Briefing Material for Defined Contribution Pension Plan
Handling Financial Institution: The Rokinren Bank (National Federation of Labor Credit Associations)

Rokin (Labour Banks) Time Deposit for
Defined Contribution Pension Plan (1 Year)
This is a deposit product where the principal is guaranteed.

1. Basic form of this productThis is an automatically renewable time deposit.

2. Target depositors for this product
Subscribers in defined contribution pension plans (in thename of asset management institutions handling thedefined contribution pension plans)

3. Deposit term
One year (maturing on the date in one year’s time that
corresponds to the deposit date)

4. Financial institution providing this product
The Rokinren Bank (National Federation of Labor CreditAssociations)
5. Method of determination of the contracted interest rate

The contracted interest rate is reviewed weekly and thenew interest rate (if revised) shall be applicable on andafter the business day next following the first business
day of each week.

6. Applicable interest rate
The contracted interest rate at the time of depositing shallbe applicable up to the maturity date (i.e., a fixed rate).

7. Method of interest payment
Interest is payable in a lump sum on the maturity date orat the time of cancellation before the maturity date. Thisdeposit is renewed automatically on the maturity date intoanother time deposit linked to a defined contribution
pension plan and with the same term as the original. The
new principal will include the interest accrued on theoriginal. No interim interest is payable.

8. Calculation of applicable interest
Interest is rounded out to the nearest yen and is calculated
daily, pro rata , on the basis of 365 days a year.

9. Taxation on interest

11. Treatment of cancellation before maturityIn the event of cancellation before the maturity date,
the following early cancellation rates (rounded off to
the third decimal place) shall apply in accordancewith the actual deposit periods.
Less than a year

Contracted interest rate x 50%

12. Partial cancellation
It is also possible to cancel part only of the principalof the deposit.
(1) In the event of partial cancellation, the interest
accrued on the cancelled portion of the deposit iscalculated according to the number of days from thedeposit date up to the day immediately before the dateof cancellation, at the early cancellation rate as
applicable to the reason for such cancellation.
(2) The interest on the balance of the deposit after thepartial cancellation is calculated according to thenumber of days from the deposit date up to thematurity date, at the contracted interest rate at thetime of the deposit and is subject to the automatic
renewal arrangement.

13. Unit amount
Deposits may be accepted in any amount startingfrom ¥1 and in any integral multiple of ¥1.

14. Handling fee
No fee is charged.

15. Calculation of subscriber’s shareEach subscriber’s share in this product shall be calculated
according to the amount of principal of his or her deposit.
Individual subscribers’ shares are calculated and recordedby the records-related operational management institution.

No tax is levied as this product is linked to a defined
contribution pension plan.

10. Handling of the deposit at maturity
The deposit is renewed automatically on the maturity dateinto another time deposit linked to a defined contribution
pension plan and with the same term as the original. The
new principal will include the interest accrued on theoriginal. In the event of cancellation before the maturity
date, the principal is returned and the interest is paid,
subject to the early cancellation rates described in thefollowing paragraph.

• This material has been prepared for the purpose of explaining the contents of this product to subscribers, in accordance with the requirement of “provisionof information regarding investment policy” as provided for under Article 24 of the Defined Contribution Pension Act and related cabinet orders andministerial ordinances, and is not intended for soliciting for this time deposit product.
• Performance, data, etc., contained in this material relate to past results and shall neither guarantee nor ensure this product’s future performance.

Briefing Material for Defined Contribution Pension PlanHandling Financial Institution: The Rokinren Bank (National Federation of Labor Credit Associations)

Rokin (Labour Banks) Time Deposit for
Defined Contribution Pension Plan (1 Year)
This is a deposit product where the principal is guaranteed.

16. Availability of a safety net

17. Prospect of gains and possibility of losses

This product is a time deposit to which protection under thedeposit insurance system applies as follows:Current deposits and non-interest-bearing ordinary deposits
will be fully protected as “deposits for payment andsettlement purposes*.” For time deposits and interest-bearing
ordinary deposits, principal amounts up to ¥10 million (plusinterest) per depositor in each financial institution will beprotected.
'(*This refers to deposits that are non-interest-bearing,payable on demand, and capable of providing settlementservices.)
Deposits under the name of a financial institution will beoutside the scope of protection under the deposit insurance
system. However, for deposits in the name of an asset
management institution linked to a defined contribution
pension plan, the portion of such deposits that corresponds tothe amount of each individual subscriber’s assets undermanagement will be considered as a claim to the deposits ofeach such subscribers and will be protected under the deposit
insurance system.
However, if a depositor has deposits in The Rokinren Bank
(National Federation of Labor Credit Associations) other than
this product, the principal of such other deposits and thisproduct will be protected up to ¥10 million on a combined
basis, along with the interest accrued, although priority will
be given to such other deposits for protection.

Unless cancellation is proposed, this deposit is renewed
automatically on the maturity date (one year after the depositdate), when the interest calculated according to thecontracted interest rate is included in the principal.
In the event of cancellation before the maturity date(including partial cancellation), the principal is repaid alongwith the interest calculated according to the earlycancellation rates prescribed.
In the event of the failure of the financial institution
providing this product (i.e., The Rokinren Bank [National
Federation of Labor Credit Associations]), the principal andthe interest beyond the scope of protection under the deposit
insurance system may not be protected.

Illustrated Description of the ProductYou can effect partial cancellation at any timeand move the cancelled portion to another typeof product. In such cases, early cancellation
rates will apply to the cancelled portion, while
the contracted interest rate on the deposit date
will remain applicable to the balance.

To another type of productRokin Time Deposit for DefinedContribution Pension Plan (one-year maturity)Rokin Time Deposit for DefinedContribution Pension Plan (one-year maturity)
Rokin Time Deposit for DefinedContribution Pension Plan (one-year maturity)▲
Firstdeposit▲
Seconddeposit▲
Thirddeposit

▲

▲

▲

Maturity

Maturity

Maturity(withautomaticrenewal)(withautomaticrenewal)(withautomaticrenewal)• This material has been prepared for the purpose of explaining the contents of this product to subscribers, in accordance with the requirement of “provision ofinformation regarding investment policy” as provided for under Article 24 of the Defined Contribution Pension Act and related cabinet orders and ministerial
ordinances, and is not intended for soliciting for this time deposit product.
• Performance, data, etc., contained in this material relate to past results and shall neither guarantee nor ensure this product’s future performance.