Current wordings in“PRESTIA MULTIMONEY ACCOUNTCUSTOMER AGREEMENT”

New wordings in“PRESTIA MULTIMONEY ACCOUNTCUSTOMER AGREEMENT”

Article 2.
DepositsandWithdrawals, Etc.

2.

(4) SMBC Trust Bank shall accept a request
for withdrawal made by PRESTIA Online
or PRESTIA Mobile only when the User ID
and Password for PRESTIA Online andPRESTIA Mobile inputted through thecommunications equipment correspondwith the registered User ID and Password.
In such cases, SMBC Trust Bank may omit
requesting the Depositor to submit toSMBC Trust Bank a withdrawal request
form or a check, etc.

2.

(4) SMBC Trust Bank shall accept a request
for withdrawal made by PRESTIA Online
or PRESTIA Mobile only when the User IDand Password for PRESTIA Online andPRESTIA Mobile inputted through thecommunications equipment correspondwith the registered User ID and Password(including the case where any conditions
designated by SMBC Trust Bank are met).
In such cases, SMBC Trust Bank may omit
requesting the Depositor to submit toSMBC Trust Bank a withdrawal request
form or a check, etc.

Article 13.
Termination, etc.

1.

(ii) In case the Depositor has been found out tofall under any of the categories of Boryokudan(organizedcrime:
Organizations
thatencourage its members to engage collectively
or habitually in violent, unlawful, etc., acts),
Boryokudan-in (members of organized crime:
Members of Boryokudan), Boryokudan jun
kouseiin (quasimembers of Boryokudan:
Parties who maintain relationships with,cooperate with, or engage in the maintenanceor operation of Boryokudan by providing funds,
weapons, etc., to Boryokudan or members ofBoryokudan, but who are not themselves
members),
Boryokudan
kankeikigyou(organizedcrime-relatedcompanies:
Companies run by members of Boryokudan,
quasimembers, or former members ofBoryokudan, that maintain relationship with,cooperate with, or engage in the maintenanceor operation of Boryokudan by providing funds
to Boryokudan or by other means, or thosecompanies that actively use Boryokudan indoing business, etc., and cooperate in themaintenance or operation of Boryokudan),Sokaiya etc. (corporate racketeers: Sokaiya,
Kaisha goro (corporate racketeers) and others
who may potentially engage in violent, unlawful,etc., acts in an effort to seek illicit benefits fromcivil society and may threaten the safety of civillife), Shakai undo etc. hyobo goro (those forces

1.

(ii) In case the Depositor has been found out tofall under any of the categories of, fall under anyof an organized crime group; a member of anorganized crime group; a former member of anorganized crime group who has withdrawn fromthat group but less than 5 years have passedsince; a quasi-member of an organized crimegroup; a related company or association of anorganized crime group; a corporate racketeer;a rogue person proclaiming himself/herself as asocial activist; an organized special intellectual
crime group; and any other person or entity
equivalent to any of the foregoing (“Anti-SocialForces”) or fall under any of the following
categories:
A. an entity having such relationship with AntiSocial Forces that indicates the control of AntiSocial Forces over the entity’s management;
B. an entity having such relationship with AntiSocial Forces that indicates the substantial
involvement of Anti-Social Forces in the entity’smanagement;
C. an entity having such relationship with AntiSocial Forces that indicates reliance on AntiSocial Forces for the purpose of unfairly
benefiting itself or third parties, or of damaging
third parties;
D. an entity having such relationship with AntiSocial Forces that indicates provision of funds,
benefits or services from the entity to Anti-

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claiming to be social movements: Groups orindividuals who disguise themselves as/claim
to be social movements or political activities
and may potentially engage in violent, unlawful,etc., acts to seek illicit benefits from civil society
and may threaten the safety of civil life),
Tokushu chino boryoku shudan etc. (special
intellectual violent organizations: Groups orindividuals, except those listed above, who use
Boryokudan or their relationships with
Boryokudan to engage in violent, unlawful, etc.,
acts in an effort to seek illicit benefits from civilsociety and may threaten the safety of civil life),or their equivalents (hereinafter collectively"Boryokudan-in etc."), or fall under any of thefollowing categories:
A. To have a relationship in which it is deemedthat Boryokudan-in etc. holds control over themanagement;
B. To have a relationship in which it is deemedthat Boryokudan-in etc. is effectively involved inthe management;
C. To have a relationship in which it is deemedthat the Depositor uses Boryokudan-in etc.
unjustifiably, such as for the purpose ofensuring unjustified benefits to himself/herself,
his/her company or a thirdparty, or for thepurpose of inflicting harm to a third-party;
D. To have a relationship in which it is deemedthat the Depositor is engaged in providing funds
etc. or benefits to Boryokudan-in etc.;
E. To have a relationship in which an executive
officer or a person effectively participating in themanagement is connected with Boryokudan-in
etc. in a socially reprehensible way.
(iii) In case the Depositor is engaged in any of
the following acts directly or by utilizing a thirdparty:
A. Violent demand;
B. Unjustified demand beyond the legal liability;
C. Intimidating act or use of violence intransactions;D. Act of damaging the Bank's credit orobstructing the Bank's business by spreading
false information, using fraudulent means or
exercising force;

2 / 3Social Forces; and;E. an entity where any of the directors andofficers or other personnel substantiallyinvolved in its management is engaged insocially condemnable relationship with AntiSocial Forces.
(iii) In case the Depositor is engaged in any of
the following acts directly or by utilizing a thirdparty:
A. violent demands;
B. undue demands beyond its legal entitlement;
C. the use of threatening statement or violencein connection with the transactions;D. acts damaging credibility of the other partyor obstructing the other party’s businessthrough the spread of false information or theuse of fraudulent practices; andE. any other act similar to any of the foregoingE. Other acts equivalent to A through D above.
Current wordings in“TERMS AND CONDITIONS FOR PRESTIAMULTIMONEY ACCOUNT DEPOSIT”

New wordings in“TERMS AND CONDITIONS FOR PRESTIAMULTIMONEY ACCOUNT DEPOSIT”

I. Foreign
Currency
Savings
Deposit2.

Interest on the Deposit
Interest on the Deposit shall be calculated inrelation to the final balance on each day (theamount of any securities, etc. deposited shallbe excluded from said balance until they aresettled) by SMBC Trust Bank in single units ofthe deposit currency or to two decimal places
thereof at the rate indicated over the counter,and this month interest shall be incorporated
into the principal of the deposit at the firstbusiness day of next month. The interest rate
may change due to changes in financial
circumstances, etc.

2.

Interest on the Deposit
Interest on the Deposit shall be calculated inrelation to the final balance on each day (theamount of any securities, etc. deposited shallbe excluded from said balance until they aresettled) by SMBC Trust Bank in single units ofthe deposit currency or to two decimal places
thereof at the rate prescribed by SMBC Trust
Bank, and this month interest shall beincorporated into the principal of the deposit at
the first business day of next month. Theinterest rate may change due to changes infinancial circumstances, etc.

II. Foreign
Currency
TimeDeposit

3.

(1) SMBC Trust Bank shall calculate intereston the Deposit at the rate indicated overthe counter for the deposit term and as ofthe date of deposit (in the case of renewal,the latest renewal date).

3.

(1) SMBC Trust Bank shall calculate intereston the Deposit at the rate prescribed by
SMBC Trust Bank for the deposit term andas of the date of deposit (in the case ofrenewal, the latest renewal date).

V.
PRESTIAMultiMoney Yen
Savings
DepositInterest on Deposits
SMBC Trust Bank calculates the depositinterest according to the interest rate specified
by SMBC Trust Bank with the minimum
denomination on which interest is calculated
being one Yen (JPY1) only when the daily final
balance (the amount of any securities, etc.
deposited shall be excluded from said balance
until they are settled) is 1000 Yen (JPY1000) ormore. For payment, interest up to the third
Sunday of February and August is incorporated
into the principal of the deposit at the next
business day of calculation. The interest rate
may change due to changes in financial
circumstances, etc.

Interest on Deposits
SMBC Trust Bank calculates the depositinterest according to the interest rateprescribed by SMBC Trust Bank with theminimum denomination on which interest iscalculated being one Yen (JPY1) only when thedaily final balance (the amount of anysecurities, etc. deposited shall be excluded
from said balance until they are settled) is 1000
Yen (JPY1000) or more. For payment, interest
up to the third Sunday of February and Augustis incorporated into the principal of the depositat the next business day of calculation. Theinterest rate may change due to changes infinancial circumstances, etc.

All the terms and conditions set out in PRESTIA
MultiMoney Account Customer Agreement andTerms and Conditions for PRESTIA MultiMoneyAccount Deposit shall become effective as ofApril 1, 2022.

All the terms and conditions set out in PRESTIA
MultiMoney Account Customer Agreement andTerms and Conditions for PRESTIA MultiMoneyAccount Deposit shall become effective as ofOctober 23, 2023.
株式会社 SMBC 信託銀行 PRO-LBY0112TB2309

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