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 themeaning of any part of this document, the meaning as contained in the Japanese shall be conclusive.

Explanatory Leaflet of Material Facts Related to "Oheya No Hoken Wide II (comprehensive insurance forhousing life)"(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 or Tokio Marine West Small Amount and Short Term Insurance Co., Ltd. (hereinafter referred to as "the Company").
"Oheya No Hoken Wide II" (comprehensive insurance for housing life) is a fire insurance that can cover risks pertaining to rental
housing, etc.
Damages eligible for payment of insurance claims with "Oheya No Hoken Wide II" (comprehensive insurance for housing life)
Household good section
・Damages of household goods inside rental unit
・Expenses associated with insurance claims for household goods
Disaster repair expense, etc.
・Repair expense for rental unit due to a disaster, etc.
section・Recurrence prevention expense for repairing water pipes due to freezing
・Expense for replacing door locks in cases of stolen keys
Repair expense in the death・Repair expense in cases where the insured dies inside his/her rental unit
section・Relics sorting cost due to death of the insured
Tenants' liability section
・Liability for damages due to damage of rental unit
Personal liability section
・Liability for damages due to bodily injury to third parties or property damage

Matters to be paid special attention when concluding the contract
1. Scope of underwriting(1) As a small amount and short-term insurer under the Insurance Business Act, the Company cannot accept contracts where the cost of
insurance amount per insured exceed 10,000,000 yen (See Note) for each of the following categories below. We also cannot accept morethan 100 contracts signed by the same policyholder.
1) Other than 2) below
2) Tenants' liability section and Personal liability section
Note: Regarding co-insurance contract, we cannot accept contracts where the insurance amount with the underwriting ratio exceed
10,000,000 yen.
(2) This insurance can be underwritten limited to rental housing for residential purpose (including units inside paid nursing homes with
exclusive right to use). The number of contracts that can be underwritten by the same insured is limited to 1, as stated above in (1).
In case of moving, however, if the insured is covered by another insurance contract underwritten by the Company regarding the newrental unit, the second insurance contract is acceptable subject 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.

2. Insurance premium and measures to pay it【Payment of insurance premium by account transfer】
The applicant has to pay the full of the insurance premium in one lump sum. The Company does not prepare any plan of payment ininstallments.
In case where the applicant selects payment of insurance premium by account transfer, "Special conditions for account transfer of
insurance premium" shall be 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 theamount exceeding to the amount of the insurance 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 nowillful conduct or gross 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 andthe Company shall not pay any claims.
【Payment of insurance premium by a credit card】
The applicant has to pay the full of the insurance premium in one lump sum. The Company does not prepare any plan of payment ininstallments.
In case where the applicant selects payment of insurance premium by a credit card, "Special conditions for credit card payment of
insurance premium" shall be applied. In this case please specify the card number accurately on the application. At the renewal of theinsurance period, the Company shall submit the transaction of payment of insurance premium to the acquirer 14days before the renewal
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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 rent guarantee company and the like】"Special conditions for a insurance premium collection by a rent 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 rent guarantee company and the like on the collection date and the collection method thatare agreed separately between the policy holder and the rent guarantee company.
In case the collection of insurance premium is suspended by the rent 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.
3. Notification Obligation
The following matters described in the application form are the important matters (notification items).
The applicant is obliged to notify the facts regarding to the matters below accurately to the Company when concluding the contract.
Please note that if the notification 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.
[Notification Items]
・Rental unit must be used for residential purpose under the lease contract (including units inside paid nursing homes with exclusive rightto use)・Location of the rental 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.

Matters to be decided in concluding the contract
In concluding the contract, please confirm that the contents 1 to 3 below is in accordance with contractor’s intention.
1. 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 theapplication, the indemnification 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 rent guarantee and thelike, the Company shall not assume responsibility of this insurance contract if the policyholder fails to pay the insurance premium.
2. Specification of the insured“Insured” means a person entitled to insurance coverage. At the time of the conclusion of the contract the applicant is requested to specify
one person actually living in the rental unit as "insured" in the application 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 andpayment of personal liability claims, the person who is living in the rental unit with the named insured as the base of daily living is alsoable to claim as an insured even if he/she is not the named insured.
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 rental unit, the person who is in a position to be able to claim is the relatives of thenamed insured and is living with the named insured.
The Company may settle and pay repair expense at the time of death or expense for organizing belongings of the deceased, up to theamount of insurance claims that the company is obligated to pay, to the lender (owner) in place of the insured in cases where the insured
dies and cannot repair or move out of the rental unit due to reasons, such as no successor.
●To an applicant who is a corporation or a sole proprietor(1) “Special conditions for insured persons of corporate contracts” 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 theinsurance policy.
a. When a personal name is noted: the person is assumed as a named insured.
b. 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 underwrite more than 100 policies for thesame policyholder.
Therefore the Company shall not assume any insurance contract in case the number of insurance contracts regarding the same
policyholder exceeds the number of insurance contracts the Act regulates.
3. Selection of insured amount (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 rental unit, the insured may
not possibly secure an adequate 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 replacement value of the household goods actually existing in the rental 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 rental unit. Where the actual
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circumstances is different from the reference value, please decide the insured amount of the household goods according to the actual
situation.
Area of the rental 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 ～Payment of claims
1. Household goods section
This insurance indemnifies the insured for physical damage to household goods that are owned by the insured (See Note), plus various
expenses accompanying to the damages. Payments to claim are as follows.
Note: Rented welfare equipment (nursing beds, walkers, etc.) inside rental unit shall also be indemnified as household goods in cases
where the rental unit is located inside an elderly housing with supportive service or a paid nursing home. The Company shall also
indemnify household goods that are brought out from the rental unit to another place within the premise of the building in which the rental
unit is located.
(1) Payment of household goods claims
Cases where the Company shall pay
This insurance indemnifies the insured for physicaldamage to household 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 towater supply and drainage equipment or occurring withrespect to rooms possessed or rented by any other person
other than the insured;
Disturbance, group action, violent or destructive action
incidental to labor dispute and the like;
Theft; Flood disaster(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 of loss 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 of household
goods is not less than 200,000 yen, the copayment
shall not be applied.
Note 2: Payment of insurance claims for household goods
is limited to cases where the rental unit is damaged
from flooding on the floor, or the rental unit or thebuilding in which the rental unit is located is halfdamaged or more.
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.
(2) Payment of extra accommodation expense claims
Cases where the Company shall pay
In cases where the above-mentioned insurance claims forhousehold goods is paid, the Company shall pay extra
accommodation expense in accordance with accidents
stipulated in company regulation if the building in which
the rental unit is located is damaged, where the insured
can’t live in the rental unit and has no other choice but totemporarily stay at a paid accommodation facility as aresult of electricity/gas outage or the drainage
facility/passage for everyday use is out of service.

Amount the Company shall pay
The Company shall pay the amount of loss or damage
calculated based on the replacement value, but notexceeding the insured amount of the household goods.
However the Company has the right to limit payment ofhousehold goods claims depending on the nature of theaccident 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 daily living, up to 2,000,000 yen per accident;c) In case of precious metals, jewelry, works of art and soforth, 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
the household 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 causedby an unexpected and contingent accident described in
the left hand column, up to 500,000 yen per accident.
Note: Cash cards are included.

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 per night. The limit of nights is 14 and the limitof the total payment is 200,000 yen per accident.

(3) Payment of claims for expense incurred by moving from the disaster-affected rental unit
Cases where the Company shall pay
Amount the Company shall pay
In cases where the household goods claim is paid, the
The Company shall pay the actual expenses of 1) and 2) in
Company shall pay the following expenses incurred by thethe left hand column. However the limit of payment isinsured as a result of the insured being unable to continue
200,000 yen for each expense per accident.
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to live in the rental unit as the result of the rental unit, orthe building in which the rental unit is located, being half
or more damaged by that accident.
1) Various expenses required for concluding a lease
contract of a new rental unit;
2) Expenses incurred in to the moving to newly rental unit.
(4) Payment of debris removal expense claims
Cases where the Company shall pay
In cases where the household goods claim is paid, theCompany 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
the household goods claim per accident.

(5) Payment of accidental fire goodwill compensation expense claims
Cases where the Company shall pay
Amount the Company shall pay
In cases where properties owned by a third party are
The Company shall pay the amount calculated bydamaged by fire, bursting or explosion arising out of themultiplying the number of households or corporate bodies
rental unit, the Company shall pay the expense incurred by sustaining loss or damage by 100,000 yen, but not
the insured as the accidental fire goodwill compensation to exceeding 20% of the insured amount of the household
the third party.
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 the rental unit isdeemed to be a total loss by earthquake, volcanic eruption,
tsunami or the like the Company shall pay the claim for
expense resulting from earthquake.

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.
Loss
Reacquisition cost of fire extinguishing chemicals and other materials, cost of repairs or reacquisition
prevention
cost of the damaged property resulting from firefighting and so forth, within necessary or useful cost
expenseincurred for prevention or minimization of loss.
Preservation of Necessary expenses incurred to preserve or to execute the right to claim damages or losses and otherrights expense
rights the 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.
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 (SeeNote) for daily living by theft shall be 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 fordaily living by theft shall 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.
2. Repair expense section in a disaster
This insurance indemnifies the insured for repair expense necessary for restoration of the rental unit from a disaster, etc.
Payment of claim
Cases where the Company shall pay
Amount the Company shall pay
Payment of expense
The Company shall pay repair expense if any of the following accidents occur and the insured hasfor repair claim
violated his/her obligation under the lease contract due to reasons attributable to the insured or thelease contract stipulates that a repair must be done, or in cases where there is pressing
circumstance (See Note 1) that a repair must be done and the insured makes the repair at his/her
expense. (See Note 2)
Note 1: Limited to cases where a repair has been made within 7 days from the time when a repair
becomes available.
Note 2: Excluding cases where the Company pays tenant' liability claims or repair expense at thetime of death.
1) Damage to the rental unit resulting from the
The Company shall pay the actual expense
accident as follows:
as incurred by the insured up to 1,000,000
Fire; Lightning; Bursting or explosion;
yen.
Wind, hail or snow;
Falling or flying of objects from outside thebuilding, collision therewith or collapse thereof;
Water damage by any accident occurring withrespect to water supply and drainage equipment or
occurring with respect to rooms possessed or rented
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by any other person other than the insured;
Disturbance, group action, violent or destructive
action incidental to labor dispute and the like;
Theft; Flood disaster.

Payment of cost for
prevention ofanother freezing
claim

Payment of cost for
exchanging door
locks claim

2) Damage resulting from freezing of water pipes
exclusively used for the rental unit.

The Company shall pay the actual expense
as incurred by the insured up to 300,000
yen.

3) Damage of a washbasin, a bathtub, a toilet bowl
and their attachments caused by an unexpected andcontingent accident except for 1) and 2) above.

The Company shall pay the amountobtained by deducting 10,000 yen from theactual expense as incurred by the insured.
However the amount the Company shallpay is up to 1,000,000 yen including 4) inthe left hand.

4) Damage of glass (See Note 3) attached to therental unit caused by an unexpected and contingent
accident except for 1) and 2) above.
Note 3: Plate glass only.
In case where expense for repair claims is paid forfreezing of exclusive water pipes, the Company
shall pay the cost for prevention of another freezing
claim if the insured bears the expense for an
improvement construction to prevent from anothersimilar accident at the point where freezing accident
occurs.
The Company shall pay the cost for exchanging
door claims if the insured exchanges door locks at
his/her own expense in the following cases:
1) Theft of a key of the rental unit occurs out of therental unit;
2) All or part of the function of a door lock is lost bymeans of losing or inhibiting the function of adoor lock through willful misconduct.

The Company shall pay the actual expense
as incurred by the insured. However theamount the Company shall pay is up to
1,000,000 yen including 3) in the left hand.
The Company shall pay the actual cost for
prevention of another freezing as incurredby the insured up to 10,000 yen.

The Company shall pay the actual cost for
exchanging door locks as incurred by the
insured up to 30,000 yen.

3. Repair expense section in the death of the insured
This insurance indemnifies the insured for restoration of the rental 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
The Company shall pay the actual expense
for repair claim inclaims if the insured (including an heir) bears theas incurred by the insured up to 500,000
the death of theexpense for cleaning, deodorization, and repair inyen.
insuredcase the rental unit suffers damage resulting fromthe death of the insured in the rental unit.
Payment of expense
The Company shall pay the expense for cleaning up
The Company shall pay the actual expense
for cleaning up thethe belongings of the dead claims if the insured
for cleaning up the belongings of the deadbelongings of the(including an heir) bears the expense necessary foras incurred by the insured up to 500,000
dead claim
cleaning up the belongings of the dead to vacate theyen,rental unit to the lessor.
4. 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 rental unit
liability claimsby the following accidents and he/she is legally
liable to compensate for damage to the lessor, theCompany shall pay tenants' liability claim.
Fire; Bursting or explosion; water damage fromwater leakage, water discharge, or overflow
occurring with usage or management of watersupply and drainage equipment.
Payment of personal In cases where the insured is legally liable toliability claims
compensate for damage resulting from bodily injury
or property damage to other person arising out of
the following accidents within Japan and he/shebears such legal liability, the Company shall pay
personal liability claim.
1) Unexpected and contingent incidental accidents
occurring in relation to use or management of theAmount the Company shall pay
The Company shall pay the claim for thelegal compensation for damages incurredby the insured up to the amount of theliability claims (See Note) per accident.
The Company shall pay insurance claims
in cases where the insured does not assume
legal liability due to insanity, but theperson obligated to supervise assumes
liability.
Note: In case the Company pay tenants'
liability claims and personal liability
claims, the total amount to be paid per
accident does not exceed the amount of
the liability claims.
The Company shall pay the following
costs, charges or expenses. (See Note 1)
1) Loss prevention expense (See Note 2):

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rental unit;
2) Unexpected and contingent accidents occurringin relation to daily living. (See Note)
Note: The Company shall pay claims of the insured
specified in the insurance policy and his/her
relatives living in the rental unit with him/her.

Expenses necessary or useful to preventor minimize loss;
2) Emergency measure expense: Expenses
necessary to first-aid treatment, escort,
medical treatment, therapy, nursing, andother emergency measures and expenses
paid by the insured in case it turns outthat the insured is not liable to legal
compensation for damages after the
insured taking necessary or usefulmeasures to prevent or minimize loss
and expenses paid by the insured with aprior written approval of the Company.
3) Litigation costs: Litigation expenses,
retaining fees, expenses necessary toarbitration, amicable settlement or
conciliation paid by the insured with anapproval of the Company;
4) Settlement negotiation expense:
Expenses necessary for settlement outof court that the insured pays with awritten of the Company;
5) Cooperation expense: Expenses
necessary for the insured to cooperatewith the Company for the settlement ofclaims for compensation for damages;
6) Preservation of rights expense:
Expenses necessary for taking measures
to preserve or execute the right ofcompensation for damage, in case theinsured obtains the right aforesaid to thethird party.
Note 1: 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 thelegal compensation for damages.
Note 2: The Company shall pay expenses
only to accidents covered by personal
liability claims.

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 earthquake or volcanic eruption or tsunami caused thereby; provided, however, that this shall not apply inrespect 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 fuelcontaminants, 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. However the following properties shallbe covered by this insurance contract even while they are placed outdoors: bicycles placed in the bike storage room attached to therental unit (including the premises in case the rental unit is a detached house), outdoor machines of air conditioners , washing machines
placed in a particular spot attached to the rental unit, the laundry, cloths, bedding and so forth placed on the premises of the rental unit.
・ Loss or damage caused by seizure, requisition, forfeiture, destruction and so forth at the order of the government or other publicauthority.
・ Loss or damage caused by defect in the household goods;
・ Loss or damage to the household goods caused by wear and tear, etc.;
・ 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 the household goods;
・ Loss or damage caused by mislaying, misplacing, abolition due to carelessness of the household goods;
・ Loss or damage to bulbs, lamps or CRTs and so forth only.
3. Disaster repair expense, etc. section:
・ Loss or damage resulting from gross negligence or violation of laws or regulations by the policyholder or the insured (See Note);
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Note: The same applies to Payment of cost for prevention of another freezing claim, Payment of cost for exchanging door locks claim etc.
・ The following damages shall not be indemnified regarding repair expense:- Main structural parts, such as walls, pillars, floors, beams, roofs, stairs (not including interior finishes)- Detectors installed inside the rental unit
- Shared common areas in building in which the rental unit is located, such as front door, entrance hall, hallways, courier area, lockers- Outdoor facilities and equipment installed in building in which the rental unit is located, such as gates, fences, electric power/gas
supply facility, transmission/reception facility, piping facility, or anything similar
・ Any of the following damages such as damage or stains on the wash basin, bathtub, toilet bowl or their accessories or the mounting
glass of the rental unit shall not be indemnified regarding repair expense;-Loss or damage that was caused by a defect;-Loss or damage that was caused by wear and tear, deterioration, discoloration, rust, mold, rats or insects and so forth;-Mere external appearance loss or damage 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.
4. Repair expense section in the death of the insured
・ Damages due to gross negligence or violation of laws or regulations by the policyholder or the insured;
5. Tenants' liability section:
・ Liability for damages arising from destruction of the rental unit caused by remodeling, extension, demolition or other work.
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 rental unit found after being vacated by the insured to the lessor.

Note that,

6. 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 duringhis/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.

Matters to be attended after concluding the insurance contract
1. 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 thedate when the applicant received this document, whichever is later. In case the applicant gives notice to the Company by mailpostmarked within the eight-day period, or via Home Page of the Company 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 shall not 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(Tokio Marine Millea SmallAmount Short-Term Insurance Co.,Ltd., 7th floor of the Annex to the Meijidori Business Center, 1-3 Shimokawabatamachi, Hakata-ku,
Fukuoka-shi 812-0027 or Tokio Marine West Small-Amount Short-Term Insurance Co.,Ltd., 7th floor of the Annex to the Meijidori
Business Center, 1-3 Shimokawabatamachi, Hakata-ku, Fukuoka-shi 812-0027) or via Home Page of theCompany(https://www.tmssi.co.jp or https://www.twssi.co.jp).
(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, in case the applicant cancels the contract, he/she may be requested to pay the insurance premium for the period
from the commencement date of the insurance period to the cancellation date of the contract by the day.
Note that 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, etc.
1) Notification to apply for cooling-off to the insurance contract;2) Address, name 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.
2. 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.
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3. Procedure relating to the moving of the insured
In cases where the insured specified on the policy moves from the rental unit designated on the insurance contract to the other rental unit,
the policyholder is requested to take procedures as per either (1) or (2) below. In this case the policyholder may contact the informationinquiries 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 rental unit as the rental unit on the insurance contract. Policyholder cantake this procedure only if the new rental unit where the policyholder moved into is for residential purpose under the lease contract (*1).
Even if the present lease contract (*1) still exists during the move, the Company considers the insurable accident occurred at the present
rental unit as an insurable accident for 30 days after the policyholder changes the rental unit as designated.
(2) Please cancel this insurance contract.
Note: In case the insurance premium is paid via a rent guarantee company and the like, the policyholder cannot change the rental unit
designated on the insurance contract.
Note: In case the policyholder is different from the insured and so forth, if the lease contract (*1) is continued even after the insured
moves, the policyholder may change the insured specified in the policy without the change of the rental 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.)(*1) Including units inside paid nursing homes with exclusive right to use.
4. Procedures relating to the changing of the usage of the rental unit
In cases where the usage of the rental unit is changed from “the rental unit as object of the lease contract (including units inside paid
nursing homes with exclusive right to use)” to anything after the conclusion of a contract, the Company shall not continue to assume theinsurance contract after the changing because the rental unit will be out of the scope of underwriting of this insurance contract. Pleasecontact the Company to go through the cancellation procedure of this insurance contract.
5. Forfeiture of policy
This insurance contract shall lose its effect at the time of the occurrence of the termination of the lease contract (Note) for the rental unit
after the conclusion of 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.
Note: Including units inside paid nursing homes with exclusive right to use
6. Cancel of the insurance contract
In case the policyholder cancels the insurance contract, the amount calculated according to the formula below shall be refunded by theCompany.

returnpremium

number of months
from the commencement
date to the cancellation date(See Note 2)
insurance period (number of months)

insurance period(number of months)=(insurance premium – 2,000yen)(See 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 an insurance premium collection by a rent guarantee company and the like" is accompanied
and the rent guarantee company and the like, lent the insurance premium, the Company can pay the rental premium forcancellation to the aforementioned lender. The calculation formula of the return premium for cancellation is different from thecalculation formula written above.
In case the policyholder cancels the insurance contract, he/she is requested to contact information inquiries described at the end of thisdocument. Home Page of the Company also announces the procedures.
7. 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 to provide other necessary documents according to the situation of the accident.
1) Documents to confirm that you are insured (resident's card, seal certificate etc.)
2) Claim form prescribed by the Company:
3) 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 repairer etc.);c. death certificate of the insured (examination report of death body).
4) 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.
5) 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 and after the accident etc.;
c. out-of-court settlement document, credit voucher, document of judicial decision, letter of awareness prescribed by the Company,
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receipt of the person having the right to claim etc.
6) Consent form for confirming the matters necessary for the Company to pay the claim.
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 BusinessAct)●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 the right 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 the insured 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.

Others
1. Handling of Personal Information
We, Tokio Marine Millea SAST Insurance Co., Ltd. and Tokio Marine’s group companies* may use personal information related to thecontract (including the data 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 orfinancial products or the like; conduct a questionnaire. We may also use or provide such personal information for the purpose of (1) to (4)below.
(1) To provide personal information to subcontractors (including insurance agents) , insurance brokers, medical institutions, business
partners handling claim and payment of insurance, and financial institutions or the like within a range required for fulfilling the
purpose of using personal information related to the contract;(2) 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;(3) To use personal information together among us and Tokio Marine group companies, or among us and our business partners or the likein order to provide or introduce products and services;(4) To provide personal information to reinsurance companies or the like in order to use the information for execution, renewal,
maintenance, and management of 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 InsuranceCo., 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.
2. Additional Service
For insured living in rental units, GENBA KYUKO(emergency works in case of water leak, lockout, glasses broken, etc.) service and
MURYO IRYOU SODAN(medical consultation for free) service are available. For further information, please see the fliers.
3. Maturity refund and policy dividendThis insurance contract does not have any maturity refund or policy dividend.
4. Overlapping of Coverage
This insurance policy partly overlaps another insurance policy shown below in coverage.
When in this insurance policy and another insurance policy the Company and another insurance company are responsible for indemnity ofthe same damage, the Company and another insurance company shall not pay over the amount of damage.
〈Main cases where guarantees may overlap〉
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 bicycle insurance
Special conditions of accident insurance
5. Issuance of insurance premium receipt
Please receive a premium receipt prescribed by the Company in cases where the policyholder pays the premium by cash.
6. Issuance of insurance policy
Please check the contents of the insurance policy the Company shall issue in proof of the conclusion of the contract and send to thepolicyholder by mail. In cases where the policyholder selects "omission of the issuance of the policy (confirmation of the contract on theweb)" at the time of the execution of the contract, the Company does not issue the insurance policy. The policyholder may request to issue
the insurance policy afterwards. In this case please contact information inquiries of the Company.
7. Confirmation of contract details on the Internet
The policyholder can ascertain the contents of the insurance contract on "Page for exclusive use of the policyholder" of Home Page of theCompany.
8. Decrease the insured amount of the household goods
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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 is exceeding 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 thepattern of lower insured amount of the household goods)
9. The handling of the insurance contract in case of the bankruptcy of the insurance company and the like(1) This insurance contract is not subject to the compensation for transferring to the Insurance Policyholders Protection Corporation.
Financial and other supporting 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 aresult 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 of claim 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.
10. Reinsurance
The company is prepared to stabilize management even if a major accident occurs to arrange the reinsurance contract to other insurancecompany which is selected by the company.
11. An earthquake insurance contract
The Company does not provide an earthquake insurance contract. The earthquake premium subtraction does not be applied to thepremium of this insurance contract.
12. Information exchange
The Company shall exchange the information of insurance contract with another insurance company or association of insurancecompanies such as Nihon-Shogakutankihokenkyokai, to pay appropriately, to decide cancellation of insurance contract or to use forsimilar operations. See the homepage of Nihon-Shogakutankihokenkyokai (http://www.shougakutanki.jp/),to know the name of thecompanies which participate in this system of information exchange.
13. Co-insuranceThis insurance is co-insured by the following two or three insurance companies. See the insurance policy (or the substitute means suchas web screen) to confirm underwriters and underwriting ratio. Each underwriter independently bears responsibility for indemnity
depending on each underwriting share. A lead managing underwriter represents other underwriters.
・Tokio Marine Millea SAST insurance Co., Ltd.
・Tokio Marine West SAST insurance Co., Ltd.
・Tokio Marine X SAST insurance Co., Ltd.

【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
After reception, the Company performs business of initial response to accidents etc. 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.

【For coverage details, please contact the agent that handled the application.】【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..

【Customer's Desk for complaints】

The Company receives a dissatisfaction, a request and an opinion with the insurance coverage.
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 Organizationby the Commissioner 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 the specified 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.

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The agent serves as an agent to execute insurance contracts, to receive insurance premiums, to issue cover notes, and tomaintain 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.

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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