Revision to the Customer Agreements on PowerFlex
Customer Agreements on PowerFlex will revised as follows on Friday, November 17, 2023.
◼ Targets agreements:
・Common Customer Agreement on PowerFlex Transaction
・Customer Agreement on Foreign Currency Deposit for PowerFlex Account・Customer Agreement on Financial Instruments Brokerage Services (SBI SECURITIES Co., Ltd.）・Customer Agreement on Financial Instruments Brokerage Services (Monex, Inc.)
・Customer Agreement on PowerCall for PowerFlex Account・Customer Agreement on PowerDirect
・Handling of Personal Information of Individual Customers■ Revises parts are colored in red
Common Customer Agreement on PowerFlex Transaction（P．１）
Before revision
3. Handling of the Existing Accounts
If a customer with a comprehensive securities investment trust account or any
other existing account applies for the transfer of matters relating to such existingaccounts to this Transaction and the Bank approves such application, the Bank
shall deem that the relevant customer had agreed to the transfer to thisTransaction. In such an event, the registered seal or signature specimen and theapplicable customer agreements in connection with the existing account(s) shallno longer be effective prospectively.

After revision
3. Handling of the Existing Accounts
If a customer having an account transferrable to this Transaction applies for
migration to this Transaction, and the Bank approves the application, the Bank
shall deem that the customer had agreed to the transfer to this Transaction. In
such an event, the registered seal or signature specimen and the applicable
customer agreements in connection with the existing account(s) shall no longer be
effective prospectively.

6. Monthly Statement
6. Monthly Statement(1)～(7) (Omitted)(1)～(7) (No change)(8) The written Monthly Statement may double as a transaction balance report of (8) (Deleted）
securities investment trusts.
9. Prohibition of Assignment and Pledging

9. Prohibition of Assignment and Pledging
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(1) You may not assign, pledge or create a third party's right on, or permit or causea third party to use, the following items or interests:(i) Deposits and beneficiary certificates for securities investment trust in depositwith the Bank, and any and all other rights under this Transaction;(ii) The Card and the Security Card issued by the Bank; and(iii) Rights of senders under transactions of funds transfer (to deposit accountsof recipients maintained with the head offices or branches in Japan of the Bankor other financial institutions and those to postal savings accounts), which are
represented by receipts of funds transferred or acknowledgements of funds
transfer containing requests of senders.
(iv) Your telephone number and One-time Password registered with the Bank
(2)

(Omitted)(1) You may not assign, pledge or create a third party's right on, or permit or causea third party to use, the following items or interests:(i) Deposits with the Bank and any and all other rights under this Transaction;(ii) Cards issued by the Bank(iii) Rights of senders under transactions of funds transfer (to deposit accounts ofrecipients at the Bank or other financial institutions and under account transfer, etc.
of recipients’ accounts at securities companies.

(iv) Your telephone number and One-time Password registered with the Bank andothers designated by the Bank
(2) (No change)

10. Cancellation
10. Cancellation(1)～(3) （Omitted）(1)～(3) （No change）(4) If the PowerFlex account is not used for a designated period and term (4) The Bank may suspend this Transaction if your PowerFlex account is not used
deposits, structured deposits and investment trusts have no balance, the Bank for a certain period designated by the Bank and if the products designated by the
may suspend the Transaction. Furthermore, if the balance of the products Bank such as term deposits and structured deposits have no balance. Furthermore,designated by the Bank such as ordinary deposits does not exceed the amount if the balance of the products designated by the Bank such as ordinary deposits
designated by the Bank, the Bank may cancel the PowerFlex account upon does not exceed the amount designated by the Bank, the Bank may cancel thegiving the relevant customers notice thereof. The same shall apply when the PowerFlex account upon giving the relevant customers notice thereof. The same
Bank does so pursuant to applicable laws or ordinances.
shall apply when the Bank does so pursuant to applicable laws or ordinances.
(5)～(8) （Omitted）(5)～(8) （No change）
17. English Translations
English translations of application forms, request forms, notifications and otherdocuments, and regulations and rules in Japanese with respect to this Transaction
may be accompanied or attached hereto. English translations and English texts
are for reference purpose only, and the documents in the Japanese language shallbe the definitive version. In the event of any differences between the provisions inJapanese and those in English, the Japanese version shall prevail in all respects.

17. English Translations
English translations of application forms, request forms, notifications and otherdocuments, and regulations and rules in Japanese with respect to this Transaction
may be accompanied or attached hereto. English translations and English texts
are for reference purpose only, and the documents in the Japanese language shallbe the definitive version. In the event of any differences between the provisions inJapanese and those in English, the Japanese version shall prevail in all respects.

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※ As a result of the abolition of security cards effective August 27, 2023, (Deleted）
descriptions about security cards in this Agreement shall no longer beapplicable on and after August 27, 2023.
END

Customer Agreement on Foreign Currency Deposit for PowerFlex Account（P．13）
Before revision
After revision
II. [Foreign Currency Savings Deposit
II. [Foreign Currency Savings Deposit
4. Withdrawals
4. Withdrawals(1)~(2) （Omitted）(1)~(2) （No change）(3) The Bank shall pay the amount so withdrawn in any of the following methods (3) The Bank shall pay the amount so withdrawn in any of the following methods
as designated by the customer:
as designated by the customer:(i) Cash in Japanese Yen;(i) Cash in Japanese Yen;(ii) Funds transfer to the yen savings deposit account or foreign currency time(ii) Funds transfer to the yen savings deposit account or foreign currency time
deposit account of the same currency in the PowerFlex Account of suchdeposit account of the same currency in the PowerFlex Account of suchcustomer;customer;(iii) Funds transfer to the savings deposit account of another foreign currency(iii) Funds transfer to the savings deposit account of another foreign currency
eligible for cross currency transactions in the PowerFlex Account of such
eligible for cross currency transactions in the PowerFlex Account of suchcustomer, if the currency of the amount so withdrawn is eligible for crosscustomer, if the currency of the amount so withdrawn is eligible for crosscurrency transaction;
currency transaction;(iv) Remittance to an account at a domestic or overseas financial institution(iv) Remittance to an account at a domestic or overseas financial institution(limited to the currencies designated by the Bank) ; or(limited to the currencies designated by the Bank) ; or(v) Other methods designated by the Bank(v) Funds transfer to your account at a securities company (limited to the currencies
designated by the Bank)(vi) (New)(vi) Other methods designated by the Bank
END

Customer Agreement on Financial Instruments Brokerage Services (SBI SECURITIES Co., Ltd.) (P.16)
Before revision
After revision
7. Products to be Handled, Accepting Hours, etc.
7. Products to be Handled, Accepting Hours, etc.
(1) The Bank only handles the Instruments Subject to Brokerage entrusted by theAffiliated Securities Company. The Instruments Subject to Brokerage, services, (1) The Bank only handles the Instruments Subject to Brokerage and services
the fee schedule and reception hours may differ by the Bank’s sales channels.
entrusted by the Affiliated Securities Company. The Instruments Subject to3／10
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Brokerage, services, the fee schedule and reception hours may differ by the
Bank’s sales channels.
(2)~(3) （No change）(2)~(3) （Omitted）

END

Customer Agreement on Financial Instruments Brokerage Services (Monex, Inc.) (P.18)
Before revision
After revision
7. Products to be Handled, Accepting Hours, etc.
7. Products to be Handled, Accepting Hours, etc.
(1) The Bank only handles the Instruments Subject to Brokerage entrusted by the (1) The Bank only handles the Instruments Subject to Brokerage and services
Affiliated Securities Company. The Instruments Subject to Brokerage, services, entrusted by the Affiliated Securities Company. The Instruments Subject tothe fee schedule and reception hours may differ by the Bank’s sales channels.
Brokerage, services, the fee schedule and reception hours may differ by the
Bank’s sales channels.
(2)~(3) （Omitted）(2)~(3) （No change）
END

Customer Agreement on PowerCall for PowerFlex Account（P．20）
Before revision

After revision

I. General Service
I. General Service
1. Details of the Service
1. Details of the Service(1)～(6) （Omitted）(1)～(6) （No change）(7) Acceptance of Loss Notice, Reissuance Service(7) Acceptance of Loss Notice, Reissuance Service
If User has lost his/her cash card, registered seal or security card, the Bank will If User has lost his/her cash card or registered seal, the Bank will accept a loss
accept a loss notice based on a request from the User. The Bank will also accept notice based on a reuest from the User. The Bank will also accept requests forrequests for changing the User’s registered seal or issuing a new cash card.
changing the User’s registered seal or issuing a new cash card.
III. Financial instruments Brokerage Services (Monex, Inc.)
3. Mutatis Mutandis Application of the Provisions of Other Customer
Agreements
Any matters concerning PowerCall (III. Financial Instruments Brokerage Services)which are not set forth in this Customer Agreement, shall be handled inaccordance with “I. General Services” hereof and the “Customer Agreement on
Financial Instruments Brokerage Services (Monex, Inc.)”.

III. Financial instruments Brokerage Services (Monex, Inc.)
3. Mutatis Mutandis Application of the Provisions of Other Customer
Agreements
Any matters concerning PowerCall (III. Financial Instruments Brokerage Services)which are not set forth in this Customer Agreement, shall be handled inaccordance with “I. General Services” hereof and the “Customer Agreement on
Financial Instruments Brokerage Services (Monex, Inc.)”.

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※ As a result of the abolition of security cards effective August 27, 2023,
descriptions about security cards in this Agreement shall no longer beapplicable on and after August 27, 2023.

(Deleted）

END

Customer Agreement on PowerDirect（P.26）
Before revision

After revision

8. Identity Confirmation
8. Identity Confirmation(1) When logging in to the Service, the User is required to enter a 10-digit number (1) When logging in to the Service, the User is required to enter a 10-digit number
consisting of the 3-digit branch code and the 7-digit account number (hereinafter, consisting of the 3-digit branch code and the 7-digit account number (hereinafter,the "Account Number") and the PowerDirect Password on the PowerDirect the "Account Number") and the PowerDirect Password on the PowerDirect
screen using a computer terminal. When the Bank confirms the entered Account screen using a computer terminal. When the Bank confirms the entered AccountNumber and the PowerDirect Password to be correct, the Bank will deem that Number and the PowerDirect Password to be correct, the Bank will deem thatthe individual who has entered those numbers or letters is the User him/herself the individual who has entered those numbers or letters is the User him/herself
and shall provide the Service and effect transactions. Depending on the types of and shall provide the Service and effect transactions. Depending on the types of
the Service or transactions, entering of prescribed information such as the PIN, the Service or transactions, entering of prescribed information such as PIN,
the registered cellphone number (meaning the cellphone number registered in registered cell phone number (meaning the cell phone number registered inadvance through the method prescribed by the Bank; the same shall apply advance through the method prescribed by the Bank; the same shall apply
hereinafter) , the date of birth, One-time Password or letters or figures designated hereinafter), date of birth and One-time Password and additional identity
by the Bank at each login on the back side of the Security Card issued by the confirmation designated separately by the Bank may be required for using the
Bank when opening an account and registered by the User (hereinafter, the Service or transactions.
“Security Card Value”) and additional identity confirmation designated separatelyby the Bank may be required for using the Service or transactions.
(2) If the Bank provides the Service after confirming that the Account Number, thePower Direct Password, PIN, registered cellphone number, date of birth, Onetime Password and the Security Card Value, etc. entered in the computer by themethod designated by the Bank match the Account Number, the Power Direct
Password, PIN, registered cellphone number, date of birth, One-time Password
and the Security Card Value, etc. registered with the Bank, the Bank shall not beheld liable for any damages caused by their unauthorized use or other incidents.
The Power Direct Password, PIN, One-time Password and Security Card should
be strictly maintained confidential at the responsibility of the User and handled(2) If the Bank provides the Service after confirming that the Account Number, thePower Direct Password, PIN, registered cellphone number, date of birth and Onetime Password, etc. entered by a computer terminal through the method
designated by the Bank match the Account Number, the Power Direct Password,
PIN, registered cellphone number, date of birth and One-time Password, etc.
registered with the Bank, the Bank shall not be held liable for any damages
caused by their unauthorized use or other incidents. The Power Direct Password,
PIN and One-time Password should be strictly maintained confidential at the
responsibility of the User and handled carefully to avoid disclosure, loss or theft.

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carefully to avoid disclosure, loss or theft. If the User suspects any theft of thePower Direct Password, PIN, One-time Password or Security Card, please
immediately contact the call center, to which you will be connected via thetelephone number designated by the Bank as "PowerCall" (hereinafter referred
to as the "Bank Contact Center").

If the User suspects any theft of the Power Direct Password, PIN or One-time
Password, please immediately contact the call center, to which you will beconnected via the telephone number designated by the Bank as "PowerCall"(hereinafter referred to as the "Bank Contact Center").

(3) If an incorrect Power Direct Password, PIN, registered cellphone number, date (3) If an incorrect Power Direct Password, PIN, registered cellphone number, dateof birth, One-time Password or Security Card Value is entered for a prescribed of birth or One-time Password is entered for a prescribed number of times, all or
number of times, all or part of the Service shall be suspended. In order to re- part of the Service shall be suspended. In order to re-commence the suspended
commence the suspended Service, please conduct the necessary procedures to Service, please conduct the necessary procedures to release the suspension, or
release the suspension, or to change your Power Direct Password or PIN. Please to change your Power Direct Password or PIN.
also note that authentication with the Security Card will not be available if anincorrect Security Card Value is entered for a prescribed number of times
consecutively.
(4)～(5) （Omitted）(4)～(5) （No change）
9. Management of your Security Card, telephone number registered with the 9. Management of your telephone number registered with the Bank, cellBank, cell phone having the telephone number registered with the Bank and phone having the telephone number registered with the Bank and One-time
One-time Password
Password(1) Please store your Security Card, telephone number registered with the Bank, (1) Please store your telephone number registered with the Bank, cell phone
cell phone having the telephone number registered with the Bank and Onetime having the telephone number registered with the Bank and Onetime Password in
Password in a safe place so that they will not be used by others. If there is a a safe place so that they will not be used by others. If there is a possibility ofpossibility of unauthorized use of your Security Card, telephone number unauthorized use of your telephone number registered with the Bank, cell phoneregistered with the Bank, cell phone having the telephone number registered with having the telephone number registered with the Bank and One-time Password
the Bank and One-time Password lost or stolen by others, please notify the Bank lost or stolen by others or if such unauthorized use has been detected, please
immediately by for example contacting the Bank’s Contact Center. Once notified, notify the Bank immediately by for example contacting the Bank’s Contact Center.
the Bank will immediately take measures including suspension of withdrawals of Once notified, the Bank will immediately take measures including suspension of
the Savings Deposit as stipulated in Paragraph (2) of Article 8 of the PowerFlex withdrawals of the Savings Deposit as stipulated in Paragraph (2) of Article 8 ofCustomer Agreement.
the PowerFlex Customer Agreement.
(2) Please inform the Bank as stipulated in Paragraph (1) if your Security Card,
telephone number registered with the Bank, cell phone having the telephone
number registered with the Bank or One-time Password has been stolen.

(2) Please inform the Bank as stipulated in Paragraph (1) if your telephone
number registered with the Bank, cell phone having the telephone number
registered with the Bank or One-time Password has been stolen.

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10. Unauthorized withdrawal using a stolen Security Card, telephone
number registered with the Bank, cell phone having the telephone number
registered with the Bank and One-time Password
The Bank shall make no indemnification for any damage arising from unauthorized
withdrawals using a stolen Security Card, telephone number registered with theBank, cell phone having the telephone number registered with the Bank and Onetime Password. Please take extra care in managing your Security Card, telephone
number registered with the Bank, cell phone having the telephone number
registered with the Bank and One-time Password.

10. Unauthorized withdrawal using a stolen telephone number registeredwith the Bank, cell phone having the telephone number registered with the
Bank and One-time Password
The Bank shall make no indemnification for any damage arising from unauthorized
withdrawals using a stolen telephone number registered with the Bank, cell phonehaving the telephone number registered with the Bank and One-time Password.
Please take extra care in managing your telephone number registered with theBank, cell phone having the telephone number registered with the Bank and Onetime Password.

18. Termination(1) If the User Account is closed, the Service shall also be deemed to be canceled.
In this case, the User is requested to discard the Security Card by him/herself
forthwith.
(2) (Omitted)(3) In the case of any of the following, use of the Service may be suspended. Suchsuspension shall be lifted when the relevant User presents the identification
documents designated by the Bank at the counter of the Bank and the Bank
verifies the identity of the User.
(i) When the Security Card is assigned, pledged, or lent(ii) When the Bank judges that there is a possibility of unauthorized use of the
Customer’s stolen, theft, or lost Security Card.

18. Termination(1) If the User Account is closed, the Service shall also be deemed to be canceled.

(2) （No change）(3) (Deleted）

20. Mutatis Mutandis Application of the Provisions of Other Customer Agreements 20. Mutatis Mutandis Application of the Provisions of Other Customer Agreements（6）Matters related to COTRA Remittance Transactions that are not stipulated in （6）Matters related to COTRA Remittance Transactions that are not stipulated inthis Agreement shall be handled the Bank’s Customer Agreement on COTRA this Agreement shall be handled the Bank’s Customer Agreement on COTRA
Remittance Transactions.
Remittance Transactions.
※ As a result of the abolition of security cards effective August 27, 2023, (Deleted）
descriptions about security cards in this Agreement shall no longer be applicableon and after August 27, 2023.
END

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Handling of Personal Information of Individual Customers（P.48）
Before revision(New)

After revision
Sharing Personal Data with Nissen Credit Service Co., Ltd. and its Group
Companies
Aiming to become a financial group that is truly needed by our customers, the SBI
Shinsei Bank Group will share customer personal data with Nissen Credit Service Co.,
Ltd. and its group member companies as follows in order to strengthen collaboration
between the companies and offer products and services with more added values toour customers.
We will build a proper management system for sharing the data so that we will notcause any inconvenience to our customers. If there is any restriction by related laws
and regulations such as the Financial Instruments and Exchange Act, we will handle
the data by complying with such laws and regulations.
1. Personal data items to be shared•Name, address, telephone number, date of birth, gender, email address, annual
income, employment, family information, residence status, date of application for themembership, card issuance date, terms and conditions, type and credit limit of thecontract, transaction information such as dates, details, amount and balance, method
and status of payment, information of the financial institution for the account transfer,method of customer identification, type, code and number of customer identification
documents, public information available in the official gazette and telephone
directories, assets, income, expenditures, information submitted at the time of applying
for membership including opinions and requests, income of the spouse and otheritems agreed between joint users (excluding credit information and personal
information requiring consideration)•Results, etc. of the Bank's sales activities (e.g., prospects of contract application,customer status, the aforementioned information provided by customers and customer
complaints, etc. against the Bank's sales information accepted by the joint users) andother items agreed between joint users
2. Scope of joint users•SBI Shinsei Bank, Limited, Nissen Credit Service, Co., Ltd. and parent companies,
subsidiaries, affiliates and other related companies of the two companies
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•Subsidiaries of the parent companies or subsidiaries of the affiliates and other relatedcompanies having concluded a business partnership agreement related to the cardloan business or the financial instruments sales business with the Bank
List of partner companies (updated when needed):
SBI Shinsei Bank, Limited
Nissen Credit Service, Co., Ltd.
3. Purposes of use• Conducting sales activities for the products and services provided by the SBI Shinsei
Bank Group including sending advertisements and other printed materials anddeveloping and studying markets and new products and services related to thebusiness partnerships with the Group and the joint users･ Analyzing the shared personal data to improve the efficiency of the sales activities
and to calculate contractable amount to be quoted to customers (pre-screening) andenhance the accuracy of the calculation• Conducting market research and developing and studying new products andservices including a) contract management by the joint users (e.g., credit decision,accounting, contracting, contract renewal, customer notification and payment tocustomers), b) contracting and c) provision of supplementary services (e.g., point
granting service for members, delivery of campaign gifts and post-contracting services)
4. Person responsible for managing personal data
SBI Shinsei Bank, Limited
https://www.sbishinseibank.co.jp
5. Others
a. Method of sharing
The personal data will be shared through data transfer and use of media such as CDROM.
b. Suspension of the sharing
Please contact the following number if you wish us to stop sharing your personal datafor proposing or introducing products and services to you, or if you have any inquiries
related to the data sharing with Nissen Credit Service, Co., Ltd.
SBI Shinsei Bank Consumer Finance Division
Customer Relationship Department (Customer Consulting Office) Call: 0120-456-240
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END

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