September 27, 2022

Please Read this Guidance
Before Proceeding this Account Opening ProcedureThis guidance is for customers who are holding a Residence Card (在留カード).

Services provided by SBI Sumishin Net Bank (SSNB) are available in Japanese (⽇本語) only.
We strongly recommend all customers to have certain Japanese language skill in order tofully utilize our services. In addition, our telephone reception is only available in Japanese.

According to the "Guide to Anti-Money Laundering and Anti-Social Forces Compliance”
announced by Financial Service Agency of Japan in Feb 2018, SSNB requests all customers
who have "Residence Card(在留カード)" to submit its copy by mail or via smartphone.
If the period of stay (在留期間満了⽇) on your Residence Card became less than 45 days,
then SSNB may request a copy of your Residence Card again.

Our services are available for resident of Japan (⽇本居住者)( stay in Japan for 6 month orlonger) only. If you intend to leave Japan permanently, you need to follow a procedure toclose your bank account.

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Two routes to open account for customers who have aResidence Card
Please select either route to open your account according to your situation in the figure below.

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ROUTE①

Step1: Start opening accounts by using our smart phone app

If you have a smart phone withcamera and a Residence Card(except for U.S. citizens), pleasescan this QR code.

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Step2: Agreement to the terms of use-4-September 27, 2022

Step3: Confirmation of account opening-5-

September 27, 2022

Step4: Agreement to the terms for opening accountRepresentation and Warranties on"Exclusion of Anti-Social Forces"⇒Please read all pages of this form in detail.
・Available in Japanese text only.

Please place a check mark after
you read this term.

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Step5: Entry of your information into the application form

Please enter your email address.
And, please request verification code toconfirm your email address.

Please enter your mobile phone number
to receive SMS.
And, please request verification code toconfirm your phone number via SMS.

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September 27, 2022

In addition to general banking account,
there are more service available.
Please, choose additional services incase of need.

Type in Your Name in ENGLISH Letters.
⇒Full English letters & capital letters.
(全⾓英数字かつ⼤⽂字)
Please type in this order: Surname, Given name.

Type in Your Name with KATAKANA⇒Full KATAKANA letters.
(全⾓カタカナ)
English letters is NOT acceptable.

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Please enter your date of birth, gender,
occupation.

Enter Your Address in Japan⇒Please enter the address of your current
residence in Japan, which is same on yourIDs e.g. your resident card or copy ofresidence record.
Your cash card & temporary banking password will be sent to theaddress that you enter here.

If your jurisdiction ofresidence is JAPAN ONLY,
please select this procedure
to proceed.

Determination of Jurisdiction of Residence
cf: National Tax Agency HP
https://www.nta.go.jp/taxes/shiraberu/kokusai/crs/index.htm-9-September 27, 2022

There are three options for Identity
Verification, KYC.
Please select either reasonable way.

Please set four numerical digits
password for your debit card and ATM.

After filling out all necessary information on the website, please take pictures of yourresidence card, your profile and so on, according to a reception screen or an invitation email.
[Omitted below]- 10 -

September 27, 2022

ROUTE②

Step1: Confirmation of whether or not your condition is applicable to account opening on
your smart phone

Please click on the button “いいえ“ to reachthe application form for opening account by
post,
if you meet any of the following conditions:1) Customers who hold U.S. citizenship;
2) Customers whose jurisdiction of residence
is NOT only Japan;
3) Customers who do NOT have a smart
phone with camera.
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September 27, 2022

Step2: Selection of an ID document for account opening by post

Residence Card or Special Permanent
Residence Certificate
Please place a check mark inthe section of Residence
Card.

⇒The Copy should have more than 3 months ofvalid period left.
・Please make clear copies of the documents.
・If there is any description on the back side, please make a copyof the back side as well.

Utility Receipt⇒The original, issued within 3 months.
・A receipt of utility such as electricity, water, city gas, landlines(excluding mobile phones, IP phones) is acceptable.
・A receipt paid by your family member is acceptable, but theaddress must be the same address on your residence card.
・A receipt printed via websites is NOT acceptable.

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September 27, 2022

Step3: Agreement to the terms for opening accountPlease open, and read all forms (PDF)of this page in detail.

Representation and Warranties on"Exclusion of Anti-Social Forces"⇒Please read all pages of this form in detail.
・Available in Japanese text only.

Please place a check mark after
you read this term.

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Step4: Entry of your information into the application form
Type in Your Name in ENGLISH Letters.
⇒Full English letters & capital letters.
(全⾓英数字かつ⼤⽂字)
Please type in this order: Surname, Given name.

Type in Your Name with KATAKANA⇒Full KATAKANA letters.
(全⾓カタカナ)
English letters is NOT acceptable.

Enter Your Address in Japan⇒Please enter the address of your current
residence in Japan, which is same on yourIDs e.g. your resident card or copy ofresidence record.
Your cash card & temporary banking password will be sent to theaddress that you enter here.

After filling out all necessary information on the website, please send your documents
by mail.
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