PRESTIA MULTIMONEY ACCOUNT CUSTOMER AGREEMENT
In the event that the Depositor effects any Account Transactions arising under or relating to a
PRESTIA MultiMoney Account with SMBC Trust Bank, the Depositor shall be bound by theGeneral Agreement and this PRESTIA MultiMoney Account Customer Agreement (including theTerms and Conditions for PRESTIA MultiMoney Account Deposits, the "PRESTIA MultiMoney
Account Agreement"). If there is any discrepancy between the General Agreement and the
PRESTIA MultiMoney Account Agreement, the latter shall prevail.
Any term defined in Transactional Agreements may mean the same in this terms and conditions(agreement) unless otherwise specified.

Article 1. PRESTIA MultiMoney Account Transactions
1.

Yen Savings Deposits, Foreign Currency Savings Deposits, Foreign Currency Time Deposits,
Deregulated Interest Yen Time Deposits -M Type (Super Teiki), Deregulated Interest Yen
Time Deposits (Oguchi Teiki), Premium Deposit and other deposits that SMBC Trust Bank
stipulates in the PRESTIA MultiMoney Account (each a "Deposit"), and overdraft "PRESTIA
MultiMoney Credit" transactions secured by each Deposit (the "Overdraft") shall becollectively referred to as the "PRESTIA MultiMoney Account Transactions". The Overdraft
may be available only to the individual customers as provided for in Article 3, and to corporate
customers which have entered into an agreement with SMBC Trust Bank separately.

2.

The Depositor hereby confirms that he/she fully understands and acknowledges thepossibility of occurrence of gains or losses due to foreign exchange fluctuations in effecting
PRESTIA MultiMoney Account Transactions. SMBC Trust Bank shall not be liable except in
the case of negligence on SMBC Trust Bank for any loss incurred by the Depositor due toexchange fluctuations.

3.

In the event that SMBC Trust Bank determines that any PRESTIA MultiMoney AccountTransaction is in conflict with applicable Laws or with SMBC Trust Bank's internal audit orloan regulations, etc., that SMBC Trust Bank deems it necessary to prevent fraudulent
transactions or abuse of SMBC Trust Bank's services, or that SMBC Trust Bank deems it
necessary due to its own business reasons, SMBC Trust Bank may limit, suspend, or cancel
all or part of said PRESTIA MultiMoney Account Transactions including foreign exchangetransactions.

4.

SMBC Trust Bank shall effect any calculations in relation to PRESTIA MultiMoney AccountTransactions by such calculation methods as SMBC Trust Bank shall prescribe. The details
of Deposits, etc. shall be as provided separately.

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Article 1-2. Refusal of Transactions with Anti-social Forces
This Account may be used only when the Depositor does not fall into any of Item 1, Item 2
or Item 3 of Article 13, Paragraph 1. If the Depositor falls into any of such Items, SMBC Trust
Bank shall not open an account for the Depositor and may restrict or suspend AccountTransactions with the Depositor.

Article 2. Deposits and Withdrawals, Etc.
1.

The Depositor may transfer funds between Deposits, deposits by means of cash, travellers
checks, checks, etc. and payments for the Overdraft, all in relation to a Deposit at a Branchor other office of SMBC Trust Bank in Japan which handles each such transfers, deposits,
and payments, respectively. In the event that the Depositor deposits by cash in foreign
currency to foreign currency deposit, the Depositor shall pay such fees as SMBC Trust Bank
shall prescribe.

2.

Withdrawals of Deposit (including cases where the Overdraft is used) may be made at thecounter of a Branch handling the business of withdrawal, by use of a cash card through an
ATM, or by transfer to an Account of another Deposit by telephone, PRESTIA Online,
PRESTIA Mobile, and shall follow the provisions hereunder.
(1) SMBC Trust Bank shall accept a request for withdrawal made at a Branch counter only
when the seal or signature placed on a withdrawal request form or personal identification
number inputted into a PIN PAD corresponds with the seal or signature or personal
identification number registered with SMBC Trust Bank in advance.
(2) SMBC Trust Bank may accept a request for withdrawal through an automated machine
only when the personal identification number used in operating the automated machine
matched the personal identification number registered in advance with SMBC Trust
Bank (and/or through other ways of customer identification prescribed by SMBC Trust
Bank).The use of a cash card shall follow the "GLOBAL PASS Membership Terms andConditions" that SMBC Trust Bank prescribes separately.
(3) SMBC Trust Bank shall accept a request for withdrawal made by telephone only when
personal identification number inputted by telephone corresponds with the T-PIN, orwhen SMBC Trust Bank completes verification of such personal identity in such amanner as SMBC Trust Bank shall prescribe. In such cases, SMBC Trust Bank may
omit requesting the Depositor to submit to SMBC Trust Bank a withdrawal request form
or a check, etc.
(4) SMBC Trust Bank shall accept a request for withdrawal made by PRESTIA Online or
PRESTIA Mobile only when the User ID and Password for PRESTIA Online and
PRESTIA Mobile inputted through the communications equipment correspond with the

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registered User ID and Password (including the case where any conditions designatedby SMBC Trust Bank are met). In such cases, SMBC Trust Bank may omit requesting
the Depositor to submit to SMBC Trust Bank a withdrawal request form or a check, etc.
3.

In the event that a withdrawal is made in cash, SMBC Trust Bank shall pay the equivalentamount in Japanese Yen, US Dollar, Euro or other currency designated by SMBC Trust Bank
pursuant to Article 10. In the event that the Depositor withdraws cash in foreign currency
from foreign currency deposit, the Depositor shall pay such fees as SMBC Trust Bank shallprescribe.

Article 3. Overdraft
1.

Except for corporate customers that enter into separate agreements with SMBC Trust Bank,
only residents of Japan who are not younger than eighteen (18) years of age and who havecompleted the procedures prescribed by SMBC Trust Bank are eligible for the Overdraft, andany other Depositor may not, regardless of the "available credit line" as noted in thestatement of account, use the Overdraft. The maximum amount of Overdraft shall becalculated by the method provided in Paragraph 2 of this Article, based on the Deposits as
collateral except for those deposits to be prescribed by SMBC Trust Bank. The Overdraft
shall be made by deposit or the remittance of money to the Account of a Deposit designatedin advance or shall be paid in cash. In the case of remittance of money to another bank, theDepositor shall pay SMBC Trust Bank such remittance charge as SMBC Trust Bank shallprescribe. SMBC Trust Bank may, upon the Depositor's use of the Overdraft, request the
Depositor to make a report to SMBC Trust Bank of the purpose of the Overdraft, whether
he/she has any experience of loans or other similar transactions, and the status of his/herproperty, etc. In the event that SMBC Trust Bank determines that it is not appropriate for the
Depositor to use the Overdraft, SMBC Trust Bank may refuse permission for the Overdraft.

2.

The maximum amount of Overdraft, shall be the smaller of (1) in the event that the currencyof a Deposit held as collateral for the Overdraft is Japanese Yen, the amount of said Deposit
multiplied by such a rate as SMBC Trust Bank shall prescribe (said rate may be changed at
the discretion of SMBC Trust Bank), and in the event that the currency of said Deposit is not
Japanese Yen, the amount converted into Yen by application of SMBC Trust Bank's
telegraphic transfer buying rate for reference applicable to customers, or SMBC Trust Bank's
telegraphic transfer buying rate applicable to customers at the time of execution of theOverdraft, multiplied by such a rate as SMBC Trust Bank shall prescribe (said rate may bechanged at the discretion of SMBC Trust Bank) or (2) the Yen equivalent capped amountdetermined by SMBC Trust Bank procedure. In the event that the currency used for theOverdraft is not Japanese Yen, SMBC Trust Bank shall calculate the amount of Overdraft

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(the "Overdraft Amount") in Japanese Yen by applying SMBC Trust Bank's telegraphictransfer selling rate for reference applicable to customers, or SMBC Trust Bank's telegraphictransfer selling rate applicable to customers at the time of execution of the Overdraft. The
amount of any securities, etc. deposited shall be excluded from the amount of deposits as
collateral until they are settled.
3.

The Depositor shall create a pledge on Deposit as collateral for the Overdraft Amount andshall fulfill the procedures which SMBC Trust Bank deems necessary therefor.

4.

In the event that there is any change in the financial circumstances, or necessity ofpreservation of receivables, etc., and SMBC Trust Bank decides reasonably that the use of
Overdraft is inappropriate for any reason whatsoever, or SMBC Trust Bank gives reasonable
notice, SMBC Trust Bank may reduce the maximum amount of Overdraft, suspend a new
Overdraft, or cancel the Overdraft. In the event that the Overdraft is suspended or cancelled,the Depositor shall forthwith pay SMBC Trust Bank the principal of the Overdraft and interest
accrued thereon, and in the event that the maximum Overdraft amount is reduced, theDepositor shall forthwith pay SMBC Trust Bank the principal of the Overdraft and the interest
thereon in excess of the reduced maximum amount of Overdraft.

5.

Even when funds are deposited or remitted into a Deposit, if there is any remaining balanceof Overdraft Amount, SMBC Trust Bank will not appropriate such funds for repayment of theOverdraft Amount unless the Depositor specifically instructs SMBC Trust Bank to do so.

6.

In the event that any Deposit held as collateral for the Overdraft Amount is cancelled,
attached, or provisionally attached, SMBC Trust Bank shall deduct the full amount of such
Deposit and recalculate the maximum amount of Overdraft as provided in Paragraph 2 withrespect to the remaining Deposit, and the Depositor shall create security for the Overdraft
Amount by the same method as provided in Paragraph 3.

Article 4. Dormant Account
The provisions regarding a Dormant Account in Article 3 of the General Agreement shallapply mutatis mutandis to the PRESTIA MultiMoney Account.

Article 5. Deposit Interest and Overdraft Interest, Etc.
1.

SMBC Trust Bank shall calculate and pay interest on a Deposit in such a manner as SMBC
Trust Bank shall prescribe separately for each Deposit. The calculation of interest shall bemade at the rate of deposit to be prescribed by SMBC Trust Bank for the actual number ofdays deposited and a year of (i) 365 days (or 366 days in a leap year for a deposit period of
no less than two (2) years) in case the deposit currency is Japanese Yen, and (ii) 360 daysor 365 days (as determined by SMBC Trust Bank) in case the deposit currency is a foreign

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currency.
2.

Interest on an overdraft shall be calculated by SMBC Trust Bank at the overdraft interest rate
to be prescribed by SMBC Trust Bank in units of one Yen (JPY1) when the currency used isJapanese Yen, and in one currency unit or two decimal places of the unit of the currency to
be used when said currency is a foreign currency. Using a year of 365 days, calculation isbased on the daily calculation based on the number of days of the overdraft over the period
from the first business day of each month to the day before the first business day of thefollowing month, and the prescribed overdraft rate, and the interest shall be incorporated in
the balance at the first business day of the following month irrespective of the currency. In
the event that the amount after such incorporation exceeds the maximum amount of
Overdraft, the Depositor shall, forthwith upon SMBC Trust Bank's request, pay such excess
to SMBC Trust Bank.

3.

The interest rate of the Overdraft shall be prescribed by SMBC Trust Bank. SMBC Trust Bank
may change the interest rate due to changes in financial circumstances, etc. In the case ofa change in the interest rate, SMBC Trust Bank shall either notify the Depositor thereof orindicate said change at a Branch counter, and the changed interest rate shall apply from thedate of said notice or indication (or from a date as designated thereafter by SMBC Trust
Bank).

Article 6. Collateral
1.

The Depositor may cancel or withdraw money from the Deposit(s), which is held as collateral
for the Overdraft and which SMBC Trust Bank approves, unless the balance of the Overdraft
Amount after such cancellation or withdrawal exceeds the maximum amount of Overdraft.

2.

In the event that the collateral value of a Deposit decreases due to foreign exchange
fluctuations, etc. and SMBC Trust Bank finds that exists a rational reason that requires thepreservation of receivables, the Depositor shall forthwith add further collateral upon SMBC
Trust Bank's request or repay to SMBC Trust Bank the amount of the balance of the Overdraft
Amount in excess of the maximum amount of Overdraft.

Article 7. Immediate Payment
1.

The Depositor shall forthwith repay the principal of the Overdraft and the interest thereon to
SMBC Trust Bank without any request from SMBC Trust Bank if, with respect to the Depositor
or his assets:(1) an order or notice of provisional attachment, preservative attachment, or attachment isdispatched;(2) the Depositor becomes unable to pay his debts, a petition is filed by or against the

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Depositor for bankruptcy, or for the commencement of procedures for civil rehabilitation,
corporate reorganization, company arrangement or special liquidation, or any othersimilar procedures;(3) the Depositor becomes subject to the suspension of transactions at the Clearing House;(4) SMBC Trust Bank becomes aware that an inheritance commences;(5) the Depositor's whereabouts become unknown to SMBC Trust Bank due to the
Depositor's failure to notify SMBC Trust Bank of change of address, etc.; or(6) the ratio of the balance of the Overdraft Amount to the total amount of all Deposits
reaches eighty-five percent (85%).
(7) Any Account of the Depositor is terminated pursuant to Paragraph 3 of Article 10 of theGeneral Agreement.
2.

The Depositor shall, forthwith upon SMBC Trust Bank's request, repay the principal of theOverdraft and the interest thereon to SMBC Trust Bank if, in respect of the Depositor or its
assets:(1) the Depositor fails to pay any of his debts to SMBC Trust Bank when due, whether or
not they are related to a PRESTIA MultiMoney Account Transaction; or(2) there arises a reasonable cause (other than as set forth in the preceding (1)) which
necessitates the preservation of receivables.

3.

If any of the events set forth in sub-paragraph 1 to 6 of Paragraph 1 occurs, SMBC Trust
Bank may, without the Depositor's consent or notice to the Depositor, cancel all or part of the
Deposit, regardless of the agreement relating to any Deposit (including automatic renewal ofa time deposit in the type of automatic renewal.) In such a case, SMBC Trust Bank may
request the Depositor to pay such cancellation expenses as SMBC Trust Bank shallreasonably determine.

Article 8. Setoff
1.

In the event that the Depositor fails to perform any of the Depositor's debts to SMBC Trust
Bank under PRESTIA MultiMoney Account Transactions or other transactions with SMBC
Trust Bank (including forward foreign exchange contract transactions as provided in Article11), SMBC Trust Bank may set off such debts (including interest and damages, etc.) against
any Deposit and any of the Depositor's other receivables to SMBC Trust Bank at any timeeven before the maturity date of such Deposit or receivables.

2.

In the case of setoff as provided for in the preceding Paragraph, SMBC Trust Bank may,without prior notice to the Depositor and/or without taking any prescribed procedures, makewithdrawals from any Deposit or any of the Depositor's other receivables to SMBC Trust
Bank and may apply the money so withdrawn to the payment for debts owed to SMBC Trust

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Bank.
3.

In the case of setoff as provided for in the preceding two Paragraphs, Articles 9 and 10 shallapply if the currencies, etc. of the receivables and of the debts which are subject to setoff aredifferent, and SMBC Trust Bank shall calculate the interest on those receivables and debts
up to the date when the calculation is made and the agreed interest rate shall apply to thetime deposit; however, in the case of a deposit which may be cancelled before the maturity
date such as a Yen time deposit, the interest rate for cancellation which SMBC Trust Bank
shall prescribe shall apply.

4.

In the case of setoff pursuant to Paragraphs 1 and 2, the cancellation expenses of a Deposit
shall be included in the Depositor's debts to SMBC Trust Bank.

Article 9. Designation of Appropriation
In the event that the debts to SMBC Trust Bank are repaid by setoff or other methods andthe repayment amount is not sufficient to pay for all debts due to radical fluctuations in foreignexchange rates, etc., SMBC Trust Bank may appropriate the amount of said repayment insuch order and in such a manner as SMBC Trust Bank deems appropriate.

Article 10. Foreign Exchange Rates, Etc.
In the event that all or part of a Deposit is withdrawn and converted into another currency,
the repayment of debts to SMBC Trust Bank by setoff etc. is made, or the currency isconverted and a Deposit is transferred to another Deposit upon conversion of the currency,
SMBC Trust Bank shall comply with such timing and procedure, and apply such a rate offoreign exchange as SMBC Trust Bank shall prescribe. If the amount of one single PRESTIA
MultiMoney Account Transaction to which the publicly-announced rate of foreign exchange
to be prescribed by SMBC Trust Bank applies, or the total amount of more than one PRESTIA
MultiMoney Account Transaction to which such rate of foreign exchange applies, is equal toor more than the amount to be designated by SMBC Trust Bank, SMBC Trust Bank may
apply the rate to be designated by SMBC Trust Bank at the time of said PRESTIA MultiMoney
Account Transaction instead of said publicly-announced rate. A Depositor who wishes tomake deposit with a Deposit shall, upon conversion of the currency of the funds he/she owns
into a different currency, make said deposit after converting the funds into the desired
currency for deposit; however, the Depositor may not cancel the agreed upon currency
conversion transaction (if any) (including foreign deposit transactions) without SMBC Trust
Bank’s prior consent.

Article 11. Forward Foreign Exchange Contract<Deleted>

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Article 12. Setoff from Depositor in the Event of Insurable Contingency
1.

Yen Deposits and Foreign Currency Deposits received for Account Transactions may be
setoff before the maturity date pursuant to the provisions of the paragraphs of this Article in
the event of an "Insurable Contingency" as defined in the Deposit Insurance Law. The same
shall apply when Deposits are secured by pledges, etc. as collateral for Depositor's debt to
SMBC Trust Bank, or as collateral for a guarantee by Depositor of a third party's debt to
SMBC Trust Bank.

2.

The following procedure shall apply in the event of setoff made pursuant to the preceding
paragraph:（1） A notice of setoff shall be made in writing and Depositor shall designate the order ofpriority and manner in which the setoff takes place when there are multiple numbers ofborrowings, place his/her signature or registered seal on the notice, and send it without
delay to SMBC Trust Bank together with the bankcard. However, in cases where thesetoff causes the checking account overdraft to exceed the overdraft limit based on thedeposit amount after the setoff, the amount exceeding the checking account overdraft
limit shall have priority and allocation shall be made to the checking account overdraft.
However, when there is debt secured by this deposit, the setoff will be made from thisdebt, or in case the debt is an obligation by a third party to SMBC Trust Bank, from the
Depositor's guaranteed obligation.
（2） In the absence of the designation prescribed in the preceding item, the setoff shall bemade in the order designated by SMBC Trust Bank.
（3） If the designation made in pursuance of the preceding item (1) could hinder thepreservation of the claims, SMBC Trust Bank may object without delay and designate
the order and manner in consideration of the security, guarantee and other conditions.

3.

The following shall apply to the interest, etc. in the event of setoff made in pursuant toParagraph 1:（1） As for the calculation of the interest of time deposits, the period shall be until one dayprior to day the setoff notice was received by SMBC Trust Bank and the agreed interest
rate shall apply to the interest rate.
（2） As for the calculation of the interest, discount charge, delay damages, etc., of the debts
including borrowings, the period shall be until the day the setoff notice was received by
SMBC Trust Bank and the interest provisions prescribed by SMBC Trust Bank shallapply. Handling of the damages, etc. caused by prepayment of the borrowing, etc. shallbe pursuant to the provisions prescribed by SMBC Trust Bank.

4.

With respect to foreign exchange market in the event of setoff made pursuant to Paragraph

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1, the market at the time of the calculation made by SMBC Trust Bank shall apply.
5.

If there is a separate provision for the procedure of prepayment of borrowings in the event ofsetoff made in pursuance of Paragraph 1, that provision shall apply. However, the setoff canbe made even in cases where restrictions exist, including requiring SMBC Trust Bank's
approval for prepayment of borrowing, etc.

Article 13. Termination, etc.
1.

When any of the items below applies and when it is inappropriate to continue withTransactions with the Depositor, SMBC Trust Bank shall suspend the PRESTIA MultiMoney
Account Transactions or, upon giving a notice to the Depositor, terminate the Account. In
cases where SMBC Trust Bank terminates the Account by notice, if SMBC Trust Bank sends
a notice of termination to the name and address that the Depositor has reported to SMBC
Trust Bank, such notice shall be deemed to arrive at the Depositor at the time when delivery
would normally occur, and the Account will be terminated at the time, regardless of whether
notice is delayed or is not delivered due to the fault of the Depositor.
(i)

When it has become clear that the Depositor made false statements with regard torepresentations and warranties at the time of application for account opening.

(ii)

In case the Depositor has been found out to fall under any of the categories of, fall under
any of an organized crime group; a member of an organized crime group; a former
member of an organized crime group who has withdrawn from that group but less than
5 years have passed since; a quasi-member of an organized crime group; a relatedcompany or association of an organized crime group; a corporate racketeer; a rogue
person proclaiming himself/herself as a social activist; an organized special intellectual
crime group; and any other person or entity equivalent to any of the foregoing (“AntiSocial Forces”) or fall under any of the following categories:
A.

an entity having such relationship with Anti-Social Forces that indicates the controlof Anti-Social Forces over the entity’s management;B.

an entity having such relationship with Anti-Social Forces that indicates thesubstantial involvement of Anti-Social Forces in the entity’s management;C.

an entity having such relationship with Anti-Social Forces that indicates reliance on
Anti-Social Forces for the purpose of unfairly benefiting itself or third parties, or ofdamaging third parties;

D.

an entity having such relationship with Anti-Social Forces that indicates provisionof funds, benefits or services from the entity to Anti-Social Forces; and;E.

an entity where any of the directors and officers or other personnel substantiallyinvolved in its management is engaged in socially condemnable relationship with

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Anti-Social Forces.
(iii) In case the Depositor is engaged in any of the following acts directly or by utilizing athird-party:A.

violent demands;

B.

undue demands beyond its legal entitlement;C.

the use of threatening statement or violence in connection with the transactions;D.

acts damaging credibility of the other party or obstructing the other party’s businessthrough the spread of false information or the use of fraudulent practices; andE.

2.

any other act similar to any of the foregoing

In addition to the preceding paragraph, SMBC Trust Bank may, at its own discretion,
terminate any Account with a rational reason when it determines that the Account should beterminated.

3.

In the event that any balance remains after an Account shall be terminated pursuant to anyof the two preceding Items, SMBC Trust Bank shall be released from any and all
responsibilities in respect of such Account by delivering by mail to the Depositor of a checkthat is payable to the order of the Depositor in the amount of such balance. SMBC Trust Bank
may assign to a third party the principal of and interest on any overdrafts or other debts
owned to SMBC Trust Bank.

4.

In the event that SMBC Trust Bank terminates Account Transactions pursuant to this Article,
Depositor shall be liable for any loss or damage, or costs and expenses, and SMBC Trust
Bank shall not be liable except in the case of negligence on SMBC Trust Bank for any loss
or damage, or costs and expenses incurred by the Depositor, in connection with thetermination.

Article 14. Last Change Date, Etc. Pertaining to the ACT on Utilization of Dormant Deposits
1.

Regarding yen deposits within this deposit transaction, the last change date, etc. in the ACT
on Utilization of Dormant Deposits shall be the latest date out of the following:（1） Date of last change listed in SMBC Trust Bank's website (change reason pertaining to
the dormant deposit)（2） Date specified in the following paragraph as the date on which the claims pertaining to
the deposit are expected to be exercised, for items stipulated in the following paragraphas reasons the claims pertaining to deposits in the future are expected to be exercised（3） Date on which SMBC Trust Bank issued a notification to the depositor, etc. regarding
matters stipulated in Article 3 Paragraph 2 of the ACT on Utilization of Dormant Deposits.
However, this is limited to cases where the notification reached the depositor or cases

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where one month passed from the issue date of the notification (excluding cases where
the notification was returned not by the depositor's intention by the date after one month
passed, or the date on which SMBC Trust Bank informed the Deposit Insurance
Corporation in advance, whichever is later).
（4） Date on which this deposit has resulted in any of the cases set forth in the items in
Article 2 Paragraph 2 of the ACT on Utilization of Dormant Deposits
2.

The reasons the claims pertaining to deposits in the future are expected to be exercised in
Paragraph 1 Item 2 shall refer only to the reasons listed in the following items, and the dateon which the claims pertaining to the deposit are expected to be exercised shall be the dateset forth in the following items, in accordance with the reasons specified in the respective
items.
(1) Last date of Deposit Period, Calculation Period or Redemption Period (first maturity datein case of the deposit with automatic renewal)(2) Payment was suspended for this deposit due to orders or measures based on laws,
regulations, or contracts: Date on which the payment suspension was canceled(3) This deposit was subject to compulsory execution, provisional seizure, or disposition fordelinquent payment of national taxes (including disposition by the example): Date on
which the procedure was completed(4) Acceptance of transfer based on laws or contracts, account transfers or other deposits
or withdrawals are being scheduled or have been scheduled (however, limited toscheduled deposits/withdrawals of which SMBC Trust Bank is aware): Date on which
the deposit/withdrawal was made or date on which it was established that thedeposit/withdrawal would not be made(5) The reasons listed in the preceding items occurred for yen deposit in this deposit
transaction or other deposits based on the Yen Savings Account Customer Agreement:
Date of the last change pertaining to other deposits

3.

For deposits that are not subject to the ACT on Utilization of Dormant Deposits within thisdeposit transaction, the last change date, etc. shall refer to the starting date of the period inwhich it turns into a dormant account in Article 3 Paragraph 1 of the General Terms andConditions, and Paragraph 1 and Paragraph 2 shall apply mutatis mutandis for the lastchange date, etc. However, Items 1, 3, and 4 in Paragraph 1 shall be replaced as follows.
(1) For deposits that are not subject to the ACT on Utilization of Dormant Deposits, the dateon which the reason processed as a change was the last out of the changes listed in
SMBC Trust Bank's website (change reason pertaining to the dormant deposit)(3) Date on which SMBC Trust Bank issued the dormant account notification to thedepositor. However, this is limited to cases where the notification reached the depositor

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or cases where one month passed from the issue date of the notification (excluding
cases where the notification was returned not by the depositor's intention by the dateafter one month passed).
(4) The date this deposit account was opened In addition, Item 5 in Paragraph 2 shall be
replaced as follows.
(5) The reasons listed in the preceding items occurred for deposit in this deposit transaction
or other deposits based on the Yen Savings Account Customer Agreement: Date of thelast change pertaining to other deposits

Article 15. Handling of substitute money for the dormant deposits
1.

If there is no long-term transaction with respect to the yen portion of the deposit, the claim
pertaining to this deposit will be extinguished based on the Act on Utilization of Dormant
Deposits and Depositors shall have claims for substitute money for dormant deposits against
Deposit Insurance Corporation for Japan.

2.

In the case referred to in the preceding paragraph, the Depositor can request payment of
substitute money for the dormant deposits associated with this deposit via the SMBC Trust
Bank. In this case, when the SMBC Trust Bank accepts, the Depositor can receive paymentof substitute money for a dormant deposit by acquiring the deposit claim held against the
SMBC Trust Bank.

3.

In the case of Paragraph 1, Depositors shall entrust SMBC Trust Bank beforehand withrequests and payment pursuant to Article 7, Paragraph 2 of the Act on Utilization of Dormant
Deposits when the following events occur:(1) With respect to this deposit, deposits from third-parties or deposits from the SMBC Trust
Bank by means of transfer, direct debit or other methods based on obligations stipulated
in laws and ordinances or contracts (excluding those pertaining to payment of interest).
(2) With respect to this deposit, a notice of a bill or check or a request for payment of aclaim by a third-party has occurred (provided the SMBC Trust Bank is able to understandthe request for payment).
(3) Compulsory execution of a claim with the objective of payment of substitute money fordormant deposits associated with this deposit, provisional seizure, or procedure forcollection of national tax delinquency (including the procedure according to thisexample)(4) Partial payment of substitute money for dormant deposits related to this deposit

4.

SMBC Trust Bank requests payment of substitute money for dormant deposits according toParagraph 3 on behalf of Depositors provided the following are satisfied.
(1) The SMBC Trust Bank has been entrusted with payment operations by the Deposit

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Insurance Corporation for Japan for substitute money for dormant deposits associatedwith this deposit(2) In the event that the reasons listed in Paragraph 3.2 occur in relation to this deposit,
request the Deposit Insurance Corporation for Japan to pay substitute money fordormant deposits as a response to the request for payment(3) In the case of handling in accordance with the preceding paragraph, payment shall bemade according to the method of acquiring the deposit claim that the Depositor held
against the SMBC Trust Bank.

TERMS AND CONDITIONS FOR PRESTIA MULTIMONEY ACCOUNTDEPOSIT
These "Terms and Conditions for PRESTIA MultiMoney Account Deposit" constitute part of the"PRESTIA MultiMoney Account Customer Agreement" and provide for the handling of Deposits
held in the PRESTIA MultiMoney Account.
Any term defined in Transactional Agreements may mean the same in this terms and conditions(agreement) unless otherwise specified.

I. Foreign Currency Savings Deposit
1.

Conditions for Commencement of Transaction(1) The Depositor may deposit foreign currencies as permitted by SMBC Trust Bank only.
(2) SMBC Trust Bank may request, at the commencement of transaction, that the Depositor
deposit such an amount as SMBC Trust Bank shall prescribe.

2. Interest on the Deposit
Interest on the Deposit shall be calculated in relation to the final balance on each day (theamount of any securities, etc. deposited shall be excluded from said balance until they aresettled) by SMBC Trust Bank in single units of the deposit currency or to two decimal places
thereof at the rate prescribed by SMBC Trust Bank, and this month interest shall beincorporated into the principal of the deposit at the first business day of next month. Theinterest rate may change due to changes in financial circumstances, etc.

II. Foreign Currency Time Deposit
1.

Conditions for Commencement of Transaction(1) The Depositor may deposit foreign currencies as permitted by SMBC Trust Bank only.
(2) The minimum deposit required for the commencement of transactions shall be an
amount equivalent to One Hundred Thousand Yen (JPY100,000) or more, either in units

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of the relevant foreign currency or to two decimal places thereof.
2.

Term of Deposit
The term of a time deposit shall be 3, 6 or 12 months or other periods as SMBC Trust Bank
shall prescribe separately for each currency.

3.

Interest on the Deposit(1) SMBC Trust Bank shall calculate interest on the Deposit at the rate prescribed by SMBC
Trust Bank for the deposit term and as of the date of deposit (in the case of renewal, thelatest renewal date).
(2) Interest shall be calculated in single units of one deposit currency or to two decimal
places thereof.
(3) SMBC Trust Bank shall pay the interest due on the maturity date or on the interest
payment dates designated by SMBC Trust Bank; however the Depositor may choose toreceive interest monthly only at the time of establishing the foreign currency time deposit
for the deposit term designated by SMBC Trust Bank. In the event that the Depositor
has selected to receive interest monthly, he/she may not change the currency that waschosen at the time of deposit in order to receive interest.

4.

Deposit Payment and Renewal to Foreign Currency Time Deposit
Unless the Depositor gives prior instructions for automatic renewal to SMBC Trust Bank,SMBC Trust Bank shall pay the principal and accrued interest of the Deposit on the maturity
date or, in the case of interest, on the interest payment date designated by SMBC Trust Bank.
In such case, the payment shall be made by crediting the principal and accrued interest to asavings deposit held in the same currency unless there is any prior designation. In principle,
the funds are available for withdrawal from the maturity date. In the event that the Depositor
gives instructions for automatic renewal, SMBC Trust Bank shall renew the Deposit on thematurity date according to the Depositor's instructions for the same term. In such case, theinterest rate for a time deposit held in the same currency and for the same term as of thedate of automatic renewal shall apply; however SMBC Trust Bank is not required to deal withthe automatic renewal of time deposits for a certain deposit term.

5.

Cancellation before the Maturity Date
The Depositor may not request cancellation of the deposit before the maturity date, exceptthat SMBC Trust Bank determines cancellation before the maturity date is unavoidable. In
the event that SMBC Trust Bank determines cancellation before the maturity date isunavoidable, SMBC Trust Bank shall accept cancellation for only the full amount of thedeposit, calculate interest due for the period from the date of deposit (in case of renewal, thelatest renewal date, and in case of monthly interest payment, the latest date of interest
payment) until the day before the cancellation date based on 365 days a year at the interest

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rate of a savings deposit held in the same currency and shall pay said interest to the
Depositor together with the principal of said deposit on the cancellation date. Depositor may
be required to pay settlement fee due to changes in financial circumstances, etc.

III. Deregulated Interest Time Deposit-M Type (Super Teiki)1.

Conditions for Commencement of Transaction(1) The Depositor can make a deposit in Japanese Yen only.
(2) The minimum amount required for making a deposit is One Hundred Thousand Yen(JPY100,000) in units of 1 Yen.

2.

Term of Deposit
The term of deposit shall be as prescribed by SMBC Trust Bank separately.

3.

Interest on the Deposit(1) Interest on the deposit shall be calculated based on the term of deposit and the interest
rate determined on the date of deposit (or in case of renewal, the latest renewal date)(the "Contracted Rate"). Interest shall be calculated on a prorated daily basis for 365
days a year (if the term of deposit is not less than two (2) years, 366 days in case of aleap year).
(2) SMBC Trust Bank shall pay the interest due together with the principal on the maturity
date. However, the interest on deposits with a term of two (2) years shall be paid asfollows:①

The interim interest amount due on the date twelve (12) months from the date ofdeposit (the "Interim Interest Payment Date"), calculated by multiplying seventy
percent (70%) of the Contracted Rate by the number of days from the date ofdeposit until the day before the Interim Interest Payment Date (the "InterimInterest"), shall be paid as part of the interest as of the Interim Interest Payment
Date. The Interim Interest shall be credited to a Yen savings deposit account.

②

SMBC Trust Bank shall pay the balance of the interest, minus the deducted InterimInterest, together with the principal on the maturity date. If the Interim Interest has
not been paid, SMBC Trust Bank shall pay the total amount of interest due on thematurity date.

(3) In the event that cancellation before the maturity date is unavoidable, SMBC Trust Bank
shall calculate interest due for the period from the date of deposit (in case of renewal,
the latest renewal date) until the day before the cancellation date based on 365 days ayear at the following interest rate and shall pay said interest to the Depositor together
with the principal of said deposit. However, if the Interim Interest has already been paid,
the difference between said payment amount and the amount of interest, calculated at

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the following rates, shall be settled.
Contract
Term of
DepositTerm Elapsed after
Initial deposit
Less than 6 months

Less than
36 months

6 months and more, and less than 12
monthsInterest Rate
PRESTIA MultiMoney Yen
savings deposit rate prevailingon the day of withdrawal
50% of "Contracted Rate"

12 months or more

70% of "Contracted Rate"

Less than 6 months

PRESTIA MultiMoney Yen
savings deposit rate prevailingon the day of withdrawal

6 months and more, and less than 12
months36 months

40% of "Contracted Rate"

12 months or more, and less than 18 months

50% of "Contracted Rate"

18 months or more, and less than 24 months

60% of "Contracted Rate"

24 months or more, and less than 30 months

70% of "Contracted Rate"

30 months or more, and less than 36 months

90% of "Contracted Rate"(4) Interest shall accrue in units of one Yen (JPY1).
(5) The interest accrual method shall be simple interest, except for deposits of 36 months
or more, for which the interest shall be compounded every six (6) months.
4.

Deposit Payment and Renewal
Unless the Depositor gives SMBC Trust Bank prior instructions for automatic renewal, SMBC
Trust Bank shall pay the principal of the deposit together with the interest thereon on thematurity date. Said payment shall be made by crediting the principal and accrued interest to
the Depositor's PRESTIA MultiMoney Yen Savings Deposit (Account). If the Depositor gives
SMBC
Trust Bank instructions for automatic renewal, SMBC Trust Bank shall renew the deposit asa Super Teiki according to the Depositor's instructions for the same term as the previous
term. The same shall apply to a deposit that has been automatically renewed.

5.

Cancellation before Maturity
The Depositor may cancel a deposit before the maturity date with the consent of SMBC Trust
Bank, and the interest rate in this case shall be the interest rate applicable to cancellations,as provided for in 3 (3) above.

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IV. Deregulated Interest Rate Time Deposit (Oguchi Teiki)1.

Conditions for Commencement of Transaction(1) The Depositor can make a deposit in Japanese Yen only.
(2) The minimum deposit required shall be Ten Million Yen (JPY10,000,000) in units of One
Yen (JPY1).

2.

Term of Deposit
The term of deposit shall be as prescribed by SMBC Trust Bank separately.

3.

Interest on the Deposit(1) Interest on the deposit shall be calculated based on the term of deposit and the interest
rate determined on the date of deposit (or in case of renewal, the latest renewal date)(the "Contracted Rate"). Interest shall be calculated on a prorated daily basis for 365
days a year (if the term of deposit is not less than two (2) years, 366 days in case of aleap year).
(2) SMBC Trust Bank shall pay the interest due together with the principal on the maturity
date. However, the interest on deposits with a term of two (2) years shall be paid asfollows:①

The interim interest amount due on the date twelve (12) months from the date ofdeposit (the "Interim Interest Payment Date"), calculated by multiplying seventy
percent (70%) of the Contracted Rate by the number of days from the date ofdeposit until the day before the Interim Interest Payment Date (the "InterimInterest"), shall be paid as part of the interest as of the Interim Interest Payment
Date. The Interim Interest shall be credited to a Yen account.

②

SMBC Trust Bank shall pay the balance of the interest, minus the deducted InterimInterest together with the principal on the maturity date. If the Interim Interest has
not been paid, SMBC Trust Bank shall pay the total amount of interest due on thematurity date.

(3) In the event that cancellation before the maturity date is unavoidable, SMBC Trust Bank
shall calculate interest due for the period from the date of deposit (in case of renewal,
the latest renewal date) until the day said before the cancellation date based on 365
days a year at the following interest rate, and shall pay said interest to the Depositor
together with the principal of said deposit. However, if the Interim Interest has alreadybeen paid, the difference between said payment amount and the amount of interest,
calculated at the following rates, shall be settled.

Contract Term

Term Elapsed after
Initial deposit

Interest Rate

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Less than 1 month

PRESTIA MultiMoney Yen Savings deposit
rate Prevailing on the day of withdrawal

1 month and more

70% of "Contracted Rate"

All terms(4) Interest shall accrue in units of one Yen (JPY1).
(5) The interest accrual method shall be simple interest.
4.

Deposit Payment and Renewal
Unless the Depositor gives SMBC Trust Bank prior instructions for automatic renewal, SMBC
Trust Bank shall pay the principal of the deposit together with the interest thereon on thematurity date. Said payment shall be made by crediting the principal and accrued interest to
the Depositor's PRESTIA MultiMoney Yen Savings Deposit (Account). If the Depositor gives
SMBC Trust Bank prior instructions for automatic renewal, SMBC Trust Bank shall renew thedeposit according to the Depositor's instructions for the same term as the previous term. The
same shall apply to a deposit which has been automatically renewed.

5.

Cancellation before Maturity Date
The Depositor may cancel a deposit before the maturity date with the consent of SMBC Trust
Bank, and the interest rate in this case shall be the interest rate applicable to cancellation asprovided for in 3 (3) above.

V. PRESTIA MultiMoney Yen Savings Deposit
Interest on Deposits
SMBC Trust Bank calculates the deposit interest according to the interest rate prescribed by
SMBC Trust Bank with the minimum denomination on which interest is calculated being one
Yen (JPY1) only when the daily final balance (the amount of any securities, etc. deposited
shall be excluded from said balance until they are settled) is 1000 Yen (JPY1000) or more.
For payment, interest up to the third Sunday of February and August is incorporated into theprincipal of the deposit at the next business day of calculation. The interest rate may change
due to changes in financial circumstances, etc.

VI. Step Up Time Deposit
1.

Conditions for Commencement of Transaction(1) The Depositor can make a deposit in a currency as approved by SMBC Trust Bank.
(2) The minimum deposit shall be as designated by SMBC Trust Bank. The deposit shallbe made in single units of an appropriate currency, or to two decimal places thereof.
(3) The Depositor shall specify the currency of the interim interest as provided below. The
currency shall be either Japanese Yen or the deposit foreign currency.

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(4) The Depositor may not change the currency designated for payment of interest.
2.

Term of Deposit
The term of deposit shall be two (2) years or such other periods as SMBC
Trust Bank shall prescribe separately for each currency.

3.

Interest on the Deposit(1) SMBC Trust Bank shall divide the period from the deposit date to the maturity date into
"Step" period, each of 6 months' duration, and calculate the interest on deposit inaccordance with the interest rate applicable to each Step period, as designated on thedate of deposit (the "Applicable Interest Rate").
(2) Payment of Interim Interest
SMBC Trust Bank shall designate the last Business Day of each month during the period
from the deposit date to the maturity date as the "Interim Interest Payment Date" andshall pay the interest (the "Interim Interest") for each month in accordance with theApplicable Interest Rate provided in 3.(1) (however, if the number of days from thedeposit date to the first Interim Interest Payment Date is less than one (1) month, thecalculation shall be made on a prorated daily basis). However, the funds may actually
be withdrawn on and after the Business Day following the Interim Interest Payment Date.
(3) SMBC Trust Bank shall pay the Interim Interest by crediting to the Depositor's PRESTIA
MultiMoney Yen Savings Account, Yen Savings Account and Yen Checking Account(after conversion at the rate determined by SMBC Trust Bank if the deposit currency isother than Yen) if the interest payment currency is Japanese Yen. If the interest payment
currency is the deposit foreign currency, the interest payment shall be credited to the
Depositor's PRESTIA MultiMoney Savings Account in said deposit currency. (cf. in 1.
(3) above)(4) Interest shall be calculated in units of the deposit currency, or to two (2) decimal placesof said currency units.
(5) The interest accrual method shall be simple interest.

4.

Deposit Payment and Renewal(1) Payment on the maturity date
SMBC Trust Bank shall pay the Depositor on the date of maturity by paying the deposit
principal in the same currency in a Savings deposit in the PRESTIA MultiMoney Savings
Account. In such case, the interest due for the month of the maturity date shall becalculated on a daily basis from the preceding interim date of interest payment to thematurity date, and shall be credited to a PRESTIA MultiMoney Foreign Currency
Savings Deposit, PRESTIA MultiMoney Yen Savings Deposit, a Yen Savings Accountor a Yen Checking Account in the currency as selected by the Depositor on the date of

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deposit.
(2) This deposit shall not be automatically renewable.
5.

Cancellation before Maturity Date
(1) The Depositor may not cancel the deposit during the first six (6) months from the dateof deposit (the "First Step Period") .
(2) The Depositor may cancel the deposit before the maturity date after the First Step
Period, and with the specific consent of SMBC Trust Bank.
(3) In the event that the deposit is cancelled before the maturity date pursuant to 5. (2)above, SMBC Trust Bank shall not pay any Interim Interest for the month in which thecancellation date falls (including when the cancellation is made on the last Business
Day of the month).
(4) In the event that the deposit is cancelled before the maturity date pursuant to 5. (2) and5. (3) above, SMBC Trust Bank shall repay the deposit principal by crediting it to the
Depositor's PRESTIA MultiMoney Savings Account in the deposit currency.

VII. Premium Deposit
1.

Conditions for Commencement of Transaction(1) The Depositor can make a deposit in Japanese Yen or a currency approved by SMBC
Trust Bank.
(2) A currency in which the funds in the Deposit will be paid when converted at the Strike
Price (the "Strike Price") specified in Paragraph 7 below (the "Counter Currency") will
be designated by the Depositor among the currencies approved by SMBC Trust Bank.
(3) The deposited amount will be not less than the amount prescribed in the "Information
Memorandum and Pre-Contract Document" and a unit of the Deposit will be one yen if
the deposited currency is yen, or a unit of either the deposited currency unit or to two
decimal places if the deposited currency is a foreign currency.

2.

Term of Deposit
The term of Deposit shall be as specified in the "Information Memorandum and Pre-Contract
Document" provided by SMBC Trust Bank separately.

3.

Interest on the Deposit(1) Interest shall be calculated based on the term of deposit and the interest rate determinedat the time of deposit.
(2) Interest shall be paid on the maturity date of the deposit (the "Maturity Date") in thedeposited currency.
(3) Interest shall be calculated in units of One Yen (JPY 1) for Yen, and the depositedcurrency or to two decimal places thereof for foreign currency.

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(4) The interest accrual method shall be simple interest.
4.

Deposit Payment and Renewal
The principal of the Deposit will be paid as of the Maturity Date together with the interest
accrued (after deduction of the withholding tax).
Principal of deposit will be paid either in Yen in case the deposited currency is Yen or in aforeign currency in case the deposited currency is such currency.
On maturity, if the deposit is converted to Counter Currency in line with paragraph 7, theprincipal will be converted to Counter Currency.
Interest after deduction of the withholding tax will be paid in the deposited currency
regardless of whether or not the currency conversion of the principal portion occurs.
The payment will be made by crediting the proceeds of the principal and interest as of the
Maturity Date into the PRESTIA MultiMoney Savings Account of the respective currency on
the Maturity Date or the following bank business day.
The funds become available for withdrawal/transfer after the payment.
Automatic Renewal is not available for this deposit.

5.

Cancellation before Maturity Date
The Depositor may not cancel the deposit before the Maturity Date, except that SMBC Trust
Bank determines cancellation before the Maturity Date is unavoidable.
In the event that SMBC Trust Bank determines cancellation before the Maturity Date isunavoidable, SMBC Trust Bank shall accept cancellations for only the full amount of thedeposit, calculate interest due for the period from the date of deposit until the day before thecancellation date based on 365 days a year at the interest rate prescribed by SMBC TrustBank.
Upon cancellation of the deposit before the Maturity Date, the Depositor shall pay
cancellation expenses (or damages) to SMBC Trust Bank caused by cancellation of thedeposit before the Maturity Date. The cancellation expenses (or damages) mean the
expenses which would not be incurred by SMBC Trust Bank without cancellation before the
Maturity Date.
SMBC Trust Bank may, without any prior notice to the Depositor, deduct cancellation
expenses (or damages) to be paid by the Depositor to SMBC Trust Bank from the amount of
the principal and interest of the deposit.

6.

Acceleration and Net Calculation(1) If any of the following events occurs with respect to the Depositor, SMBC
Trust Bank shall have the right to terminate the entire deposit, including the currency
option transactions contained in the Deposit without any prior notice thereof. In suchcase, SMBC Trust Bank may, without any prior notice to the Depositor, liquidate the

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above-mentioned transactions and deduct from the amount of the principal and interestof the deposit a liquidated amount payable by the Depositor to SMBC Trust Bank.
①

The Depositor becomes unable to pay its debts or a petition is filed by or against
the Depositor for bankruptcy or commencement of civil rehabilitation procedures,commencement of corporate reorganization proceedings, or commencement ofspecial liquidation.

②

The Depositor becomes subject to the suspension of transactions at the Clearing
House.

③

An order or notice of provisional attachment (seizure), preservative attachment or
attachment is dispatched with respect to any of deposits or other credits of the
Depositor against SMBC Trust Bank.

④

The whereabouts of the Depositor becomes unknown due to Depositor's failure tonotify SMBC Trust Bank of changes in the address of the Depositor or any othercauses attributable to the Depositor.

(2) If any of the following events occur with respect to the Depositor and the event is not
cured within three (3) days from the notice thereof by SMBC Trust Bank, the entire
Deposit, including the currency option transactions contained in the Deposit, shall be
immediately terminated.
In such case, SMBC Trust Bank may, without any prior notice to the Depositor, liquidate
the above-mentioned transactions and deduct from the amount of the principal andinterest of the Deposit a liquidated amount payable by the Depositor to SMBC TrustBank.
①

The Depositor fails to pay any portion of its obligations owed to SMBC Trust Bank
when due.

②

The Depositor is in breach of any of the terms and conditions of any Agreement
entered into by it with SMBC Trust Bank.

③

Other than the foregoing, there exists a reasonable cause which necessitates thepreservation of the rights of SMBC Trust Bank.

7.

Strike Price(1) Spot Price
The Spot Price that determines the Strike Price as specified in item (2) below and thatis compared with the Strike Price as specified in item (3) below is determined by SMBC
Trust Bank at the time of making the deposit for (2) below and at the timing pre-definedby SMBC Trust Bank for (3) below based on the exchange rate quoted in the interbank
market.
(2) Determination of Strike Price

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The Depositor will set "Strike Price", which will be applied for conversion to the Counter
Currency, either by 1) specifying the price itself OR 2) specifying the "Differential" thatis the difference between the Spot Price at the time of deposit and the Strike Price.
Both Strike Price and Differential can be set within the range determined by SMBC Trust
Bank at the time of deposit.
Strike Price can be set only by specifying the Differential at specific channels.
(3) Application of Strike Price①

Deposit in Japanese Yen
The principal of the Deposit will be converted into the Counter Currency as of the
Maturity Date if the Spot Price of Counter Currency against Yen as of 3:00 p.m.,
Tokyo time on the Maturity Date indicates Yen appreciation equal to or beyond theStrike Price, or will remain in Yen on the Maturity Date if the Spot Price of Counter
Currency against Yen as of the same time indicates Yen depreciation beyond theStrike Price, and then will be credited into the PRESTIA MultiMoney savings
account of the respective currency.
The interest of the Deposit will remain in Yen regardless of whether or not currency
conversion of the principal portion occurs, and will be credited into the PRESTIA
MultiMoney Yen savings account.

②

Deposit in Foreign Currencies
The principal of the Deposit will be converted into Yen as of the Maturity Date if theSpot Price of deposited currency against Yen as of 3:00 p.m., Tokyo time on the
Maturity Date indicates Yen depreciation equal to or beyond the Strike Price, or willremain in the deposited currency on the Maturity Date if the Spot Price of depositedcurrency against Yen as of the same time indicates Yen appreciation beyond theStrike Price, and then will be credited into the PRESTIA MultiMoney savings
account of the respective currency. The interest of the Deposit will remain in thedeposited currency regardless of whether or not currency conversion of theprincipal portion occurs, and will be credited into the PRESTIA MultiMoney savings
account of the respective currency.

③

Cross Currency TypeThe principal of the Deposit will be converted into the Counter Currency as of the
Maturity Date if the Spot Price as of 3:00 p.m., Tokyo time on the Maturity Date
indicates Deposit Currency appreciation (Counter Currency depreciation) equal toor beyond the Strike Price, or will remain in the deposited currency on the Maturity
Date if the Spot Price as of the same time indicates Deposit Currency depreciation(Counter Currency appreciation) beyond the Strike Price, and then will be credited

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into the PRESTIA MultiMoney savings account of the respective currency. Theinterest of the Deposit will remain in the deposited currency regardless of whether
or not currency conversion of the principal portion occurs, and will be credited into
the PRESTIA MultiMoney savings account of the respective currency.

8.

Completion of the Transaction <Deleted>

All the terms and conditions set out in PRESTIA MultiMoney Account Customer
Agreement and Terms and Conditions for PRESTIA MultiMoney Account Deposit shall become
effective as of October 23, 2023.

SMBC Trust Bank Ltd.
PRO-LBY0122TB2310

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