To Shinsei Investment & Finance Limited

Applicant and the co-signer who intend to act as the joint debtor・joint guarantor・collateral provider (hereinafter, the “Applicants”, “our” or “we”)
have read and agree to the below terms and clauses stipulated in “Provisions on Handling of Personal Information”, “Elimination of Antisocial Forces”
and “Elimination of Anti-Money Laundering and Financing of Terrorism”, and would like to apply for a loan with Shinsei Investment & Finance Limited(hereinafter, the “Company”).

Applicants agree to the clauses stipulated in “Provisions on Handling of Personal
Information”, “Elimination of Antisocial Forces” and “Elimination of Anti-Money
Laundering and Financing of Terrorism”.
Application DateGender□

Male□

FemaleNo. of Employees

if applicableTEL□ No □ Yes ⇒ Please note status:

@>

C□
□

I□
□

Type ofIndustry

LAddress□Company Employee□Self-Employed□Government Employee□OtherDivision□Statutory Director□Representative Director

Position
Name of Company

PeriodP～～

Employment History

A～<Highest Level of Education>
Last Year

Annual IncomeCurrency:

Year of Graduation:
Previous YearSalaryBusiness IncomeRental Income

Loans (Expensesper month＜ 1/2 ＞

Property Location & Building Name

②Property Location & Building Name

Are your real estate tax, fixed asset tax & city planning taxes,
income taxes, all company/business related taxes, etc. paid up todate?
Stocks & other assets
Real estate□ NO

If answered “NO”, state reason:Pension)(Politically Exposed Persons)Relationship with □Representative Director □Spouse
Applicant□Parent □Child □Other
Date of BirthTELMOBILE□ No □ Yes ⇒ Please note status:
Annual IncomeNameTotalForeign PEPs

①Relation WithCompany

Name

Foreign PEPs

②a ・ b ・ c ・ d・ A ・ B ・ C ・ D□ No □ Yes ⇒ If yes, please note status:

DOB

Address<当社使用欄>If applicable, fill out the below.

□ No □ Yes ⇒ If yes, please note status:

DOB

Address

Insurance

Monthly Payment

SIGNATURE YYYY / MM / DD

Employer①情報調査

Outstanding
Balance

Purpose

Total

㊞
〒PEPs

□ YES

LenderFurigana（フリガナ）②追・再Total□ NO

If the Applicant is a corporate, please refer to “Substantial Controller(s) and Foreign PEPs” flow chart.

TELP

Occupation

JOINT DEBTOR/GUARANTORHeir

SUBSTANTIAL CONTROLLER(S)

ATEL□(Name of Representative Director)□ YESTotalAddress

Employer

Total①Immediate Family Members and Heirs
Relationship

Total

TEL

□ Other <Politically Exposed Persons
DOB

Overhead Expenses

EMail□ Home □ Mobile □ OfficeForeign PEPs

□ OfficeYears

Self-Funds/
EquityRequesting Loan
Amount

BORROWINGS

Preferred Point of Contact:□ Mobile□ HomeLoan Term□Real Estate Agentand Contact

Savings, term deposits, etc.

E-Mail Address

NameSalary/□ Business

Purchase Price

MOBILE□Principal & Interest Equal Payment⇒□with balloon/bullet payment□Principal Equal Payment

Repayment
MethodProperty Location& Building Name

TAXESTelephone No.

AddressNT〒DOB

SIGNATURERental※If yes, please fill out property details below

YYYY / MM / DD

(Establishment Date)

Name(Company Name)㊞□ Income

Do you own other properties in Japan?

YYYY / MM / DD

Furigana（フリガナ）

Source of Repayment

YYYY/MM/DD□ Refinance□ Secondhand□ Self-Occupancy

Name

Tick here↓□ Applicant□ Joint Debtor・Joint Guarantor

Loan Purpose□ Purchase□ New□ Investment

Requesting
Drawdown DateAddress

Applicants agree to accept all solicitation, in accordance with the Money Lending Business Act, in regards to the applicable loan agreements
Applicants understand that credit assessment will be separately conducted by the Company. Further, the Applicants will not make any objections in the case whenloan is not granted as a result of the credit assessment, whatever the reason may beApplicants acknowledge that all supporting documents submitted to the Company will not be returned regardless of the results of the credit assessment by theCompany

JPY

OTHER
PROPERTIESRequesting Loan
Amount (unit in JPY 100,000)

FINANCIAL
PLANS

No. 31653

ASSETS

Money Lending Registration No.: Governor of Tokyo

LOAN DETAILSLOAN APPLICATION AND AGREEMENT ON HANDLING OF PERSONAL INFORMATION

Relation With
CompanyBL

JICC 照会件数
STARS II
CIC

KSC

BL

JICC 照会件数
STARS II
CIC

KSC

a ・ b ・ c ・ d・ A ・ B ・ C ・ D

チェック者

照会日：時間

照会者

検証担当

取引形態

依頼日

チェック者

照会日：時間

照会者

検証担当

取引形態

依頼日

改定 2023.06

Applicants have read and agree to the terms and clauses stipulated below in “Provisions on Handling of Personal Information”, “Elimination of AntisocialForces” and “Elimination of Anti-Money Laundering and Financing of Terrorism”, and wish to apply for a loan and conclude all relative agreements tothe loan (hereinafter the “Contracts”). Applicants hereby confirm that we have received and accepted a copy of this agreement.

PROVISIONS ON HANDLING OF PERSONAL INFORMATION
Article 1 Collection, Retention and Use of Personal Information
1.
Applicants agree and authorize Shinsei Investment & Finance Limited (hereinafter the “Company”) to collect and use our information outlined
below (hereinafter the “Personal Information”) with protective measures, for the reasons specified in the following articles (hereinafter the“Agreements”) in respect to the Contracts, the Company’s credit assessment and further management.
(1) Name, age, date of birth, address, telephone no., e-mail address, company name, family structure, living conditions, and personal
identification code (official codes such as driver’s license no., passport no., etc.)(2) Application date, agreement date, type of loan, agreed loan amount and number of payments in regards to the Contract(3) Outstanding loan balance following the commencement of the loan and monthly repayment status in regards to the Contract(4) Declared assets, liabilities, income, expenses, credit history obtained by the Company and past debt histories to assess our payment abilities.
2.
If the Contract is an affiliated loan, Applicants agree and authorize the Company and the affiliated entity to mutually share such Personal
Information outlined in the preceding paragraphs (1) and (2), and any necessary information related to ongoing operational transactions, withinthe extent required for business fulfillment.
Article 2 Use of Personal Information Other than for Credit Business
1.
Applicants agree and authorize the Company to use our Personal Information specified in Article 1 Paragraph 1 (1) and (2) to conduct the Company’s loan business, insurance service business and other business operations specified in the Company’s Articles of Incorporation for the following
purposes.
(1) Introduction and information of new products and its aftercare services(2) Market research and development of new products and services(3) Advertisements and printed handouts on business information
2.
Applicants agree and authorize the Company to send advertisements and printed handouts on business opportunities on behalf of SBI Shinsei
Bank Limited (hereinafter "SBI Shinsei Bank”) and its group companies (hereinafter collectively referred to as "SBI Shinsei Bank Group").
※SBI Shinsei Bank Group is comprised of SBI Shinsei Bank and its consolidated subsidiaries and equity method affiliated companies outlined in SBI
Shinsei Bank’s financial statement.
Article 3 Use and Registry with Personal Credit Information Institutions
1.
Applicants agree and authorize the Company to make inquiries with the personal credit information institutions which the Company belongs to,regarding Applicants’ and Applicants’ spouse’s registered information (if any and applicable) for the purpose in extent to make informed decisionsof the Applicants’ debt servicing abilities. (Personal credit information institution is a credit reference agency which maintains and provides
consumer credit data as a service. Hereinafter referred to as the "Member Credit Institution”. This data is also shared by all members of theMember Credit Institution and its affiliated credit institutions, hereinafter referred to as the "Affiliated Credit Institutions”)
2.
Applicants agree and acknowledge that Applicants’ Personal Information in regards to the Contract and its transaction facts will be registered withthe Member Credit Institution for a period specified in the following chart. Applicants also understand that this information will be shared with its
members and the Affiliated Credit Institutions for the purpose in extent to make informed decisions of the Applicants’ debt servicing abilities.
Registered Information

3.

4.

5.

①

Personal information based on application fact of the Agreement②

Information on the objective facts of transactions of the Agreement③

Information on the facts of payments in arrears④Information on the facts of assignment of loan claims

Period of Registration

A period not exceeding 6 months from the inquiry with the personal credit
information institution
Duration of the Agreement and period not exceeding 5 years from terminationof the Agreement
Duration of delinquency and period not exceeding 5 years from termination ofthe Agreement
A period not exceeding 1 year from the occurrence of assignment of loan claims

Member Credit Institution mentioned above which the Company belongs to are as follows.
If the Company shall belong and register with other personal credit information institution in the future, the Company shall notify the Applicantsin writing in advance and obtain our consent.
•Japan Credit Information Reference Center Corp. (JICC)
HP: https://www.jicc.co.jp/※For details regarding membership and qualifications with JICC, please visit the above HP above (available in Japanese only).
Affiliated Credit Institution in alliance with JICC:•
The Personal Credit Information Center (PCIC) HP: https://www.zenginkyo.or.jp/※For details regarding membership and qualifications with PCIC, please visit the above HP above (available in Japanese only).
•Credit Information Center Corporation (CIC) HP: https://www.cic.co.jp/※For details regarding membership and qualifications with CIC, please visit their HP above (available in Japanese site only).
Information to be registered with the Member Credit Institution specified in preceding 3. are the following: such as name, date of birth, gender,address, telephone no., employer and telephone no., personal identification code and information to specify an individual, marital status if
applicable, etc., type of agreement, agreement date, agreed loan amount, drawdown amount, type of loan, number of payments and otheragreement details, outstanding balance, repayment date, maturity date and all information on delinquency status.

Article 4 Joint Use of Personal Information within SBI Shinsei Bank Group
Applicants agree and authorize the Company to jointly use our Personal Information, listed in Article 1 Paragraph 1 (1) thru (4) (excluding all PersonalInformation obtained from personal credit information institutions listed in Article 3), with the affiliated companies within SBI Shinsei Bank Group, tothe extent required for the fulfillment of the following purposes. SBI Shinsei Bank will be in charge of all management of jointly used Personal Information.
(1) Offering of information on various products and services(2) Offering of aftercare services of products and services we are currently using, and offering of compliments and benefits by SBI Shinsei BankGroup(3) Judgement on offering of various products and services(4) Awareness of various risks and appropriate management of operations within SBI Shinsei Bank Group※The Company will announce, on its homepage, of all names of affiliated companies within SBI Shinsei Bank Group, which the Company will jointly use
the Personal Information.

Article 5 Other Use of Personal Information
Loan claims may be transferred to other entities by means of assignment or by securitization. If and when such transfer should take place, Applicants
agree and acknowledge that our Personal Information will be provided for the purpose of claims management and collection to an assignee or to aspecial entity established to handle securitization (hereinafter the “Assignees"), to the extent required for the transfer.
Article 6 Disclosure, Corrections and Deletion of Personal Information
1.
Applicants acknowledge, in accordance with the Personal Information Protection Act, that we may request the Company, personal credit
information institutions specified in Article 3 and the Assignees noted in Article 5 to disclose our own Personal Information and third-party
provision records.
(1) For any Personal Information disclosures with the Company, please contact the inquiry desk described in Article 9. The inquiry desk shallguide you with the procedures in obtaining the disclosure (request counter, receiving method, necessary documents, fees, etc.)(2) For disclosures registered with the personal credit information institutions, please contact the respective institutions directly as listed inArticle 3.
(3) For disclosures regarding loan claims noted in Article 5, please contact the Assignees directly.
2.
If any personal details registered are found to be false, the Company will ensure that the details are amended or deleted.
Article 7 Measures Against Objections
Applicants acknowledge that if we object to provide or fill out the necessary details pertaining to the Contract or failing to acknowledge all or part ofthis Agreement, the Company may refuse the Contract. However, the Company will not refuse this application and the Contract though Articles2 and 4of this Agreement are not agreed.
Article 8 Discontinuance of Use
Upon Applicants request, we understand that the Company will discontinue the once agreed use of our Personal Information for the purposes stated inArticles 2 and 4.
Article 9 Inquiry Desk Concerning the Handling of Personal Information
For any inquiries regarding disclosure, amendment, discontinuance of use or for any matters regarding your Personal Information, please refer to theCompany’s Policy Concerning Protection of Personal Information (available in Japanese only) below.
• Policy Concerning Protection of Personal Information
https://www.shinsei-if.com/privacy-policy/
Article 10 Failure in Concluding the Contract
Applicants understand and agree to the use of our Personal Information listed in Article 1 and Article 3 Paragraph 2 ① for a specified period regardlessof the conclusion of the Contract. Applicants also agree that our Personal Information may continue to be used for the purpose stated in Article 2Paragraph 1 (1).
Article 11 Amendment of the Agreement
The Company may amend the articles in this Agreement, in accordance with the laws and regulations, to the extent required.

ELIMINATION OF ANTISOCIAL FORCES
1.

2.

3.

Applicants represent and make a definite promise that we do not, or will not, fall within the definition of a Boryokudan (organized crime group),a Boryokudan member, a person who left a Boryokudan within five years, a quasi-member of a Boryokudan, a company affiliated with aBoryokudan, a Sokaiya, a hoodlum who claims to advocate for social activities, etc., a violent group misusing professional knowledge or a person
similar to any of the foregoing (hereinafter, the "Boryokudan Member, etc.”) or any of the following items:(1) Those who have relationships with a Boryokudan member, etc., who is recognized to be controlling their operations;(2) Those who have relationships with a Boryokudan member, etc., who is recognized to be substantially involved in their operations;(3) Those who have relationships which are recognized to be willfully using a Boryokudan member, etc., for the purpose of obtaining unjust
profits for the person himself/herself, their own company, or a third party, or for the purpose of causing damage to a third party;(4) Those who have relationships which are recognized to be providing funds or benefits, etc., for a Boryokudan member, etc.; or(5) An officer or a person who is substantially involved in its operation has relationships with a Boryokudan member, etc., that are unacceptablefrom the standpoint of social norms.
Applicants make a definite promise not to do any of the following acts by ourselves or by using a third party:(1) Making a threatening demand (boryoku-teki yokyu koui);(2) Making an illegal or unjustifiable demand;(3) In relation to a transaction, engaging in a threatening speech or behavior or threatening to use or using illegal forces;(4) Starting a malicious or false rumor, or discrediting the company or disturbing the company’s business by fraudulent means or illegal force;or(5) Any activities similar to any of the foregoing.
Applicants represent and make a definite promise that we do not, and will not, engage in or be involved in any transnational organized crime, etc.,
or any act or conduct that is equivalent thereto.

ELIMINATION OF ANTI-MONEY LAUNDERING AND FINANCING OF TERRORISM
Applicants represent and warrants that we will not make use of this agreement for transactions in conflict with anti-money laundering, counter financing
of terrorism and/or any laws and regulations related to economic sanctions.

※ If and to the extent there is any inconsistency or conflict between the Japanese and English language versions of all documents, theJapanese language version shall prevail.
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