such as those relating to the Taliban, and the compilation and provision of reference materials for training and examples of how to verify customer identity and undertake procedures concerning suspicious transaction reports. Furthermore, NCSCC prepares posters and leaflets to inform customers of CDD procedures and makes them available at its member credit cooperatives and distributes them to the members. NCSCC also gave notice to the members to explain the 2014 amendment of the Act on Prevention of Transfer of Criminal Proceeds. In addition, NCSCC holds briefing sessions to explain the importance of assessment of ML/TF risks, and provides members with the documentation prepared by the specified business operators as set forth in Article 32, paragraph 1, item 1 of the Ordinance for Enforcement of the Act on Prevention of Transfer of Criminal Proceeds "for credit cooperatives," in order to encourage the members to take appropriate preventive measures against ML/TF.

Besides, regarding the coping with anti-social forces, NCSCC communicated to its members reference examples of exclusionary clauses in various agreements concerning loans and deposit transactions, and examples of articles of incorporation to which a provision for excluding anti-social forces from among members was added. It also holds seminars on how to deal with anti-social forces with the aim of having member credit cooperatives learn about the development of appropriate systems.

Additionally, since 2014, NCSCC has been given access to the Japanese Bankers Association’s database concerning anti-social forces and has communicated information to members to help develop their readiness to exclude anti-social forces from among members, thereby striving to take thorough steps against ML/TF and share information within the credit cooperative industry.

### 5. Agricultural Cooperatives and Fishery Cooperatives

Regarding the prevention of ML/TF, agricultural cooperatives and fishery cooperatives have developed administrative procedures related to the implementation of verification at the time of transactions, suspicious transaction reporting, etc. based on the Act on Prevention of Transfer of Criminal Proceeds and are holding briefing sessions and training sessions for staff members. In addition, they make and issue posters intended to raise members' and users' awareness about the procedures for verification at the time of transactions.

Moreover, regarding measures to eliminate transactions with anti-social forces, the cooperatives have established internal regulations, including basic policies, based on the government's guidelines and have introduced a clause for Boryokudan exclusion in contract documents. They are also implementing examination as to whether or not customers are anti-social forces based on the database when starting transactions.

### 6. Life Insurance Industry

The Life Insurance Association of Japan (LIAJ), of which all domestic life insurance companies in Japan are members, works to achieve appropriate operations by its members by incorporating policies for handling AML/CFT and anti-social forces in its Code of Conduct. LIAJ has compiled the “Countermeasures Against Money Laundering and Terrorist Financing