Non-committal translation
The contents of this document have been translated from Japanese into English for convenience only. This translation does not
replace or alter the meaning contained in the original Japanese document. In the event of a dispute as to the meaning of any part ofthis document, the meaning as contained in the Japanese shall be conclusive.

Explanatory Leaflet of Material Facts Related to " Oheya No Hoken Wide (comprehensive tenants' insurance with the special
conditions for expanding the range of repair expense)"(Explanation about contract summary, alert information and other remarks)
・ This document includes important information pertaining to this insurance contract, which the applicant is required to understand before confirming
agreement.
・ If the applicant is not the tenant (the person to be the insured), he/she is requested to transfer the contents and this document to the tenant.
・ If the applicant has any questions, please contact either the agent or Tokio Marine Millea Small Amount and Short Term Insurance Co., Ltd. (hereinafterreferred to as "the Company").

“Oheya No Hoken Wide” is the fire insurance characterized by providing a wide range of coverage for those living in rented
dwelling units against losses or damages pertaining to such units.

Contract summary
This document shows particularly important information regarding the comprehensive tenants' insurance contract with the special conditions for expanding
the range of repair expense
Please see the general conditions and special conditions for the details.
1. Structure of this insurance contract“Oheya No Hoken Wide” is a nickname of the insurance contract which is the comprehensive tenants’ insurance with the special conditions for expanding therange of repair expense. This insurance is characterized by providing a wide range of coverage for those living in rented dwelling units against losses ordamages pertaining to such units as shown below under the insurance contract.
Damages for household goods
Household goods section
Damages for incurring expense of repairing the rented dwelling unit
Repair expense section
Costs borne under a lease contract
The special conditions for expanding therange of repair expense section
Tenants' liability section
Damages for arising from the assumption of legal liability
Personal liability section
2. Payment of claims(1) Household goods section
This insurance indemnifies the insured for physical damage to household goods that are owned by the insured, plus various expenses accompanying to thedamages. Payments to claim are as follows.
1) Payment of household goods claims
Cases where the Company shall pay
This insurance indemnifies the insured for physical damage tohousehold goods caused by the following accidents.
Fire; Lightning; Bursting or explosion;
Wind, hail or snow (See Note 1);
Falling or flying of objects from outside the building, collision
therewith or collapse thereof;
Water damage by any accident occurring with respect to watersupply and drainage equipment or occurring with respect to rooms
possessed or rented by any other person other than the insured;
Disturbance, group action, violent or destructive action incidental tolabor dispute and the like;
Theft; Inundation above the floor level and the like(See Note 2);
Breakage or stains caused by an unexpected and contingent
accident excluding the above (See Note 3).
Note 1:In case the building containing the household goods hereby
insured is damaged directly by the accident and the amount ofloss of or damage to the household goods exceeds 5,000 yen(a copayment), the Company shall only pay the portion of
exceeding 5,000 yen. However in case the loss or damage ofhousehold goods is not less than 200,000 yen, the copayment
shall not be applied.
Note 2: Including in case the building in which the rented dwelling
unit is located,being half-damaged or more by that accident.
Note 3: In case the loss or damage of household goods exceeds
30,000 yen per accident, the Company shall only pay the
portion of exceeding 30,000 yen.

Amount the Company shall pay
The Company shall pay the amount of loss or damage calculated
based on the replacement value, but not exceeding the insured
amount of the household goods. However the Company has theright to limit payment of household goods claims depending on thenature of the accident as follows.
(1) Cases of loss or damage by thefta) In case of currency for daily living, up to 200,000 yen per
accident;b) In case of deposit-or-savings-certificates (See Note) for dailyliving, up to 2,000,000 yen per accident;c) In case of precious metals, jewelry, works of art and so forth,
up to 300,000 yen for each piece or set per accident, and up to
1,000,000 yen per accident in total;d) Cases other than a) to c): up to the insured amount of thehousehold goods including c) per accident.
(2) Cases of loss or damage by inundation above the floor level, up
to 10% of the insured amount of the household goods per
accident.
(3) Cases of loss or damage by breakage or stains caused by an
unexpected and contingent accident described in the left handcolumn, up to 500,000 yen per accident.
Note: Cash cards are included.

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G275(4) 201909（改）Non-committal translation
2) Payment of extra accommodation expense claims
Cases where the Company shall pay
In cases where the household goods claim is paid, the Company
shall pay extra accommodation expense if the insured cannot
continue to live in the rented dwelling unit as a result of outage ofpower, gas etc. or drainage facilities being out-of-use caused by theaccident and is forced to use other paid accommodation facilities
temporarily.

Amount the Company shall pay
The Company shall pay the actual extra accommodation expense.
However the limit of payment is 30,000 yen for one room pernight. The limit of nights is 14 and the limit of the total payment is
200,000 yen per accident.

3) Payment of claims for expense incurred by moving from the disaster-affected rented dwelling unit
Cases where the Company shall pay
Amount the Company shall pay
In cases where the household goods claim is paid, the Company The Company shall pay the actual expenses of 1) and 2) in the left
shall pay the following expenses incurred by the insured as a result hand column. However the limit of payment is 200,000 yen forof the insured being unable to continue to live in the rented each expense per accident.
dwelling unit as the result of the rented dwelling unit, or thebuilding in which the rented dwelling unit is located, being half ormore damaged by that accident.
1) various expenses required for executing a lease contract of a new
rented dwelling unit;
2) expenses incurred in to the moving to newly rented dwellingunit.
4) Payment of debris removal expense claims
Cases where the Company shall pay
In cases where the household goods claim is paid, the Company
shall pay the expenses required for taking down, carrying out or
cleaning of the debris of the damaged household goods.

Amount the Company shall pay
The Company shall pay the actual debris removal expense.
However the limit of payment is 10% of the payment of thehousehold goods claim per accident.

5) Payment of accidental fire goodwill compensation expense claims
Cases where the Company shall pay
In cases where properties owned by a third party are damaged byfire, bursting or explosion arising out of the rented dwelling unit,
the Company shall pay the expense incurred by the insured as theaccidental fire goodwill compensation to the third party.

Amount the Company shall pay
The Company shall pay the amount calculated by multiplying thenumber of households or corporate bodies sustaining loss ordamage by 100,000 yen, but not exceeding 20% of the insured
amount of the household goods per accident.

6) Payment of claims for expense resulting from earthquake
Cases where the Company shall pay
In cases where the building in which both of the rented dwelling
unit and the household goods in the unit are deemed to be a total
loss by earthquake, volcanic eruption, tsunami or the like theCompany shall pay the claim for expense resulting fromearthquake.
Note: The ascertainment as to the loss or damage shall be made foreach rented dwelling unit in which the household goods arecontained.

Amount the Company shall pay
The Company shall pay 200,000 yen per accident.

The Company shall pay the following costs, charges or expenses in addition to the above.
Sue and labor Reacquisition cost of fire extinguishing chemicals and other materials, cost of repairs or reacquisition cost of thechargesdamaged property resulting from firefighting and so forth, within necessary or useful cost incurred for prevention orminimization of loss.
Preservation of Necessary expenses incurred to preserve or to execute the right to claim damages or losses and other rights therights expense
Company acquires in exchange for the payment, and to obtain evidences and documents required by the Company.
The following properties shall not be included under the definition of household goods.
〔Properties not covered by this insurance contract〕
a. Any vessels, aircraft, automobiles, motor tricycles, motor bicycles and motorized bicycles;
b. Currency, deposit-or-savings-certificates, cash cards, credit cards, prepaid cards, loan cards, checks, securities, revenue stamps, postage stamps, tickets,
commuter's ticket, gift coupons, event tickets and the like. (The loss of currency and deposit-or-savings-certificates (See Note) for daily living by theft shallbe handled as household goods.);c. Precious metals, jewelry, work of art and so forth exceeding 300,000 yen for each piece or set. (The loss of the above properties for daily living by theftshall be handled as household goods.);
d. Manuscripts, design documents, patterns, certificates, books of accounts and the like;e. Programs, data and other similar properties recorded on tapes, cards, disks, drums and other computer storage media and the like;f. Animals and plants.
Note: Cash cards are included.

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G275(4) 201909（改）Non-committal translation(2) Repair expense section and the special conditions for expanding the range of repair expense
Repair expense necessary for restoration of the rented dwelling unit from a disaster, etc.
Payment of claim
Cases where the Company shall pay
Amount the Company shall pay
Payment of expense for In cases where any of the following damages from 1) to 4) Damage described 1) in the left hand column:
repair claim (payment occur in the rented dwelling unit and the insured repairs The Company shall pay the actual expense asof expense for repair of them under contracts such as lease contracts or urgently at incurred by the insured up to 1,000,000 yen;specified facilities, etc. his/her own account, the Company shall pay the expense
claim )
for repair claims. (See Note1)
Damage described 2) in the left hand column :1) Damage to the rented dwelling unit resulting from the The Company shall pay the actual expense as
accident as follows:
incurred by the insured up to 300,000 yen;Fire; Lightning; Bursting or explosion;
Wind, hail or snow;
Damage described 3) in the left hand column :Falling or flying of objects from outside the building, The Company shall pay the amount obtained bycollision therewith or collapse thereof;
deducting 10,000 yen from the actual expense as
Water damage by any accident occurring with respect to incurred by the insured. However the amount thewater supply and drainage equipment or occurring with Company shall pay is up to 1,000,000 yen
respect to rooms possessed or rented by any other person including 4) in the left hand.
other than the insured;
Disturbance, group action, violent or destructive action Damage described 4) in the left hand column :incidental to labor dispute and the like;
The Company shall pay the actual expense as
Theft; Inundation above the floor level
incurred by the insured. However the amount the2) Damage resulting from freezing of water pipes Company shall pay is up to 1,000,000 yen
exclusively used for the rented dwelling unit.
including 3) in the left hand.
3) Damage of a washbasin, a bathtub, and a toilet bowl (SeeNote2) caused by an unexpected and contingent accident
except for 1) and 2) above.
4) Damage of glass (See Note3) attached to the rented
dwelling unit caused by an unexpected and contingent
accident except for 1) and 2) above.
Note1: Excluding cases where the Company pays tenants'
liability claim.
Note2: Attachments are included.
Note3: Plate glass only.
Payment of cost for In case where expense for repair claims is paid for freezing The Company shall pay the actual cost for
prevention of another of exclusive water pipes, the Company shall pay the cost prevention of another freezing as incurred by thefreezing claim
for prevention of another freezing claim if the insured bears insured up to 10,000 yen.
the expense for an improvement construction to preventfrom another similar accident at the point where freezing
accident occurs.
Payment of cost for The Company shall pay the cost for exchanging door The Company shall pay the actual cost for
exchanging door locks claims if the insured exchanges door locks at his/her own exchanging door locks as incurred by the insured
claim
expense in the following cases:
up to 30,000 yen.
1) Theft of a key of the rented dwelling unit occurs outof the rented dwelling unit;
2) All or part of the function of a door lock is lost bymeans of losing or inhibiting the function of a door
lock through willful misconduct.
Repair expense necessary for restoration of the rented dwelling unit caused by the death of the insured and costs occasioned by it
Payment of claim
Cases where the Company shall pay
Amount the Company shall pay
Payment of expense The Company shall pay the expense for repair claims if the The Company shall pay the actual expense as
for repair claim
insured (including an heir) bears the expense for cleaning, incurred by the insured up to 500,000 yen.
deodorization, and repair in case the rented dwelling unit
suffers damage resulting from the death of the insured in therented dwelling unit.
Payment of expense The Company shall pay the expense for cleaning up the The Company shall pay the actual expense forfor cleaning up the belongings of the dead claims if the insured (including an cleaning up the belongings of the dead as
belongings of the dead heir) bears the expense necessary for cleaning up the incurred by the insured up to 500,000 yen,claimbelongings of the dead to vacate the rented dwelling unit to
the lessor.
(3) Tenants' liability section and Personal liability section
Payment of claims
Cases where the Company shall pay
Payment of tenants' In cases where the insured damages the rented dwelling
liability claims
unit by the following accidents and he/she is legally liable
to compensate for damage to the lessor, the Company shall
pay tenants' liability claim.
Fire; Bursting or explosion; water damage from waterleakage, water discharge, or overflow occurring with usage
or management of water supply and drainage equipment.
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Amount the Company shall pay
The Company shall pay the claim for the legal
compensation for damages incurred by the
insured up to the amount of the liability claims(See Note) per accident.
Note: In case the Company pay tenant’s liability
claims and personal liability claims, the total
amount to be paid per accident does notexceed the amount of the liability claims.
G275(4) 201909（改）Non-committal translation
Payment of personal
liability claims

In cases where the insured is legally liable to compensate
for damage resulting from bodily injury or property damage
to other person arising out of the following accidents within
Japan and he/she bears such legal liability, the Company
shall pay personal liability claim.
1) Unexpected and contingent incidental accidents
occurring in relation to use or management of the rented
dwelling unit;
2) Unexpected and contingent accidents occurring in
relation to daily living. (See Note)
Note: The Company shall pay claims of the insured
specified in the insurance policy and his/her relatives livingin the dwelling unit with him/her.

The Company shall pay the following costs,
charges or expenses. (See Note1)
1) Sue and labor charges (See Note2): Expenses
necessary or useful to prevent or minimize
loss;2) Emergency measure expense: Expenses
necessary to first-aid treatment, escort,
medical treatment, therapy, nursing, andother emergency measures and expenses paidby the insured in case it turns out that theinsured is not liable to legal compensation fordamages after the insured taking necessary or
useful measures to prevent or minimize loss
and expenses paid by the insured with a priorwritten approval of the Company.
3) Litigation costs: Litigation expenses, retaining
fees, expenses necessary to arbitration,
amicable settlement or conciliation paid by
the insured with an approval of the Company;
4) Settlement negotiation expense: Expenses
necessary for settlement out of court that theinsured pays with a written of the Company;
5) Cooperation expense: Expenses necessary forthe insured to cooperate with the Company
for the settlement of claims for compensation
for damages;
6) Preservation of rights expense: Expenses
necessary for taking measures to preserve or
execute the right of compensation fordamage, in case the insured obtains the rightaforesaid to the third party.
Note1: In case where the amount of legal
compensation for damages exceeds theamount of liability claims, the Company shall
pay expenses of 3) and 4) above reduced by
the ratio of the amount of the liability claims
to the amount of the legal compensation fordamages.
Note2: The Company shall pay expenses only toaccidents covered by personal liability claims.
[In case of the insured lives in a senior apartment(SERVICE TUKI KOUREISHAJUTAKU) with supportive services]
The objects of the insurance (as household goods) include rented welfare equipments (nursing beds, walkers, etc.) on the premises.
In case of the insured injures other person or property of other person while he/she is non compos mentis, the custody of the insured may be legally liable
to compensate for damages resulting. In this case, the Company shall also pay the custody’s liability claim.
3. Major cases where the Company does not pay
Major cases where the Company shall not indemnify are as follows.
(1) Common to each section:
・ Loss or damage caused by willful conduct of the policyholder or the insured;・ Loss or damage caused by war, act of foreign nations, revolution, insurrection, civil commotion, armed rebellion and other similar disturbance or riot;
・ Loss or damage caused by earthquake or volcanic eruption or tsunami caused thereby; provided, however, that this shall not apply in respect of the claims
for expense resulting from earthquake under Household goods section;
・ Loss or damage caused by action of radioactivity, explosiveness or any other harmful nature of nuclear fuel materials or nuclear fuel contaminants, or any
accident attributable to such nature.
(2) Household goods section:
・ Loss or damage caused by gross negligence or violation of laws or regulations by the policyholder or the insured;・ Loss or damage caused by an accident occurred while the household goods is placed outdoors (See Note);
・ Loss or damage caused by seizure, requisition, forfeiture, destruction and so forth at the order of the government or other public authority.
・ Loss or damage caused by defect in the household goods;
・ Loss or damage to the household goods caused by wear and tear, deterioration, discoloration, rust, mold, rats or insects and so forth;・ Loss or damage to the household goods caused by operational error or faulty workmanship in the course of repairing, cleaning or similar work on it;
・ Mere external appearance loss or damage to the household goods such as grazes, scratches, and removal of paint ,that does not impede the function of thehousehold goods;
・ Loss or damage to bulbs, lamps or CRTs and so forth only or to LCDs, plasma displays, organic electroluminescent displays or other picture display units
only;・ Loss or damage caused by mislaying, misplacing, abolition due to carelessness of the household goods.
Note: The following properties shall be covered by this insurance contract even while they are placed outdoors: bicycles placed in the bike storage room
attached to the rented dwelling unit (including the premises in case the rented dwelling unit is a detached house), outdoor machines of air conditioners ,washing machines placed in a particular spot attached to the rented dwelling unit, the laundry, cloths, bedding and so forth placed on the premises of therented dwelling unit.
(3) Repair expense section the special conditions for expanding the range of repair expense :・ Repair expense resulting from gross negligence or violation of laws or regulations by the policyholder or the insured;
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G275(4) 201909（改）Non-committal translation
・ Repair expense required necessary for restoration of the rented dwelling unit when the insured vacates to the lessor (Except for the repair expense resulting
from the damage caused by the death of the insured.);・ Repair expense found necessary for restoration of the rented dwelling unit after being vacated by the insured to the lessor. (Except for the repair expense
resulting from the damage caused by the death of the insured.);(The following matters shall apply to the payment of expense for repair of specified facilities, etc. claim.)
・ Loss or damage caused by defect in a washbasin, a bathtub, a toilet bowl or attachments of those, or plate glass attached to the rented dwelling unit;
・ Loss or damage to a washbasin, a bathtub, a toilet bowl or attachments of those, or plate glass attached to the rented dwelling unit caused by wear and tear,deterioration, discoloration, rust, mold, rats or insects and so forth;・ Mere external appearance loss or damage to a washbasin, a bathtub, a toilet bowl or attachments of those, or plate glass attached to the rented dwelling unit
such as grazes, scratches, and removal of paint ,that does not impede the function of the household goods;
・ Loss or damage to bulbs, lamps or CRTs and so forth only or to LCDs, plasma displays, organic electroluminescent displays or other picture display units
only out of a washbasin, a bathtub, a toilet bowl or attachments of those, or plate glass attached to the rented dwelling unit.
(4) Tenants' liability section:
・ Liability for damages arising from destruction of the rented dwelling unit caused by insanity of or directions by the insured;・ Liability for damages arising from destruction of the rented dwelling unit caused by remodeling, extension, demolition or other work. Note that, however,the damage resulting from the work by the insured using his/her own labor shall be excluded;
・ Liability for damages added by special covenant on liability for damages between the insured and the lessor;
・ Liability for damages arising from destruction of the rented dwelling unit found after being vacated by the insured to the lessor.
(5) Personal liability section:
・ Liability for damages directly arising from insured's business;
・ Liability for damages arising from ownership, usage or management of movables or real estate the insured uses for his/her business;
・ Liability for damages to the relatives living together with the insured;・ Liability for damages arising from bodily injury from which an employee (except for a domestic servant) of the insured suffers during his/her duties;
・ Liability for damages added by a special agreement on liability for damages between the insured and a third party;
・ Liability for damages to the person having a title in the properties (including those on consignment) the insured owns, uses or manages;
・ Liability for damages arising from insanity of the insured;・ Liability for damages arising from ownership, use or management of airplanes, vessels, vehicles (except for bicycles) or guns;
・ Liability for damages arising from exhaust (including smoke) or wastes;
・ Liability for damages arising from defect, deterioration or rust of the water supply/drainage pipes, heating and cooling system, humidity adjusters, hydrants,
sprinklers or other facilities and equipment.
Please see the general conditions and special conditions about the cases excluding the above the Company does not pay.
4. Specification of the insured
At the time of the execution of the contract the applicant is requested to specify one person actually living in the rented dwelling unit as "insured" in theapplication form (hereinafter referred to as "the named insured").
Regarding payment of the household goods claims, payment of expense for repair claims, payment of tenants' liability claims and payment of personal liability
claims, the person who is living in the rented dwelling unit with the named insured as the base of daily living is also able to claim as an insured even if he/she is
not the named insured (See Note).
Note: On Personal liability section, regarding claims for incidental accidents occurring in relation to daily living except incidental accidents occurring in relation
to use or management of the rented dwelling unit, the person who is in a position to be able to claim is the relatives of the named insured and is livingwith the named insured.
● To an applicant who is a corporation or a sole proprietor(1) This special contract is applied if a policyholder is either a corporation or a sole proprietor.
The named insured is determined according to written contents in the column of insured person's name on the insurance policy.
a. When a personal name is noted: the person is assumed as a named insured.
b. When a tenant is not specified: the employee or the official who is a present tenant is assumed as a named insured.
c. When a word related to status or attribute of a tenant is noted: a person who is a present tenant and conforms to the noted word is assumed as a named
insured.
(2) According to the regulation of the Insurance Business Act, the Company does not assume any insurance contract in which the number of insured belongs to
one policyholder is exceeding 100.
Therefore the Company shall not assume any insurance contract in case the number of insured regarding the same policyholder exceeds the number of
insured the Act regulates.
5. Insurance period, Renewal, Beginning of the indemnity
The insurance period shall be one or two years.
Provided that the insurance premium is paid prior to the commencement date of the insurance period and the Company accepts the application, theindemnification shall come into force at 0:00 a.m. of the commencement date.
Before the expiry date, the Company shall send the policyholder a written guidance for renewal. In case the policyholder does not give any prior notice to stop
the renewal, the Company shall continue the insurance contract according to the contents described in the guidance aforesaid.
However, except the case where the applicant selects payment of insurance premium settled by account transfer or rental guarantee and the like, the Company
shall not assume responsibility of this insurance contract if the policyholder fails to pay the insurance premium.
6. Insured amount (selection of the pattern of the contract)
The applicant is requested to select the pattern of the contract according to the insured amount of the household goods.
The insured amount of the household goods is the upper limit of the payment for the damage to household goods. If the insured amount of the household
goods is insufficient to the replacement value of the household goods actually existing in the rented dwelling unit, the insured may not possibly secure anadequate payment in case of an accident.
As the Company does not pay any claim exceeding the replacement value, the portion of the insured amount of the household goods exceeding to the
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G275(4) 201909（改）Non-committal translation
replacement value of the household goods actually existing in the rented dwelling unit comes to nothing.
Therefore the applicant is requested to decide the insured amount of the household goods based on the replacement value.
The applicant is requested to refer to the following amount classification based on the area of the rented dwelling unit. Where the actual circumstances isdifferent from the reference value, please decide the insured amount of the household goods according to the actual situation.
Area of the rented dwelling unit

less than 30 ㎡

Replacement value( the reference amount )～ 5,000,000 yen

30 ㎡ and overless than 50 ㎡
2,500,000 yen～ 8,000,000 yen

50 ㎡ and overless than 80 ㎡
3,000,000 yen～ 10,000,000 yen

80 ㎡ and over
5,000,000 yen ～7. Insurance premium and measures to pay it
The applicant has to pay the full of the insurance premium in one lump sum. The Company does not prepare any plan of payment in installments. The
applicant is expected to pay the insurance premium by the way selected at the time of the execution of the contract.
【Payment of insurance premium by account transfer】
In case where the applicant selects payment of insurance premium by account transfer, "Special conditions for account transfer of insurance premium" shallbe applied. In this case please specify the account for account transfer accurately on the application.
The Company shall transfer the insurance premium on 27th (or the next day in case such date is not a business day of the financial institution) of the next
month to which the commencement date of the insurance period belongs. The applicant is requested to prepare the amount exceeding to the amount of theinsurance premium prior to the date of account transfer.
In case the insurance premium does not be transferred, the same action shall be taken again in the following month. Only when there is no willful conduct orgross negligence by the policyholder, the premium payment may be postponed to the end of the succeeding month of the following month aforesaid.
If the policyholder fails to pay the insurance premium by the deadline of the postponement, the insurance contract shall be canceled and the Company shallnot pay any claims.
【Payment of insurance premium by a credit card】
In case where the applicant selects payment of insurance premium by a credit card, "Special conditions for credit card payment of insurance premium" shallbe applied. In this case please specify the card number accurately on the application. At the renewal of the insurance period, the Company shall submit thetransaction of payment of insurance premium to the acquirer 14days before the renewal period comes into force. In case where the credit card is not available,
either the agent or the Company shall notify.
【Payment of insurance premium via a rental guarantee company and the like】"Special conditions for a insurance premium collection by a rental guarantee company and the like " shall be applied.
In this case, there are two choices for the payment of insurance premium; one-time payment and monthly installment payment.
The insurance premium shall be requested via a rental guarantee company and the like on the collection date and the collection method that are agreed
separately between the policy holder and the rental guarantee company.
In case the collection of insurance premium is suspended by the rental guarantee company and the like under some reasons, the unpaid insurance premium
shall be paid at one time according to the guidance of the Company or the insurance contract shall be cancelled.
8. Maturity refund and policy dividendThis insurance contract does not have any maturity refund or policy dividend.
9. Return premium for cancellation
In case the policyholder cancels the insurance contract, the amount calculated according to the formula below shall be refunded by theCompany.
number of months
insurance period
from the commencement date(number of months)
returnto the cancellation date (Note 2)
premium=(insurance premium - 2,000 yen ) ×
insurance
period(numberof months)(Note 1)
Note 1: Initial cost for the contract (cost required for contract execution or the like).
Note 2: The number of days less than one month shall be rounded up to one month in calculation of the number of months.
Note 3: In case "Special conditions for a insurance premium collection by a rental guarantee company and the like " is accompanied and the rental
guarantee company and the like, lent the insurance premium, the Company can pay the rental premium for cancellation to the aforementioned lender.
The calculation formula of the return premium for cancellation is different from the calculation formula written above.
In case the policyholder cancels the insurance contract, he/she is requested to contact information inquiries described at the end of this document. Home
Page of the Company also announces the procedures.

Alert Information
This "Alert Information" announces matters that would be disadvantageous to the applicant/policyholder/insured or other matters that require special
attention among the important provisions of the contract. This does not show all of the contents of the contract.
Please see the general conditions and special conditions for the details.
1. Duty of disclosure (Please pay special attention when executing the contract.）
The following matters described in the application form are the important matters (matters to be disclosed).
The applicant is obliged to disclose the facts regarding to the matters below accurately to the Company when executing the contract.
Please note that if the disclosure about the following matters is different from the truth or the fact is not described in the application form, the Company may
cancel the contract and may refuse the payment of claim.
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G275(4) 201909（改）Non-committal translation[Matters to be disclosed]・ Confirmation that usage of the rented unit is limited to dwelling;・ Location of the rented dwelling unit;
・ Name or title of the policyholder;・ Name of the named insured (the tenant);
・ Date of birth of the named insured (the tenant);
・ The policyholder has other insurance contracts with the Company regarding to the same named insured (the tenant) or not.
2. Scope of Underwriting / The insurance contract the Company shall assume【Scope of Underwriting】(1) This insurance contract is only for the rented dwelling unit.
(2) The Company is in business as a Small Amount and Short Term Insurance Provider enacted in the Insurance Business Act, and does not assume any
insurance contract where the total insured amount for one insured is exceeding 30,000,000 yen calculated based on the following category. (See Note)
1) Other than 2) below
2) Tenants' liability section and Personal liability section
Therefore the number of the insurance contract the Company shall assume for one insured is only one (See Note). In case of moving, however, if theinsured is covered by another insurance contract of the Company regarding the new rented dwelling unit, the second insurance contract is acceptablesubject to attach "Special conditions for the period of moving".
In cases where both the present insurance contract and the new insurance contract are applicable, the amount of the payment based on the new insurance
contract is limited to the amount deducted the amount of the payment based on the present insurance contract from 20,000,000 yen.
After the completion of moving, please cancel the present insurance contract.
Note: In case the policyholder renews the insurance contract or continues the insurance contract the contents of which is similar to the insurance contractconcluded prior to March 31st, 2013, the limitation of the total insured amount for one insured is 50,000,000 yen and the policyholder can executethe second insurance contract.
The Company is in business as a Small Amount and Short Term Insurance Provider registered in the Finance Bureau and provides the insurance contracts thatsatisfy all of the conditions below.
(1) The insurance period is within two years.
(2) The total insured amount for one insured is within the amount the Act regulates.
(3) The total number of the insured under one policyholder is within the number the Act regulates.
3. Matters to be attended after concluding the insurance contract【The procedure in case an accident covered occurs】(1) In the event of occurrence of loss or damage, please report to the Accident receptionist center (toll - free number) described at the end of this document
without delay. The Company accepts the report of the accident on Home Page of the Company as well.
(2) On the occasion of a claim, please provide documents the Company requests as specified below. Please note the Company may request the insured toprovide other necessary documents according to the situation of the accident.
1) Claim form prescribed by the Company:
2) Document proving the occurrence of loss or damage:a. certificate presenting the occurrence of loss or damage issued by public institution (suffering certificate, certificate of the accident, theft report
acceptance number etc.);b. report on the circumstances of the accident (photo and/or image data about the cause and the circumstance of the accident, report made by the repaireretc.);
c. death certificate of the insured (examination report of death body).
3) Document proving the claim amount or the expense amount:a. receipt at the time of acquisition, bought and sold note, drawing, specification, written guarantee etc.;
b. quotation/account/receipt for repair, certificate of financial institution regarding the amount of account etc.
4) Document to ascertain the amount of the compensation, the amount of the expense and the person having the right to claim:a. medical certificate, certificate of physical impediment, death certificate, full statement of payment for medical services, receipt of doctor's fee,certificate of damage by business suspension, statement of earnings, resident's card, copy of family resister, receipt for dispute expense etc.;
b. quotation/account/receipt for repair, receipt at the time of acquisition, document of settlement of accounts, document certifying actual sales before andafter the accident etc.;
c. out-of-court settlement document, credit voucher, document of judicial decision, letter of awareness prescribed by the Company, receipt of the person
having the right to claim etc.
Note: (1) This insurance contract does not provide "out- of- court settlement service", namely, the Company negotiates with the victim instead of the insured.
Be sure to consult with the Company for the negotiation of out- of- court settlement regarding liability claim.
(2) Please note regarding the right to claim the extinctive prescription expires after 3 years. (Article 95 of the Insurance Business Act)
● Statutory LienIn cases where the Company shall indemnify the payment to tenants' liability claim or personal liability claim, the victim of the insurable accident owning theright of the compensation for the damage to the insured obtains the statutory lien on the right of the claim the insured possesses to the Company.
The insured may claim the payment to the extent of the amount the insured has already compensated or the victim acknowledges. Therefore cases where theinsured may claim are limited to the following (1) to (3), except the payment to expense claims.
(1) Cases where the insured has already paid the compensation for the damage to the victim;(2) Cases where the Company is able to ascertain the fact that the victim acknowledges payment to the insured;(3) Cases where the Company pays the claim directly to the victim based on the order of the insured.
【Procedure relating to the moving of the insured】
In cases where the insured specified on the policy moves from the rented dwelling unit designated on the insurance contract to the other rented dwelling unit,
the policyholder is requested to take procedures as per either (1) or (2) below. In this case the policyholder may contact the information inquiries described at
the end of this document. The Home Page of the Company also explains the proper procedures.
(1) Please notify the fact to the Company and designate the new rented dwelling unit as the rented dwelling unit on the insurance contract. The policyholder
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can take this procedure only in the case of the new rented unit being for dwelling use.
Even if the present lease contract still exists during the move, the Company considers the insurable accident occurred at the present rented dwelling unit as
an insurable accident for 30 days after the policyholder changes the rented dwelling unit as designated. (According to "Special conditions to the change ofthe rented dwelling unit")
Note: In case the insurance premium is paid via a rental guarantee company and the like, the policyholder cannot change the rental dwelling units designatedon the insurance contract.
(2) Please cancel this insurance contract.
Note: In case the policyholder is different from the insured and so forth, if the lease contract is continued even after the insured moves, the policyholder may
change the insured specified in the policy without the change of the rented dwelling unit designated.
Please contact the Company if the policyholder requests to change the insured according to the above. (This insurance contract does not be applied to
the new tenant before the completion of the procedure.)【Procedures relating to the changing of the usage of the rented dwelling unit】
In cases where the usage of the rented dwelling unit is changed from “the rented dwelling unit as object of the lease contract” to anything after the conclusionof a contract, the Company shall not continue to assume the insurance contract after the changing because the rented dwelling unit will be out of the scope ofunderwriting of this insurance contract. Please contact the Company to go through the cancellation procedure of this insurance contract.
【Procedures for changing of the policyholder's address etc.】
In cases where the policyholder changes the address after the conclusion of a contract, the policyholder is requested to notify the fact to the Company without
delay. The Company advises the policyholder of the procedure based on the notification.
【Forfeiture of policy】
This insurance contract shall lose its effect at the time of the occurrence of the termination of the lease contract for the rented dwelling unit after the conclusionof a contract, and the Company shall not pay any claim occurring after the fact. Please contact the Company because the policyholder may receive return
premium according to the insurance period remaining after the forfeiture.
【Cooling-off】
Even after the completion of the application, the applicant can use the cooling-off system as follows:(1) Cases where the applicant can apply for cooling-off
The Company shall accept cooling-off notice within 8 days reckoning from the date when the applicant applied for the contract or the date when theapplicant received this document, whichever is later. In case the applicant gives notice to the Company by mail postmarked within the eight-day period, it
will be accepted. However, if the claim payable has already occurred and the applicant applies for cooling-off without knowing it, such application shallnot come into force.
(2) Cooling-off procedure
The applicant is requested to give notice to the Company for the duration of the above period by mail (〒812-0027 Tokio Marine Millea Small-Amount
Short-Term Insurance Co.,Ltd., 7th floor of the Annex to the Meijidori Business Center, 1-3 Shimo-kawabata, Hakata ward, Fukuoka). Please note that theagent to whom the applicant applied for the insurance contract cannot receive the application for cooling-off.
(3) Return of the insurance premium
In case the applicant applies for cooling-off, the Company will return the full amount of the insurance premium the applicant has already paid. However, incase the applicant cancels the contract, he/she may be requested to pay the insurance premium for the period from the commencement date of theinsurance period to the cancellation date of the contract by the day.
Note: The Company or the agent shall not request the applicant to pay any compensation or penalty regarding cooling-off.
(4) Requirements
In case the applicant applies for cooling-off, please write the necessary information as shown below on a postcard and mail it to the Company.
1) Notification to apply for cooling-off to the insurance contract;2) Address, name (signature) and telephone number of the applicant;3) Application date for the contract;4) Policy No. (See Note) or Receipt No.;
5) Name of the agent the applicant contacted.
Note: The applicant can check the Policy No. on the copy of the application form for contract.
【Others】(1) The handling of the insurance contract in case of the bankruptcy of the insurance company and the like1) This insurance contract is not subject to the compensation for transferring to the Insurance Policyholders Protection Corporation. Financial and othersupporting measures by the corporation are not applicable to the Company.
2) In case accidents occur more frequently than we assumed or the profit/loss balance of this business becomes remarkably worse as a result of enormous
disaster or the like, the Company may give a written notice to the policyholder and may take the following measures. In this case, reduced payment ofclaim does not apply to any accident before the notice.
a) Request of additional insurance premium payment;b) Decrease of the insured amount;c) Change of the conditions or the scope of underwriting for the renewal;d) Suspension for the renewal;e) Reduced payment of claim.
(2) The policyholder may withdraw the excess portion of the insured amount of the household goods decided at the time of the execution of the contract if it isexceeding the replacement value. In case where the replacement value of the household goods remarkably reduces after concluding the insurance
contract, the policyholder may request to decrease the insured amount of the household goods (change to the pattern of lower insured amount of thehousehold goods)(3) The Company cedes the part where the claim paid or payable exceeds 10,000,000 yen per accident to the other companies selected. Regarding the detailsof the reinsurance companies, please refer to Home Page of the Company.
(4) Please receive a premium receipt prescribed by the Company in cases where the policyholder pays the premium by cash.
(5) Please check the contents of the insurance policy the Company shall issue in proof of the conclusion of the contract and send to the policyholder by mail.
In cases where the policyholder selects "omission of the issuance of the policy (confirmation of the contract on the web)" at the time of the execution of
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the contract, the Company does not issue the insurance policy.
(6) In cases where the policyholder selects "omission of the issuance of the policy (confirmation of the contract on the web)", he/she can ascertain the contentsof the insurance contract on "Page for exclusive use of the policyholder" of Home Page of the Company. Even if the policyholder selects "omission of theissuance of the policy (confirmation of the contract on the web)", he/she may request to issue the insurance policy afterwards. In this case please contact
information inquiries of the Company. Please note that after the Company issues the insurance policy, the policyholder can no longer ascertain thecontents of the insurance contract on "Page for exclusive use of the policyholder" of Home Page of the Company.
HP http://www.tmssi.co.jp (when the policyholder uses "Page for exclusive use the policyholder", he/she is requested to input his/her mail-address forinternet.)(7) The Company does not provide an earthquake insurance contract. The earthquake premium subtraction does not be applied to the premium of thisinsurance contract.
(8) The agent serves as an agent to execute insurance contracts, to receive insurance premiums, to issue cover notes, and to maintain insurance contracts or the
like under the service agreement with the Company. Therefore, an insurance contract that becomes effective with the agent is deemed to be an insurance
contract directly executed with the Company.

Handling of Personal Information

We, Tokio Marine Millea SAST Insurance Co., Ltd. and Tokio Marine’s group companies* may use personal information related to the contract (including thedata obtained in the past) for the purposes as follows: decide whether or not to assume an insurance contract; manage or execute the contract; provide additional
services; introduce or provide various products and services of other insurances or financial products or the like; conduct a questionnaire. We may also use orprovide such personal information for the purpose of (1) to (4) below.
(1) The purpose of using particular private information (sensitive information) such as health care is limited to use for ensuring appropriate management ofbusiness or otherwise use within a range recognized to be necessary in accordance with Ordinance for Enforcement of the Insurance Business Act;
(2) To provide personal information to subcontractors (including insurance agents) , insurance brokers, medical institutions, business partners handling claim andpayment of insurance, and financial institutions or the like within a range required for fulfilling the purpose of using personal information related to thecontract;(3) To use personal information together with other insurance companies, small-amount short-term insurance companies, or The Small Amount & Short Term
Insurance Association of Japan or the like to use as a reference for judging execution of a contract, changing conditions of a contract, payment of insurance or
the like;(4) To use personal information together among us and Tokio Marine group companies, or among us and our business partners or the like in order to provide or
introduce products and services;(5) To provide personal information to reinsurance companies or the like in order to use the information for execution, renewal, maintenance, and managementof reinsurance contract, and payment of reinsurance claim.
＊Tokio Marine’s group companies mean Tokio Marine Millea SAST Insurance Co., Ltd., Tokio Marine West SAST Insurance Co., Ltd., Tokio Marine &Nichido Fire Insurance Co., Ltd., Nissin Fire & Marine Insurance Co., Ltd., Tokio Marine & Nichido Life Insurance Co., Ltd., Tokio Marine & Nichido
Financial Life Insurance Co., Ltd., and the other companies affiliated to Tokio Marine Holdings, Inc. and their subsidiary companies.Please refer to our Home
Page regarding to our Handling of Personal Information.

Special conditions for including the lessor as an insured
By this special condition, when insured die, the lessor of the rented dwelling unit shall be included in a insured of receiving insurance if the heir does notdischarge insured`s duty such as liquidating the belongings of the insured and repairing a rented dwelling unit. (See Note)(Note: This condition is applied to the contract that is concluded after October 1st, 2014.)

Co-insurance
The insurers of this policy are Tokio Marine Millea Small Amount and Short Term Insurance Co., Ltd. and Tokio Marine West Small Amount and ShortTerm Insurance Co., Ltd. However, Tokio Marine Millea Small Amount and Short Term Insurance Co., Ltd. solo insures in some cases. See the insurance
policy (or the substitute means such as web screen) to confirm insurer. When both Tokio Marine Millea Small Amount and Short Term Insurance Co., Ltd.
and Tokio Marine West Small Amount and Short Term Insurance Co., Ltd. are insurers, these companies independently bear responsibility for indemnity, andthe proportion of responsibility of each company is 50%. Leading insurance company is responsible for administering aspects of insurance policy, such as
premium, claims and insurance documents.

Additional Service
For insured living in rented dwelling units, GENBA KYUKO(emergency works in case of water leak, lockout, glasses broken, etc.) service and MURYOIRYOU SODAN(medical consultation for free) service are available. For further information, please see the fliers.

Overlapping of Coverage
This insurance policy partly overlaps another insurance policy shown below in coverage.
Coverage in this insurance policy
Example for another insurance policy
Personal liability claims
Special conditions of automobile insurance(accidents occurring in relation to daily living)Special conditions of accident insurance
When in this insurance policy and another insurance policy the Company and another insurance company are responsible for indemnity of the same damage,
the Company and another insurance company shall not pay over the amount of damage.

Information Exchange
The Company shall exchange the information of insurance contract with another insurance company or association of insurance companies such as
Nihon-Shogakutankihokenkyokai, to pay appropriately, to decide cancellation of insurance contract or to use for similar operations. See the homepage of
Nihon-Shogakutankihokenkyokai (http://www.shougakutanki.jp/),to know the name of the companies which participate in this system of informationexchange.
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Interpretation of Terms
Policyholder
InsuredGeneral conditions
Special conditions
Replacement value
Precious metals, jewelry,work of art and so forth
Cancellation
Statutory lien
Cooling-off

The person concerned (the person to pay the insurance premium), and he/she possesses the various rights andobligations on the insurance contract such as cancellation of it.
The person to receive the insurance benefit.
The provision to determine the insurance contents such as basic compensation.
The provision to change, add or deduct the insurance contents stipulated in the general conditions.
The amount for acquiring a new item of the same quality, usage, scale, shape, capacity of a householdproperty insured.
Precious metals, watches, cameras, musical instruments, bags, precious stones and jewelry, paintings,
antiques, sculptures and other work of art.
The decision to end the effect of the insurance.
The victim's right to receive the compensation to claim from the insurance benefit prior to the other creditors.
The deed to withdraw or cancel the application of the contract.

【Accident Receptionist Center】
Tokio Marine Millea SAST Insurance Co., Ltd. 0120-811-333 (toll - free number)
Tokio Marine West SAST Insurance Co., Ltd. 0120-018-505 (toll - free number)
Reception hours: any time
The Company performs business of initial response to accidents etc. excepting reception within the hours below.
Operating hours: Every weekday 9:30 to 17:00, excluding Saturday, Sunday, holidays, and 30th Dec. to 3rd Jan.
The Company accepts the report of the accident on HP as well.

【Customer's Desk for complaints or requests regarding our insurance】
Tokio Marine Millea SAST Insurance Co., Ltd. 0120-670-055 (toll - free number)
Tokio Marine West SAST Insurance Co., Ltd. 0120-004-593 (toll - free number)Operating hours: Every weekday 9:30 to 17:00, excluding Saturday, Sunday, holidays, and 30th Dec. to 3rd Jan.
HP of the Company announces the procedures as well..

【Inquiry in respect of the contents of the insurance contract】
Tokio Marine Millea SAST Insurance Co., Ltd. 0120-670-055 (toll - free number)
Tokio Marine West SAST Insurance Co., Ltd. 0120-004-593 (toll - free number)Operating hours: Every weekday 9:30 to 17:00, excluding Saturday, Sunday, holidays, and 30th Dec. to 3rd Jan.
HP of the Company announces the procedures as well..

【Designated Dispute Resolution Organization】"Shougaku Tanki Hoken Soudan-shitsu (Consulting Office for Small Amount and Short Term Insurance)"established by the Small Amount & Short Term Insurance Association of Japan.
The Company has concluded a Basic Agreement to Implement Procedures with the Small Amount & Short Term
Insurance Association of Japan designated as the Designated Dispute Resolution Organization by theCommissioner of Financial Services Agency based on the Insurance Business Act.
In case a problem cannot be solved between a person concerned and the Company, he/she can propose to thespecified organization above.
0120-821-144 (toll - free number)Operating hours: Every weekday 9:00 to 12:00, 13:00 to 17:00, not available on holidays and 29th Dec. to 4th Jan.

Tokio Marine Millea SAST Insurance Co., Ltd.
Minatomirai Landmark Tower 35F , Nishi-ku Yokohama-shi, Kanagawa, 220-8135, JapanHP https://www.tmssi.co.jp/

Tokio Marine West SAST Insurance Co., Ltd.
Shin-Osaka front Bld. 11F, 4-1-9, Miyahara, Yodogawa-ku Osaka-shi, Osaka, 532-0003, JapanHP https://www.twssi.co.jp/

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