This English version of the Terms and Conditions shall be
for reference purposes only. If there is any inconsistency
between the English and in Japanese versions, theJapanese version shall prevail.

Terms and Conditions for Diners Club Corporate
Card /
TRUST CLUB Corporate Card Membership
Effective as of April 1, 2024
CHAPTER I General Provisions
Article 1. (Members)
1. A Diners Club Corporate Card Member or TRUST CLUB Corporate
Card Member (a "Member") is a legal entity or organization that
accepts the Terms and Conditions and applies for membership in thecredit card ("Membership") of Sumitomo Mitsui Trust Club Co., Ltd.
("Trust Club") and is admitted to the Membership by Trust Club (a"Corporation") or a Cardholder as defined in the following paragraph.
Corporations shall be limited to those that have their headquarters or
main office in Japan, and in principle Cardholders shall be limited toparties having residences in Japan. If a Cardholder relocates overseas,
Trust Club may reexamine his/her membership qualification.
2.“Cardholder”means an officer or employee of a Corporation
designated by the Corporation as a holder of a Card (as defined in
Article 3.1) with respect to whom the Corporation agrees to assume
the Contracted Payment Obligations (as defined in Article 9.1) andany and all other liabilities that he/she owes to Trust Club if he/she
applies to Trust Club for Membership in joint names with the
Corporation and if he/she is admitted to the Membership by Trust
Club. The Corporation is obliged to comply with the Terms andConditions and ensure as a good manager that Cardholders willcomply with the Terms and Conditions.
3. In relation to the application for Membership pursuant to the preceding
paragraph, a program administrator who is designated by the
representative of a Corporation in advance as a person in charge of
notification by the Corporation to Trust Club regarding Cardholders’
Membership application procedures, resignation or any other changes,
and procedures for withdrawal from Membership (an "Administrator")
may apply on behalf of the Corporation. In the course of Cardholders’
Membership application procedures, the Corporation shall have theAdministrator show the content of the Terms and Conditions to
Cardholders themselves to make sure they understand and then havethem obtain the approval of Trust Club.
4. A Cardholder may use his/her Card only for the purpose of paying
business-related expenses or the like for the benefit of corporate
business ("Business Purpose"). The liability for payment of theContracted Payment Obligations associated with the use of Cards andany other obligations under the Terms and Conditions shall be as
follows:(1)the Corporation shall be liable for payment of the Contracted
Payment Obligations arising from the use of Cards by all
Cardholders and any other obligations under the Terms andConditions;(2)a Cardholder shall be liable jointly with the Corporation for payment—1—of the obligations arising from the use for his/her own benefit andany obligations to Trust Club arising from his/her failure to comply
with the Terms and Conditions (including attorneys’fees and is
not limited to direct damages), except for the Contracted Payment
Obligations arising from using a Card lent to him/her for Business
Purposes and any other obligations under the Terms andConditions.
5. Notwithstanding the preceding paragraph, liabilities relating to cash
advance services shall be borne by Corporations.
6. If, in relation to paragraphs 4 and 5 of this Article, the relevant
Corporation and Trust Club agree in writing otherwise with respect toobligations that a Cardholder owes to Trust Club, such otheragreement shall prevail.
7. The Corporate Card issued to a Cardholder by Trust Club and theCard Information relating to this card (the Cardholder name, card
number, and valid term of the card stated on the card, the personal
identification number, and the security code on the back of the card)
are together referred to as a "Card."
Article 2. (Time of Conclusion of Agreement, etc.)
1. The Diners Club Corporate Card/TRUST CLUB Corporate Card
Membership Agreement (the“Membership Agreement”) is concluded
when Trust Club receives an application from a member for a credit
card transaction and approves that application after examination.
2. The Terms and Conditions form part of the Membership Agreement in
the previous paragraph. The Terms and Conditions and the provisions
and special agreements relating to it are together referred to as the"Terms and Conditions, etc."
Article 3. (Issuance and Handling of Cards)
1. Trust Club shall issue and lend Cards to Cardholders. Corporations
themselves are not issued with Cards. The types of Cards available
are the "Diners Club Corporate Card" and“TRUST CLUB Corporate
Card”(which consists of a Mastercard) issued to Cardholders and the"ETC Card" incidental to the foregoing, and the“Corporate
Companion Card”(which consists of a Mastercard) incidental to the“Diners Club Corporate Card”("ETC Card" and“Corporate
Companion Card”shall be hereinafter collectively referred to as"Supplementary Cards"). Cards include IC Card equipped with an ICchip.
2. Upon a Card being lent by Trust Club, a Cardholder shall immediately
sign his/her own name in the designated place for signature on theCard after checking that the name stated on the face of the Card isthat of his/her own. The Card may not be used by anybody other thanthe Cardholder who has signed his/her own name in the designatedplace for signature on the Card.
3. A Cardholder shall use and keep custody of his/her Card with the careof a good manager so that the Card is not used by any other personand shall agree in advance that particular acts such as the following
can be the card management breach of duty:(1) the Card shall not be kept at any location where there is a risk that
the Card will be stolen or there will be unauthorized use by a third
party;(2) the Card shall not be presented or used in case it is difficult to—2—make accurate judgment under any circumstance caused byalcohol consumption, etc.;(3)to reply to an e-mail or a SMS message from a or respond via
social media such as social network services, etc. or voluntarily
enter his/her Card Information, etc. when accessing an unknown
website, etc.; or(4)the management of the Card shall not be left to third parties(including family members; the same shall apply hereunder)
regardless of the reasons.
4. Cards are owned by Trust Club. A Member shall not engage in actsthat infringe Trust Club's ownership rights such as assigning his/her
Card to a third party or pledging the Card. A Member may not loan orotherwise transfer the possession of the Card to any third parties, or let
third parties use or know the Card in any manner whatsoever.
5. In the event that a Member breaches this article or the Terms andConditions, etc. and a Card is used by third parties, therelevant Member shall bear liability for charges on the card use andany other losses arising therefrom in accordance with the provisions of
the Terms and Conditions, etc.
6. The valid term of a Card shall be prescribed by Trust Club and statedon the face of the Card. Trust Club shall issue a new Card with arenewed valid term to a Cardholder who does not file a withdrawal
application by the valid term and is deemed, by Trust Club, to remain
qualified for the Membership. However, for a Cardholder who has not
used his/her Card for a certain period of time, the renewal may be
withheld.
7. If Trust Club suspects an unauthorized use by a third party or
possibility thereof with respect to any Card, Trust Club shallimmediately suspend the use or invalidate the Card without priornotice to a Member and issue a replacement. A Member shall agree tothe foregoing in advance. In this case, the relevant Member shallcooperate with any investigation that Trust Club may conduct inrelation to the damage from the unauthorized use. Furthermore, if the
Cardholder wishes to use the Card again after being withheld or
declined as a result of the above measures, the Cardholder shallperform the operation to use the Card again.

grounds that use of the Card has been suspended (including
suspension of provision of the Supplementary Services).
Article 6. (Personal Identification Number)
1. Trust Club shall register a personal identification number ("PIN") upon
Cardholder's request. The Member may not use the same number infour digits (such as 0000 or 9999, etc.) or any other numbers that
may be easily guessed by a third party including but not limited to thedate of birth and telephone number. If the Cardholder does not request
any PIN, Trust Club shall register a PIN in a manner prescribed by
Trust Club and notify the number to the relevant Cardholder. The
Cardholder may change the PIN in a manner prescribed by Trust Club.
2. A Cardholder shall manage and use his/her PIN with the care of agood manager so that it does not become known to other persons. A
Member shall be liable to pay any and all obligations, losses, and soforth, arising from the card use by the Cardholder or any other third
party upon entering the registered PIN, except where there is a fault
on the part of Trust Club.
Article 7. (Supplementary Services, etc.)
1. A Cardholder may receive Supplementary Services and benefits
incidental to his/her Card ("Supplementary Services, etc.") that TrustClub provides itself or through a contractor associated with Trust Club(a "Service Affiliate").
2. A Cardholder shall comply with the rules and regulations, etc. that may
be prescribed for the use of Supplementary Services, etc., if any, andacknowledge in advance that some Supplementary Services, etc. may
not be available. Further, Supplementary Cards may not necessarily be
eligible for all of the Supplementary Services, etc.
3. Members acknowledge in advance that Supplementary Services, etc.
may be stopped, terminated or altered without any prior notice to theMember whenever Trust Club or the relevant Service Affiliateconsiders necessary.

Article 5. (Annual Membership Fee)
A Member shall pay the prescribed amount of annual membership fee
to Trust Club by the same manner of Payment as that set forth inparagraph 2 of Article 9 on the date that Trust Club notifies to theMember by sending a statement of charges. Payment of the annual
membership fee will take priority over payment of all of Member's
obligations to Trust Club. The annual membership fee already paid
shall not be refunded in principle on the ground of withdrawal orcancellation of the Membership or for any other reasons whatsoever.
Member may not refuse payment of the annual membership fee on the

Article 8. (Total Credit Line and Restriction of Use)
1. The credit line for each Cardholder shall be determined for each cardby Trust Club upon examination. Trust Club may set a total credit limit
for each Corporation in addition to a total credit line for each Card.
However, even in such a case, the aggregate amount of the total
credit lines for each Card shall be within the total credit line set foreach Corporation.
2. If Trust Club deems appropriate, it may set the following credit lines
which shall not exceed the total credit line in principle:(1) a credit line for shopping one lump-sum payment; and(2) cash advance/card loan credit lines.
3. Trust Club shall notify the total credit line, credit line for shopping with
one lump-sum payment, and cash advance/card loan credit lines foreach card to the Corporation or the Cardholder by means prescribedby Trust Club including but not limited to a card carrier and statementof charges.
4. Trust Club may change total credit lines, credit lines for shopping with
one lump-sum payment, and cash advance/card loan credit lines asnecessary and limit them for each Cardholder without any prior noticeto the Corporation or Cardholder.
5. Amounts subject to a total credit line include charges on purchases of

—3—

—4—

Article 4. (Purpose of Card Use)
1. A Cardholder shall use his/her Card only for the purposes of the
Corporation's business, unless otherwise agreed between the
Corporation and Trust Club.
2. Even in cases where a Cardholder uses his/her Card in breach of thepreceding paragraph, the relevant Member shall not be released fromits payment obligations.

goods, charges on services, the principle of cash advances, and anyother charges and interest or fees on any goods and services provided
by Trust Club.
6. In relation to any card use by a Cardholder, Trust Club may receive an
inquiry from any of the service establishments of Trust Club listed in
the following items (the "Service Establishments") if the amount of aparticular use exceeds the maximum amount per use separately
designated by Trust Club or for any other reasons:(1) Trust Club's Service Establishments;(2) Service Establishments of credit card companies with which TrustClub is associated in relation to service establishment operations(i.e. businesses of acceptance of cards and credit sales); or(3) Service Establishments of companies or organizations handlingservice establishment operations for international brand cards
issued by Trust Club.
7. Trust Club shall bear no obligation to provide credit to Member as aresult of setting a total credit line, credit line for shopping with one
lump-sum payment, or cash advance/card loan credit line. If any of thefollowing grounds arise, Trust Club may reject the use in question
without any prior notice to the Member or the relevant Service
Establishment:(1)the total credit line prescribed in paragraph 1 to 5 of this Article isexceeded;(2)if the particular use by the relevant Cardholder of his/her Cardviolates or is likely to violate the Terms and Conditions, etc. andother provisions;(3)when the Card is used to purchase goods or services, whose
owners name is officially registered such as a vehicle and a real
property, in the name of a third party, not the Member, and when
the Company determines that it is not appropriate;(4)if Trust Club considers the card use by a Cardholder to beinappropriate for reasons including but not limited to being apurchase of merchandise for resale;(5)if Trust Club considers inappropriate any card use at a Service
Establishment as stipulated in the preceding paragraph of this
Article; or(6)if other than the preceding items, Trust Club recognizes it to benecessary to ensure the soundness of Card transactions.
8. If Trust Club considers the use to be inappropriate, Trust Club may
request the Member to return his/her Card through the relevant
Service Establishment or credit card company with which Trust Club
directly or indirectly associates, or a bank or credit card company (a"Company Contracted with Service Establishment") associated withthe relevant international organizations (Mastercard Worldwide or
Diners Club International Ltd. for Mastercards or Diners Club Cards
respectively, the same shall apply hereunder). In this case, theCardholder shall comply with the request and return his/her Card to
Trust Club.
9. The Member shall be liable to pay for any card use by a Member inexcess of the credit line in paragraphs 1 and 2 of this Article.
Article 9. (Settlement of Charges)
1. A Corporation is liable for charges for purchases of goods or services(the“Card Shopping Charges”), repayments for cash advances set—5—

forth in Article 34, and other amounts that should be paid on theapplicable Payment Dates that are set forth in Article 32 for eachpayment type for Card Shopping Charges and cash advances that theMember owes to Trust Club under the Terms and Conditions, etc.
("Contracted Payment Obligations"). The calculation of Contracted
Payment Obligations shall be closed on the 15th day (the "Closing
Date") of each month in principle. If shopping or cash advances(limited to use of Cash Dispensers as defined in Article 34 that arelocated within Japan) are used within Japan, those for which card
usage data has reached Trust Club from Service Establishments andfinancial institutions ("Service Establishments, etc.") and for which
Trust Club has finalized payments to the Services Establishments, etc.
will be used for calculation of the Contracted Payment Obligations.
Other card usage data will be processed on the following business day
of Trust Club and used for the calculation of the Contracted Payment
Obligations on the Closing Date in the following month, depending on
the time of the day when such data reaches Trust Club
2. The Member shall pay the Contracted Payment Obligations on the10th day of the month following the Closing Date (or the following
business day if the 10th day is not a business day of financial
institutions: the "Payment Date") into a deposit account opened at afinancial institution as designated by Trust Club (a "Payment
Account") by means of account transfer, collection by servicer, or
automatic transfer (the "Account Transfer, etc."); provided, however,that when Trust Club deems it necessary or based on administrative
circumstances, Trust Club may receive payments by remittance into a
deposit account that it designates. If Trust Club's advance consent isobtained, other methods may be used instead. Further, Trust Club may
designate dates other than those stated above as the Closing Dateand the Payment Date for Members. In this case, Trust Club shallnotify Members of the Closing Date and the Payment Date sodesignated in sending statements of charges prescribed in paragraph
7 of this Article or another method designated by Trust Club. Based on
administrative circumstances, this may be the payment date from two
or more months after the Payment Date.
3. Notwithstanding the provisions of the preceding paragraph,if the
Account Transfer, etc. cannot be completed for reasons including but
not limited to an insufficiency of funds in the Payment Account, theMember shall promptly arrange for a remittance into a bank accountdesignated by Trust Club so that the relevant Contracted Payment
Obligation is fully paid, or upon instruction from Trust Club, if any,arrange that an Account Transfer, etc. of the whole or a part of theunpaid Contracted Payment Obligation may be made on the day
designated by Trust Club. However, the above Account Transfer, etc.
or remittance into a bank account designated by Trust Club is just ameans of performance of the Contracted Payment Obligation and does
not mean that the Cardholder himself/herself is obliged to perform theContracted Payment Obligation. After the said Account Transfer, etc.,
Trust Club shall not reimburse the Cardholder for the amount paid by
the Account Transfer, etc. for any reasons whatsoever. However, theCorporation shall be obliged to indemnify the Cardholder for thatamount.
4. Notwithstanding the provisions of the preceding three paragraphs, if
Trust Club prescribes otherwise in relation to the manner of payment,—6—

or if Trust Club's advance consent is obtained, a Member may use anyother manner of payment instead.
5. If charges for any card use are denominated in a foreign currency(including charges in a foreign currency for any card use in Japan), thecharges shall be converted into Yen in accordance with theprocedures designated by an associated international organization in
the relevant country at the conversion rate that multiplied the certain
rate by the standard rate designated by the relevant associatedinternational organization or Trust Club. A Member shall agree to theforegoing in advance with respect to the use of his/her Card and shallnot raise any objection to Trust Club with regards to the conversion
rate. However, if Trust Club and a Corporation separately enter into anagreement concerning the conversion rate, such other agreement shallprevail. Further, the standard rate shall only be applied to any use of
cash advance services overseas.
6. If a Member fails to pay the relevant Contracted Payment Obligations
on the corresponding Payment Date set forth in paragraph 2 or 3 ofthis Article, the Member shall pay the unpaid obligation in a mannerdesignated by Trust Club. The costs of payment in such designatedmanner shall be borne by the Member as a matter of course.
7. By the Payment Date in each month, Trust Club shall notify each
Member of the monthly amount of Contracted Payment Obligations set
forth in paragraph 1 of this Article in a manner prescribed by TrustClub including but not limited to a statement to the address that theMember has notified to Trust Club. Trust Club may, for its own
reasons, change the manner to deliver statements of charges toMembers.
8. If a Member does not raise any objection to Trust Club within fourteen(14) days after receiving a statement of charges in the preceding
paragraph, the Member may be treated as having no objection to thecontents of that statement of charges. In this case, it may not be
possible to assert exemption from the Payment Obligations or make aclaim for a refund from Trust Club.
9. A Member may request Trust Club to reissue a statement of charges.
However, such reissuance shall be limited for any statement ofcharges issued within six (6) months prior to the month of reissuancerequest. In this case, the Member shall pay a reissuance fee
prescribed by Trust Club.
Article 10. (Appropriation of Payment, etc.)
1. If the amount paid by a Member is insufficient to fulfill its obligations
to Trust Club based on the Terms and Conditions, etc. or otheragreements in full, Trust Club may, without any prior notice to theMember, appropriate such amount to the payment of any obligations inan order and manner that Trust Club designates, and the Member shallnot raise any objection to such appropriation.
2. If the amount paid for a Member's payment obligation exceeds theamount to be paid when due as set forth in the Trust Club agreement(including the provisions of this Terms and Conditions, etc., any
individual agreement with the Member or other payer, or any
designation by Trust Club based on these agreements), a Member
shall agree in advance that relevant excess amount may be, as amatter of course and without any notice to the Member or other payer,
appropriated to the Member's obligations to Trust Club (unless—7—

otherwise specified by Trust Club) on the dates and in the order andmanner that Trust Club designates, irrespective of whether any of their
payment has fallen due or not. Any and all disputes with the payer
arising from this shall be resolved by the Member.
Article 11. (Burden of Cost)
A Member shall, even after the cancellation or withdrawal of theMembership, bear costs including but not limited to stamp duties aswell as costs for filing of petition with respect to the Member for
payment demand, compulsory execution, preservation, and preparationof notarial deeds, among any and all costs and expenses that TrustClub incurs in taking legal actions. The costs for an investigation, etc.
conducted by the Member shall be borne by the Member as a matterof course.
Article 12. (Reexamination of Membership Qualification)
1. Trust Club may reexamine the eligibility of a Member and his/her
credit lines available for the Member on a regular and ad-hoc basis. In
this case, the Member shall furnish Trust Club with such materials asrequested by Trust Club.
2. Trust Club may suspend use of the Card or take other necessary
measures until the Member complies with the request for furnishmentof materials from the previous paragraph.
Article 13. (Rejection of Relations with Anti-social Forces)
1. Members; representatives of Corporations, directors, representatives inmembership application (including an Administrator), prospective
Cardholders, substantial controllers, and employees of Corporations;and any other similar persons (referred to as a "Member, etc."
hereinafter in this article and Article 14) hereby represent and warrant
that each of them does not and will not fall under any of thefollowings:(1) an organized crime syndicate (Boryokudan);(2)a member of an organized crime syndicate or a past member ofsuch a syndicate with respect to whom 5 years have not elapsed
after withdrawal;(3) a quasi member of an organized crime syndicate;(4) an enterprise connected with an organized crime syndicate;(5) a corporate extortionist (Sokaiya) etc., gangster proclaiming to be asocial activist, etc., group committing special intellectual crimes, or
any other similar person/entity;(6) an associate of any of the foregoing (a "member, etc. of anorganized crime syndicate");(7) a person/entity subject to economic sanctions by the Japanese
government or any foreign national governments, etc.; or(8) any other person/entity that Trust Club recognizes as being similar
to any of the foregoing.
2. "An associate of a member, etc. of an organized crime syndicate" setforth in item (6) in paragraph 1 is a person/entity falling under any of
the followings:(1) those who increase their own profits by taking advantage of fundraising activities conducted by a member, etc. of an organizedcrime syndicate or utilizing force, the information-gathering ability
and the funding ability, etc. of a member, etc. of an organized crime
syndicate;—8—(2) those who have any relationship of which operation is recognized
as being governed by a member, etc. of an organized crime
syndicate or recognized as practically involving a member, etc. ofan organized crime syndicate;(3) those who have any relationship recognized as unduly utilizing amember, etc. of an organized crime syndicate;(4) those who have any relationship supplying funds or providing
benefits for a person, knowing that he/she is a member, etc. of anorganized crime syndicate; or(5) those who have any socially disapproved relationship with amember, etc. of an organized crime syndicate.
3. Members, etc. hereby represent that each of them shall not directly or
through a third party conduct any of the following:(1) to make a violent demand;(2) to make an unfair demand beyond Trust Club's legal liability;(3) to use threatening language or exercise violence in relation to Cardtransactions (including but not limited to the use of Cards, paymentof charges, and use of Supplementary Services, etc.);(4) to damage Trust Club's reputation or interfere with Trust Club's
business by disseminating rumors, or using fraudulent means or
threatening forces; or(5) any other act that is similar to any of the foregoing.
4. If Trust Club recognizes that any of Members, etc. has fallen under or
is likely to fall under any of the following, Trust Club may refuse themembership application relating to such a person/entity:(1)if any of the items in paragraph 1 of this Article becomes applicableto the person/entity;(2)if the person/entity commits an act falling under any of the items
listed in the preceding paragraph; or(3)if the person/entity turns out to have made a false statement inrelation to any of the representations and warranties under theprovisions of paragraphs 1 and 3 of this Article.
5. If Trust Club recognizes that any of Members, etc. has fallen under or
is likely to fall under any of the items in the preceding paragraph, theprovisions of Article 15 shall be applied mutatis mutandis to theperson/entity and Trust Club may take measures including but notlimited to the suspension of use or lending of Card, legal actions,cancellation of Membership with respect to the person/entity.

2. If a Member, etc. falls under any of the items of the preceding
paragraph, or if Trust Club otherwise recognizes that it is the case, theMember, etc. shall agree in advance that Trust Club confirms identityof the Member, etc. at the time of transaction in accordance with legal
requirements and shall submit documents required for otherprocedures. If the identity of the Member, etc. is not verified at thetime of transaction, the provisions of Article 15 shall be appliedmutatis mutandis to the person and Trust Club may take measures
including but not limited to the suspension of use or lending of Cardand cancellation of Membership with respect to the person.
3. If a Member, etc. falls under the paragraph 1 of this Article, or if TrustClub otherwise recognizes that it is the case, the Member, etc. shallagree in advance that he/she cannot receive services designated by
Trust Club.

Article 14. (Politically Exposed Persons)
1. If a Member, etc. falls currently or fell formerly under any of thefollowing items, the Member, etc. shall report to Trust Club the
relevant item(s), the relevant foreign country name, the government
post and the job status (incumbent or not):(1) if the position of the Member, etc. has significance with respect to
the Act on Prevention of Transfer of Criminal Proceeds (e.g. head,cabinet minister, ambassador or envoy of a foreign state, a foreign
central bank or the like);(2)if the Member, etc. has a family who holds any of the positionsprescribed above (e.g. spouse including a partner who is not legallymarried but has a common- low marriage to the Member, etc.,
parents, children, siblings and the spouse's parents and children); or(3)if the Member, etc. has a corporate personality and its substantial
controller falls under the item (1) or (2).

Article 15. (Suspension of Use or Lending of Card, Legal Actions andCancellation of Membership, etc.)
1. If a Member breaches or is likely to breach the Terms and Conditions,etc. by reasons including but not limited to a delinquent payment, if
Trust Club believes that there are suspicious circumstances in relation
to any card use by the Member, if the reexamination under Article 12
is conducted, or if Trust Club otherwise considers necessary, TrustClub may take any of the following steps immediately without any priornotice to the Member:(1) to suspend the use of the Member's Card;(2) to suspend the use of Supplementary Services, etc.;(3) to suspend lending and request a return of the Member's Card;(4) to notify the Service Establishments, etc. of the nullification of theMember's Card; or(5) to take legal actions as deemed necessary by Trust Club.
2. The steps set forth in the items in the preceding paragraph shall be
implemented through Service Establishments, etc. and in any othermanner prescribed by Trust Club.
3. If a Member falls under or is likely to fall under any of the following,
Trust Club may cancel the Membership of the Member at any time
without any notice or demand:(1) if the Member makes a false statement at the time of or after theMember's admission to the Membership;(2)if the Member breaches any of the provisions of applicable laws
and regulations or the Terms and Conditions, etc. and this breach isa material breach;(3) if any of the items in paragraph 1 of Article 18 become applicable;(4) if the credit standing of the Member changes in a material way;(5)if the Member fails to provide documents that are necessary for
identification or other similar purposes;(6) if Trust Club determines that there has been use for transactions
that violate laws and regulations relating to money laundering,terrorism financing, and economic sanctions, etc.
(7) if Trust Club determines that Member's use of the Card isinappropriate or suspicious, such as when the following prohibited
actions relating to shopping usage are performed or there is a riskthat they will be performed.
i. if the Member uses any part of the total credit line in order to—9—— 10 —

raise funds by purchases of goods or services with a view to
exchanging them for money or fictitious transactions; orii. if the Member uses any part of the total credit line for purchaseof bills and coins in circulation, overseas gambling on theInternet, etc., or overseas public lottery transaction.
(8)If Trust Club recognizes that there is, or there is likely to be, use of
the Card by a third party or unauthorized, inappropriate, or
unsuitable Card use based on the status of payment of charges on
the Card or management of the Card.
(9)if Trust Club does not issue a renewal card and the valid term of
the Member's Card has expired; or(10) if Trust Club recognizes that a ground on which the Member falls
under any of the items (1) to (9) above in relation to any other terms
and conditions, etc. executed between the Member and Trust Clubhas arisen.
4. In case of cancellation of Membership pursuant to the preceding
paragraph, Trust Club shall not indemnify any loss, damage, costs or
expenses that a Member may incur as a result of such cancellation.
5. If any of the provisions of paragraph 3 and the preceding paragraph ofthis Article becomes applicable to a Member, the Cardholder's rights
to receive Supplementary Services, etc. set forth in Article 7 (including
those accrued prior to the cancellation of Membership) shall be lost.
6. A Member shall, even after the cancellation of Membership, be liable
to pay the outstanding obligations under the Terms and Conditions,etc. that are owed to Trust Club (including those become known toTrust Club after the cancellation) in accordance with the Terms andConditions, etc.
7. If Trust Club recognizes that a Corporation breaches or is likely tobreach any of the provisions or prohibitions in this Article or any otherpart of the Terms and Conditions, etc., all other Cardholders of that
Corporation shall also be subject to the same measures taken by Trust
Club.
Article 16 (Prohibition of malicious nuisance)
1. The Member shall not menace employees of the Company or its
contractor nor take any act that harm the tranquility of their personal
life, any act in which the content or form of the request is deemed
inappropriate in light of socially accepted ideas, as well as any act
that may cause disturbances in smooth offering of services to theMember:(1)violence, threat, intimidation;(2)verbal abuse, obscene speech, sexual harassment, defamation,other behavior that attacks personalities;(3)discriminatory statements regarding race, ethnicity, origin,
occupation and other matters;(4)restraint of employees for a long period of time;(5)authoritative attitude;(6)unfeasible requirements, forcing special responses; or(7)demand for money and goods.
2. If the Company finds that the Member falls under or is likely to fallunder any of the items in the preceding paragraph, the provisions ofArticle 15 shall apply mutatis mutandis, and the Company shallsuspend card use and assignment, take legal action, and cancel the— 11 —

membership qualification, etc.
Article 17. (Withdrawal from Membership)
1. A Member may withdraw from the Membership at any time by applying
to Trust Club for withdrawal in a manner prescribed by Trust Club. If a
Member withdraws from the Membership, the Supplementary Cards
lent to the Member shall also be withdrawn as a matter of course.
Members acknowledge that a withdrawn Member's Card andSupplementary Cards may not be used in any manner whatsoever
after the processing of the Member's withdrawal is completed.
2. If a Corporation withdraws from the Membership, the relevant Member
shall return to Trust Club all of the Cards and Supplementary Cards
lent to the Cardholders of the Corporation, since all Cardholders ofthat Corporation shall also be automatically withdrawn from theMembership. However, if there is an instruction of destruction fromTrust Club, the Member shall comply with the instruction and disposeof the Cards upon cutting magnetic strips thereon (and IC chips aswell, in cases of IC cards) and making the Cards unusable.
3. In cases of paragraph 1 and the preceding paragraph of this Article, aMember shall immediately pay all of the outstanding obligations under
the Terms and Conditions, etc. in full regardless of the Payment Dates
thereof in a manner of payment accepted by Trust Club. In this case,the relevant Member shall be withdrawn from the Membership upon
the full payment of any and all outstanding obligations under theTerms and Conditions, etc.
4. The provisions of this Article shall also apply to the withdrawal from
the Membership of only a part of the Cardholders in a Corporation.
5. Trust Club may proceed with the withdrawal procedures for a
Cardholder with respect to whom a certain period of time has elapsed
after the withholding of renewal.
6. If a Member applies for withdrawal from the Membership pursuant tothis Article, the Member's rights to receive Supplementary Services,
etc. (including those accrued prior to the application for withdrawal)
shall be lost.
Article 18. (Forfeiture of Benefit of Time)
1. If a Member falls under any of the following items, all of the Member's
outstanding obligations under the Terms and Conditions, etc. shall be
accelerated and become immediately payable by the Member:(1)if the Member fails to pay any of the Contracted Payment
Obligations (other than those listed in the following item) on therelevant Payment Date even once;(2) if the Member fails to pay the Repayment Amounts with respect toa revolving payment, or the amount payable with respect to apayment in installments, payment in two installments, and one
lump-sum payment at bonus time, and in spite of a demand inwriting by Trust Club specifying a reasonable period of 20 days ormore for payment, the Member fails to make the payment withinsuch period;(3) if a bill or check drawn by the Member becomes dishonored or if
the Member suspends payments in general;(4)if a petition for attachment, provisional attachment, or provisional
disposition is filed against the Member, or if the Member becomes— 12 —

subject to a coercive tax collection or preservative attachment; or(5) if a petition for settlement, mediation or alternative dispute
resolution procedures for arrangement is filed;(6)if the Member receives notice that an attorney, legal professional
corporation, judicial scrivener, judicial scrivener corporation or any
other person is authorized to make arrangement;(7)if a petition for commencement of bankruptcy proceedings, civil
rehabilitation proceedings, special liquidation or corporate
reorganization proceedings, or any other similar legal insolvency
proceeding is filed against or filed by the Member.
(8)If the Member’s whereabouts become unclear for reasons
attributable to the Member.
2. If a Member falls under any of the following items, all of the Member's
outstanding obligations under the Terms and Conditions, etc. shall be
accelerated and become immediately payable by the Member uponrequest by Trust Club:(1) if the Member violates any of its obligations under the Terms andConditions, etc., and thereby commits a material breach of theTerms and Conditions, etc.; or(2) if the Member's credit standing otherwise deteriorates considerably.
Article 19. (Delinquency Charge)
A Member shall pay a delinquency charge at the rate of 14.56%(14.60% for a leap year) per annum on the Contracted Payment
Obligations for the period from the following day of the Payment Dateto the date of actual payment if he/she is delinquent in the payment ofContracted Payment Obligations, or on the total outstanding
obligations for the period from the date of acceleration to the date offull payment if he/she becomes subject to an acceleration. Further, aMember shall pay a delinquency charge at the rate of 19.94%(20.00% for a leap year) per annum on the principal amount due out of
the Contracted Payment Obligations for the period from the following
day of the contracted Payment Date to the date of actual payment if
he/she is delinquent in the payment of cash advance, or on theprincipal amount due out of the outstanding obligations for the period
from the date of acceleration to the date of full payment if he/she
becomes subject to an acceleration in relation to the cash advance.
The calculation of all delinquency charges shall be made on a prorated daily basis using 365-day a year (366-day for a leap year).
Article 20. (Loss, Theft, Falsification and Reissuance of Card)
1. If a Card of a Member or the Card Information thereof is used by aperson other than the Member due to the loss or theft, etc. (including
but not limited to the fraudulent use of a card number), any and all
payment obligations arising from such a use shall be subject to theTerms and Conditions, etc. and payable by the Member; provided,
however, that Trust Club shall exempt the Member from the payment
obligations arising on or after the day that is 60 days prior to the dateof receipt of the notification by Trust Club if the Member promptly
notifies the fact of loss or theft, etc. to Trust Club directly by telephoneor any other means, reports to the nearest police station to that effect,and submits a document prescribed by Trust Club.
2. Notwithstanding the proviso to the preceding paragraph, if any of the— 13 —

following items becomes applicable, no payment exemption shall be
granted:(1) if the loss or theft, etc. is caused by willful misconduct or grossnegligence of the Member;(2) if a person related to the Cardholder including but not limited to a
family member, relatives, co-resident, house sitter, or any otherperson handling personal care tasks for the Cardholder based on
entrustment is involved in the loss or theft, etc., or misuses the
Cardholder's Card;(3) if the loss or theft, etc. occurs in times of war, earthquakes or any
other significant social disorder;(4) if any losses arise in relation to a card use upon PIN confirmationby checking the entered number against the registered PIN;
(5) if the loss or theft, etc. takes place in any circumstances
constituting a breach of the Terms and Conditions, etc.; or(6) if the Member refuses to submit any document requested by TrustClub or makes a false statement in a document submitted to Trust
Club, or if the Member does not cooperate with an investigation into
damage from unauthorized use that is conducted by Trust Club.
3. A Member shall not be liable for the payment of charges related to any
use of falsified Cards.
4. Notwithstanding the provisions of the preceding paragraph, a Member
shall be liable for the payment of charges arising from (1) the loss,
theft, or fraudulent use of falsified Card or stolen card number which istaken place during and within one year after any breach of Article 3
and Article 6 of the Terms and Conditions by the Member, and (2) afalsified Card if the production or use of the falsified Card is
attributable to willful misconduct or negligence on the part of the
Cardholder.
5. A Member shall cooperate with an investigation into the state ofdamage that may be conducted by Trust Club or any other entity.
6. Trust Club may reissue Cards in cases where it deems appropriate. A
Member having a Card reissued shall pay a reissuance fee prescribedby Trust Club.
Article 21. (Changes of Notified Particulars)
1. If there is any change in a Member's particulars that are notified toTrust Club including but not limited to the trade name, personal name,address, phone number, e-mail address, representative, Manager,
contact person, place of work, business details, Payment Account,and purpose for conducting transactions, or if a Cardholder is added toor withdrawn from the Membership, the Member shall notify Trust Clubof the relevant change without delay in a manner prescribed by TrustClub.
2. If a notice, document, or any other item that is sent to a Member fromTrust Club (a "Sent Item") is delayed or fails to arrive due to the lackof notification in the preceding paragraph, the Sent Item shall bedeemed to have reached the Member at the time when it should havenormally arrived. However, this provision shall not apply if such
notification is not made due to unavoidable circumstances.
3. If a Sent Item is returned to Trust Club due to the address being
unknown or any other reasons as a result of the lack of notification inparagraph 1 of this Article, Trust Club may contact the Member for
confirmation or take other necessary steps. If the Sent Item is still not— 14 —

delivered to the Member despite the said steps, Trust Club may
suspend the use of the Member's Card or take other measures as set
forth in Article 15. Members agree in advance that the same measures
shall also be taken against those receiving statements of charges inan electromagnetic manner.
Article 22. (Telephone and Online Transactions, etc.)
1. A Cardholder may apply for a service designated by Trust Club, inquire
to Trust Club, and make notifications, etc. set forth in the preceding
Article by telephone or on the Internet (a "Telephone Transaction,etc.").
2. In principle, a Cardholder shall make a Telephone Transaction, etc. byusing his/her PIN or in any other authentication manner separately
designated by Trust Club. The contents of the transaction shall berecorded or captured, and stored by Trust Club for a reasonable periodof time.
Article 23. (Disclosure and Provision of Information on Members andCard Use)
Trust Club may disclose to a Corporation the information concerning a
Member as well as the Card Information including but not limited tothe information on transactions between Trust Club and theCardholder and the amount of card use with respect thereto, which
Cardholders hereby accept in advance.
Article 24. (Confirmation of Separate Agreements)
A Corporation shall notify its Cardholders in writing, etc. of any
separate agreements arising in relation to the Terms and Conditions,etc. with Trust Club and the contents thereof, which Cardholders
hereby accept in advance.
Article 25. (Submission of Documents)
1. If it becomes necessary under any of the applicable laws andregulations, etc., Trust Club may request a Member to submit
documents prescribed by Trust Club.
2. Trust Club may request a Member to submit certain documents on aregular or ad-hoc basis for identification, credit extension, or
confirmation of card use and the Member shall cooperate with therequest.
3. If Trust Club otherwise considers necessary in cases, including but notlimited to, where a Member fails to comply with the provisions ofparagraph 1 and the preceding paragraph of this Article, Trust Clubmay restrict or suspend the use of the Cardholders' Cards.
4. Even if the use of a Member's Card is restricted or suspended by TrustClub pursuant to the provisions of the preceding paragraph, theMember shall pay the obligations owed to Trust Club in accordancewith the Terms and Conditions, etc.
Article 26. (Agreed Jurisdiction)
Members agree that any disputes arising in relation to the Terms andConditions, etc. shall be subject to the jurisdiction of a summary court
and a district court having jurisdiction over the relevant Member's
address, place of purchase, or head office or relevant branch of Trust
Club, regardless of the amount in dispute.

— 15 —

Article 27. (Governing Law)
Any and all agreements between a Member and Trust Club shall begoverned by and construed in accordance with the laws of Japan.
Article 28. (Amendment of Terms and Conditions, etc.)
Trust Club may change the Terms and Conditions after notifying
Members in advance by publishing a notice to the effect that it ischanging the Terms and Conditions on its website along with thedetails of the changes and their effective date, or another suitable
method in accordance with the provisions of the Civil Code in order to
respond to changes in social and economic conditions or the revisionor repeal of laws and regulations, to change the Company's operations
or systems, or when otherwise necessary. If there are any special
agreements or provisions that are inconsistent with the Terms andConditions, such special agreements or provisions shall prevail. In theevent that a Japanese and English version exists, the Japaneseversion shall prevail.
Article 29. (Assignment of Contractual Status)
1. Members hereby give overall advance consent without objection to
any transfer to a third party of Trust Club's contractual status under
the Terms and Conditions, etc. that Trust Club may make in the future.
2. Members hereby give advance consent without objection to any
assignment by Trust Club of its claims against any Member under theTerms and Conditions, etc. to a third party including but not limited toa servicer.
CHAPTER II Card Shopping Provisions
Article 30. (Manner of Card Use)
1. A Cardholder may purchase goods or receive services by presenting
his/her Card to a Service Establishment and entering his/her PIN into
the designated credit card terminal or having the credit card terminal
read his/her Card, or by providing his/her signature identical to thesignature on the However, if the credit card terminal is out of service,or if Trust Club designates another method as appropriate,
Cardholders may be asked to use the Card using the different method.
2. Notwithstanding the preceding paragraph, for mail-order purchases,
etc. or at some Service Establishments that Trust Club deems
appropriate, a Cardholder may purchase goods or receive services by
notifying his/her Card Information, etc. without presenting his/her
Card. When a Cardholder uses his/her Card by using such method,he/she may be required by a Service Establishment to use the
Cardholder authentication service or other method designated by theService Establishment. In such a case, the Cardholder shall use theCard in accordance with the relevant method.
3. For reasons including but not limited to the status of use, an approval
from Trust Club shall be required for each card use. In this case, TrustClub may receive an inquiry from a relevant Service Establishment
and Company Contracted with Service Establishment. Members agree
in advance that Trust Club shall answer such an inquiry from theService Establishment and Company Contracted with Service
Establishment only with respect to the aspects that Trust Club deems
necessary.
4. If Trust Club considers that a Cardholder's Card is likely to be used in— 16 —

a fraudulent manner by a third party, Trust Club may withhold or
decline the use of the Card and approve the use upon inquiry from therelevant Service Establishment or Company Contracted with Service
Establishment. Cardholders agree in advance that Trust Club may
follow the prescribed procedures for identification in suchcircumstances. Furthermore, if a Cardholder wishes to use the Cardagain after being withheld or declined as a result of the abovemeasures, the Cardholder shall perform the operation to use the Cardagain.
5. If Trust Club considers that a particular card use by a Cardholder
violates or is likely to violate the Terms and Conditions, etc., is for an
inappropriate purpose or is otherwise inappropriate, Trust Club may
reject the use by the Cardholder.
6. A Cardholder shall, in order to cancel a purchase of goods or services
for which his/her Card is used, comply with the designated procedures
including but not limited to the signing of a cancellation voucher in thesame manner as on the back of the Card.
7. A Cardholder may use his/her Card in relation to a continuous service
designated by Trust Club including but not limited to the settlement ofcommunication charges by registering the Card Information with arelevant Service Establishment in advance. If his/her Card becomes
unusable due to a change of any particulars including but not limited
to the card number or valid term, withdrawal or cancellation ofMembership, or any other reasons, the Cardholder shall immediately
take necessary steps to change the manner of settlement upon
notifying the relevant Service Establishment to that effect. If the
Cardholder does not make this change, even after the withdrawal orcancellation of the Membership, the Member shall be liable for thepayment of charges with respect to transactions arising from therelevant Service Establishment pursuant to provisions hereof. If theMember receives a separate instruction from Trust Club in respect ofsuch manner of settlement, the Cardholder shall comply with theseparate instruction.
8. In relation to the preceding paragraph, if any particulars including but
not limited to the card number change due to a change of card type orother similar reasons, or if Trust Club otherwise deems necessary or
appropriate in cases, including but not limited to, where more than one
Card is lent to the Cardholder, Trust Club shall notify the Service
Establishment of the relevant change upon request therefrom, which
Cardholders hereby accept in advance. Further, if the Cardholder
terminates the agreement concerning the continuous service, he/sheshall himself/herself take necessary steps with respect to the relevant
Service Establishment. Even after the withdrawal or cancellation of
the Membership, the Member shall be liable for payment with respect
to the use of his/her Card at the relevant Service Establishment
pursuant to paragraph 6 of Article 15 and paragraph 3 of Article 17.
9. Any dispute that may arise under transactions using a Card shall be
resolved between the relevant Cardholder and the relevant Service
Establishment. If a Cardholder, after a transaction using his/her Cardat a Service Establishment, cancels the transaction upon agreement
between the Cardholder and the Service Establishment, the relevantcharges shall be settled in a manner prescribed by Trust Club.
10. Members agree that the Service Establishments shall disclose toTrust Club the information concerning goods, services, and telephone

conversations purchased using Cards as well as other contents oftransactions and related information, for the purposes of identificationand confirmation of details of claims arising from card use. A Service
Establishment shall itself or through a relevant Company Contractedwith Service Establishment disclose to Trust Club the details of
telephone conversations including telephone numbers of called parties,
only if the relevant Member so consents in advance and the relevant
Service Establishment so agrees.
11. Members agree in advance that some foreign Service
Establishments may charge a handling fee in relation to a card use (a"Card Handling Fee"). If a Cardholder signs a sales voucher expressly
stating the amount of Card Handling Fee, the Cardholder is liable to
pay the Card Handling Fee in addition to the Card Shopping Charges.

— 17 —— 18 —

Article 31. (Acceptance of Advances, etc.)
1. If a Member uses the Card at a Service Establishment in relation toTrust Club in accordance with the preceding article, the Member
approves Trust Club making an advance payment to the Service
Establishment and will be deemed to have entrusted Trust Club withthe relevant individual advance with the execution of the agreement
based on the Terms and Conditions. When Trust Club makes
Member's payment to a Service Establishment in its place based on
entrustment by the Member, the Member agrees to each of thefollowing items with respect to the Service Establishment's claims
against Member that the transaction using the Card gives rise to:(1)that by having decided to perform an advance payment to theService Establishment (regardless of whether before or after theactual execution of the advance payment), Trust Club acquires aclaim against the Member equal in amount to the advance payment.
In this case, such an advance payment may be made through athird party (excluding an associated credit card company andforeign credit card company but including an overseas Diners
franchise) that is deemed appropriate by Trust Club;(2) that an associated credit card company makes advance paymentson behalf of the relevant Member to a Service Establishment or that
the Service Establishment assigns Receivables to the relevant
associated credit card company, both in accordance with theagreement between the associated credit card company and theService Establishment (In this case, such an assignment oradvance payment may be made through a third party that isdeemed appropriate by Trust Club.) in parallel with an advancepayment from Trust Club to the associated credit card company;
and(3) that a foreign credit card company makes advance payments onbehalf of the relevant Member to a Service Establishment or that
the Service Establishment assigns the Receivables to the relevant
foreign credit card company, both in accordance with theagreement between the foreign credit card company and theService Establishment (In this case, such an assignment oradvance payment may be made through a third party that isdeemed appropriate by Trust Club.), in parallel with an advancepayment from Trust Club to the foreign credit card company.
2. Members hereby consent, in advance, to the advance payments forany of the items prescribed in the preceding paragraph by Trust Club.
In relation to the said advance payments, the Service Establishments
and Trust Club shall dispense with any notification and request forconsent to the relevant Member with respect to each advancepayment.
3. The amount of advance payment that Trust Club makes on behalf ofthe relevant Member pursuant to paragraph 1 of this Article shall be
the amount indicated on the relevant sales data or sales voucher
prescribed by Trust Club (the amount that is indicated on the relevant
order form or equivalent prescribed by the Service Establishment, incase of a mail-order purchase, etc.).
Article 32. (Type of Payment)
1. Cardholder Card Shopping Charges shall be paid in one lump-sum inprinciple. Neither one lump-sum payment at bonus time nor revolving
payment shall be available.
2. Members may not change the manner of payment of annual
membership fee, interest, fees, and delinquency charges to any
payment type other than one lump-sum payment.
Article 33. (Ownership of Goods)
The Members hereby acknowledge that Trust Club will retain
ownership of goods that the Cardholders purchase using the Card until
the obligations relating to these goods (including fees) are paid in full.
CHAPTER III Cash Advance Service Provisions
Article 34. (Cash Advance Service)
1. If Trust Club sets a cash advance/card loan credit line for a
Cardholder pursuant to the agreement between the relevant
Corporation and Trust Club, considering, upon examination of the
Corporation, that the setting of such a credit line is appropriate, theCardholder may use cash advance services within the said cash
advance/card loan credit line by operating cash dispensers andautomated teller machines in Japan and overseas that are associatedwith Trust Club ("Cash Dispensers") and withdrawing cash therefrom
in accordance with the prescribed procedures including but not limited
to the entry into the Cash Dispensers of his/her PIN that is registeredwith Trust Club.
2. In addition to the manner set forth in the preceding paragraph, aCardholder may use cash advance services by other means approvedby Trust Club. In this case, Trust Club shall remit the amount of cash
advance into the Cardholder's Payment Account for charges on thecard use and the date of such remittance shall be the date of use of
cash advance.
3. A Cardholder may take a cash advance through any of the foreign
financial institutions, etc. affiliated with the relevant associatedinternational organization at any of their premises designated by TrustClub in a manner including but not limited to the presentation of his/
her Card and passport as well as the signing of a designated voucher.
(1) For Diners Club Corporate Card, overseas Diners franchises(except some offices), partner organizations contracted with TrustClub and foreign Diners franchises, and overseas branches ofpartner financial institutions; or(2) For TRUST CLUB Corporate Card, overseas financial institutions,— 19 —

etc. partnered with international partnership organizations (except
Diners Club International).
4. A Member shall pay interest on a cash advance at the rate prescribedby Trust Club from the following day of the date of use to the Payment
Date of such cash advance. Matters including but not limited to theapplicable interest rate shall be as stated at the Appendix of theTerms and Conditions, which shall be notified to the Corporation by
Trust Club in a manner of document delivery set forth under the
Money Lending Business Law as well as any other means designatedby Trust Club including but not limited to a statement of charges to the
Cardholder. However, if the relevant Corporation and Trust Club agree
otherwise, such other agreement shall prevail. Trust Club may change
the interest rates for cash advance services and delinquency charges
on the ground of changes in the financial climate or any othercircumstances.
5. The amount of cash advance used, Payment Date of interest, mannerof payment, and currency conversion with respect to the amount in aforeign currency that is stated on a voucher for cash advance used
overseas shall be as set forth in the Terms and Conditions, etc.
6. A Member may make advanced repayments with respect to the whole
or a part of the outstanding balance of cash advance in a mannerseparately prescribed. In this case, the Member shall make a
repayment by the means of remittance of the amount designated by
Trust Club to the account designated by Trust Club on the datedesignated by Trust Club with prior notice to Trust Club. If the whole
or a part of the outstanding balance of cash advance is repaid in
advance, the interest for the period from the following day of the dateof use of cash advance to the date of advanced repayment on a prorated daily basis using 365-day a year (366-day for a leap year) shallbe payable in addition to the outstanding balance of cash advance.
7. Notwithstanding the provisions in the preceding paragraph, if any of
the following items applies, a Member acknowledges and agrees inadvance that early repayment of the whole or part of the Balance of
Use for cash advance may not be permitted:(1) if the cash advance data has not arrived at Trust Club;(2) if the closing date of the Balance of Use which early repayment isgoing to be executed has passed; or(3) if the Member remits the relevant amount into a deposit accountspecified by Trust Club without any prior notice.
(4) if the payment of the annual membership fee is not complete in amonth in which it is billed.
Article 35. (Cash Dispenser Usage Fee, etc.)
When using a Cash Dispenser, Members shall incur the applicablehandling charge specified by Trust Club, which shall not exceed the
maximum rate as defined in Article 2 of the Interest Rate Restriction
Act Enforcement Ordinance.

Agreeonsent Clause and Important Matters
Regarding Handling of Personal Information— 20 —

Appendix of Diners Club Corporate Card/
TRUST CLUB Corporate CardType
[Cash Advance/Card Loan Credit Line and Interest Rate, etc.]

Type

Diners Club
Corporate
Card

Payment
Period/Manner of
Number of
Payment
Payments/
Payment
Date
0.73% of the Principal and ■ Payment
Amount notbalance of
Period: 23
exceedinginterestdays to 59¥1,500,000, cash advance payable indays
as examined used (actual one lumpannual rate:(dependingandsumon thedetermined by 4.50% to
15.00%)
calendar
Trust Clubyear)/one<Calculation
lump sum
Cash
Advance/ Loan Interest
Card Loan
Rate
Credit Lineof interest>
Amount of
new lending x
0.73%(However, therate shall becalculated ona daily prorated basis foran early
payment.)<Calculationof actualannual interest
rate>Interest x 365
days (366days for aleap year) ÷payment
period ÷amount of
new lending■ Payment
Date: In
principle, thecalculationof balance of
use is closed
on the 15th
day of eachmonth andthe principal
and accrued
interest arepayable on
the 10th dayof thefollowing
month.
※ If thePayment
Date is not abusiness day
for financial
institutions,the payment
is due on thefollowingbusiness
day.

TRUST
CLUB
Corporate
Card

Payment
Period/Manner of
Number of
Payment
Payments/
Payment
Date
As examined 0.78% of the Principal and ■ Paymentbalance of
Period: 21
andinterestdays to 59
determined by cash advance payable inused (actual one lumpdays
Trust Clubannual rate:(dependingsum
4.80% toon the15.00%)
calendaryear)/one<Calculation
lump sum
Cash
Advance/ Loan Interest
Card Loan
Rate
Credit Lineof interest>
Amount of
new lending x
0.78%(However, therate shall becalculated ona daily prorated basis foran early
payment.)<Calculationof actualannual interest
rate>Interest x 365
days (366days for aleap year) ÷payment
period ÷amount of
new lending■ Payment
Date: In
principle, thecalculationof balance of
use is closed
on the 15th
day of eachmonth andthe principal
and accrued
interest arepayable on
the 10th (or8th for somefinancial
institutions)day of thefollowing
month.
※ If thePayment
Date is not abusiness day
for financial
institutions,the payment
is due on thefollowingbusinessday.

Collateral: Not required※ Trust Club may set credit lines for cash advance/Card Loan
exceeding the above.
(LC- 3146-202404)— 21 —— 22 —

Consent Clause and Important Matters
Regarding Handling of Personal Information<These consent clause (the "Consent Clause") and important matters(the "Important Matters") shall constitute a part of the Terms andConditions for Diners Club Corporate Card/TRUST CLUB Corporate
Card Membership (the "Terms and Conditions").>This English version of the Consent Clause shall be for reference
purpose only. If there is any inconsistency between the English andJapanese versions, the Japanese version shall prevail.
Article 1. (Collection, Holding, Use and Provision of Personal
Information)
1. Card applicants and Cardholders ("Cardholders, etc.") as well as
representatives of Corporations that are applicants and therepresentatives of Corporations that are members (including Program
Administrators and contact persons) ("Members, etc.") agree to thecollection, holding, use and provision by Trust Club of the information
set forth in the following items concerning themselves (the "Personal
Information"), for the purposes of making credit decisions,management after extending credit, provision of Supplementary
Services, provision to Corporations of information concerning card use
by Cardholders, etc., and handling of administration including but notlimited to the processing of Account Transfers, etc., and provision of
the Personal Information to third parties pursuant to consent by aMember, etc. or the Terms and Conditions, upon taking necessary
protection measures. Management after extending credit shall include
the confirmation of Card use, notification to Members of charges for
Card use (including any payment request in case of delinquency),
confirmation of contact details, and use for debt collection.
(1)Particulars of Members, etc., including but not limited to name, age,date of birth, address, telephone number, e-mail address, employer,
office telephone number, occupation, purpose of transaction, code/
number of a driver's license, etc., assets, income, debts, employee
number, department name to which he/she belongs, status ofresidential circumstances, information on the status of residence
that the Member etc. notifies to Trust Club at the time of
membership application; particulars that a Member, etc. notifies toTrust Club such as documents that are submitted; particulars that a
Member, etc. notifies to Trust Club pursuant to the Terms andConditions; and matters that become known to Trust Club throughtelephone inquiries or by any other means;(2)matters concerning the agreement between Trust Club and a
Member, etc., such as the date of membership application, date ofcontract, and credit line;(3)the date of application for use by the Cardholder, date of contract,name of Merchant, name of goods, contract amount, number ofpayments, ID or any other identity information, etc., the Card
activities and status of payments by a Cardholder and information
concerning credit line management (including the information that
Trust Club lawfully obtains from Merchants, etc. accepting thecredit cards);— 23 —(4) records of card use and payments, etc. by Members, etc. received
by Trust Club from the personal credit information agencies
prescribed in Article 2;(5) identification documents that Members, etc. submit to Trust Club
pursuant to the Act on Prevention of Transfer of Criminal Proceeds
and the identification procedures prescribed by Trust Club, and thematters stated therein;(6) matters stated in a document issued by a public organization that
Trust Club lawfully or properly obtains from a Member, etc. or the
public organization;(7) status of personal identification by Trust Club or a financial
institution, etc. at which a Payment Account is opened; and(8) In addition to the above, information obtained through the use ofTrust Club's website, information disclosed to the general public bymeans, including but not limited to the Internet, official gazettes(Kampo), or employee lists, and any other information (including
individual-related information) that Trust Club obtains in an
appropriate manner.
2. Members, etc. content to the use by Trust Club, upon taking
necessary protection measures, of the Personal Information listed in
items (1) to (3) in the preceding paragraph for the following purposes(detailed contents of operations are available on Trust Club's website,etc.):(1) notification of new products in credit-related operations and related
after-sale services;(2) market research and product development in credit-related
operations;(3) delivery of promotional materials and publications concerning creditrelated operations, and sales activities including but not limited totelemarketing; and(4) delivery of promotional materials and publications concerning sales
activities of entities including but not limited to the Merchants, etc.
3.Members, etc. consent to the use by the partnered companies (the"Joint User Companies") set forth in the following items, upon taking
necessary protection measures, of the separately specified Personal
Information.
(1)Sumitomo Mitsui Trust Holdings, Inc. and its consolidated
subsidiaries and equity method affiliated companies stated in its
annual securities report, etc. (we will handle the information incompliance with the Financial Instruments and Exchange Act andrelated laws and regulations if such shared use is restricted
thereby); and(2) Partnered companies with which Trust Club issues partner cards.
The names of the Joint User Companies, their addresses, thenames of their legal representatives, and the Personal Information tobe jointly used, and the purposes of the joint use are as describedin "About Joint Use of Personal Information" at our website below.
Diners Club Card
https://www.diners.co.jp/ja/privacy_law.html
TRUST CLUB Card
https://www.sumitclub.jp/ja/privacy/law.html
4.If a Member, etc. is admitted under the membership referral system
operated by Trust Club, the Member, etc. shall consent to thedisclosure by Trust Club of the fact of admission of the Member, etc.
to the referrer (being a Member) for the purpose of delivering a gift or
any other reward for the referral.
— 24 —

5. Members, etc., shall agree to the continued application of this Consent
Clause and these Important Matters for a period that Trust Club deems
appropriate after Member's withdrawal from the membership due toreasons including but not limited to the cancellation thereof.
6. Members, etc. shall agree to the provision of Personal Information to
public organizations, etc. if Trust Club is called upon to submit suchinformation pursuant to the provisions of laws and regulations and if
required for a public benefit equivalent thereto.
Article 2. (Inquiries to, Registration with, and Use of Personal Credit
Information Agencies)
1.Cardholders, etc. consent to Trust Club making inquiries to personalcredit information agencies (entities engaged in the business ofcollecting information concerning individuals' solvency and repayment
capacity and providing such information to their members; the"Agency") where Trust Club is a member, as well as personal credit
information agencies partnered with the Agency (the "Partner
Agencies"), when making transactional decisions relating to the Terms
and Conditions, and to Trust Club utilizing such information if Personal
Information (i.e., "Registered Information" column in the table below
with history, and includes information such as agreement details andstatus of repayment registered by the Agency' members; information
on dishonored bills/checks, information on bankruptcy and otherinformation published in official gazettes (Kampo), and information
published in telephone directories registered by Partner Agencies; andinformation registered at the request of the Japan Financial Services
Association) of Cardholders, etc. and spouse is registered, exclusively
for the purpose of assessing the solvency and repayment capacity ofCardholders, etc.
2. Cardholders, etc. consent to having information (i.e., information
contained in "Registered Information" column in the table below withhistory) designated by the Agency shall be registered with the Agency
for a period set forth in the“Registered Period”in the table below, andto having the information registered used by members of the Agency
and the Partner Agencies for capacity.
3. Cardholders, etc. consent to having information under Articles 2.1 and
2.2 exchanged among and used by the Agency, the Partner Agencies
and their respective members to the extent necessary for ensuring theprotection and proper use of the Personal Information, such as
maintaining such information accurate and up-to-date, processing
complaints, and Agency' monitoring their members’compliance withrules.
4. Contact information of the Agency (name, address, and telephone
number for inquiries), and information registered and period registeredat the Agency are as set out below. If Trust Club were to become amember with another personal credit information agency, Trust Club
shall give a separate notice in writing to the Members, etc. and obtain
their consent. The details such as Agency membership qualifications
and names of their member companies are available on its website.

160-8375
Telephone: 0120-810-414
Registered Information and Period Registered:(Please see the Agency's website, etc. for details.)
Registered
Period Registered
Information① Evidence for filing applications
Six (6) months from the date ofin relation to the Terms andinquiry by Trust Club
Conditions② Objective evidence on
For the duration of agreement andtransactions related to theup to five (5) years afterTerms and Conditions
termination of agreement
For the duration of agreement and③ Evidence of delinquency in
up to five (5) years after
payment of obligations
termination of agreement
5. The personal credit information agencies partnered with the Agency
are as follows. Any queries to the following Partner Agencies should
be made through the personal credit information agency in Article 2.4.
(1) Zenkoku Ginko Personal Credit Information Center (KSC)
https://www.zenginkyo.or.jp/pcic/【a personal credit information agency whose members are mainly
financial institutions and their affiliates】
1-3-1 Marunouchi, Chiyoda-ku, Tokyo 100-8216
Telephone: 03-3214-5020
Japan Credit Information Reference Center Corp. (JICC)
https://www.jicc.co.jp/【a designated personal credit information agency under the Money
Lending Business Act】
Sumitomo Fudousan Ueno Building 5
1-10-14 Kita-Ueno, Taito-ku, Tokyo 110-0014
Tel: 0570-055-955(2) CIC has established a network for mutual exchange of information(CRIN) with partners in order to prevent multiple debts. Trust Clubutilizes KSC and JICC's information through CIC.
6. The information registered with the personal credit information agencyof which Trust Club is a member (as set out in Article 2.4) is asfollows:
Name, date of birth, address, telephone number, employer, office
telephone number, driver's license and other codes, numbers andinformation for identification; the contract type, date of execution,
contract amount, loan amount, number of payments, and otherinformation on contracts; activity balance, balance of installment
purchases, scheduled amount of annual charges, Date of Payment,
date of full repayment, delinquency in payment, and other information
concerning the status of payments.

Credit Information Center Corp. (CIC)
https://www.cic.co.jp/【Designated personal credit information bureau under the Installment
Sales Act and the Money Lending Business Act】
Shinjuku First West 15F, 1-23-7 Nishi-Shinjuku, Shinjuku-ku, Tokyo

Article 3. (Disclosure, Correction and Deletion of Personal Information)
1. Member, etc. may request Trust Club, the Joint User Companies, or
the Agency to disclose the Personal Information concerning himself/
herself pursuant to the provisions of the Act on the Protection of
Personal Information. However, a disclosure request procedure
addressed to Trust Club or the Joint User Companies shall be made in— 25 —— 26 —

accordance with the provisions of "About Disclosure Request
Procedures for Retained Personal Data" at the following website ofours, and a disclosure request procedure addressed to the Agency
shall be addressed to the personal credit information agency set forthin previous Article 2.4.
Diners Club Card
https://www.diners.co.jp/ja/privacy_law.html
TRUST CLUB Card
https://www.sumitclub.jp/ja/privacy/law.html
2. In the event any information registered is found to be untrue, TrustClub and the Joint User Company shall promptly accept a request forcorrection or deletion.
Article 4. (No Consent to Handling of Personal Information and Request
for Suspension of Use/Provision of Personal Information)
1. If a Member, etc. does not wish to fill out matters required to apply formembership or does not consent to all or part of the handling of
Personal Information set forth in this Consent Clause and these
Important Matters, Trust Club may refuse membership or initiate
membership cancellation process. However, Trust Club shall notrefuse membership or cancel membership on the grounds that a
Member, etc. fails to give consent to Articles 1.2 and 1.3.
2. If a Member requests the suspension of use of the Personal
Information related to Article 1.2 and 1.3, Trust Club shall suspend
such to the extent operations are not affected and will exclude
delivery, etc. of Cards, statements of charges, etc. Members should
request suspension to the Customer Service at the end.
Article 5. (Use/Provision of Personal Information when Agreement is Not
Concluded or when Agreement is Terminated)
Even if the agreement between Trust Club and a Member, etc. fails toconclude, Trust Club may use and provide the fact that the Member,etc. applied to Trust Club for the membership pursuant to Article 1 andArticle 2.2 regardless of the reason for the failure of the agreement toconclude. Trust Club shall not, however, use or provide the fact in any
other manner whatsoever. Similarly, even if the agreement isterminated, Trust Club may use and provide personal information in thesame manner regardless of the reason for the termination.

*Please have your Card number and PIN at hand when you call.
(LC-3146-202404)【Contacts for Questions and consultations, etc.】
1. For questions or consultation concerning goods, etc., please contact
the Merchant where you used your Card.
2. For questions or consultation concerning the details of Card activity,
please call our Call Center at the number below.
Diners Club
Telephone: 0120-074-024
TRUST CLUB Card
Telephone: 0120-003-081
3. For any request to stop delivery of promotional materials or brochures,or questions related to the disclosure, correction or deletion of
Personal Information, or questions about documents related to defense
for withholding payment, please contact the call centers above.
4. For dispute resolution regarding money lending services, pleasecontact the following:(The designated dispute resolution organization contracted with Trust
Club:)
Money Lending Business Consultation and Dispute Resolution
Center, Japan Financial Services Association
3-19-15 Takanawa, Minato-ku, Tokyo 108-0074
Telephone: 03-5739-3861
Sumitomo Mitsui Trust Club Co., Ltd.
Headquarters:Triton Square Building X, 1-8-10 Harumi, Chuo-ku, Tokyo
Diners Club : www.diners.co.jp
TRUST CLUB Card : www.sumitclub.jp
LC-3146-202404
HOTC006E
April 1, 2024 Edition

Article 6. (Amendment to Provisions)This Consent Clause and these Important Matters may be amended tothe extent required in accordance with the procedures set forth under
the applicable laws and regulations, etc.
■ Please contact the following for any request for disclosure orsuspension of use of Personal Information:<Customer Service>
Triton Square Building X, 1-8-10 Harumi, Chuo-ku, Tokyo
104-6035
Telephone: 03-6852-0935
If the above line is busy, please call the following Call Center number:◆ Diners Club
Telephone: 0120-074-024◆ TRUST CLUB Card
Telephone: 0120-003-081— 27 —— 28 —