TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
CHAPTER I MEMBERSHIP QUALIFICATION
Article 1 Purpose
These Terms and Conditions set forth the rules regarding GLOBAL PASS (the “Card”), a cash card with
debit card functions issued by SMBC Trust Bank Ltd. (the “Bank”) that integrates the following
functions into one card:(i) Visa debit function, (ii) a cash card function for a savings account with the
Bank (“Cash Card Function”), (iii) J-debit card function (“J-Debit Card Function”), (iv) iD function,and (v) other functions separately set forth in the Special Provisions. The Bank’s terms and conditions
related to deposit accounts apply to the Card, the Terms and Conditions for SMBC Trust Bank Banking
Card (the “Terms and Conditions for Banking Card”) shall apply to the Cash Card Function, and theTerms and Conditions for SMBC Trust Bank J-Debit Card Transactions (the “Terms and Conditions
for J-Debit Card Transactions”) shall apply to the J-Debit Card Function.
Article 2 Members
2.1 A “Principal Member” shall be an individual (if the individual is a minor, that individual must fulfill
the standards prescribed by the Bank) who has made an application to the bank having acknowledged
and agreed to the Bank’s terms and conditions related to deposit accounts, the Terms and Conditions
for Banking Card, the Terms and Conditions for J-Debit Card Transactions, and these Terms andConditions, and who has opened a savings account and a PRESTIA MultiMoney savings account with
the Bank, and who is considered eligible by the Bank. The type of deposit account that can be
designated as an account to settle any amounts payable to Merchants (the “Amount Charged on
Card”) set forth in Article 3 using the Card (the “Designated Account”) shall be limited to the accounttype prescribed by the Bank.
2.2 A “Family Member” shall be a person (if the person is a minor, that person must fulfill thestandards prescribed by the Bank) who is a family member of a Principal Member, who is designatedby that Principal Member as an agent of the Principal Member, and who has consented to bear all
responsibilities set forth in these Terms and Conditions (not including those responsibilities that apply
only to the Principal Member) and made an application for a Family Card (as defined in Article 7) and isapproved by the Bank.
2.3 The Principal Member and any Family Members are collectively referred to as “Members.”
2.4 All Family Members will automatically lose their membership qualification upon the Principal
Member’s losing his or her membership qualification due to cancellation or for any other reason.
2.5 In the event that a Principal Member withdraws or cancels the designation of a Family Member as
an agent, the Principal Member shall notify the Bank in the manner prescribed in Article 28.4, and thePrincipal Member may not assert against the Bank that the Family Member’s rights as an agent haveextinguished prior to such notification.
2.6 Any agreement between a Principal Member and the Bank will come into effect if the Bank accepts
the application for membership.
2.7 Any Member who is a minor shall obtain the consent of a person who has parental authority overthat minor regarding use of the Card.
2.8 Any Member who is a minor may not use the Card if any Merchant has set age restrictions for thepurchase of goods or provision of services, and if his or her age is less than the minimum age
restriction.
2.9 All Family Members shall obtain the consent of the Principal Member regarding use of the Card.

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Article 3 Scope of Application
These Terms and Conditions shall apply to any transaction under which the Bank settles an amountequivalent to the liability incurred by any Member (each a “Trade Payable”) via an International Partner(as defined below) when the Member purchases goods or receives provision of services (including any
withdrawal in any local currency from an overseas ATM (as defined below); each a “PurchaseTransaction”) at any of the following (each, a “Merchant”) by debiting that amount from the accountwith the Bank in the name of the Member, filed in advance as a Designated Account (collectively, the“Services”): (i) a merchant with whom the Bank has executed a merchant agreement; (ii) an
organization that the Bank joins or is affiliated with (including Visa Worldwide Pte. Limited and NTT
DOCOMO, INC.; an “International Partner”); (iii) a financial institution, credit company, or settlement
processing company affiliated with an International Partner (collectively, “Credit Card Partners”); (iv) a
branch or facility (including any shopping website) with whom a Credit Card Partner has executed amerchant agreement; or (v) any automatic teller machine (an “ATM”; these Terms and Conditions shall,in relation to overseas ATMs, prevail over any provisions that conflict with the Terms and Conditions for
Banking Card or any provisions not stipulated in the Terms and Conditions for Banking Card) that is
administered by a financial institution affiliated with an International Partner (an “Overseas Bank”). A
transaction carried out via Visa Worldwide Pte. Limited, an International Partner, is referred to as a
“Visa Debit Transaction” and a transaction via NTT DOCOMO, INC. is referred to as an “iD
Contactless Payment Transaction.” Article 18 through Article 20 shall apply to the method ofsettlement and notifications of the amount used.
Article 4 Purpose of Making Transactions with the Card
Members may use the Card to pay for living expenses within the scope of the spending limits set forthin Article 10 in accordance with the method of use set forth in Article 16. Any withdrawals made throughan overseas ATM are limited to the extent that they cover the costs incurred by the Member whilestaying overseas (such as accommodation expenses, transportation expenses, food and beverage
expenses, any other expenses for food, clothing, or shelter, and the cost for purchasing personal
effects or souvenirs, tuition, or medical expenses).
Article 5 Changes, Etc. to Registered Information
5.1 If there are any changes in the name, address, phone number, email address, occupation,
employer details, or any other similar matters registered with the Bank (collectively, “Registered
Information”), the Member shall notify the Bank of the changes without delay in the mannerprescribed by the Bank.
5.2 If any Member wishes to change his or her name or PIN (which hereinafter means a PIN for a
Visa Debit Transaction and iD Contactless Payment Transaction), or if the Bank considers it necessary
to make such a change, the Member shall register that change with the Bank without delay by fillingout and submitting the notification form prescribed by the Bank, together with the Card set forth in
Article 7 if required by the Bank. The Bank will not be responsible for any disadvantage or damage
incurred by the Member in connection with unavailability of the Card until a new card is issued, unlessthe disadvantage or damage incurred is due to negligence on the part of the Bank.
5.3 Even in the event that a notification set forth in Article 5.1 or 5.2 has not been made, if the Bank
reasonably determines that there has been a change in the Registered Information based on personal
information or any other information obtained by the Bank through lawful and appropriate means, theBank may treat such change as having been notified to the Bank as set forth in Article 5.1 or 5.2.
Members may not raise any objections to any such treatment by the Bank.
5.4 If any notice, document or other material sent from the Bank arrives late or does not arrive

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forth in Article 5.1 or 5.2, such notices or documents will be deemed to have been received by theMember at the time such notices or documents should have normally been received. However, thisprovision will not apply in the event that such notification is not filed due to any reason not attributable
to the Member.
5.5 If the Bank reasonably suspects that any Member constitutes a person set forth in Article 27.1(6)or Article 27.1(7), the Bank may investigate the relevant matters and request the Member to submit any
materials as necessary, and the Member shall comply with the request.
5.6 Members shall acknowledge in advance that they cannot change the Designated Account for theCard or the card design.
5.7 Members shall acknowledge in advance that the Bank may change the card design without noticeas it deems necessary.
Article 6 Changes to these Terms and Conditions and Consent to Changes
6.1 Each provision of these Terms and Conditions and any other terms or conditions may be changed
by displaying such changes at branches of the Bank, publishing them on the Bank’s website, or
announcing them in any other reasonable manner, in the event that such changes are deemed
appropriate in light of any changes in financial situation, laws and ordinances, or other circumstances,or for any other appropriate reason.
6.2 Any changes set forth in Article 6.1 will come into effect on the day when a reasonable period of
one month or more as prescribed in the announcement has passed.
CHAPTER II MANAGEMENT OF THE CARD
Article 7 Lending and Handling of the Card
7.1 The Bank will issue and lend to each Member a physical card (the “Physical Card”) on which theMember’s name, the card number, card expiration date, etc. (the “Card Information”) are printed. A
Physical Card lent to a Family Member is referred to as a “Family Card.”
7.2 Each Member shall affix his or her signature on the signature line of the card immediately uponreceipt of the card from the Bank. Members shall, even after the Card is issued, comply with theconfirmation procedures pertaining to the Registered Information (as defined in Article 5.1) if requestedby the Bank.
7.3 Ownership of the Physical Card belongs to the Bank, and the Physical Card and any Card
Information pertaining to the Card may not be used by any person other than the Member whose nameis printed on the Physical Card.
7.4 Members shall use, store, and manage the Card with the due care of a good manager. Members
may not lend, assign, or pledge the Card to, or lodge or deposit it with any other person, and may notcause any other person to use or transfer possession of the Card for any reason whatsoever.
7.5 Use of the Physical Card or Card Information of a Family Card by any Family Member will beconsidered use by that Family Member as an agent of the Principal Member, and any Trade Payable
based on such use of the Physical Card or Card Information shall belong to the Principal Member. In
such case, the Family Member shall consent in advance to the Bank’s disclosure to the Principal
Member of the usage details and status of the Family Card if the Principal Member makes an inquiry
with the Bank about the usage details, status, etc. of the Family Card.
7.6 In addition to complying with these Terms and Conditions himself/herself, the Principal Member
shall cause the holders of Family Cards to also comply with these Terms and Conditions, and such
Principal Member shall be liable for any damage incurred as a result of the Member’s breach of theseTerms and Conditions (including, without limitation, damage in connection with a breach of Article 7.3 or

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7.7 If any Member breaches Article 7.3 or 7.4 when using, storing, or managing the Card, and theCard was fraudulently used due to reasons arising out of such breach, the Member shall be liable to
pay the entire Amount Charged on Card.
7.8 The Card will be issued by the Bank or a third party delegated by the Bank.
Article 8 Expiration Date of the Card
8.1 The expiration date of the Card shall be designated by the Bank and it shall be the last day of themonth indicated on the face of the Physical Card. However, if the Services cease to be provided before
the expiration date, the Card may expire upon the termination of the Services.
8.2 If any Member does not request to cancel the Card in the manner prescribed by the Bank no later
than two months before the expiration date, and the Bank continues to accept the Member as amember, the Bank will send the Member a new card. The Member shall immediately cut up and destroy
the expired Physical Card. The Bank might not issue a new card if there is no settlement by theMember of the Amount Charged on Card for a certain period as set forth by the Bank.
8.3 These Terms and Conditions shall apply even after the expiration date of the Card to any
payments that were made using the Card prior to its expiration.
Article 9 PIN for the Card
9.1 The Bank shall register each Member’s requested PIN for the Card in the prescribed manner. The
Member may not register certain prohibited number combinations prescribed by the Bank as his or her
PIN. The Bank may register a Member’s PIN under Article 2 of the Terms and Conditions for Banking
Card as the Member’s PIN for the Card as necessary and without any request from the Member.
9.2 The Member shall manage his or her PIN with the due care of a good manager to ensure that it is
not discovered by any third party. If the registered PIN is used when using the Card, the Member shallbe liable to pay the entire liability arising as a result thereof, unless the Bank is responsible for suchuse.
9.3 The Member shall accept in advance that the Card must be reissued in accordance with theprovisions of Article 11 if he or she changes the PIN for the Card.
Article 10 Spending Limits on the Card
10.1 The Card may be used for shopping and overseas ATM withdrawals within the deposit balance of
the Designated Account and up to the maximum amount for shopping and overseas ATM withdrawals(“Spending Limits”) set forth in Article 10.2. However, Members shall acknowledge in advance that
this Card may be used in excess of the deposit balance of the Designated Account in the event that theMember uses the Card during times when any system is down (due to maintenance of the transaction
system for the Card or the like), the Member does not follow the procedures set forth in Article 18.1, or
the Final Amount under Article 18.3 exceeds the Reserved Amount under Article 18.1.
10.2 Members shall acknowledge in advance that the Bank may set the following limits for use of theCard for domestic or international shopping or overseas ATM withdrawals: (i) a spending limit pertransaction, (ii) a cumulative spending limit per day, and (iii) a cumulative spending limit per month. Thebase day for setting the limit for shopping and overseas ATM withdrawals shall be a period of 24 hours
starting at midnight (Japan Standard Time) and ending at midnight (Japan Standard Time) on thefollowing day, and the base month also starts at midnight (Japan Standard Time) on the first day of themonth and ends at midnight (Japan Standard Time) on the first day of the following month. The Bank
shall announce on its website or in any other prescribed manner the maximum amount for shoppingand overseas ATM withdrawals.

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10.3 Members may make a request in the manner prescribed by the Bank to change the maximum
amount for shopping and overseas ATM withdrawals set forth in Article 10.2, and the maximum amountfor shopping and overseas ATM withdrawals may be changed if considered appropriate by the Bank.
10.4 Notwithstanding the provisions of the Terms and Conditions for Banking Card, this Article shallprevail with respect to the maximum amount for overseas ATM withdrawals.
Article 11 Card Reissuance11.1 If the Card is lost, stolen, damaged, or destroyed and the Member submits a notice prescribed by
the Bank, and if the Bank considers it appropriate, the Bank will reissue the Card. In such case, theMember shall pay the card reissuance fee prescribed by the Bank.
11.2 If the Bank reissues the Card in accordance with the provisions of Article 11.1, the Member shallacknowledge in advance without objection that the Member’s name, card number, card expiration date,etc. for the Card (the “Card Data”) may be changed from the previous Card Data.
11.3 If any Member applies for reissuance of the Card, the Member shall be responsible for destroying
the previously used card (by cutting up the magnetic stripe and IC chip), and the Bank shall not beliable for any damage incurred by the Member as a result of his or her failure to do so.
Article 12 Lost, Stolen, or Forged Card
12.1 If the Card or the Card Data is fraudulently used by a third party through loss, theft, fraud, orembezzlement (collectively, “Loss or Theft, Etc.”) (this Article and Article 13 do not apply towithdrawals through domestic ATMs, J-Debit card transactions, and bank transfers that occurred
through fraudulent use of the Card by any third party, in which case the Terms and Conditions for
Banking Card will apply), the Member shall be liable for the entire amount payable arising from suchuse of the Card or the Card Data.
12.2 If Loss or Theft, Etc. of the Card or the Card Data has occurred, the Member shall promptly
notify the Bank to that effect and report the Loss or Theft, Etc. to the nearest police station. The Bank
may ask the Member to submit a separate written notice to the Bank.
12.3 The Member will not be liable to pay any Amount Charged on Card spent with a forged card. Insuch case, the Member shall cooperate with the investigation of the damage, situation, etc.
12.4 Notwithstanding Article 12.3, the Member shall be responsible to pay the entire Amount Charged
on Card spent with a forged card if such use of the forged card is through the Member’s willful
misconduct or negligence.
12.5 The Member shall acknowledge in advance that the Bank may invalidate the Card at its
discretion if it determines that the Card may have been fraudulently used for reasons that have cometo the attention of the Bank (such as cases where a third party has found a lost Card).
Article 13 Member Indemnification Program
13.1 Notwithstanding the provisions of Article 12.1, in the event that Loss or Theft, Etc. of the Card or
the Card Data occurs and the Card or the Card Data is fraudulently used by a third party, and theMember reports the Loss or Theft, Etc. to the police and the Bank in accordance with Article 12.2, theBank will indemnify the Member for any damage incurred by the Member due to the fraudulent use of
the Card.
13.2 The maximum amount that will be indemnified by the Bank will be 5,000,000 yen per year for the
Principal Member and his or her Family Members altogether.
13.3 The indemnification period will be a period of one year from the issue date of the card and will be
automatically renewed on an annual basis.
13.4 Notwithstanding the provisions of Article 13.1 through 13.3, the Bank will not be liable to

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indemnify for any damage if:(1) the damage was caused by reasons attributable to the Member’s willful misconduct ornegligence;(2) the damage was incurred outside of the indemnification period;(3) the damage was caused due to reasons attributable to fraudulent use by the Member’s family
or cohabitants, or an agent who was to receive the Card sent from the Bank;(4) the Member failed to fulfill his or her obligations set forth in Article 13.5;(5) the report of the Loss or Theft, Etc. or of any damage is false;(6) the damage involves transactions requiring the entry of a PIN for shopping or overseas ATM
withdrawals or the damage was caused in connection with shopping using the Online
Authorization Service set forth in the GLOBAL PASS Membership Web Service Special
Provisions (however, this provision will not apply if the Bank determines that there was nowillful misconduct or negligence on the part of the Member with regard to the management of
the PIN registered with the Bank; and damage may not be indemnifiable if the Member does
not register with the Online Authorization Service);(7) the damage was incurred not less than 61 days prior to the date on which the Bank received
the notice of Loss or Theft, Etc. under Article 12.2;(8) the damage was caused by Loss or Theft, Etc. during significant disruption of order due to war,
earthquake, etc.; or(9) the damage was due to use of the Card in breach of these Terms and Conditions.
13.5 When requesting the Bank to indemnify the Member for any damage, the Member shall submit to
the Bank, in the manner prescribed by the Bank, documents that the Bank considers necessary forindemnification for damages within 30 days from the date on which the Member becomes aware of theoccurrence of damage, and the Member shall cooperate in the investigation of the damage, situation,etc.
13.6 Notwithstanding the provisions of the Terms and Conditions for Banking Card, this Article shallprevail with respect to indemnification for overseas ATM withdrawals.
Article 14 Suspension of the Card
14.1 The Bank may temporarily prevent any Member from using the Card for shopping and/or ATM
withdrawals if the Bank detects suspicious card activity (for example, the Member intends to purchaseproducts that can be easily converted to cash, such as precious metals or cash vouchers, continuously
in a short period of time; the Member frequently intends to withdraw money from any ATM in a shortperiod of time; or the Bank determines that the Member’s actions are, or are likely to be, actions
prohibited under Article 7.4) or due to circumstances such as the Member’s payment status of theAmount Charged on Card (for example, the Bank is unable to debit the amount from the DesignatedAccount set forth in Article 22).
14.2 The Bank may withhold or refuse the use of the Card for shopping and/or ATM withdrawals
without prior notice to Members if the Bank determines that there is a possibility that the Card or theCard Data has been fraudulently used by a third party. In such case, the Bank may request Merchants
to cancel any sale and purchase transactions without prior notice to Members.
14.3 The Bank may temporarily suspend the Card for shopping and/or ATM withdrawals, or collect the
Physical Card through any Merchant or any ATM if the Bank believes that any Member is in breach of,or is likely to be in breach of, these Terms and Conditions (including any breach of the purpose of
making transactions set forth in Article 4) or if it detects any suspicious card activity. The Member shallcomply with any request for collection of the Physical Card without objection if requested to do so by
any Merchant.

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14.4 If the Bank believes that any Member’s actions constitute, or are likely to constitute, an act set
forth in Article 14.1 through 14.3, the Bank may request the Member to present the Card and personal
identification and other documents to the Bank in the manner prescribed by the Bank, and the Member
shall comply with the Bank’s request.
14.5 The Bank may, if considered necessary by the Bank pursuant to the Act on Prevention of Transfer
of Criminal Proceeds or other reasons, request any Member to submit or file documents designated by
the Bank, and may restrict the use of the Card in countries or regions where the systems related to thesame Act are not sufficiently established.
Article 15 Supplemental Services, Etc.
15.1 Members may use supplemental services and benefits of the Card (collectively, the“Supplemental Services”) provided by the Bank. Supplemental Services available to Members andthe details thereof will be separately notified by the Bank to Members or will be posted on the Bank’s
website.
15.2 If there are rules or the like governing the use of Supplemental Services, Members shall comply
therewith and acknowledge in advance that the Supplemental Services may not be available.
15.3 Members shall acknowledge in advance that the Bank may change the Supplemental Services ordetails thereof if deemed necessary by the Bank.
15.4 If any Member’s membership qualification is cancelled pursuant to Article 27 or if the Member
withdraws his or her membership pursuant to Article 28, the Member will lose his or her right to use theSupplemental Services (including the benefits already obtained before the membership qualification
cancellation or membership withdrawal).
CHAPTER III METHOD OF USING THE CARD AND PAYMENT METHODSOF AMOUNTCHARGED ON CARD
Article 16 Use of the Card for Shopping and Overseas ATM Withdrawals
16.1 Available Merchants and Overseas ATMs
Members may use the Card at the Merchants set forth in Article 3. However, Members should pay
careful attention to the risk of theft or malicious use of Card Data or any other personal information, orforgery or alteration of sales slips when using the Card at Merchants.
16.2 Procedures for Use at Merchants’ Storefronts or Overseas ATMs
When purchasing goods or otherwise engaging in transactions, Members may engage in sale andpurchase transactions by presenting the Card to Merchants, have the terminals equipped with functions
related to Visa Debit Transactions or iD Contactless Payment Transactions (“Terminals”) read the Card
Information, and affixing the same signature as the one on the Card on the prescribed sales slip for
Visa Debit Transactions and without affixing any signature for iD Contactless Payment Transactions.
However, if any Merchant believes that the signature on the sales slip is not the same signature as theone on the back of the Card, the Member may not use the Card. At any Merchant where the Bank
considers it appropriate, the Member may engage in transactions without affixing his or her signature to
the sales slip, or by entering his or her PIN using a Terminal in lieu of or in conjunction with affixing his
or her signature or in any other similar way that the Bank considers appropriate. The Member shallinsert the Card into any overseas ATM and enter his or her PIN to engage in withdrawal transactions at
the ATM.
16.3 Procedures for Use in Transactions by Mail, Fax, or Telephone
In the event that any Member carries out transactions with any Merchant that is approved in advanceby the Bank or other credit card company for conducting transactions by mail, fax, telephone, etc., theMember may, instead of presenting the Card, fill in the application form for the transaction with the Card

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Information and the registered address and other relevant information, or by notifying the Merchant of
the above matters by telephone, as a means of settlement of liabilities incurred by the Member throughsuch transactions.
16.4 Procedures for Use in Online Transactions
In the event that any Member carries out transactions with any Merchant that is approved in advanceby the Bank or other credit card company for conducting transactions online, such as through computercommunications or the Internet, the Member may, instead of presenting the Card, send the Member’s
personal information such as the Card Information and the registered address and other relevant
information online to the Merchant as a means of settlement of liabilities incurred by the Member
through such transactions. However, in principle, Members may not use the Card for financial services
via the Internet at overseas Merchants (for example, purchasing overseas financial instruments,
settlement of overseas FX and internet casino transactions, and small remittance services).
16.5 Procedures for Use of IC Card
The Card is equipped with an IC chip, and each Member shall enter his or her PIN using Terminals orother similar devices at Merchants designated by the Bank, instead of affixing his or her signature to
the sales slip. However, the Member will be requested to use the Card in another manner in the eventof a Terminal failure or in the event that other methods considered appropriate by the Bank areprescribed separately.
16.6 Procedures for Use of the Card as a Means of Payment for Continuous Charges
Members may, if considered appropriate by the Bank, use the Card as a means of paying the charges
for communications services and any other charges that may arise continuously. In such case, theMember shall, at his or her own responsibility, register the Card Information with the Merchant inadvance, and in the event of any change in the Card Information registered with any Merchant due tothe renewal of the Card, or in the event that the Card becomes invalid due to withdrawal or cancellationof membership, the Member shall notify the Merchant to that effect and carry out the procedures tochange the means of payment. In addition, the Member shall acknowledge in advance that, when
considered necessary by the Bank, the Bank may, on behalf of the Member, notify the Merchant of any
Card Data that has been changed or is invalid (including cases via a corporation other than the Bank
with which the Merchant concludes a contract in order to enable payment using the Card).
16.7 In principle, the use of the Card shall require the approval of the Bank, and in such cases,
Members shall acknowledge in advance that the Bank will make inquiries with Merchants or theMember himself or herself about the use status of the Card and other information, depending on thetransaction that the Member carries out, the type of products that the Member purchases, or theamount spent.
16.8 Notwithstanding the provisions of Article 16.1, Members shall acknowledge in advance that theCard may not be usable at certain Merchants such as highway locations or certain hotels.
16.9 Members shall acknowledge that the Card may not be usable due to maintenance, breakdowns,
or failures or the like of systems, communication lines, or Terminals. The Bank shall not be liable in any
way for any damage or whatsoever, suffered by any Member due to any of the foregoing, unless those
failures are attributable to the Bank.
Article 17 Acknowledgements, Etc. Regarding Assignment of Receivable17.1 Each Member shall acknowledge each of the following items in advance with respect to payment
claims held by Merchants against the Member arising as a result of any transactions using the Card for
shopping and overseas ATM withdrawals and shall waive any right of defense (including, without
limitation, the defense of simultaneous performance, the defense of offset, and the defense ofcancellation, revocation, or invalidation), unless the Member is permitted to assert to the Bank a

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(1) In accordance with an agreement between the Bank and Merchants, any Merchant will assign
receivables to the Bank, or the Bank will make advance payment to the Merchant on behalf ofMembers. In such case, the assignment or advance payment may be made through a third
party considered appropriate by the Bank.
(2) In accordance with an agreement between Credit Card Partners and Merchants, Merchants willassign receivables to Credit Card Partners, or Credit Card Partners will make advancepayment to Merchants on behalf of Members, and Credit Card Partners will assign receivables
to the Bank. In such case, the assignment or advance payment may be made through a third
party considered appropriate by the Bank.
(3) In accordance with an agreement between the Bank and International Partners, Credit Card
Partners will assign receivables to the Bank, or the Bank will make advance payment to Credit
Card Partners on behalf of Members. In such case, the assignment or advance payment may
be made through a third party considered appropriate by the Bank.
17.2 Any transactional dispute arising out of the use of the Card shall be settled between the Member
and the Merchants. In the event that the Member and the Merchants agree to cancel a transaction after
the Member has used the Card for the transaction with the Merchants, the settlement of such payment
shall be made in the manner prescribed by the Bank.
17.3 In order to identify and confirm the details of receivables pertaining to the use of the Card, each
Member shall consent to Merchants disclosing to the Bank the goods or services purchased using theCard, the details of telephone calls or any other details of transactions carried out using the Card andany information related thereto, and the details of telephone calls including the telephone numbers of
telephone call recipients. However, the details of telephone calls shall be disclosed only with the priorconsent of the Member.
Article 18 Method of Settlement of Purchase Transactions
18.1 When any Member engages in a Purchase Transaction with any Merchant in the manner set forthin Article 16, the Member is deemed to have given an instruction to the Bank to debit the amountequivalent to the Trade Payable from the Designated Account and is deemed to have delegated the
Bank to pay the Trade Payable with the money debited. If the Bank accepts such instruction anddelegation, the Bank will immediately debit the amount equivalent to the Trade Payable from the
Designated Account of the Member based on the usage information pertaining to the PurchaseTransaction (the “Usage Information”) received from the Merchant (these procedures shall behereinafter referred to as the “Reservation Procedures” and the reserved amount equivalent to theTrade Payable that is withheld shall be referred to as the “Reserved Amount”). The Bank will not
perform any Reservation Procedures, and the Card transaction will not be performed, if:(1) the Reserved Amount based on the Usage Information exceeds thebalance deposited in the
Designated Account;(2) the overdraft amount set out in the Bank’s terms and conditions would exceed the overdraft
limit if the Reservation Procedures are performed based on the Usage Information; or(3) the debit from the Designated Account is impossible due to the account or transaction status of
the Member or other reasons.
18.2 In the event that the Usage Information is received late due to any communication situation with
the Merchants, the Bank shall perform the Reservation Procedures upon receipt of the Usage
Information.
18.3 Upon receipt from the Merchants of the sales confirmation notice (the “Sales Confirmation
Notice”) pertaining to any Purchase Transaction concluded between any Member and the Merchants

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after the completion of the Reservation Procedures by the Bank, the Bank shall pay the amountequivalent to the Trade Payable based on the relevant Sales Confirmation Notice (the “Final Amount”)
to the Merchants. Upon receipt of the Sales Confirmation Notice, the Bank shall collate the Reserved
Amount with the Final Amount, and in the event that the Reserved Amount exceeds the Final Amount,
the amount equivalent to the difference between the Final Amount and the Reserved Amount shall be
refunded to the Designated Account of the Member in the manner prescribed by the Bank. In the eventthat the Reserved Amount is less than the Final Amount, the amount equivalent to the difference shallbe debited from the Designated Account of the Member.
18.4 In the event that the Sales Confirmation Notice is not received from the Merchants even after acertain period prescribed by the Bank has passed after the completion of the Reservation Proceduresby the Bank, the Reserved Amount shall be refunded to the Designated Account. However, if the Sales
Confirmation Notice is received from the Merchants thereafter, the Bank shall debit the Final Amountfrom the Designated Account of the Member using the procedures prescribed by the Bank and pay it to
the Merchants upon receipt of the relevant Sales Confirmation Notice.
18.5 In the event that the Usage Information is not received from the Merchants and only the Sales
Confirmation Notice is received due to any communication situation with the Merchants or any
procedure at the Merchants, the Bank shall debit the Final Amount from the Designated Account of theMember using the procedures prescribed by the Bank upon receipt of the relevant Sales Confirmation
Notice and pay it to the Merchants.
18.6 In the event that any Member or Merchant cancels any Purchase Transaction due to any return orcancellation before receipt of the Sales Confirmation Notice by the Bank after completion of theReservation Procedures by the Bank, the Bank shall refund the Reserved Amount to the DesignatedAccount of the Member using the procedures prescribed by the Bank based on the Usage Information
pertaining to the return or cancellation received from the Merchants (the “Purchase Cancellation
Information”).
18.7 In the event that any Member or Merchant cancels any Purchase Transaction due to any return orcancellation after receipt of the Sales Confirmation Notice by the Bank, the Bank shall refund theReserved Amount to the Designated Account of the Member using the procedures prescribed by the
Bank based on the Purchase Cancellation Information received from the Merchants. Subsequently,
when the Sales Confirmation Notice pertaining to the return or cancellation (the “Cancellation Noticefor Sales Confirmation”) is received, the Bank shall collate the amount to be refunded based on thePurchase Cancellation Information with the amount to be refunded based on the Cancellation Noticefor Sales Confirmation, and if there is any difference, using the procedures prescribed by the Bank, theamount equivalent to that difference shall be debited from the Designated Account of the Member if theamount to be refunded based on the Purchase Cancellation Information exceeds the amount to berefunded based on the Cancellation Notice for Sales Confirmation. If the amount to be refunded basedon the Purchase Cancellation Notice is less than the amount to be refunded based on the Cancellation
Notice for Sales Confirmation, the Bank will make an additional refund into the Designated Account of
the Member. If the Cancellation Notice for Sales Confirmation is not received from the Merchants withina certain period prescribed by the Bank after receipt of the Purchase Cancellation Information, theBank shall once again debit the Final Amount from the Designated Account of the Member. However, if
the Cancellation Notice for Sales Confirmation is received from the Merchants thereafter, that amountshall be refunded to the Designated Account of the Member using the procedures prescribed by the
Bank after the Cancellation Notice for Sales Confirmation is received.
18.8 In the event that the Bank is unable to debit during the procedures for debiting the DesignatedAccount of the Member set forth in Article 18.3 through 18.7 because the balance of the DesignatedAccount of the Member is less than the amount to be debited, or due to any other reason whatsoever,

TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
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the provisions of Article 22.1 shall apply.
Article 19 Method of Notification of Amount Charged on Card
19.1 Prior to using the Card, Members shall agree to the Special Provisions for the Use of GLOBALPASS Membership Web Services and shall register to use the web services (the “Web Services”)
through which account activities of the Amount Charged on Card can be confirmed online. Members
shall access the URL displayed in the main text of the email set forth in this Article promptly after
receiving it and confirm the breakdown of the Amount Charged on Card by using the Web Services.
19.2 The Bank will send an email to the email address registered by each Member for the PRESTIA
Alert Service at PRESTIA Online (the “Designated Email Address”) to notify the Member that theCard was used.
Article 20 Method of Settling Amount Used Overseas
20.1 In the event that any Member uses the Services overseas, and the amount equivalent to theTrade Payable is denominated in a foreign currency (the “Amount Charged in Foreign Currency”),
the settlement method shall be as follows. Any matters not stipulated in this Article shall be handled inaccordance with Article 18.
20.2 The Reservation Procedures shall be as follows.
(1) Where the Amount Charged in Foreign Currency is in a currency covered by the Services:(i) If the Member holds a PRESTIA MultiMoney Foreign Currency Savings Deposit Account (a“Foreign Currency Account”) in the same currency as the Amount Charged in Foreign
Currency, and if it is possible to debit from the Foreign Currency Account, then the Bank willdebit from the Foreign Currency Account.
(ii) If the Member holds a Foreign Currency Account in the same currency as the AmountCharged in Foreign Currency and is using the GAIKA Fullback (which hereinafter means thefunction by which the Reservation Procedures are performed through a debit of the Member’s
yen savings account (“Yen Savings Account”) where (a) the balance of the Foreign
Currency Account is less than the amount of the Usage Information or (b) the Member does
not hold a Foreign Currency Account in the same currency as the Usage Information), in theevent that it is not possible to debit (such as when the Foreign Currency Account balance isless than the amount to be debited), the amount converted into yen at the rate that is theexchange rate designated by the International Partner when the Usage Information isreceived by the International Partner’s Settlement Center plus the fee prescribed by the Bank
(overseas administration fee) (the “Foreign Exchange Rate”) shall be debited from the Yen
Savings Account.
(iii) If the Member does not hold a Foreign Currency Account in the same currency as the AmountCharged in Foreign Currency, and is using the GAIKA Fullback, the amount converted into
yen at the Foreign Exchange Rate shall be debited from the Member’s Yen Savings Account.
(iv) Even if the Member holds a Foreign Currency Account in the same currency as the AmountCharged in Foreign Currency, the amount converted into yen at the Foreign Exchange Rateshall be debited from the Member’s Yen Savings Account if the Member is using the JPY
Payment (which hereinafter means the function to debit from the Yen Savings Accountregardless of the balance of the Foreign Currency Account) (only if the Bank provides the JPY
Payment).
(2) Where the Amount Charged in Foreign Currency is in a currency not covered by the Services:
If the Amount Charged in Foreign Currency is in a currency not covered by the Services, theBank will debit the amount converted into yen at the Foreign Exchange Rate from the

TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
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Member’s Yen Savings Account.
20.3 The final payment procedure shall be as follows.
(1) In the case of Article 20.2(1)(i), the Bank will collate the Reserved Amount with the Final
Amount, and if the Reserved Amount exceeds the Final Amount, the Bank will refund theamount equivalent to the difference to the Member’s Foreign Currency Account. If theReserved Amount is less than the Final Amount, the amount equivalent to the difference will bedebited from the Member’s Foreign Currency Account.
(2) In the case of Article 20.2(1)(ii), 20.2(1)(iii), 20.2(1)(iv), and 20.2(2), the amount equivalent to
the Foreign Exchange Rate at the time the Sales Confirmation Notice is received by theInternational Partner’s Settlement Center plus the fee prescribed by the Bank (overseas
administration fee) will be considered as the Final Amount, and the Bank will collate suchamount with the Reserved Amount, and if the Reserved Amount exceeds the Final Amount, theamount equivalent to the difference will be refunded to the Member’s Yen Savings Account. If
the Reserved Amount is less than the Final Amount, the amount equivalent to the difference
will be debited from the Member’s Yen Savings Account. Notwithstanding the foregoing, evenin the case of Articles 20.2(1)(ii), 20.2(1)(iii), and 20.2(1) (iv), if the Bank receives the Sales
Confirmation Notice in separate parts, the Sales Confirmation Notice and the Usage
Information are not linked, or for other reasons, the Bank may debit the amount from theMember’s Foreign Currency Account despite the usage of the GAIKA Fullback or JPY
Payment.
(3) In the event that the Sales Confirmation Notice and the Usage Information are not linked, theBank will debit from the Designated Account of the Member the amount based on the Sales
Confirmation Notice in the currency based thereon. For any unlinked Usage Information, theBank will refund the amount debited based on the Usage Information to the DesignatedAccount of the Member if the Sales Confirmation Notice is not received by the Bank within acertain period prescribed by the Bank.
20.4 In the event that any Member or Merchant cancels any Purchase Transaction due to any return orcancellation after the Bank completes the Reservation Procedures and before the Bank receives theSales Confirmation Notice, the Bank will refund as follows pursuant to the Purchase Cancellation
Information from the Merchant or as necessary even without the Purchase Cancellation Information.
(1) In the case of Article 20.2(1)(i), Article 20.2(1)(ii), Article 20.2(1)(iii), and Article 20.2(1)(iv), theReserved Amount will be refunded to the Member’s Designated Account. However, if therefund is unable to be made to the Foreign Currency Account due to cancellation of the Foreign
Currency Account or for any other reason, the amount converted into yen at the exchange rate(TTB) prescribed by the Bank when the Bank completes the collation shall be refunded to theMember’s Yen Savings Account.
(2) In the case of Article 20.2(2), the Reserved Amount will be refunded to the Member’s Yen
Savings Account.
20.5 In the event that any Member or Merchant cancels any Purchase Transaction due to any return orcancellation or other reasons after the Bank receives the Sales Confirmation Notice, the Bank will
refund as follows.
(1) The Reserved Amount will be refunded to the Designated Account pursuant to the Purchase
Cancellation Information. If the currency of the Reserved Amount and that of the Cancellation
Notice for Sales Confirmation differs, then upon receipt of the Cancellation Notice for Sales
Confirmation, the Bank shall collate the amount of refund based on the Purchase Cancellation
Information with the amount of refund calculated based on the Foreign Exchange Rate when
the Cancellation Notice for Sales Confirmation is received by the International Partner’s

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Settlement Center. In a case where there is any difference, procedures prescribed by the Bank
will be used to (a) further debit the amount of such difference if there is an excess in theamount of refund or (b) refund the amount to the Member’s Designated Account if there is a
shortfall in the amount of refund. If the Purchase Cancellation Information received from a
Merchant and the Cancellation Notice for Sales Confirmation are not linked, or if the Bank does
not receive any Purchase Cancellation Information, the Bank will make a refund into the
Designated Account of the Member based on the Cancellation Notice for Sales Confirmation
and will not adjust the amount based on the Purchase Cancellation Information.
(2) In the event that the Cancellation Notice for Sales Confirmation is not received within a certain
period after receipt of the Purchase Cancellation Information as set forth in Article 20.5(1), theBank shall once again debit the Final Amount from the Designated Account.
20.6 Each Member shall understand and agree that, in the case of Article 20.2(1)(ii), Article 20.2(1)(iii),
Article 20.2(1)(iv), or Article 20.2(2), or in the case that a Member or Merchant cancels any PurchaseTransaction due to any return or cancellation, there may be a gain or loss resulting from the then applicable exchange rate depending on the respective procedures in Article 20.2 through 20.5, andsuch loss will be borne by the Member.
20.7 Members shall bear the fees prescribed by the Bank for all transactions set forth in Article 20.2(1)and 20.2(2) in connection with the use of overseas ATMs (ATM charges), as well as any administration
fees prescribed by the Bank (overseas administration fee) in the case of Article 20.2(1)(ii), Article
20.2(1)(iii), Article 20.2(1)(iv), or Article 20.2(2). Members may also be liable to bear additional feesprescribed by the organizations owning the ATMs.
20.8 In the event that the Bank is unable to debit during the procedures for debiting from the Member’ssavings account set forth in Article 20.2 through 20.5 because the balance of the Member’s savings
account is less than the amount to be debited or for any other reason, the provisions of Article 22.1
shall apply.
20.9 If a Member chooses yen at any Merchant that provides settlement in yen at the exchange rate of
the Merchant, the Bank will debit from the Member’s Yen Savings Account, regardless of the currency
used. If a Member or Merchant cancels any transaction due to any rescindment, return, or terminationor any other form of cancellation, the refund may be made in a foreign currency.
Article 21 Settlement Rate for Amount Used Overseas, etc.
21.1 In a case where any settlement is made in a foreign currency, the Amount Charged on Card thatis in a foreign currency not covered by the Services or is to be made through withdrawal from a Yen
Savings Account (including cases where the Card is used in Japan) or the amount of refund due to any
rescindment, return, or termination or any other form of cancellation by a Member or Merchants shallbe converted into yen at the rate that is the exchange rate prescribed by the International Partner at thetime such amount is settled at the International Partner Settlement Center plus the fee prescribed by
the Bank as the overseas administration fee. However, the exchange rate under Article 20.9 is an
exchange rate established independently by each Merchant, and it may differ from the rate of the Bank
or International Partner.
21.2 If any Member uses the Card outside Japan, and if any permits, certificates, or any otherdocuments are required pursuant to the laws, ordinances, and other regulations regarding foreignexchange and foreign trade control that are currently applicable or that will be applicable in the future,
the Member will comply with the Bank’s request to submit any required documents. Use of the Cardoutside Japan may be restricted or suspended.
21.3 If any Member uses the Card to withdraw money from an overseas ATM, the Member will bear
the charges prescribed by the Bank and the Overseas Banks, and shall pay such charges together withTERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
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the Amount Charged on Card.
Article 22 Method of Payment in Case of Insufficient Designated Account Balance
22.1 In the event that the Bank is unable to debit from the Designated Account of any Member, due toinsufficient funds, (i) the amount equivalent to the Trade Payable owed to the Bank pursuant to theprovisions of Article 18 less the amount equivalent to the Trade Payable already debited, (ii) the annual
membership fee for the Card, (iii) the Card reissuance fee, or (iv) all or part of any other debts underthese Terms and Conditions, the Bank may appropriate such debts in the order and manner consideredappropriate by the Bank. The Member will immediately bear the obligation to pay the remaining debts
after the appropriation, and the Bank may debit from the Designated Account of the Member all or partof the remaining debts on any date regardless of the provisions of Article 18, or instruct the Member topay such remaining debts in the manner prescribed by the Bank. In such case, the Member shall pay
such remaining debts at the time, place, and in the manner designated by the Bank. If the amount paidby the Member pursuant to this Article 22.1 is less than the full amount of the remaining debts, suchamount may be appropriated to any of the debts in the order and manner considered appropriate by the
Bank. The Member shall bear exchange fees or any other fees and the costs required to appropriate
such debt. The Bank will not be liable for any disadvantage incurred by the Member except where there
are grounds attributable to the Bank when appropriating such debt.
22.2 The Member shall bear the costs associated with making the payment set forth in Article 22.1.
22.3 Each Member shall agree in advance that his or her membership qualification for the Card will becancelled if the Bank is unable to debit from the Designated Account of the Member for 60 days ormore since the occurrence of insufficient funds.
Article 23 Disputes with Merchants and Handling of Refunds
23.1 Any defects or faults with goods or the like, or any other transactionrelated problems that arise
between any Member and any Merchant regarding goods that the Member purchased or received
provision of from the Merchant using the Card shall be resolved between the Member and theMerchant.
23.2 Any problems that may arise between any Member and any of the Overseas Banks, including
being unable to withdraw foreign currency from an overseas ATM, shall be resolved between theMember and the Overseas Banks.
23.3 The Bank will not be responsible for any problems arising between any Member and Merchantset forth in Articles 23.1 and 23.2.
23.4 If, after the Card is used, it is found that such use of the Card caused a transaction between any
Member and any Merchant pertaining to the purchase or provision of goods or the like to be invalid, oran overseas ATM withdrawal transaction to be invalid, or if such transaction was cancelled or revoked,
the Bank will refund into the Designated Account of the Member as soon as the Bank confirms theresults of procedures carried out by the Merchant.
Article 24 Delinquency Charges
In the event that any Member fails to perform his or her obligations under these Terms and Conditions,
the Member shall pay delinquency charges to the Bank calculated at an annual rate of 14.6% on theamount payable by the Member. In such case, the delinquency charges will be calculated per diem
based on a 365-day year (or on a 366-day year in the case of a leap year).
CHAPTER IV MANAGEMENT OF INFORMATION
Article 25 Management of Information and Consent

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25.1 Each Member shall consent in advance to the Bank’s provision of his or her membership
information to the company to which it delegates information and administrative processing work,
including his or her Designated Account and Card numbers, and sales slips to the extent necessary for
issuing and delivering the Card and to perform any other Cardrelated work.
25.2 Each Member shall consent in advance that the Bank may collate, for a Merchant, the Member’s
membership information including name, address, phone number, and the card number presented by
the Merchant with the membership information held by the Bank to the extent necessary to perform thetransaction.
25.3 Each Member shall consent in advance that the following will be disclosed between Merchants oran insurance company that provides the Supplemental Services set forth in Article 15 and the Bank forthe purpose of specifying and confirming the details of Purchase Transactions or for solving problems
that arise incidentally from transactions: (i) the details of transactions and any information incidental
thereto; and (ii) the membership information and Card Information.
25.4 The Bank and any third party to which the Bank delegates information and administrative
processing work shall strictly manage the information of Members that they are provided with.
Article 26 Provision of Information within the Scope of Purpose and Consent
26.1 Each Member shall consent in advance to providing the Bank with personal information for thefollowing purposes (refer to a. below) and within the following scope (refer to b. below):a. Purpose(1) For accepting applications for financial instruments and services, such as opening of accounts
and transactions for various types of financial instruments.
(2) For confirming the identity of the Member pursuant to the Act on Prevention of Transfer of
Criminal Proceeds and to confirm the Member’s eligibility to use financial instruments andservices.
(3) For managing continuous transactions, such as due date management for deposit transactions,financing transactions, foreign exchange transactions, or trust transactions.
(4) For making judgments on and managing financing applications and continual use.
(5) For making judgments on the appropriateness of the provision of financial instruments andservices, including judgments made in light of suitability principles or other factors.
(6) For providing personal information to a third party to the extent necessary to appropriately
perform work, such as providing personal information to an affiliated personal credit information
agency or other third party in relation to credit business.
(7) For appropriately performing the delegated services when all or part of the work to process
personal information is delegated by another business operator or equivalent entity.
(8) For exercising rights and performing obligations pursuant to an agreement with the Member orunder relevant laws, regulations, etc.
(9) For the research and development of financial instruments and services by conducting market
surveys and data analysis or questionnaires.
(10) For introducing financial instruments and services, such as by sending direct mail.
(11) For introducing products and services of affiliated companies or equivalent entities.
(12) For terminating transactions and handling matters after the termination of a transaction.
(13) For sending information pertaining to opening an account, to products, to seminars, or the likebased on information received when a request for information on or application for opening an
account, products, seminars, or the like is made, and for the purpose of analyzing data frommarket surveys and the like.
(14) For contacting any person notified in advance regarding any urgent matters concerning the

TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
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Member.
(15) For operating and maintaining the safety of branches and ATMs.
(16) For confirming telephone transactions and inquiries with the Member.
(17) Any other purposes that enable transactions with the Member in an appropriate and smoothmanner.
b. Scope of information
Information on the details of transactions of Members held by the Bank(including the status of use of
the Card, in addition to the information set out in Article 25).
26.2 The Bank shall strictly manage the information of Members that it is provided with pursuant to
Article 26.1, and such information shall be used only by the Bank, except for cases where the Bank
provides the information to a third party in accordance with the Act on the Protection of Personal
Information, or in cases of joint use pursuant to the “Joint use by the SMBC Group (Our Handling of
Personal Information).”
CHAPTER V CANCELLATION OF MEMBERSHIP QUALIFICATION AND WITHDRAWAL OF
MEMBERSHIP
Article 27 Cancellation of Membership Qualification
27.1 In the event that any Member falls under any one of items (5) through (7) below, the Bank may
cancel the Member’s membership qualification without any form of notice or demand, and if theMember falls under any one of items (1) through (4), (8), or (9) below, or if the Bank otherwise
considers the Member ineligible, the Bank may cancel the Member’s membership qualification byissuing a notice or demand.
(1) If the Member submits false information pertaining to his or her identity or to making a judgmenton his or her credit status, such as a false name, address, or employer details.
(2) The Member breaches any provisions of these Terms and Conditions (including any breach of
Article 4).
(3) The Member fails to perform his or her obligations (such as those pertaining to AmountCharged on Card) to the Bank.
(4) The Bank determines that the status of use of the Card of the Member is inappropriate, or the
Bank detects suspicious card activity.
(5) The Member dies or the Bank is informed by his or her relative that the Member has died.
(6) The Member constitutes an organized crime group, an organized crime group member, aperson for whom a period of five years has not elapsed since the Member was an organizedcrime group member, a quasimember of an organized crime group, a corporation affiliated withan organized crime group, a shareholder meeting extortionist (sokaiya ) or the like, a corporate
extortionist acting under the guise of a social movement or political activity (shakai undo-tohyobo goro ), a group or individual that in the context of having a relationship with an organizedcrime group plays a key part in structural injustice using force or through a financial connection
with an organized crime group (tokushu chino boryoku shudan ), or any other person similar toany of these entities or individuals (an “Organized Crime Group Member, Etc.”), or a person
to whom either of item (i) or (ii) below applies.
(i) A person who has a relationship through which an Organized Crime Group Member, Etc.
is considered to be unjustly used for the purpose of pursuing illicit gains for the person or athird party, causing damage to a third party, or for any other similar purpose.
(ii) A person who has a relationship through which it is considered to provide funds or benefits
to an Organized Crime Group Member, Etc. or otherwise be involved with an Organized
Crime Group Member, Etc.

TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
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(7) The Member engages in any act falling under any of items (i) through (v) below by himself or
herself or through any third party:(i) violent demands;(ii) unjust demands that exceed the legal liability of the demand recipient;(iii) use of threatening words and behavior or use of violence in connection with a transaction;(iv) the act of spreading rumors, using fraudulent means, or using force to damage thereputation of the Bank or to obstruct the Bank’s business affairs; or(v) any other acts similar to those set forth in items (i) through (iv) above.
(8) The investigation set forth in Article 5.5 or Article 14.4 is not completed for the Member, or theMember provides a false response to such investigation.
(9) The Member cancels his or her Designated Account.
27.2 The Member shall promptly return the Card to the Bank if his or her membership qualification iscancelled or if the Bank considers it necessary to have the Card returned. If the membership
qualification is cancelled, the Member shall lose any rights in respect of the Bank under themembership qualification.
27.3 If the Bank cancels the membership qualification, the Bank may notify the Member that his or her
Card is invalid, register the Card as invalid, and request the Member to return the Card through any
Merchant. If any Merchant requests the Member to return the Card, the Member shall promptly return
the Card to the Bank through that Merchant.
27.4 If any Member uses the Card or if any third party uses the Card (including the use of Card Data)
after the cancellation of membership qualification, the Member shall be liable to pay in full any AmountCharged on Card arising out of such use.
Article 28 Withdrawal of Membership28.1 If any Member wishes to withdraw his or her membership, the Member shall submit a notice inthe manner prescribed by the Bank. In such case, the Physical Card shall be returned to the Bank or
the Member shall cut up and destroy the Physical Card, if considered necessary by the Bank. The Bank
may also request the Member to repay all debts under these Terms and Conditions.
28.2 Upon withdrawal by the Member of his or her membership, the Member shall pay any debts
under these Terms and Conditions in one lump sum if requested to do so by the Bank. If the Member or
any third party uses the Card (including the use of Card Data) after he or she withdraws his or her
membership, the Member shall be liable to pay in full the Amount Charged on Card arising out of any
such use.
28.3 In the event that any Member withdraws his or her membership, any Family Members shall
automatically withdraw their membership.
28.4 In the event that only any Family Member withdraws his or her membership, or the Principal
Member withdraws or cancels the designation as agent of any Family Member, the Principal Member
shall submit a notice in the form prescribed by the Bank together with the Physical Card of the Family
Member withdrawing his or her membership or whose designation as agent the Principal Member iswithdrawing or cancelling.
Article 29 Revision, Repeal, or Termination of Services
29.1 The Bank may, after notifying Members in the manner prescribed by the Bank, add, revise, repeal,or terminate services such as newly joining or aligning with organizations that offer settlement functionsin addition to the Merchants and overseas ATMs set forth in Article 16, and Members shallacknowledge the same in advance.
29.2 In the event that there is any change in financial situation, laws and ordinances, or other

TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
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circumstances, or if there are any other appropriate grounds, the Bank may suspend the use of theServices in whole or in part or terminate such services by announcing as such at the branches of the
Bank or in any other appropriate manner.
Article 30 Disclaimer
30.1 Unless due to grounds attributable to the Bank, the Bank will not pay any interest or damages inthe event of any refund by the Bank and will not be liable for any damage or the like incidental to any
delay in refund procedures.
30.2 If any Member closes his or her Designated Account and the Bank is unable to make a refund
into the Designated Account due to the closure of that account or for any other reason, the Member
shall notify the Bank in the manner prescribed by the Bank, and the Bank will make a refund into an
account that is opened with a bank in Japan and notified by the Member. In such case, if the refund
amount is returned to the Bank because the account that is opened with a bank in Japan and notified to
the Bank does not exist or for any other reason, or if the Member fails to notify the Bank of an accountthat is opened with a bank in Japan, the Bank shall not bear any liability whatsoever, except where
there are grounds attributable to the Bank.Any fund transfer fees shall be borne by the Member.
30.3 Members shall agree that, if the Bank is unable to make refunds into the Designated Accounts ofMembers, the Bank may refrain from making certain refunds in accordance with the standards
prescribed by the Bank, such as when the refund amount is immaterial.
30.4 In addition to Article 30.1, 30.2 and 30.3, even in the case where the Bank is liable for any
damage incurred by any Member in connection with the provision of services set forth in these Terms
and Conditions, except where there are grounds attributable to the Bank, the Bank shall be liable only
to the extent of damage ordinarily incurred based on the circumstances that should normally arise, andshall not be liable for any loss of profits, consequential damage, indirect damage, special damage, etc.
Article 31 Agreed Court of Jurisdiction
In the event that any dispute between any Member and the Bank arises, the summary court or the
district court having jurisdiction over the head office of the Bank or the location of the branch office shallhave jurisdiction.
Article 32 Governing Law, etc.
32.1 All agreements between Members and the Bank shall be governed by the laws of Japan.
32.2 In the event that there is any inconsistency between the Japanese and English versions of theseTerms and Conditions, the Japanese version shall prevail.
TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP shall become effective as of October
1, 2020.

SMBC Trust Bank Ltd.
PRO-BKG0021-1TB2010

TERMS AND CONDITIONS OF GLOBAL PASS MEMBERSHIP
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Agreements on Handling of Personal Information
These Agreements are incorporated into the TERMS AND CONDITIONS OF GLOBAL PASSMEMBERSHIP (the “Terms and Conditions”), and SMBC Trust Bank Ltd. (the “Bank”) obtains theagreements from the member or the prospective member (collectively, the “Members”)
Article 1 Collection, Possession and Use of Personal Information
1.1 The Members agree that the Bank collects, possesses and uses the personal information
stipulated in (1) to (7) below (collectively, the “Personal Information”), with protective measures
implemented by the Bank, for the purpose of managing transactions with the Bank including the Terms
and Conditions (including this application, the same shall apply hereinafter), and providing Additional
Services. The managing transactions include confirmation of the use of the cards, notification of theamount used to the Members (including reminders such as shortage of the balance of the designatedaccount), verification of the contact information of the Members or to use the Personal Information forcollecting a debt by obtaining a copy of the resident register or certificate of exclusion from the resident
register, a copy of the family register, an extract of the family register or a certificate of exclusion fromthe family register, or any other identification document issued by a local governmental office (including
a certificate of information included in a digitized forms of the above−mentioned documents) throughsubmission of the Personal Information of the Members (such as a copy of the application form, or astatement) to a local governmental office in accordance with the requirement stipulated by laws, andconfirming that the transactions are not suspicious transactions described by Act on Prevention ofTransfer of Criminal Proceeds, or confirming complying with other laws and regulations.
(1) The name, age, date of birth, address, phone number, email address, occupation, employer
details, the purpose of transaction, designated account number, card number and otherinformation that the Members filled in or submitted the application form or any other documents
submitted by the Members at application or after admission as a Member (collectively, “Nameand Other Information”); information registered by the Members in accordance with the Terms
and Conditions, current and past effectiveness of the phone number registered with the Bank
(whether the Members can be actually contacted by such phone number), and Name andOther Information that the Bank obtains from calls and other inquiries (collectively, “Attribute
Information”);(2) The date of the application, the date of the contract, the name of merchant, the name ofpurchased products, their values, and other use status of the card; and other information
related to the contract (“Contract Information”);(3) The information based on objective records of transactions made in accordance with the Terms
and Conditions, including the status of payment records of the Members;(4) The information that the Bank obtains from the Members via a visit to a branch, phone call or
any other communication methods, including the contents of video and voice communications;(5) The status of verification at the time of transaction in the designated account;(6) The information indicated in a copy of the resident registry and other documents issued bypublic organizations, which the Bank obtains lawfully in an appropriate manner; and(7) Information publicly disclosed in government gazettes, telephone directories and otherpublications.
1.2 The Members agree that the Bank uses the Personal Information in Article 1.1(1) through Article
1.1 (4) for the following purposes:(1) Providing information to the Members about new products/services of the debit card

Agreements on Handling of Personal Information
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businesses of the Bank and related services after the sales;(2) Market research and product developments by the debit card and the related businesses of theBank;(3) Sales solicitation activities related to the debit card and the related businesses of the Bank,
including sending advertising and sales promotion materials and printed materials, andsolicitation via phone, email and any other communication methods; and(4) Sales solicitation activities related to the debit card and the related businesses authorized by
the Bank, or sales solicitation activities related to any other business operators affiliated with
the Bank, including sending advertising and sales promotion materials and printed materials,
and solicitation via phone, email and any other communication methods.
* The details of the Bank businesses described above shall be communicated by the method
determined by the Bank such as by publishing on the website of the Bank.
Article 2 Provision of Personal Information to Contractors
The Members agree that the Bank may provide Personal Information stipulated in these Agreements tothird party contractors, upon taking measures to protect such Personal Information, to whom the Bank
entrusts some of its administrative operations, including but not limited to, delivery, printing,administrative work using computers, settlement and any other associated administrative operations(including subcontracting by such contractors according to a subcontract agreement).
Article 3 Request for Discontinuance of Use
After admission to the card service hereunder, the Members may request the Bank to discontinue theuse of his/her Personal Information even if the Bank has used the information within the agreed extent
as stipulated in Article 1.2 above, excluding sending announcements and other information documents
which are enclosed in the envelope for sending cards. The request shall be made to the contact
described in Article 8.1. The Bank shall not refuse the application or terminate the card service even if
Members refuse to consent to the provisions in Article 1.2.
Article 4 Disclosure, Correction and Deletion of Personal Information
4.1 The Members may request the Bank to disclose to the Members of his/her Personal Information inaccordance with the provisions under the Act on the Protection of Personal Information.
4.2 To request disclosure to the Bank, please find the contact information described in Article 8.2 toreceive instructions for procedures for requesting disclosure (where to send the request, how to makethe request, required documents, etc.) The procedures shall also be communicated by the method
determined by the Bank, which is published on the website of the Bank.
4.3 If it is found as a result of checking the disclosed information that any registered information is
inaccurate or incorrect, the Members may request correction or deletion of such information.
Article 5 Non−Formation of Contract for Service
Even in the case of non−formation of the contract for the service, the information that the Members
submitted shall be used for a given period for the purposes stipulated in Article 1.1, regardless of thereason of the non− formation of the contract, but not for any other purposes.
Article 6 Withdrawal or Cancellation
Even after any Member’s request for cancellation from membership hereunder in accordance with
Article 28 of the Terms and Conditions or cancellation of membership qualification in accordance with

Agreements on Handling of Personal Information
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Article 27 of the Terms and Conditions, his/her Personal Information shall be maintained and used by
the Bank during the period required by laws or designated by the Bank for the purposes stipulated in
Article 1.1 and within the extent necessary for responding to demands for disclosure of information.
Article 7 Refusal to Consent to the Terms and Conditions
If the Members refuse to provide necessary information on the application form or refuse to agree to allor part of the Terms and Conditions, the Bank may refuse the application or take action for exit of theMembers from the service.
Article 8 Contact for Personal Information
8.1 To request discontinuance of the use of the Personal Information stipulated in Article 3, pleasecontact below:
PRESTIA Phone Banking
0120-110-330 from Japan, 81-46-401-2100 from overseas
8.2 Inquiries about Personal Information of the Members and request for disclosure, correction ordeletion of any Personal Information, or any other, please contact below.
03-6854-6800, Weekday 9:00 ~ 17:00 (excluding Saturday, Sunday, Public holiday, Year end holidays)
Article 9 Position of these Agreements and Revision
9.1 These Agreements are incorporated as a part of the Terms and Conditions of GLOBAL PASS
Membership.
9.2 Each provision of these Agreements may be changed within the necessary extent by displaying
such changes at branches of the Bank, publishing them on the Bank’s website, or announcing them inany other reasonable manner, in the event that such changes are deemed appropriate in light of any
changes in financial situation, laws and ordinances, or other circumstances, or for any otherappropriate reason.
9.3 Any changes set forth in Article 9.2 will come into effect on the day when a reasonable period of
one month or more as prescribed in the announcement has passed.
Agreements on Handling of Personal Information shall become effective as of July 5, 2021.
SMBC Trust Bank Ltd.
PRO-BKG0021-2TB2107

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SPECIAL PROVISIONS FOR ANA MILEAGE CLUB GLOBAL PASS
Article 1 Definitions
ANA MILEAGE CLUB GLOBAL PASS CARD (the “Card”) is a card issued by SMBC Trust Bank Ltd.
(the “Bank”) in partnership with ALL NIPPON AIRWAYS CO., LTD. (“ANA”).
Article 2 Card Functions and Services
In principle, the Card has the following functions and services. An application for the Card also serves
as an application for transactions.
(1) ANA Mileage Club Card function(2) Cash card function for SMBC Trust Bank GLOBAL PASS
(3) Visa debit function, J-debit card function(4) iD function
Services and benefits regarding ANA Mileage Club are provided by ANA, and the entire ANA Mileage
Club Terms and Conditions (https://www.ana.co.jp/en/jp/amc/kiyaku/ the “AMC Terms”) provided
separately by ANA and these Special Provisions for ANA Mileage Club GLOBAL PASS (these“Special Provisions”) will apply to the use of such services and benefits. Members who wish toreceive provision of services from ANA, or from any companies or affiliates of the ANA group shall use
such services in the manner prescribed by ANA.
The SMBC Trust Bank GLOBAL PASS functions (including cash card function and debit function), thefunctions excluding the services and benefits regarding ANA Mileage Club provided by ANA, areservices provided by the Bank, and the Terms and Conditions of GLOBAL PASS Membership provided
separately by the Bank will apply to the use thereof, and ANA will not be responsible for any matter
regarding the service.
Article 3 Member“Member” shall be any individual who has made an application for the Card having consented to the
AMC Terms, these Special Provisions, and the Terms and Conditions of GLOBAL PASS Membership,
and who is approved by ANA and the Bank (the “Companies”). The Bank will lend to the Member aphysical card.3.7 If any Member forgets his or her ID, Etc., he or she will be able to use the Web
Services by registering his or her ID, Etc. once again on the Web Services.
Article 4 Protection, Use and Exchange of Member’s Personal Information
The Member agrees that the Companies may provide each other with, or exchange, information
regarding the Member to the extent necessary for operations related to the Card, such as responding toinquiries. The Companies will take sufficient care to protect the privacy of the Member in connection
with any information of that Member that the Companies came to know through such use andexchange.
Article 5 Consent to Provision of Personal Information to ANA and Use Thereof By ANA
1. Members consent to the Bank providing the following personal information to ANA, after the Bank
takes protective measures, for the purpose set out in Article 1.1 of the Consent to Handling of
Personal Information, and to ANA using such personal information.
(1) Any information registered with the Bank under the Terms and Conditions of GLOBAL PASS
Membership or any other agreement between Members and the Bank, or any information
written on documents submitted by Members to the Bank.

SPECIAL PROVISIONS FOR ANA MILEAGE CLUB GLOBAL PASS
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2.

3.

4.

(2) Status of Members’ accounts with the Bank or any information related thereto.
Members consent to the Bank providing the personal information set out in item (1) of thepreceding paragraph to ANA, after the Bank takes protective measures, for the purpose set out in
Article 1.2 of the Consent to Handling of Personal Information, and to ANA using such personal
information.
Members consent to the Bank providing the following personal information to ANA, after the Bank
takes protective measures, for the purpose of screening the application for the Card and to allow
the Members to receive various services and benefits, and to ANA using such personal
information.
(1) Any information registered with the Bank under the Terms and Conditions of GLOBAL PASS
Membership or any other terms and conditions or special provisions incidental thereto that
apply to Members, or any information written on documents submitted by Members to theBank.
(2) Joining date, type, information regarding type of supplemental cards held by Members
including family cards, number, and expiration date of the Card issued in response to
application and renewed Card.
(3) The fact that the Card membership number became invalid (excluding the reason therefor).
(4) The fact that a Member lost his or her membership qualification (excluding the reason
therefor).
(5) Details of the benefits provided through the Card by the Bank.
Members may request ANA to cease its use of the information even if ANA is using the information
to the extent consented under Paragraph 2. However, this does not apply to any delivery ofmaterials enclosed with the breakdown of the amount charged on Card or with the Card. If
Members wish to request ANA to cease its use of the information, Members shall use the contact
details set out in Article 8.1 of the Consent to Handling of Personal Information.

Article 6 Loss of Membership Qualification
In the event that either of grounds for loss of ANA membership qualification or grounds for terminationprescribed by the Bank, or both, apply or applies to a Member, the Member shall lose his or her
membership qualification under these Special Provisions. Transactions after the Member loses his or
her membership qualification will be handled as follows.
Transactions with the Bank in the case of losing AMC membership qualification as provided in the AMC
Terms
The Member may continue to use the functions under items (2), (3) and (4) of Article 2 to the extent
approved by the Bank.
Article 7 Application of terms
Any matter not stipulated in these Special Provisions will be handled in accordance with the AMC
Terms of ANA, and the Terms and Conditions of GLOBAL PASS Membership and any other varioustransactional-related terms prescribed by the Bank. These Special Provisions will prevail over any of
the aforementioned provisions.
SPECIAL PROVISIONS FOR ANA MILEAGE CLUB GLOBAL PASS shall become effective as of
October 1, 2019.
SMBC Trust Bank Ltd.
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Special Provisions for the Use of GLOBAL PASS Membership Web Services
Article 1 Purpose
1.1 These special provisions for use (these “Special Provisions”) provide for the use of the services tobe provided by SMBC Trust Bank Ltd. (the “Bank”) as the web services for Members (the “WebServices”) for the GLOBAL PASS (the “Card”) issued pursuant to the Terms and Conditions of GLOBALPASS Membership (the “Terms and Conditions”).
1.2 Unless otherwise defined, the terms used in these Special Provisions shall have the same
meanings as those defined in the Terms and Conditions.
Article 2 Application
Members (including the Principal Member and any Family Members) may use the services provided by
the Bank as the Web Services by applying for the procedures to set up the Web Services in the mannerprescribed by the Bank.
Article 3 ID and Password
3.1 Each Member shall register a user ID, a password, an email address, and other necessary
information to use the Web Services.
3.2 With regard to the user ID, password, or any other information that has been issued or authenticatedby the Bank and is recognized by its nature as being provided as confidential information by the Bankfor the use of the Web Services (“ID, Etc.”), the Member may not assign or sell an ID, Etc. to purchasean ID, Etc. from, create a security interest over an ID, Etc. for the benefit of, change the name of theholder of an ID, Etc. to that of, or otherwise allow the use of an ID, Etc. by anyone other than the Member.
3.3 Each Member shall, with the due care of a good manager, take sufficient care not to reveal his or
her ID, Etc. to another person, be completely responsible for the use and management of his or her ID,
Etc., and be completely responsible for all acts performed by the Member in connection with the use of
his or her ID, Etc..
3.4 In the event of any change to the registered information that was included in the application to theBank, such as the designated email address of any Member, or if the Member discovers that his or her
ID, Etc. is being used by a third party, or there is a possibility that his or her ID, Etc. is being used by athird party, the Member shall immediately notify the Bank thereof.
3.5 Any Member may change his or her user ID or password on the Web Services screen in the mannerprescribed by the Bank.
3.6 If any Member forgets his or her ID, Etc., he or she will be able to use the Web Services byregistering his or her ID, Etc. once again on the Web Services.
Article 4 Services to be Provided
4.1 By signing on with the user ID and password set on the Web Services (the “Direct Sign On”), each
Member may confirm his or her account activities of the Card, change his or her designated email
address, change the limit of the Card for domestic and overseas shopping and for use of overseas ATMs,suspend or cancel the Card, or use the Online Shopping Authorization Services (defined below).
4.2 The Member may use the services stipulated in Article 4.1 by signing on with the user ID andpassword stipulated in Article 4.1 through the screen on the Internet Banking that the Member signed
on under the PRESTIA ONLINE TRANSACTIONS TERMS AND CONDITIONS. In addition, the Member
may sign on the Web Services through the screen on the Internet Banking after signing on to the Internet
Banking from the second time as long as the user ID or password is not changed (the “Single Sign On”).

Special Provisions for the Use of GLOBAL PASS Membership Web Services
1 / 34.3 Once the Member completed the registration for the Direct Sign On based on Article 2, the Member
may use the services listed in Article 4.1 with both methods of the Direct Sign On and the Single Sign
On.
4.4 Since each of the services listed in Article 4.1 depends on the network settings or the like of the
Merchant that the Member used, the Bank does not guarantee that the services will be provided under
the conditions or details set by the Member on the Web Services.
4.5 The Bank may change the contents of the Web Services without notice. In the event that any
Member incurs any disadvantage as a result thereof, the Bank will not be liable to compensate orotherwise bear any obligation to the Member.
Article 5 Online Shopping Authorization Services“Online Shopping Authorization Services” are the following services that enable Members to use the“Visa Secure (former name: Verified by Visa)” service provided by the Visa.
(1) Member may use Visa Secure when carrying out any e-commerce transaction with any
Merchant that supports Visa Secure by registering the prescribed authorization information,
including a password, in accordance with Article 3.1 of these Special Provisions. Members
consent to the authorization information registered within the Web Services being used as theauthorization information for Visa Secure.
(2) Member may be authenticated in the e-commerce transaction prescribed in the preceding item
(1) with the authentication code, which is sent to the registered contact of Member set forth in
Article 3.1.
(3) The Online Shopping Authorization Services will automatically be unavailable to use in the caseof the suspension of use of the card pursuant to Article 14 of the Terms and Conditions,withdrawal from membership pursuant to Article 28 of the Terms and Conditions, or cancellationof membership qualification pursuant to Article 27 of the Terms and Conditions. Other than in
the aforesaid manners, no Member may suspend the Online Shopping Authorization Services
at his or her discretion.
(4) Notwithstanding these Special Provisions, Article 13.4 of the Terms and Conditions shall apply
to any damage incurred by any Member in connection with shopping using Visa Secure.
(5) The Bank may stop the Online Shopping Authorization Services at its discretion by notifying
Members in the prescribed manner, such as by announcement it on its website. The Bank will
not be liable for any disadvantage incurred by any Members as a result thereof.
Article 6 Preparation for Use
To use the Internet, each Member shall maintain and manage any necessary computer terminals,
communications equipment, communication lines, and other facilities at his or her own responsibility
and cost.
Article 7 Announcement and Change of these Special Provisions
7.1 The Bank may make changes to these Special Provisions without obtaining Members’ consent by
notifying them in a manner considered appropriate by the Bank.
7.2 Members shall be deemed to have accepted any such changes after a reasonable period of time
has passed or when they use the Web Services after the changes have been made.
Article 8 Disclaimer
8.1 Although the Bank has taken all possible measures to ensure the proper operation of the Web
Services system in the event that the Web Services are temporarily suspended or stopped, or if there

Special Provisions for the Use of GLOBAL PASS Membership Web Services
2 / 3are any errors in the content of information submitted by any Members, the Bank shall not be responsible
for such suspension, stoppage, or errors.
8.2 In the event that any Member belatedly receives or does not receive any of the information sentfrom the Bank in relation to the Web Services due to any fault with the Member’s internet service provider
or mail server, or due to insufficient mailbox capacity or the like, the Bank will not be responsible for any
damage caused thereby.
8.3 The Bank shall not be responsible for any unavailability of the Web Services due to system
maintenance or any force majeure event.
Article 9 Suspension of Web Services
Upon any Member’s withdrawal from membership in accordance with Article 28 of the Terms andConditions or cancellation of membership qualification in accordance with Article 27 of the Terms andConditions, the Web Services will no longer be available to the Member from the date of withdrawal orcancellation. However, confirmation of breakdowns of the Amount Charged on Card will no longer beavailable after a period of 180 days from the date of withdrawal or cancellation of the membership has
passed.
Article 10 Discrepancies
In the event that there is any inconsistency between the Japanese and English versions of these Special
Provisions, the Japanese version shall prevail.
Special Provisions for the Use of GLOBAL PASS Membership Web Services shall become effective
as of September 14, 2022.
SMBC Trust Bank Ltd.
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