TERMS AND CONDITIONS FOR TRANSFERS
Any term defined in Transactional Agreements may mean the same in this terms and conditions(agreement) unless otherwise specified.
1. Scope of Application
These Terms and Conditions for Transfers shall apply to transfers to the accounts ofrecipients held with the head offices and branches of SMBC Trust Bank in Japan or of otherfinancial institutions when transfers are made through transfer application forms orrequesting by telephone.

1-2. Refusal of Transactions with Anti-social Forces
The transfer may be requested only when the applicant does not fall into either Item 1 orItem 2 of Article 8-2, Paragraph 1. If the applicant falls into any of such Items, SMBC Trust
Bank shall refuse the request for transfer and may restrict or suspend fund transfer
transactions with the applicant.

2. Application for Transfer(1) Applications for transfer by the transfer application form are handled in the following
manner:①

Application for transfer are accepted within the handling time prescribed by SMBC
Trust Bank.

②

A transfer applicant shall use a transfer application form prescribed by SMBC Trust
Bank or a form approved by SMBC Trust Bank, and correctly fill in the names of thefinancial institution and branch to which funds are to be transferred, type of deposit,
account number, name of recipient, amount of transfer, name of applicant, address ofapplicant's telephone number, and other items prescribed by SMBC Trust Bank.

③

SMBC Trust Bank handles the transfer based on the contents entered on the transfer
application form.

④

SMBC Trust Bank will confirm the remitter's occupation and purpose of the transfer if
required according to the Act on Prevention of Transfer of Criminal Proceeds or otherlaws.

(2) Applications for transfer through telephone are handled in the following manner:①

Requesting transfer by telephone may be used within the time prescribed by SMBC
Trust Bank.

②

The amount transferable per transfer shall remain within the amount prescribed by

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TERMS AND CONDITIONS FOR TRANSFERS
SMBC Trust Bank.
③

Requesting transfer by telephone, applicant shall register information in advance using
methods prescribed by the SMBC Trust Bank.

④

Requesting transfer by telephone, applicant shall correctly inform the names of thefinancial institution and branch to which funds are to be transferred, type of deposit,
account number, name of recipient, amount of transfer, name of applicant, address ofapplicant's telephone number, and other items prescribed by SMBC Trust Bank.

⑤

SMBC Trust Bank shall treat the matters given as instructions by telephone as thecontent of the request in the previous item.

⑥

SMBC Trust Bank will confirm the remitter's occupation and purpose of the transfer if
required according to the Act on Prevention of Transfer of Criminal Proceeds or otherlaws.

(3) SMBC Trust Bank shall not be held responsible for any losses caused by listing incorrect
information on the transfer request form, incorrect entries in ATMs, or incorrect requests bytelephone, in relation to a transfer as defined in Paragraph 2 above.
(4) A transfer applicant shall pay SMBC Trust Bank the transfer funds, transfer charges, andother charges necessary in relation to the transaction (hereafter referred to as the "Transfer
Money, etc.") when the transfer applicant asks SMBC Trust Bank for a transfer.

3. Conclusion of Transfer Agreements(1) In case of transfer through a transfer application form or requesting by telephone, a transfer
agreement is concluded when SMBC Trust Bank accepts an application and receives theTransfer Funds, etc. from the transfer applicant.
(2) When SMBC Trust Bank accepts a transfer request through a transfer application form at a
branch counter, SMBC Trust Bank shall issue a customer copy of transfer application form,
etc.
In the event that a transfer agreement is concluded upon a transfer request at a branchcounter or by telephone according to the preceding paragraph, SMBC Trust Bank shall notethe contents of the agreement in the transaction statement specified by SMBC Trust Bank.
In the event that the Depositor receives said statement of account, he/she shall confirm thecontents thereof immediately. The Depositor shall, if wishing to make an inquiry in respect of
the statement of account, be required to do so within three (3) months from the date of
preparation of said statement. SMBC Trust Bank may reject any such inquiry made after
said three-month period. "AGREEMENT FOR HANDLING FUND TRANSFERINSTRUCTION BY MAIL" is applied to the remittance instructions by the mail.
4. Transmission of Transfer Notices(1) When a transfer agreement is concluded, based on the content of the transfer application,
SMBC Trust Bank shall transmit a transfer notice in the manner stated below to the financial
institution to which money is to be transferred.

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A wire transfer shall be transmitted on the day when SMBC Trust Bank accepted theapplication. However, SMBC Trust Bank may transmit the transfer on the next following
Business Day if there is a rational reason, such as a remittance agreement is executed at atime close to the end of SMBC Trust Bank's handling hours, or on any day on which SMBC
Trust Bank has many remittances to effect.

5. Transfer of Instruments, etc.
(1) When a transfer applicant asks SMBC Trust Bank to transfer funds to a recipient's accountwith a financial institution other than SMBC Trust Bank, SMBC Trust Bank shall not accept
any checks or other instruments as Transfer Funds, etc.
(2) When SMBC Trust Bank accepts a transfer application to a recipient's account held with thehead office or a branch of SMBC Trust Bank in Japan and when SMBC Trust Bank agrees
to accept a check or other instruments as the Transfer Funds, etc., SMBC Trust Bank shallissue a customer copy of transfer application form, etc., stating acceptance of the check or
instruments, to the applicant and transmit a transfer notice, stating acceptance of the
instruments, to the destination bank before the settlement is confirmed. However, SMBC
Trust Bank may also transmit a transfer notice to the destination bank after the settlement of
the instruments is confirmed.
(3) When the instruments that SMBC Trust Bank has accepted pursuant to the preceding
paragraph are dishonored, SMBC Trust Bank shall notify the applicant thereof forthwith, andcancel the transfer notice transmitted before the confirmation of the settlement. In suchcase, SMBC Trust Bank shall proceed with the procedure to preserve the rights of said
instruments when the applicant has asked SMBC Trust Bank to do so in writing in advance.
(4) The dishonored instruments shall be returned to the applicant by the handling Branch. The
applicant shall sign and/or affix his seal to a receipt prescribed by SMBC Trust Bank andsubmit it together with the customer copy of transfer application form, etc. to the handling
Branch. SMBC Trust Bank may ask the applicant to either produce an identification
document prescribed by SMBC Trust Bank or designate a guarantor in writing.
(5) When the handling Branch checks with due care and accepts that the customer copy oftransfer application form, etc. submitted to SMBC Trust Bank are identical with those issued
by SMBC Trust Bank, and returns the instruments to the applicant, SMBC Trust Bank shallnot be held responsible for any loss caused by said instruments.

6. Inquiries regarding Transaction Contents(1) In the event that funds have not been transferred to the recipient's account, the transfer
applicant shall inquire with the handling Branch without delay. SMBC Trust Bank shallinvestigate the case, such as inquiring with the financial institution to which the funds aresupposed to have been transferred. The result of the investigation shall be reported to thetransfer applicant.
(2) When SMBC Trust Bank receives an inquiry regarding a transfer notice from the financial
institution to which SMBC Trust Bank has transmitted said notice, SMBC Trust Bank may
inquire about the contents of the transfer application from the applicant. In this case, the

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applicant shall respond to the inquiry without delay. If the applicant does not reply within areasonable period of time or makes an inappropriate reply to the inquiry, SMBC Trust Bank
shall not be held responsible for any loss caused by the inappropriate reply or non-reply.
(3) When transfer funds are returned to SMBC Trust Bank due to reasons including a nonexistent recipient account, SMBC Trust Bank shall notify the applicant of the fund return
without delay. To retrieve the transfer funds, the applicant shall proceed with the reverse
transfer procedure defined in Article 8 of these Terms and Conditions for Transfers.

7. Changes in Application Contents(1) When a transfer applicant intends to amend an application's contents after the transfer
agreement is concluded, the applicant shall proceed with the below correction procedure ata counter of the handling Branch.
However, when the transfer applicant intends to change the amount of transfer or the financial
institution or its branch to which funds are to be transferred, SMBC Trust Bank shall accept
said changes according to the reverse transfer procedures defined in Article 8 Paragraph 1of the Terms and Conditions for Transfers.
①

The applicant shall sign and/or affix his seal to a revised application form prescribed by
SMBC Trust Bank and submit it together with the customer copy of transfer application
form, etc. to SMBC Trust Bank. SMBC Trust Bank may ask the applicant to either
produce an identification document prescribed by SMBC Trust Bank or designate aguarantor in writing.

②

According to the revised application form, SMBC Trust Bank shall telegraphicallytransmit an application for correction to the financial institution to which funds are to betransferred.

(2) The provisions of Article 5 Paragraph 5 shall correspondingly apply to the handling ofcorrections stated in the preceding paragraph.
(3) When a financial institution has already received a transfer notice transmitted by SMBC
Trust Bank, as stated in Paragraph 1, a correction may not be possible. In this case, thetransfer applicant and the recipient should consult each other for a solution.

8. Reverse Transfers(1) When a transfer applicant intends to withdraw the transfer application after the transfer
agreement is concluded, the applicant shall proceed with the following reverse transfer
procedures at a counter of the handling Branch.
①

The applicant shall sign and/or affix his seal to a reverse transfer application form
prescribed by SMBC Trust Bank and submit it together with the customer copy oftransfer application form, etc. to the handling Branch. The bank may ask the applicant
to either produce an identification document prescribed by SMBC Trust Bank or
designate a guarantor in writing.

②

According to the reverse transfer application form, SMBC Trust Bank shalltelegraphically transmit a reverse transfer application to the financial institution to whichfunds are to be transferred.

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③

The reversed transfer funds shall be returned to the applicant in the manner specified
on the reverse transfer application form. When the applicant is to receive the transfer
money in cash, the applicant shall sign and/or affix his seal to a receipt prescribed by
SMBC Trust Bank and submit it together with the customer copy of transfer application
form, etc. to the handling Branch. SMBC Trust Bank may ask the applicant to either
produce an identification document prescribed by SMBC Trust Bank or designate aguarantor in writing.

(2) The provisions of Article 5 Paragraph 5 of these Terms and Conditions for Transfers shallcorrespondingly apply to the handling of the reverse transfer and the return of the reversed
transfer funds defined in the preceding paragraph.
(3) When a financial institution has already received a transfer notice transmitted by SMBC
Trust Bank as stated in Paragraph 1, a reverse transfer may not be possible. In this case,the transfer applicant and the recipient should consult each other for a solution.

8-2. Termination, etc.
(1) When any of the items below applies and when it is inappropriate to execute the remittancerequested by the Applicant SMBC Trust Bank shall refuse the request for remittance or,upon giving a notice to the Applicant terminate the remittance agreement. In cases where
SMBC Trust Bank terminates the remittance agreement by notice, if SMBC Trust Bank
sends a notice of termination to the name and address that the Applicant has reported to
SMBC Trust Bank, such notice shall be deemed to arrive at the Applicant at the time when
delivery would normally occur, and the remittance agreement will be terminated at the time,
regardless of whether notice is delayed or is not delivered due to the fault of the Applicant.
(i)When it has become clear that the applicant made false statements with regard torepresentations and warranties at the time of application for account opening.

(ii)

In case the applicant has been found out to fall under any of the categories of
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 themaintenance or operation of Boryokudan by providing funds, weapons, etc., to
Boryokudan or members of Boryokudan, but who are not themselves members),
Boryokudan kankei kigyou (organized crime-related companies: Companies run bymembers of Boryokudan, quasimembers, or former members of Boryokudan, thatmaintain relationship with, cooperate with, or engage in the maintenance or operationof Boryokudan by providing funds to Boryokudan or by other means, or thosecompanies that actively use Boryokudan in doing business, etc., and cooperate in themaintenance or 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 of civil life), Shakai undo etc. hyobo goro (those forces claiming to be social
movements: Groups or individuals who disguise themselves as/claim to be social

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movements or political 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 chino boryoku 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 civil society and may threaten the safety of civil life), or their equivalents(hereinafter collectively "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 applicant uses Boryokudan-in
etc. unjustifiably, such as for the purpose of ensuring unjustified benefits tohimself/herself, his/her company or a third-party, or for the purpose of inflicting
harm to a thirdparty;

D.

To have a relationship in which it is deemed that the applicant is engaged inproviding funds etc. or benefits to Boryokudan-in 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 sociallyreprehensible way.

(iii) In case the applicant is engaged in any of the following acts directly or by utilizing athird-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.

(2) In addition to the cases set forth in the preceding paragraph, SMBC Trust Bank may, at its
own discretion, terminate any remittance agreement with a rational reason when it
determines that the remittance agreement should be terminated.
(3) In the event that SMBC Trust Bank terminates the remittance agreement pursuant to any of
the two preceding Paragraphs, the Applicant 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 Applicant,in connection with the termination.

9. Contact Address for Notices and Inquiries(1) When SMBC Trust Bank notifies the transfer applicant of the transaction or inquires about
the transaction with the transfer applicant, SMBC Trust Bank shall use, as the contact
address, the address and telephone number entered on the transfer application form, or the

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address and telephone number of the account from which the Transfer Funds, etc. weretransferred.
(2) SMBC Trust Bank shall not be held responsible for any loss caused by the failure of noticeor inquiry due to an imperfect or incorrect entry of the contact address, or due to nonestablishment of a telephone connection.

10. Charges(1) When a transfer applicant requests SMBC Trust Bank to handle a transfer, the applicant
shall pay SMBC Trust Bank the transfer charge indicated at a Branch counter.
(2) When a transfer applicant requests SMBC Trust Bank to handle a reverse transfer, theapplicant shall pay SMBC Trust Bank a reverse transfer charge as prescribed by SMBC
Trust Bank. In this case, the transfer charge stated in the preceding paragraph shall not be
returned to the applicant.
(3) When a transfer applicant does not retrieve reversed transfer funds and requests SMBC
Trust Bank to use said funds for a renewed transfer, the applicant shall again pay SMBC
Trust Bank a transfer charge as prescribed by SMBC Trust Bank.
(4) When an applicant makes a special request to SMBC Trust Bank to handle a transaction,
the applicant shall pay SMBC Trust Bank any additional costs brought about by the request.

11. Release from Responsibility for Disasters, etc.
SMBC Trust Bank shall not be held responsible for any loss caused by the failure to deposit
transfer funds or by a delay in depositing transfer funds due to any of the following:①

Any disaster, incident, accident during transportation, or measures taken by the court
or other public bodies concerned, or any other unavoidable circumstances;②

When trouble occurs with terminals, telecommunications lines, or a computer, etc. inspite of considerable security measures that SMBC Trust Bank has implemented, or theoperating body of the joint system with other financial institutions has implemented; or③

Any situation whereby SMBC Trust Bank is not responsible.

12. No Transfers or Pledges
The customer copy of transfer application form, etc. and the applicant's rights in thistransaction shall be neither transferred nor pledged.

13. Application of the Terms and Conditions for Deposits
When a transfer applicant applies for a transfer by transferring the Transfer Funds, etc. from
his/her Account, the relevant terms and conditions for deposits and the Terms and Conditionsfor SMBC Trust Bank Banking Card shall apply to the withdrawal of funds from said Account.

14. Compliance with Laws and Regulations, etc.
Any and all laws and regulations, and orders and restrictions, based thereon which
supersede the Terms and Conditions for Transfers shall apply irrespective of the Terms andConditions for Transfers.

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15. Discrepancies
If there is any discrepancy between the Japanese and English versions of these Terms andConditions for Transfers, the Japanese version shall prevail.

All the terms and conditions set out in Terms and Conditions for Transfers shall become effective
as of March 22, 2022.

SMBC Trust Bank Ltd.
規約 04（英）2203

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