TERMS AND CONDITIONS FOR CLEAN BILL COLLECTIONSPAYABLE IN FOREIGN COUNTRIESA person requesting SMBC Trust Bank to collect clean bills payable in foreign countries("Requesting Person") shall comply with the stipulations in these Terms and Conditions for Clean
Bill Collections Payable in Foreign Countries.
Any term defined in Transactional Agreements may mean the same in this terms and conditions(agreement) unless otherwise specified.

Article 1. Collection Procedures
The dispatch and collection of checks, etc. (hereinafter called "Checks") shall be handledaccording to these terms and conditions and other rules and regulations that SMBC TrustBank may establish from time to time.

Article 1-2. Refusal of Transactions with Anti-social Forces
The collection may be requested only when the Requesting Person does not fall into either
Item 1 or Item 2 of Article 2, Paragraph 2. If the Requesting Person falls into any of such
Items, SMBC Trust Bank shall refuse the request for collection and may restrict or suspend
collection transactions with the Requesting Person.

Article 2. Collection Refusal, etc.
1. SMBC Trust Bank may at its own discretion refuse a Requesting Person's request forcollection, or cancel acceptance of said request for collection, depending upon the situation.
SMBC Trust Bank shall not accept the collection of Checks that are drawn on names otherthan the Requesting Person's name. SMBC Trust Bank shall not accept any endorsedchecks.
2. When any of the items below applies and when it is inappropriate to continue with theTransactions with the Requesting Person, SMBC Trust Bank shall refuse the request forcollection or, upon giving a notice to the Requesting Person, terminate the collection
agreement. In cases where SMBC Trust Bank terminates the collection agreement by notice,if SMBC Trust Bank sends a notice of termination to the name and address that theRequesting Person has reported to SMBC Trust Bank, such notice shall be deemed to arriveat the Requesting Person at the time when delivery would normally occur, and the collection
agreement will be terminated at the time, regardless of whether notice is delayed or is notdelivered due to the fault of the Requesting Person.
(i)

In case the Requesting Person has been found out to fall under any of the categories ofTERMS AND CONDITIONS FOR CLEAN BILL
COLLECTIONS PAYABLE IN FOREIGN COUNTRIES1/5

Boryokudan (organized crime: Organizations that encourage its members to engage
collectively or habitually in violent, unlawful, etc., acts), Boryokudan-in (members oforganized crime:
Members of Boryokudan), Boryokudan jun kouseiin (quasimembers of Boryokudan:
Parties who maintain relationships with, cooperate with, or engage in the maintenanceor operation of Boryokudan by providing funds, weapons, etc., to Boryokudan ormembers of Boryokudan, but who are not themselves members), Boryokudan kankei
kigyou (organized crime-related companies: Companies run by members ofBoryokudan, quasimembers, or former members of Boryokudan, that maintainrelationship with, cooperate with, or engage in the maintenance or operation ofBoryokudan by providing funds to Boryokudan or by other means, or those companies
that actively use Boryokudan in doing business, etc., and cooperate in the maintenanceor operation of Boryokudan), Sokaiya etc. (corporate racketeers: Sokaiya, Kaisha goro
(corporate racketeers) and others who may potentially engage in violent, unlawful, etc.,
acts in an effort to seek illicit benefits from civil society and may threaten the safety ofcivil life), Shakai undo etc. hyobo goro (those forces claiming to be social movements:
Groups or individuals who disguise themselves as/claim to be social movements orpolitical activities and may potentially engage in violent, unlawful, etc., acts to seek illicit
benefits from civil society and may threaten the safety of civil life), Tokushu chinoboryoku shudan etc. (special intellectual violent organizations: Groups or individuals,
except those listed above, who use Boryokudan or their relationships with Boryokudan
to engage in violent, unlawful, etc., acts in an effort to seek illicit benefits from civilsociety and may threaten the safety of civil life), or their equivalents (hereinaftercollectively "Boryokudan-in etc."), or fall under any of the following categories:
A.

To have a relationship in which it is deemed that Boryokudan-in etc. holds control
over the management;

B.

To have a relationship in which it is deemed that Boryokudan-in etc. is effectively
involved in the management;C.

To have a relationship in which it is deemed that the Requesting Person uses
Boryokudan-in etc. unjustifiably, such as for the purpose of ensuring unjustified
benefits to himself/herself, his/her company or a third-party, or for the purpose ofinflicting harm to a third-party;

D.

To have a relationship in which it is deemed that the Requesting Person is engaged
in providing funds etc. or benefits to Boryokudanin etc.;

E.

To have a relationship in which an executive officer or a person effectively
participating in the management is connected with Boryokudan-in etc. in a socially

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reprehensible way.
(ii)

In case the Requesting Person is engaged in any of the following acts directly or byutilizing a third-party:A.

Violent demand;

B.

Unjustified demand beyond the legal liability;

C.

Intimidating act or use of violence in transactions;D.

Act of damaging the Bank's credit or obstructing the Bank's business by spreading
false information, using fraudulent means or exercising force;E.

Other acts equivalent to A through D above.

3. In addition to the cases set forth in the preceding paragraph, SMBC Trust Bank may, at its
own discretion, terminate the collection agreement when it determines that the collectionagreement should be terminated with a rational reason.

Article 3. Choice of Collecting Bank, Method of Dispatching and Collecting Checks
SMBC Trust Bank may at its own discretion choose other banks for the collection of Checks(collectively "Collecting Banks") and decide the manner of dispatch and collection of said
Checks.

Article 4. Warranty of Genuineness and Validity of Checks
SMBC Trust Bank shall not be liable for verifying or checking the genuineness on validity ofthe Checks themselves on any endorsements, etc. made thereon. SMBC Trust Bank shallneither be liable except in the case of negligence on SMBC Trust Bank for any loss ordamage, or costs and expenses, incurred by a Requesting Person in connection withforgeries, counterfeiting, or any other defects with respect to the Checks, endorsements
thereof, etc.

Article 5. Notice of Payment/Non-Payment and Protest
SMBC Trust Bank shall provide the Requesting Person with a notice of completion ofcollection, or of non-payment, in such a manner as SMBC Trust Bank deems appropriate.
Unless otherwise directed in writing in advance, SMBC Trust Bank shall not take any legal
steps such as the preparation of a certificate of rejection of payment, or a notice of request
for reimbursement.

Article 6. Commissions, Charges and Expenses
The Requesting Person shall bear any and all charges and expenses that SMBC Trust Bankor Collecting Banks shall incur or charge in connection with the collection or return ofTERMS AND CONDITIONS FOR CLEAN BILL
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Checks. In the event that SMBC Trust Bank makes inquiries regarding the status ofcollection at the request of the Requesting Person, the Requesting Person shall also bear
the charges and costs necessary for such inquiries.

Article 7. Refunds
In the event that, after SMBC Trust Bank pays the proceeds of collected Checks to theRequesting Person, it turns out that the Checks are not collected or the payment of theproceeds of the collected Checks to SMBC Trust Bank from the Collecting Banks is revoked
due to dishonor, forgeries, counterfeit or any other defects, or any applicable foreign law,regulation or practice or any other reason, the Requesting Person shall immediately refund
the payment made by SMBC Trust Bank plus interest, charges and expenses thereon at therate which SMBC Trust Bank shall prescribe, whether or not the Checks are returned to theRequesting Person. The applicable foreign exchange rate shall be SMBC Trust Bank's spot
telegraphic transfer selling rate as of the time of the refund.

Article 8. Return of Checks
In the event that it is impossible to retrieve any Checks due to the laws or customs of thecountries where the Checks are to be collected, or for any other reason, SMBC Trust Bankshall neither be obligated to return the Checks to the Requesting Person nor be liable
except in the case of negligence on SMBC Trust Bank for any and all loss or damage, orcosts and expenses, incurred by the Requesting Person in connection therewith.

Article 9. Indemnification
1.

SMBC Trust Bank shall not be liable for any damage caused by loss, damage,postponement, or other reasons in transit of checks.

2.

SMBC Trust Bank shall not be liable for any loss or damage caused by delay, missing, lostchecks due to the negligence, mistakes, omissions, etc. of the Collecting Banks, and/ordelay of payment, any exchange loss, insolvency regarding checks due to the businesssuspension, insolvency, bankruptcy of the Collecting Banks or legal or other constraints ofpayment country, and/or any other uncontrollable reasons not listed here.

3.

In the event that SMBC Trust Bank terminates the collection agreement pursuant to thepreceding paragraph, the Requesting Person 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 theRequesting Persons in connection with the termination.

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Article 10. Prohibition of Transfer or Pledge
1.

The Requesting Person may not transfer or pledge the rights under a request for thecollection of Checks.

2.

If SMBC Trust Bank determines that it is unavoidable to pledge or create some otherinterest for the benefit of a third party on an Account, the creation of such interest shall beeffected by using a form by SMBC Trust Bank.

Article 11. Uniform Rules for Collections
Any matters not covered by these Terms and Conditions, Account Customer Agreements orother rules and the regulations of SMBC Trust Bank shall be subject to the Uniform Rulesfor Collections (1995 Revision or its amended version, if any) established by theInternational Chamber of Commerce.

All the terms and conditions set out in Terms and Conditions for Clean Bill Collections Payable inForeign Countries shall become effective as of October 19, 2020.

SMBC Trust Bank Ltd.
BKG3607TB2104

TERMS AND CONDITIONS FOR CLEAN BILL
COLLECTIONS PAYABLE IN FOREIGN COUNTRIES
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