Additional Terms and Conditions for Online Banking Other Services and Authentication
by Mobile Devices
In using SMBC Trust Bank’s online banking services and mobile device authentication, Users shallcomply with these Additional Terms and Conditions for Online Banking Other Services andAuthentication by Mobile Devices (these “Additional Terms and Conditions”) in addition to thePRESTIA Online Transactions Terms and Conditions. In the event of any conflict between thePRESTIA Online Transactions Terms and Conditions and these Additional Terms and Conditions,these Additional Terms and Conditions shall prevail. Unless otherwise specified, the definitions in thePRESTIA Online Transactions Terms and Conditions shall also apply to these Additional Terms andConditions.
Article 1Services
1. The various online banking services provided through PRESTIA Online / PRESTIA Mobile (the“Other Services”) are referred to as the “Services.” The contents of the Services shall bedetermined by SMBC Trust Bank and may be subject to change (including the case where theprovision of the Services is discontinued) when SMBC Trust Bank deems it necessary.
2. With the Services, Users can request various services and transactions from SMBC Trust Bankusing the device they operate. The available services and transactions shall be posted on theSMBC Trust Bank website.
3. In order to use the Services, Users are required to submit their email address and mobile phone
number to SMBC Trust Bank, register a device that has the submitted mobile phone number(“Mobile Device”), and authenticate themselves using the Mobile Device.
4. Users shall use the Services at their own discretion and responsibility after fully understanding
and accepting the content of these Additional Terms and Conditions. Users acknowledge thatthe Services may not be able to be used on some Mobile Devices.
Article 1-2Rejection of transactions with Anti-Social Forces
The Services may only be used when none of the items in Article 10, Paragraph 2 of the PRESTIA
Online Terms and Conditions applies. If any of such items applies, SMBC Trust Bank may refuse toprovide the Services and limit or suspend provision of services to such User.
Article 2
Logging in and logging out of the Services
1. To use the Services, Users need to sign in to PRESTIA Online / PRESTIA Mobile and log in tothe Services using the confirmation code that will be sent to the email address the User has
already submitted to SMBC Trust Bank.
2. Logging out of the Services does not sign Users out from PRESTIA Online / PRESTIA Mobile atthe same time. Users will need to sign out separately.
Article 3
Registration of Mobile Device
1. When a User wishes to use the Services, the Mobile Device will be registered after authenticationis completed by the method stipulated in Article 4, Paragraph 2.
2. Mobile Devices to be registered must be capable of receiving Short Message Service (“SMS”)
and have a contract with a mobile phone company in Japan.
3. Only one Mobile Device can be registered for the same User.
Article 4
Authentication by Mobile Device
1. When a User registers a Mobile Device as described in Article 3 or applies for a procedure
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through the Other Services, authentication by the Mobile Device will be performed in the mannerprescribed in Paragraph 2 for the purpose of identification of the User.
Authentication using SMS and authentication set up on the Mobile Device by the User (biometricauthentication, password authentication, pattern authentication, or the like; collectively withauthentication using SMS, “Authentication by Mobile Device”) will be performed.
Authentication by Mobile Device uses a passkey, so please make sure that the passkey on theMobile Device is available.
Upon successful completion of Authentication by Mobile Device, SMBC Trust Bank shall deemthat the identity of the User has been verified.
The types of services that can be applied for in Other Services that require Authentication byMobile Device shall be separately posted on the SMBC Trust Bank website.

Article 5
Change of Mobile Device registration
1. If a User changes the Mobile Device registered to use the Service, the User shall promptly change
the Mobile Device registration.
2. When a User changes the registration of a Mobile Device, the User shall do so in a mannerprescribed by SMBC Trust Bank.
Article 6Disclaimer
1. Users shall, at their own responsibility, strictly manage their registered Mobile Devices, SIM cards
for receiving SMS, settings, and the like, and shall not transfer, pledge, or otherwise grant to athird party any rights to the same or lend, possess, or allow others to use the same in connection
with the use of Authentication by Mobile Device. SMBC Trust Bank shall not be liable for anyloss or damage caused by a failure to manage the Mobile Device, the SIM card for receiving SMS,
settings, or the like, except where there is a reason attributable to SMBC Trust Bank.
2. Users shall not register biometric information of third parties (including, but not limited to, relativesof the User, persons living with the User, and persons related to the User) on the Mobile Device
used for the services, and shall not disclose the authentication method (biometric authentication,
password authentication, pattern authentication, or the like) of the Mobile Device to third parties,
and shall strictly manage the Mobile Device at their own responsibility.
3. SMBC Trust Bank shall not be liable for any loss or damage incurred by a User arising out of orin connection with a breach by the User of Paragraph 2, except where there is a reason
attributable to SMBC Trust Bank.
4. In the event of any unauthorized use of the Mobile Device or any other such incident, SMBC Trust
Bank shall treat as valid all applications made through the Procedures by a User who hasregistered a Mobile Device in the manner prescribed by SMBC Trust Bank and has used theMobile Device and the SIM card for receiving SMS, settings, and the like for authentication, andSMBC Trust Bank shall not be liable for any loss or damage arising therefrom, except where
there is a reason attributable to SMBC Trust Bank.
5. Even if a third party fraudulently registers a Mobile Device through impersonation or other means
when accepting the registration of a Mobile Device by SMBC Trust Bank in accordance with these
Additional Terms and Conditions, SMBC Trust Bank shall not be liable for any loss or damagecaused thereby, except when there is a reason attributable to SMBC Trust Bank.
Article 7
Other terms and conditions
Matters not stipulated in these Additional Terms and Conditions shall be handled in accordance with
the PRESTIA Online Terms and Conditions and other related terms and conditions.
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Modification of these Additional Terms and Conditions
In the case of changes in the financial climate or other such circumstances or where SMBC Trust
Bank otherwise reasonably deems it necessary, SMBC Trust Bank may modify the contents of theServices or these Additional Terms and Conditions as of such date as may be determined by SMBC
Trust Bank by giving prior notice in a reasonable manner, such as by displaying notification at branch
offices in Japan or on the website.
The above Additional Terms and Conditions for Online Banking Other Services and Authentication byMobile Devices shall become effective as of November 13, 2023.
SMBC Trust Bank Ltd.
規約11（英）2311

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