(TRANSLATION)(FOR REFERENCE ONLY)(JAPANESE VERSION PREVAILS)

Document Delivered Prior to Conclusion of Contract forOpening Foreign Currency Savings Account
As of March 4, 2022
Before signing up for a foreign currency savings account, please carefully read thedescription below and understand the contents.
Foreign currency deposit involves certain risks (foreign exchange risk). Please sufficiently
understand the mechanism of foreign currency deposit before concluding the contract.

Foreign exchange cost
Foreign exchange cost at Sony Bank means the amount of the difference between theforeign exchange rate (TTS: Telegraphic Transfer Selling Rate) applied when foreign
currency is bought with yen or US dollar for depositing and the reference rate (TTM:
Telegraphic Transfer Middle Rate), as well as the amount of the difference between theforeign exchange rate applied to withdrawal (TTB: Telegraphic Transfer Buying Rate) andTTM. Since you need to bear both of them as foreign exchange costs, even if there is nofluctuation between the foreign exchange rates at the time of deposit and that at the timeof withdrawal, the amount you receive upon withdrawal may be below the deposited
amount.
<Foreign Exchange Fee Table>
Currency
U.S. Dollar (USD)
Euro (EUR)

For exchange against the yen
15 sen per 1 US dollar

For exchange against
the U.S. dollar—

15 sen per 1 euro

0.0018 U.S. dollars per 1 euro

British Pound (GBP)

45 sen per 1 pound sterling

0.0050 U.S. dollars per 1
pound sterling

Australian Dollar (AUD)

45 sen per 1 Australian dollar

0.0050 U.S. dollars per 1
Australian dollar

New Zealand Dollar (NZD)

45 sen per 1 New Zealanddollar

0.0050 U.S. dollars per 1 New
Zealand dollar

Canadian Dollar (CAD)

45 sen per 1 Canadian dollar

0.0050 Canadian dollars per 1
U.S. dollar

45 sen per 1 Swiss franc

0.0050 Swiss francs per 1 U.S.
dollarSwiss Franc (CHF)1

9 sen per 1 Hong Kong dollar

0.0250 Hong Kong dollars per
1 U.S. dollar

Brazilian Real (BRL)

90 sen per 1 Brazilian real

0.0250 Brazilian reals per 1
U.S. dollar

Chinese Yuan (CNH)

30 sen per 1 Chinese yuan
(CNH)

0.0250 Chinese yuan (CNH)
per 1 U.S. dollar

South African Rand (ZAR)

20 sen per 1 South African
rand

0.0250 South African rand per
1 U.S. dollar

Swedish Krona (SEK)

9 sen per 1Swedish krona

0.0090 Swedish kronor per 1
U.S. dollar

Hong Kong Dollar (HKD)* This table shows the foreign exchange cost for ordinary transactions except for thosewith preference for each customer or those during campaigns.
Risks corresponding to foreign exchange fluctuation
In cases where you buy any foreign currency (purchasing foreign currency with yen orpurchasing foreign currency other than U.S. dollars with U.S. dollars) and deposit it to yourforeign currency savings account, or in cases where you sell the foreign currency in yourforeign currency savings account (selling foreign currency to receive yen, or sell foreign
currency other than U.S. dollars to receive U.S. dollars) for withdrawal, the currencies areexchanged at the foreign exchange rate at each time. The foreign currency does not fall
below the principal amount when you deposit it. However, since the foreign exchange rate
fluctuates depending on the trend of the foreign exchange market, the principal amount
may change when the amount you deposited and the amount you receive at the time ofwithdrawal are converted by the same currency. There is a risk that certain loss of theprincipal amount may result depending on the market trend.
In addition, when you buy or sell foreign currency, you will bear the amount of thedifference between TTB (rate when you sell foreign currency) / TTS (rate when you buy
foreign currency) and TTM (reference rate) as the foreign exchange cost, respectively.
Therefore, even when the foreign exchange market price does not fluctuate between thetime of deposit and the time of withdrawal, the amount you receive as withdrawal may be
below the amount you have deposited.
Transactions of Emerging-market Currencies
Brazilian Real, Chinese Yuan (CNH) and South African Rand, which are called emergingmarket currencies generally have, when compared with those of advanced countries,
more possibility to experience liquidity decline, market function decline or large
fluctuations in currency value due to change in political, economic or social situations,change in market environment or change in financial policies. In some cases, we maylargely review the interest rate or suspend transactions.
 When you carry out transactions of emerging-market currencies, please understand thatthey involve higher risks than those in the case of advanced country currencies.
2Counterparty of the Contract
Trade Name: Sony Bank Inc.
Address: 1-6, Uchisaiwaicho 2-chome, Chiyoda-ku, Tokyo

General Explanation of Product
Savings account in foreign currency

Name of ProductForeign currency savings accountApplicability of Deposit InsuranceThis account is not covered by deposit insurance.

Eligible customers
Customers at the age of 15 or above who reside in Japan and have their savings accounts in yen at Sony Bank. Note that,
however, customers under the age of 20 are not permitted to carry out the transactions below.

Transactions related to customers under the age of 20
Available foreign currency transactions
 Opening of a foreign currency savings account (*1)
 Cancellation of a foreign currency savings account (*2)
 Outward remittance (*3)
 Inward remittance Sony Bank WALLET Visa debit function
 Local currency withdrawal at overseas ATMs
 “Assistance from yen account” function
 Settlement in foreign currency(*1) Opening of an account in Brazilian Real or Chinese Yuan (CNH) is not available.
(*2) The principal and unpaid interest at the time of account cancellation will be deposited to the savings account of thecustomer in yen.
(*3) Outgoing foreign currency remittances are only available to customers physically located in Japan.

Unavailable foreign currency transactions
 Purchasing of foreign currency
 Selling of foreign currency
 Application for time deposits in foreign currency
 Application for structured deposit in foreign currency

Deposit term
No term specification.

Minimum deposit amount/deposit unit
At least one currency unit / one subunit of currency* 1/100 of a currency unit is considered to be a subunit of currency.
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Limit of deposit amountNo limit.

Deposit currency
U.S. Dollar, Euro, British Pound, Australian Dollar, New Zealand Dollar, Canadian Dollar, Swiss Franc, Hong Kong Dollar, Brazilian
Real, Chinese Yuan (CNH), South African Rand and Swedish Krona

Method of withdrawal
Deposits can be withdrawn at any time.

Interest
Interest rates
Floating interest rate:
The interest rate shall be decided from time to time, corresponding to the trend of market interest, and the interest rate
indicated on the service website shall be applied.

Method of interest payment
We will settle the accounts as shown below in February and August every year.
 We will calculate the interest for the period from the day following the third Sunday of February to the third Sunday of Augustin the same year and incorporate the interest amount to the balance of the deposit on the following day.
 We will calculate the interest for the period from the day following the third Sunday of August to the third Sunday of February

in the subsequent year and incorporate the interest amount to the balance of the deposit on the following day.

Interest calculation method
Minimum unit for interest calculation shall be one subunit of currency. The interest shall be calculated by the day for the period
from the date of deposit to the day immediately before the payment date, considering one year to have 365 days.
* If the balance is below 10 currency units, it shall not bear any interest.

Applicable foreign exchange rate
If you buy foreign currency (buy foreign currency with yen or buy any foreign currency other than U.S. dollars with U.S. dollars)and deposit it to your foreign currency savings account, or if you sell some foreign currency in your foreign currency deposit (toobtain yen by selling foreign currency or obtain U.S. dollars by selling foreign currency other than U.S. dollars) for withdrawal,
such currencies shall be exchanged at the foreign exchange rate predetermined by Sony Bank.

* Fragment processing for transaction amount<Transactions against the yen>
(1) Buying amount when you buy foreign currency:
 If “specified in yen”, the amount below one subunit shall be rounded down.
 If “specified in foreign currency”, the amount below one yen shall be rounded up.

(2) Selling amount when you sell foreign currency:
 If “specified in yen”, the amount below one subunit shall be rounded up.
 If “specified in foreign currency”, the amount below one yen shall be rounded down.

<Transactions against the U.S. Dollar>(1) Buying amount when you buy foreign currency:
 If “specified in U.S. Dollar”, the amount below one subunit shall be rounded down.
 If “specified in any currency other than U.S. Dollar”, the amount below one subunit shall be rounded up.

(2) Selling amount when you sell foreign currency:
 If “specified in U.S. Dollar”, the amount below one subunit shall be rounded up.
 If “specified in any currency other than U.S. Dollar”, the amount below one subunit shall be rounded down.

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Taxation Category
Interest
Interest shall be subject to tax of 20.315% including special income tax for reconstruction (national tax: 15.315% and local tax:5%). Tax shall be imposed as a separate withholding tax.

Foreign exchange profit
Comprehensive taxation (it is necessary to submit a tax return by notifying the profit as miscellaneous income)* In the case of a salaried worker whose yearly income is not more than 20 million yen, if his/her income other than income from
employment or retirement income is not more than 200,000 yen a year (including foreign exchange profit), it is not necessary
to file a tax return.

Foreign exchange loss
Foreign exchange loss may be deducted from miscellaneous income.

Buying and selling of foreign currency with limit order priceTypes of limit order price
There are several types of limit order price as shown below:
 Ordinary limit order price: Buying, selling:

You may apply for two limit order prices for one currency
 Composite limit order price: There are two types: “OCO” (One Cancels the Other) and “IFD” (If Done).

OCO: Buying or selling, buying, selling
IFD: Selling after buying
You may apply for one limit order price for one currency.
* Note that you may not apply for a combination of ordinary limit order price and composite limit order price for one currency at
the same time

Limit order price specification range
You may specify a limit order price within the specification range predetermined by us for the foreign exchange rate (TTS in caseof an application for buying and TTB in case of an application for selling) of Sony Bank at the time of application.
<Minimum Application Amount and Application Unit for Limit Order>
Currency

Specification in JPY

Specification in Other Currencies

U.S. Dollar

At least 600 U.S. dollars; in 1 cent units (USD1/100)

Euro

At least 600 euros; in 1 cent units (EUR1/100)

British PoundAt least 400 pounds; by the unit of 1 penny (GBP1/100)

Australian Dollar

At least 1,000 Australian dollars; in 1 cent units (AUD1/100)

New Zealand Dollar

At least 1,250 New Zealand dollars; in 1 cent units (NZD1/100)

Canadian Dollar

At least ¥100,000:

At least 1,000 Canadian dollars; in 1 cent units (CAD1/100)

Swiss Francby the unit of 1 yen

At least 1,000 Swiss francs; in 1 centime units (CHF1/100)

Hong Kong Dollar

At least 5,000 Hong Kong dollars; in 1 cent units (HKD1/100)

Brazilian RealAt least 2,000 Brazilian reals; in 1 centavo units (BRL1/100)

Chinese Yuan (CNH)

At least 8,000 Chinese yuan (CNH): in 1 fen units (CNH1/100)

South African Rand

At least 8,000 South African rand; in 1 cent units (ZAR1/100)

Swedish Krona

At least 8,000 Swedish kronor; in 1 ore units (SEK1/100)* If the total amount of application for buying (*1) exceeds the balance in your yen savings account at the time of application, or
if the total amount of application for selling (*1) exceeds the balance in the foreign currency savings account of that currency at
the time of application (*2), you may not make an application.
(*1) For OCO (buying) and OCO (selling), the total amount of application shall be calculated based on the larger application
amount.
(*2) For IFD, this amount shall be calculated by adding the amount of application for buying to the balance in your foreign
currency savings account of that currency.

5Limit Order Price ReachedIn the following cases, it is deemed that the limit order price has been reached respectively.
(1) If the limit order price assumes a stronger yen rate than the foreign exchange rate of Sony Bank at the time of application(TTS in cases of application for buying and TTB in cases of application for selling), the limit order price is deemed to bereached when the foreign exchange rate of Sony Bank (TTS in cases of application for buying and TTB in cases of application
for selling) becomes identical to that limit order price or has a stronger yen value.
(2) If the limit order price assumes a weaker yen rate than the foreign exchange rate of Sony Bank at the time of application (TTS
in cases of application for buying and TTB in cases of application for selling), the limit order price is deemed to be reachedwhen the foreign exchange rate of Sony Bank (TTS in cases of application for buying and TTB in cases of application for
selling) becomes identical to the limit order price or has a weaker yen value.

Transactions with Limited Price
When the limit order price is reached, we will immediately conduct the following processing corresponding to the type oftransaction you have applied for. Completion of our processing below constitutes the closing of the transaction with the limit
order price.
(1) Buying of foreign currency
We will withdraw the application amount (if the application amount is specified in foreign currency, the amount in yen
converted at “Limit order price transaction rate”) from your yen savings account and deposit the amount converted at “Limit
order price transaction rate” (if the application amount is specified in foreign currency, the specified amount as is) to yoursavings account for that currency.
(2) Selling of foreign currency
We will withdraw the application amount (if the application amount is specified in yen, the amount converted to theapplicable currency at “Limit order price transaction rate”) from your savings account for the applicable currency and deposit
the amount converted at “Limit order price transaction rate” (if the application amount is specified in yen, the specified
amount as is) to your yen savings account.
* In any of the following cases, the above processing shall not be conducted for the full application amount. In such cases, thetransaction with a limit order price shall be deemed not to have been established and the application shall become ineffective.
a) Transaction amount exceeds the limit for buying/selling of the foreign currencyb) Withdrawal cannot be performed due to insufficient balance in the savings account(including cases where the balance becomes insufficient due to change in the transaction amount)* If several limit order prices are reached at the same time, the above processing shall be performed from the transaction
applied at the earliest date/time.
* It takes some time to perform above processing. Therefore, the date when the limit order price is reached and the date when
the transaction is established may be different.
 Case of ordinary limit order priceIf the limit order price is reached during the effective term (but only when the limit order price is reached for the first timeafter application), we will conduct processing corresponding to the type of the limit order price transaction.
 Case of composite limit order price (OCO)

Only for the limit order price first reached during the effective term (but only when the limit order price is reached for the firsttime after application), we will conduct processing corresponding to the type of the limit order price transaction.
* For OCO (buying) or OCO (selling) in cases where several limit order prices are reached at the same time, we will makeprocessing corresponding to the type of transaction for the limit order price only for the limit order price nearer to theforeign exchange rate of Sony Bank at the time when the limit order price is reached. In addition, for OCO (buying or
selling), we will conduct processing corresponding to the type of transaction for the limit order price only for the limit orderprice specified at the time of application.
 Case of composite limit order price (IFD)

When the limit order price for buying is reached during the effective term (but only when the limit order price is reached forthe first time after application), we will conduct buying processing. If the limit order price for selling is subsequently reachedduring the effective term (but only when the limit order price is reached at the same time as the limit order price for buying or
for the first time after the limit order price for buying is reached) and the buying transaction has been established, we willconduct processing for selling.
* Even when the buying transaction is concluded, the selling transaction is not necessarily established.

6Limit order price transaction rate
“Limit order price transaction rate” shall be calculated with the limit order price (our foreign exchange rate presented first incases where the limit order price is reached after the end of transaction suspension time for the dealt currency). If any
preference is applied, however, the preference amount shall be deducted from the reference foreign exchange cost.

Effective term of application with limit order price
You may specify the end of the term to be any time (by the unit of one hour) on any date during the 30-day period from the dateof application. If no specification is made, the effective term shall end on 11:59 p.m. on the date of application.

Cancellation of application with limit order price
Until the limit order price is reached, you may cancel the application.
* Except for hours during system maintenance

Inquire about this matter English help desk <Online live chat>

Please contact us via “Start a chat” on the homepage after signing on.
 EmailPlease send us your questions from “Email support” after signing on.
* If you are in a hurry, please contact the English help desk.

Authorized Investor Protection Body of Which We Are a Subject Entrepreneur
Not applicableSpecified Dispute Settlement Organization with Which We Have a Contract
Japanese Bankers Association Consultation Office of the Japanese Bankers Association
Telephone Number: 0570-017109 or 03-5252-3772

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