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

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

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

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

(3)When seeking the approval referred to in Article 1, item (v), a bank must attach a written statement of reasons to a written application for approval and submit them to the Commissioner of the Financial Services Agency.

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

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

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

(3)The amount calculated by the method specified by Cabinet Office Order, as provided in Article 2, paragraph (12) of the Act, is the total amount of assets prescribed in the preceding paragraph, as stated according to Appended Form No. 15 in annexed detailed statements associated with the financial statements for the most recent business year that a company has prepared pursuant to the provisions of Article 435, paragraph (2) of the Companies Act (if the first business year after the incorporation of the company is not completed, the total amount of assets prescribed in the preceding paragraph as stated in the balance sheet as of the time of the company's incorporation).

Article 1-3-3The acts specified by Cabinet Office Order that are provided in Article 2, paragraph (17) of the Act are the following acts that are set forth in item (i) of that paragraph; provided, however, that this excludes acts that the person in question undertakes after having acquired the identification code or other such information (meaning a code or other such information that is used by a bank when providing services using an electronic data processing system in order to identify a person receiving the services, as distinguished from other persons; the same applies in Article 34-64-9, paragraph (4), item (v)) of a depositor (meaning a depositor as prescribed in Article 2, paragraph (17), item (i) of the Act; hereinafter the same applies in this Article, the following Article, Article 34-64-9, paragraph (3), item (i), and Article 34-64-11) from that depositor:

Article 1-3-4The means specified by Cabinet Office Order that is provided for in Article 2, paragraph (17), item (i) of the Act is a means of providing a bank as referred to in that item with information on the other party to a fund transfer and the amount of the transaction, with the purpose of causing an image that will allow a depositor to instruct that bank to execute a fund transfer transaction in which funds will be transferred from an account that the depositor holds at that bank, to be displayed on the screen of the electronic device used by the depositor.

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

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

(2)The number calculated pursuant to the provisions of Cabinet Office Order prescribed in Article 3-2, paragraph (1), item (ii) of the Act is the number arrived at when the number of specified voting rights (meaning voting rights as prescribed in Article 2, paragraph (6) of the Act other than any voting rights from shares that are deemed to carry voting rights pursuant to the provisions of Article 879, paragraph (3) of the Companies Act; hereinafter the same applies in this Article) in the bank in question that each of the following items prescribes in line with the categories set forth in those items for the relevant company's consolidated companies, etc. (meaning companies, etc. as prescribed in Article 3-2, paragraph (1), item (ii) of the Act; hereinafter the same applies in this Article through Article 1-7) is combined with the number of specified voting rights in that bank that the relevant company holds, and the specified voting rights percentage (meaning the number arrived at when the number of specified voting rights in a single bank that they hold is divided by the number of specified voting rights for all of the bank's shareholders) associated with that number is multiplied by the total number of shareholder voting rights:

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

(2)In a case as referred to in the preceding paragraph, the voting rights held by a first company, etc. in which a second company, etc. holds a majority of the total shareholder or total investor voting rights are deemed to be voting rights that the second company, etc. holds.

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

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

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

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

(3)When implementing an examination under Article 4, paragraph (2) of the Act pertaining to an application for license under the preceding two paragraphs, the Prime Minister is to take inot consideration of the following particulars:

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

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

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

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

Article 5When seeking authorization for a reduction of stated capital amount under Article 5, paragraph (3) of the Act, a bank must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency, the Director General of Local Finance Bureau or Fukuoka Local Finance Branch Bureau (hereinafter referred to as the "Commissioner of the Financial Services Agency or other competent authority"):

Article 6(1)When seeking authorization for a change of trade name under Article 6, paragraph (3) of the Act, a bank must attach the following documents to a written application for authorization and submit them to the Commissioner of the Financial Services Agency or other competent authority:

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

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

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

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

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

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

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

Article 9(1)The cases specified by Cabinet Office Order that are provided for in Article 8, paragraph (1) of the Act are the following cases:

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

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

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

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

(4)When an application for authorization to close a business office under paragraph (1) is filed, the Commissioner of the Financial Services Agency or other competent authority is to examine whether the closure will not cause substantial effects to the customers of the business office, including things such as whether transactions involving the customers of that business office will be taken over by another of the applying bank's business offices or by another financial institution without any hindrance.

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

(2)When an application for authorization to conclude an outsourcing contract under the preceding paragraph is filed, the Commissioner of the Financial Services Agency or other competent authority is to examine whether it conforms to the following standards:

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

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

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

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

(3)In seeking to give a notification under Article 8, paragraph (4) of the Act, a bank must attach the documents specified in the following items to a written notification in accordance with the categories set forth in those items and submit them to the Commissioner of the Financial Services Agency or other competent authority:

Article 11Deleted

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

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

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

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

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

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

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

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

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

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

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

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

Article 13-3(1)When a bank provides information to a depositor, etc. pursuant to the provisions of Article 12-2, paragraph (1) of the Act, it is to do so through the following means:

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

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

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

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

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

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

(3)If a bank handles the financial instruments set forth in paragraph (1) at its business office, the bank must display those particulars set forth in items (i) through (iii) of the preceding paragraph in a place easily seen by customers.

(4)If a bank concludes a trust contract without agreement for compensation of the principal based on the provisions of Article 10, paragraph (2), item (viii) of or Article 12 of the Act, or acts as an agent or intermediary in the conclusion of such a contract, the bank must display that the trust contract does not have an agreement for compensation of the principal in a place easily seen by customers; and, if a bank concludes a trust contract pertaining to a monetary trust without agreement for compensation of the principal, or acts as an agent or intermediary in the conclusion of such a contract (excluding cases set forth in each item of Article 78 of the Order for Enforcement of Trust Business Act (Cabinet Office Order No. 107 of 2004)), the bank must explain those particulars set forth in each item of paragraph (2).

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

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

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

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

(3)A bank which has established a specified transaction account (hereinafter referred to as a "bank with a specified transaction account") must not perform the following acts; provided, however, this does not apply when the bank performs the acts within the scope stated in the documents set forth in Article 35, paragraph (6), item (i), (e):

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

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

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

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

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

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

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

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

Article 13-7A bank, in accordance with the content and method of its business, must set up internal regulations, etc. (meaning internal regulations and other things that are equivalent; the same applies hereinafter) on measures to provide customers with an explanation of important particulars taking into account of a customer's knowledge, experience, status of assets, and purposes of conducting a transaction and other measures in order to secure sound and appropriate business management (including the explanation of financial instruments, transactions, and their risks and measures taken by the bank as prescribed in Article 12-3, paragraph (1) of the Act by delivery of documents and other appropriate means, and measures to prevent crime), and must develop training programs for employees and other system to adequately manage its business based on the internal regulations, etc.

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

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

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

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

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

Article 13-11(1)The first corporation, etc. that controls the decision-making organ of a second corporation which is specified by Cabinet Office Order, as provided for in Article 4, paragraph (2), item (i) of the Order, means a person as specified in the following items in accordance with the category of corporation, etc. subject to consolidated accounting approach for debtors (meaning the corporation, etc. subject to consolidated accounting approach for debtors prescribed in item (i) of that paragraph; hereinafter the same applies in this Article) set forth in each item:

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

Article 14(1)Those specified by Cabinet Office Order as loans which are provided for in Article 4, paragraph (4), item (i) of the Order means lending of funds or discounting of bills and notes that have been recorded in the loan account of a balance sheet (hereinafter referred to as a "balance sheet" in this Article) as prescribed in item (iii) of the Appended Form (the Appended Form No. 3-2, in the case of a bank with a specified transaction account; or the Appended Form No. 4, in the case of a foreign bank branch (the Appended Form No. 4-2, in the case in which that foreign bank branch that falls under Article 35, paragraph (1), item (xviii) and submitted a notification under Article 53 of the Act (hereinafter referred to as a "foreign bank branch that submitted a notification of specified transaction account"))).

(2)Those specified by Cabinet Office Order as guarantee of obligations as provided in Article 4, paragraph (4), item (ii) of the Order means the accounts to be recorded in the customers' liabilities for acceptances and guarantees account item of the balance sheet.

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

(4)Those specified by Cabinet Office Order that are provided for in Article 4, paragraph (4), item (iv) of the Order means the accounts specified in the following items:

(5)The provisions of paragraph (2) and the preceding paragraph do not apply to granting of credit or making of contribution (meaning granting of credit or making of contribution as prescribed in the main clause of Article 13, paragraph (1) of the Act; hereinafter the same applies in this Article through Article 14-3, Article 14-5, and Article 14-6) to a bank's clearing organization (meaning an organization which provides certain information to a bank (including a bank other than the relevant bank), a financial instruments clearing organization (meaning a financial instruments clearing organization as prescribed in Article 2, paragraph (29) of the Financial Instruments and Exchange Act), a commodity clearing organization (meaning a commodity clearing organization as prescribed in Article 2, paragraph (18) of the Commodity Futures Act), or a foreign organization equivalent to these organizations (limited to an organization which is established in a foreign state where an appropriate framework of regulations and supervision is established and is subject to the regulations and supervision; hereinafter the same applies in this paragraph); hereinafter the same applies in this paragraph), which is related to the services conducted by the clearing organization (meaning financial instruments obligation assumption services, etc. as prescribed in Article 156-3, paragraph (1), item (vi) of the Financial Instruments and Exchange Act, commodity transaction obligation assumption services, etc. as prescribed in Article 170, paragraph (2) of the Commodity Futures Act, and the same type of services as those services which are conducted by a foreign organization) or which is specified by the Commissioner of the Financial Services Agency.

(6)Granting of credit or making of contribution conducted indirectly backed by a single asset or multiple assets (referred to as "underlying assets" in this paragraph) as security (referred to as the "indirect grant of credit or making of a contribution" in this paragraph), which is conducted through a transaction specified by the Commissioner of the Financial Services Agency, is deemed to be granting of credit or making of a contribution to a person that assumes an obligation related to each of the individual assets and transactions that constitute the underlying assets (hereinafter referred to as "each underlying asset, etc." in this paragraph) or any other person to which the credit has been indirectly extended or contribution have been indirectly made, and the amount in which credit has been extended or contribution have been made is to be recorded or calculated by a method specified by the Commissioner of the Financial Services Agency; provided, however, that this does not apply if the amount in which credit has been granted or contribution has been made for each underlying asset, etc. as recorded or calculated by that method falls below an amount equivalent to 0.25 percent of the amount of equity capital provided for in the main clause of Article 13, paragraph (1) of the Act, or in the case specified by the Commissioner of the Financial Services Agency as one in which it is inappropriate to apply that method to record or calculate the amount in which credit has been granted or contribution have been made.

Article 14-2(1)The amount in which a bank grants credit or makes contribution to a single person (meaning a single person as prescribed in the main clause of Article 13, paragraph (1) of the Act; the same applies hereinafter) (referred to as the "total amount of credit and contribution to a single entity" in the following paragraph and Article 14-5, paragraph (2), item (i)) is to be calculated by deducting the total amount as set forth in the following items in relation to the single person from the total amount in which the relevant bank has granted credit or made contribution (excluding granting of credit or making of contribution for which claims held against and obligations owed to a person specified by the Commissioner of the Financial Services Agency such as a bank are settled on the same day) that is recorded or calculated pursuant to the provisions of each paragraph of the preceding Article in relation to a single person:

(2)When a bank calculates the capital adequacy ratio (meaning the ratio arrived at by the formula associated with the criterion set forth in Article 14-2, item (i) of the Act), if it applies a means specified by the Commissioner of the Financial Services Agency as a means provided to secure a bank's claim arising from granting of credit or making of contribution to a single person, such as collateral, insurance, and guarantee of obligations (hereinafter referred to as a "credit risk mitigation technique" in this paragraph), notwithstanding the provisions of the preceding paragraph, the bank is to deduct the amount secured by the credit risk mitigation technique from the total amount in which the bank grants credit or makes a contribution as recorded or calculated pursuant to the provisions of the paragraphs of the preceding Article for the single person in the process of calculating the total amount of credit and contribution to a single entity as it regards that single person. In this case, the amount to be secured by the credit risk mitigation technique is deemed to be granting of credit or making of contribution to a person that assumes an obligation, etc. through the credit risk mitigation technique (if there is an issuer connected with the credit risk mitigation technique, the issuer; hereinafter referred to as a "provider of collateral, etc." in this paragraph), and it is to be aggregated with the amount in which other credit has been granted or other contribution have been made to that provider of collateral, etc.; provided, however, that if a bank applies a credit risk mitigation technique specified by the Commissioner of the Financial Services Agency, the bank is not required to deem the amount secured by that credit risk mitigation technique to be a grant of credit or the making of a contribution and to aggregate the secured amount with the amount in which other credit has been granted or other contribution have been made to the provider of collateral, etc.

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

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

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

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

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

Article 14-4A person that has a unique relationship with a bank as specified by Cabinet Office Order that is provided for in the first sentence of Article 13, paragraph (2) of the Act means a subsidiary corporation, etc. of the bank (meaning a subsidiary corporation, etc., as prescribed in Article 4-2, paragraph (2) of the Order, and excluding a person specified by the Commissioner of the Financial Services Agency; the same applies in paragraph (2), item (ii) of the following Article and Article 14-6-2).

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

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

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

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

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

Article 14-6(1)The provisions of Article 14-3, paragraph (2) apply mutatis mutandis to reasons as specified by Cabinet Office Order that are provided for in Article 4, paragraph (12), item (v) of the Order (including as applied mutatis mutandis pursuant to Article 16-2-3, paragraph (5) of the Order following the deemed replacement of terms).In this case, the term "the bank" in Article 14-3, paragraph (2), item (i) and item (ii) is deemed to be replaced with "the bank or its subsidiary company, etc."; the term "amount of equity capital" in item (ii) of that paragraph is deemed to be replaced with "net total amount of equity capital"; and the term "limit on credit and contribution" in that item is deemed to be replaced with "consolidated limit on credit and contribution"

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

Article 14-6-2A person that is deemed to be identical, in substance, to a bank that itself extends credit and makes contribution or to its subsidiary company, etc., as provided for in Article 13, paragraph (3), item (ii) of the Act, is that bank or a subsidiary company, etc. of that bank.

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

(2)The person specified by Cabinet Office Order that is provided for in Article 4-2, paragraph (3) of the Order means the person as set forth in any of the following items; provided, however, that this does not apply if it is found to be apparent, from the financial or business relationships that the first corporation, etc. (including its subsidiary corporations, etc. (meaning a subsidiary corporation, etc. as prescribed in paragraph (2) of that Article; the same applies hereinafter, except in Article 34-15, paragraph (7) and Article 35, paragraph (1), item (xiv) and paragraph (3), item (x))) is unable to significantly influence the financial and business policy decisions of the second corporation, etc. that is not its subsidiary corporation, etc.:

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

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

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

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

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

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

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

Article 14-9-2(1)When a bank seeks to obtain an approval on the satisfaction of the requirements under the proviso to Article 13-2 of the Act, it must attach the following documents to a written application for approval and submit them to the Commissioner of the Financial Services Agency or other competent authorities:

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

Article 14-10The transaction specified by Cabinet Office Order that is provided for in Article 13-2, item (i) of the Act means a transaction that the bank executes under conditions that are disadvantageous to the bank in comparison to the conditions of a transaction that would be established if it executed a transaction of the same type and the same size under the same circumstances as the transaction in question with a person other than its specified related party but that is found to be the same in terms of the type, scope, creditworthiness, and other aspects of the business in which it engages.

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

Article 14-11-2The act specified by Cabinet Office Order as being unlikely to result in insufficient customer protection that is provided for in Article 13-3, item (iii) of the Act means an act in which a bank wrongfully grants or promises to grant credit on the condition that a customer executes the transaction.

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

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

Article 14-11-3-3(1)A bank must take the following measures to ensure that a transaction it carries out does not unduly harm the interests of a customer of the bank services it conducts; to ensure that a transaction carried out by a bank agent that has the relevant bank as its principal bank does not unduly harm the interests of a customer of the bank services that bank agent conducts; and to ensure that a transaction carried out by its parent financial institution, etc. (meaning a parent financial institution, etc. as prescribed in Article 13-3-2, paragraph (2) of the Act; the same applies hereinafter in this Article) or subsidiary financial institution, etc. (meaning a subsidiary financial institution, etc. as prescribed in paragraph (3) of that Article; the same applies hereinafter in this Article) does not unduly harm the interests of a customer of the bank services that its subsidiary financial institution, etc. conducts:

(2)The record prescribed in item (iv) of the preceding paragraph must be preserved for five years from the date it was created.

(3)The term "subject transaction" in paragraph (1) means a transaction carried out by a bank that brings about the risk of unduly harming the interests of a customer of the bank services it conducts; a transaction that is carried out by a bank agent which has that bank in question as its principal bank and that brings about the risk of unduly harming the interests of a customer of the bank services it conducts; or a transaction that is carried out by the parent financial institution, etc. or a subsidiary financial institution, etc. of the relevant bank and that brings about the risk of unduly harming the interests of a customer of the bank services conducted by a subsidiary financial institution, etc. of the relevant bank.

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

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

Article 14-11-6Deleted

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Article 14-11-19The particulars specified by Cabinet Office Order that are provided for in Article 4-5, paragraph (1), item (i) of the Order, the amount of charges (hereinafter referred to as "fee, etc.") that a customer is to pay in connection with a contract for specified deposit, etc. according to their category, regardless of whether they are referred to as a fee, consideration, expenses, or any other name, or their maximum amount, or an outline of the way these are calculated (including the percentage of the amount of principal pertaining to the contract for specified deposit, etc.) and the total amount or maximum amount of the fee, etc., or an outline of the way these are calculated; provided, however, that if these particulars cannot be indicated, to give an indication of this and the reasons therefor.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Article 14-12A company in a unique relationship with a bank as specified by Cabinet Office Order as provided in Article 14-2, item (ii) of the Act means the following companies:

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

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

(3)If a bank obtains approval for the non-business days under Article 5, paragraph (2), item (ii) of the Order, it is to display the following particulars in the front-office area of the business office to which the approval pertains:

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

(2)Business hours as prescribed in the preceding paragraph may be extended due to business reasons.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(8)The requirements specified by Cabinet Office Order that are provided for in Article 16-2, paragraph (1), item (xii)-2 of the Act are that if a bank or its subsidiary company acquires voting rights in the company prescribed in the preceding paragraph (excluding one that falls under item (ix) of that paragraph), all of the requirements set forth in the following items are satisfied:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(2)The cases specified by Cabinet Office Order that are provided for in Article 16-4, paragraph (4), item (v) of the Act are as follows:

(3)The cases specified by Cabinet Office Order that are provided for in Article 16-4, paragraph (4), item (vi) of the Act are as follows:

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

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

(3)The company that has a unique relationship with the relevant person as specified by Cabinet Office Order that is provided for in Article 16-4, paragraph (8) of the Act means a company which is a subsidiary company, etc. (meaning a subsidiary company, etc. and an affiliated corporation, etc.; the same applies in Article 34-23-2, paragraph (3)) of a company cultivating new business field or company in the business revitalization process, in which the bank or its subsidiary companies other than a company cultivating new business field or company in the business revitalization process do not have the voting rights in excess of the number of voting rights arrived at when total shareholder or investor voting rights is multiplied by five percent if their voting rights are combined.

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

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

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

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

Article 18(1)A bank must prepare an interim business report under Article 19, paragraph (1) of the Act, with regard to the condition of business and assets during the period from the beginning date of a business year to September 30 of that business year, by dividing the data into an interim summary statement of business, an interim balance sheet, an interim profit and loss statement, an interim statement of changes in net assets, and an interim cash flow statement (into an interim summary statement of business, an interim balance sheet, and an interim profit and loss statement in case of a foreign bank branch) pursuant to the Appended Form No. 1 (pursuant to the Appended Form No. 1-2 in case of a bank with specified transaction account; or, pursuant to the Appended Form No. 2 in case of a foreign bank branch (pursuant to the Appended Form No. 2-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), and must submit that report to the Commissioner of the Financial Services Agency or other competent authorities within three months after that period ends.

(2)A bank must prepare an business report under Article 19, paragraph (1) of the Act by dividing the data into a summary statement of business, a balance sheet, a profit and loss statement, a statement of changes in net assets, and a cash flow statement (into a summary statement of business, a balance sheet, and a profit and loss statement in case of a foreign bank branch) pursuant to the Appended Form No. 3 (pursuant to the Appended Form No. 3-2 in case of a bank with specified transaction account; or, pursuant to the Appended Form No. 4 in case of a foreign bank branch, (pursuant to the Appended Form No. 4-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), and must submit that report to the Commissioner of the Financial Services Agency or other competent authorities within three months after that period ends.

(3)A bank must prepare an interim business report under Article 19, paragraph (2) of the Act pursuant to the Appended Form No. 5, with regard to the condition of business and assets of the bank and its subsidiary company, etc. (meaning a subsidiary company, etc., as prescribed in Article 14-2, item (ii) of the Act; hereinafter the same applies in this Chapter, the following Chapter, and Article 35, paragraph (1)) for the period from the beginning date of a business year to September 30 of that business year, by dividing the data into an interim summary statement of business and an interim consolidated financial statement, and must submit that report to the Commissioner of the Financial Services Agency or other competent authorities within three months after the that period ends.

(4)A bank must prepare a business report under Article 19, paragraph (2) of the Act pursuant to the Appended Form No. 5-2 by dividing the data into a summary of business report and consolidated financial statements, and must submit that report to the Commissioner of the Financial Services Agency or other competent authorities within three months after the the period ends.

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

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

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

Article 19(1)A bank must prepare an interim balance sheet, etc. which is to be prepared pursuant to the provisions of Article 20, paragraph (1) of the Act (meaning an interim balance sheet, etc., as prescribed in that paragraph; and including an electronic or magnetic record that is prepared pursuant to the provisions of paragraph (3) of that Article (meaning an electronic or magnetic record as prescribed in that paragraph; the same applies hereinafter); the same applies in paragraph (6)), pursuant to the Appended Form No. 6-1 (pursuant to the Appended Form No. 6-2-1 in case of a bank with specified transaction account; or, pursuant to the Appended Form No. 7-1 in case of a foreign bank branch (the Appended Form No. 7-2-1 in case of a foreign bank branch that submitted notification of a specified transaction account)); and must prepare a balance sheet, etc. (meaning a balance sheet, etc., as prescribed in paragraph (1) of that Article; and including an electronic or magnetic record prepared pursuant to the provisions of paragraph (3) of that Article; the same applies in paragraph (6)) pursuant to the Appended Form No. 6-3-1 (pursuant to the Appended Form No. 6-4-1 in case of a bank with specified transaction account; or, pursuant to the Appended Form No. 7-3-1 in case of a foreign bank branch (pursuant to the Appended Form No. 7-4-1 in case of a foreign bank branch that submitted notification of a specified transaction account)).

(2)A bank must prepare an interim consolidated balance sheet, etc. which is to be prepared pursuant to the provisions of Article 20, paragraph (2) of the Act (meaning the interim consolidated balance sheet, etc., as prescribed in that paragraph and including an electronic or magnetic record that is prepared pursuant to the provisions of paragraph (3) of that Article; the same applies in paragraph (6)) pursuant to the Appended Form No. 8-1, and must prepare a consolidated balance sheet, etc. (meaning the consolidated balance sheet, etc., as prescribed in paragraph (2) of that Article, and including an electronic or magnetic record prepared pursuant to the provisions of paragraph (3) of that Article; the same applies in paragraph (6)) pursuant to the Appended Form No. 8-2-1.

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

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

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

(6)An overview of the interim balance sheet, etc. which a bank must publicly announce pursuant to the provisions of Article 20, paragraph (5) of the Act is to be as specified in the Appended Form No. 6-2 (in the Appended Form No. 6-2-2 in case of a bank with specified transaction account; or, in the Appended Form No. 7-2 in case of a foreign bank branch (in the Appended Form No. 7-2-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), an overview of the balance sheet, etc. which a bank must publicly announce pursuant to that paragraph is to be as specified in the Appended Form No. 6-3-2 (in the Appended Form No. 6-4-2 in case of a bank with specified transaction account; or, in the Appended Form No. 7-3-2 in case of a foreign bank branch (in the Appended Form No. 7-4-2 in case of a foreign bank branch that submitted notification of a specified transaction account)), an overview of the interim consolidated balance sheet, etc. which a bank must publicly announce pursuant to that paragraph is to be as specified in the Appended Form No. 8-2, and a overview of the consolidated balance sheet, etc. which a bank must publicly announce pursuant to that paragraph is to be as specified in the Appended Form No. 8-2-2.

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

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

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

Article 19-2(1)The particulars specified by Cabinet Office Order that are provided for in first sentence of Article 21, paragraph (1) of the Act are the particulars set forth in the following sub-items (excluding the particulars set forth in item (i), (a) through (h), item (ii), item (iii), (b), 11., item (iv) (excluding the part concerning sub-item (c)), item (v), (i), and item (vi) in case of explanatory documents for an interim period of a business year (hereinafter referred to as "interim explanatory documents")):

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

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

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

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

Article 19-3The particulars specified by Cabinet Office Order that are provided for in the first sentence of Article 21, paragraph (2) of the Act are the following particulars (excluding the particulars set forth in item (i), item (iii), (f), and item (iv), in the case of preparing interim explanatory documents):

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

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

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

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

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

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

Article 20(1)Business reports as prescribed in Article 22 of the Act must be prepared pursuant to the Appended Form No. 9 (with regard to a bank with specified transaction account, the Appended Form No. 9-2).

(2)Annexed detailed statement pursuant to the provisions of Article 22 of the Act must be prepared pursuant to the Appended Form No. 10.

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

Article 22(1)When seeking authorization for a merger under the provisions of Article 30, paragraph (1) of the Act, a bank must submit a written application for authorization accompanied by the following documents to the Commissioner of the Financial Services Agency:

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

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

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

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

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

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

Article 25When seeking authorization for a discontinuation, merger, or dissolution of banking under the provisions of Article 37, paragraph (1) of the Act, a bank must submit a written application for authorization accompanied by the documents set forth in the relevant of the following items for the authorization set forth in that item to the Commissioner of the Financial Services Agency:

Article 26When issuing a public notice or making a posting under the provisions of Article 38 of the Act, a bank is to indicate the policies for handling deposits, etc. and other transactions associated with the business that is specified by the Commissioner of the Financial Services Agency.

Article 27(1)If person that has been licensed by the Prime Minister as referred to in Article 4, paragraph (1) of the Act seeks approval under the provisions of Article 41, item (iv) of the Act, that person must submit a written application for approval accompanied by a written statement of reasons to the Commissioner of the Financial Services Agency.

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

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

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

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

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

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

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

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

Article 30-4(1)A foreign bank branch must take the following measures to ensure that a transaction it carries out does not unduly harm the interests of a customer of the bank services it conducts; to ensure that a transaction carried out by the foreign bank to which that foreign bank branch belongs does not unduly harm the interests of a customer of the bank services that foreign bank conducts; to ensure that a transaction carried out by a bank agent that has the relevant foreign bank branch as its principal bank does not unduly harm the interests of a customer of the bank services that bank agent conducts; and to ensure that a transaction carried out by the parent financial institution, etc. (meaning a parent financial institution, etc., prescribed in Article 13-3-2, paragraph (2) of the Act, as replaced pursuant to the provisions of Article 9 of the Order; the same applies hereinafter in this Article) or a subsidiary financial institution, etc. (meaning a subsidiary financial institution, etc. as prescribed in Article 13-3-2, paragraph (3) of the Act, as replaced pursuant to Article 9 of the Order; hereinafter the same applies in this Article) of the foreign bank to which the relevant foreign bank branch belongs does not unduly harm the interests of a customer of the bank services conducted by a subsidiary financial institution, etc. of the foreign bank to which that foreign bank branch belongs:

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

(3)The term "subject transaction" in paragraph (1) means a transaction carried out by a foreign bank branch that brings about the risk of unduly harming the interests of a customer of the bank services it conducts; a transaction that is carried out by the foreign bank with which the relevant foreign bank branch is associated and that brings about the risk of unduly harming the interests of a customer of the bank services that the foreign bank conducts; a transaction that is carried out by a bank agent which has the relevant foreign bank branch as its principal bank and that brings about the risk of unduly harming the interests of a customer of the bank services that the bank agent conducts; or a transaction that is carried out by the parent financial institution, etc. or subsidiary financial institution, etc. of the foreign bank with which the relevant foreign bank branch belongs and that brings about the risk of unduly harming the interests of a customer of the bank services that are conducted by a subsidiary financial institution, etc. of the foreign bank with which the relevant foreign bank branch is associated.

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

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

(2)When seeking authorization for the establishment, change of type, or closure of a secondary foreign bank branch (meaning a secondary foreign bank branch as prescribed in Article 47, paragraph (2) of the Act; hereinafter the same applies in this Article and the following Article) under the provisions of Article 47-3 of the Act, a foreign bank branch must submit a written application for authorization accompanied by the following documents to the Commissioner of the Financial Services Agency or other competent authorities:

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

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

Article 32-2(1)If a foreign bank branch files an application for authorization under paragraph (2) of the preceding Article using a written application that includes a statement indicating that it will set a day other than a designated non-business day as a non-business day at a secondary foreign bank branch, in addition to conducting the examination under Article 15, paragraph (3), the Commissioner of the Financial Services Agency or other competent authorities are to examine whether the day conforms to the standards set forth in the items of Article 15, paragraph (2).

(2)If a foreign bank branch obtains authorization as prescribed in Article 47-3 of the Act based on a written application as specified in the preceding paragraph, the foreign bank branch is deemed to have been approved as referred to in Article 5, paragraph (2), item (ii) of the Order to set a day other than a designated non-business day as a non-business day at the secondary foreign bank branch subject to that authorization.

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

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

(3)The cases specified by Cabinet Office Order that is provided for in Article 49, paragraph (2), item (iv) of the Act are as follows:

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

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

(2)When seeking to file a notification regarding a liaison office or other facilities under the provisions of Article 52, paragraph (1) of the Act, a foreign bank must submit a written notification accompanied by the following documents to the Commissioner of the Financial Services Agency:

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

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

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

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

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

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

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

(2)When seeking to file a notification pursuant to the provisions of Article 52-2, paragraph (3) of the Act, a bank must submit the written notification with the Commissioner of the Financial Services Agency or other competent authorities with the following documents attached thereto:

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

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

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

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

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

Article 34-2-6Deleted

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(4)If, within one year from the date of delivery of document to be delivered upon the conclusion of a contract (including the date of conclusion of the contract for specified deposit, etc. and the date when the document to be delivered upon the conclusion of a contract is deemed to be delivered pursuant to the provisions of this paragraph in the case the document to be delivered upon the conclusion of a contract pertaining to a contract for specified deposit, etc. is not delivered pursuant to the provisions of paragraph (1), item (i)), a contract for specified deposit, etc. with the same terms as those of the contract for specified deposit, etc. pertaining to the document to be delivered upon the conclusion of a contract is concluded, it is deemed that a document to be delivered upon the conclusion of a contract was delivered on the date of the conclusion and the provisions of paragraph (1), item (ii) are applied.

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

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

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

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

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

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

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

(4)When seeking approval under the preceding paragraph, a foreign bank's agent bank must submit a written statement of reasons attached to a written application for approval to the Commissioner of the Financial Services Agency or other competent authorities.

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

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

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

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

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

(3)When issuing public notice and making a posting under Article 52-2-9, paragraph (2) of the Act (limited to the cases in which a notification set forth in paragraph (1), items (iii) to (vi) of that Article), a foreign bank's agent bank is to indicate its policy for processing transactions involved in deposits, etc. with the principal foreign bank and other foreign bank agency services it provides.

Article 34-2-35The form specified by Cabinet Office Order that is provided for in Article 52-40, paragraph (1) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, is as prescribed in the Appended Form No. 10-2.

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

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

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

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

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

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

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

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

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

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

Article 34-2-46(1)The written report on foreign bank agency services pursuant to the provisions of Article 52-50, paragraph (1) of the Act, as applied mutatis mutandis pursuant to Article 52-2-10 of the Act, must be prepared pursuant to Appended Form No. 10-2-2 and submitted to the Commissioner of the Financial Services Agency or other competent authorities, within three months after the end of a business year.

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

(3)When seeking approval under the preceding paragraph, a foreign bank's agent bank must submit a written statement of reasons attached to the written application for approval to the Commissioner of the Financial Services Agency or other competent authorities.

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