(TRANSLATION)
(FOR REFERENCE ONLY)
(JAPANESE VERSION PREVAILS)

TERMS AND CONDITIONS FOR CASH CARD

The customer shall use the services after confirming that these Terms and Conditions constitute the agreement on the transaction using the Cash Card and the Smartphone ATM service (hereinafter referred to as the "Smartphone ATM") which is a service within the smartphone terminal application provided by Sony Bank (hereinafter referred to as the "Company").

• Article 1 - Use of Card
  

  The customer may use a cash card issued by the Company in relation to a savings account ("Card") when:

  • 1.the customer deposits cash into his/her savings account held with the Company by using an automatic teller machine ("ATM") of any financial institutions which are affiliated with the Company in relation to cash deposit services involving the use of online ATMs;
  • 2.the customer withdraws cash from his/her savings account held with the Company by using a cash dispenser (including ATMs, "CD") of any financial institutions (together with financial institutions described in paragraphs 1. collectively "Partner Institution(s)") which are affiliated with the Company in relation to cash dispense services involving the use of online cash dispensers;
  • 3.the customer makes other transactions prescribed by the Company by using an ATM or CD of a Partner Institution.
• Article 2 – Use of Smartphone ATM
  

  The customer may use Smartphone ATM in relation to a savings account when:

  • 1.the customer deposits cash into his/her savings account held with the Company by using an
    ATM of any financial institutions which are affiliated with the Company in relation to cash deposit services involving the use of online ATMs;
  • 2.the customer withdraws cash from his/her savings account held with the Company by using a CD of any Partner Institution(s) which are affiliated with the Company in relation to cash dispense services involving the use of online cash dispensers;
  • 3.the customer makes other transactions prescribed by the Company by using an ATM or CD of a Partner Institution.
• Article 3 - Cash Deposit at ATM
  
  • 1.When depositing cash by using an ATM of a Partner Institution, the customer must insert the Card into the ATM, then insert cash and operate the ATM. When depositing cash by using a Smartphone ATM, customer must perform the on-screen operations displayed on the ATM and the Sony Bank app, then insert cash into the ATM.
  • 2.Depositing cash by using an ATM shall be made in the types of currency notes and coins prescribed by Partner Institutions for each model of ATM. The number of currency bills and coins that can be deposited at an ATM per transaction shall not exceed those prescribed by the relevant Partner Institution.
• Article 4 - Cash Withdrawal at CD
  
  • 1.When withdrawing cash by using a CD of a Partner Institution, the customer must insert the Card into the CD and correctly enter the registered PIN and the amount in accordance with the steps displayed on the CD screen. When withdrawing cash by using a Smartphone ATM, customer must perform the on-screen operations displayed on the CD and the Sony Bank app, then correctly enter the registered PIN and the amount.
  • 2.A withdrawal at a CD shall be made in units of the cash amount prescribed by the Partner Institutions for each model of CD. The amount to be withdrawn at a CD per transaction shall not exceed the amount prescribed by the relevant Partner Institution. The maximum limit of the total amount that the customer may withdraw at a CD on any single day shall not exceed the amount prescribed by the Company.
  • 3.When the customer intends to withdraw cash by using a CD of a Partner Institution and the sum of the amount to be withdrawn and the ATM Fee defined in Article 4 exceeds the amount that can be withdrawn, such withdrawal shall not be allowed.
• Article 5 - ATM Fee
  
  • 1.When withdrawing cash by using a CD of a Partner Institution, the customer must pay the fee prescribed by the Partner Institution ("ATM Fee").
  • 2.The ATM Fee defined in paragraph 1 shall be automatically debited from the relevant deposit account at the time when the cash is withdrawn. The ATM Fee payable to the Partner Institutions shall be paid by the Company on behalf of the customer.
• Article 6 - Cash Deposit and Withdrawal by Family Members
  
  • 1.If the customer wishes to have his/her family members residing at the same address ("Family members") make any cash transactions (deposit/ withdrawal), the customer must notify the Company of the Family members' name and PIN. In such a case, the Company will issue a Card for the customer's Family members (" Family Card").
  • 2.These Terms and Conditions shall also apply to the use of Family Card.
  • 3.The Family members cannot make cash deposits or withdrawals from an ATM or a CD of a Partner Institution using a Smartphone ATM.
• Article 7 - Management of Card, Terminal Used for Smartphone ATM, and PIN
  
  • 1.The ownership of the Card belongs to the Company, and the customer must manage the Card with the care of a prudent manager.
  • 2.The Company will process a cash withdrawal after it is confirmed by the method prescribed by the Company when the Card used at an ATM matches the Card that the Company has issued to the customer, and that the PIN entered thereat matches the PIN registered with the Company.
    Once the Company completes the withdrawal, even if the Card or the PIN are forged, altered, stolen or unauthorized use or any other incident subsequently occurs thereafter, the Company shall treat such transaction as a valid transaction and the Company shall not be liable for any damages resulting therefrom except in the cases set forth in Articles 8 and 9.
  • 3.The Company will process a cash withdrawal after it is confirmed by the method prescribed by the Company that the PIN entered thereat matches the PIN registered with the Company after going through the Smartphone ATM operating procedures.
    Once the Company completes the withdrawal, even if the device used for Smartphone ATM or the PIN are forged, altered, stolen or unauthorized use or any other incident subsequently occurs thereafter, the Company shall treat such transaction as a valid transaction and the Company shall not be liable for any damages resulting therefrom except in the case set forth in Articles 10.
  • 4.The customer must manage the Card and the terminal used for the Smartphone ATM in a manner to ensure that it will not be used by anyone other than the customer. The customer must avoid using his/her date of birth, telephone number or other numbers that can be easily guessed by others for the PIN and the authentication information used to unlock the Sony Bank app. The customer must also manage these PINs and authentication information in a manner that ensures they will not be known by others. If there is any possibility of unauthorized use due to forgery, theft or loss, or if the customer becomes aware of unauthorized use of the Card and the terminal used for the Smartphone ATM, the customer must promptly notify the Company thereof. Upon receipt of such notice, the Company will immediately take measures to suspend the use of the Card and of the applications for smartphone terminals provided by the Company, including the use of Smartphone ATMs.
  • 5.If the Card and the smartphone terminal used for the Smartphone ATM are stolen, the customer must submit to the Company a document prescribed by the Company.
• Article 8 - Withdrawal by Use of Counterfeit Card
  

  If a withdrawal was made by using a counterfeit or forged Card, such withdrawal shall not bind the customer except where it was caused by the customer intentionally, or where the Company proves that the Company acted in good faith and without negligence and the customer acted with gross negligence with respect to such withdrawal.
  In such a case, the customer must submit documents prescribed by the Company, and cooperate with the Company in its investigation in relation to the management of the Card and PIN, damage suffered by the customer and report to the police.

• Article 9 - Withdrawal by Use of Stolen Card
  
  • 1.If a withdrawal was made by the unauthorized use of a stolen Card, the customer may claim compensation from the Company for the amount equivalent to any loss or damage (including fees and interest) suffered by the customer as a result of such withdrawal if:
    • (1) the customer gave notice to the Company promptly after he/she became aware of the theft of the Card;
    • (2) the customer provided full explanation during the Company's investigation; and
    • (3) the customer provided the Company with evidence showing that he/she has reported the theft to the police or other document demonstrating the theft.
  • 2.If a claim is made pursuant to the preceding paragraph, the Company shall, except where such withdrawal was caused by the customer intentionally, compensate the customer for the amount equivalent to the damage (including fees and interest) caused by withdrawal(s) made on or after the date which is thirty (30) days (or if and to the extent that the customer demonstrates that there were unavoidable circumstances which prevented him/her from giving notice to the Company, thirty (30) days plus the period during which such circumstances exist) prior to the date of the customer's notice to the Company ("Compensation Amount").
    However, if the Company proves that the Company acted in good faith and without negligence and the customer acted with negligence with respect to such withdrawal, the Company shall compensate the customer for the three-fourths (3/4) of the Compensation Amount.
  • 3.The provisions of the preceding two paragraphs shall not apply if the notice referred to in paragraph 1 is given to the Company after the lapse of two (2) years following the date on which the Card was stolen (or, if such date is unknown, the date on which the first unauthorized withdrawal using the stolen Card was made).
  • 4.Notwithstanding the provisions of paragraph 2, the Company shall not be liable to compensate for any loss or damage if the Company proves any of the following:
    • (1) The Company acted in good faith and without negligence with respect to such withdrawal, and any of the following circumstances applies:
      • a. The Company proves that the customer acted with gross negligence;
      • b. The withdrawal was made by the customer's spouse, any relative within the second degree, any relative or other person living with the customer, or any household employee (such as a housekeeper undertaking housework); or
      • c. The customer made a false statement in a material respect in explaining the loss or damage to the Company.
    • (2) The Card was stolen during the confusion of or in connection with, an extreme social disorder such as war or riot.
• Article 10 - Withdrawal by Unauthorized Use of Smartphone ATM
  
  • 1.If a withdrawal was made by an unauthorized use of the Smartphone ATM by another person due to theft or loss (hereinafter “Theft, etc.”) of the terminal or theft or unauthorized use of the PIN, etc., the customer may claim compensation from the Company for the amount equivalent to any loss or damage (including fees and interest) suffered by the customer as a result of such withdrawal if:
    • (1) the customer gave notice to the Company, in accordance with the Article 11, promptly after he/she became aware of the theft or unauthorized use of the terminal used for Smartphone ATM;
    • (2) the customer provided full explanation during the Company's investigation; and
    • (3) the customer provided the Company with evidence showing that he/she has reported the theft to the police and explained the facts of the damage or other document demonstrating the Theft, etc. or unauthorized use.
  • 2.If a claim is made pursuant to the preceding paragraph, the Company shall, except where such withdrawal was caused by the customer intentionally, compensate the customer for the amount equivalent to the damage (including fees and interest) caused by withdrawal(s) made on or after the date which is thirty (30) days (or if and to the extent that the customer demonstrates that there were unavoidable circumstances which prevented him/her from giving notice to the Company, thirty (30) days plus the period during which such circumstances exist) prior to the date of the customer's notice to the Company ("Compensation Amount").
    However, if the Company proves that the Company acted in good faith and without negligence and the customer acted with negligence with respect to such withdrawal, the Company shall compensate the customer for the three-fourths (3/4) of the Compensation Amount.
  • 3. The provisions of the preceding two paragraphs shall not apply if the notice referred to in paragraph 1 is given to the Company after the lapse of two (2) years following the date on which the terminal was Theft, etc., or theft or unauthorized use of the PIN, etc., as specified in paragraph 1, (or, if such date is unknown, the date on which the first withdrawal was made by the Theft, etc. of the terminal, or theft or unauthorized use of the PIN).
  • 4.Notwithstanding the provisions of paragraph 2, the Company shall not be liable to compensate for any loss or damage if the Company proves any of the following:
    • (1) The Company acted in good faith and without negligence with respect to such withdrawal, and any of the following circumstances applies:
      • a. The Company proves that the customer acted with gross negligence;
      • b. The withdrawal was made by the customer's spouse, any relative within the second degree, any relative or other person living with the customer, or any household employee (such as a housekeeper undertaking housework); or
      • c. The customer made a false statement in a material respect in explaining the loss or damage to the Company.
    • (2) The withdrawal was made due to the unauthorized use of the Smartphone ATM during the confusion of or in connection with, an extreme social disorder such as war or riot.
    • (3) The unauthorized withdrawal was made due to the use of the terminal that the customer has transferred, lent, or pledged as collateral to another person.
  • 5. With regard to withdrawal due to the unauthorized use of the Smartphone ATM, Article 20 of the SONY BANK GENERAL TERMS AND CONDITIONS shall not be applied.
• Article 11 - Loss of Card and Terminal Used for Smartphone ATM, and Change in Notified Matters
  

  If the customer has lost the Card, the customer must immediately suspend the use of the Card by following the procedures prescribed by the Company. If there is a change to the name, family member residing at the same address, PIN or other notified information, the customer must immediately follow the change procedures in the manner prescribed by the Company.
  If the customer has lost the terminal used for Smartphone ATM and there is a risk that it may be used by another person, or if it has been recognized that it has been used by another person, the customer must immediately request the suspension of use of the applications for Smartphone terminal provided by the Company, including the use of the Smartphone ATM, in the manner prescribed by the Company.

• Article 12 - Reissuance of Card
  
  • 1.When the Card is stolen or lost, the Company will reissue the Card after the customer has completed the procedures prescribed by the Company. In such a case, the Company may withhold the process of reissuing the Card for a reasonable period of time.
  • 2.If the Company reissues the Card, the customer must pay the reissuance fee prescribed by the Company.
• Article 13 - Incorrect Entry at ATM or CD
  

  The Company and Partner Institutions shall not be liable for any damage arising from incorrect entry of the cash amount, etc., when the customer uses an ATM, CD, or a Smartphone ATM.

• Article 14 - Prohibition of Assignment, Pledging, etc.
  

  The customer may not assign, pledge or lend the Card. For the Smartphone ATMs, the provisions of
  the TERMS AND CONDITIONS FOR SMARTPHONE APPLICATION SOFTWARE shall apply
  mutatis mutandis.

• Article 15 - Account Closure and Suspension of Card and Smartphone ATM
  
  • 1.If the customer closes the deposit account, he/she must follow the account closing procedures prescribed by the Company and destroy the Card by oneself.
  • 2.If the Company deems that any use of the Card constitutes falsification, unauthorized use or any other inappropriate use, the Company may refuse to allow the customer to use the Card. The same applies to the Smartphone ATM. In such a case, the customer must return the Card to the Company immediately upon request from the Company. For the Smartphone ATM, the customer must suspend the use of the Smartphone ATM.
  • 3.The Company may suspend the use of the Card and the Smartphone ATM in any of the following cases. In such cases, the Company will lift the suspension when it is confirmed in the identity verification method prescribed by the Company that the person who tries to use the Card is the customer.
    • (1) A certain period separately prescribed by the Company has elapsed since the last deposit or withdrawal was made in or from a deposit account; or
    • (2) The Company determines that there is a possibility of unauthorized use of the Card due to forgery, theft or loss.
    • (3) The Company determines that there is a possibility of unauthorized use of the Smartphone ATM due to forgery, theft, or loss.
  • 4.If the customer violates Article 14, the Company will suspend the customer's use of the Card or the Smartphone ATM.
• Article 16 - Mutatis Mutandis Application of Other Terms and Conditions
  

  Concerning any matters related to transactions using the Card or the Smartphone ATM that are not specified in these Terms and Conditions, Sony Bank General Terms and Conditions and other applicable terms and conditions adopted by the Company shall apply mutatis mutandis.

• Article 17 - Modification of these Terms and Conditions
  
  • 1.The Company may modify these Terms and Conditions and other conditions in the event that changes in financial situations or other reasonable grounds are deemed. The Company will provide notification of the modification by posting relevant information on its website or by other appropriate means.
  • 2.The modifications in the preceding paragraph shall be applied from the commencing date of application set forth at the Company's notification, etc.

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