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 (Super Type)

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 the name of asset management institutions
handling the defined contribution pension plans)
3. Deposit term
Five years (maturing on the date in five years’ time that corresponds to the deposit date)
4. Financial institution providing this product
The Rokinren Bank (National Federation of Labor Credit Associations)
5. Method of determination of the contracted interest rate
The contracted interest rate is reviewed weekly and the new interest rate (if revised) shall beapplicable on and after 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 shall be 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 or at the time of cancellation before thematurity date. This deposit is renewed automatically on the maturity date into 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 the original. 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. Interest is compounded every six months.
9. Taxation on interest
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 date into another time deposit linked to adefined contribution pension plan and with the same term as the original. The new principal will
include the interest accrued on the original. In the event of cancellation before the maturity date,
the principal is returned and the interest is paid, subject to the early cancellation rates describedin the following paragraph.
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 accordance with the actual deposit
periods.
1. In cases where the refund is payable as benefits (payments to the elderly, disability benefits, lumpsum upon death)A. Less than a year
Contracted interest rate x 10%
B. One year and above but less than two years
Contracted interest rate x 30%
C. Two years and above but less than three years
Contracted interest rate x 50%
D. Three years and above but less than four years
Contracted interest rate x 60%
E. Four years and above but less than five years
Contracted interest rate x 70%• This material has been prepared for the purpose of explaining the contents of this product to
subscribers, in accordance with the requirement of “provision of information regarding investmentpolicy” 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.

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 (Super Type)

This is a deposit product where the principal is guaranteed.
2. In cases where the refund is payable for other reasons than the payment of benefits (payments to theelderly, disability benefits, lump sum upon death)A. Less than a year
Contracted interest rate x 5%
B. One year and above but less than two years
Contracted interest rate x 10%
C. Two years and above but less than three years
Contracted interest rate x 20%
D. Three years and above but less than four years
Contracted interest rate x 30%
E. Four years and above but less than five years
Contracted interest rate x 50%
12. Partial cancellation
It is also possible to cancel part only of the principal of the deposit.
(1) In the event of partial cancellation, the interest accrued on the cancelled portion of thedeposit is calculated according to the number of days from the deposit date up to the day
immediately before the date of cancellation, at the early cancellation rate as applicable to thereason for such cancellation.
(2) The interest on the balance of the deposit after the partial cancellation is calculated
according to the number of days from the deposit date up to the maturity date, at the contracted
interest rate at the time of the deposit and is subject to the automatic renewal arrangement.
13. Unit amount
Deposits may be accepted in any amount starting from ¥1 and in any integral multiple of ¥1.
14. Handling fee
No fee is charged.
15. Calculation of subscriber’s share
Each subscriber’s share in this product shall be calculated according to the amount of principalof his or her deposit. Individual subscribers’ shares are calculated and recorded by the recordsrelated operational management institution.
16. Availability of a safety net
This product is a time deposit to which protection under the deposit insurance system applies asfollows:
Current deposits and non-interest-bearing ordinary deposits will be fully protected as “depositsfor payment and settlement purposes*.” For time deposits and interest-bearing ordinary deposits,principal amounts up to ¥10 million (plus interest) per depositor in each financial institution willbe protected.
(* This refers to deposits that are non-interest-bearing, payable on demand, and capable ofproviding settlement services.)
Deposits under the name of a financial institution will be outside 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 to the amount of each individual subscriber’s assets under management will beconsidered as a claim to the deposits of each such subscribers and will be protected under thedeposit insurance system.
• This material has been prepared for the purpose of explaining the contents of this product to
subscribers, in accordance with the requirement of “provision of information regarding investmentpolicy” 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.

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 (Super Type)

This is a deposit product where the principal is guaranteed.
However, if a depositor has deposits in The Rokinren Bank (National Federation of Labor CreditAssociations) other than this product, the principal of such other deposits and this product 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.
17. Prospect of gains and possibility of losses
Unless cancellation is proposed, this deposit is renewed automatically on the maturity date (fiveyears after the deposit date), when the interest calculated according to the contracted interest
rate is included in the principal.
In the event of cancellation before the maturity date (including partial cancellation), theprincipal is repaid along with the interest calculated according to the early cancellation 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 and the 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 ofproductRokin Time Deposit for DefinedContribution Pension Plan(five-year maturity)

Rokin Time Deposit for Defined Contribution
Pension Plan (five-year maturity)

Rokin Time Deposit for Defined Contribution
Pension Plan (five-year maturity)▲
Firstdeposit▲
Seconddeposit▲
Thirddeposit▲
Maturity▲
Maturity▲
Maturity(with automaticrenewal)(with automaticrenewal)(with automaticrenewal)• This material has been prepared for the purpose of explaining the contents of this product tosubscribers, in accordance with the requirement of “provision of information 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.