(Translation)
TERMS AND CONDITIONS OF FOREIGN REMITTANCE TRANSACTIONSArticle 1. Scope of Application
The Terms and Conditions contained herein shall apply to foreign remittance transactions, provided forin any of the following, using an Application for Remittance and Declaration:
1.

Overseas remittance transactions;2.

Foreign currency remittance transactions payable to payee accounts held at the head office orbranches of THE EHIME BANK, LTD. (hereinafter referred to as theBANK) in Japan or, payable topayee accounts held at other financial institutions in Japan;
3.

Remittance transactions in yen between residents and nonresidents, or nonresidents and nonresidents,
as defined in the Foreign Exchange and Foreign Trade Law and its corresponding regulations, payable
to payee accounts held at the head office or branches of the Bank in Japan or, payable to payee accounts
held at other financial institutions in Japan; and4.

Transactions similar to any of the above.

Article 2. Definitions
Terms used herein shall be defined as follows:1.

The term

Overseas Remittance Transactions

means the following acts conducted by the Bank underentrustment by the applicant:(1) Issuance of payment orders to the Banks Concerned as defined in Paragragh 4 to entrust crediting
certain amounts to payee accounts held at Bank branches located in foreign countries or, at otherfinancial institutions located in foreign countries, as designated by the applicant (Advise & Credit);(2) Issuance of payment orders to the Banks Concerned to entrust payment of certain amounts to payees
residing in foreign countries (Advise & Pay)
2. The term

Payment Ordermeans instructions to the Banks Concerned from the Bank, under theentrustment by the applicant, to make certain amounts available to the payee.
3.

The term

Paying Bank

means a financial institution which credits the funds remitted to the payee

account or pays the same to the payee.
4.

The term

Banks Concernedmeans the Paying Bank and the head office or branches of the Bank orother financial institutions which conduct the following for remittances:(1) Intermediation of payment orders; or(2) Settlement between banks of funds to be remitted.
5.

The type of remittance
Telegraphic Transfer.

Article 3. Requests for Remittances
Requests for remittances shall be handled as follows:1.

Requests for remittances shall only be received during business hours for teller service.

2.

When requesting a remittance, the applicant is required to submit the Application for Remittanceand Declaration as prescribed by the Bank, correctly stating the information prescribed by the Bank

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such as the type of remittance, method of payment, name of the branch or office of the Paying Bank,payee

s name, account number or address and telephone number of the payee, amount of remittance,

applicant s name, address and telephone number of the applicant and bearer of the charges for theBanks Concerned; and placing the applicant

s signature or affixing the applicant

s name and seal(Kimei Oin).
3.

The Bank shall deem the details stated in the Application for Remittance and Declaration provided
for in the preceding Subparagragh as the content of the request.

4. When receiving a request for remittance, the Bank is required to ascertain certain matters underlaws and regulations governing foreign exchange. The applicant is, therefore, required to satisfy
the following requirements:(1) State the purpose for remittance and any other required information in the Application forRemittance and Declaration;(2) State the designated items in the Application for Remittance and Declaration prescribed by the Bankand submit it, except for cases such as when the funds for remittance are to be debited from an accountof the applicant identified by official documents stated in laws and regulations governing foreignexchange (hereinafter referred to as theOfficial Documents );(3) Present the Official Documents to identify the applicant such as the applicant

s driving license,

except for cases such as when the funds for remittance are to be debited from an account of theapplicant identified by the Official Documents; and(4) For any transactions requiring permission or such, present or submit documents proving the said
permission or such.
5. When requesting a remittance, the applicant is required to pay to the Bank the funds to be remitted
as well as remittance charges, charges for the Banks Concerned and any other charges and expenses
required in connection with this transaction as placed on the Bank s Website (hereinafter referredto collectively as theRemittance Funds ). The Bank shall not accept the Remittance Funds in theform of checks or other instruments.
Article 4. Remittance Entrustment Contract and its Cancellation
1.

The Remittance Entrustment Contract (hereinafter referred to as the Contract ) shall be deemed
to have been entered into when the Bank accepts the request for remittance and receives the RemittanceFunds.

2.

When the Contract is entered into pursuant to the preceding Paragragh, the Bank shall provide theapplicant with a statement of remittance or other documents relating to the substance of the Contract.

3. Even after entering into the Contract pursuant to Paragragh 1 above, the Bank may cancel the Contractshould the Bank recognize any of the following before it issues the payment order to the Banks
Concerned:(1) The remittance is in violation of laws and regulations governing foreign exchange such as it becoming
subject to an emergency suspension of transactions;(2) A war, insurrection or freezing of assets or suspension of payments of the Banks Concerned occurs
or threatens to occur; or

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(3) Other reasonable grounds such as the possibility of the remittance being linked with crime. In
the case of such, the Bank shall not be responsible for any losses or damages caused by cancellation
except those in which caused by the Bank4.

s fault.

In the case of cancellation by the Bank pursuant to the preceding Paragragh, the Bank shall return
the Remittance Funds to the applicant. In such event, the applicant shall submit a receipt or otherdocuments as prescribed by the Bank with the signature or the name and seal which are identical tothose used on the Application for Remittance and Declaration. Furthermore, when the Bank requests
such, the applicant shall submit documents identifying the applicant to the Bank as prescribed bythe Bank.

5.

When the Bank returns the Remittance Funds after verifying, with reasonable care, that the signatureor seal impression used on the receipt or other documents matches that which was used on the Application
for Remittance and Declaration, the Bank shall not be responsible for any losses or damages caused
thereby.

Article 5. Issuance of Payment Orders
1.

Upon entering into the Contract, unless it is cancelled by the Bank pursuant to the Article 4,
Paragragh 3, the Bank shall issue a payment order to the Banks Concerned without delay in accordancewith the content of the request.

2. When the applicant requests a remittance, the Bank will transmit all or some of the items below
to the Banks Concerned in the remittance with the information on our payment orders, in compliancewith Japanese and foreign laws, regulations, recommendations, customs, practices, or designatedprocedures of the Banks Concerned, as well as the requirements of the transmission method to be used
for the remittance. This information may be transmitted to the payee of the remittance by the Banks
Concerned.
(1) Information described on the Application for Remittance and Declaration.
(2) Applicants account number, address, transaction reference number, and any other information,

which can identify the applicant.
(3) Payee s account number, address, transaction reference number, and any other information, which
can identify the payee.
3. The transmission method for issuing a payment order shall be determined by the Bank as it deems
appropriate. In addition, the same shall apply with respect to selecting Banks Concerned unlessspecifically designated by the applicant.
4. In the following circumstances, the Bank may select such Banks Concerned as the Bank deems appropriate
in lieu of those designated by the applicant:(1) The Bank deems it impracticable to observe the designation by the applicant: or(2) Excessive costs against the applicant or delays in remittance are expected should the designationof the applicant be observed, and the Bank deems that there are other adequate Banks Concerned
available. In such events, the Bank shall promptly notify the applicant of this decision.
5. The Bank shall not be responsible except those in which caused by the Bank s fault, for any losses
or damages caused by the handling pursuant to the preceding Paragraghs 2, 3 and 4.

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Article 6. Changes and Expenses
1. When the Bank receives the request for remittance, the applicant is required to pay the remittancecharges, charges for the Banks Concerned and any other charges and expenses required in connection
with this transaction as placed on the Bank s Website. Additional charges and expenses relating
to the Banks Concerned, if any, shall be paid by the applicant at a later date.
2. When the Bank receives a request for an inquiry, amendment or cancellation by the applicant, theapplicant is required to pay certain charges and expenses, as prescribed the Bank and the Banks
Concerned, as set out below:(1) Inquiry charges;(2) Amendment charges;(3) Charges for cancellation initiated by the applicant;(4) Cable charges and postage; and(5) Any other charges and expenses related to the inquiry, amendment or cancellation initiated by theapplicant. In such cases, the charges or expenses indicated in the preceding Paragragh shall not
be returned. Additional charges and expenses relating to the Banks Concerned, if any, shall be paidby the applicant at a later date.
Article 7. Exchange Rates
1. When receiving the request for remittance, the Bank shall apply the foreign exchange rate at thetime when the actual calculation is made by the Bank when the funds to be remitted are received ina currency other than the currency to be remitted, except for cases where a forward foreign exchange
contract is in place.
2. When repaying the Remittance Funds or refunds provided for in Article 4, Paragragh 4 ; Article 9,Paragragh 3 ; and Article 11, Paragragh 1, Subparagragh 3 ; the Bank shall apply the foreign exchange
rate at the time when the actual calculation is made by the Bank when such amounts are to be returnedto the applicant in a currency other than the remitted currency, except for cases where a forward
foreign exchange contract is in place.
Article 8. Currency of Payment to the Payee
In the case the applicant requests a remittance being made in the currency provided for in any of thefollowing Subparagraghs, the currency of payment to the payee may differ from the currency originallydesignated by the applicant. In this case, laws, regulations, customs and practices of the relevant
countries, as well as certain procedures prescribed by the Banks Concerned, shall be observed in respect
to the currency of payment, foreign exchange rate, charges and such.
1. The currency which differs from the currency of the country in which the Paying Bank is located.
2. The currency which differs from the currency of the account of the payee.
Article 9. Inquiries concerning Transaction Details

4 / 81. When the applicant has any fears concerning the remittance transaction such as the remitted funds
not being paid to the payee after the request for remittance was made, the applicant shall promptly
make an inquiry with the office that accepted the request for remittance (hereinafter referred toas theOffice in Charge). The bank shall then conduct an investigation such as inquiring with

the Banks Concerned and report the results thereof to the applicant.
When the Bank receives inquiries, the applicant shall submit an application for inquiry as prescribedby the Bank, upon the request of the Bank.
2. In the case the Banks Concerned make any inquiries with respect to the payment order by the Bank,
the Bank may inquire with the applicant as to the substance of the request for remittance. In such
event, the applicant is requested to respond promptly. If a response is not made within a reasonable
period of time or an inappropriate response is made, the Bank shall not be responsible for any losses
or damages caused thereby.
3. In the event that it becomes apparent that remittance is not possible with respect to the payment
order by the Bank due to reasons such as refusal of the payment order by the Banks Concerned, theBank shall promptly notify the applicant of the same. Should the Bank receive any refund relating
to the remittance from the Banks Concerned, the Bank shall immediately repay such amount. In suchevent, the applicant shall take certain procedures as prescribed by the Bank, in line with thecancellation procedures provided for an Article 11, mutatis mutandis.
Article 10. Amendments to Requests
1. In the case the applicant desires to amend the content of the request after the Contract has beenentered into, such amendments shall be processed according to the following procedures at theteller s counter of the Office in Charge. However, any amendment to the amount of remittance shallbe handled as stated in the cancellation procedures provided for in Article 11.
(1) When requesting an amendment, the applicant is required to submit an Application for Amendment asprescribed by the Bank with the signature or the name and seal which are identical to those usedon the Application for Remittance and Declaration. In such case, when the Bank requests such, theapplicant shall submit official documents identifying the applicant to the Bank as prescribed bythe Bank.
(2) Upon acceptance of a request for amendment, the Bank shall implement necessary procedures without
delay such as issuing amendment instructions in accordance with the substance of the Application
for Amendment, selecting the Banks Concerned and selecting the transmission method which the Bankdeems appropriate.
2. With respect to the handling of the Application for Amendment submitted for the amendment request
pursuant to the preceding Paragragh, the provision of Article 4, Paragragh 5 shall apply, mutatis
mutandis. The Bank shall not be responsible for any losses or damages caused by the handling provided
for in Subparagragh 2 of the preceding Paragragh except those in which caused by the Bank s fault.
3. Amendments provided for in this Article may not be completed due to reasons such as refusal by theBanks Concerned, restrictions by laws and regulations, and certain actions taken by the governments,

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courts or other public authorities. If the applicant then requests cancellation, the cancellation
procedures, provided for in Article 11 shall not be implemented.
Article 11. Cancellation Initiated by the Applicant
1. In the case the applicant cancels the request for remittance at its initiation after the Contract
has been entered into, such cancellation shall be processed according to the following proceduresat the teller s counter of the Office in Charge:(1) When requesting cancellation, the applicant is required to submit an Application for Cancellation
as prescribed by the Bank with the signature or the name and seal which are identical to those usedon the Application for Remittance and Declaration. In such case, when the Bank requests such, theapplicant shall submit official documents identifying the applicant to the Bank as prescribed bythe Bank.
(2) Upon acceptance of a request for cancellation, the Bank shall implement necessary procedures without
delay such as issuing cancellation instructions in accordance with the substance of the Application
for Cancellation, selecting the Banks Concerned and selecting the transmission method which the Bank
deems appropriate.
(3) When the Bank receives a refund relating to the remittance from the Banks Concerned in line withthe cancellation, the Bank shall immediately return such amount to the applicant. In such event,the applicant shall submit a receipt or other documents as prescribed by the Bank with the signatureor the name and seal which are identical to those used on the Application for Remittance andDeclaration. Furthermore, when the Bank requests such, the applicant shall submit official documents
identifying the applicant to the Bank as prescribed by the Bank.
2. With respect to the handling of the Application for Cancellation submitted for the cancellation
request, and the receipt or other documents required when the refunds are to be returned, pursuant
to the preceding Paragragh, the provision of Article 4, Paragragh 5 shall apply, mutatis mutandis.
The Bank shall not be responsible for any losses or damages caused by the handling provided for in
Subparagragh (2) of the preceding Paragragh.
3. Cancellation provided for in this Article may not be completed due to reasons such as refusal by
the Banks Concerned, restrictions by laws and regulations, and certain actions taken by thegovernments, courts or other public authorities.

Article 12. Contact for Notices and Inquiries
1.

In the case the Bank gives notice to or makes an inquiry with the applicant in respect to thistransaction, the address and telephone number stated in the Application for Remittance and Declarationor the address and telephone number registered in the deposit account which the funds for remittanceare to be debited from shall be used.

2. The applicant is required to submit the documents prescribed by the Bank immediately when the changes

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of the address and telephone number pursuant to the preceding Paragragh. In the case that any losses
or damages caused by not submitting the documents, the Bank shall not be responsible for them. If
communication pursuant to the preceding Paragragh cannot be made due to improper entry of the statedaddress or telephone number, interruption of telephone service or such, the Bank shall not beresponsible for any losses or damages caused thereby.
3. In the case that the Bank gives notice or sends the documents to the registered name and address,
it shall be deemed to reach in a proper time even the delay or not reaching.
Article 13. Force Majeure
The Bank shall not be responsible for any losses or damages arising out of any of the following:
1. An unavoidable event such as calamities, incidents, wars, accidents during transit, restrictions
by laws and regulations, and certain actions taken by the governments, courts or other publicauthorities;
2. Any failure or malfunction of terminals, communication circuits, computers or other equipment; orany mutilation, error or omission in the text resulting from such, which occurred despite reasonablesecurity measures taken by the Bank;
3. The handling by the Banks Concerned of the remittance in accordance with the customs and practicesof the country in which the Banks Concerned are located or with certain procedures prescribed by theBanks Concerned; or any reason attributable to the Banks Concerned other than the head office orbranches of the Bank;
4. Any reason attributable to the applicant such as the incorrect description of the name of the payee;
5. Messages from the applicant to the payee;
6. The relationship between the applicant and the payee or a third party, on which the remittance isbased; and7. Any reason other than those attributable to the Bank.
Article 14. Prohibition of Transfer or Pledge
The applicant shall not be allowed to transfer or pledge rights under the transactions made herein.
Article 15. Application of Deposit Terms and Conditions
In the case the applicant requests a remittance by debiting the Remittance Funds from an account, theAccount shall be debited in accordance with the relevant deposit terms and conditions.
Article 16. Compliance with Laws and Regulations
Matters not stipulated herein shall be governed by laws, regulations, customs and practices of Japanand other relevant countries and the procedures prescribed by the Banks Concerned.
Article 17. Amendment of Provisions

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1. This provision shall be changed in accordance with Article 548,Paragragh 4 of Japanese Civil Codewhen the Bank considers that there is a change in financial developments or other circumstances,or any other considerable event.
2. The changes in this provision pursuant to the preceding Paragragh shall be announced by publishing
the effect of making the change and the contents of the provision after the change and the time ofits effect by means of in‑branch indication, the internet or any other equivalent method.
3. The changes made pursuant to the preceding Paragragh shall be applied from the day when considerable
period more than one month that is determined when the announcement.
(This English translation is for the convenience of the applicant only. Any and all questions which
may arise in regard to the meaning of the words, provisions and stipulations of these Terms and Conditions
shall be interpreted in accordance with the official Japanese text.)
End（As of May 25,2020）

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