Article 25(1)The form specified by Cabinet Office Order, as prescribed in Article 20, paragraph (1) of the Act, is the form specified in Appended Form 4.

(2)The method specified by Cabinet Office Order, as prescribed in Article 20, paragraph (2) of the Act, is the use of the Internet.

(3)The particulars specified by Cabinet Office Order, as prescribed in Article 20, paragraph (2) of the Act, are as follows:

Article 26(1)If any of the following applies to a financial service intermediary, the intermediary is to notify the Commissioner, etc. accordingly:

(2)In the case stated in the preceding paragraph, a financial service intermediary is to submit to the Commissioner, etc. the documents specified in the following items, in accordance with the category of the case stated in each item:

(3)A breakdown of the security deposit, etc. prescribed in the items of the preceding paragraph is to be prepared in accordance with Appended Form 5.

(4)When the Commissioner, etc. receives the original copy of the deposit certificate as referred to in paragraph (2), item (i), the Commissioner, etc. must issue a custody certificate to the financial service intermediary.

Article 27(1)When a counterparty to a guarantee entrustment contract makes a security deposit pursuant to the provisions of Article 22, paragraph (4) of the Act, the deposit is to be made with the official depository nearest to the principal place of business or office of the financial service intermediary with which the guarantee entrustment contract is concluded (if the counterparty does not have a place of business or office in Japan, the deposit is to be made with the Tokyo Legal Affairs Bureau).

(2)When a counterparty to a guarantee entrustment contract makes the deposit under the preceding paragraph, the party is to submit the original copy of the deposit certificate to the Commissioner of the Financial Services Agency, etc.

(3)When the Commissioner of the Financial Services Agency, etc. receives the original copy of the deposit certificate as provided in the preceding paragraph, the Commissioner, etc. must issue a custody certificate to the counterparty to guarantee entrustment contract.

Article 28(1)When a financial service intermediary intends to obtain approval under Article 27, item (ii) of the Order, it must submit an application to the Commissioner of the Financial Services Agency, etc. along with a document stating the reasons for the application and other relevant particulars. This must be done no later than one month before the date on which the intermediary intends to cancel the guarantee entrustment contract for which approval is sought, or amend its terms and conditions.

(2)When an application for approval under the preceding paragraph has been filed, the Commissioner, etc. is to examine whether the cancellation of the guarantee entrustment contract or any change to its contents by the financial service intermediary that applied for the approval would pose a risk of undermining the protection of customers, etc. (meaning the customers, etc. defined in Article 22, paragraph (2) of the Act; the same applies in Article 32, paragraph (4)).

Article 29The financial institutions specified by Cabinet Office Order, as prescribed in Article 27 of the Order, are as follows:

Article 30The day specified by Cabinet Office Order, as prescribed in Article 22, paragraph (8) of the Act, is the day determined in accordance with the category of case stated in each of the following items, according to the reason the insufficiency of the security deposit amount:

Article 31(1)The securities specified by Cabinet Office Order, as prescribed in Article 22, paragraph (9) of the Act, are as follows:

(2)When securities are used as a guarantee pursuant to the provisions of Article 22, paragraph (9) of the Act, their value is to be the amount specified in each of the following items, according to the category of securities stated in each item:

(3)For securities issued through discounting, their issue value plus the amount calculated in accordance with the following formula is deemed to be the par value of the securities, and the provisions of the preceding paragraph apply:

(4)For the purpose of calculation under the formula in the preceding paragraph, if a fraction of less than one year arises in the number of years from the issue date to the redemption date and the number of years from the issue date to the deposit date, or if a fraction of less than one yen arises in the amount obtained by dividing the difference between the par value and the issue value by the number of years from the issue date to the redemption date, the fraction is to be truncated.

Article 32(1)When a financial service intermediary intends to obtain approval under Article 23, paragraph (1) of the Act, it must, no later than one month before the date on which it intends not to deposit a portion of the security deposit by means of a financial service intermediary liability insurance policy for which the approval is sought, submit to the Commissioner, etc. a written application for approval, along with a written statement of reasons and any other documents containing relevant particulars for reference.

(2)When an application for the approval under the preceding paragraph has been filed, the Commissioner, etc. is to examine whether the terms and conditions of the financial service intermediary liability insurance policy concluded by the financial service intermediary that filed the application conform to the requirements specified in the items of Article 29, paragraph (1) of the Order.

(3)When a financial service intermediary intends to obtain approval under Article 29, paragraph (1), item (iv) of the Order, it must submit to the Commissioner, etc. a written application for approval, along with a written statement of reasons and other relevant particulars, no later than one month before the date on which it intends to cancel the financial service intermediary liability insurance policy for which the approval is sought, or to amend any of its terms and conditions.

(4)When an application for approval under the preceding paragraph has been filed, the Commissioner of the Financial Services Agency etc. is to examine whether the termination of the financial service intermediary's liability insurance policy or any change to its contents by the financial service intermediary that applied for that approval is likely to result in insufficient protection for customers, etc.

Article 33(1)A financial service intermediary must clearly state that it is not permitted to perform the following activities on behalf of any counterparty financial institution, specifically in relation to the authority of a financial service intermediary prescribed in Article 25, paragraph (1), item (iii):

(2)The particulars specified by Cabinet Office Order, as prescribed in Article 25, paragraph (1), item (vi) of the Act, are as follows:

Article 34The particulars specified by Cabinet Office Order, as prescribed in Article 25, paragraph (2) of the Act, are as follows:

Article 35A financial service intermediary must establish internal rules, etc. concerning measures such as providing explanations of important information to customers, taking into account the customers' knowledge, experience, asset status, and the purpose of the transaction, and other measures to ensure healthy and proper business operations (including providing explanations regarding the details and risks of instruments or transactions through document delivery or other appropriate means, as well as crime prevention measures), in accordance with the details and methods of the financial service intermediary business operations, and must develop a sufficient system to train its employees or otherwise ensure that its business is conducted based on those internal rules, etc.

Article 36If a financial service intermediary entrusts security management of information concerning individual customers that it handles, supervision of employees, and handling of the information, it must take necessary and appropriate measures for the supervision of the entrusted party, so as to prevent the leaking, destruction or loss of the information.

Article 36-2If any leakage, loss, or destruction of information on individual customers handled by a financial service intermediary occurs, or if there is a risk of such an occurrence (limited to information that is personal data as prescribed in Article 16, paragraph (3) of the Act on the Protection of Personal Information (Act No. 57 of 2003)), the financial service intermediary must promptly report the incident to the Director-General of a Local Finance Bureau or the Director-General of the Fukuoka Local Finance Branch Bureau and take any other appropriate measures.

Article 37A financial service intermediary must take measures to ensure that it does not use information provided by a credit information-related organization regarding the loan repayment capacity of a person seeking funds (meaning an organization that collects information on the repayment capacity of such individuals and provides it to the financial service intermediary) for any purpose other than assessing that person's repayment capacity.

Article 38A financial service intermediary must take measures to ensure that it does not handle individual customer information relating to race, creed, family origin, registered domicile, health and medical care, criminal records, or any other undisclosed special information (meaning information that has come to light in the course of business and has not been disclosed), for any purpose other than that which is considered necessary to ensure the proper operation of its business.

Article 39When a financial service intermediary conducts its business using a computer connected via a telecommunications line, it must take appropriate measures to prevent customers from misidentifying the financial service intermediary as a counterparty financial institution or any other person.

Article 40When a financial service intermediary entrusts business to a third party, it must take necessary measures to ensure that the entrusted business is properly carried out, such as regularly or as necessary confirming the status of implementation and requesting improvements when needed.

Article 41The persons specified by Cabinet Office Order, as prescribed in the main clause of Article 30, paragraph (1) of the Order, are as follows:

Article 42The persons specified by Cabinet Office Order, as prescribed in Article 30, paragraphs (2) and (3) of the Order, are as follows:

Article 43(1)The companies specified by Cabinet Office Order, as prescribed in Article 30, paragraph (4) of the Order, are the following companies, etc. (meaning the companies, etc. prescribed in that paragraph; the same applies below in Articles 43 through 45); provided, however, that this does not apply when it is evident that a company does not have control over the decision-making body (meaning the decision-making body prescribed in that paragraph; the same applies in item (ii), (e)) of another company, etc., based on their financial, operational, or business relationships:

(2)With respect to a special purpose company (meaning a specific 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 engaged in a similar business that is restricted from modifying its business details), if its incorporation is intended to entitle the holders of the securities it issues (including creditors in connection with a specific borrowing as prescribed in Article 2, paragraph (12) of that Act) to receive profits generated from assets transferred to the special purpose company at a fair value, and if the business is properly implemented in accordance with that purpose, then— notwithstanding the provisions of the preceding paragraph—the special purpose company is deemed to be independent of the companies, etc. that transferred the assets to it (referred to below as the "transferor company, etc." in this paragraph), and is presumed not to fall under the category of a subsidiary company, etc. (meaning a subsidiary company, etc. as prescribed in Article 30, paragraph (4) of the Order; the same applies below in this Section) of the transferor company, etc.

Article 44The companies, etc. specified by Cabinet Office Order, as prescribed in Article 30, paragraph (5) of the Order, are as follows; provided, however, that this does not apply when it is evident that the company, etc. (including its subsidiary companies, etc.) is unable to exert any material influence over decisions concerning the financial, operational, or business policies of another company, etc., excluding its subsidiary companies, etc., based on their financial, operational, or business relationships:

Article 45(1)For the purpose of determining the holding of voting rights as prescribed in Article 30, paragraph (6) of the Order, the voting rights held are to include those held under the name of another person (including a fictitious name), as well as the voting rights related to shares, etc. in the following cases:

(2)Notwithstanding the provisions of the preceding paragraph, the voting rights held as referred to in that paragraph are not to include the voting rights related to the following shares, etc.:

(3)The term "person in special relationship" as referred to in paragraph (1), item (ii) means the relationships stated in the following items, according to the categories of persons respectively stated in each item:

(4)In this Article, the term "controlling shareholder, etc." means a person who holds voting rights constituting more than 50 percent of the voting rights held by all shareholders, etc. of a company. The term "controlled company" means a company in which voting rights constituting more than 50 percent of the voting rights held by all shareholders, etc. are held by a controlling shareholder, etc. In this case, if a controlling shareholder, etc. and its controlled company jointly hold voting rights constituting more than 50 percent of voting rights held by all shareholders, etc. of another company, that other company is deemed to be a controlled company of the controlling shareholder, etc., and the controlling shareholder, etc. is deemed to be the controlling shareholder, etc. of that other company.

(5)If there is a person who, together with a joint holder, holds voting rights constituting more than 50 percent of the voting rights held by all shareholders, etc. of a company, each related person is deemed to be a controlling shareholder, etc. of the company, the company is deemed to be a controlled company of that person, and the provisions of paragraph (3) apply.

(6)If a person, together with their spouse, jointly holds voting rights constituting more than 50 percent of the voting rights held by all shareholders, etc. of a company, that person is deemed to be a controlling shareholder, etc. of the company, the company is deemed to be a controlled company of that person, and the provisions of paragraph (3) apply.

(7)The provisions of Article 14, paragraph (2) apply mutatis mutandis to voting rights held by a person prescribed in these provisions in the cases stated in the preceding three paragraphs. In this case, the phrases "Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Book-Entry Transfer of Corporate Bonds and Shares (Act No. 75 of 2001) (including when these provisions are applied mutatis mutandis pursuant to Article 228, paragraph (1), Article 235, paragraph (1), Article 239, paragraph (1), and Article 276 (limited to the part concerning item (ii)) of that Act)" and "shares, etc." in paragraph (2) of that Article is deemed to be replaced with "Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Book-Entry Transfer of Corporate Bonds and Shares (Act No. 75 of 2001)" and "shares", respectively.

Article 46The cases specified by Cabinet Office Order as having little likelihood of resulting in sufficient protection of customers, as referred to in Article 27 of the Act, are as follows:

Article 47(1)The complaint processing measuress specified by Cabinet Office Order, as prescribed in Article 28 paragraph (1), item (i), (b) of the Act, are any of the following:

(2)The dispute resolution measures specified by Cabinet Office Order, as prescribed in Article 28 paragraph (1), item (i), (b) of the Act, are any of the following:

(3)Notwithstanding the provisions of the preceding two paragraphs (limited to the portions relating to paragraph (1), item (vi) and paragraph (2) item (v)), a financial service intermediary must not attempt to handle complaints related to financial service intermediary business operations or resolve disputes related to financial service intermediary business operations through procedures implemented by a corporation falling under any of the categories:

Article 48The deposits, etc. specified by Cabinet Office Order, as prescribed in Article 52-44, paragraph (2) of the Banking Act, as applied mutatis mutandis, are as follows:

Article 49(1)When a financial service intermediary (limited to an intermediary conducting deposit, etc. intermediary business operations; the same applies below in this Subsection) provides information to depositors, etc. pursuant to the provisions of Article 52-44, paragraph (2) of the Banking Act, as applied mutatis mutandis, it is to provide the information by the following methods:

(2)The term "financial derivative transaction" as stated in item (v), (b) of the preceding paragraph means transactions in which the parties agree to pay or receive money based on the difference between a numerical value agreed in advance by the parties as the value of an interest rate, currency prices, commodity prices, the price of carbon dioxide equivalent quotas (meaning the carbon dioxide equivalent quotas prescribed in Article 2, paragraph (7) of the Act on Promotion of Global Warming Countermeasures (Act No. 117 of 1998), and any similar value; the same applies in item (ii)), or any other indicators, and the actual figure of the indicator at a specified time in the future, or transactions specified below:

(3)If a counterparty financial institution has provided information concerning the conclusion of a contract relating to a deposit, etc. to a depositor, etc. by a method stated in the items of paragraph (1), the financial service intermediary is not required to provide such information to the depositor, etc. by the methods stated in the items of paragraph (1), notwithstanding the provisions of that paragraph.

Article 50(1)When a financial service intermediary sells financial instruments (meaning the sale of financial instruments prescribed in Article 3, paragraph (1) of the Act, excluding the acts related to items (i) and (ii) of that paragraph) or acts as an agent or intermediary for the sale, the intermediary must provide an explanation in writing or through other appropriate means to the customer, in order to prevent the customer from misidentifying those financial instruments as deposits, etc., in accordance with the method of business and take into account the customer's knowledge, experience, asset status, and the purpose of the transaction:

(2)If a financial service intermediary provides the explanation prescribed in the preceding paragraph, the intermediary is to explain the following particulars (excluding those stated in items (iii) and (iv), in the case of corporate bonds (excluding short-term bonds prescribed in Article 66, item (i) of the Act on Book-Entry Transfer of Corporate Bonds and Shares) issued by that intermediary):

(3)When a financial service intermediary concludes a trust agreement without an agreement for the compensation of the principal, or acts as an agent or intermediary for the conclusion of such an agreement, it must display, in a place easily seen by customers at its places of business or offices, that the trust agreement does not include an agreement for the compensation of the principal; and, if it concludes a trust agreement concerning a monetary trust without an agreement for the compensation of the principal, or acts as an agent or intermediary for the conclusion of such an agreement (excluding cases stated in each item of Article 78 of the Order for Enforcement of Trust Business Act (Cabinet Office Order No. 107 of 2004)), it must explain the particulars stated in each item of the preceding paragraph.

Article 51(1)A person closely related to a financial service intermediary, as specified by Cabinet Office Order, which is prescribed in Article 52-45, item (iii) of the Banking Act, as applied mutatis mutandis, is as follows (excluding subsidiary companies of the financial service intermediary):

(2)The term "subsidiary company" as used in this Article means any other company in which the company holds a majority of all shareholders' voting rights. In this case, the company itself and one or more of its subsidiary companies, or any other company in which one or more of its subsidiaries hold a majority of the voting rights held by all shareholders, etc., is deemed subsidiary companies of the company.

Article 52The acts provided by Cabinet Office Order as those without risk of lacking the protection of customers as prescribed in Article 52-45, item (iii) of the Banking Act as applied mutatis mutandis, are acts that are not an act as an intermediary for the conclusion of a contract for a loan of funds or discounting of bills and notes arranged on the condition that a financial service intermediary conducts transactions unfairly.

Article 53A person with a unique relationship to a counterparty financial institution, as specified by Cabinet Office Order, which is prescribed in Article 52-45, item (iv) of the Banking Act, as applied mutatis mutandis, is as follows:

Article 54The acts that are unlikely to impair the sound and proper performance of the services of the counterparty financial institutions, as specified by Cabinet Office Order, which is referred to in Article 52-45, item (iv) of the Banking Act, as applied mutatis mutandis, are acts relating to transactions or actions for which the counterparty financial institution has obtained approval under the proviso to Article 13-2 of the Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the Long-Term Credit Bank Act, Article 89, paragraph (1) of the Shinkin Bank Act, Article 94, paragraph (1) of the Labor Bank Act, and Article 6, paragraph (1) of the Act on Financial Businesses by Cooperative), the proviso to Article 11-9 of the Agricultural Cooperatives Act, the proviso to Article 11-15 of the Fishery Cooperatives Act (including as applied mutatis mutandis pursuant to Article 92, paragraph (1), Article 96, paragraph (1) and Article 100, paragraph (1) of that Act), or Article 59 of the Norinchukin Bank Act.

Article 55The acts specified by Cabinet Office Order, as prescribed in Article 52-45, item (v) of the Banking Act, as applied mutatis mutandis, are as follows:

Article 56(1)When providing information concerning the terms and conditions of an insurance policy, as well as other reference information for policyholders, etc. (meaning the policyholders, etc. prescribed in Article 17, paragraph (1) of the Act; the same applies in item (i), (o), and Article 62, paragraph (1), item (iv)), pursuant to the provisions of Article 294, paragraph (1) of the Insurance Business Act, as applied mutatis mutandis, a financial service intermediary (limited to those engaged in insurance intermediary business operations; the same applies below in this Subsection, except for Article 62, paragraph (1), item (xii) and paragraph (4)), or its officers or employees (limited to employees prescribed in Article 294, paragraph (1) of the Insurance Business Act, as applied mutatis mutandis; the same applies in paragraph (4) and the following paragraph), are to provide the information to policyholders and insured persons by the following methods:

(2)Notwithstanding the provisions of the preceding paragraph, if a counterparty financial institution or its officer or employee (limited to an insurance agent as prescribed in Article 2, paragraph (23) of the Insurance Business Act) has provided information concerning the conclusion of an insurance policy or the subscription to a group insurance policy to the policyholder or the insured by the method stated in the items of that paragraph (excluding item (iv)), the financial service intermediary or its officer or employee is not required to provide the same information to the policyholder or the insured by the method stated in those items (excluding item (iv)).

(3)The cases specified by Cabinet Office Order, as prescribed in the proviso to Article 294, paragraph (1) of the Insurance Business Act, as applied mutatis mutandis, are as follows:

Article 57The cases specified by Cabinet Office Order, as prescribed in Article 294-2 of the Insurance Business Act, as applied mutatis mutandis, are as follows:

Article 58The insurance policy specified by Cabinet Office Order, as prescribed in Article 295, paragraph (1) of the Insurance Business Act, as applied mutatis mutandis, is an insurance policy in which the insurer is a non-life insurance company prescribed in Article 2, paragraph (4) of the Insurance Business Act, and a foreign non-life insurance company, etc. prescribed in paragraph (9) of that Article.

Article 59(1)The amount calculated as the total insurance premiums under self-contracts subject to insurance intermediary business operations, as prescribed in Article 295, paragraph (2) of the Insurance Business Act, as applied mutatis mutandis (referred to below as "insurance premiums under a self-contract subject to insurance intermediary business operations" in this paragraph), pursuant to the provisions of Cabinet Office Order, is the amount equivalent to the average annual insurance premiums under self-contract subject to insurance intermediary business operations provided by the financial service intermediary over the most recent two business years (excluding insurance premiums under insurance policies that satisfy all of the following requirements, in cases where the financial intermediary business is the policyholder itself or any of its employees):

(2)The amount calculated as the total amount of insurance premiums under an insurance policy subject to insurance intermediary business operations, as prescribed in Article 295, paragraph (2) of the Insurance Business Act, as applied mutatis mutandis, pursuant to the provisions of Cabinet Office Order, is the amount equivalent to the average annual insurance premiums under the insurance policy, as provided by the financial service intermediary over the most recent two business years.

(3)For the purpose of calculating the insurance premiums prescribed in the preceding two paragraphs, if a financial service intermediary provides intermediary services for the conclusion of insurance policies of two or more counterparty financial institutions, the insurance premiums concerning all such counterparty financial institutions are to be totaled.

(4)The insurance premiums prescribed in paragraphs (1) and (2) are to be calculated based on the amount actually received, and in the case of an insurance policy with an installment payment option, or an insurance policy in which the insurance period exceeds one year, the insurance proceeds are to be based on the annualized amount of insurance premiums.

Article 60The particulars specified by Cabinet Office Order, as prescribed in Article 546, paragraph (1) of the Commercial Code (Act No. 48 of 1899), as applied pursuant to Article 298 of the Insurance Business Act, as applied mutatis mutandis (including as applied mutatis mutandis pursuant to Article 293 of the Insurance Business Act, as applied mutatis mutandis), are as follows:

Article 61The particulars specified by Cabinet Office Order, as prescribed in Article 300, paragraph (1), item (vii) of the Insurance Business Act, as applied mutatis mutandis, are insurance premiums, refunds or any other benefits, or insurance proceeds, the amounts of which depend on the investment performance of assets or other factors.

Article 62(1)The acts specified by Cabinet Office Order, as prescribed in Article 300, paragraph (1), item (ix) of the Insurance Business Act, as applied mutatis mutandis, are as follows:

(2)The term "specified related party" in items (xii) through (xiv) of the preceding paragraph means a person prescribed in Article 4-2, paragraph (1), items (i) through (x) of the Order for Enforcement of the Banking Act (including as applied mutatis mutandis pursuant to Article 6, paragraph (1) of the Order for Enforcement of the Long-Term Credit Bank Act (Cabinet Order No. 42 of 1982); Article 11-2, paragraph (1), item (i) of the Order for Enforcement of the Shinkin Bank Act (Cabinet Order No. 142 of 1968); Article 5-2, paragraph (1), item (i) of the Order for Enforcement of the Labor Bank Act (Cabinet Order No. 46 of 1982); Article 3-2, paragraph (1), item (i) of the Order for Enforcement of the Act on Financial Businesses by Cooperative (Cabinet Order No. 44 of 1982); and the items of Article 55 of the Order for Enforcement of the Agricultural Cooperatives Act (Cabinet Order No. 271 of 1962)) (with respect to item (iii), this is limited to persons stated in Article 10, paragraph (1), item (i) of the Order for Credit Business of Agricultural Cooperatives and Federation of Agricultural Cooperatives (Order of the Ministry of Finance and the Ministry of Agriculture, Forestry and Fisheries No. 1 of 1993), Article 9, paragraph (1), item (i) of the Order for Enforcement of the Fishery Cooperatives Act (Cabinet Order No. 328 of 1993), Article 8, paragraph (1), item (i) of the Order for Enforcement of the Norinchukin Bank Act (Cabinet Order No. 285 of 2001), and Article 7 paragraph (1), items (i) and (ii) of the Order for Enforcement of the Shoko Chukin Bank Limited Act (Cabinet Order No. 367 of 2007)).

(3)The provisions of paragraph (1) (limited to the part relating to items (vii) and (xi)) are to apply mutatis mutandis to a financial service intermediary (limited to a person who is a financial institution agent or who conducts deposit, etc. intermediary business operations) or their officers or employees. In this case, the terms "the bank, etc." and "extending credit" in item (vii) of that paragraph are to be replaced with "the financial service intermediary" and "providing agency or intermediary services for the conclusion of a contract for the lending of funds or the discounting of negotiable instruments", respectively; and the term "the bank, etc." in item (xi) of that paragraph is to be replaced with "the financial service intermediary and its principal bank, etc. (meaning the principal bank prescribed in Article 2, paragraph (16) of the Banking Act; a principal long-term credit bank prescribed in Article 16-5, paragraph (3) of the Long-Term Credit Bank Act; a principal shinkin bank prescribed in Article 85-2, paragraph (3) of the Shinkin Bank Act; a principal labor bank prescribed in Article 89-3, paragraph (3) of the Labor Bank Act; a principal credit cooperative prescribed in Article 6-3, paragraph (3) of the Act on Financial Businesses by Cooperatives; a principal cooperative prescribed in Article 92-2, paragraph (3) of the Agricultural Cooperatives Act; a principal cooperative prescribed in Article 106, paragraph (3) of the Fishery Cooperatives Act; the Norinchukin Bank prescribed in Article 95-2, paragraph (3) of the Norinchukin Bank Act (excluding banks authorized under Article 42, paragraph (3) of the Act on the Enhancement and Restructuring of Credit Business Conducted by the Norinchukin Bank and Specified Agricultural and Fishery Cooperatives (referred to below as the "Enhancement and Restructuring Act" in this paragraph); and the Norinchukin Bank authorized under Article 42, paragraph (3) of the Enhancement and Restructuring Act or a federation of agricultural and fishery cooperative savings credit cooperation prescribed in Article 2, paragraph (2) of the Enhancement and Restructuring Act)), or a counterparty to a contract for the lending of funds or the discounting of negotiable instruments to be concluded by the policyholder through the deposit, etc. intermediary business operations provided by the financial service intermediary".

(4)The provisions of paragraph (1) (limited to the part relating to item (xii)) are to apply mutatis mutandis to a financial service intermediary (limited to one conducting insurance intermediary business operations) (limited to one that is a specified related party (meaning a person prescribed in Article 4-2, paragraph (1), items (xi) through (xiii) of the Order for Enforcement of the Banking Act (in the case of a party stated in item (xi), excluding a bank agent prescribed in the same item; and including the cases where these provisions are applied mutatis mutandis pursuant to Article 6, paragraph (1) of the Order for Enforcement of the Long-Term Credit Bank Act); a person prescribed in Article 11-2, paragraph (1), items (ii) through (iv) of the Order for Enforcement of the Shinkin Bank Act (excluding, in the case of item (ii), a Shinkin Bank agent); a person prescribed in Article 5-2, paragraph (1), items (ii) through (iv) of the Order for Enforcement of the Labor Bank Act (excluding, in the case of item (ii), a labor bank agent); a person prescribed in Article 3-2, paragraph (1), items (ii) through (iv) of the Order for Enforcement of the Act on Financial Businesses by Cooperative (excluding, in the case of item (ii), a credit cooperative agent); a person prescribed in Article 10, paragraph (1), items (ii) through (v) of the Order for Credit Business of Agricultural Cooperatives and Federation of Agricultural Cooperatives (excluding, in the case of item (ii), a specified credit service agent; or in the case of item (v), an agricultural cooperative); a person prescribed in Article 9, paragraph (1), items (ii) through (v) of the Order for Enforcement of the Fishery Cooperatives Act (excluding, in the case of item (ii), a specified credit service agent; or in the case of item (v), a fishery cooperative and fishery processing cooperative); a person prescribed in Article 8, paragraph (1), items (ii) through (v) of the Order for Enforcement of the Norinchukin Bank Act (excluding, in the case of item (ii), a Norinchukin Bank agent; or in the case of item (v), an agricultural cooperative, fishery cooperative and fishery processing cooperative); a person prescribed in Article 7, paragraph (1), item (iii) (excluding a cooperative agent, etc. prescribed in that item) and item (iv) of the Order for Enforcement of the Shoko Chukin Bank Act) of a financial institution agent or a specified related party (meaning a person stated in the items of Article 51, paragraph (1)) of a financial service intermediary conducting deposit, etc. intermediary business operations) or their officers and employees. In this case, the phrase "that the bank, etc. has extended or promises to grant credit to the policyholder or insured under an insurance policy" in paragraph (1), item (xii) is deemed to be replaced with "that the financial institution agent or the financial service intermediary that conducts deposit, etc. intermediary business operations has provided, or has undertaken, to provide the policyholder or the insured under the insurance policy, agency or intermediary services for the conclusion of a contract for the or the discounting of negotiable instruments to be implemented by the counterparty to the contract for the lending of funds or the discounting of negotiable instruments, to be concluded by the policyholder or the insured, through the deposit, etc. intermediary business operations provided by its principal bank, etc. (meaning the principal bank, etc. prescribed in the preceding item, as applied mutatis mutandis in paragraph 3))), or the deposit, etc. intermediation business conducted by the financial service intermediary".

Article 63When a financial service intermediary provides information regarding the terms and conditions of a single insurance policy underwritten by a counterparty financial institution, in comparison with other insurance policies concerning the same type of insurance (limited to cases where the terms and conditions of insurance policies underwritten by different counterparty financial institutions are compared; the same applies in paragraph (1) of the following Article), or where it presents suggested contracts selected from among two or more comparable insurance policies of the same type underwritten by two or more counterparty financial institutions, the intermediary must take appropriate measures to prevent any customer from misunderstanding the existence of an entrustment contract between the financial service intermediary and the counterparty financial institution.

Article 64(1)When a financial service intermediary provides information regarding the terms and conditions of a single insurance policy underwritten by a counterparty financial institution, in comparison with other insurance policies concerning the same type of insurance, it must take appropriate measures to avoid representing or conveying to the policyholder, the insured, or any other unspecified person any message about the comparison that is likely to cause misunderstanding among related persons.

(2)When presenting a proposed contract selected from among two or more comparable insurance policies of the same type underwritten by two or more counterparty financial institutions, a financial service intermediary must take measures to ensure that any necessary explanation regarding the recommendation is provided.

Article 65The act specified by Cabinet Office Order, as prescribed in Article 66-14, item (i), (f) of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 31, paragraph (1) of the Act, is the acceptance of entrustment, etc. (meaning the acceptance of entrustment, etc. as prescribed in Article 44-2, paragraph (1), item (i) of the Financial Instruments and Exchange Act, and limited to that related to securities, etc. intermediary business operations; the same applies in item (i)) for the purchase and sale of securities (meaning the purchase and sale of securities as prescribed in Article 2, paragraph (8), item (i) of that Act; the same applies below in this Section) on the condition that credit is granted to the customer, which satisfies all of the following requirements:

Article 66The contracts specified by Cabinet Office Order, as prescribed in Article 34 of the Financial Instruments and Exchange Act, as applied mutatis mutandis pursuant to Article 31, paragraph (2) of the Act (referred to below as the "Financial Instruments and Exchange Act as applied mutatis mutandis" in this Subsection and in Article 139, paragraph (6), item (ii)), are as follows:

Article 67The particular specified by Cabinet Office Order, as prescribed in Article 34-2, paragraph (3), item (iv) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, is that the applicant (meaning the applicant prescribed in the same paragraph) will be treated as a customer, rather than as a professional investor (meaning a professional investor as prescribed in Article 2, paragraph (31) of the Financial Instruments and Exchange Act; the same applies below in this Subsection), with respect to the subject contract (meaning the subject contract prescribed in Article 34-2, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis; the same applies in Article 70), only by the financial service intermediary (limited to a person engaging in financial service intermediary business operations related to a specified financial service contract; the same applies below in this Subsection except for Article 69, item (i)) who has approved the request under the same paragraph.

Article 68The methods specified by Cabinet Office Order as prescribed in Article 34-2, paragraph (4) of the Financial Instruments and Exchange Act, as applied mutatis mutandis (including as applied mutatis mutandis pursuant to Article 34-3, paragraph (12), Article 34-4, paragraph (6), Article 34-4, paragraph (3), Article 37-3, paragraph (2), and Article 37-4, paragraph (2) of the Act), are to be the methods stated in the items of Article 2, paragraph (1).

Article 69The types and details of the means to be specified pursuant to the provisions of Article 33, paragraph (1), and Article 34, paragraph (1) of the Order are as follows:

Article 70The particulars specified by Cabinet Office Order, as prescribed in Article 34-2, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 71(1)The methods specified by Cabinet Office Order, as prescribed in Article 34-2, paragraph (12) of the Financial Instruments and Exchange Act, as applied mutatis mutandis (including as applied mutatis mutandis pursuant to Article 34-3, paragraph (3) of the Financial Instruments and Exchange Act, as applied mutatis mutandis (which in turn includes as applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act, as applied mutatis mutandis); the same applies in item (i), (a)), are as follows:

(2)The methods stated in the items of the preceding paragraph must enable a financial service intermediary to produce a document by printing the information recorded in a file.

Article 72(1)The case specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, is the case in which a financial service intermediary designates a specified date and provides the following particulars, either by posting them in a location easily visible to the public at its place of business or office, or by other appropriate means:

(2)The date specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, is to be the date designated by a financial service intermediary under the preceding paragraph, which is the latest date within one year from the date of acceptance (meaning the date of acceptance prescribed in paragraph (2), item (i) of the same Article; the same applies in paragraph (2), item (iv) of the following Article and in Article 74).

Article 73(1)The particulars specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (2), item (iv), (a) of the Financial Instruments and Exchange Act as applied mutatis mutandis, are the facts that the provisions stated in the items of Article 45 (excluding items (iii) and (iv)) of the Financial Instruments and Exchange Act as applied mutatis mutandis do not apply when the applicant (meaning the applicant prescribed in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act as applied mutatis mutandis; the same applies in the following paragraph) falls under any of the persons specified in the items of Article 45 (excluding items (iii) and (iv)) of the Financial Instruments and Exchange Act as applied mutatis mutandis with respect to the subject contract (meaning the subject contract prescribed in Article 34-3, paragraph (2), item (ii) of the Financial Instruments and Exchange Act as applied mutatis mutandis; the same applies in the following paragraph and in Article 75) (excluding the cases prescribed in the proviso to Article 45 of the same Act as applied mutatis mutandis).

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

Article 74(1)The period specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, is to be eleven months (or, in the cases stated in the following items, the period specified in each relevant item):

(2)With respect to the application of 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, the term "date of acceptance" in the items of the preceding paragraph is deemed to be replaced with "day following the previous expiration date".

Article 75The particulars specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (11) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 76(1)An individual specified by Cabinet Office Order, as prescribed in Article 34-4, paragraph (1), item (i) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, is one who meets any of the following requirements:

(2)The individuals specified by Cabinet Office Order, as prescribed in Article 34-4, paragraph (1), item (i) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 77The requirements specified by Cabinet Office Order, as prescribed in Article 34-4, paragraph (1), item (ii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are to satisfy all of the following requirements:

Article 78(1)The case specified by Cabinet Office Order, as prescribed 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 the same Act, is the case in which a financial service intermediary designates a specified date and provides the following particulars, either by posting them in a location easily visible to the public at its place of business or office, or by other appropriate means:

(2)The day specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, which is, in turn, applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the same Act, as applied mutatis mutandis, is to be the latest of the day designated by a financial service intermediary pursuant to the provisions of the preceding paragraph, and a day within one year from the date of acceptance.

Article 79(1)The particulars specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (2), item (iv), (a) of the Financial Instruments and Exchange Act, as applied mutatis mutandis to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, mean that the provisions stated in each item of Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis (excluding items 3 and 4), do not apply in cases where the applicant is a person specified in the relevant item regarding a subject contract (meaning the subject contract as prescribed in item (2) of that paragraph; the same applies in the following paragraph and Article 81) (except in the cases prescribed in the proviso to Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis).

(2)The particulars specified by Cabinet Office Order, as prescribed 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 the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 80(1)The period specified by Cabinet Office Order, as prescribed in Article 34-3, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, which is, in turn, applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the same Act, as applied mutatis mutandis, is to be eleven months (in the cases stated in the following items, the period is to be as specified in each respective item):

(2)With respect to the application of 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, which is, in turn, applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, the term "date of acceptance" in the items of the same paragraph is deemed to be replaced with "the day following the previous expiration date".

Article 81The particulars specified by Cabinet Office Order, as prescribed 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 the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 82The acts specified by Cabinet Office Order, as prescribed in the paragraphs of Article 37 of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are to be the provision of identical information to multiple persons by any of the following means: postal mail; correspondence delivery (meaning the correspondence delivery prescribed in Article 2, paragraph (2) of the Act on Correspondence Delivery by Private Business Operators (Act No. 99 of 2002). provided by a general correspondence delivery operator prescribed in paragraph (6) of the same Article or a specified correspondence delivery operator prescribed in paragraph (9) of the same Article); transmission by facsimile devices; electronic mail transmission (meaning electronic mail as prescribed in Article 2, item (i) of the Act on Regulation of Transmission of Specified Electronic Mail); distribution of leaflets or pamphlets; or any other means (excluding those stated below):

Article 83(1)When engaging in advertising or any acts prescribed in the preceding Article (referred to below as "advertising, etc." in this Subsection) regarding the details of its financial service intermediary business operations related to a specified financial service contract, a financial service intermediary must clearly and accurately indicate the particulars stated in the items of Article 37, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis.

(2)When engaging in advertising, etc. regarding the details of its financial service intermediary business operations related to a specified financial service contract, a financial service intermediary is to indicate the particulars stated in Article 35, paragraph (1), item (ii) of the Order, using letters or numerical characters in a size that is not significantly different from the size of the largest letters or numerical characters representing other particulars.

(3)When a financial service intermediary intends to advertise the details of its financial service intermediary business operations related to a specified financial service contract by having it broadcast via the broadcasting facilities of a basic broadcaster (meaning the basic broadcaster prescribed in Article 2, item (xxiii) of the Broadcast Act (Act No. 132 of 1950), excluding the Japan Broadcasting Corporation and the Open University of Japan (meaning the Open University of Japan prescribed in Article 3 of the Act on the Open University of Japan (Act No. 156 of 2002)); the same applies in Article 86, paragraph (1), item (ii)), or by any of the methods stated in the items of the same paragraph (excluding the method of sound broadcasting), notwithstanding the provisions of the preceding paragraph, the financial service intermediary is to indicate the particulars stated in Article 35, paragraph (2), item (i) of the Order, using letters or numerical characters in a size that is not significantly different from the size of the largest letters or numerical characters representing other particulars.

Article 84(1)The particulars specified by Cabinet Office Order, as prescribed in Article 35, paragraph (1), item (i) of the Order, are the amount of the fees, etc. by type or their upper limit, or an outline of the method of their calculation (in the case of a contract for a specified deposit, etc., including the ratio to the principal amount relating to the contract for a specified deposit, etc.; and in the case of a specified financial service contract (excluding a contract for a specified deposit, etc. and a specified insurance contract), including the ratio to the price of the securities relating to the specified financial service contract, the amount of the investment property (meaning the investment property prescribed in Article 35, paragraph (1), item (xv) of the Financial Instruments and Exchange Act; the same applies in Article 92, paragraph (1) and Article 111, paragraph (1), item (xix)), or the profit generated by the conclusion of the specified financial service contract; the same applies below in this paragraph), and the total amount by type or its upper limit, or an outline of the method of its calculation; provided, however, that if these particulars cannot be stated, a statement confirming this and the reasons must be provided.

(2)When the specified financial service contract stated in the preceding paragraph relates to the acquisition of the right to be indicated on the securities stated in Article 2, paragraph (1), item (x) or (xi) of the Financial Instruments and Exchange Act (referred to below as the "investment trust beneficial interests, etc." in this Article) and the property relating to those investment trust beneficial interests, etc. is to be invested or contributed in other investment trust beneficial interests, etc. (referred to below as the "target investment trust beneficial interests, etc." in this Article), the fees, etc. stated in the preceding paragraph include trust fees and other fees, etc. relating to those target investment trust beneficial interests, etc.

(3)When the property relating to the target investment trust beneficial interests, etc. stated in the preceding paragraph is to be invested or contributed in other investment trust beneficial interests, etc., those other investment trust beneficial interests, etc. are considered target investment trust beneficial interests, etc., and the provisions of the preceding two paragraphs are applied to them.

(4)The provisions of the preceding paragraph apply mutatis mutandis when the property relating to investment trust beneficial interests, etc. that were considered target investment trust beneficial interests, etc. pursuant to the provisions of the same paragraph (including as applied mutatis mutandis pursuant to this paragraph) is to be invested in or contributed to other investment trust beneficial interests, etc.

Article 85The particulars specified by Cabinet Office Order, as prescribed in Article 35, paragraph (1), item (iii) of the Order, is as follows:

Article 86(1)The methods specified by Cabinet Office Order, as prescribed in Article 35, paragraph (2) of the Order, are as follows:

(2)The particulars specified by Cabinet Office Order, as prescribed in Article 35, paragraph (2), item (ii) of the Order, are those stated in Article 82, item (iii), (a), 4. or (b), 4.

Article 87The particulars specified by Cabinet Office Order, as prescribed in Article 37, paragraph (2) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 88(1)The particulars stated in the items of Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis (excluding item (vi); the same applies in paragraph (3)), must be clearly and accurately stated in a document to be delivered prior to conclusion of contract, using letters and numerical characters larger than 8-point as prescribed in Z8305 of Japanese Industrial Standards based on the Industrial Standardization Act (Act No. 185 of 1949) (referred to below as "Japanese Industrial Standards").

(2)Notwithstanding the provisions of the preceding paragraph, the particulars specified in the following items, in accordance with the category of specified financial service contracts stated in each item, are to be clearly and accurately stated—within the frame of document to be delivered prior to conclusion of contract, and after the particulars prescribed in the following paragraph—using letters and numerical characters larger than 12-point, as prescribed in Z8305 of the Japanese Industrial Standards:

(3)When preparing a document to be delivered prior to conclusion of contract, a financial service intermediary is to indicate, in plain language, especially important particulars that may affect a customer's decisions, using letters and numerical characters of 12-point or larger, as prescribed in Z8305 of the Japanese Industrial Standards. This applies mutatis mutandis to the particulars stated in Article 93, item (i) or Article 94, item (i), as well as the particulars stated in the items of Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act.

Article 89The provision of information under Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, is to be made by delivering a document to be delivered prior to conclusion of contract .

Article 90(1)The cases specified by Cabinet Office Order, as prescribed in the proviso to Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows in cases where the specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a contract for a specified deposit, etc.:

(2)When, within one year from the date of delivery of a document related to a foreign currency deposit, etc. (including the date on which such a document is deemed to have been delivered under this paragraph), a financial service intermediary has provided intermediary services for the conclusion of a contract for a specified deposit, etc. relating to a foreign currency deposit, etc. (limited to cases where the customer has expressed the intent not to require delivery of the document to be delivered prior to conclusion of contract), the document related to the foreign currency deposit, etc. is deemed to have been delivered on the date of the conclusion of that contract for a specified deposit, etc., and the provisions of item (i) of the preceding paragraph apply.

(3)When, within one year from the date of delivery of a document to be delivered prior to conclusion of contract (including the date on which a contract for a specified deposit, etc. was concluded, in cases where a document to be delivered prior to conclusion of contract is not delivered for the contract for a specified deposit, etc. under paragraph (1), item (i), and the date on which document to be delivered prior to conclusion of contract is deemed to have been delivered under this paragraph), a financial service intermediary has provided intermediary services for the conclusion of another contract for a specified deposit, etc. with the same content as the contract for a specified deposit, etc. relating to the document to be delivered prior to conclusion of contract, that document is deemed to have been delivered on the date of the conclusion of that other contract, and the provisions of paragraph (1), item (ii) apply.

(4)The "provision, etc. of important information in a simple manner" stated in paragraph (1), item (v) means either delivering a document that states the following particulars in a simple manner, or providing the particulars to be stated in such a document by electronic or magnetic means, and giving explanations of these particulars (including responding to customers' questions based on the examples of questions stated in item (i)):

Article 91(1)When a specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a specified financial service contract other than a contract for a specified deposit, etc. or a specified insurance contract (referred to below in this Article simply as a "specified financial service contract"), the cases specified by Cabinet Office Order, as prescribed in the proviso to Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)The provisions of Article 27-30-9, paragraph (1) of the Financial Instruments and Exchange Act, Article 23-2 of the Cabinet Office Order on Disclosure of Corporate Affairs (Ministry of Finance Order No. 5 of 1973), Article 18-2 of the Cabinet Office Order on the Disclosure of Information, etc. on Issuers of Foreign Government Bonds, etc. (Ministry of Finance Order No. 26 of 1972), and Article 32-2 of the Cabinet Office Order on Disclosure of Information on Regulated Securities (Ministry of Finance Order No. 22 of 1993) apply mutatis mutandis to the delivery of the documents under item (iii) of the preceding paragraph.

(3)When a financial service intermediary has provided intermediary services for the conclusion of a specified financial service contract for the purchase and sale, etc. of listed securities, etc., within one year from the day on which a document on listed securities, etc. is delivered (including the day on which the document on listed securities, etc. is deemed to have been delivered under this paragraph), the document on listed securities, etc. is deemed to have been delivered on the date of the conclusion of that specified financial service contract, and the provisions of paragraph (1), item (i) apply.

(4)When, within one year from the day on which a document to be delivered prior to conclusion of contract is delivered (including the day on which the document is deemed to have been delivered under this paragraph), a financial service intermediary has provided intermediary services for the conclusion of another specified financial service contract that is in substance identical to the specified financial service contract relating to the document to be delivered prior to conclusion of contract, the document to be delivered is deemed to have been delivered on the date of the conclusion of that other contract, and the provisions of paragraph (1), item (ii) apply.

(5)Regarding the application of the provisions of paragraph (1), item (iii) to a prospectus concerning the securities stated in Article 2, paragraph (1), item (x) of the Financial Instruments and Exchange Act (when there is a document to be delivered as an integral part of a prospectus under paragraph (1), item (iii), the prospectus and the document), the phrase "by a method equivalent to that prescribed in Article 88" in the same item is deemed to be read as "in the case".

(6)The "provision, etc. of important information in a concise manner" stated in paragraph (1), item (vii) means delivering a document that states the following particulars or providing the particulars to be stated in the document by electronic or magnetic means, along with an explanation of these particulars (including responding to customers' questions based on the example questions stated in item (i)):

Article 92(1)The particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (iv) of the Financial Instruments and Exchange Act, as applied mutatis mutandis are: the amount of fees, etc. payable by a customer in relation to a specified financial service contract, the upper limit of those fees, or the method of calculating them (in the case of a contract for a specified deposit, etc., including the ratio to the principal amount , and in the case of a specified financial service contract other than a contract for a specified deposit, etc. and a specified insurance contract, including the ratio to the price of securities or the amount of investment property related to the contract, or the ratio to the profit generated by the conclusion of the contract; the same applies below in this paragraph); the total amount by type or its upper limit ; or the method of calculating the total; provided, however, if these details cannot be stated, a statement confirming this, along with the reasons, are to be provided.

(2)The provisions of Article 84, paragraphs (2) through (4) apply mutatis mutandis to the fees, etc. stated in the preceding paragraph (limited to the fees, etc. payable by a customer in relation to a specified financial service contract (excluding a contract for a specified deposit, etc. and a specified insurance contract)).

Article 93When a specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a contract for a specified deposit, etc., the particulars to be specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 94When a specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a specified financial service contract other than a contract for a specified deposit, etc. or a specified insurance contract (simply referred to below as a "specified financial service contract" in this Article), the particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 95(1)In addition to the particulars stated in the items of the preceding Article, when a specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion (excluding a contract for a specified deposit, etc. and a specified insurance contract; the same applies in paragraph (3)), involving the purchase, sale, or other transactions in securities, the particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)Notwithstanding the provisions of the same paragraph, when a counterparty financial institution is required to deliver a document prescribed in Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act to a customer under the same paragraph concerning a single purchase, sale, or other transactions in securities, and the counterparty financial institution has delivered that document containing the particulars stated in the items of the preceding paragraph, a financial service intermediary is not required to state those particulars again in a document to be delivered prior to the conclusion of a contract.

(3)Notwithstanding the provisions of the same paragraph, when a specified financial service contract, for the conclusion of which a financial service intermediary provides an intermediary service relating to the sale of securities, and the customer for the specified financial service contract is the issuer or owner of those securities, the financial service intermediary is not required to state the particulars stated in the items of paragraph (1) in a document to be delivered prior to conclusion of contract.

Article 96(1)In addition to the particulars prescribed in paragraph (1) of the preceding Article, when a specified financial service contract (excluding a contract for a specified deposit, etc. and a specified insurance contract), for which a financial service intermediary provides an intermediary service for its conclusion, involving the purchase, sale, or other transactions in the securities stated in Article 2, paragraph (1), item (xiv) of the Financial Instruments and Exchange Act or the securities stated in item (xvii) of the same paragraph (limited to those that have the characteristics of the securities stated in item (xiv) of the same paragraph) (referred to below as "beneficial interests in trust, etc." in this Article), the particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)The provisions of paragraph (2) of the preceding Article apply mutatis mutandis to the purchase, sale, or other transactions in beneficial interests in trust, etc. In this case, the term "the items of the preceding paragraph" in that paragraph is deemed to be replaced with "the items of paragraph (1) of the following Article".

(3)The provisions of paragraph (3) of the preceding Article apply mutatis mutandis to beneficial interests in trust, etc. In this case, the term "paragraph (1)" in that paragraph is deemed to be replaced with "paragraph (1) of the following Article".

Article 97(1)In addition to the particulars prescribed in Article 95, paragraph (1), and notwithstanding the provisions of the preceding Article, paragraph (1), when a specified financial service contract (excluding a contract for a specified deposit, etc. and a specified insurance contract), for which a financial service intermediary provides an intermediary service for its conclusion, involves the purchase, sale, or other transactions in a beneficial interest in a commodity fund (referred to as a "commodity fund-related transaction" in item (xxx), the following paragraph, and Article 103), the particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)The provisions of Article 95, paragraph (2) apply mutatis mutandis to a commodity fund-related transaction. In this case, the term "the items of the preceding paragraph" in the same paragraph is deemed to be replaced with "the items of Article 97, paragraph (1)".

(3)The provisions of Article 95, paragraph (3) apply mutatis mutandis to beneficial interests in a commodity fund. In this case, the term "paragraph (1)" in the same paragraph is deemed to be replaced with "Article 97, paragraph (1)".

(4)The term "beneficial interest in a commodity fund" referred to in paragraph (1) and the preceding paragraph means the right to be indicated on the securities stated in Article 2, paragraph (1), item (xiv) of the Financial Instruments and Exchange Act, or on the securities stated in item (xvii) of the same paragraph (limited to those have the characteristics of the securities stated in item (xiv) of the same paragraph), which is a right to receive distributions of profits and refunds of the principal from a trust that is primarily intended to invest its trust property through the following acts:

Article 98(1)In addition to the particulars stated in the items of Article 94, when a specified financial service contract (excluding a contract for a specified deposit, etc. and a specified insurance contract), for which a financial service intermediary provides an intermediary service for its conclusion, constitutes an investment advisory contract, the particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)The provisions stated in the following items do not apply to the cases specified in each item:

(3)The provisions of Article 95, paragraph (2) apply mutatis mutandis to an investment advisory contract. In this case, the term "the items of the preceding paragraph" in the same paragraph is deemed to be replaced with "the items of Article 98, paragraph (1)".

Article 99(1)In addition to the particulars stated in the items of Article 94, when a specified financial service contract (excluding a contract for a specified deposit, etc. and a specified insurance contract), for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a discretionary investment contract, the particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)In addition to the particulars prescribed in the preceding paragraph, when a specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a discretionary investment contract, and where, under the relevant policy, the subject securities of a specific issue are to be designated as the subject of investment after the discretionary investment contract is concluded, the particulars specified by Cabinet Office Order, as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(3)The provisions of Article 95, paragraph (2) apply mutatis mutandis to a discretionary investment contract. In this case, in the same paragraph, the term "the items of the preceding paragraph" is deemed to be replaced with "the items of paragraph (1) and paragraph (2) of Article 99"; the term "the provisions of the same paragraph" is deemed to be replaced with "these provisions"; and the term "the items of the same paragraph" is deemed to be replaced with "the items of paragraph (1) and paragraph (2) of the same Article".

(4)The term "subject securities" referred to in paragraph (2) means the following securities (excluding those securities for which the disclosure prescribed in Article 4, paragraph (7) of the Financial Instruments and Exchange Act has been made):

Article 100The following particulars must be stated in a document prescribed in Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, that is to be prepared when a contract for a specified deposit, etc. is concluded (the document is referred to below as a "document to be delivered upon conclusion of contract" in this Subsection):

Article 101The following particulars must be stated in a document to be delivered upon the conclusion of a contract, which document is to be prepared when a specified financial service contract—other than a contract for a specified deposit, etc. and a specified insurance policy—is effected:

Article 102(1)In addition to the particulars prescribed in the items of the preceding Article, the following particulars must be stated in a document to be delivered upon the conclusion of a contract that is to be prepared when a specified financial service contract involving the purchase, sale, or other transactions in securities is concluded:

(2)Notwithstanding the provisions of the same paragraph, when a counterparty financial institution is required to deliver a document prescribed in Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act to a customer under the same paragraph concerning a single purchase, sale, or other transactions in securities, and the counterparty financial institution has delivered that document containing the particulars stated in the items of the preceding paragraph, a financial service intermediary is not required to state those particulars again in a document to be delivered upon the conclusion of a contract.

Article 103(1)In addition to the particulars stated in paragraph (1) of the preceding Article, the document to be provided at the time of the conclusion of a specified financial services contract for commodity fund-related transactions must include the following particulars:

(2)The provisions of paragraph (2) of the preceding Article apply mutatis mutandis to commodity fund-related transactions. In this case, the term "the items of the preceding paragraph" in the same paragraph is deemed to be replaced with "the items of paragraph (1) of the following Article".

Article 104(1)In addition to the particulars stated in each item of Article 101, the document to be delivered at the time of the conclusion of an investment advisory contract must include the following particulars:

(2)The provisions stated in the following items do not apply to the cases specified in each item:

(3)The provisions of Article 102, paragraph (2) apply mutatis mutandis to an investment advisory contract. In this case, the term "the items of the preceding paragraph" in the same paragraph is deemed to be replaced with "the items of Article 104, paragraph (1)".

Article 105(1)In addition to the particulars stated in the items of Article 101, the document to be delivered upon the conclusion of a contract must include the following particularswhen a discretionary investment contract is effected:

(2)The provisions of Article 102, paragraph (2) apply mutatis mutandis to a discretionary investment contract. In this case, the term "the items of the preceding paragraph" in the same paragraph is deemed to be replaced with "the items of Article 105, paragraph (1)".

Article 106(1)The cases specified by Cabinet Office Order, as prescribed in the proviso to Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis to the document delivered at the time of the conclusion of a contract for a specified deposit, etc., are as follows:

(2)When, within one year from the date of delivery of a document related to a foreign currency deposit, etc. (including the date on which such a document on foreign currency deposit, etc.is deemed to have been delivered under this paragraph), a financial service intermediary has provided intermediary services for the conclusion of a contract for a specified deposit, etc. relating to a foreign currency deposit, etc. (limited to cases where the customer has expressed the intent not to require delivery of the document upon the conclusion of the contract), the document related to the foreign currency deposit, etc. is deemed to have been delivered on the date of the conclusion of that contract for a specified deposit, etc., and the provisions of item (i) of the preceding paragraph apply.

(3)When, within one year from the date delivery of a document to be delivered upon the conclusion of a contract (including the date on which a contract for a specified deposit, etc. was concluded where such a document was not delivered for that contract for specified deposit, etc.under paragraph (1), item (i); and the date on which such a document is deemed to have been delivered under this paragraph), a financial service intermediary has provided intermediary services for the conclusion of another contract for a specified deposit, etc. with the same content as the contract for a specified deposit, etc.related to the document to be delivered upon the conclusion of a contract, the document is deemed to have been delivered on the date of the conclusion of that other contract, and the provisions of paragraph (1), item (ii) apply.

Article 107(1)When a specified financial service contract other than a contract for a specified deposit, etc. or a specified insurance contract (simply referred to below as a "specified financial service contract" in this paragraph) is concluded, the cases specified by Cabinet Office Order, as prescribed in the proviso to Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)In lieu of delivering a document pursuant to the provisions of item (i) of the preceding paragraph, a financial service intermediary may provide the particulars to be stated in the document (referred to as the "particulars to be stated" in the following paragraph) by electronic or magnetic means (excluding the method stated in Article 2, paragraph (1), item (i), (d); the same applies in the following paragraph) with the customer's consent. In such a case, the financial service intermediary is deemed to have delivered the document.

(3)The provisions of Article 3, paragraphs (2) and (3) apply mutatis mutandis to cases where a financial service intermediary intends to provide the particulars to be stated by electronic or magnetic means under the preceding paragraph. In such cases, the terms "the preceding paragraph" and "the items of paragraph (1) of the preceding Article" in paragraph (2) of the same Article are deemed to be replaced with "Article 107, paragraph (2)" and "paragraph (1), item (i), (a) through (c) or item (ii) of the preceding Article", respectively.

(4)In the case referred to in paragraph (2), with regard to the application of the provisions of Article 2, paragraph (2) (excluding item (iii), (b) and item (iv)), the phrase "the transaction stated in the particulars to be stated was finally conducted" in item (iii) of the same paragraph is deemed to be replaced with "the particulars to be stated were recorded".

(5)"A method utilizing information and communications technology," as referred to in paragraph (1), item (iv), (a) and (b), means the following methods; provided, however, that the method must enable a financial service intermediary to prepare a document by printing out the information recorded in the files:

Article 108The credit ratings specified by Cabinet Office Order, as prescribed in Article 38, item (iii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are to be the following credit ratings (meaning the credit ratings prescribed in Article 2, paragraph (34) of the Financial Instruments and Exchange Act; the same applies below and in the following Article):

Article 109(1)The particulars specified by Cabinet Office Order, as prescribed in Article 38, item (iii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)Notwithstanding the provisions of the preceding paragraph, with respect to credit ratings determined by a specified associated corporation (meaning the specified associated corporation prescribed in Article 116-3, paragraph (2) of the Cabinet Office Order on Financial Instruments Business; the same applies below in this paragraph), the particulars specified by Cabinet Office Order, as prescribed in Article 38, item (iii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 110When a specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a contract for a specified deposit, etc., the acts specified by Cabinet Office Order, as prescribed in Article 38, item (ix) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 111(1)When a specified financial service contract, for which a financial service intermediary provides an intermediary service for its conclusion, constitutes a specified financial service contract other than a contract for a specified deposit, etc. or a specified insurance contract (simply referred to below as a "specified financial service contract" in item (i)), the acts specified by Cabinet Office Order, as prescribed in Article 38, item (ix) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)The information to be received from or provided to the counterparty to a contract for the lending of funds or the discounting of negotiable instruments concluded by a customer through deposit, etc. intermediary business operations conducted by a principal bank, etc., which is the financial service intermediary's parent bank, etc. or subsidiary bank, etc., as referred to in item (xii), (c) of the preceding paragraph, or by the financial service intermediary itself, is as follows:

(3)The provisions of paragraph (1), item (xv) do not apply when an intermediary service is provided for a series of purchases and sales of securities, etc. where the series of purchases and sales are to be conducted on a financial instruments exchange market or an over-the-counter securities market to facilitate a public offering of securities (limited to a public offering made to 50 or more persons) or a secondary distribution of securities (limited to a secondary distribution made to 50 or more persons).

Article 112The problematic conduct specified by the Cabinet Office Order, as prescribed in Article 39, paragraph (3) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, refers to the following acts committed by a financial service intermediary or its representative, agent, employee, or other staff member (referred to as the "representative, etc." in paragraph (1), items (x) and (xi) of the following Article and in Article 116, item (iii), (a)), in connection with the financial service intermediary's business operations, in relation to the conclusion of a specified financial service contract (excluding a contract for a specified deposit, etc. and a specified insurance contract; the same applies below in this Article), that causes any kind of loss to a customer:

Article 113(1)The cases specified by Cabinet Office Order, as prescribed in the proviso to Article 39, paragraph (3) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

(2)The benefit referred to in item (x) of the preceding paragraph is to be calculated for each category of the acts stated in the items of the preceding Article. In this case, the amount of the financial benefit offered, promised, or provided in the case listed in item (xi) of the same paragraph is to be deducted from the profit amount for the categories of acts listed in items (iii) and (iv) of the same Article.

(3)When a financial service intermediary has offered or promised to provide, or has provided, any property benefit to a customer in the cases stated in paragraph (1), items (ix) through (xi), without obtaining the confirmation referred to in the proviso to Article 39, paragraph (3) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, it must report the particulars stated in the items of Article 116 to the Director-General of a Local Finance Bureau having jurisdiction over the location of the place of business or office where the problematic conduct relating to that offer, promise, or provision occurred (to the Director-General of the Fukuoka Local Finance Branch Bureau if that location falls within its jurisdiction, or to the Director-General of the Kanto Local Finance Bureau if the financial service intermediary has no place of business or office in Japan), no later than the last day of the month immediately following the month in which the offer, promise, or provision occurred.

Article 114The investment trust specified by Cabinet Office Order, as prescribed in Article 39, paragraph (4) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, refers to a bond investment trust, the beneficial interest of which is acquired or held for the purpose of being used in payments or receipts of money in connection with the purchase, sale, or other transactions in securities between a customer and a counterparty financial institution.

Article 115Any person intending to obtain the confirmation stated in the proviso to Article 39, paragraph (3) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, must submit a written application, along with the accompanying documents referred to in paragraph (7) of the same Article, to the Commissioner of the Financial Services Agency, etc.

Article 116The particulars specified by Cabinet Office Order, as prescribed in Article 39, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 117(1)The documents specified by Cabinet Office Order, as prescribed in Article 39, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are those that confirm the customer has acknowledged the details of the particulars stated in the items of the preceding Article, along with any other materials that are useful for reference.

(2)The provisions of the preceding paragraph do not apply when the written application referred to in Article 39, paragraph (7) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, relates to an application referred to in paragraph (1), item (ii) of the same Article.

Article 118The circumstances specified by Cabinet Office Order, as prescribed in Article 40, item (ii) of the Financial Instruments and Exchange Act, as applied mutatis mutandis, are as follows:

Article 119The cases specified by Cabinet Office Order, as prescribed in the proviso to Article 45 of the Financial Instruments and Exchange Act, as applied mutatis mutandis, refer to cases where a financial service intermediary has not established a system to enable it to promptly respond to customers' inquiries regarding specified financial service contracts that customers have concluded, in relation to the application of the provisions of Article 37-4 of the Financial Instruments and Exchange Act, as applied mutatis mutandis.

Article 120(1)The certificate prescribed in Article 12-4, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis pursuant to Article 32 of the Act (referred to below as the "Money Lending Business Act as applied mutatis mutandis" in this Subsection and in Article 139, paragraphs (5) and (9)), is to contain the following particulars, and the employee's photograph must be affixed to the certificate:

(2)Business operations relating to the loan intermediary business operations prescribed in Article 12-4, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis, do not include business operations conducted solely for advertisement without solicitation, or business operations conducted without meeting persons seeking funds, etc. (meaning the persons seeking funds, etc. prescribed in Article 28, paragraph (2) of the Act) face-to-face at a place of business or office.

(3)When engaging in business operations relating to the loan intermediary business operations, an employee must present the certificate referred to in paragraph (1) upon the request of a counterparty.

Article 121(1)The particulars specified by Cabinet Office Order, as prescribed in Article 12-4, paragraph (2) of the Money Lending Business Act, as applied mutatis mutandis, are as follows with respect to each employee engaged in business operations relating to loan intermediary business operations:

(2)The roster of employees form prescribed in Article 12-4, paragraph (2) of the Money Lending Business Act, as applied mutatis mutandis, is to be prepared in accordance with Appended Form 6.

(3)A financial service intermediary must preserve the roster of employees prescribed in Article 12-4, paragraph (2) of the Money Lending Business Act, as applied mutatis mutandis, for 10 years from the date on which the most recent entry was made.

Article 122The contracts specified by Cabinet Office Order, as prescribed in Article 12-7 of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

Article 123The measures specified by Cabinet Office Order, as prescribed in Article 12-8, paragraph (5) of the Money Lending Business Act, as applied mutatis mutandis, are the provision of land, buildings, or other property as collateral to secure the performance of obligations under a loan contract.

Article 124A financial service intermediary must preserve the record prescribed in Article 12-8, paragraph (7) of the Money Lending Business Act as applied mutatis mutandis until the final repayment due date provided in the loan contract prescribed in paragraph (6) of the same Article (when the claim under the loan contract has been extinguished due to payment or on any other grounds, the day of the extinguishment of the claim (when the loan contract is a basic contract for a revolving credit loan (meaning a loan contract under which a financial service intermediary, upon request from a customer who is a borrower of funds, extends loans up to a maximum amount, on the condition that the customer repays the loans according to predetermined terms; the same applies below in this Chapter) or a contract for a revolving credit loan (meaning a loan made under a basic contract for a revolving credit loan; the same applies below in this Chapter), the day of cancellation of the basic contract for a revolving credit loan or the latest date among the final repayment due dates provided in all the contracts for revolving credit loans under the basic contract for a revolving credit loan (when all the claims under these contracts have been extinguished upon payment or on any other grounds, the day of the extinguishment of the claims), whichever comes later)).

Article 125The contract specified by Cabinet Office Order, as prescribed in Article 12-8, paragraph (8) of the Money Lending Business Act, as applied mutatis mutandis, is a contract for a guarantee charge, in which the guarantee business operator prescribed in Article 35, paragraph (2) of the Act provides a guarantee for an obligation under a loan contract (limited to a loan contract in which the amount of interest is not fixed (excluding cases where the interest payable on the principal obligation is determined by a variable interest rate after the interest contract has been concluded)) as the principal obligation.

Article 126The contract specified by Cabinet Office Order, as prescribed in Article 12-8, paragraph (9) of the Money Lending Business Act, as applied mutatis mutandis, is a contract for a revolving guarantee (meaning the contract for a revolving guarantee prescribed in the same paragraph; the same applies below in this Article):

Article 127A juridical act specified by Cabinet Office Order, as prescribed in Article 12-8, paragraph (10) of the Money Lending Business Act, as applied mutatis mutandis, is either of the following acts:

Article 128(1)The methods specified by Cabinet Office Order, as prescribed in Article 14, paragraph (1), item (i) of the Money Lending Business Act, as applied mutatis mutandis, are the methods specified in the following items, according to the category stated in each item:

(2)What is specified by Cabinet Office Order as being equivalent to the loan interest rate prescribed in Article 14, paragraph (1), item (1) of the Money Lending Business Act, as applied mutatis mutandis, is the name of the base market interest rate and the interest rate to be added to it when calculating the loan interest rate (meaning the loan interest rate prescribed in the same item; the same applies below in this section), using interest calculated by adding a specified interest rate to the market interest rate.

(3)The particular specified by Cabinet Office Order, as prescribed in Article 14, paragraph (1), item (v) of the Money Lending Business Act, as applied mutatis mutandis, is the method of calculating the intermediary fee (meaning the money that the financial service intermediary receives for its loan intermediary services, regardless of the name under which the intermediary services are provided; the same applies below in this Subsection) (including the intermediary rate (meaning the ratio of the intermediary fee to the total amount of money lent and borrowed through the intermediary services (limited to the rate expressed as a percentage, at least to the first decimal place)); the same applies below in this Subsection).

(4)When posting a loan interest rate pursuant to the provisions of Article 14, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis, a financial service intermediary is to indicate the annual rate—calculated using the principal amount derived from Formula 1 or Formula 2 in the Appended Table, or by a method designated by the Commissioner of the Financial Services Agency as equivalent to these formulae—as a percentage, to at least the first decimal place.

(5)The posting under Article 14, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis, must be made in a readily visible manner for each type of loan offered at the place of business or office.

Article 129(1)The particulars specified by Cabinet Office Order, as prescribed in Article 15, paragraph (1), item (iii) of the Money Lending Business Act, as applied mutatis mutandis, are the method of calculating the intermediary fee and the telephone number registered in the register of financial service intermediaries prescribed in Article 14, paragraph (1) of the Act (limited to cases where the website URL or email address registered in the register of financial service intermediaries is indicated or explained).

(2)The provisions of paragraph (4) of the preceding Article apply mutatis mutandis to cases where a financial service intermediary makes an indication or provides an explanation under Article 15, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis. In such cases, where the type of loan is to be clearly indicated, interest rates other than the loan interest rate may also be indicated.

(3)When a financial service intermediary advertises loan conditions or indicates or explains loan conditions in the course of soliciting the conclusion of a loan contract (meaning the loan contract prescribed in Article 2, paragraph (3) of the Money Lending Business Act, and limited to loan contracts relating to loan intermediary business operations; the same applies below in this Chapter), the financial service intermediary must clearly and accurately indicate or explain the particulars stated in the items of Article 15, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis.

(4)What is specified by Cabinet Office Order as being equivalent to an advertisement as prescribed in Article 15, paragraph (2) of the Money Lending Business Act, as applied mutatis mutandis, is a solicitation of similar content made to multiple persons.

(5)The points of contact, etc. specified by Cabinet Office Order as prescribed in Article 15, paragraph (2) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(6)When advertising loan conditions, a financial service intermediary must not make any advertisement that violates the Act against Unjustifiable Premiums and Misleading Representations (Act No. 134 of 1962), a Prefectural Order issued based on Article 3, paragraph (1) of the Outdoor Advertisement Act (Act No. 189 of 1949), or any other applicable laws and regulations.

Article 130(1)The particulars specified by Cabinet Office Order, as prescribed in Article 16-2, paragraph (1), item (vii) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(2)The particulars specified by Cabinet Office Order, as prescribed in Article 16-2, paragraph (2), item (vi) of the Money Lending Business Act, as applied mutatis mutandis, are the particulars stated in the preceding paragraph.

(3)When, in relation to the conclusion of a loan contract, a money lender has delivered a document that includes the particulars stated in the items of paragraph (1) or the particulars prescribed in the preceding paragraph to a person intending to become the counterparty to that loan contract, pursuant to Article 16-2, paragraph (1) or (2) of the Money Lending Business Act, the financial service intermediary is not required to state those particulars again in the document prescribed in Article 16-2, paragraph (1) or (2) of the Money Lending Business Act as applied mutatis mutandis, notwithstanding the provisions of the preceding two paragraphs.

(4)The particulars specified by Cabinet Office Order, as prescribed in Article 16-2, paragraph (3), item (iv) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(5)What is specified by Cabinet Office Order, as prescribed in Article 16-2, paragraph (3), item (v) of the Money Lending Business Act, as applied mutatis mutandis, is the intent of the provisions of Article 454 of the Civil Code.

(6)The particulars specified by Cabinet Office Order, as prescribed in Article 16-2, paragraph (3), item (vi) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(7)When a financial service intermediary delivers documents explaining the details of a guarantee contract to a person who is to become a guarantor under Article 16-2, paragraph (3) of the Money Lending Business Act, as applied mutatis mutandis, the intermediary must simultaneously deliver two types of documents stating the particulars specified in the following items in accordance with the category of documents stated in each item:

(8)The provisions of Article 128, paragraph (4) apply mutatis mutandis when a financial service intermediary prepares the document to be delivered under the provisions of Article 16-2, paragraphs (1) through (3) of the Money Lending Business Act, as applied mutatis mutandis.

(9)In the document prescribed in Article 16-2, paragraphs (1) through (3) of the Money Lending Business Act as applied mutatis mutandis, the particulars to be disclosed under these provisions must be clearly and accurately stated using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards.

(10)The methods specified by Cabinet Office Order, as prescribed in Article 16-2, paragraph (4) of the Money Lending Business Act, as applied mutatis mutandis, are those stated in the items of Article 2, paragraph (1).

Article 131(1)The particulars specified by Cabinet Office Order, as prescribed in Article 16-3, paragraph (1), item (ii) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(2)In the document prescribed in Article 16-3, paragraph (1) of the Money Lending Business Act as applied mutatis mutandis, the particulars stated in the items of the same paragraph must be clearly and accurately stated using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards.

Article 132(1)The particulars specified by Cabinet Office Order, as prescribed in Article 17, paragraph (1), item (viii) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(2)The particulars specified by Cabinet Office Order, as prescribed in the second sentence of Article 17, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis are as follows (excluding those particulars when the details of changes to the particulars are stated in the document to be delivered pursuant to the second sentence of paragraph (2) of the same Article,):

(3)The particulars specified by Cabinet Office Order, as prescribed in Article 17, paragraph (2), item (vii) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(4)The particulars specified by Cabinet Office Order, as prescribed in the second sentence of Article 17, paragraph (2) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(5)The time specified by Cabinet Office Order, as prescribed in the second sentence of Article 17, paragraph (2) of the Money Lending Business Act, as applied mutatis mutandis, is any of the following:

(6)The particulars specified by Cabinet Office Order, as prescribed in the first sentence of Article 17, paragraph (3) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(7)The particulars specified by Cabinet Office Order, as prescribed in the second sentence of Article 17, paragraph (3) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(8)When a financial service intermediary delivers to the guarantor a document disclosing the details of the loan contract concerning the particulars stated in the items of paragraph (1) of the same Article, and when two or more loan contracts are covered by the guarantee, statements must be made for each contract, pursuant to the first sentence of Article 17, paragraph (4) of the Money Lending Business Act, as applied mutatis mutandis.

(9)When a financial service intermediary delivers to the guarantor a document disclosing the details of the loan contract concerning the particulars stated in the items of paragraph (1) of the same Article, that document must be delivered without delay each time a loan contract covered by the guarantee is concluded, pursuant to the first sentence of Article 17, paragraph (4) of the Money Lending Business Act, as applied mutatis mutandis.

(10)The particulars specified by Cabinet Office Order, as prescribed in the second sentence of Article 17, paragraph (4) of the Money Lending Business Act, as applied mutatis mutandis, are those specified in paragraph (2) (excluding those particulars where details of the changes to the particulars are stated in the document to be delivered pursuant to the second sentence of paragraph (5) of that Article).

(11)When a financial service intermediary delivers to the guarantor a document disclosing the details of the basic contract for a revolving credit loan concerning the particulars stated in the items of paragraph (2) of the same Article, and when two or more basic contracts for revolving credit loans are covered by the guarantee, statements must be made for each contract, pursuant to the first sentence of Article 17, paragraph (5) of the Money Lending Business Act, as applied mutatis mutandis.

(12)The particulars specified by Cabinet Office Order, as prescribed in the second sentence of Article 17, paragraph (5) of the Money Lending Business Act, as applied mutatis mutandis, are those specified in paragraph (4).

(13)The time specified by Cabinet Office Order, as prescribed in the second sentence of Article 17, paragraph (5) of the Money Lending Business Act, as applied mutatis mutandis, is that specified in paragraph (5).

(14)The provisions of Article 128, paragraph (4) apply mutatis mutandis when a financial service intermediary prepares the document to be delivered pursuant to Article 17, paragraphs (1) through (5) of the Money Lending Business Act, as applied mutatis mutandis.

(15)In the document prescribed in Article 17, paragraphs (1) through (5) of the Money Lending Business Act as applied mutatis mutandis, the particulars prescribed in them must be clearly and accurately stated using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards.

(16)When a money lender has delivered documents stating the particulars listed in the items of paragraph (1) or paragraph (3) to the counterparty to a loan contract pursuant to Article 17, paragraph (1), (2), or (5) of the Money Lending Business Act, as applied mutatis mutandis, a financial service intermediary is not required to restate those particulars in a document prescribed in Article 17, paragraph (1), (2), or (5) of the Money Lending Business Act, as applied mutatis mutandis, notwithstanding the provisions of paragraph (1) and paragraph (3).

(17)The document specified by Cabinet Office Order, as prescribed in Article 17, paragraph (6) of the Money Lending Business Act, as applied mutatis mutandis, is a document in which the following particulars are clearly and accurately stated, using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards, regarding a loan, payment, and any other transactions made during a period specified by a financial service intermediary within one month (when the financial service intermediary has not provided intermediary services for loan contracts during the specified period, the particulars stated in items (iii) through (ix), (xi) through (xvi), and (xx) are excluded, and when the financial service intermediary has not received payment during the specified period, the particulars stated in items (xvii) through (xix) are excluded):

(18)When a financial service intermediary has concluded, or has provided intermediary services for the conclusion of a loan contract, or has received payment during a specified period, the financial service intermediary is to deliver the documents stated in the preceding paragraph (in the case of providing the documents by electronic or magnetic means, they are to be sent, offered for inspection, or delivered) for that specified period within one month from the last day of that period.

(19)The provisions of Article 128, paragraph (4) apply mutatis mutandis when a financial service intermediary prepares the documents referred to in paragraph (17).

Article 133(1)The particulars specified by Cabinet Office Order, as prescribed in Article 18, paragraph (1), item (vi) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(2)Regarding the particulars stated in items (ii) and (iii) of the preceding paragraph, these particulars may be substituted by clearly indicating the loan contract related to the claim for which payment was made, along with its contract number or other identifying information.

(3)In the document prescribed in Article 18, paragraph (1) of the Money Lending Business Act as applied mutatis mutandis, the particulars prescribed in the items of the same paragraph must be clearly and accurately stated using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards.

(4)The document specified by Cabinet Office Order, as prescribed in Article 18, paragraph (3) of the Money Lending Business Act, as applied mutatis mutandis, is a document in which the particulars stated in the items of paragraph (17) of the preceding Article are clearly and accurately stated, using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards, regarding a loan, payment, and any other transactions made during a period specified by a financial service intermediary within one month (the particulars are limited to those relating to loan intermediary business operations, and when the financial service intermediary has not concluded a loan contract during the specified period, the particulars stated in items (iii) through (ix), (xi) through (xvi), and (xx) of the same paragraph are excluded, and when the financial service intermediary has not received payment during the specified period, the particulars stated in items (xvii) through (xix) of the same paragraph are excluded).

(5)When a financial service intermediary has concluded or has provided intermediary services for the conclusion of a loan contract, or has received payment during a specified period, the financial service intermediary is to deliver the documents stated in the preceding paragraph (in the case of providing the documents by electronic or magnetic means, they are to be sent, offered for inspection, or delivered) for that specified period within one month from the last day of that period.

(6)The provisions of Article 128, paragraph (4) apply mutatis mutandis when a financial service intermediary prepares the document referred to in paragraph (3).

Article 134The persons specified by Cabinet Office Order, as prescribed in Article 19-2 of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

Article 135A financial service intermediary must keep the books and documents prescribed in Article 33 of the Act (limited to those stated in Article 138, item (v)) at each of its places of business or offices, and must allow any person requesting to inspect or copy them to do so during business hours, except in the cases prescribed in Article 19-2 of the Money Lending Business Act, as applied mutatis mutandis.

Article 136(1)Cabinet Office Order, as prescribed in Article 20, paragraph (3), item (ii) of the Money Lending Business Act, as applied mutatis mutandis, specifies that in the case of a default stated in a specified notarized deed (meaning the specified notarized deed prescribed in paragraph (1) of the same Article; the same applies below in this paragraph), a financial service intermediary may carry out compulsory execution against the assets of the obligor, etc., based on the specified notarized deed, without filing a lawsuit.

(2)In the document prescribed in Article 20, paragraph (3) of the Money Lending Business Act as applied mutatis mutandis, the particulars prescribed in the items of the same paragraph must be clearly and accurately stated using letters and numerical characters larger than 8-point, as prescribed in Z8305 of the Japanese Industrial Standards.

Article 137(1)The hours specified by Cabinet Office Order, as prescribed in Article 21, paragraph (1), item (i) of the Money Lending Business Act, as applied mutatis mutandis, are between 9 p.m. and 8 a.m.

(2)When sending documents demanding payment or electronic or magnetic records in lieu of the documents to the obligor, etc., a financial service intermediary, or a person entrusted by the financial service intermediary, or any other person involved in the collection of claims under the financial service intermediary's loan contract, must use a method that ensures the confidentiality of the obligor's borrowing details. These methods include sealing the documents in an envelope, sending an email to an email address that is evidently used only by the obligor, etc., or any other method that would prevent the disclosure of the obligor's borrowing details to anyone other than the obligor, etc. pursuant to Article 21, paragraph (2) of the Money Lending Business Act as applied mutatis mutandis.

(3)The particulars specified by Cabinet Office Order, as prescribed in Article 21, paragraph (2), item (viii) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(4)In the document prescribed in Article 21, paragraph (2) of the Money Lending Business Act as applied mutatis mutandis, the particulars prescribed in the items of the same paragraph must be clearly and accurately stated using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards.

(5)The particulars specified by Cabinet Office Order, as prescribed in Article 21, paragraph (3) of the Money Lending Business Act, as applied mutatis mutandis, are as follows:

(6)The method specified by Cabinet Office Order, as prescribed in Article 21, paragraph (3) of the Money Lending Business Act, as applied mutatis mutandis, is the method of delivering or sending documents in which the particulars stated in the items of the preceding paragraph are clearly and accurately stated, using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards; provided, however, that when an employee of a financial service intermediary, or a person entrusted by the financial service intermediary or any other person with the collection of claims under the financial service intermediary's loan contract, is requested by the counterparty to disclose the trade name or name of the financial service intermediary or the name of the employee, the employee may disclose such information by presenting the certificate prescribed in Article 12-4, paragraph (1) of the Money Lending Business Act, as applied mutatis mutandis.