October 2022 ver.

【 Contact Details 】

Outline of MAMORISUMAI INSURANCE TM

For general inquiries

This brochure contains the issues closely related to your interests in regard to theOrganization for Housing Warranty Ltd.

MAMORISUMAI INSURANCETM that your house builder or seller (housing supplier) isforforHomeowners
Homeowners

Monday to Friday 09:00~17:00
except holidays and December 29 through January 3

covered, and you (homeowner) are advised to read the contents thoroughly.
Please be noted that this brochure is NOT a complete or thorough explanation ofthe MAMORISUMAI INSURANCETM, and please call your housing supplier or OHW Ltd.
representative if you have any questions.

For claims or complaints about theMAMORISUMAI INSURANCETM
Organization for Housing Warranty Ltd.

Name of the insurance : MAMORISUMAI INSURANCETM[call center]

DEFECT

MAMORISUMAI INSURANCETM has been

Monday to Friday 09:00~17:00
except holidays and December 29 through January 3

developed based on the Act for Secure

HousingSupplier①

Execution of Specified Housing Defect④③

Warranty Liability (the Act) by OHW Ltd.

Homeowner

In case of disagreement with your housing supplierover the insured house

In the event ofbankruptcy or
insolvency ofhousing supplier⑤⑥②OHWLtd.

⑤⑥①Claim ②Insurance claim ③Repair, etc. ④Insurance payment⑤Direct claim ⑥Insurance payment

Please have your cerfificate of insurance coverage ready when calling.
General inquiries such as the contents of the policy are not accepted.

Parts covered

Center For Housing Renovation
and Dispute Settlement Support

Structural parts and parts preventing rainwater leakage stipulated under the Act as 10-year defectwarranty liability
Roof truss

Monday to Friday 10:00~17:00
except holidays and December 29 through January 3

Roof board

Rainwater leakage or
penetration throughDiagonal
members

Opening or

Cross beam
Walls
Floor board

Please refer tohttps://www.mamoris.jp/privacy/ for the handling of individual information.

Roof orExterior walls
Pillars

SillFoundation

Two-story Wooden Detached House

Shiba Koen 3-chome bldg.
3-1-38 Shiba Koen Minato-ku Tokyo 105-0011 Japan
TEL.03-6435-8870 FAX.03-3432-0571 https://www.mamoris.jp2148022210

Roof board

Rainwater leakage or
penetration throughRoof orOpening orExterior walls or

Walls

Drain pipes

Foundation

Floor boardFoundationPile

Two-story Apartment House
with Reinforced Concrete Structure

MAMORISUMAI INSURANCETM Confirmation Sheet
Before signing the contract, please confirm the contents of the insurance contract (your housing suppliers isan insured) with this brochure, read the Confirmation Sheet, check the corresponding items and sign or
put your seal along with your name.

Insurance Period (duration of the insurance)＊When an insured house is one of the units in a multiple-dwelling building, and there are non-insured
units in the same building, the calculation formula of the insurance payment will be:
Total occupied area of insured units ÷ total occupied area of the building × the amount of damage

3②Deductibles (born by the homeowner)
In cases where a housing supplier cannot fulfill the defect warranty liability for certain period of time due tobankruptcy or other reasons, and the insurance money be paid to the homeowner directly, the deductiblesof ￥100,000 should be born by the homeowner.

Inception of the policy : the date of handover of the house in principle.
Term of insurance : 10 years in principle, though varies depending on the type of insurance

Insurance Payment
In cases where an insurable event occurs due to a defect in major structural parts or in parts preventing rainwaterleakage, and the housing supplier cannot fulfill the defect warranty liability due to bankruptcy or other reasonsfor a certain period of time, OHW Ltd. will pay the homeowner the amount of the damage that an insured (thehousing supplier) should have born. (If the housing supplier fulfills the warranty liability, the insurance money will
be paid to the housing supplier (the insured).)

1・In cases where a dispute between a homeowner and the housing supplier arises over a contract ofconstruction work or sales, a dispute resolution support system operated by the designated
Dispute Resolution Body is available for either party with a set application fee.

①What is covered
OHW Ltd. will pay any of the following:
The cost of building materials and labor cost to have the work done to put right the insurable event and otherdirect expenses;
Investigation fee to determine the area, method of the repair work and the repair cost;
Temporary accommodation and moving cost.

②What is NOT covered

２

Dispute Settlement Service

OHW Ltd. will participate in the resolution process or offer its advice or comments when requestedby the Dispute Resolution Body and will respect the decision reached through the dispute settlement
process.

4

DisputeHomeowner

Housing Supplier

OHW Ltd. will not pay insurance on the occasions due to the following reasons.
Natural disasters such as flood and typhoons; or unexpected or external events such as fire, lighting strikes andexplosions;Application forSettemenr Service

Subsidence, upheaval, movement, oscillation, softening of land, land avalanche, outflow or inflow of soil; or any
defects caused by the land formation;
Worm-eaten; wear and tear or deterioration not because of defects;
Significant improper use or maintenance;

Consultation/
AdviceCenter for Housing Renovation and Dispute Settlement Support＊Cases excluded from the insurance payment are not limited to the above,andhomeowners are advised to refer to the “MAMORISUMAI INSUR ANCE™ GUIDE”
provided by the housing supplier.

Examples of Special Contracts

Insurance Amount and others● Special contract for the damage due to intension or gross negligence①Limit of Insurance Payment (per housing unit)

Investigation fee

Temporaryaccommodationand moving cost

Consultation/
Advice(Mediation / Conciliation /Arbitration Service by Bar Association)

Fire damage, failure, buried or outflow and others caused by an earthquake, volcanic eruption orassociated Tsunami.

Maximum amount of
insurance payment perhousing unit

Application forSettemenr Service

Designated Housing
Dispute Settiement Agency

A defect caused by a work of addition, renovation or repair on or after the insurance start date; a defect occurredin parts such work has been done;3

Defect Warranty Liability

Detached house

Multiple-dwelling (apartment) bldg.

¥20 million¥20 million

The larger of 10% of the repair costor ¥100,000/per house (should be thesmaller of the actual investigation
fee or ¥500,000)

The larger of 10% of the repair costor ¥100,000/per housing unit (should bethe smaller of the actual investigation
fee or ¥2 mill.)

Maximum of ¥500,000 per house

Maximum of ¥500,000 per housing unit

※Maximum amount of insurance payment can be set up higher as an option for a detached house.
※Total of investigation fee and temporary accommodation and moving cost should be equal or less than the limit of insurance payment
per housing unit.
※There are other conditions for the insurance payment such as the limit of the total insurance payment in one fiscal year.

5If there are damages caused by intension or negligence of a housing supplier, and the housing suppliercannot fulfill his/her defect warranty liability for a certain period of time due to bankruptcy or otherreasons, the insurance will be paid to the homeowner under this special contract.

● Special contract upon resale of the house (change of the ownership)
Under this special contract, MAMORISUMAI INSURANCETM will pay the amount of the damage to thehousing supplier even if the ownership of the house has been changed by resale or otherreasons.