Article 1The terms "bank", "banking", "installment savings", "installment savings, etc.", "depositor, etc.", "voting rights of all shareholders, etc.", "shares, etc.", "subsidiary company", "major shareholder threshold", "bank's major shareholder", "holding company", "bank holding company", "bank agency services", "bank agent", "principal bank", "designated dispute resolution organization", "banking services", "complaint processing procedures", "dispute resolution procedures", "dispute resolution, etc.", and "basic contract for the implementation of dispute resolution procedures" as used in this Cabinet Office Order means a bank, banking, installment savings, installment savings, etc., depositor, etc., voting rights of all shareholders, etc, shares, etc., subsidiary company, major shareholder threshold, bank's major shareholder, holding company, bank holding company, bank agency services, bank agent, principal bank, designated dispute resolution organization, banking services, complaint processing procedures, dispute resolution procedures, dispute resolution, etc., and basic contract for the implementation of dispute resolution procedures, respectively, as provided in Article 2 of the Banking Act (Act No. 59 of 1981; hereinafter referred to as "the Act").

Article 1-2The requirements specified by Cabinet Office Order that are provided for in Article 2, paragraph (9) of the Act means the requirements set forth in Article 8, paragraph (6), item (ii), (a) through (e) of the Regulation on the Terminology, Forms, and Preparation Methods of Financial Statements (Ministry of Finance Order No. 59 of 1963; hereinafter referred to as the "Regulation on Financial Statements, etc.").

Article 1-3(1)Voting rights specified by Cabinet Office Order, which is not to be included in the voting rights held by a company or a holder of voting rights pursuant to the provisions of Article 2, paragraph (11) of the Act (including as applied mutatis mutandis pursuant to the provisions of Article 3-2, paragraph (2); Article 16-4, paragraph (9); Article 52-2-11, paragraph (2); Article 52-3, paragraph (5); Article 52-4, paragraph (4); Article 52-24, paragraph (9), and Article 53, paragraph (5) of the Act, and Article 4, paragraph (2); Article 17-2, paragraph (15); Article 17-5, paragraph (6); Article 17-7, paragraph (3); Article 17-7-3, paragraph (4); Article 34-10, paragraph (6); Article 34-16, paragraph (13); Article 34-19, paragraph (6); Article 34-21, paragraph (3); Article 34-23-2, paragraph (4); Article 34-29, paragraph (3); Article 34-30, paragraph (3); Article 34-31, paragraph (3); and Article 35, paragraph (10) of the Enforcement Order of the Banking Act (Cabinet Order No. 40 of 1982; hereinafter referred to as "the Order"; hereinafter the same applies in the following paragraph)) are the voting rights from the following Shares, etc. (which means the voting rights prescribed in Article 2, paragraph (6) of the Act; the same applies to item (ii) of this paragraph, the following paragraph, Articles 1-5 through 1-8, Article 3, and Chapter III, Chapter V, Chapter VIII (excluding Article 34-26), Chapter VIII-3 and Chapter IX):

(2)The voting rights specified by Cabinet Office Order that, pursuant to the provisions of Article 2, paragraph (11) of the Act, are excluded from consideration as voting rights from shares, etc. constituting trust property that a company or the person holding those voting rights may exercise, as the settler or beneficiary, or with regard to whose exercise the company or person may give instructions, as the settlor or beneficiary, means voting rights from shares, etc. with regard to whose exercise the company may give instructions, pursuant to the provisions of Article 10 of the Act on Investment Trusts and Investment Corporations (Act No. 198 of 1951), as the settlor company of an investment trust (meaning the settlor company of an investment trust as prescribed in Article 2, paragraph (11) of that Act; the same applies hereinafter), and voting rights from shares, etc. with regard to whose exercise that company may give instructions, pursuant to the provisions of foreign laws or regulations that are equivalent to the provisions of Article 10 of that Act, as a person that, pursuant to the provisions of foreign laws or regulations equivalent to that Act, is equivalent to an investment trust management company.

(3)A bank, when intending to obtain an approval as prescribed in Article 1, item (v), must attach a written statement of reasons to the written application for approval and submit them to the Commissioner of the Financial Services Agency.

(4)When an application for approval under the provisions of the preceding paragraph is filed, the Commissioner of the Financial Services Agency is to investigate whether it is impermissible for the Bank filing the application to exercise voting rights, or to give instructions concerning the exercise of voting rights, in connection with the Shares, etc. to which the application pertains.

Article 1-3-2(1)The total amount of assets calculated by a method specified by Cabinet Office Order, as provided in Article 2, paragraph (12) of the Act, is the total amount of assets on the latest balance sheet of a company (if the first business year after the incorporation of the company is not completed, the balance sheet on the day of the company's incorporation), and if an issuance of shares for subscription as prescribed in Article 199, paragraph (1) of the Companies Act (Act No. 86 of 2005), delivery of shares as a result of the exercise of share options, issuance of corporate bonds, share exchange, merger, company split, acquisition of business, transfer of business or any other material change in the company's assets has occurred after the last day of the business year that the balance sheet is for (or, after the day of the company's incorporation if the first business year after the incorporation of the company is not completed), the total amount of assets is the amount arrived at after adding or deducting the fluctuation in the total asset amount that resulted from these changes.

(2)The assets specified by Cabinet Office Order that are provided for in Article 2, paragraph (12) of the Act are loans to subsidiary companies (limited to those designated by the Commissioner of the Financial Services Agency) of a bank holding company (limited to those designated by the Commissioner of the Financial Services Agency) and any other assets designated by the Commissioner of the Financial Services Agency.

(3)The amount calculated by the method specified by Cabinet Office Order, as provided in Article 2, paragraph (12) of the Act, is the total amount of assets prescribed in the preceding paragraph, as stated according to Appended Form 15 in annexed detailed statements associated with the financial statements for the most recent business year that a company has prepared pursuant to the provisions of Article 435, paragraph (2) of the Companies Act (if the first business year after the incorporation of the company is not completed, the total amount of assets prescribed in the preceding paragraph as stated in the balance sheet as of the time of the company's incorporation).

Article 1-4The organization specified by Cabinet Office Order as being equivalent to a corporation that is provided for in Article 3-2, paragraph (1), item (i) of the Act, means an unincorporated association or foundation that has rules concerning its representative person or administrator.

Article 1-5(1)A company that is required to prepare financial statements or other documents on a consolidated basis pursuant to the provisions of Cabinet Office Order, as provided in Article 3-2, paragraph (1), item (ii) of the Act, means a company submitting consolidated financial statements prescribed in Article 2, item (i) of the Regulation on Terminology, Forms, and Preparation Methods of Consolidated Financial Statements (Ministry of Finance Order No. 28 of 1976; hereinafter referred to as the "Regulation on Consolidated Financial Statements").

(2)The number calculated pursuant to the provisions of Cabinet Office Order prescribed in Article 3-2, paragraph (1), item (ii) of the Act is a number calculated when the number of voting rights held by all the shareholders of the relevant bank is multiplied by a specified voting rights percentage (this specified voting rights percentage means the number calculated when the number of specified voting rights (these specified voting rights mean the voting rights as prescribed in Article 2, paragraph (6) of the Act from which voting rights that concern shares which are deemed to have voting rights pursuant to the provisions of Article 879, paragraph (3) of the Companies Act are excluded; hereinafter the same applies in this Article) in a single bank held by the relevant company is divided by the number of specified voting rights held by all the shareholders of that bank) pertaining to the number arrived at when the number of specified voting rights in that bank held by the company is combined with the number of specified voting rights in that bank held by that company's consolidated companies, etc. (which mean companies, etc. prescribed in Article 3-2, paragraph (1), item (ii) of the Act; hereinafter the same applies in this Article through Article 1-7), the number of which is prescribed in the following items for each of those company's consolidated companies', etc. categories set forth in the those respective items:

Article 1-6(1)The company, etc. specified by Cabinet Office Order as provided for in Article 3-2, paragraph (1), item (iii) of the Act means any of the following companies, etc.:

(2)In a case as referred to in the preceding paragraph, the voting rights held by a first company, etc. in which a second company, etc. holds the majority of voting rights of all of that first company's, etc. shareholders or all of its investors are deemed to be voting rights held by that second company, etc.

(3)In a case as referred to in one of the preceding two paragraphs, the voting rights held by a first company, etc. or a second company, etc. are to include shares or voting rights from a contribution which may not be asserted against the issuer pursuant to the provisions of Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Book-Entry of Corporate Bonds, Shares (Act No. 75 of 2001) (including as applied mutatis mutandis pursuant to Article 228, paragraph (1), Article 235, paragraph (1), Article 239, paragraph (1), and Article 276 (limited to the part pertaining to item (ii) of that Act)).

Article 1-7The person specified by Cabinet Office Order and the number calculated pursuant to the provisions of Cabinet Office Order as provided for in Article 3-2, paragraph (1), item (vii) of the Act means, in accordance with the categories of persons set forth in the following items, the numbers specified in those items:

Article 1-8(1)A stock company seeking a business license under Article 4, paragraph (1) of the Act must attach the following documents to the written application for licensing that all of the directors (or, for a company with nominating committee, etc., directors and executive officers) have signed and submit the documents to the Prime Minister via the Commissioner of the Financial Services Agency:

(2)If a stock company other than a bank seeks to obtain a business license under Article 4, paragraph (1) of the Act by amending its prior purposes in order to carry out banking, in addition to the documents set forth in the preceding items (except for documents set forth in item (ii), (c) of that paragraph), the following documents must be attached to the written application for license:

(3)The Prime Minister, when implementing an examination as prescribed in Article 4, paragraph (2) of the Act pertaining to an application for license under the preceding two paragraphs, is to consider the following particulars:

Article 2A person that intends to obtain a business license under Article 4, paragraph (1) of the Act may request a preliminary examination by submitting the equivalent documents pursuant to the provisions of the preceding Article to the Prime Minister via the Commissioner of the Financial Services Agency.

Article 3The person specified by Cabinet Office Order that is provided for in Article 1-2, item (vii) of the Order means those specified in the following items:

Article 4The percentage specified by Cabinet Office Order that is provided for in Article 4, paragraph (3) of the Act is fifty percent.

Article 4-2Financial institutions specified by Cabinet Office Order that are provided for in Article 4, paragraph (5) of the Act mean those specified in the following items:

Article 5A bank, when intending to obtain an authorization for a reduction of stated capital amount under Article 5, paragraph (3) of the Act, must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency, the Director General of Local Finance Bureau or Fukuoka Local Finance Branch Bureau (hereinafter referred to as the "Commissioner of the Financial Services Agency, etc."):

Article 6(1)A bank, when intending to obtain an authorization for change of trade name under Article 6, paragraph (3) of the Act, must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency, etc.:

(2)The Commissioner of the Financial Services Agency, etc., when an application for authorization is filed pursuant to the provisions of the preceding paragraph, is to examine whether the trade name to which the application pertains is not the same as or similar to the trade name of another bank.

Article 7(1)A director who engages in ordinary business of a bank (or, the executive officer in the case of a company with nominating committee, etc.; the same applies in the following paragraph) must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency, etc. via that bank pursuant to the provisions of Article 7, paragraph (1) of the Act, if intending to obtain an authorization with regard to engaging in ordinary business of another company:

(2)The Commissioner of the Financial Services Agency, etc., when an application for authorization is filed pursuant to the provisions of the preceding paragraph, with regard to the engagement of the director to whom the application pertains in ordinary business of a bank, is to examine whether the concurrent holding of positions to which the application pertains may not cause any concern.

Article 8(1)A business office as prescribed in Article 8, paragraph (1) and paragraph (2) of the Act means facilities or equipment (excluding portable equipment and equipment which is possessed or managed by a person other than the bank; the same applies hereinafter) where a bank carries out all or part of business set forth in each item of Article 10, paragraph (1) of the Act.

(2)A head office as prescribed in Article 8, paragraph (1) of the Act means a facility that supervises the bank services and is registered as the head office.

(3)A branch office as prescribed in Article 8, paragraph (1) and paragraph (2) of the Act means a facility constituting a business office that is subordinate to a head office, at which bank services are carried out in the name of and under the account of the business office in question.

(4)A change of type as prescribed in Article 8, paragraph (1) and paragraph (2) of the Act means a change from a business office other than a head office (a head office as prescribed in paragraph (2); the same applies hereinafter) and a branch office (a branch office as prescribed in the preceding paragraph; the same applies hereinafter) of a bank (hereinafter referred to as a "sub-office") to a branch office, and a change from a branch office to a sub-office.

Article 9(1)The case specified by Cabinet Office Order that is provided for in Article 8, paragraph (1) of the Act means:

(2)When a bank intends to submit a notification of the establishment, change of location, change of type, or closure of a business office pursuant to the provisions of Article 8, paragraph (1) of the Act, it must attach a written statement of reasons and other documents giving particulars found to be necessary by the Commissioner of the Financial Services Agency to the written notification and submit them to the Commissioner of the Financial Services Agency, etc..

Article 9-2(1)When a bank intends to obtain an authorization for the establishment, change of type, or closure of a business office in a foreign state pursuant to the provisions of Article 8, paragraph (2) of the Act, it must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency, etc.:

(2)When an application for authorization to establish or change the type of a business office under the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether it conforms to the following standards:

(3)The case specified by Cabinet Office Order that is provided for in Article 8, paragraph (2) of the Act means those specified in the following items:

(4)When an application for authorization to close a business office under paragraph (1) is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the closure will not cause substantial effects to the customers of the business office, such as transactions pertaining to a customer of the business office will be succeeded to another business office of the bank which filed the application or other financial institution without any hindrance.

Article 10(1)When a bank intends to obtain an authorization to conclude a contract to entrust acts set forth in each item of Article 2, paragraph (14) of the Act in a foreign state pursuant to the provisions of Article 8, paragraph (3) of the Act (hereinafter referred to as an "entrustment contract" in this Article and paragraph (3) of the following Article) or to terminate that entrustment contract, it must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency, etc.:

(2)When an application for authorization to conclude an entrustment contract under the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether it conforms to the following standards:

(3)When examining whether the relevant other party conforms to the standards set forth in item (ii) of the preceding paragraph, the Commissioner of the Financial Services Agency, etc. is to consider the particulars set forth in each item of Article 34-37.

(4)When an application for authorization to terminate an entrustment contract under paragraph (1) is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the termination will not cause substantial effects to the customers concerning the entrusted business of the foreign bank agent, such as transactions pertaining to those customers will be succeeded to another business office of the bank which filed the application or other financial institution without any hindrance.

Article 10-2(1)The persons specified by Cabinet Office Order that are provided for in Article 8, paragraph (4) of the Act are those specified in the following items:

(2)The term "parent company, etc." as prescribed in item (iv) of the preceding paragraph means a corporation, etc. holding voting rights exceeding fifty percent of the voting rights of all shareholders, etc. in another corporation, etc. (which means a corporation, etc. prescribed in Article 4, paragraph (1), item (i), (b) of the Order; hereinafter the same applies); the term "subsidiary company, etc." as prescribed in the items of the preceding paragraph means a corporation, etc. in which a parent company, etc. holds voting rights exceeding fifty percent of the voting rights of all shareholders, etc.In this case, voting rights held by a subsidiary company, etc. are deemed to be voting rights held by the parent company, etc. of that subsidiary company, etc.

(3)If seeking to undertake a notification under Article 8, paragraph (4) of the Act, a bank must attach the documents specified in the following items to a written notification in accordance with the categories set forth in those items and submit them to the Commissioner of the Financial Services Agency, etc.:

Article 11[deleted]

Article 12Monetary claims indicated in the form of certificates specified by Cabinet Office Order that are provided for in Article 10, paragraph (2), item (v) of the Act are those specified in the following items:

Article 12-2The things specified by Cabinet Office Order as constituting securities as prescribed in Article 10, paragraph (2), item (v)-2 of the Act are securities as prescribed in Article 15-17, paragraph (1) of the Order for Enforcement of the Financial Instruments and Exchange Act (Act No. 321 of 1965) (with regard to the security prescribed in that paragraph, limited to a security which has characteristics as set forth in Article 2, paragraph (1), item (iv) or item (v) of the Financial Instruments and Exchange Act) in whic the assinged assets set forth in Article 40, item (i) of the Cabinet Office Order on Financial Instruments Business (Cabinet Office Order No. 52 of 2007) are a nominative monetary claim or a beneficiary right to the trust in which the nominative monetary claim is placed.

Article 13Acting as agent or intermediary in connection with services which is specified by Cabinet Office Order, as provided in Article 10, paragraph (2), item (viii) of the Act means those specified in the following items:

Article 13-2(1)The services specified by Cabinet Office Order, as provided in Article 10, paragraph (2), item (viii)-2 of the Act, mean those specified in the following items:

(2)Notwithstanding the provisions of the preceding paragraph, the services specified by Cabinet Office Order that are provided for in Article 10, paragraph (2), item (viii)-2, of the Act pertaining to a foreign bank branch (which means a foreign bank branch prescribed in Article 47, paragraph (2) of the Act; the same applies hereinafter) means those specified in the following items:

Article 13-2-2Derivatives transactions as specified by Cabinet Office Order that are provided for in Article 10, paragraph (2), item (xii) and item (xiii) of the Act are a derivatives transaction as prescribed in Article 2, paragraph (20) of the Financial Instruments and Exchange Act (excluding a derivatives transaction corresponding to the securities-related derivatives transactions (which means the securities-related derivatives transactions as prescribed in Article 28, paragraph (8), item (vi) of that Act; the same applies hereinafter)).

Article 13-2-3(1)The transaction specified by Cabinet Office Order that is provided for in Article 10, paragraph (2), item (xiv) of the Act means one of the following:

(2)A transaction specified by Cabinet Office Order as a transaction that it is found to be unlikely to damage the sound management of a bank, as provided in Article 10, paragraph (2), item (xiv) of the Act, means one as set forth in the items of the preceding paragraph.

(3)Acting as the intermediary, broker, or agent as specified by Cabinet Office Order, as provided in Article 10, paragraph (2), item (xv) of the Act means acting as the intermediary, broker, or agent in transactions set forth in Article 2, paragraph (14), items (i) through (iii) of the Commodity Derivatives Act (Act No. 239 of 1950) and item (iv) of that paragraph (excluding sub-item (d)), for listed commodity component products, etc. (meaning the listed commodity component products, etc. prescribed in Article 15, paragraph (1), item (i) of that Act) by using quotations on a commodity market (meaning the commodity market prescribed in Article 2, paragraph (9) of that Act).

Article 13-2-4(1)The contract that is specified by Cabinet Office Order, as provided for in Article 10, paragraph (2), item (xviii), sub-item (a) of the Act means a contract for allowing the use of machinery and other objects which does not contain a provision to the effect that the parties may not cancel the contract before the end of the period of use (which means the period of use prescribed in sub-item (a) of that item; hereinafter the same applies in this paragraph), and under which the other party to the contract is to pay almost all of the use fees for the unpaid period of use if that other party breaches the obligations based on the contract or cancels the contract before the end of the period of use specified in the contract.

(2)The costs specified by Cabinet Office Order that are provided for in Article 10, paragraph (2), item (xviii), (b) of the Act consist of the amounts of interest and fees.

Article 13-2-5The services specified by Cabinet Office Order that are provided for in Article 11, item (iv) of the Act means services for concluding a contract involving the acquisition or transfer of a carbon dioxide equivalent quota, or for acting as intermediary, broker, or agent in the conclusion of such a contract.

Article 13-3(1)When a bank provide the information of its depositors, etc. pursuant to the provisions of Article 12-2, paragraph (1) of the Act, that bank is to do so by the method:

(2)A bank may provide the financial instruments information by electronic or magnetic means (which means electronic or magnetic means as prescribed in Article 20, paragraph (6) of the Act; the same applies hereinafter) after obtaining the consent of the depositor, etc., pursuant to the provisions of the following paragraph, in place of the delivery of a document under item (iv) of the preceding paragraph.In this case, the bank is deemed to have delivered the document.

(3)When a bank intends to provide financial instruments information pursuant to the provisions of the preceding paragraph, that bank must indicate to the depositor, etc. the type and substance, as follows, of the electronic or magnetic means that the bank will use, and must obtain consent in writing or by electronic or magnetic means in advance:

(4)If a bank that has obtained the consent under the preceding paragraph, receives a notice from the depositor, etc., either in written form or by electronic or magnetic means, indicating that the depositor, etc. is not willing to be provided with information by information by electronic or magnetic means, the bank must not use electronic or magnetic means to provide financial instruments information to that depositor, etc.; provided, however, that this does not apply if the depositor, etc. has once again given the consent under that paragraph.

Article 13-4A bank is to provide information to a customer by a method equivalent to that prescribed in the preceding Article in cases of handling specified corporate bonds (including; a bond issued by an ordinary bank which prescribed in Article 17-2, paragraph (1) of the Act on Financial Institutions' Merger and Conversion prior to amendment (hereinafter referred to as "the former Act on Merger and Conversion" in this Article) (including as applied mutatis mutandis pursuant to the provisions of Article 24, paragraph (1), item (vii) of the former Act on Merger and Conversion; hereinafter the same applies in this Article) by the provisions of Article 199 of the Act on Arrangement of Relevant Acts Incidental to Enforcement of the Companies Act (Act No. 87 of 2005) and which is authorized pursuant to the provisions of Article 17-2, paragraph (1) of the formet Act on Merger and Conversion; and a bond which is issued by an ordinary bank which is prescribed in Article 17-2, paragraph (1) of the Act on Financial Institutions' Merger and Conversion prior to amendment by the provisions of Article 168 of the Supplementary Provisions of the Act on Revision of Related Acts for the Financial System Reform (Act No. 107 of 1998) which are to remain in force pursuant to the provisions of Article 169 of the same Supplementary Provisions, and which is authorized pursuant to the provisions of Article 17-2, paragraph (1) of the Act on Financial Institutions' Merger and Conversion prior to amendment (limited to a case in which a financial institution ceasing to exist as prescribed in that paragraph is a foreign exchange bank)) according to the provisions of Article 8, paragraph (1) of the Act on Financial Institutions' Merger and Conversion (Act No. 86 of 1968) (including as applied mutatis mutandis pursuant to Article 55, paragraph (4) of that Act).

Article 13-5(1)If a bank handles the following financial instruments, the bank must provide to a customer an explanation for preventing the customer from misidentifying those financial instruments as deposits, etc., by delivering documents or other appropriate methods, according to the method of their businesses and based on the customer's knowledge, experience, condition of assets, and purpose for the transaction:

(2)If a bank provides the explanation as prescribed in the preceding paragraph, the bank is to explain the following particulars (excluding what is set forth in item (iii) and item (iv) in a case of corporate bonds (other than short-term bonds as set forth in Article 10, paragraph (3), item (i) of the Act) issued by the bank)

(3)If a bank handles the financial instruments set forth in paragraph (1) at its business office, the bank must handle them at a specified counter and display those particulars set forth in items (i) through (iii) of the preceding paragraph at that counter in a manner in which customers can notice them easily.

(4)If a bank concludes a trust contract without agreement for compensation of principal based on the provisions of Article 10, paragraph (2), item (viii) of the Act or Article 12 of the Act, or acts as an agent or intermediary in the conclusion of such a contract, the bank must do this at a specified counter and display that the trust contract doesn't have an agreement for compensation of principal at that counter in a manner in which customers can notice them easily; and, if a bank concludes a trust contract pertaining to a monetary trust without agreement for compensation of principal, or acts as an agent or intermediary in the conclusion of such a contract (excluding cases set forth in each item of Article 78 of the Order for Enforcement of Trust Business Act (Cabinet Office Order No. 107 of 2004)), the bank must explain those particulars set forth in each item of paragraph (2).

Article 13-6If an investment trust management company or an asset management company (which means an asset management company as prescribed in Article 2, paragraph (19) of the Act on Investment Trusts and Investment Corporations; the same applies hereinafter) handles beneficiary certificates of investment trusts or foreign investment trusts, investment certificates, investment corporation bonds, or foreign mutual funds (hereinafter referred to as "beneficiary certificates, etc." in this Article) as prescribed in that Act by using a portion of a business office of a bank, the bank must clearly segment the location where the bank handles deposits, etc. from the location where the investment trust management company or the asset management company handles the beneficiary certificates, etc., and must take appropriate measures such as not placing displays that may cause misidentification by customers.

Article 13-6-2When a bank engages in its business by using a computer connected to a telecommunications line, the bank must take appropriate measures in order to prevent customers from misidentifying the the bank as another person.

Article 13-6-3(1)If a bank implements a specified transaction and corresponds to all of the following requirements, the bank must establish a special account (hereinafter referred to as a "specified transaction account") in order to separate accounting for specified transactions and assets subject to specified transactions from accounting for other transactions and assets. In this case, this does not preclude a bank which does not correspond to either of those requirements or a bank which does not correspond to any of those requirements from establishing a specified transaction account:

(2)The term "specified transaction" as used in the preceding paragraph means transactions other than those which correspond to securities-related derivatives transactions and the following transactions among market derivatives transactions and foreign market derivatives transactions that the bank conducts on the bank's own account; with the purpose of obtaining profit by using short-term changes in money rate, value of currencies, quotations on a financial instruments market (which means a financial instruments market as prescribed in Article 2, paragraph (14) of the Financial Instruments and Exchange Act; the same applies hereinafter) and other indicator (which is referred to as an "indicator" in paragraph (5)), by using differences among markets, or by using other means; or with the purpose of reducing loss that may be generated from transactions for that purpose:

(3)A bank which has established a specified transaction account (hereinafter referred to as a "bank with a specified transaction account") must not perform the following acts; however, this does not apply when the bank performs them within the scope stated in the documents as set forth in Article 35, paragraph (5), item (i), (e):

(4)Acts as stipulated in the preceding paragraph are to include transactions set forth in paragraph (2), items (i) through (iv)-2 and item (xv) that are conducted between a specified transaction account and other accounts (including transactions which are defined to be a specified transaction pursuant to the provisions of item (xvii) of that paragraph as a transaction similar to or having a close relationship with those transactions) within a single bank.

(5)A bank with a specified transaction account must take the necessary measures in order to treat the accounting appropriately, with regard to calculations of the amount equivalent to profit or the amount equivalent to loss pertaining to unsettled specified transactions at the end of a business year, such as specifying those amounts as specified in the following items in accordance with the transaction categories set forth in those items:

Article 13-6-4If a bank entrusts a third party with the administrative processes involved in receiving or paying out money in connection with deposit or fund lending services (excluding if a bank entrusts these services to a bank agent as bank agency services), it must take measures as in one of the following items:

Article 13-6-5If a bank entrusts the safety management of information handled by the bank concerning individual customers, the supervision of employees, and the handling of that information, the bank must take necessary and appropriate measures with regard to supervision of the entrusted person in order to prevent leakage, loss, or damage of that information.

Article 13-6-6A bank must take measures in order to ensure that information which is provided by an institution (which means an institution that collects information concerning debt-paying ability of consumers seeking funds and provides the information to a bank) concerning credit information and is concerning the debt-paying ability of individual consumers seeking funds is not used for purposes other than investigation of debt-paying ability of the consumers seeking funds.

Article 13-6-7A bank must take measures to ensure that information handled by the bank about race, creed, family origin, registered domicile, health and medical, or criminal records concerning individual customers, and other special non-public information (which means information which is obtained in the course of its business and not publicly disclosed) are not used for purposes other than those for securing appropriate management of the business and other necessary purposes.

Article 13-6-8(1)If a bank entrusts a third party with its business (excluding a case in which the bank holding company belonging to the bank holding company group (meaning the bank holding company group prescribed in Article 12-2, paragraph (3), item (i) of the Act; the same applies hereinafter) to which the bank belongs takes measures to ensure the precise execution of the business pursuant to the provisions of the following paragraph), it must take the following measures corresponding to the contents of the business:

(2)A bank holding company that takes measures to ensure the precise execution of the relevant business pursuant to the provisions of Article 12-2, paragraph (3), item (i) of the Act must take measures to ensure that a policy for business management at the bank holding company that provides for the following particulars is formulated and implemented:

Article 13-7A Bank, in accordance with the content and method of its business, must stipulate internal regulations, etc. (which means internal regulations and those equivalent; the same applies hereinafter) concerning measures in order to provide to customers an explanation of material particulars in consideration of a customer's knowledge, experience, status of assets, and purposes of a transaction and other measures in order to secure sound and appropriate business management (including the explanation of financial instruments, transactions, and their risks and measures taken by the Bank as prescribed in Article 12-3, paragraph (1) of the Act by delivery of documents and other appropriate methods, and measures to prevent crime), and must develop training on employees and other sufficient system to manage its business based on the internal regulations, etc.

Article 13-8(1)The measures specified by Cabinet Office Order as constituting complaint processing measures, as provided in Article 12-3, paragraph (1), item (ii) of the Act means any of the following items:

(2)The measures specified by Cabinet Office Order as constituting dispute resolution measures, as provided in Article 12-3, paragraph (1), item (ii) of the Act means any of the following items:

(3)Notwithstanding the provisions of the preceding two paragraphs (limited to paragraph (1), item (v) and item (v) of the preceding paragraph), a bank must not handle complaints related to banking services or resolve disputes related to banking services through a procedure performed by a corporation that falls under any of the following items:

Article 13-9The person specified by Cabinet Office Order that is provided for in Article 4, paragraph (1), item (i), (b) of the Order is the parent company of the single person itself (meaning the single person itself prescribed in that paragraph) that is a company, or the parent company of a corporation, etc. that holds the single person itself as a combined subsidiary corporation, etc. (meaning the combined subsidiary corporation, etc. prescribed in paragraph (2) of that Article; hereinafter the same applies in this Article) (limited to the cases in which the single person itself or the corporation, etc. falls within the category of company submitting consolidated financial statements (which means the person prescribed in Article 2, item (i) of the Regulation on Consolidated Financial Statements; hereinafter the same applies in this Article, item (i) of the following Article, and Article 13-11, paragraph (1), item (i))) (the parent company mentioned herein means the parent company prescribed in Article 8, paragraph (3) of the Regulation on Financial Statements, etc.; excluding a corporation, etc. that holds the single person itself (limited to one that is a company submitting consolidated financial statements) as a combined subsidiary corporation, etc.).

Article 13-10The person specified by Cabinet Office Order as a corporation, etc. that is required to prepare its financial statements and any other documents on a consolidated basis, as provided in the parentheses in Article 4, paragraph (2), item (i) of the Order, means a corporation, etc. that falls under any of the following items:

Article 13-11(1)The corporation, etc. that controls the decision-making organization of another corporation which is specified by Cabinet Office Order, as provided for in Article 4, paragraph (2), item (i) of the Order, means a person as specified in the relevant of the following items for the category of corporation, etc. subject to obligor consolidation standards (meaning the corporation, etc. subject to obligor consolidation standards prescribed in item (i) of that paragraph; hereinafter the same applies in this Article) set forth in that item:

(2)The person specified by Cabinet Office Order that is provided for in Article 4, paragraph (3) of the Order means a person as specified in the relevant of the following items for the category set forth in that item (in the case of a person subject to consolidated credit amount (meaning the person subject to consolidated credit amount prescribed in paragraph (1) of that Article), excluding the one specified by the Commissioner of the Financial Services Agency):

Article 14(1)The things that Cabinet Office Order prescribes to be loans which are provided for in Article 4, paragraph (4), item (i) of the Order means fund lending or the discounting of bills and notes that have been recorded in a loan account of a balance sheet (hereinafter referred to as a "balance sheet" in this Article) as prescribed in item (iii) of the appended form (or, item (iii)-2 of the appended form, in case of a bank with a specified transaction account; or item (iv) of the appended form, in the case of a foreign bank branch (or, item (iv)-2 of the appended form, in a case in which that foreign bank branch corresponded to a case set forth in Article 35, paragraph (1), item (xviii) and submitted a notification under Article 53 of the Act (hereinafter referred to as a "foreign bank branch that submitted notification of a specified transaction account"))).

(2)The things that Cabinet Office Order prescribes to be the guaranteeing of a debt as provided in Article 4, paragraph (4), item (ii) of the Order means anything recorded in the guarantee endorsements account of the Balance Sheet.

(3)The things that Cabinet Office Order prescribes to be the making of a contribution as provided in Article 4, paragraph (4), item (iii) of the Order means anything recorded as shares or contributions (including rights presented on securities or certificates issued by a foreign corporation that have the nature of shares or a contribution) in the securities account item of the balance sheet.

(4)The things that Cabinet Office Order prescribes which are provided for in Article 4, paragraph (4), item (iv) of the Order means those specified in the following items:

Article 14-2(1)The amount in which a bank extends credit or makes contributions to a single person as prescribed in Article 13, main clause of paragraph (1) of the Act (meaning the extension of credit or the making of a contribution as prescribed in the main clause of that paragraph; hereinafter the same applies in this Article to Article 14-6) (referred to as the "total amount of credit and contributions to a single entity" in Article 14-5, paragraph (2)) is to be calculated by deducting the total amount as set forth in the following items in relation to the single person from the total amount in which the relevant bank has extended credit or made contributions that is recorded or calculated pursuant to the provisions of each paragraph of the preceding Article in relation to a single person:

(2)The amount of equity capital as prescribed in Article 13, main clause of paragraph (1) of the Act is the amount of equity capital calculated in accordance with the standards set forth in Article 14-2, item (i) of the Act to which the amount of necessary adjustments are added pursuant to as specified by the Commissioner of the Financial Services Agency.

(3)A bank, in whatever name it is performed, must not transact or act in order to evade the prohibitions under Article 13, main clause of paragraph (1) of the Act.

Article 14-3(1)A business of vital importance to the national economy as specified by Cabinet Office Order that is provided for in Article 4, paragraph (7), item (ii) of the Order means the general electricity transmission and distribution business prescribed in Article 2, paragraph (1), item (viii) of the Electricity Business Act (Act No. 170 of 1964).

(2)The reason specified by Cabinet Office Order that is provided for in Article 4, paragraph (7), item (iv) of the Order means any of the following reasons:

(3)If a bank intends to obtain an approval to extend credit or make a contribution to a single person pursuant to Article 13, proviso of paragraph (1) of the Act in an amount that exceeds the limit on credit and contributions, as prescribed in the main clause of that paragraph, the bank must attach the following documents to the written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.:

Article 14-4A person uniquely related to a bank as specified by Cabinet Office Order that is provided for in the first sentence of Article 13, paragraph (2) of the Act means a subsidiary corporation, etc. (which means a subsidiary corporation, etc., as prescribed in Article 4-2, paragraph (2) of the Order; hereinafter the same applies in this Chapter, Article 17-7-3, paragraph (1) and paragraph (3), Article 21, Article 34-32, and Article 35, paragraph (1)) or an affiliated corporation, etc. (which means an Affiliated Corporation, etc., as prescribed in Article 4-2, paragraph (3) of the Order; the same applies hereinafter in this Chapter and Article 17-7-3, paragraph (3)) of the bank.

Article 14-5(1)The total amount in which credit has been extended or contributions have been made to a single person by the bank and its subsidiary company, etc., or just by its subsidiary company, etc. as prescribed in Article 13, first sentence of paragraph (2) of the Act is to be calculated by deducting the amount subject to the adjustment pertaining to the single person from the total amount of consolidated credit and contributions.

(2)The term "total amount of consolidated credit and contributions" as prescribed in the preceding paragraph means the total amount of the amounts as set forth in each of the following items:

(3)The term "amount subject to adjustment" as prescribed in paragraph (1) means the amount secured by the bank or other subsidiary company, etc. among the amount of funds lent by the subsidiary company, etc. (which means a subsidiary company, etc., as prescribed in Article 13, first sentence of paragraph (2) of the Act; hereinafter the same applies in this Article) and other amounts as specified by the Commissioner of the Financial Services Agency.

(4)Net total amount of equity capital as prescribed in Article 13, first sentence of paragraph (2) of the Act is the amount of equity capital calculated in accordance with the standards set forth in Article 14-2, item (ii) of the Act to which the amount of necessary adjustments are added pursuant to as specified by the Commissioner of the Financial Services Agency.

(5)A bank, in whatever name it is performed, must not transact or act in order to evade the prohibitions pursuant to the provisions of Article 13, the first sentence of paragraph (1) of the Act.

Article 14-6(1)The provisions of Article 14-3, paragraph (2) apply mutatis mutandis to reasons as specified by Cabinet Office Order that are provided for in Article 4, paragraph (10), item (v) of the Order (including as applied mutatis mutandis pursuant to Article 16-2-2, paragraph (5) of the Order).In this case, the term "the bank" in Article 14-3, paragraph (2), item (i) and item (ii) is deemed to be replaced with "the bank or its subsidiary company, etc."; the term "amount of equity capital" in item (ii) of that paragraph is deemed to be replaced with "net total amount of equity capital"; and the term "limit on credit and contributions" in that item is deemed to be replaced with "consolidated limit on credit and contributions"

(2)A Bank, when intending to obtain an approval, pursuant to the provisions of Article 13, proviso of paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2), second sentence of that Article, for the Bank and its subsidiary companies, etc. or its subsidiary company, etc. to extend credit or make a contribution to a single person that exceeds the consolidated limit on credit and contributions as prescribed in the (2) If a bank intends to obtain an approval under Article 13, proviso of paragraph (1) of the Act as applied mutatis mutandis pursuant to second sentence of paragraph (2) of that Article, for either the bank and its subsidiary companies, etc. or just its subsidiary company, etc. to extend credit or make a contribution to a single person that exceeds the consolidated limit on credit and contributions as prescribed in the first sentence of paragraph (2) of that Article, the bank must attach the documents as set forth in each item of Article 14-3, paragraph (3) to a written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.

Article 14-7(1)A person as specified by Cabinet Office Order that is provided for in Article 4-2, paragraph (2) of the Order means a corporation, etc. (which means a corporation, etc. as prescribed in that paragraph; hereinafter the same applies in this Article) as set forth in the following items; provided, however, that this does not apply when it found to be clear, from the relevant financial, operational, or business relationships, that the person does not control the decision-making organization (which means a decision-making organization as prescribed in that paragraph; hereinafter the same applies in this paragraph) of the second corporation, etc.:

(2)The person specified by Cabinet Office Order that is provided for in Article 4-2, paragraph (3) of the Order means one as set forth in one of the following items; provided, however, that this does not apply if it is found to be clear, from the relevant financial, operational, or business relationships that a first corporation, etc. (inclusive of its subsidiary corporations, etc.) is unable to materially influence the financial and operational or business policy decisions of a second corporation, etc. not constituting its subsidiary corporation, etc.:

(3)Notwithstanding the provisions of paragraph (1), the person specified by Cabinet Office Order that is provided for in Article 4-2, paragraph (2) of the Order in connection with a person that prepares consolidated financial statements pursuant to the provisions of the Regulation on Consolidated Financial Statements instead of following the business accounting standards that are generally accepted as fair and appropriate prescribed in Article 1, paragraph (1) of the Regulation on Consolidated Financial Statements (hereinafter referred to as a "corporation, etc. subject to special business accounting standards, etc.") means a corporation, etc. that is treated under the business accounting standards adopted thereby in the same manner as the corporation, etc. set forth in the items of paragraph (1).

(4)Notwithstanding the provisions of paragraph (2), the person specified by Cabinet Office Order that is provided for in Article 4-2, paragraph (3) of the Order in connection with a corporation, etc. subject to special business accounting standards, etc. means a corporation, etc. that is treated under the business accounting standards adopted thereby in the same manner as the corporation, etc. set forth in the items of paragraph (2).

(5)If a special purpose company (which means a specified purpose company as prescribed in Article 2, paragraph (3) of the Act on Securitization of Assets (Act No. 105 of 1998) and a business entity that carries out a business similar to the specified purpose company for which a change of content of business is restricted; hereinafter the same applies in this paragraph) is incorporated with a purpose to provide a profit generated from an asset accepted at a proper value for an owner (including a creditor pertaining to specified borrowing as prescribed in paragraph (12) of that Article) of securities issued by the special purpose company, and the business of the special purpose company is carried out appropriately in accordance with that purpose, the special purpose company is deemed to be independent from a corporation, etc. (hereinafter referred to as the "transferor corporation, etc." in this paragraph) that transferred its assets to the special purpose company, and, notwithstanding the provisions of paragraph (1), is presumed not to correspond to a subsidiary corporation, etc. of the transferor corporation, etc.

Article 14-8(1)The compelling reason as specified by Cabinet Office Order that is provided for in the proviso of Article 13-2 of the Act means one of the following reasons:

(2)The requirements specified by Cabinet Office Order that is provided for in the proviso to Article 13-2 of the Act is that all of the following requirements be met in connection with transactions and activities undertaken between the relevant bank and a subsidiary company (limited to a bank other than the relevant bank) of the bank holding company (limited to one that is not itself a subsidiary company of another bank or bank holding company) that has the relevant bank as its subsidiary company, which puts the bank at a disadvantage in light of the ordinary conditions of its transactions (hereinafter referred to as a "specified transaction, etc." in this paragraph):

Article 14-9(1)When a bank intends to obtain an approval with regard to the existence of compelling reasons pursuant to the provisions of the proviso of Article 13-2 of the Act, it must attach a written statement of reasons and other documents giving particulars found to be necessary by the Commissioner of the Financial Services Agency to the written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.

(2)When an application for approval under the provisions of the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the bank that filled the application has a compelling reason as set forth in paragraph (1) of the preceding Article for carrying out transactions or actions as set forth in each item of Article 13-2 of the Act.

Article 14-9-2(1)If a bank intends to obtain an approval with regard to the satisfaction of the requirement under the proviso to Article 13-2 of the Act, it must attach the following documents to a written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.:

(2)When an application for approval under the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the bank that filed the application satisfies all of the requirements set forth in Article 14-8, paragraph (2).

Article 14-10The transaction specified by Cabinet Office Order that is provided for in Article 13-2, item (i) of the Act means a transaction that the bank effects under conditions that are disadvantageous to the bank in comparison to the conditions of a transaction that would be established if it effected a transaction of the same type and the same volume under the same circumstances as the transaction in question with a person that does not constitute its specified related party but that is found to be the same in terms of the type, scope, creditworthiness, and other aspects of the business in which it engages.

Article 14-11The transaction or activity specified by Cabinet Office Order that is provided for in Article 13-2, item (ii) of the Act means those specified in the following items:

Article 14-11-2The conduct specified by Cabinet Office Order as being unlikely to result in insufficient customer protection that is provided for in Article 13-3, item (iii) of the Act means conduct that does not constitute a bank's wrongfully extending or promising to extend credit on the condition that a customer effect a transaction.

Article 14-11-3The conduct specified by Cabinet Office Order that is provided for in Article 13-3, item (iv) of the Act means:

Article 14-11-3-2The services specified by Cabinet Office Order that are provided for in Article 13-3-2, paragraph (1) of the Act means services that it is permissible for a bank to perform (hereinafter referred to as "bank-related services").

Article 14-11-3-3(1)A bank must take the following measures, in connection with transactions conducted by the bank, bank agent having the bank as its principal bank, or a parent financial institution, etc. (which means a parent financial institution, etc. as prescribed in Article 13-3-2, paragraph (2) of the Act; the same applies hereinafter in this Article) or subsidiary financial institution, etc. (which means a subsidiary financial institution, etc. as prescribed in paragraph (3) of that Article; the same applies hereinafter in this Article) of the bank, to prevent the customers' interests pertaining to bank-related services conducted by the bank, a bank agent having the bank as its principal bank, or a subsidiary financial institution, etc. of the bank from being wrongfully harmed:

(2)The record prescribed in item (iv) of the preceding paragraph must be kept on file for five years from the date of creation.

(3)The term "subject transactions" in paragraph (1) means such transactions, when the interests of the customer pertaining to bank-related services conducted by a bank, a bank agent having the bank as its principal bank, or a subsidiary financial institution, etc. of the bank may be wrongfully harmed in connection with transactions conducted by the bank, the bank agent having the bank as its principal bank, or the parent financial institution, etc. or subsidiary financial institution, etc. of the bank.

Article 14-11-4The deposits, etc. specified by Cabinet Office Order that are provided for in Article 13-4 of the Act are any of the following:

Article 14-11-5What is specified by Cabinet Office Order as provided in Article 34 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, means a specified deposit, etc. contract (which means a specified deposit, etc. contract, as prescribed in Article 13-4 of the Act; the same applies hereinafter).

Article 14-11-6Deleted

Article 14-11-7The particulars specified by Cabinet Office Order as provided in Article 34-2, paragraph (3), item (iv) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act means an indication that the applicant (which means the applicant prescribed in that paragraph) is to be treated as a customer other than a professional investor (which means a professional investor prescribed in Article 2, paragraph (31) of the Financial Instruments and Exchange Act; the same applies hereinafter) with regard to the subject contract (which means a subject contract prescribed in Article 34-2, paragraph (2) of that Act; the same applies in Article 14-11-9-2) only by a bank that accepted the application under that paragraph.

Article 14-11-8(1)The means that is specified by Cabinet Office Order as provided in Article 34-2, paragraph (4) of the Financial Instruments and Exchange Act (including cases in which it is applied mutatis mutandis pursuant to Article 34-3, paragraph (12) (including cases in which it is applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act); Article 34-4, paragraph (3); Article 37-3, paragraph (2); or Article 37-4, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act; hereinafter the same applies in this Article), as applied mutatis mutandis pursuant to Article 13-4 of the Act, is one of the following:

(2)The means set forth in each item of the preceding paragraph must conform to the following standards:

(3)The term "electronic data processing system" as used in paragraph (1), item (i) means an electronic data processing system that uses a telecommunications line to connect the computer used by the bank and the computer on which the customer file has been prepared that is used by the customer, etc., or the bank.

Article 14-11-9The type and substance of the means that the bank is required to indicate pursuant to the provisions of Article 4-3, paragraph (1) and Article 4-4, paragraph (1) of the Order means the following particulars:

Article 14-11-9-2The particulars specified by Cabinet Office Order that are provided for in Article 34-2, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following particulars:

Article 14-11-9-3(1)The means specified by Cabinet Office Order that is provided for in Article 34-2, paragraph (12) of the Financial Instruments and Exchange Act (including as applied mutatis mutandis pursuant to Article 34-3, paragraph (3) of the Financial Instruments and Exchange Act (including as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act), as applied mutatis mutandis pursuant to Article 13-4 of the Act; hereinafter the same applies in this Article), as applied mutatis mutandis pursuant to Article 13-4 of the Act, means:

(2)The means set forth in each item of the preceding paragraph must enable a bank to prepare a document by outputting what has been recorded in the file.

(3)The term "electronic data processing system" as used in paragraph (1), item (i) means an electronic data processing system that uses a telecommunications line to connect the computer used by the bank and the computer used by the customer.

Article 14-11-10(1)The case specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act means the case in which a bank specifies a certain date and publicly discloses the following particulars by posting in a place that facilitates public viewing in a business office of that bank or by another appropriate method:

(2)The date specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, is a date that is specified by a bank pursuant to the provisions of the preceding paragraph and that is the last date within one year from the approval date (which means the approval date prescribed in Article 34-3, paragraph (2), item (i) of the Financial Instruments and Exchange Act; the same applies in paragraph (2), item (iii) of the following Article and Article 14-11-12) .

Article 14-11-11(1)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (iv), (a) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are that the provisions set forth in each item of Article 45 (excluding item (iii) and item (iv)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act do not apply if an applicant (which means an applicant as prescribed in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act; the same applies in the following paragraph) in a subject contract (which means a subject contract as prescribed in Article 45, item (ii) of the Financial Instruments and Exchange Act; this applies in the following paragraph and Article 14-11-12-2) is a person as prescribed in each of those items of Article 45 of the Financial Instruments and Exchange Act (excluding cases as prescribed in the proviso of Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act).

(2)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following particulars:

Article 14-11-12(1)The period specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, is 11 months (or, the period prescribed in the following items in the cases set forth in the those respective items).

(2)In applying the provisions of the preceding paragraph in the cases prescribed in Article 34-3, paragraph (8) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, the term "approval date" in the items of that paragraph is deemed to be replaced with "the day immediately following the previous end date".

Article 14-11-12-2The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following particulars:

Article 14-11-13(1)The excluded individuals specified by Cabinet Office Order who are provided for in Article 34-4, paragraph (1), item (i) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, means one meeting any of the following requirements:

(2)The individual specified by Cabinet Office Order who is provided for in Article 34-4, paragraph (1), item (i) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, means one of the following persons:

Article 14-11-14The requirement specified by Cabinet Office Order that is provided for in Article 34-4, paragraph (1), item (ii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, is that all of the following requirements be met:

Article 14-11-15(1)The case specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, means the case in which a bank specifies a certain date and publicly discloses the following particulars by posting in a place that facilitates public viewing in a business office of that bank or by another appropriate method:

(2)The date specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, means the latest of the dates specified by a bank pursuant to the provisions of the preceding paragraph that is within one year from the approval date.

Article 14-11-16(1)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (iv), (a) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, mean an indication that the provisions set forth in each item of Article 45 (excluding item (iii) and item (iv)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, do not apply when an applicant in the subject contract (which means a subject contract as prescribed in item (ii) of Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act; the same applies in the following paragraph and Article 14-11-16-3) is a person specified in those items of Article 45 of the Financial Instruments and Exchange Act (excluding cases as prescribed in the proviso of Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act).

(2)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following particulars:

Article 14-11-16-2(1)The period specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, is 11 months (or, the periods prescribed in the following items in the cases set forth in those respective items).

(2)In applying the provisions of the preceding paragraph in the cases prescribed in Article 34-3, paragraph (8) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, the term "approval date" in that paragraph is deemed to be replaced with "the day immediately following the previous end date".

Article 14-11-16-3The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following particulars:

Article 14-11-17The acts specified by Cabinet Office Order that are provided for in each paragraph of Article 37 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, means providing information with the same content to many persons by postal mail, correspondence (which means correspondence as prescribed in Article 2, paragraph (2) of the Act on Letter service by Private Business operators (Act No. 99 of 2002) provided by a general letter service business operator as prescribed in paragraph (6) of that Article or a specified letter service business operator as prescribed in paragraph (9) of that Article; the same applies in Article 34-2-17 and Article 34-53-2), or using a facsimile device, by electronic mail (which means electronic mail as prescribed in Article 2, item (i) of the Act on Regulation of Transmission of Specified Electronic Mail (Act No. 26 of 2002); the same applies in Article 34-2-17 and Article 34-53-2), by distributing fliers or pamphlets, or by other means (excluding the following means):

Article 14-11-18(1)If a bank runs an advertisement or performs an act as prescribed in the preceding Article with regard to the substance of its services in conclusion of specified deposit, etc. contracts (which is referred to as an "advertisement, etc." in the following paragraph), the particulars set forth in each item of Article 37, paragraph (1) (excluding item (ii)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, must be indicated clearly and properly.

(2)If a bank runs an advertisement, etc. about the substance of its services in the conclusion of specified deposit, etc. contracts, any characters or numerals that convey the information set forth in Article 4-5, paragraph (1), item (ii) of the Order are to be shown in a size that is not significantly different from the largest size used to show characters and numerals that convey information other than the information in question.

(3)If a bank runs an advertisement about the substance of its services in the conclusion of specified deposit, etc. contracts, by causing something to be broadcast using the broadcasting equipment of a basic broadcaster (meaning a basic broadcaster as prescribed in Article 2, item (xxiii) of the Broadcast Act (Act No. 132 of 1950), and excluding the Nippon Hoso Kyokai and the Open University of Japan Foundation (meaning the Open University of Japan Foundation prescribed in Article 3 of the Act on the Open University of Japan (Act No. 156 of 2002)); the same applies hereinafter), or by a method set forth in any of the items of Article 14-11-21, paragraph (1) (excluding a broadcasting method by voice), notwithstanding the provisions of the preceding paragraph, any characters or numerals that convey the information set forth in Article 4-5, paragraph (2), item (i) of the Order are to be shown in a size that is not significantly different from the largest size used to show characters and numerals that convey information other than the information in question.

Article 14-11-19The particulars specified by Cabinet Office Order that are provided for in Article 4-5, paragraph (1), item (i) of the Order, are a breakdown of the amounts by category of compensation that a customer is to pay in connection with a specified deposit, etc. contract, regardless of whether this is referred to as a fee, consideration, charge, or any other term (hereinafter referred to as a "fee, etc.") or their maximum limits, or an overview of the way these are calculated (including the percentage of fee, etc. as compared to the principal amount pertaining to the specified deposit, etc. contract) and a breakdown of the total of those amounts or maximum limits, or an overview of the way these are calculated; provided, however, that if these cannot be given, this means an indication of this and the reasons therefor.

Article 14-11-20The particulars specified by Cabinet Office Order that are provided for in Article 4-5, paragraph (1), item (iii) of the Order means the following particulars:

Article 14-11-21(1)The means specified by Cabinet Office Order that is provided for in Article 4-5, paragraph (2) of the Order are:

(2)The particulars specified by Cabinet Office Order that are provided for in Article 4-5, paragraph (2), item (ii) of the Order are the particulars set forth in Article 14-11-17, item (iii), (d).

Article 14-11-22The particulars specified by Cabinet Office Order that are provided for in Article 37, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following particulars:

Article 14-11-23(1)In a document to be delivered prior to the conclusion of a contract, the particulars set forth in each item of Article 37-3, paragraph (1) (excluding item (ii) and item (vi)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, must be entered clearly and properly by using characters and numerals of the size of eight points or larger as defined in Japanese Industrial Standard Z 8305 based on the Industrial Standardization Act (Act No. 185 of 1949) (hereinafter referred to as "Japanese Industrial Standard").

(2)Notwithstanding the provisions of the preceding paragraph, in a document to be delivered prior to the conclusion of a contract, the following particulars are to be entered clearly and properly in lines by using printed characters and numerals of the size of 12 points or larger as defined in Japanese Industrial Standard Z 8305, and are to be entered following the particulars prescribed in the following paragraph:

(3)In a document to be delivered prior to the conclusion of a contract, a bank is to enter those of the particulars set forth in Article 14-11-27, paragraph (1), item (i) and each item of Article 37-3, paragraph (1) (excluding item (ii) and item (vi)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act that are of particular materiality in their impact on customers' judgment in plain language, using printed characters and numerals of size 12 points or larger as defined in Japanese Industrial Standard Z 8305 at the beginning of the document.

Article 14-11-24The provision of information as prescribed in Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, is to be implemented by the delivery of a document to be delivered prior to the conclusion of a contract.

Article 14-11-25(1)The case specified by Cabinet Office Order that is provided for in Article 37-3, proviso of paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act means:

(2)The provisions of Article 34-2, paragraph (4) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act; the provisions of Article 4-3 of the Order; and the provisions of Article 14-11-8 apply mutatis mutandis to delivery of a document of foreign currency deposit, etc., under item (i) of the preceding paragraph and delivery of a contract change document under item (iii), (b) of that paragraph.

(3)If the bank concludes a specified deposit, etc. contract in relation to a foreign currency deposit, etc. within one year from the date when the bank has delivered a document of foreign currency deposit, etc. (including the date when the bank is deemed to have delivered a document of foreign currency deposit, etc. pursuant to the provisions of this paragraph) (limited to the cases in which the customer has declared the intention not to require delivery of a document to be delivered prior to the conclusion of a contract), the bank is deemed to deliver that document of foreign currency deposit, etc. on the date of the conclusion of the specified deposit, etc. contract, and the provisions of paragraph (1), item (i) apply.

(4)If the bank concludes a specified deposit, etc. contract having the same content as another specified deposit, etc. contract in relation to a document delivered prior to the conclusion of a contract within one year from the date when the bank has delivered that document (this date includes; the date of the conclusion of a specified deposit, etc. contract if the bank does not deliver a document to be delivered prior to the conclusion of a contract with regard to that specified deposit, etc. contract, pursuant to the provisions of paragraph (1), item (i); and the date when the bank is deemed to have delivered a document to be delivered prior to the conclusion of a contract pursuant to the provisions of this paragraph), the bank is deemed to deliver that document on the date of the conclusion of that contract having the same content as the other contract, and the provisions of paragraph (1), item (ii) apply.

Article 14-11-26The particulars specified by Cabinet Office Order that are provided for in Article 37-3, paragraph (1), item (iv) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the amounts by category of fee, etc. that the customer is to pay for a specified deposit, etc. contract, regardless of whether this is referred to as a fee, consideration, charge, or any other term, or their maximum limits, or the way these are calculated (including the percentage of fee, etc. as compared to the principal amount in relation to the specified deposit, etc. contract; hereinafter the same applies in this Article), and the total of those amounts or maximum limits, or the way these are calculated; provided, however, that when these cannot be given, this means an indication of this and the reasons therefor.

Article 14-11-27(1)The particulars specified by Cabinet Office Order that are provided for in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following particulars:

(2)Notwithstanding the provisions of the preceding paragraph, a bank is not required to enter particulars set forth in each item of that paragraph in the document to be delivered prior to the conclusion of a contract, if the bank or its bank agent must deliver a document under Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 and Article 52-45-2 of the Act to a customer, pursuant to that paragraph with regard to conclusion of a single specified deposit, etc. contract, and the bank agent carries out the delivery of the document.

Article 14-11-28(1)The following matters must be entered in a document which is prescribed in Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act (this document is referred to as a "document to be delivered upon the conclusion of a contract" in the following paragraph and the following Article) and is to be prepared when a specified deposit, etc. contract is effected:

(2)Notwithstanding the provisions of the preceding paragraph, the bank is not required to enter particulars set forth in items (ii) through (vii) of that paragraph in the document delivered upon the conclusion of a contract, if the bank or its bank agent must deliver a document under Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 and Article 52-45-2 of the Act to a customer, pursuant to that paragraph with regard to conclusion of a single specified deposit, etc. contract, and the bank agent carries out the delivery of the document.

Article 14-11-29(1)The case specified by Cabinet Office Order that is provided for in Article 37-4, proviso of paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act regarding a document to be delivered upon the conclusion of a contract means:

(2)The provisions of Article 34-2, paragraph (4) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act; and the provisions of Article 4-3 of the Order; and the provisions of Article 14-11-8 of the Order, apply mutatis mutandis to delivery of documents pursuant to the provisions of item (iii), (b) of the preceding paragraph.

(3)If the bank concludes a specified deposit, etc. contract in relation to a foreign currency deposit, etc. within one year from the date when the bank has delivered a document of foreign currency deposit, etc. (including the date when the bank is deemed to have delivered a document of foreign currency deposit, etc. pursuant to the provisions of this paragraph) (limited to the cases in which the customer declared the intention not to require delivery of a document to be delivered upon the conclusion of a Contract), the bank is deemed to deliver that document of foreign currency deposit, etc. on the date of the conclusion of the specified deposit, etc. contract, and the provisions of paragraph (1), item (i) apply.

(4)If he bank concludes a specified deposit, etc. contract having the same content as another specified deposit, etc. contract in relation to a document to be delivered upon the conclusion of a contract within one year from the date when the bank has delivered that document (this date includes: the date of the conclusion of a specified deposit, etc. contract if the bank does not deliver a document to be delivered upon the conclusion of a contract with regard to that specified deposit, etc. contract, pursuant to the provisions of paragraph (1), item (i); and the date when the bank is deemed to have delivered a document to be delivered upon the conclusion of a contract pursuant to the provisions of this paragraph), the bank is deemed to deliver that document on the date of the conclusion of that contract having the same content as the other contract, and the provisions of paragraph (1), item (ii) apply.

Article 14-11-30(1)The particulars specified by Cabinet Office Order as the significance of registration in Article 66-27 of the Financial Instruments and Exchange Act and other particulars, that are provided for in Article 38, item (iii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are those set forth in the following:

(2)Notwithstanding the provisions of the preceding paragraph, the particulars specified by Cabinet Office Order as significance of registration under Article 66-27 of the Act and other particulars, that are provided for in Article 38, item (iii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, with regard to credit ratings given by a specified associated corporation (meaning specified associated corporation prescribed in Article 116-3, paragraph (2) of the Cabinet Office Order on Financial Instruments Business; the same applies in this paragraph, Article 34-2-30, paragraph (2) and Article 34-53-17, paragraph (2)) are the following:

Article 14-11-30-2The acts specified by Cabinet Office Order that are provided for in Article 38, item (viii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, are the following acts:

Article 14-11-31The case specified by Cabinet Office Order that is provided for in the proviso of Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, with regard to application of provisions of Article 37-4 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 13-4 of the Act, is if a system for responding immediately to an inquiry concerning a specified deposit, etc. contract that a customer concluded has not been developed.

Article 14-12A company uniquely related to a bank as specified by Cabinet Office Order as provided in Article 14-2, item (ii) of the Act means:

Article 15(1)When a bank intends to obtain an approval for the non-business days under Article 5, paragraph (2), item (ii) of the Order, the bank must attach the following documents to a written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.:

(2)When an application for approval under the provisions of the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether it conforms to the following standards:

(3)If a foreign bank branch files an application for approval under Article 32, paragraph (2) by submitting a written application including the state to the effect that a day other than those as set forth in each item of Article 5, paragraph (1) and paragraph (2), item (i) of the Order (which are referred to as a "designated non-business day" in the following paragraph) be a non-business day on its business office that does not carry out current deposit service, the Commissioner of the Financial Services Agency, etc. is to examine whether the day conforms to the standards as set forth in each item of the preceding paragraph, in addition to examinations as prescribed in paragraph (3) of that Article,.

(4)If a bank obtains an authorization as prescribed in Article 47-3 of the Act based on a written application as specified in the preceding paragraph, with regard to determining a day other than a designated non-business day as a non-business day holiday on a business office as prescribed in the preceding paragraph, the bank is deemed to be approved as prescribed in Article 5, paragraph (2), item (ii) of the Order.

Article 16(1)Business hours of a bank are 9:00 a.m. to 3:00 p.m.

(2)Business hours as prescribed in the preceding paragraph may be lengthened due to the convenience of business.

(3)A bank may change business hours with regard to its business office, if that business office corresponds to all of the following (excluding cases corresponding to the preceding paragraph):

(4)If a bank changes business hours pursuant to the provisions of the preceding paragraph, it must display the following particulars in front of the relevant business office:

(5)Notwithstanding the provisions of each item of the preceding paragraph, business hours of a of a bank's business office located in a foreign state are the times to be approved pursuant to laws and regulations of the location of the business office.

Article 17(1)If a bank intends to file a notification to the effect that the bank suspends all or part of its business, or resumes all or part of it, pursuant to the provisions of Article 16, paragraph (1) of the Act, the bank must attach the following documents to the written notice and submit them to the Commissioner of the Financial Services Agency, etc.:

(2)The case specified by Cabinet Office Order that is provided for in Article 16, paragraph (1) of the Act means:

(3)If a bank posts a notification pursuant to the provisions of Article 16, paragraph (1) of the Act, the bank must have that notification posted in front of the business office corresponding to the categories as set forth in each item of the following until the day specified in each the item:

(4)The case specified by Cabinet Office Order that is provided for in Article 16, paragraph (2) of the Act means any of the following cases:

(5)The case specified by Cabinet Office Order that is provided for in Article 16, paragraph (3) of the Act means any of the following cases:

Article 17-2(1)The services specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (1), item (iii) of the Act means the following, apart from the services through which the relevant person performs the actions set forth in Article 35, paragraph (1), items (i) through (x) and (xiii) of the Financial Instruments and Exchange Act and the business as set forth in paragraph (2), items (i) through (iii) of that Article:

(2)The services specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (1), item (iii) of the Act means the following services, apart from services through which the relevant person performs the actions set forth in Article 35, paragraph (1), items (i) through (x) and item (xiii) of the Financial Instruments and Exchange Act and services set forth in paragraph (2), items (i) through (iii) of that Article (limited to, with regard to the services set forth in item (i) of that paragraph, the services set forth in Article 13-2-3, paragraph (1), item (i) and item (iii) (limited to the part pertaining to item (i) of that paragraph) and the services through which it accept the consignment of a transaction on a commodity market, etc. as prescribed in Article 2, paragraph (21) of the Commodity Derivatives Act; and limited to, with regard to the business set forth in Article 35, paragraph (2), item (ii) of the Financial Instruments and Exchange Act, the business set forth in Article 13-2-3, paragraph (1), item (i) and item (iii) (limited to the part pertaining to item (i) of that paragraph)):

(3)The services specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (1), item (iv) of the Act means any of the following services, apart from services through which the relevant person performs the actions set forth in Article 35, paragraph (1), item (x) and item (xiii) of the Financial Instruments and Exchange Act and services as set forth in paragraph (2), items (i) through (iii) of that Article:

(4)The entity specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xi) of the Act means:

(5)The meanings of the terms "bank, etc.", "group of banks, etc.", and "group of long-term credit bank holding companies of a long-term credit bank" as prescribed in item (iv) of the preceding paragraph are as prescribed respectively in the following:

(6)The company specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xii) and Article 16-3, paragraph (7) of the Act means a company falling under one of the following items, other than one that is an issuer of shares listed on a financial instruments exchange or shares registered in a registry of over-the-counter traded securities as prescribed in Article 67-11, paragraph (1) of the Financial Instruments and Exchange Act:

(7)The company specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xii)-2 of the Act means a company falling under one of the following items, other than one that is an issuer of shares listed on a financial instruments exchange or shares registered in a registry of over-the-counter traded securities referred to in Article 67-11, paragraph (1) of the Financial Instruments and Exchange Act:

(8)The requirements specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (1), item (xii)-2 of the Act are the requirements specified in the following items in accordance with the categories of cases set forth in those items:

(9)In addition to a company as prescribed in paragraph (6), a company that constituted a company as prescribed in paragraph (6) at the time that its voting rights were acquired by a bank or its subsidiary company (including a company that is to become a subsidiary company; hereinafter the same applies in this paragraph) due to a cause other than the acquisition of shares, etc. through the exercise of a security right or a cause as set forth in Article 17-4, paragraph (1), item (i) (if the voting rights in the company are acquired by the bank or its subsidiary company on two or more occasions: on the latest occasion of the acquisition due to causes other than the acquisition of shares, etc. through the exercise of the security right and the cause set forth in that item) is also treated as constituting a company as specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xii) of the Act in connection with that bank, unless the voting rights are newly acquired by the bank or its subsidiary company due to a cause other than the acquisition of shares, etc. through the exercise of a security right or the cause set forth in Article 17-4, paragraph (1), item (i).

(10)The provisions of the preceding paragraph apply mutatis mutandis to a company that constituted to a company prescribed in paragraph (7).In this case, the phrase "Article 16-2, paragraph (1), item (xii)" in the preceding paragraph is deemed to be replaced with "Article 16-2, paragraph (1), item (xii)-2."

(11)Notwithstanding the provisions of paragraph (6) through the preceding paragraph (excluding paragraph (8)), if a specified subsidiary company (meaning a company prescribed in paragraph (13); hereinafter the same applies in this paragraph, the following paragraph, and Article 17-7-3, paragraph (2)) does not dispose of the voting rights acquired thereby in a company prescribed in paragraph (6) or paragraph (9) (hereinafter referred to as a "company cultivating new business field" in this paragraph), or in a company prescribed in paragraph (7) or company that constitutes a company specified by Cabinet Office Order referred to in paragraph (9), as applied mutatis mutandis pursuant to the preceding paragraph following the deemed replacement of terms (hereinafter referred to as a "company in the business revitalization process" in this Chapter and Article 35, paragraph (1), item (xiii)), by the base disposition date (meaning the day on which fifteen years have elapsed from the date of the acquisition of the voting rights in a company cultivating new business field, or the day on which ten years have elapsed from the date of the acquisition of the voting rights in a company in the business revitalization process (if the voting rights are voting rights in a company prescribed in paragraph (7) (limited to one that falls under item (v) or item (vi) of that paragraph), and the period during which the company receives the assistance exceeds ten years from the date of the acquisition of the voting rights: the day on which the assistance ends); hereinafter the same applies in this paragraph), the company cultivating new business field or company in the business revitalization process (hereinafter referred to as a "company cultivating new business field, etc." in this paragraph, Article 17-6, paragraph (1), item (ix), and Article 17-7-3, paragraph (3)) is to be treated as not constituting a company as specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xii) of the Act in connection with that bank in the case of a company cultivating new business field, or a company as specified by Cabinet Office Order that is provided for in item (xii)-2 of that paragraph in connection with that bank in the case of a company in the business revitalization process, respectively, from the day following the base disposition date; provided, however, that this does not apply to the case in which; the number of voting rights in the company cultivating new business field, etc. held by the bank or its subsidiary company falls below the base number of voting rights as of the base disposition date (meaning the number of voting rights obtained by multiplying the number of the voting rights of all shareholders, etc. by five percent, with regard to voting rights in a domestic company (meaning the domestic company prescribed in Article 16-4, paragraph (1) of the Act; the same applies hereinafter in this Chapter and Chapter V) and voting rights in a company in the business revitalization process (limited to one that satisfies the requirements specified in paragraph (8); the same applies in the following paragraph, Article 17-6, paragraph (1), item (ix), Article 17-7-3, paragraph (3), and Article 35, paragraph (1), item (xiii)); and meaning the number of voting rights obtained by multiplying the number of the voting rights of all shareholders, etc. by fifty percent, with regard to voting rights in a foreign company; hereinafter the same applies in this paragraph and the following paragraph) if the disposition is performed; and the specified subsidiary company disposes of a portion of voting rights exceeding the base number of voting rights as of the base disposition date among the voting rights in the company cultivating new business field, etc. held by the bank or its subsidiary company, during the period from the date of the acquisition to the base disposition date.

(12)Notwithstanding the provisions of paragraphs (7) and (10), if a bank or its subsidiary company other than a specified subsidiary company does not dispose of the voting rights acquired thereby in a company in the business revitalization process by the base disposition date (meaning the day on which the period specified in the following items has elapsed from the date of the acquisition of the voting rights in accordance with the categories of voting rights set forth in those items; hereinafter the same applies in this paragraph), the company in the business revitalization process is to be treated as not corresponding to a company specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xii)-2 of the Act in connection with the bank from the day following the base disposition date; provided, however, that this does not apply to the case in which; the number of voting rights in the company in the business revitalization process held by the bank or its subsidiary company other than a specified subsidiary company falls below the base number of voting rights as of the base disposition date, if the disposition is performed; and the bank or its subsidiary company other than a specified subsidiary company disposes of a portion of voting rights exceeding the base number of voting rights as of the base disposition date among the voting rights in the company in the business revitalization process held by the bank or its subsidiary company other than a specified subsidiary company, during the period from the date of the acquisition to the base disposition date:

(13)The company specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xii) of the Act means a company that only performs business as set forth in paragraph (2), item (xii) of the following Article and business incidental to this.

(14)A holding company as specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (1), item (xiii) of the Act means one as follows; provided, however, that if the relevant holding company performs business as set forth in each item of paragraph (1) of the following Article, it must perform that business, based on the standards specified by the Commissioner of the Financial Services Agency, for the benefit of the business performed mainly by a bank, its subsidiary company, or a person as set forth in each item of paragraph (4):

(15)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to voting rights as prescribed in paragraph (8), paragraph (9) (including as applied mutatis mutandis pursuant to paragraph (10) following the deemed replacement of terms), paragraph (11) and paragraph (12).

Article 17-3(1)The services specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (i) of the Act means:

(2)The services specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (ii) of the Act means:

(3)The services specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (iii) of the Act means:

(4)The services specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (iv) of the Act means:

(5)The services as specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (v) of the Act means:

(6)The companies as specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (vi), (c) of the Act means a holding company as prescribed in paragraph (1), item (xiii) of that Article in which a company specialized in securities or a company specialized in securities intermediation that is a subsidiary company of the relevant bank holds voting rights exceeding fifty percent of voting rights of all shareholders, etc.

(7)The companies as specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (vii), (c) of the Act means a holding company as prescribed in paragraph (1), item (xiii) of that Article in which an insurance company or a small amount and short-term insurance company that is a subsidiary company of the relevant bank holds voting rights exceeding fifty percent of voting rights of all shareholders, etc.

(8)The companies as specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (2), item (viii), (d) of the Act means a holding company as prescribed in paragraph (1), item (xiii) of that Article in which a trust bank or a company specialized in trust business that is a subsidiary company of the relevant bank holds voting rights exceeding fifty percent of voting rights of all shareholders, etc.

(9)The provisions in Article 1-6, paragraph (3) apply mutatis mutandis to the voting rights held by the persons prescribed in these provisions in a case referred to in one of the preceding three paragraphs.In this case, the phrase "Article 147, paragraph (1) or Article 148, paragraph (1) (including as applied mutatis mutandis pursuant to Article 228, paragraph (1), Article 235, paragraph (1), Article 239, paragraph (1), and Article 276 (limited to the part pertaining to item (ii) of the Act))" in paragraph (3) of that Article, and the term "shares or contribution" in that paragraph are deemed to be replaced with "Article 147, paragraph (1) or Article 148, paragraph (1)" and "shares", respectively.

Article 17-4(1)The cause specified by Cabinet Office Order that is provided for in the main clause of Article 16-2, paragraph (3) of the Act means one of the following causes:

(2)The cause specified by Cabinet Office Order that is provided for in the proviso to Article 16-2, paragraph (3) of the Act means the cause set forth in item (vii) of the preceding paragraph.

(3)The cause specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (8) of the Act means the acquisition of shares, etc. by a bank or its subsidiary company through the exercise of a security right or any of the causes as set forth in paragraph (1), items (i) through (vi).

Article 17-4-2The company as specified by Cabinet Office Order that is provided for in Article 16-2, paragraph (7) of the Act means a company exclusively engaged in the following services:

Article 17-5(1)If a bank intends to obtain an authorization to make its subsidiary company out of a bank, etc. eligible to be a subsidiary company (meaning a bank, etc. eligible to be a subsidiary company as prescribed in Article 16-2, paragraph (7) of the Act, and excluding a company set forth in paragraph (1), item (xii)-3 of that Article (hereinafter referred to as an "advanced banking service company" in this Chapter, Chapter V, and Article 35, paragraph (1), item (xii)); hereinafter the same applies in this Article), it must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency:

(2)When an application of authorization pursuant to the provisions of the preceding paragraph is filed, the Commissioner of the Financial Services Agency is to examine whether it conforms to the following standards:

(3)If a bank intends to obtain an approval under Article 16-2, paragraph (5) of the Act for continuing to have a foreign company that does not constitute a company eligible to be a subsidiary company (meaning a company eligible to be a subsidiary company as prescribed in paragraph (1) of that Article; hereinafter the same applies in this paragraph ) as its subsidiary company, it must attach the following documents to the written application for approval and submit them to the Commissioner of the Financial Services Agency:

(4)The provisions of the paragraph (1) and the paragraph (2) apply mutatis mutandis to the authorization under the proviso to Article 16-2, paragraph (8) of the Act (excluding the authorization to continue to hold more than the maximum threshold for voting rights in respect to the voting rights in an advanced banking service company which they have acquired or come to hold in excess of that threshold if their voting rights are combined).

(5)The provisions of paragraph (1) apply mutatis mutandis to an authorization pursuant to the provisions of Article 16-2, paragraph (9) of the Act.

(6)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to voting rights as prescribed in paragraph (1), item (v) (including as applied mutatis mutandis pursuant to the preceding two paragraphs), paragraph (3), item (ii), and paragraph (4).

Article 17-5-2(1)If a bank intends to obtain authorization for it or its subsidiary companies to acquire or hold voting rights in an advanced banking service company in excess of the maximum threshold for voting rights if their voting rights are combined, it must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency:

(2)When an application of authorization is filed pursuant to the provisions of the preceding paragraph, the Commissioner of the Financial Services Agency is to examine whether it conforms to the following standards:

(3)The provisions of the preceding two paragraphs apply mutatis mutandis to the authorization under the provisions of the proviso to Article 16-2, paragraph (8) of the Act (limited to the authorization to continue to hold more than the maximum threshold for voting rights in respect to the voting rights in an advanced banking service company which they have acquired or come to hold in excess of that threshold if their voting rights are combined).

(4)The provisions of paragraph (1) apply mutatis mutandis to the authorization under Article 16-2, paragraph (10) of the Act.

(5)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to the voting rights prescribed in paragraph (1) (including as applied mutatis mutandis pursuant to the preceding two paragraphs), paragraph (2), item (iv), item (vi) and item (vii), and paragraph (3).

Article 17-5-3(1)The policy specified by Cabinet Office Order as constituting the policy prescribed in Article 16-3, paragraph (2), item (i) of the Act means:

(2)The systems specified by Cabinet Office Order that are provided for in Article 16-3, paragraph (2), item (iii) of the Act means systems to ensure that the directors, executive officers, members in charge of executing business, persons in charge of performing the duties referred to in Article 598, paragraph (1) of the Companies Act, and other persons equivalent to these persons, and employees, all of whom belong to the companies that belong to the bank group, perform their respective duties in the bank in compliance with laws and regulations.

(3)The activities specified by Cabinet Office Order that are provided for in Article 16-3, paragraph (2), item (iv) of the Act mean formulating a reconstruction plan (meaning a plan for business reconstruction of a bank group that needs to improve the conditions of its business operation or assets; hereinafter the same applies in this paragraph) for the bank group (limited to a bank group designated by the Commissioner of the Financial Services Agency as one that needs to formulate a reconstruction plan), and ensuring the proper implementation thereof.

Article 17-6(1)The cause specified by Cabinet Office Order that is provided for in Article 16-4, paragraph (2) of the Act means:

(2)If the bank or its subsidiary companies intend to obtain an approval as prescribed in item (x) of the preceding paragraph, the bank or its subsidiary companies must attach the following documents to a written application for approval and submit them to the Commissioner of the Financial Services Agency:

(3)When an application for approval under the preceding paragraph is filed, the Commissioner of the Financial Services Agency is to examine whether there are reasonable grounds for the bank filling the application to possess or hold voting rights in excess of the maximum threshold for voting rights held, and whether the policy the bank has submitted concerning the disposition method of a portion of voting rights that it has acquired or held in excess of the maximum threshold for voting rights held is reasonable or not.

Article 17-7(1)If a bank seeks an approval for holding voting rights in excess of the maximum threshold for voting rights held pursuant to the provisions of Article 16-4, proviso of paragraph (2) of the Act, it must attach the following documents to a written application for approval and submit them to the Commissioner of the Financial Services Agency:

(2)When an application for approval under the preceding paragraph is filed, the Commissioner of the Financial Services Agency is to examine whether the bank filling the application or its subsidiary company has what is found to be a compelling reason for holding voting rights in excess of the maximum threshold for voting rights held.

(3)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to voting rights prescribed in paragraph (1), item (iii).

Article 17-7-2(1)The case specified by Cabinet Office Order that is provided for in Article 16-4, paragraph (4), item (i) of the Act means if the relevant bank makes its subsidiary company out of another bank, a long-term credit bank, a company specialized in securities, a company specialized in securities intermediation, an insurance company, or small amount and short-term insurance company after obtaining an approval under Article 16-2, item (vii) of the Act.

(2)The case specified by Cabinet Office Order that is provided for in Article 16-4, paragraph (4), item (v) of the Act means:

(3)The case specified by Cabinet Office Order that is provided for in Article 16-4, paragraph (4), item (vi) of the Act means:

Article 17-7-3(1)The company specified by Cabinet Office Order that is provided for in Article 16-4, paragraph (8) of the Act means a company which has received capital contributions from an entity that falls under either of the following items or a company which prepares a business reconstruction plan with the involvement of regional economy vitalization corporation of Japan (limited to a company that does not constitute a subsidiary company, etc. of a bank; referred to as a "company in the business revitalization process under special provisions" in the following paragraph):

(2)Notwithstanding the provisions of the preceding paragraph, if a specified subsidiary company does not dispose of the voting rights acquired thereby in a company in the business revitalization process under special provisions by the base disposition date (meaning the day on which ten years have elapsed from the day of the acquisition of the voting rights; hereinafter the same applies in this paragraph), the company in the business revitalization process under special provisions is to be treated as not corresponding to a company specified by Cabinet Office Order as prescribed in Article 16-4, paragraph (8) of the Act which pertains to the bank from the day following the base disposition date; provided, however, that this does not apply to a case in which; the number of voting rights in the company in the business revitalization process under special provisions held by the bank or its subsidiary company falls below the base number of voting rights as of the base disposition date, if the disposition is performed (meaning the number of voting rights arrived at when the number of all shareholders', etc. voting rights is multiplied by five percent; hereinafter the same applies in this paragraph); and the specified subsidiary company disposes of a portion of voting rights which exceeds the base number of voting rights as of the base disposition among the voting rights in the company in the business revitalization process under special provisions held by the bank or its subsidiary company, during the period from the date of the acquisition to the base disposition date.

(3)The company uniquely related to the relevant person as specified by Cabinet Office Order that is provided for in Article 16-4, paragraph (8) of the Act means a company which is a subsidiary company, etc. (meaning a subsidiary company, etc. and an affiliated corporation, etc.; the same applies in Article 34-23-2, paragraph (3)) of a company cultivating new business field or company in the business revitalization process, in which the bank or its subsidiary companies not constituting a company cultivating new business field nor company in the business revitalization process do not have the voting rights in excess of the number of voting rights arrived at when the number of all shareholders', etc. voting rights is multiplied by five percent if their voting rights are combined.

(4)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to the voting rights prescribed in the preceding two paragraphs.

Article 17-7-4(1)If a bank pays dividends from surplus, the amount of capital reserve after the payment of dividends from surplus is the amount arrived at when the amount specified in each of the following items for the category of cases as set forth in those items is added to the amount of capital reserve immediately before the payment of dividends from surplus:

(2)If the bank pays dividends from surplus, the amount of retained earnings reserve after the payment of dividends from surplus is the amount arrived at when the amount specified in each of the following items for the category of cases as set forth in those items is added to the amount of retained earnings reserve immediately before the payment of dividends from surplus:

Article 17-7-5If a bank pays a dividend payment from surplus, the amount as set forth in each of the following items after the payment of dividends from surplus is the amount arrived at when the amount as specified in those items is deducted from the amount immediately before the payment of dividends from surplus:

Article 18(1)A bank must prepare an interim business report under Article 19, paragraph (1) of the Act, with regard to the condition of business and assets during the period from the beginning date of a business year to September 30 of that business year, by separating data into an interim summary statement of business, an interim balance sheet, an interim profit and loss statement, an interim statement of changes in net assets, and an interim cash flow statement (or, into an interim summary statement of business, an interim balance sheet, and an interim profit and loss statement in case of a foreign bank branch) pursuant to the appended form 1 (or, pursuant to the appended form 1-2 in case of a bank with specified transaction account; or, pursuant to the appended form 2 in case of a foreign bank branch (or, pursuant to the appended form 2-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), and must submit that report to the Commissioner of the Financial Services Agency, etc. within three months after the close of that period.

(2)A bank must prepare an business report under Article 19, paragraph (1) of the Act by separating data into a summary statement of business, a balance sheet, a profit and loss statement, a statement of changes in net assets, and a cash flow statement (or, into a summary statement of business, a balance sheet, and a profit and loss statement in case of a foreign bank branch) pursuant to the appended form 3 (or, pursuant to the appended form 3-2 in case of a bank with specified transaction account; or, pursuant to the appended form 4 in case of a foreign bank branch, (or, pursuant to the appended form 4-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), and must submit that report to the Commissioner of the Financial Services Agency, etc. within three months after the close of that period.

(3)A bank must prepare an interim business report under Article 19, paragraph (2) of the Act pursuant to the appended form 5, with regard to the condition of business and assets of the bank and its subsidiary company, etc. (which means a subsidiary company, etc., as prescribed in Article 14-2, item (ii) of the Act; hereinafter the same applies in this Chapter, the following Chapter, and Article 35, paragraph (1)) for the period from the beginning date of a business year to September 30 of that business year, by separating data into an interim summary statement of business and an interim consolidated financial statements, and must submit that report to the Commissioner of the Financial Services Agency, etc. within three months after the close of that period.

(4)A bank must prepare a business report under Article 19, paragraph (2) of the Act pursuant to the appended form 5-2 by separating data into a summary of business report and consolidated financial statements, and must submit that report to the Commissioner of the Financial Services Agency, etc. within three months after the close of the period.

(5)If a bank is unable to submit an interim business report or a business report within the period specified in each of the preceding paragraphs due to compelling reasons, the bank may obtain an approval of the Commissioner of the Financial Services Agency (or, an approval of the Director General of the Local Finance Bureau that has jurisdiction over the location of the head office of that bank or an approval of the Director General of the Fukuoka Local Finance Branch Bureau, if the Director General of the Local Finance Bureau (or, the Director General of the Fukuoka Local Finance Branch Bureau if that location is within the jurisdictional district of the Fukuoka Local Finance Branch Bureau) receives those reports pursuant to the provisions of Article 17-2 of the Order), in advance, and may postpone that submission.

(6)If a bank intends to obtain an approval under the preceding paragraph, the bank must attach a written statement of reasons to a written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.

(7)When an application for approval under the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the bank filling the application has what is found to be a compelling reason to postpone the submission as under paragraph (5).

Article 19(1)A bank must prepare an interim balance sheet, etc. which is to be prepared pursuant to the provisions of Article 20, paragraph (1) of the Act (which means an interim balance sheet, etc., as prescribed in that paragraph; and includes an electronic or magnetic record that is prepared pursuant to the provisions of paragraph (3) of that Article (which means an electronic or magnetic record as prescribed in that paragraph; the same applies hereinafter); the same applies in paragraph (6)), pursuant to the appended form 6-1 (or, pursuant to the appended form 6-2-1 in case of a bank with specified transaction account; or, pursuant to the appended form 7-1 in case of a foreign bank branch (or, the appended form 7-2-1 in case of a foreign bank branch that submitted notification of a specified transaction account)); and must prepare a balance sheet, etc. (which means a balance sheet, etc., as prescribed in paragraph (1) of that Article; and includes an electronic or magnetic record prepared pursuant to the provisions of paragraph (3) of that Article; the same applies in paragraph (6)) pursuant to the appended form 6-3-1 (or, pursuant to the appended form 6-4-1 in case of a bank with specified transaction account; or, pursuant to the appended form 7-3-1 in case of a foreign bank branch (or, pursuant to the appended form 7-4-1 in case of a foreign bank branch that submitted notification of a specified transaction account)).

(2)A bank must prepare an interim consolidated balance sheet, etc. which is to be prepared pursuant to the provisions of Article 20, paragraph (2) of the Act (which means the interim consolidated balance sheet, etc., as prescribed in that paragraph and includes an electronic or magnetic record that is prepared pursuant to the provisions of paragraph (3) of that Article; the same applies in paragraph (6)) pursuant to the appended form 8-1, and must prepare a consolidated balance sheet, etc. (which means the consolidated balance sheet, etc., as prescribed in paragraph (2) of that Article, and includes an electronic or magnetic record prepared pursuant to the provisions of paragraph (3) of that Article; the same applies in paragraph (6)) pursuant to the appended form 8-2-1.

(3)The record specified by Cabinet Office Order that is provided for in Article 20, paragraph (3) of the Act means a record of data that has been recorded into a file created using a magnetic disk or other object with an equivalent means of reliably storing fixed sets of data.

(4)If a bank intends to obtain an approval for postponement of public notice under proviso of paragraph (4) of Article 20 of the Act, the bank must attach a written statement of reasons to a written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.

(5)When an application for approval under the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the bank filing the application has what is found to be a compelling reason to postpone the public notice as under the provisions of proviso of paragraph (4) of Article 20 of the Act.

(6)The overview of an interim balance sheet, etc. which is to be provided by public notice by a bank pursuant to the provisions of Article 20, paragraph (5) of the Act is to be as specified in the appended form 6-2 (or, in the appended form 6-2-2 in case of a bank with specified transaction account; or, in the appended form 7-2 in case of a foreign bank branch (or, in the appended form 7-2-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), the overview of the balance sheet, etc. which is to be provided by public notice by a bank pursuant to that paragraph is to be as specified in the appended form 6-3-2 (or, in the appended form 6-4-2 in case of a bank with specified transaction account; or, in the appended form 7-3-2 in case of a foreign bank branch (or, in the appended form 7-4-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), the overview of the interim consolidated balance sheet, etc. which is to be provided by public notice by a bank pursuant to that paragraph is to be as specified in the appended form 8-2, and the overview of the consolidated balance sheet, etc. which is to be provided by public notice by a bank pursuant to that paragraph is to be as specified in the appended form 8-2-2.

(7)The means of employing an electronic data processing system or of applying any other information and communications technology that is specified by Cabinet Office Order as provided in Article 20, paragraph (6) of the Act means one of the following means:

(8)The means set forth in each item of the preceding paragraph must enable the recipient to prepare a document by outputting what has been recorded in the file.

(9)The measures under Article 20, paragraph (6) of the Act are to be taken by a means as set forth in paragraph (7), item (i), (b) that involves using an automatic public transmission server connected to the Internet (meaning an apparatus capable of connecting to a public telecommunications line in order to automatically transmit to the public information recorded on a part of its recording medium that is used for automated public transmissions or information that is input into that apparatus; the same applies hereinafter).

Article 19-2(1)The particulars specified by Cabinet Office Order that are provided for in Article 21, first sentence of paragraph (1) of the Act are the particulars set forth in the following ( excluding the particulars set forth in item (i), (a) through (h), item (ii), item (iii), (b), 11., item (iv) (excluding the part concerning sub-item (c)), item (v), (i), and item (vi) in case of preparing explanatory documents for an interim period of a business year (hereinafter referred to as "interim explanatory documents")); provided, however, that the particulars set forth in item (v), (e) are limited to those concerning a bank that has an overseas business location (meaning the overseas business location prescribed in Article 1, paragraph (3) of the Order Providing for the Categories, etc. Prescribed in Article 26, Paragraph (2) of the Banking Act; the same applies in the proviso to the following Article and the proviso to Article 34-26, paragraph (1)):

(2)Notwithstanding the provisions of the preceding paragraph, the particulars specified by Cabinet Office Order that are provided for in the first sentence of Article 21, paragraph (1) of the Act regarding a foreign bank branch are the following particulars (excluding the particulars set forth in item (i), (a), in case of preparing interim explanatory documents).

(3)In addition to explanatory documents stating the particulars prescribed in the preceding paragraph, a foreign bank branch must keep documents (including those written in any language other than Japanese) giving particulars concerning the condition of business and assets of the company that is a foreign bank to which the foreign bank branch pertains or a holding company that has the foreign bank as its subsidiary company and is incorporated based on foreign laws and regulations (which is referred to as a "foreign bank holding company" in the following paragraph), at the foreign bank branch (excluding an unmanned business office; the same applies in the following paragraph), and must make the documents available for public inspection.

(4)If documents as prescribed in the preceding paragraph are written in a language other than Japanese, in addition to those documents, a foreign bank branch must prepare documents written in Japanese regarding the summary of business pertaining to a foreign bank or a foreign bank holding company to which the foreign bank branch pertains, and regarding its interim balance sheet and its interim profit and loss statement or its balance sheet and its profit and loss statement, must keep them at the foreign bank branch, and must make them available for public inspection.

(5)A business office as specified by Cabinet Office Order that is provided for in Article 21, first sentence of paragraph (1) of the Act is the following business offices:

Article 19-3The particulars specified by Cabinet Office Order that are provided for in Article 21, first sentence of paragraph (2) of the Act are the following particulars (excluding the particulars set forth in item (i), item (iii), (f), and item (iv), in case of preparing interim explanatory documents); provided, however, that the particulars set forth in item (iii), (d) are limited to those concerning a bank that has an overseas business location:

Article 19-4(1)A bank must commence to make available documents (which include documents prescribed in Article 19-2, paragraph (3) and paragraph (4) in case of a foreign bank branch; include an electronic or magnetic record prepared pursuant to Article 20, paragraph (3) of the Act, and Article 21, paragraph (3) of the Act; and are referred to as "documents subject to public inspection" in this paragraph and the following paragraph) prepared pursuant to the provisions of Article 20, paragraph (1) or paragraph (2) of the Act and Article 21, paragraph (1) or paragraph (2) of the Act, for public inspection, within four months after the end of an interim period of a business year and within four months after the end of a business year of the bank (or, within six months after the end of an interim period of a business year and within six months after the end of a business year in case of a foreign bank branch), and must continue to do so until the bank commences to make each of the documents subject to public inspection pertaining to an interim period of the following business year after that interim period of the business year and pertaining to the following business year after that business year available for public inspection.

(2)If a bank is unable to commence to make documents subject to public inspection available for public inspection by the period prescribed in the preceding paragraph due to compelling reasons, the bank may obtain an approval of the Commissioner of the Financial Services Agency in advance (or, that of the Director General of the Local Finance Bureau that has jurisdiction over the location of the head office of a bank(or, the Director General of the Fukuoka Local Finance Branch Bureau, if that location is within the jurisdictional district of the Fukuoka Local Finance Branch Bureau) if that bank is a bank not constituting that which is designated by the Commissioner of the Financial Services Agency) and may postpone the commencement of the public inspection.

(3)If a bank intends to obtain an approval under the preceding paragraph, the bank must attach a written statement of reasons to a written application for approval and submit them to the Commissioner of the Financial Services Agency, etc.

(4)When an application for approval under the provisions of the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the bank filling the application has a compelling reason to postpone commencement of public inspection as under the provisions of paragraph (1).

(5)The measure specified by Cabinet Office Order that is provided for in Article 21, paragraph (4) of the Act (including as applied mutatis mutandis pursuant to paragraph (5) of that Article) means one that is taken to show the information that has been recorded in an electronic or magnetic record on a sheet of paper or to display it on a screen.

Article 19-5A bank must conduct the disclosure of especially material particulars (including the particulars specified separately by the Commissioner of the Financial Services Agency) among information of reference for a depositor as prescribed in Article 21, paragraph (7) of the Act and other customers to learn the condition of business and assets of the bank and its subsidiary company, etc.

Article 20(1)Business reports as prescribed in Article 22 of the Act must be prepared pursuant to item (ix) of the appended form (with regard to a bank with specified transaction account, item (ix)-2 of the appended form).

(2)Annexed detailed statement pursuant to the provisions of Article 22 of the Act must be prepared pursuant to item (x) of the appended form.

Article 21The particulars specified by Cabinet Office Order that are provided for in Article 24, paragraph (2) of the Act are a subsidiary corporation, etc. of the bank (excluding a subsidiary company of the bank).

Article 22(1)A bank, when intending to obtain an authorization for merger pursuant to the provisions of Article 30, paragraph (1) of the Act, must submit a written application for authorization accompanied by the following documents to the Commissioner of the Financial Services Agency:

(2)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to the voting rights prescribed in items (xi)-2 and (xiii) of the preceding paragraph.

Article 22-2(1)A bank, when intending to obtain an authorization for a company split pursuant to the provisions of Article 30, paragraph (2) of the Act, must submit a written application for authorization accompanied by the following documents to the Commissioner of the Financial Services Agency:

(2)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to the voting rights prescribed in item (xi)-2 and (xiv) of the preceding paragraph.

Article 23(1)A bank, when intending to obtain an authorization for a business transfer or acquisition (hereinafter referred to as a "transfer, etc. of business" in this Article) pursuant to the provisions of Article 30, paragraph (3) of the Act, must submit a written application for authorization accompanied by the following documents to the Commissioner of the Financial Services Agency:

(2)The provisions of Article 2, paragraph (11) of the Act apply mutatis mutandis to the voting rights prescribed in item (ix)-2 and (x) of the preceding paragraph.

Article 24A creditor as prescribed in Article 7 of the Order as provided by Cabinet Office Order is the following creditors; provided, however that with regard to a creditor as set forth in items (ii) to (vi), limited to the cases of a company split (limited to the case of a succession of business by the company split) as prescribed in Article 33-2, paragraph (1) of the Act, is resolved:

Article 25A bank, when intending to obtain an authorization for closure, merger, or dissolution of banking pursuant to the provisions of Article 37, paragraph (1) of the Act, must submit a written application for authorization accompanied by following documents to the Commissioner of the Financial Services Agency:

Article 26A bank, when providing public notice or a display pursuant to the provisions of Article 38 of the Act, is to indicate the policies of disposing of deposits, etc. and other transactions pertaining to business as specified by the Commissioner of the Financial Services Agency.

Article 27(1)A person that obtained a license from the Prime Minister as prescribed in Article 4, paragraph (1) of the Act, when intending to obtain an approval pursuant to the provisions of Article 41, item (iv) of the Act, must submit a written application for approval accompanied by a written statement of reasons to the Commissioner of the Financial Services Agency.

(2)When an application for approval under the provisions of the preceding paragraph is filed, the Commissioner of the Financial Services Agency is to examine whether it conforms to the following standards:

Article 28(1)When a foreign bank specifies its principal foreign bank branch (which means a principal foreign bank branch as prescribed in Article 47, paragraph (1) of the Act; the same applies in Article 37, paragraph (3)) based on the provisions of Article 47, paragraph (1) of the Act and intends to obtain a business license pursuant to the provisions of Article 4, paragraph (1) of the Act, the foreign bank must submit a written application for license signed by directors who have the authority of representation of the foreign bank accompanied by the following documents to the Prime Minister via the Commissioner of the Financial Services Agency:

(2)When the Prime Minister implements an examination as prescribed in Article 4, paragraph (2) of the Act pertaining to an application for license referred to in the preceding paragraph, the Prime Minister is to consider the following particulars:

Article 29A foreign bank that intends to obtain a business license pursuant to the provisions of Article 4, paragraph (1) of the Act based on the provisions of Article 47, paragraph (1) of the Act, may submit documents equivalent to those pursuant to the provisions of paragraph (1) of the preceding Article to the Prime Minister via the Commissioner of the Financial Services Agency and request a Preliminary Examination.

Article 29-2The intermediation specified by Cabinet Office Order that is provided for in Article 47, paragraph (3) of the Act means an action that is found to fall under the category of actions as agent or intermediary by a business office in the home state of the relevant foreign bank, if a foreign bank branch and a business office in the home state of the foreign bank to which that foreign bank branch belongs are deemed to be different corporations.

Article 30The person prescribed by Cabinet Office Order that is provided for in Article 11, item (iv) of the Order means any one of the two or more persons that have established a principal business office in a country as prescribed in Article 3, item (ii) (but only if each of those persons hold a number or amount of shares or equity that constitutes over five percent of the issued shares, etc. of a foreign bank) and whose total number or amount of shares or equity constitutes over fifty percent of the issued shares, etc. of a foreign bank.

Article 30-2In order to contribute to the protection of depositors, etc., a foreign bank branch must clearly indicate the following particulars to depositors, etc. with regard to the acceptance of deposits, etc. (excluding the acceptance of specified deposits, etc. as prescribed in Article 13-4 of the Act):

Article 30-3The services specified by Cabinet Office Order that are provided for in Article 13-3-2, paragraph (1) of the Act, as replaced pursuant to the provisions of Article 9 of the Order, means bank services.

Article 30-4(1)A foreign bank branch must, to prevent the customer's interests pertaining to bank-related services conducted by the foreign bank branch, foreign bank to which the foreign bank branch belongs, a bank agent having the foreign bank branch as its principal bank, or subsidiary financial institution, etc. (which means a subsidiary financial institution, etc. as prescribed in Article 13-3-2, paragraph (3) of the Act, as replaced pursuant to Article 9 of the Order; hereinafter the same applies in this Article) of foreign bank to which the foreign bank branch belongs from being wrongfully harmed in connection with transactions conducted by the foreign bank branch, a foreign bank to which the foreign bank branch belongs, bank agent having the foreign bank branch as its principal bank, or a parent financial institution, etc. (which means a parent financial institution, etc., prescribed in Article 13-3-2, paragraph (2) of the Act, as replaced pursuant to the provisions of Article 9 of the Order; the same applies hereinafter in this Article) or a subsidiary financial institution, etc. of the foreign bank to which the foreign bank branch belongs, take the following measures:

(2)The record prescribed in item (iv) of the preceding paragraph must be kept on file for five years from the date of creation.

(3)The term "subject transactions" in paragraph (1), when, in connection with transactions conducted by a foreign bank branch, a foreign bank to which the foreign bank branch belongs, a bank agent having the foreign bank branch as its principal bank, or the parent financial institution, etc. or subsidiary financial institution, etc. of a foreign bank to which the foreign bank branch belongs, the interests of the customer pertaining to bank services conducted by the foreign bank branch, the foreign bank to which the foreign bank branch belongs, the bank agent having the foreign bank branch as its principal bank, or the subsidiary financial institution, etc. of the foreign bank branch to which the foreign bank branch belongs may be wrongfully harmed, means such transactions.

Article 31The loans specified by Cabinet Office Order that are provided for in Article 13, paragraph (1), item (ix) of the Order are the following loans (excluding those for a person uniquely related to a foreign bank branch as prescribed in Article 12-2 of the Order (limited to the persons set forth in items (i) to (v) of that Article)):

Article 32(1)The case specified by Cabinet Office Order that is provided for in Article 47-3 of the Act means:

(2)A foreign bank branch, when intending to obtain an authorization for establishment, change of type, or closure of a secondary foreign bank branch (which means a secondary foreign bank branch as prescribed in Article 47, paragraph (2) of the Act; hereinafter the same applies in this Article) pursuant to the provisions of Article 47-3 of the Act, must submit a written application for authorization accompanied by the following documents to the Commissioner of the Financial Services Agency, etc.:

(3)When an application for authorization to establish or change the type of a secondary foreign bank branch under the provisions of the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether it conforms to the following standards:

(4)When an application for authorization to close a secondary foreign bank branch under the provisions of paragraph (2) is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether it will not cause an extreme effect upon the customers of the secondary foreign bank branch, such as the succession of transactions pertaining to the customers of the business office by another business office of the foreign bank branch which filed the application or another financial institution, without any problems.

Article 33(1)The cases specified by Cabinet Office Order that are provided for in Article 49, paragraph (1), item (vii) of the Act means if there has been a change in the person that holds a number of shares or an amount of equity constituting over fifty percent of its issued shares, etc.

(2)The cases specified by Cabinet Office Order that are provided for in Article 49, paragraph (2), item (i) of the Act means:

(3)The case specified by Cabinet Office Order that is provided for in Article 49, paragraph (2), item (iii) of the Act means:

(4)A foreign bank branch, when intending to submit a notification pursuant to the provisions of Article 49, must submit the written notice accompanied by a written statement of reasons and other documents giving information of reference to the Commissioner of the Financial Services Agency without delay.

Article 34(1)The particulars specified by Cabinet Office Order that are provided for in Article 52, paragraph (1) of the Act are the following particulars:

(2)A foreign bank, when intending to submit a notification pertaining to a liaison office or other facility pursuant to the provisions of Article 52, paragraph (1) of the Act, must submit a written notifies accompanied by the following documents to the Commissioner of the Financial Services Agency:

Article 34-2(1)A bank (excluding a bank that intends to perform foreign bank agency services (foreign bank agency services prescribed in Article 52-2, paragraph (1) of the Act; the same applies hereinafter) having a business office in the home state of a foreign bank to which a foreign bank branch belongs as rincipal foreign bank (principal foreign bank prescribed in that paragraph; the same applies hereinafter)), when intending to obtain authorization pursuant to the provisions of that paragraph, must submit a written application for authorization with the Commissioner of the Financial Services Agency with the following documents (excluding the documents set forth in items (iv) and (vi) if the applicant intends to perform foreign bank agency services by having a foreign bank, other than a foreign bank which is a subsidiary company of a bank and the foreign banks set forth in Article 13-2, paragraph (1), item (i), sub-items (a) to (d), as the principal foreign bank) attached thereto:

(2)A bank that intends to perform foreign bank agency services having a business office in the home state of a foreign bank to which a foreign bank branch belongs as principal foreign bank must, when it intends to obtain authorization pursuant to the provisions of Article 52-2, paragraph (i) of the Act, submit a written application for authorization with the Commissioner of the Financial Services Agency together with the following documents (excluding the documents set forth in items (ii) and (iii) if the applicant is a foreign bank branch and it intends to perform foreign bank agency services having a business office in the home state of a foreign bank to which the foreign bank branch belongs as the principal foreign bank; and excluding the document set forth in item (ii) if the applicant intends to perform foreign bank agency services by having a foreign bank, other than a business office in the home state of a foreign bank to which a foreign bank branch belongs and the foreign banks set forth in Article 13-2, paragraph (2), item (i), sub-items (a) to (c), as the principal foreign bank):

(3)Upon receiving an application for authorization prescribed in the preceding two paragraphs, the Commissioner of the Financial Services Agency is to examine whether the application satisfies the following standards (excluding the standards set forth in item (iii) if an application for authorization is filed in order to perform foreign bank agency services by having a foreign bank, other than a foreign bank which is a subsidiary company of a bank and the foreign banks set forth in Article 13-2, paragraph (1), item (i), sub-items (a) to (d), or a foreign bank, other than a business office in the home state of a foreign bank to which a foreign bank branch belongs and the foreign banks set forth in Article 13-2, paragraph (2), item (i), sub-items (a) to (c), as the principal foreign bank):

(4)The persons specified by Cabinet Office Order that are provided for in Article 52-2, paragraph (2) of the Act are the persons specified in the following items in accordance with the categories of persons set forth respectively in those items:

(5)When a bank intends to obtain an authorization pursuant to the provisions of Article 52-2, paragraph (2) of the Act, it must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency:

(6)When an application of authorization is filed pursuant to the provisions of the preceding paragraph, the Commissioner of the Financial Services Agency is to examine whether it conforms to the following standards:

Article 34-2-2(1)The foreign bank specified by Cabinet Office Order that is provided for in Article 52-3, paragraph (2) of the Act means one of the following foreign banks:

(2)A bank, when intending to submit a notification pursuant to the provisions of Article 52-2, paragraph (3) of the Act, must submit the written notification with the Commissioner of the Financial Services Agency, etc. with the following documents attached thereto:

Article 34-2-3The particulars to be stated in the document stating the content of an entrustment contract prescribed in Article 34-2, paragraph (1), item (vii), paragraph (2), item (iii), and paragraph (5), item (x), and in paragraph (2), item (vi) of the preceding Article are the following particulars:

Article 34-2-4(1)The particulars to be stated in the document stating the details and method of foreign bank agency services prescribed in Article 34-2, paragraph (1), item (viii) , paragraph (2), item (iv) and Article 34-2-2, paragraph (2) , item (vii) are the following:

(2)The particulars to be stated in a document stating the content and method of the foreign bank agency services prescribed in Article 34-2, paragraph (5), item (xi) are the following:

(3)The system to carry out the foreign bank agency services prescribed in paragraph (1), item (iii), and item (iii) of the preceding paragraph is to include a system to prevent the acts prescribed in the items (excluding item (iv)) of Article 52-45 of the Act, which is applied mutatis mutandis in Article 52-2-10 of the Act, and other acts that may prevent appropriate and reliable conduct of foreign bank agency services and, according to the classification of categories in the following items, systems prescribed in the items:

Article 34-2-5The particulars specified by Cabinet Office Order that are provided for in Article 34 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are a specified deposit, etc. contract.

Article 34-2-6Deleted

Article 34-2-7The particulars specified by Cabinet Office Order that are provided for in Article 34-2, paragraph (3), item (iv) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, a statement to the effect that, with regard to a Subject Contract (which means a Subject Contract prescribed in that paragraph; the same applies in Article 34-2-9-2), the applicant (which means the applicant prescribed in that paragraph) is treated as a customer other than a professional investor only by a foreign bank's agent bank who gave approval pursuant to the provisions of paragraph (2) of Article 34-2.

Article 34-2-8(1)The means specified by Cabinet Office Order that are provided for in Article 34-2, paragraph (4) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act (including as applied mutatis mutandis in Article 34-3, paragraph (12) (including as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act), Article 34-4, paragraph (3), Article 37-3, paragraph (2) and Article 37-4, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act; hereinafter the same applies in this Article) are the following:

(2)The means set forth in each item of the preceding paragraph must conform to the following standards:

(3)The term "electronic data processing system" as used in paragraph (1), item (i) means an electronic data processing system uses a telecommunications line to connect the computer used by the foreign bank's agent bank and the computer on which the customer file has been prepared that is used by the customer, etc. or the foreign bank's agent bank.

Article 34-2-9The type and substance of the means that the relevant person is required to indicate pursuant to the provisions of Article 14-3, paragraph (1) and Article 14-4, paragraph (1) of the Order means the following particulars:

Article 34-2-9-2The particulars specified by Cabinet Office Order that are provided for in Article 34-2, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are the following particulars:

Article 34-2-9-3(1)The particulars specified by Cabinet Office Order that are provided for in Article 34-2, paragraph (12) of the Financial Instruments and Exchange Act (including as applied mutatis mutandis pursuant to Article 34-3, paragraph (3) of the Financial Instruments and Exchange Act (including as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act), as applied mutatis mutandis pursuant to Article 52-2-5 of the Act; hereinafter the same applies in this Article), as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are the following:

(2)The means set forth in each item of the preceding paragraph must enable a foreign bank's agent bank to prepare a document by outputting what has been recorded in the file.

(3)The term "electronic data processing system" as used in paragraph (1), item (i) means an electronic data processing system that uses a telecommunications line to connect the computer used by the foreign bank's agent bank and the computer used by the customer.

Article 34-2-10(1)The case specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, means if a foreign bank's agent bank specifies a certain date and publicly discloses the following particulars by posting in a place that facilitates public viewing in a business office of the foreign bank's agent bank or by any other appropriate method:

(2)The date specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, means the date that is specified by a foreign bank's agent bank pursuant to the provisions of the preceding paragraph and is the last day within one year from the approval date (which means the approval date prescribed in paragraph (2), item (i) of that Article; the same applies in paragraph (2), item (iii) of the following Article and Article 34-2-12).

Article 34-2-11(1)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (iv) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act, are a statement to the effect that, with regard to the subject contract (which means the subject contract prescribed in item (ii) of that paragraph; the same applies in the following paragraph and Article 34-2-12-2), the provisions in each item of Article 45 (excluding items (iii) and (iv)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act, are not applicable when the applicant (which means the applicant prescribed in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act; the same applies in the following paragraph) is a person prescribed in any of the items (except in the case prescribed in the proviso of Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act).

(2)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act, are the following particulars:

Article 34-2-12(1)The period specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act is 11 months (in the cases set forth in the following items, the period prescribed in respective items):

(2)In applying the provisions of the preceding paragraph in the cases prescribed in Article 34-3, paragraph (8) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, the term "approval date" in that paragraph is deemed to read "the day immediately following the previous end date".

Article 34-2-12-2The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are the following particulars:

Article 34-2-13(1)The person specified by Cabinet Office Order that is provided for in Article 34-4, paragraph (1), item (i) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act, means one that satisfies any of the following requirements:

(2)The individuals specified by Cabinet Office Order that are provided for in Article 34-4, paragraph (1), item (i) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are the following persons:

Article 34-2-14The requirement specified by Cabinet Office Order that is provided for in Article 34-4, paragraph (1), item (ii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, is that all of the following requirements be met:

Article 34-2-15(1)The case specified by Cabinet Office Order that is provided for in Article 34-3, paragraph 2 of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis in Article 52-2-5 of the Act, means if a foreign bank's agent bank specifies a certain date and publicly discloses the following particulars by posting them in a place that facilitates public viewing in a business office of the foreign bank's agent bank or by another appropriate method:

(2)The date specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, means the date that is specified by a foreign bank's agent bank pursuant to the provisions of the preceding paragraph and that is the last day within one year from the approval date.

Article 34-2-16(1)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (iv), sub-item (a) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis in Article 52-2-5 of the Act, are a statement to the effect that, with regard to the subject contract (which means the subject contract prescribed in item (ii) of that paragraph; the same applies in the following paragraph and Article 34-2-16-3), the provisions of each item of Article 45 (excluding items (iii) and (iv)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act, are not applicable when the applicant is a person prescribed in any of the items (except in the case prescribed in the proviso of Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5 of the Act).

(2)The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (2), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis in Article 52-2-5 of the Act, are:

Article 34-2-16-2(1)The period specified by Cabinet Office Order that is provided for in Article 34-3, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, is 11 months (in the cases set forth in the following items, the period prescribed in respective items):

(2)In applying the provisions of the preceding paragraph in the cases prescribed in Article 34-3, paragraph (8) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, the term "approval date" in that paragraph is deemed to read "the day immediately following the previous end date".

Article 34-2-16-3The particulars specified by Cabinet Office Order that are provided for in Article 34-3, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of that Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are:

Article 34-2-17The acts specified by Cabinet Office Order that are provided for in each item of Article 37 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, means providing information with the same content to many persons by postal mail, correspondence, or using a facsimile device; by electronic mail; by distributing fliers or pamphlets; or by other means (excluding the following means):

Article 34-2-18(1)When a foreign bank's agent bank runs an advertisement or performs an act prescribed in the preceding paragraph (which is referred to as an "Advertisement, etc." in the following paragraph) with regard to the details of its actions as agent or intermediary for the conclusion of a specified deposit, etc. contract, the particulars set forth in the items of Article 37, paragraph (1) (excluding item (ii)) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, must be indicated clearly and accurately;

(2)If a foreign bank's agent bank runs an Advertisement, etc. about the substance of its actions as agent or intermediary in the conclusion of specified deposit, etc. contracts, any characters or numerals that convey the information set forth in Article 14-5, paragraph (1), item (ii) of the Order are to be shown in a size that is not significantly different from the largest size used to show characters and numerals that convey information other than the information in question;

(3)If a foreign bank's agent bank runs an Advertisement, etc. about the substance of its actions as agent or intermediary in the conclusion of specified deposit, etc. contracts, by causing something to be broadcast using the broadcasting equipment of a basic broadcaster or by any of the methods set forth in the items of Article 34-2-21, paragraph (1) (excluding audio broadcasting), notwithstanding the provisions of the preceding paragraph, any characters or numerals that convey the information set forth in Article 14-5, paragraph (2), item (i) of the Order are to be shown in a size that is not significantly different from the largest size used to show characters and numerals that convey information other than the information in question;

Article 34-2-19The particulars specified by Cabinet Office Order that are provided for in Article 14-5, paragraph (1), item (i) of the Order are a breakdown of the amounts by category of the fees, etc. or their maximum limits, or an overview of the way these are calculated (including the percentage to the amount of principal of the specified deposit, etc. contract; hereinafter the same applies in this Article) and a breakdown of the total of those amounts or maximum limits, or an overview of the way these are calculated; provided, however, that if these cannot be given, this means an indication of this and the reasons therefor.

Article 34-2-20The particulars specified by Cabinet Office Order that are provided for in Article 14-5, paragraph (1), item (iii) of the Order are the following:

Article 34-2-21(1)The methods specified by Cabinet Office Order that are provided for in Article 14-5, paragraph (2) of the Order are the following:

(2)The matters specified by Cabinet Office Order that are provided for in Article 14-5, paragraph (2), item (ii) of the Order are the particulars set forth in Article 34-2-17, item (iii), sub-item (d).

Article 34-2-22The particulars specified by Cabinet Office Order that are provided for in Article 37, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5, are the following particulars:

Article 34-2-23(1)In the document to be delivered prior to the conclusion of a contract, the particulars set forth in the items of Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, must be entered clearly and accurately, with letters and numbers of font size 8 points or larger as provided for in the Japanese Industrial Standards Z 8305.

(2)Notwithstanding the provisions of the preceding paragraph, in a document to be delivered prior to the conclusion of a contract, the following particulars are to be entered inside a frame, clearly and accurately with letters and numbers of font size 12 points or larger as provided for in the Japanese Industrial Standards Z 8305, and following the particulars prescribed in the following paragraph:

(3)In a document to be delivered prior to the conclusion of a contract, a foreign bank's agent bank is to enter those of the particulars set forth in Article 34-2-27, item (i) and the items of Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, that are of particular materiality in their impact on customers' judgment in plain language, using printed characters and numerals of size 12 points or larger as provided for in the Japanese Industrial Standards Z 8305 at the beginning of the document to be delivered prior to the conclusion of a contract.

Article 34-2-24The provision of information prescribed in Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, is to be done by delivering a document to be delivered prior to the conclusion of a contract.

Article 34-2-25(1)The case specified by Cabinet Office Order that is provided for in Article 37-3, proviso of paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act means:

(2)The provisions of Article 14-11-25, paragraph (2) apply mutatis mutandis to delivery of a contract change documnet pursuant to the provisions of item (iii), sub-item (b) of the preceding paragraph.

(3)If a specified deposit, etc. contract pertaining to a foreign currency deposit, etc. is concluded within one year from the date when a document of foreign currency deposit, etc. is delivered (including the date when a document of foreign currency deposit, etc. is deemed to be delivered pursuant to the provisions of this paragraph) (limited to the cases in which the customer declared the intention not to require delivery of a document to be delivered prior to the conclusion of a contract), it is deemed that a document of foreign currency deposit, etc. is delivered on the date of the conclusion and the provisions of paragraph (1), item (i) apply.

(4)If, within one year from the date of delivery of document to be delivered prior to the conclusion of a contract (including, if the document to be delivered prior to the conclusion of a contract is not delivered with regard to a specified deposit, etc. contract pursuant to the provisions of paragraph (1), item (i), the date of conclusion of the specified deposit, etc. contract and the date when the document to be delivered prior to the conclusion of a contract is deemed to be delivered pursuant to the provisions of this paragraph), a specified deposit, etc. contract with terms identical to those of the specified deposit, etc. contract pertaining to the document to be delivered prior to the conclusion of a contract is concluded, it is deemed that a document to be delivered prior to the conclusion of a contract is delivered on the date of the conclusion and the provisions of paragraph (1), item (ii) apply.

Article 34-2-26The particulars specified by Cabinet Office Order that are provided for in Article 37-3, paragraph (1), item (iv) of the Financial Instruments and Exchange Act, as applied mutatis mutandis in Article 52-2-5, are the amounts by category of Fee, etc. that the customer is to pay for a specified deposit, etc. contract, regardless of whether this is referred to as a fee, consideration, charge, or any other term, or their maximum limits, or the way these are calculated (including the percentage of Fee, etc. as compared to the principal amount pertaining to the specified deposit, etc. contract; hereinafter the same applies in this Article) and the total of those amounts or maximum limits, or the way these are calculated; provided, however, that when these cannot be given, this means an indication of this and the reasons therefor.

Article 34-2-27The particulars specified by Cabinet Office Order that are provided for in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are the following particulars:

Article 34-2-28The following particulars must be entered in the document to be prepared when a specified deposit, etc. contract is concluded as prescribed in Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 (which is referred to as a "document to be delivered upon the conclusion of a contract" in the following Article):

Article 34-2-29(1)The case specified by Cabinet Office Order that is provided for in Article 37-4, proviso of paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act as regards a document to be delivered upon the conclusion of a contract means:

(2)The provisions of Article 14-11-25, paragraph (2) apply mutatis mutandis to delivery of a Document pursuant to the provisions of item (iii), sub-item (b) of the preceding paragraph.

(3)If a specified deposit, etc. contract pertaining to a foreign currency deposit, etc. is concluded within one year from the date when a document of foreign currency deposit, etc. is delivered (including the date when a document of foreign currency deposit, etc. is deemed to be delivered pursuant to the provisions of this paragraph) (limited to the cases in which the customer declared the intention not to require delivery of a document to be delivered upon the conclusion of a contract), it is deemed that a document of foreign currency deposit, etc. is delivered on the date of the conclusion and the provisions of paragraph (1), item (i) apply.

(4)If, within one year from the date of delivery of document to be delivered upon the conclusion of a contract (including, if the document to be delivered upon the conclusion of a contract is not delivered with regard to a specified deposit, etc. contract pursuant to the provisions of paragraph (1), item (i), the date of conclusion of the specified deposit, etc. contract and the date when the document to be delivered upon the conclusion of a contract is deemed to be delivered pursuant to the provisions of this paragraph), a specified deposit, etc. contract with terms identical to those of the specified deposit, etc. contract pertaining to the document to be delivered upon the conclusion of a contract is concluded, it is deemed that a document to be delivered upon the conclusion of a contract is delivered on the date of the conclusion and the provisions of paragraph (1), item (ii) apply.

Article 34-2-30(1)The particulars specified by Cabinet Office Order that are provided for in Article 38, item (iii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are the following:

(2)Notwithstanding the provisions of the preceding paragraph, with regard to Credit Ratings determined by a specified associated corporation, the particulars specified by Cabinet Office Order that are provided for in Article 38, item (iii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act are the following:

Article 34-2-30-2The acts specified by Cabinet Office Order that are provided for in Article 38, item (viii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, are the following acts:

Article 34-2-31To apply the provisions of Article 37-4 of the Financial Instruments and Exchange Act as applied mutatis mutandis pursuant to Article 52-2-5 of the Act, the case specified by Cabinet Office Order that is provided for in the proviso of Article 45 of the Financial Instruments and Exchange Act as applied mutatis mutandis pursuant to Article 52-2-5 of the Act means if a system for responding immediately to an inquiry concerning a specified deposit, etc. contract that a customer concluded has not been developed.

Article 34-2-32(1)A foreign bank's agent bank must start making available for public inspection documents that its principal foreign bank and the foreign bank holding company (which means the foreign bank holding company prescribed in Article 52-2-6, paragraph (1) of the Act; hereinafter the same applies in this Article) of which the principal foreign bank is a subsidiary company prepare each business year on the state of business and assets of the principal foreign bank or the foreign bank holding company (which means explanatory documents for the business year prescribed in Article 21, paragraphs (1) and (2) and Article 52-29, paragraph (1) of the Act, or any documents equivalent thereto, and limited to those written in Japanese or English; hereinafter referred to as "documents for public inspection") within six months from the closing of the business year of the principal foreign bank or the foreign bank holding company having the principal foreign bank as a subsidiary company and keep them so available until they start making available for public inspection documents for public inspection for the following business year.

(2)When the documents for public inspection are written in English, the foreign bank's agent bank must, in addition to the documents, present documents in Japanese comprised of the overview of business, balance sheet, and profit and loss statement of its principal foreign bank and the foreign bank holding company having the principal foreign bank as a subsidiary company, in response to the request of a customer.

(3)If a foreign bank's agent bank is unable to start making documents for public inspection available for public inspection by the time prescribed in paragraph (1) due to compelling reasons, the foreign bank's agent bank may postpone the start of the public inspection with the prior approval of the Commissioner of the Financial Services Agency (with regard to a foreign bank's agent bank other than a Bank designated by the Commissioner of the Financial Services Agency, the Director of the Local Finance Bureau that has jurisdiction over the location of the head office of the foreign bank's agent bank (with regard to the location that is within the jurisdictional district of the Fukuoka Local Finance Branch Bureau, the head of the Fukuoka Local Finance Branch Bureau))

(4)A foreign bank's agent bank, when intending to obtain an approval prescribed in the preceding paragraph, must submit a written statement of reasons attached to a written application for approval to the Commissioner of the Financial Services Agency, etc.

(5)When an application for approval under the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the foreign bank's agent bank that filed the application has a compelling reason to postpone the start of the public inspection as under paragraph (1).

(6)The measure specified by Cabinet Office Order that is provided for in Article 52-2-6, paragraph (2) of the Act is any means of showing the information that has been recorded in an electronic or magnetic record or the address (including the two-dimensional barcode or any alternative) of the website on which the information recorded in an electronic or magnetic record has been posted, on paper or on a screen.

Article 34-2-33A foreign bank's agent bank must, pursuant to the provisions of Article 52-2-7 of the Act, take the following measures to ensure sound and proper operation of foreign bank agency services.

Article 34-2-34(1)The case specified by Cabinet Office Order that is provided for in Article 52-2-9, paragraph (1), item (vii) of the Act means if there has been a change in the person that holds a number of shares or an amount of equity constituting over fifty percent of the issued shares, etc.

(2)A foreign bank's agent bank, when intending to file a notification pursuant to the provisions of Article 52-2-9, paragraph (1) of the Act, must submit to the Commissioner of the Financial Services Agency, etc. a written notification without delay, with a statement of reasons and a document giving information that should serve as a reference attached thereto; provided, however, that the notifications regarding the matter set forth in item (i) of that paragraph may be made collectively as a single notification on a semiannual basis.

(3)A foreign bank's agent bank, when posting a public notice and display pursuant to Article 52-2-9, paragraph (2) of the Act (limited to the cases in which a notification set forth in paragraph (1), items (iii) to (vi) of that Article), is to indicate a policy for processing transactions in the foreign bank agency services it provides, such as deposit, etc. in the principal foreign bank.

Article 34-2-35The form specified by Cabinet Office Order that is provided for in Article 52-40, paragraph (1) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, is as prescribed in item (x)-2 of the appended form.

Article 34-2-36A foreign bank's agent bank, based on the provisions of Article 52-43 of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, must manage money or other assets delivered by customers, with regard to its activities as a foreign bank agent, in a condition that is immediately distinguishable as to whether the asset is its own asset or belongs to any principal foreign bank, by separating the places of management or by other methods.

Article 34-2-37The particulars specified by Cabinet Office Order that are provided for in Article 52-44, paragraph (1), item (iii) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, are the following particulars:

Article 34-2-38The provisions of Article 13-3 apply mutatis mutandis to the provision of information to depositor, etc. by a foreign bank's agent bank pursuant to the provisions of Article 52-44, paragraph (2) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act.

Article 34-2-39A foreign bank's agent bank, when carrying out an activity as a foreign bank agent, is to explain to the customer the following:

Article 34-2-40A foreign bank's agent bank, if it has clarified the particulars prescribed in Article 34-2-37, item (iii), must respond to the request of a customer and provide the content of the same type of contract of another principal foreign bank and other information to serve as a reference for the customer.

Article 34-2-41For the employees engaged in foreign bank agency services, a foreign bank's agent bank must take such measures as providing guidance in foreign bank agency services and training in legal compliance in foreign bank agency services (including foreign laws and regulations).

Article 34-2-42A person closely related to a foreign bank's agent bank as specified by Cabinet Office Order that is provided for in Article 52-45, item (iii) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, when the foreign bank's agent bank is a Bank, means the specified related party of the Bank (which means a specified related party prescribed in Article 13-2 of the Act, but excluding a subsidiary company of a Bank that is the foreign bank's agent bank) and, if the foreign bank's agent bank is a foreign bank branch, a person uniquely related to that foreign bank branch (which means a person uniquely related thereto as prescribed in Article 13-2 of the Act, as replaced pursuant to the provisions of Article 9 of the Order, but excluding a subsidiary company of a foreign bank to which the foreign bank branch belongs).

Article 34-2-43The conduct specified by Cabinet Office Order as being unlikely to result in insufficient customer protection that is provided for in Article 52-45, item (iii) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10, means conduct that does not constitute a foreign bank's agent bank wrongfully acting as agent or intermediary in the conclusion of a contract for the lending of funds or discounting of bills and notes on the condition that a customer will effect a transaction.

Article 34-2-44The acts specified by Cabinet Office Order that are provided for in Article 52-45, item (v) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, are the following acts:

Article 34-2-45Pursuant to the provisions of Article 52-49 of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, a foreign bank's agent bank must prepare the books and documents prescribed in the following items (when it does not act as an agent in the principal foreign bank services, limited to those set forth in item (iii)) for each principal foreign bank and keep them on file for the periods prescribed respectively in those items to show the processing and calculations made in the foreign bank agency services:

Article 34-2-46(1)The report on foreign bank agency services pursuant to the provisions of Article 52-50, paragraph (1) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, must be prepared pursuant to Appended Form (x)-2-2 and submitted to the Commissioner of the Financial Services Agency, etc., within three months of the end of the business year.

(2)A foreign bank's agent bank, if it is unable to submit the report on foreign bank agency services within the period prescribed in the preceding paragraph for compelling reasons, may postpone the submission under the prior approval of the Commissioner of the Financial Services Agency (when the Director the Local Finance Bureau who has jurisdiction over the location of the head office of the foreign bank's agent bank (the head of the Fukuoka Local Finance Branch Bureau, when the location is within the jurisdictional district of the Fukuoka Local Finance Branch Bureau) pursuant to the provisions of Article 17-2 of the Order receives the report on foreign bank agency services, the director of the Local Finance Bureau or the head of Fukuoka Local Finance Branch Bureau ).

(3)A foreign bank's agent bank, when intending to obtain an approval prescribed in the preceding paragraph, must submit a written statement of reasons attached to a written application for approval to the Commissioner of the Financial Services Agency, etc.

(4)When an application for approval under the preceding paragraph is filed, the Commissioner of the Financial Services Agency, etc. is to examine whether the foreign bank's agent bank that filed the application has what is found to be a compelling reason to postpone the submission as under paragraph (2).