Terms and Conditions for the Use of SMBC Trust Bank App

These terms and conditions set forth from 1. to 11. below (hereinafter referred to as the “Terms and Conditions for
the Use of SMBC Trust Bank App”) shall govern the User’s use of SMBC Trust Bank App. In addition, except for thedefinitions that terms “PRESTIA Online” and “PRESTIA Mobile” shall be collectively called the “online banking,” andall the transactions, acts, and procedures used in the online banking in connection with the account subject to theservices offered through the online banking, and the transactions, acts, and procedures relating to any services ofthe online banking, and all the other transactions, acts, and procedures to be followed in using the online banking
shall be collectively called the “Act of Using the Online Banking,” the definitions used in the “PRESTIA Online Termsand Conditions” shall, unless otherwise stated, also apply to the Terms and Conditions for the Use of SMBC TrustBank App.

1.

SMBC Trust Bank App(1) SMBC Trust Bank App is an application for the services that enable the User to perform the Act ofUsing the Online Banking within the scope prescribed by SMBC Trust Bank on the App the Userinstalls onto a device (provided that the device is capable of running SMBC Trust Bank App; suchdevice is hereinafter called the “App's device.”) pursuant to the provisions of the Terms andConditions for the Use of SMBC Trust Bank App. SMBC Trust Bank App is the application that SMBC
Trust Bank provides for the use of the online banking. The App has the functions that the User can use,after the User’s identity verification provided for in 3. (1) hereof has been completed, for the services
prescribed by SMBC Trust Bank, such as viewing the User’s account balances, account activities andtransactions, within the services set out in PRESTIA Online Terms and Conditions.

2.
(1)

First Authentication, etc.
To use SMBC Trust Bank App, the User needs to download it from the website prescribed by SMBC Trust
Bank and install it on the App's device.

(2)

If the User intends to use SMBC Trust Bank App on the App's device as prescribed by SMBC Trust Bank
after installing SMBC Trust Bank App pursuant to 2. (1) above and have biometric information registered for
the App's device (provided that it is the User’s own biometric information; hereinafter referred to as the“Authentication Data”), the User may choose to use SMBC Trust Bank App by using only biometricauthentication (input the One Time Password after inputting the biometric information if the User uses theOne Time Password service), at the User’s own discretion and responsibility, from the second time once theUser has completed the first authentication by inputting the User’s user ID and password of the online
banking in the input fields of SMBC Trust Bank App and inputting the biometric information on the App'sdevice (input the One Time Password after inputting the biometric information if the User uses the One Time

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Password service). When the User performs the biometric authentication, the User’s user ID and password
for the online banking are saved on the App's device, but the User’s biometric information is neither passed
over to SMBC Trust Bank nor saved on a server, etc. of SMBC Trust Bank. SMBC Trust Bank shall not beliable for any damage associated with the User’s failure to meet the system requirements prescribed by theBank.
(3)

If the User intends to continue to use SMBC Trust Bank App after the User changes the App's device oruninstalls or deletes SMBC Trust Bank App from the App's device, 2. (1) and 2. (2) above shall apply. If theUser otherwise intends to continue to use SMBC Trust Bank App after the User reinstalls SMBC Trust Bank
App for whatever reason, 2. (2) above shall apply.

3.
(1)

Use of SMBC Trust Bank App
When the User requests for the Act of Using the online banking on the SMBC Trust Bank App, the User will
be required to go through the identity verification process as provided for in the PRESTIA Online Terms andConditions or the Additional Terms and Conditions for One Time Password (OTP) Service.

(2)

In performing the identify verification as provided for in the PRESTIA Online Terms and Conditions or theAdditional Terms and Conditions for One Time Password (OTP) Service by inputting the User’s user ID andpassword of the online banking on the SMBC Trust Bank App to boot SMBC Trust Bank App so that the User
can input the User’s biometric information (input the User’s One Time Password in the One Time Password
field after inputting the biometric information if the User uses a One Time Password). Once the matching
between the biometric information the User inputs and the User’s Authentication Data has been confirmedon the App's device, SMBC Trust Bank App notifies SMBC Trust Bank of the user ID and password and One
Time Password of the online banking.

(3)

When the Act of Using the Online Banking is performed on SMBC Trust Bank App after the identity
verification process for the User prescribed in the PRESTIA Online Terms and Conditions or the Additional
Terms and Conditions for One Time Password (OTP) Service has been gone through, such act is regarded tohave been performed by the User, and SMBC Trust Bank shall not be liable for any damage caused by any
counterfeiting, alteration, theft, unauthorized use or other types of mishap associated with the act regarding
App’s device, password, biometric information, Authentication Data, password generating token, One Time
Password, etc. unless the damage is attributable to the negligence of SMBC Trust Bank. Provided, however,that Article 9 of the PRESTIA Online Transaction Terms and Conditions applies, mutatis mutandis, to thisprovision.

4.
(1)

Suspension, Deprovisioning, etc. of SMBC Trust Bank App
If the User closes the account for the online banking or removes it therefrom, the User may not be able toauthenticate themself by using the biometric information that became usable through the procedures

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prescribed in 2. (1) or 2. (2) above in the identity verification process provided for in 3. (1) above. If the User
intends to continue to use SMBC Trust Bank App after the User became unable to authenticate themself
through the biometric information, 2. (1) or 2. (2) above shall apply.
(2)If the User’s SMBC Trust Bank App is subject to misuse (including but not limited to counterfeiting,alteration, theft, unauthorized use of the User’s biometric information or Authentication Data or theft,inappropriate use or use by a third party, and unauthorized access to the App's device) or if it has come to
the User’s knowledge that the User’s SMBC Trust Bank App was actually misused, the User shallimmediately suspend the use of the User’s SMBC Trust Bank App and report it to SMBC Trust Bank by themethod specified by the Bank. When SMBC Trust Bank receives such report, the Bank shall be able to takethe measures prescribed by the Bank such as suspension of the use of the online banking. If SMBC Trust
Bank suspends the User’s use of the online banking, the User will be unable to use it. In this case, SMBC
Trust Bank shall not be liable for any damage the User may incur as a result of the suspension or otherprescribed measures taken by the Bank until the Bank reasonably decides that it is appropriate to provide
the User with the online banking, unless the damage is attributable to the negligence of the Bank.

(3)

SMBC Trust Bank may suspend the User’s use of SMBC Trust Bank App anytime by providing a prior noticeby the method prescribed by the Bank. The notice may be given by publishing it on the website of SMBC
Trust Bank or other methods prescribed by the Bank. If SMBC Trust Bank suspends the use of SMBC Trust
Bank App, the User will be unable to use it. In this case, SMBC Trust Bank may continue the suspension
until the Bank reasonably determines that it is appropriate to provide SMBC Trust Bank App. SMBC Trust
Bank shall not be liable for any damage the User may incur as a result of the suspension unless the damage
is due to the negligence of the Bank.

(4)

SMBC Trust Bank may deprovision SMBC Trust Bank App anytime by giving a prior notice by the method
prescribed by the Bank. The notice may be given by publishing it on the website of SMBC Trust Bank orother methods prescribed by the Bank. If SMBC Trust Bank deprovisions SMBC Trust Bank App, the User
will not be able to use it. In this case, SMBC Trust Bank may not resume the provision of SMBC Trust Bank
App. SMBC Trust Bank shall not be liable for any damage the User may incur as a result of thedeprovisioning unless the damage is attributable to the negligence of the Bank.

(5)

When SMBC Trust Bank finds that SMBC Trust Bank App is likely to be misused or that it has actually
misused, the Bank shall be able to suspend the use of SMBC Trust Bank App or take other measuresprescribed by the Bank. If SMBC Trust Bank suspends the use of the online banking, the User will be unable
to use it. In this case, SMBC Trust Bank may continue the suspension until the Bank reasonably determinesthat it is appropriate to provide the online banking. SMBC Trust Bank shall not be liable for any damage theUser may incur as a result of the suspension or other prescribed measures taken by the Bank, unless thedamage is due to the negligence of the Bank.

5.

Handling of the User’s Information

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(1)In relation to the use of SMBC Trust Bank App, SMBC Trust Bank may have any affiliated company, agent orother third parties process the User’s information and the running of SMBC Trust Bank App to the extent
necessary for the provision of the App. SMBC Trust Bank may disclose the User’s information if requested todo so by the applicable law, the court or other legal proceedings, or by regulatory authorities.

6.
(1)

Right Holders, etc. of SMBC Trust Bank App
The copyrights and all other intellectual property rights to SMBC Trust Bank App shall belong to theirrespective holders, and no such intellectual property rights shall be granted to the User, unless otherwise
provided herein and the User is granted some rights or authorities by the relevant right holders pursuant tosuch provision. The User is not granted any rights or authorities regarding such intellectual property rights
by SMBC Trust Bank. The User shall use SMBC Trust Bank App in accordance with SMBC Trust Bank App
Terms and Conditions.

(2)

The User shall not reprint, reproduce, retransmit, alter, falsify, or other fraudulent act on the information that
constitutes SMBC Trust Bank App. If the User conducts reprinting, reproduction, retransmission, alteration,falsification, or any other fraudulent act, SMBC Trust Bank shall not be liable for any damage the User may
incur as a result of such act, unless the damage is attributable to the negligence of SMBC Trust Bank.

(3)6. (1) and 6. (2) above shall apply to the cases where the User download SMBC Trust Bank App without theknowledge of SMBC Trust Bank or beyond the scope the Bank duly authorizes. In this case, SMBC Trust
Bank shall not be liable for any damage the User may incur in connection with SMBC Trust Bank App unlessthe damage is due to the negligence of the Bank.

7.
(1)

Notes, etc.
The User shall arrange, at the User’s own responsibility and expense, communication devices, software,communication lines, and other environments, which may become necessary for using (includingdownloading of the App and re-downloading of an update) SMBC Trust Bank App, and the User shall pay thecommunications and other charges for the use.

(2)

The User may not use the online banking on SMBC Trust Bank App outside of service hours.

(3)

If the biometric information on a person other than the User is registered on the App's device, SMBC Trust
Bank App on the device might use the information as the authentication data. Therefore, if SMBC Trust
Bank App is used on such App's device, other person’s biometric data could be treated as the User’s and theauthentication could be successfully verified. The User shall not register any other biometric information
than the User’s one (including but not limited to the User’s kin, those who live with the User, and otherrelated people) on the App's device. SMBC Trust Bank shall not be liable for any damage the User might
incur as a result of or associated with the registration of other person’s biometric information than the User’s
one on the App's device unless the damage is attributable to the negligence of the Bank.

(4)

If any configurations or other environments of the App's device change or SMBC Trust Bank App are

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upgraded after the User installs SMBC Trust Bank App, the SMBC Trust Bank App the User installed could
be unusable. In this case, the User needs to reinstall SMBC Trust Bank App. provided, however, that SMBC
Trust Bank does not guarantee that the User will be able to reinstall the App or to use the App afterreinstalling.
(5)

The information displayed on SMBC Trust Bank App does not guarantee the amount of subject accountbalance or transaction details. If the account balance or transaction details on the App are different from thecorresponding details in the ledger, etc. of SMBC Trust Bank, the User shall submit to the content of theledger, etc.

8.

Disclaimer, etc.

(1)

In addition to the other provisions herein, SMBC Trust Bank shall be indemnified pursuant to this Article 8.

(2)Unless it is due to the negligence of SMBC Trust Bank, the Bank shall not be liable for any losses the User
may sustain due to any malfunction of SMBC Trust Bank App (error or omission of information displayed,
failure of transaction requests to be met, and leakage of information, etc.) or any impact of the App on theApp's device, or any damage the User may incur due to the provider’s system issues, or any other damage
the User may incur in connection with the User’s use of SMBC Trust Bank App.

(3)

For the User’s use of SMBC Trust Bank App, the User shall assume the entire responsibility for themanagement of the User’s user ID and password to be saved on the App's device for the use of biometric
information and the management of the User’s Authentication Data. SMBC Trust Bank, therefore, shall not
be held liable for any forgery, alteration, theft, or unauthorized use of the User’s Authentication Data or otherinformation unless it is attributable to the negligence of the Bank.

(4)

SMBC Trust Bank shall not be liable for any damage the User may incur due to theft, misuse, use by a third
party, or unauthorized access, etc. to the App's device unless the damage is due to the negligence of SMBC
Trust Bank.

(5)

In addition to 8. (1) through 8. (4) above, SMBC Trust Bank shall not be held liable for any damage the Usermay incur due to the User’s failure to use SMBC Trust Bank App for any of the following reasons:①Disasters, incidents, measures taken by courts or other public organizations, or any other unavoidable
circumstances②

Troubles with communications devices, communications lines, or computers, or with the means ofcommunications such as disconnection of a telephone service irrespective of the corresponding
safety measures taken by SMBC Trust Bank and the operating body of the joint system with otherfinancial institutions③

Changes in configuration of App's device or other usage environments, or upgrading of SMBC TrustBank App④

Reasons attributable to the provider of SMBC Trust Bank App or other third parties

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9.
(1)

Application Mutatis Mutandis of Terms and Conditions
Matters not covered hereby shall be governed by the PRESTIA Online Transaction Terms and Conditions andother related provisions.

10. Amendments to Terms and Conditions(1)

SMBC Trust Bank may change service hours, fees and other contents of SMBC Trust Bank App or any
provision herein without giving a prior notice to the User as of the date designated by the Bank. If the Userraises any objections to such changes, SMBC Trust Bank may terminate or suspend the services hereunder,
without giving a prior notice to the User.

(2)

Terms and Conditions for the Use of SMBC Trust Bank App shall be governed by the laws of Japan. In theevent that legal action is required regarding transactions pursuant hereto, then the User and SMBC Trust
Bank shall agree that it shall come under the exclusive jurisdiction of the Tokyo District Court.

11. Discrepancy(1)

In the event that there is any discrepancy between the English and Japanese versions of these Terms andConditions, the Japanese version shall prevail.
(As of October 1st, 2021)

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