YEN SAVINGS ACCOUNT CUSTOMER AGREEMENT
Any Account Transaction arising under or relating to a Yen Savings Account shall be subject tothe General Agreement and this Yen Savings Account Customer Agreement (the "Yen AccountAgreement"). If there is any discrepancy between the General Agreement and the Yen AccountAgreement, the latter shall prevail.
Any term defined in Transactional Agreements may mean the same in this terms and conditions(agreement) unless otherwise specified.
Article 1. Conditions for Commencement of Transaction
SMBC Trust Bank may request, upon the opening of a Yen Savings Account (a "YenAccount"), that the Depositor deposit such an amount as SMBC Trust Bank shall prescribe.
Article 1-2. Refusal of Transactions with Anti-social Forces
This Account may be used only when the Depositor does not fall into any of Item 1, Item 2
or Item 3 of Article 4, Paragraph 1. If the Depositor falls into any of such Items, SMBC Trust
Bank shall not open an account for the Depositor and may restrict or suspend AccountTransactions with the Depositor.
Article 2. Deposits and Withdrawals, Etc.
1.

The Depositor may make a deposit into a Yen Account by means of a fund transfer, cash,travellers checks, checks, etc. at a Branch or other office of SMBC Trust Bank in Japan
which handles said deposits. Deposits made by use of a cash card through an ATM of an
associated financial institution shall be subject to the "Terms & Conditions for SMBC Trust
Bank Banking Card" which SMBC Trust Bank shall prescribe.

2.

Withdrawals may be made at the counter of a Branch handling the business of withdrawal,
by use of a cash card through an ATM of an associated financial institution, or by transfer toanother Account, etc. via telephone, PRESTIA Online, PRESTIA Mobile, etc., but shall inany event be subject to the conditions set out below.
(1) SMBC Trust Bank shall accept a request for withdrawal made at a Branch counter only
when the seal or signature placed on a withdrawal request form corresponds with theseal or signature registered with SMBC Trust Bank in advance, or that the personal
identification number inputted into PIN PAD of SMBC Trust Bank corresponds with thepersonal identification number registered with SMBC Trust Bank (the "PIN").
(2) SMBC Trust Bank shall accept a request for withdrawal made through an ATM only
when personal identification number (PIN) (and/or other methods to identify theYEN SAVINGS ACCOUNT CUSTOMER AGREEMENT
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Depositor as prescribed by the Bank) used upon such request corresponds with that
registered with SMBC Trust Bank for cash card in advance.
(3) SMBC Trust Bank shall accept a request for withdrawal made by telephone only when
personal identification number inputted by telephone corresponds with the T-PIN, orwhen SMBC Trust Bank completes verification of such personal identity in such amanner as SMBC Trust Bank shall prescribe. In such cases, SMBC Trust Bank mayomit requesting the Depositor to submit to SMBC Trust Bank a withdrawal request
form or a check, etc.
(4) SMBC Trust Bank may accept a request for withdrawal through PRESTIA Online orPRESTIA Mobile only when inputted User ID and Password correspond with the User
ID and Password registered with SMBC Trust Bank for PRESTIA Online and PRESTIA
Mobile, respectively (including the case where any conditions designated by SMBC
Trust Bank are met). In such a case, SMBC Trust Bank may omit requesting theDepositor to submit to SMBC Trust Bank a withdrawal request form or a check, etc.
Article 3. Interest on Deposits
SMBC Trust Bank calculates the deposit interest according to the interest rate specified by
SMBC Trust Bank with the minimum denomination on which interest is calculated being
one Yen (JPY1) only when the daily final balance (the amount of any securities, etc.
deposited shall be excluded from said balance until they are settled) is 1000 Yen(JPY1000) or more. For payment, interest up to the third Sunday of February and August isincorporated into the principal of the deposit at the next business day of calculation. SMBC
Trust Bank may change the interest rate due to changes in financial circumstances, etc.
Interest shall be calculated on a daily basis based on the deposit rate specified by SMBC
Trust Bank.
Article 4. Termination, etc.
1.

When any of the items below applies and when it is inappropriate to continue withTransactions with the Depositor, SMBC Trust Bank shall suspend the Yen Savings AccountTransactions or, upon giving a notice to the Depositor, terminate the Account. In cases
where SMBC Trust Bank terminates the Account by notice, if SMBC Trust Bank sends anotice of termination to the name and address that the Depositor has reported to SMBC
Trust Bank, such notice shall be deemed to arrive at the Depositor at the time when
delivery would normally occur, and the Account will be terminated at the time, regardless ofwhether notice is delayed or is not delivered due to the fault of the Depositor.
(i)

When it has become clear that the Depositor made false statements with regard toYEN SAVINGS ACCOUNT CUSTOMER AGREEMENT
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representations and warranties at the time of application for account opening.
(ii)

In case the Depositor has been found out to fall under any of the categories of, fallunder any of an organized crime group; a member of an organized crime group; aformer member of an organized crime group who has withdrawn from that group but
less than 5 years have passed since; a quasi-member of an organized crime group; arelated company or association of an organized crime group; a corporate racketeer; arogue person proclaiming himself/herself as a social activist; an organized special
intellectual crime group; and any other person or entity equivalent to any of theforegoing (“Anti-Social Forces”)
A.

or fall under any of the following categories:

an entity having such relationship with Anti-Social Forces that indicates thecontrol of Anti-Social Forces over the entity’s management;B.

an entity having such relationship with Anti-Social Forces that indicates thesubstantial involvement of Anti-Social Forces in the entity’s management;C.

an entity having such relationship with Anti-Social Forces that indicates relianceon Anti-Social Forces for the purpose of unfairly benefiting itself or third parties, orof damaging third parties;

D.

an entity having such relationship with Anti-Social Forces that indicates provisionof funds, benefits or services from the entity to Anti-Social Forces; andE.

an entity where any of the directors and officers or other personnel substantiallyinvolved in its management is engaged in socially condemnable relationship with
Anti-Social Forces.

(iii) In case the Depositor is engaged in any of the following acts directly or by utilizing athird-party:A.

violent demands;

B.

undue demands beyond its legal entitlement;C.

the use of threatening statement or violence in connection with the transactions;D.

acts damaging credibility of the other party or obstructing the other party’s
business through the spread of false information or the use of fraudulent
practices; andE.
2.

any other act similar to any of the foregoing

In addition to the cases set forth in the preceding paragraph, SMBC Trust Bank may, at its
own discretion, terminate any Account with a rational reason when it determines that theAccount should be terminated.

3.

In the event that any balance remains after an Account shall be terminated pursuant to anyof the two preceding Paragraphs, SMBC Trust Bank shall be released from any and all
responsibilities in respect of such Account by delivering by mail to the Depositor of a check

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that is payable to the order of the Depositor in the amount of such balance. SMBC Trust
Bank may assign to a third party the principal of and interest on any overdrafts or otherdebts owned to SMBC Trust Bank.
4.

In the event that SMBC Trust Bank terminates Account Transactions pursuant to thisArticle, Depositor shall be liable for any loss or damage, or costs and expenses, and SMBC
Trust Bank shall not be liable except in the case of negligence on SMBC Trust Bank for anyloss or damage, or costs and expenses incurred by the Depositor, in connection with thetermination.

Article 5. Last Change Date, Etc. Pertaining to the ACT on Utilization of Dormant
Deposits
1.

For this deposit, the last change date, etc. in the ACT on Utilization of Dormant Deposits
shall be the latest date out of the following:(1) Date of last change listed in SMBC Trust Bank's website (change reason pertaining tothe dormant deposit)(2) Date specified in the following paragraph as the date on which the claims pertaining tothe deposit are expected to be exercised, for items stipulated in the following
paragraph as reasons the claims pertaining to deposits in the future are expected tobe exercised(3) Date on which SMBC Trust Bank issued a notification to the depositor, etc. regarding
matters stipulated in Article 3 Paragraph 2 of the ACT on Utilization of Dormant
Deposits. However, this is limited to cases where the notification reached the depositor
or cases where one month passed from the issue date of the notification (excludingcases where the notification was returned not by the depositor's intention by the dateafter one month passed, or the date on which SMBC Trust Bank informed the Deposit
Insurance Corporation in advance, whichever is later).
(4) Date on which this deposit has resulted in any of the cases set forth in the items in
Article 2 Paragraph 2 of the ACT on Utilization of Dormant Deposits

2.

The reasons the claims pertaining to deposits in the future are expected to be exercised inParagraph 1 Item 2 shall refer only to the reasons listed in the following items, and the dateon which the claims pertaining to the deposit are expected to be exercised shall be the dateset forth in the following items, in accordance with the reasons specified in the respective
items.
(1) Last date of Deposit Period, Calculation Period or Redemption Period(2) Payment was suspended for this deposit due to orders or measures based on laws,
regulations or contracts: Date on which the payment suspension was canceled

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(3) This deposit was subject to compulsory execution, provisional seizure, or disposition
for delinquent payment of national taxes (including disposition by the example): Dateon which the procedure was completed(4) Acceptance of transfer based on laws or contracts, account transfers or other deposits
or withdrawals are being scheduled or have been scheduled (however, limited toscheduled deposits/withdrawals of which SMBC Trust Bank is aware): Date on which
the deposit/withdrawal was made or date on which it was established that thedeposit/withdrawal would not be made(5) The reasons listed in the preceding items occurred for other yen deposits based on
the PRESTIA MultiMoney Account Customer Agreement: Date of the last change
pertaining to other deposits
Article 6. Handling of substitute money for the dormant deposit1.

If there is no long-term transaction for this deposit, the claim pertaining to it shall beextinguished based on the Act on Utilization of Dormant Deposits, and Depositors shallhave claims for substitute money for dormant deposits against the Deposit Insurance
Corporation of Japan.

2.

In the case referred to in the preceding paragraph, the Depositor can request payment ofsubstitute money for the dormant deposits associated with this deposit via the SMBC Trust
Bank. In this case, when the SMBC Trust Bank accepts, the Depositor can receive
payment of substitute money for a dormant deposit by acquiring the deposit claim held
against the SMBC Trust Bank.

3.

In the case of Paragraph 1, Depositors shall entrust SMBC Trust Bank beforehand withrequests and payment pursuant to Article 7, Paragraph 2 of the Act on Utilization ofDormant Deposits when the following events occur:(1) With respect to this deposit, deposits from third-parties or deposits from the SMBC
Trust Bank by means of transfer, direct debit or other methods based on obligations
stipulated in laws and ordinances or contracts (excluding those pertaining to paymentof interest).
(2) With respect to this deposit, a notice of a bill or check or a request for payment of aclaim by a third-party has occurred (provided the SMBC Trust Bank is able tounderstand the request for payment).
(3) Compulsory execution of a claim with the objective of payment of substitute money fora dormant deposits associated with this deposit, provisional seizure, or procedure forcollection of national tax delinquency (including the procedure according to thisexample)

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(4) Partial payment of substitute money for dormant deposits related to this deposit
4.

SMBC Trust Bank requests payment of substitute money for dormant deposits according toParagraph 3 on behalf of Depositors provided the following are satisfied.
(1) The SMBC Trust Bank has been entrusted with payment operations by the Deposit
Insurance Corporation for Japan for substitute money for dormant deposits associatedwith this deposit(2) In the event that the reasons listed in Paragraph 3.2 occur in relation to this deposit,
request the Deposit Insurance Corporation for Japan to pay substitute money fordormant deposits as a response to the request for payment(3) In the case of handling in accordance with the preceding paragraph, payment shall bemade according to the method of acquiring the deposit claim that the Depositor held
against the SMBC Trust Bank.

All the terms and conditions set out in Yen Savings Account Customer Agreement shall become
effective as of October 23, 2023
SMBC Trust Bank Ltd.
規約 02（英）2310

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