YEN CHECKING ACCOUNT CUSTOMER AGREEMENT
Any Checking Account Transaction (a "Checking Transaction") shall be subject to the General
Agreement and this YEN Checking Account Customer Agreement (the "Account Agreement"). If
there is any discrepancy between the General Agreement and the Account Agreement, the lattershall prevail.
Any term defined in Transactional Agreements may mean the same in this terms and conditions(agreement) unless otherwise specified.
Article 1. Conditions for Commencement of Transaction
The Depositor may make deposits in Yen only. The minimum deposit required for the
opening of a Yen Checking Account shall be not less than JPY100,000.
Article 1-2. Refusal of Transactions with Anti-social Forces
This Account may be used only when the Depositor does not fall into any of Item 1, Item 2
or Item 3 of Article 10, Paragraph 1. If the Depositor falls into any of such Items, SMBC
Trust Bank shall not open an account for the Depositor and may restrict or suspend
Account Transactions with the Depositor,
Article 2. Deposits and Withdrawals, Etc.
1. The Depositor may make deposits by means of fund transfers between Accounts held at
any Branch. However, SMBC Trust Bank shall accept deposits made in cash, travellers
checks, checks, etc. only at Branches that handle each such business. Deposits made byuse of cash cards through an ATM of an associated financial institution that conducts thebusiness of deposits shall be subject to the "Terms & Conditions for SMBC Trust Bank
Banking Card" which SMBC Trust Bank shall prescribe.
2. Withdrawals are made at the SMBC Trust Bank branch handling the withdrawals, or in thecase of an individual holding a cash card, by withdrawal from an ATM affiliated with the
SMBC Trust Bank, or by transfer to another account by telephone, PRESTIA Online,
PRESTIA Mobile, or by any other means, and shall in any event be subject to the following
provisions.
(1) In the case of a request for withdrawal at a Branch counter, SMBC Trust Bank shallaccept said request only when such seal or signature as is placed on the check orwithdrawal request form corresponds with such seal or signature as is registered withSMBC Trust Bank, or that the personal identification number inputted into PIN PAD of
SMBC Trust Bank corresponds with the personal identification number registered with

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SMBC Trust Bank (the "PIN").
(2) In the case of a request for withdrawal made through an ATM, SMBC Trust Bank shallaccept said request only in the event that the personal identification number used for
operation of the ATM corresponds with the PIN. Withdrawals made by use of a cash
card shall be subject to the "Terms & Conditions for SMBC Trust Bank Banking Card"
which SMBC Trust Bank shall prescribe.
(3) In the case of a request for withdrawal made by telephone, SMBC Trust Bank shallaccept said request only when the personal identification number inputted by telephonecorresponds with the personal identification number registered with SMBC Trust Bank
(the "T-PIN"), or when SMBC Trust Bank completes verification of personal identity insuch a manners as SMBC Trust Bank shall prescribe. In such case, SMBC Trust Bank
may omit requesting the presentation of a check.
(4) SMBC Trust Bank may accept a request for withdrawal through PRESTIA Online or
PRESTIA Mobile only when inputted User ID and Password correspond with the User
ID and Password registered with SMBC Trust Bank for PRESTIA Online and PRESTIA
Mobile, respectively (including the case where any conditions designated by SMBC
Trust Bank are met). In such a case, SMBC Trust Bank may omit requesting the
Depositor to submit to SMBC Trust Bank a withdrawal request form or a check, etc.
3. No promissory note shall be issued in respect of a Yen Checking Account.
4. If any fund transfer is made to a Yen Checking Account through a Branch or anotherfinancial institution, SMBC Trust Bank shall not make any amount from such funds available
for withdrawal until SMBC Trust Bank completes the procedure of the crediting of said fundto said Account.
5. When receiving or paying a check, SMBC Trust Bank shall deem correct and rely on theamount stated in the designated amount column regardless of whether any other amount isstated elsewhere on the check form.
6. SMBC Trust Bank shall pay from the Yen Checking Account if a check is presented for
payment.

(1) SMBC Trust Bank may confirm whether the check has been actually drawn (including
requesting the issuance of a document for the confirmation results) if a check ispresented for payment.
(2) If a check is presented to SMBC Trust Bank for payment through a Clearing House, thebalance of the Yen Checking Account at 3:00 p.m. on that day shall be deemed thefunds available for payment.
7. The Depositor is required to use the form provided by SMBC Trust Bank when drawing acheck on SMBC Trust Bank.

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(1) If any of the checks paid from this checking account are not actually drawn by the
Depositor or it is suspected that they have been tampered with, the Depositor isrequired to contact SMBC Trust Bank immediately.
(2) SMBC Trust Bank shall provide the Depositor with a reasonable quantity of checkforms at actual cost upon request.
(3) Checks paid from this checking account may not be returned after three months fromthe date of payment.
(4) If the period specified in the preceding item has passed and the Depositor requests
paid checks to be returned, SMBC Trust Bank shall issue a copy of the checks inaccordance with the prescribed procedures.

However, this does not apply if the copy

storage period specified by SMBC Trust Bank has expired.
8. SMBC Trust Bank is not responsible for any damage caused from forgery, alteration, or
diversion, so long as SMBC Trust Bank has deemed with due care that the presented check(including its image data sent to SMBC Trust Bank by electromagnetic record) has been
made on the proper form mentioned in the preceding Paragraph. In addition, the same shallapply to damages caused by violation of this provision and the separately stipulated checkusage.

Article 3. Interest on Deposit
No interest shall accrue on deposits held in a Yen Checking Account.
Article 4. Overdrawn Account
1. Notwithstanding Article 6 of the General Agreement, in the event that SMBC Trust Bank at
its discretion permits withdrawal exceeding the maximum permitted amount of withdrawal,
the Depositor shall forthwith repay said excess (the "Excess") amount upon SMBC Trust
Bank's demand.
2. The penalty interest rate applicable to the Excess shall be fourteen percent (14%) per
annum, and the interest shall be calculated in such a manner as SMBC Trust Bank shallprescribe.
3. Any amount deposited or transferred to a Yen Checking Account, after SMBC Trust Bank
permits a withdrawal as described in Paragraph 1 of this Article 4, shall be applied to cover
the Excess.
4. In the event that either the Excess or the penalty interest provided for in Paragraph 2 of this
Article 4 is not paid, SMBC Trust Bank may set off the same against any deposit or otherobligation of SMBC Trust Bank owed to the Depositor regardless of the maturity date of said

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deposit or obligation.
5. In the event that there is any Excess, SMBC Trust Bank shall treat any Instruments, etc.
deposited or transferred into a Yen Checking Account as the security for the Excess.
Article 5. Checks with Certain Omissions
1. SMBC Trust Bank may, from time to time, without notifying the Depositor pay checks
presented to SMBC Trust Bank that omit the date of drawing.
2. SMBC Trust Bank shall not be held liable except in the case of negligence on SMBC Trust
Bank for any loss or damage, or costs and expenses, incurred by the Depositor inconnection with SMBC Trust Bank's actions as set out in the preceding Paragraph 1.

Article 6. Treatment of Crossed Checks
In the event that a crossed check is presented, SMBC Trust Bank may pay the check to thebearer if the signature or seal on its reverse side corresponds with the seal or signatureregistered with SMBC Trust Bank. SMBC Trust Bank shall not be liable except in the caseof negligence on SMBC Trust Bank for any loss arising from said payment underParagraph 5 of Article 38 of the Law on Checks. In the event that SMBC Trust Bank pays
damages to a third party in relation to said payment, SMBC Trust Bank may request the
Depositor to reimburse the damages.

Article 7. Stop Payment Orders
1. The Depositor may request SMBC Trust Bank to stop payment on a check by submitting to
SMBC Trust Bank such a form of document as SMBC Trust Bank shall prescribe.
2. SMBC Trust Bank shall not be held liable in any respect for any check drawn on the
Depositor that is presented to SMBC Trust Bank after it receives a stop payment instruction
from the Depositor.
Article 8. Presented Checks after Termination
SMBC Trust Bank shall not be held liable in any respect for any check drawn on the
Depositor that is presented to SMBC Trust Bank after termination of a Yen Checking
Account.
Article 9. Registration with Personal Credit Information Center（Deletion）

Article 10. Termination, etc.
1. When any of the items below applies and when it is inappropriate to continue with

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Transactions with the Depositor, SMBC Trust Bank shall suspend the Yen Checking AccountTransactions or, upon giving a notice to the Depositor, terminate the Account. In cases
where SMBC Trust Bank terminates the Account by notice, if SMBC Trust Bank sends a
notice of termination to the name and address that the Depositor has reported to SMBC
Trust Bank, such notice shall be deemed to arrive at the Depositor at the time when delivery
would normally occur, and the Account will be terminated at the time, regardless of whether
notice is delayed or is not delivered due to the fault of the Depositor.
(i)

When it has become clear that the Depositor made false statements with regard torepresentations and warranties at the time of application for account opening.

(ii)

In case the Depositor has been found out to fall under any of the categories of, fallunder any of an organized crime group; a member of an organized crime group; aformer member of an organized crime group who has withdrawn from that group but
less than 5 years have passed since; a quasi-member of an organized crime group; arelated company or association of an organized crime group; a corporate racketeer; arogue person proclaiming himself/herself as a social activist; an organized special
intellectual crime group; and any other person or entity equivalent to any of theforegoing (“Anti-Social Forces”) or fall under any of the following categories:
A.

an entity having such relationship with Anti-Social Forces that indicates the controlof Anti-Social Forces over the entity’s management;B.

an entity having such relationship with Anti-Social Forces that indicates thesubstantial involvement of Anti-Social Forces in the entity’s management;C.

an entity having such relationship with Anti-Social Forces that indicates relianceon Anti-Social Forces for the purpose of unfairly benefiting itself or third parties, orof damaging third parties;

D.

an entity having such relationship with Anti-Social Forces that indicates provisionof funds, benefits or services from the entity to Anti-Social Forces; and;E.

an entity where any of the directors and officers or other personnel substantiallyinvolved in its management is engaged in socially condemnable relationship with
Anti-Social Forces.

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

violent demands;

B.

undue demands beyond its legal entitlement;C.

the use of threatening statement or violence in connection with the transactions;D.

acts damaging credibility of the other party or obstructing the other party’s
business through the spread of false information or the use of fraudulent practices;

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and;
E.

any other act similar to any of the foregoing.

2. In addition to the preceding paragraph, SMBC Trust Bank may, at its own discretion,
terminate any Account when it determines that the Account should be terminated with arational reason.
3. In the event that any balance remains after an Account shall be terminated pursuant to anyof the two preceding paragraphs, SMBC Trust Bank shall be released from any and all
responsibilities in respect of such Account by delivering by mail to the Depositor of a checkthat is payable to the order of the Depositor in the amount of such balance. SMBC Trust
Bank may assign to a third party the principal of and interest on any overdrafts or otherdebts owned to SMBC Trust Bank.
4. In the event that SMBC Trust Bank terminates Account Transactions pursuant to this Article,
Depositor shall be liable for any loss or damage, or costs and expenses, and SMBC Trust
Bank shall not be liable except in the case of negligence on SMBC Trust Bank for any loss
or damage, or costs and expenses incurred by the Depositor, in connection with thetermination.
Article 11. Last Change Date, Etc. Pertaining to the ACT on Utilization of Dormant Deposits
1.

For this deposit, the last change date, etc. in the ACT on Utilization of Dormant Deposits
shall be the latest date out of the following:(1) Date of last change listed in SMBC Trust Bank's website (change reason pertaining to
the dormant deposit)(2) Date specified in the following paragraph as the date on which the claims pertaining to
the deposit are expected to be exercised, for items stipulated in the following
paragraph as reasons the claims pertaining to deposits in the future are expected to
be exercised(3) Date on which SMBC Trust Bank issued a notification to the depositor, etc. regarding
matters stipulated in Article 3 Paragraph 2 of the ACT on Utilization of Dormant
Deposits. However, this is limited to cases where the notification reached the depositor
or cases where one month passed from the issue date of the notification (excluding
cases where the notification was returned not by the depositor's intention by the dateafter one month passed, or the date on which SMBC Trust Bank informed the Deposit
Insurance Corporation in advance, whichever is later).
(4) Date on which this deposit has resulted in any of the cases set forth in the items in
Article 2 Paragraph 2 of the ACT on Utilization of Dormant Deposits

2.

The reasons the claims pertaining to deposits in the future are expected to be exercised in

6 / 9Paragraph 1 Item 2 shall refer only to the reasons listed in the following items, and the dateon which the claims pertaining to the deposit are expected to be exercised shall be the dateset forth in the following items, in accordance with the reasons specified in the respective
items.
(1) Last date of Deposit Period, Calculation Period or Redemption Period(2) Payment was suspended for this deposit due to orders or measures based on laws,
regulations or contracts: Date on which the payment suspension was canceled(3) This deposit was subject to compulsory execution, provisional seizure, or disposition
for delinquent payment of national taxes (including disposition by the example): Dateon which the procedure was completed(4) Acceptance of transfer based on laws or contracts, account transfers or other deposits
or withdrawals are being scheduled or have been scheduled (however, limited toscheduled deposits/withdrawals of which SMBC Trust Bank is aware): Date on which
the deposit/withdrawal was made or date on which it was established that thedeposit/withdrawal would not be madeArticle 12. Handling of substitute money for the dormant deposits
1.

If there is no long-term transaction for this deposit, the claim pertaining to it shall be
extinguished based on the Act on Utilization of Dormant Deposits, and Depositors shallhave claims for substitute money for dormant deposits against the Deposit Insurance
Corporation of Japan.

2.

In the case referred to in the preceding paragraph, the Depositor can request payment of
substitute money for the dormant deposits associated with this deposit via the SMBC Trust
Bank. In this case, when the SMBC Trust Bank accepts, the Depositor can receive
payment of substitute money for a dormant deposit by acquiring the deposit claim held
against the SMBC Trust Bank.

3.

In the case of Paragraph 1, Depositors shall entrust SMBC Trust Bank beforehand withrequests and payment pursuant to Article 7, Paragraph 2 of the Act on Utilization of
Dormant Deposits when the following events occur:(1) With respect to this deposit, deposits from third-parties or deposits from the SMBC
Trust Bank by means of transfer, direct debit or other methods based on obligations
stipulated in laws and ordinances or contracts (excluding those pertaining to payment
of interest).
(2) With respect to this deposit, a notice of a bill or check or a request for payment of aclaim by a third-party has occurred (provided the SMBC Trust Bank is able tounderstand the request for payment).

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(3) Compulsory execution of a claim with the objective of payment of substitute money fordormant deposits associated with this deposit, provisional seizure, or procedure forcollection of national tax delinquency (including the procedure according to thisexample)(4) Partial payment of substitute money for dormant deposits related to this deposit
4.

SMBC Trust Bank requests payment of substitute money for dormant deposits according toParagraph 3 on behalf of Depositors provided the following are satisfied.
(1) The SMBC Trust Bank has been entrusted with payment operations by the Deposit
Insurance Corporation for Japan for substitute money for dormant deposits associatedwith this deposit(2) In the event that the reasons listed in Paragraph 3.2 occur in relation to this deposit,
request the Deposit Insurance Corporation for Japan to pay substitute money fordormant deposits as a response to the request for payment(3) In the case of handling in accordance with the preceding paragraph, payment shall bemade according to the method of acquiring the deposit claim that the Depositor held
against the SMBC Trust Bank.

13. Clearing House Rules

1.

In addition to the terms of the General Agreement and the Account Agreement, Checking
Transactions are also subject to the rules and regulations of the applicable Clearing House.

2.

When the applicable Clearing House implements emergency measures due to unavoidable
circumstances such as natural disasters or other local/ national emergencies, then SMBC
Trust Bank may take appropriate actions in accordance with these measures.

3.

SMBC Trust Bank is not responsible for any damage that may result from the actions takenin accordance with the preceding Paragraph.

14. Discrepancy
In the event that there is any discrepancy in the meaning between the English version andJapanese version of Yen Checking Account Customer Agreement etc., the Japanese version
shall prevail.

[CHECK USAGE]

1.

Please use the check form provided by your branch of SMBC Trust Bank (“Your Branch”)
only for your own Yen Checking Account with Your Branch, and do not use it for otherchecking accounts or give it to others.

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2.

Please check the balance of your Yen Checking Account before drawing a check. Also,
please note that you will be required to pay if a post-dated check is presented.

3.

When drawing a check, please clearly write down the amount, date of issue, etc., and use
the seal or signature registered with SMBC Trust Bank when filling out seal/signaturecolumn. Also, please use an unerasable writing utensil to prevent falsification.

4.

(1) Please write the amount in the designated amount column.
(2) When writing the amount in Arabic numerals (Arabic numerals, 1, 2, 3, etc.), please use
a check-writer and put "¥" at the beginning and an ending mark such as "※" or "★" at theend. Also, print "," every three digits. And please do not write the amount in words
elsewhere on the check form in this case.
(3) When writing the amount in words, please do not use cursive letters and write clearlyin block letters.

Also include the word "Only" following the written amount.

(4) Please do not write anything other than the items listed in paragraphs (2) and (3) in thedesignated amount column.

In particular, please make sure that the name, seal,

signature and duplication of the amount are not overlapped with the amount stated in thedesignated amount column.

5.

If you have made an error in the amount, please void the check. If you correct items otherthan the amount, please write your seal or signature registered with SMBC Trust Bank
beside the correction.

Also, please make sure that the description of the correction andthe seal do not overlap the amount and bank name column.

6.

Please do not use the bottom margin (clear band) of the check form.

7.

Please keep your check forms in a safe place.

If they are lost or stolen, please report it

immediately using the prescribed form by SMBC Trust Bank.

8.

When requesting check forms, please submit the prescribed request form after writing yourseal or signature registered with SMBC Trust Bank.

9.

If your signature is registered with SMBC Trust Bank, please sign instead of your seal.

All the terms and conditions set out in Yen Checking Account Customer Agreement shallbecome effective as of October 23, 2023.

SMBC Trust Bank Ltd.
規約 03（英）2310

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