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

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

(3)The matters to be specified by Cabinet Office Order, as referred to in Article 20, paragraph (2) of the Act, are the matters set forth in the following items:

Article 26(1)When any of the cases specified in the following items is applicable to a financial service intermediary, the financial service intermediary must notify the Commissioner, etc. to that effect:

(2)In the case referred to in the preceding paragraph, a financial service intermediary is to submit to the Commissioner, etc. the documents specified in the following items, in accordance with the categories respectively set forth therein:

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

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

Article 27(1)When a counterparty to guarantee entrustment contract deposits the security deposits pursuant to the provisions of Article 22, paragraph (4) of the Act, the party is to make the deposit with the deposit office nearest to the head office or principal office of the financial service intermediary which has concluded the guarantee entrustment contract (with regard to those that do not have a place of business or office in Japan, the Tokyo Legal Affairs Bureau).

(2)When a counterparty to guarantee entrustment contract completes the deposit under the preceding paragraph, the party is to submit to the Commissioner, etc. an original of the certificate of deposit.

(3)When the Commissioner, etc. receives an original of the certificate of deposit as set forth in the preceding paragraph, the Commissioner, etc. must issue the certificate of custody to the counterparty to guarantee entrustment contract.

Article 28(1)When a financial service intermediary intends to obtain an approval under the provisions of Article 27, item (ii) of the Order, it must, no later than one month prior to the day when it intends to effect cancellation of the guarantee entrustment contract for which the approval is sought or to amend any terms and conditions thereunder, submit to the Commissioner, etc. a written application for approval, as well as a written statement of reasons and any document describing reference information.

(2)When an application for approval under the preceding paragraph has been filed, the Commissioner, etc. is to examine whether it is unlikely that the protection of customers, etc. (meaning the customers, etc. prescribed in Article 22, paragraph (2) of the Act; the same applies in Article 32, paragraph (4)) would be hindered if the financial service intermediary which has filed the application for approval cancelled the guarantee entrustment contract or amended any term thereunder.

Article 29The financial institutions to be specified by Cabinet Office Order, as referred to in Article 27 of the Order, are the financial institutions set forth in the following items:

Article 30The day to be specified by Cabinet Office Order, as referred to in Article 22, paragraph (8) of the Act, is the day set forth in the following items, in accordance with the grounds for the accrual of deficiency in the amount of the deposits respectively set forth therein:

Article 31(1)The securities to be specified by Cabinet Office Order, as referred to in Article 22, paragraph (9) of the Act, are the securities set forth in the following items:

(2)The value of the securities when the securities are to be substituted for deposits pursuant to the provisions of Article 22, paragraph (9) of the Act is the amount specified in the following items, in accordance with the categories of the securities respectively set forth therein:

(3)With regard to the securities issued by way of discounting, the issue value thereof plus the amount calculated in accordance with the following formula is deemed to be the par value thereof, and the provisions of the preceding paragraph apply.

(4)For the purpose of calculation in accordance with the formula set forth in the preceding paragraph, if any fraction of less than one year arises with regard to the number of years from the issue date and the redemption date and the number of years falling in the period from the issue date to the deposit date, or if any fraction of less than one yen arises with regard to the amount obtained by dividing the difference between par value and issue value by the number of years falling in the period from the issue date to the redemption date, the fraction is truncated.

Article 32(1)When a financial service intermediary intends to obtain an approval under the provisions of Article 23, paragraph (1) of the Act, it must, no later than one month prior to the day when it elects not to deposit a part of the security interest by way of a financial service intermediary liability insurance contract for which the approval is sought, submit to the Commissioner, etc. a written application for approval, with a written statement of reasons and any other documents containing the matters which would serve as reference information.

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

(3)When a financial service intermediary intends to obtain an approval under the provisions of Article 29, paragraph (1), item (iv) of the Order, it must, no later than one month prior to the day when it intends to effect cancellation of the financial service intermediary liability insurance contract for which the approval is sought or to amend any of the terms and conditions thereunder, submit to the Commissioner, etc. a written application for approval, as well as a written statement of reasons and any document describing reference information.

(4)When an application for approval under the preceding paragraph has been filed, the Commissioner, etc. is to examine whether it is unlikely that the protection of customers, etc. would be hindered if the financial service intermediary which has filed the application for approval effects any change or cancellation of the financial service intermediary liability insurance contract.

Article 33(1)A financial service intermediary must clearly indicate the fact that it is not allowed to perform the following activities on behalf of any counterpart financial institution, as information concerning the authority of financial service intermediary prescribed in Article 25, paragraph (1), item (iii):

(2)The matters to be specified by Cabinet Office Order, as referred to in Article 25, paragraph (1), item (vi) of the Act, are the matters set forth in the following items:

Article 34The matters to be specified by Cabinet Office Order, as referred to in Article 25, paragraph (2) of the Act, are the matters set forth in the following items:

Article 35A financial service intermediary must establish internal rules, etc. concerning explanations on material information to be provided to customers, in light of the customers' knowledge, experience, the status of their properties, and the purpose of transactions, and other measures to ensure healthy and proper business operations (including the explanations of the details and risks of instruments or transactions by the delivery of a document or by any other appropriate means and measures to prevent crimes), in accordance with the details and the method of its financial service intermediary business operations, and must develop a sufficient system to provide training to employees or otherwise ensure that the businesses will be conducted based on the internal rules, etc.

Article 36When entrusting the security management of information concerning individual customers which it handles, supervision of its employees or handling of the information, a financial service intermediary must take necessary and appropriate measures to prevent divulgation of, loss of or damage to the information in supervising the party to whom its business is entrusted.

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

Article 37A financial service intermediary must take measures to ensure that it will not use information of individual persons seeking funds relating to their ability to pay provided by a credit information-related organization (meaning an organization that collects information on repayment capacity of persons seeking funds and provide the information to the financial service intermediary) for any purposes other than for the investigation of their repayment capacity.

Article 38A financial service intermediary must take measures to ensure that it will not use information of individual customers relating to their race, creed, family origin, registered domicile, health and medical care or criminal records, or any other special non-disclosure information (meaning non-disclosure information which has come to knowledge of it in the course of business) that it handles for any purposes other than those deemed to be necessary for ensuring proper operation of the business.

Article 39If a financial service intermediary conducts its business by the use of a computer connected via telecommunications line, it must take appropriate measures to prevent customers from misidentifying the financial service intermediary with a counterpart financial institution or other persons.

Article 40When entrusting financial service intermediary business to a third party, a financial service intermediary must take necessary measures to ensure that the entrusted business is correctly executed by confirming the status of execution of the entrusted business on a regular basis or as needed, and if necessary, requesting improvements, or by any other means.

Article 41The persons to be specified by Cabinet Office Order, as referred to in the non-itemized part of Article 30, paragraph (1) of the Order, are the persons set forth in the following items:

Article 42The persons to be specified by Cabinet Office Order, as referred to in Article 30, paragraphs (2) and (3) of the Order, are the persons set forth in the following items:

Article 43(1)The companies to be specified by Cabinet Office Order, as referred to in Article 30, paragraph (4) of the Order, are the following company, etc. (meaning the company, etc. prescribed in that paragraph; hereinafter the same applies in Articles 43 through 45); provided, however, that this does not apply to the case where the company is found as obviously not having control over the decision-making body (meaning the decision-making body prescribed in that paragraph; the same applies in item (ii), (e)) of other company, etc., in terms of the financial, operational or business relationship therewith:

(2)Notwithstanding the provisions of the preceding paragraph, with regard to a special purpose company (meaning the specific purpose company prescribed in Article 2, paragraph (3) of the Act on Securitization of Assets (Act No. 105 of 1998) and a business entity engaged in a business similar thereto which is restricted from effecting any modification to its business details), if the purpose of the incorporation thereof is to entitle the owners of the securities it issues (including the creditors related to the specific borrowing prescribed in Article 2, paragraph (12) of that Act) to receive the profit generating from assets that have been transferred to the special purpose company at a fair value, and if the business thereof is properly implemented in compliance with the purpose, the special purpose company is regarded as being independent of the companies, etc. which transferred the assets to it (hereinafter referred to as the "transferor company, etc." in this paragraph), and is presumed not to fall under the category of a subsidiary company, etc. (meaning the subsidiary company, etc. prescribed in Article 30, paragraph (4) of the Order; hereinafter the same applies in this Section) of the transferor company, etc.

Article 44The companies to be specified by Cabinet Office Order, as referred to in Article 30, paragraph (5) of the Order, are the following companies, etc.; provided, however, that this does not apply to the case where the company, etc. (including its subsidiary company, etc.) is found as obviously unable to exert any material influence on decision-making related to financial policies or operational business policies of other company, etc. excluding its subsidiary companies, etc., in terms of the financial, operational or business relationship therewith:

Article 45(1)For the purpose of determining the holding of voting rights prescribed in Article 30, paragraph (6) of the Order, the voting rights held are to include the voting rights held under the name of any other person (or under a fictitious name), and the voting rights pertaining to shares, etc. in any of the following cases:

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

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

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

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

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

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

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

Article 47(1)The complaint processing measures to be specified by Cabinet Office Order, as referred to in Article 28 paragraph (1), item (i), (b) of the Act, are the measures set forth in one of the following items:

(2)The dispute resolution measures to be specified by Cabinet Office Order, as referred to in Article 28 paragraph (1), item (i), (b) of the Act, are the measures set forth in one of the following items:

(3)Notwithstanding the provisions of the preceding two paragraphs (limited to the portion relating to paragraph (1), item (vi) and paragraph (2) item (v)), a financial service intermediary may not process the complaints related to financial service intermediary business operations and resolve the disputes related to financial service intermediary business operations through procedures implemented by a corporation falling under any of the categories set forth in the following items:

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

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

(2)the term "financial derivative transaction" as referred to in item (v), (b) of the preceding paragraph means transactions in which the parties agree to pay or receive money based on the difference between a figure agreed between the parties in advance as a figure of the interest rate, the value of currencies, the price of commodity, the price of carbon dioxide equivalent quota (meaning the carbon dioxide equivalent quota prescribed in Article 2, paragraph (7) of the Act on Promotion of Global Warming Countermeasures (Act No. 117 of 1998) and other values similar thereto; the same applies in item (ii)) or any other indicators, and the actual figure of the relevant indicator at a fixed time in the future, or the transactions set forth in the following items:

(3)Notwithstanding the provisions of paragraph (1), if a counterpart financial institution prescribed information concerning the conclusion of a contract for deposit, etc. to a depositor, etc. by the method set forth in the items of that paragraph, a financial service intermediary is not required to provide information to the depositor, etc. by the method set forth in the items of that paragraph.

Article 50(1)When a financial service intermediary sells financial instruments (meaning the sale of financial instruments prescribed in Article 3, paragraph (1) of the Act, and excluding the acts relating to items (i) and (ii) of that paragraph) or acts as an agent or intermediary for the sale, the financial service intermediary 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 financial service intermediary provides the explanation prescribed in the preceding paragraph, the financial service intermediary is to explain the following particulars (excluding what is set forth in items (iii) and (iv), in a case of corporate bonds (other than short term bonds prescribed in Article 66, item (i) of the Act on Book-Entry Transfer of Corporate Bonds and Shares) issued by the financial service intermediary):

(3)If a financial service intermediary concludes a trust agreement without agreement for compensation of the principal, or acts as an agent or intermediary for the conclusion of such a contract, the bank must display that the trust agreement does not have an agreement for compensation of the principal in a place easily seen by customers at its places of business or offices; and, if it concludes a trust agreement pertaining to a monetary trust without agreement for compensation of the principal, or acts as an agent or intermediary for the conclusion of the 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)), it must explain those particulars set forth in each item of the preceding paragraph.

Article 51(1)The closely related persons of a financial service intermediary to be specified by Cabinet Office Order, as referred to in Article 52-45, item (iii) of the Banking Act as applied mutatis mutandis, are the following persons (excluding subsidiary companies of a financial service intermediary):

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

Article 52The acts specified by Cabinet Office Order as being unlikely to result in sufficient customer protection, as referred to in Article 52-45, item (iii) of the Banking Act as applied mutatis mutandis, is an act that does not involve the wrongful provision of intermediary service for the conclusion of a contract for lending of funds or discounting of negotiable instruments on the condition that a customer executes the transaction.

Article 53The persons in a unique relationship to be specified by Cabinet Office Order with a counterpart financial institution, as referred to in Article 52-45, item (iv) of the Banking Act as applied mutatis mutandis, are the persons set forth in the following items:

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

Article 55The conduct specified by Cabinet Office Order, as referred to in Article 52-45, item (v) of the Banking Act as applied mutatis mutandis, are the conducts set forth in the following items:

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

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

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

Article 57The cases to be specified by Cabinet Office Order, as referred to in Article 294-2 of the Insurance Business Act as applied mutatis mutandis, are the cases set forth in the following items:

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

Article 59(1)The amount to be calculated as the total amount of insurance premiums under self-contracts subject to insurance intermediary business operations prescribed in Article 295, paragraph (2) of the Insurance Business Act as applied mutatis mutandis (hereinafter referred to as "insurance premiums under self-contract subject to insurance intermediary business operations" in this paragraph), in accordance with the formula as provided for by Cabinet Office Order, is the amount equivalent to the average per business year of the insurance premiums under self-contract subject to insurance intermediary business operations provided by the financial service intermediary for the latest two business years (in the case of an insurance policy wherein the policyholder is itself or its employer, excluding insurance premiums under the insurance policies which satisfy all of the following requirements):

(2)The amount to be calculated as the total amount of insurance premiums under an insurance contract subject to insurance intermediary business operations prescribed in Article 295, paragraph (2) of the Insurance Business Act as applied mutatis mutandis, in accordance with the formula to be provided by Cabinet Office Order, is the amount equivalent to the average per business year of the insurance premiums under the insurance contract subject to insurance intermediary business operations by a financial service intermediary for the latest two business years.

(3)For the purpose of calculation of the insurance premiums prescribed in the preceding two paragraph, if a financial service intermediary provides intermediary services for conclusion of insurance policies of two or more counterpart financial institutions, insurance premiums pertaining to all such two or more counterpart financial institutions are to be aggregated.

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

Article 60The matters to be specified by Cabinet Office Order, as referred to in Article 546, paragraph (1) of the Commercial Code (Act No. 48 of 1899) as applied pursuant to Article 298 of the Insurance Business Act as applied mutatis mutandis (including as applied mutatis mutandis pursuant to Article 293 of the Insurance Business Act as applied mutatis mutandis) are the matters set forth in the following items:

Article 61The matters to be specified by Cabinet Office Order, as referred to in Article 300, paragraph (1), item (vii) of the Insurance Business Act as applied mutatis mutandis, are insurance proceeds, refunds or any other benefits, or insurance premiums, the amount of which are contingent upon the asset investment outcomes and any other factors.

Article 62(1)The acts to be specified by Cabinet Office Order, as referred to in Article 300, paragraph (1), item (ix) of the Insurance Business Act as applied mutatis mutandis, are the acts set forth in the following items:

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

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

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

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

Article 64(1)When a financial service intermediary provides, in relation to the terms and conditions of a single insurance policy pertaining to the insurance underwritten by a counterpart financial institution, information concerning terms and conditions of the insurance policy in comparison with other insurance policies pertaining to that insurance, it must take appropriate measures to prevent it from representing or indicating to the policyholder, the insured or any other unspecified persons any message concerning the comparison which are likely to cause misunderstanding of these persons.

(2)When presenting a suggested contract from among two or more comparable insurance policies of the same class pertaining to insurance underwritten by two or more counterpart financial institutions, a financial service intermediary must take measures to ensure that necessary explanation pertaining to the suggestion is provided.

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

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

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

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

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

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

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

(2)The methods set forth in the items of the preceding paragraph must be those enabling a financial service intermediary to prepare a document by way of outputting the information recorded in the files.

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

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

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

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

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

(2)With regard to the application of the provisions of the preceding paragraph in the cases prescribed in Article 34-3, paragraph (8) of the Financial Instruments and Exchange Act as applied mutatis mutandis, the term "date of acceptance" in the items of the preceding paragraph is deemed to be replaced with "day following the previous expiration date".

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

Article 76(1)The individuals specified by Cabinet Office Order as prescribed in Article 34-4, paragraph (1), item (i) of the Financial Instruments and Exchange Act as applied mutatis mutandis are those falling under either of the following requirements:

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

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

Article 78(1)The case specified by Cabinet Office Order as prescribed in Article 34-3, paragraph (2) of the Financial Instruments and Exchange Act as applied mutatis mutandis that is applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act as applied mutatis mutandis is the case where a financial service intermediary has designated a certain day and publicized the following particulars by posting them at a place easily accessible to the public at its business office or office, or by any other appropriate means:

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

Article 79(1)The particular specified by Cabinet Office Order as prescribed in Article 34-3, paragraph (2), item (iv), (a) of the Financial Instruments and Exchange Act as applied mutatis mutandis that is applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act as applied mutatis mutandis is the fact that the provisions set forth in the items of Article 45 (excluding items (iii) and (iv)) of the Financial Instruments and Exchange Act as applied mutatis mutandis do not apply in the case where the applicant falls under any of the persons respectively specified in the items of Article 45 (excluding items (iii) and (iv)) of the Financial Instruments and Exchange Act as applied mutatis mutandis with regard to the subject contract (meaning the subject contract prescribed in Article 34-3, paragraph (2), item (ii) of the Financial Instruments and Exchange Act as applied mutatis mutandis that is applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act as applied mutatis mutandis; the same applies in the following paragraph and in Article 81) (excluding the cases prescribed in the proviso to Article 45 of the Financial Instruments and Exchange Act as applied mutatis mutandis).

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

Article 80(1)The period specified by Cabinet Office Order as prescribed in Article 34-3, paragraph (7) of the Financial Instruments and Exchange Act as applied mutatis mutandis that is applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act as applied mutatis mutandis is to be eleven months (in the cases set forth in the following items, the period respectively specified therein):

(2)With regard to the application of the provisions of the preceding paragraph in the cases prescribed in Article 34-3, paragraph (8) of the Financial Instruments and Exchange Act as applied mutatis mutandis that is applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act as applied mutatis mutandis, the term "date of acceptance" in the items of the same paragraph is deemed to be replaced with "day following the previous expiration date".

Article 81The particulars specified by Cabinet Office Order as prescribed in Article 34-3, paragraph (11) of the Financial Instruments and Exchange Act as applied mutatis mutandis that is applied mutatis mutandis pursuant to Article 34-4, paragraph (6) of the Financial Instruments and Exchange Act as applied mutatis mutandis are as follows:

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

Article 83(1)When making an advertisement or conducting any of the acts prescribed in the preceding Article (hereinafter referred to as the "advertisement, etc." in this Subsection) with regard to the details of its financial service intermediary business operations related to a specified financial service contract, a financial service intermediary must clearly and accurately indicate the particulars set forth in the items of Article 37, paragraph (1) of the Financial Instruments and Exchange Act as applied mutatis mutandis.

(2)When making an advertisement, etc. with regard to the details of its financial service intermediary business operations related to a specified financial service contract, a financial service intermediary is to indicate the particulars set forth in Article 35, paragraph (1), item (ii) of the Order by using letters or numerical characters in a size which does not differ substantially from the size of the largest letters or numerical characters representing other particulars.

(3)Notwithstanding the provisions of the preceding paragraph, when a financial service intermediary intends to make any advertisement of the details of its financial service intermediary business operations related to a specified financial service contract by way of having it broadcast through the use of broadcasting facilities of a basic broadcaster (meaning the basic broadcaster prescribed in Article 2, item (xxiii) of the Broadcast Act (Act No. 132 of 1950) and excluding the Japan Broadcasting Corporation and the Open University of Japan (meaning the Open University of Japan prescribed in Article 3 of the Act on the Open University of Japan (Act No. 156 of 2002)); the same applies in Article 86, paragraph (1), item (ii)) or by any of the methods set forth in the items of the same paragraph (excluding the method of sound broadcasting), the financial service intermediary is to indicate the particulars set forth in Article 35, paragraph (2), item (i) of the Order by using letters or numerical characters in a size which does not differ substantially from the size of the largest letters or numerical characters representing other particulars.

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

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

(3)In the case where the property relating to the target investment trust beneficial interests, etc. referred to in the preceding paragraph is to be invested or contributed in other investment trust beneficial interests, etc., those other investment trust beneficial interests, etc. are deemed to be target investment trust beneficial interests, etc. and the provisions of the preceding two paragraphs are applied thereto.

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

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

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

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

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

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

(2)Notwithstanding the provisions of the preceding paragraph, the particulars specified in the following items in accordance with the category of specified financial service contracts respectively set forth therein are to be stated unambiguously and accurately, after the particulars prescribed in the following paragraph, in the frame of the document to be delivered prior to conclusion of contract by using letters and numerical characters larger than 12-point as prescribed in Z8305 of the Japanese Industrial Standards.

(3)When preparing a document to be delivered prior to conclusion of contract, a financial service intermediary is to indicate especially important particulars that may have an impact on a customer's decisions, out of the particulars set forth in Article 93, item (i) or Article 94, item (i), and the particulars set forth in the items of Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act as applied mutatis mutandis, plainly at the beginning of the document to be delivered prior to conclusion of contract by using letters and numerical characters larger than 12-point as prescribed in Z8305 of the Japanese Industrial Standards.

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

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

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

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

(4)The "provision, etc. of important information in a simple manner" referred to in paragraph (1), item (v) means to deliver a document stating the following particulars in a simple manner or to provide the particulars to be stated in the document by electronic or magnetic means and to provide explanations on these particulars (including to reply to customers' questions based on the examples of questions referred to in item (i)):

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

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

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

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

(5)With regard to the application of the provisions of paragraph (1), item (iii) to a prospectus regarding the securities set forth in Article 2, paragraph (1), item (x) of the Financial Instruments and Exchange Act (in the case where there is any document to be delivered as an integral part of a prospectus under the provisions of paragraph (1), item (iii), the relevant prospectus and document), the phrase "by a method equivalent to that prescribed in Article 88" in the same item is deemed to be deleted.

(6)The "provision, etc. of important information in a simple manner" referred to in paragraph (1), item (vii) means to deliver a document stating the following particulars in a simple manner or to provide the particulars to be stated in the document by electronic or magnetic means and to provide explanations on these particulars (including to reply to customers' questions based on the examples of questions referred to in item (i)):

Article 92(1)The particulars specified by Cabinet Office Order as prescribed in Article 37-3, paragraph (1), item (iv) of the Financial Instruments and Exchange Act as applied mutatis mutandis are the amount of fees, etc. payable by a customer in relation to a specified financial service contract by type or the upper limit thereof, or the method of calculation thereof (in the case of a contract for specified deposit, etc., including the ratio to the amount of principal relating to the contract for specified deposit, etc., and in the case of a specified financial service contract other than a contract for specified deposit, etc. and a specified insurance contract, including the ratio to the price of securities or the amount of investment property relating to the specified financial service contract, or the ratio to the profit generated by the conclusion of the specified financial service contract; hereinafter the same applies in this paragraph), and the total of the relevant amount by type or the upper limit thereof or the method of calculation thereof; provided, however, that in the case where these details cannot be stated, that fact and the reasons therefor are to be stated.

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

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

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

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

(2)In the case where a counterparty financial institution must deliver a document prescribed in Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act to a customer under the provisions of the same paragraph with regard to a single purchase and sale or any other transaction of securities, and when the counterparty financial institution has delivered the document stating the particulars set forth in the items of the preceding paragraph, a financial service intermediary does not need to state the particulars set forth in the items of the same paragraph in a document to be delivered prior to conclusion of contract, notwithstanding the provisions of the same paragraph.

(3)In the case where a specified financial service contract for which a financial service intermediary provides an intermediary service for the conclusion relates to the sale of securities and the customer for the specified financial service contract is the issuer or owner of the relevant securities, a financial service intermediary does not need to state the particulars set forth in the items of paragraph (1) in a document to be delivered prior to conclusion of contract, notwithstanding the provisions of the same paragraph.

Article 96(1)Beyond the particulars prescribed in paragraph (1) of the preceding Article, the particulars specified by Cabinet Office Order as prescribed in Article 37-3, paragraph (1), item (vii) of the Financial Instruments and Exchange Act as applied mutatis mutandis, in the case where a specified financial service contract (excluding a contract for specified deposit, etc. and a specified insurance contract) for which a financial service intermediary provides an intermediary service for the conclusion relates to the purchase and sale or any other transaction of the securities set forth in Article 2, paragraph (1), item (xiv) of the Financial Instruments and Exchange Act or the securities set forth in item (xvii) of the same paragraph (limited to those that have the nature of the securities set forth in item (xiv) of the same paragraph) (hereinafter referred to as "beneficial interest in trust, etc." in this Article), are as follows:

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

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

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

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

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

(4)The term "beneficial interest in commodity fund" referred to in paragraph (1) and the preceding paragraph means the right to be indicated on the securities set forth in Article 2, paragraph (1), item (xiv) of the Financial Instruments and Exchange Act or on the securities set forth in item (xvii) of the same paragraph (limited to those which have the nature of the securities set forth in item (xiv) of the same paragraph), which is to receive the distribution of profits and refund of the principal of trust primarily intended for the investment of the trust property relating to the relevant right through investment by means of the following acts:

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

(2)The provisions set forth in the following items do not apply to the cases respectively set forth therein:

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

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

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

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

(4)The term "subject securities" referred to in paragraph (2) means the following securities (excluding those securities corresponding to the case where the disclosure prescribed in Article 4, paragraph (7) of the Financial Instruments and Exchange Act is implemented in relation thereto):

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

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

Article 102(1)Beyond the particulars prescribed in the items of the preceding Article, the following particulars must be stated in a document to be delivered upon conclusion of contract that is to be prepared when a specified financial service contract relating to the purchase and sale or any other transaction of securities is effected:

(2)In the case where the counterparty financial institution must deliver a document prescribed in Article 37-4, paragraph (1) of the Financial Instruments and Exchange Act to a customer under the provisions of the same paragraph with regard to a single purchase and sale or any other transaction of securities, and when the counterparty financial institution has delivered the document stating the particulars set forth in the items of the preceding paragraph, a financial service intermediary does not need to state the particulars set forth in the items of the same paragraph in a document to be delivered upon conclusion of contract, notwithstanding the provisions of the same paragraph.

Article 103(1)Beyond the particulars prescribed in paragraph (1) of the preceding Article, the following particulars must be stated in a document to be delivered upon conclusion of contract that is to be prepared when a specified financial service contract relating to commodity fund-related transactions is effected:

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

Article 104(1)Beyond the particulars set forth in the items of Article 101, the following particulars must be stated in a document to be delivered upon conclusion of contract that is to be prepared when an investment advisory contract is effected:

(2)The provisions set forth in the following items do not apply in the cases respectively specified therein:

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

Article 105(1)Beyond the particulars set forth in the items of Article 101, the following particulars must be stated in a document to be delivered upon conclusion of contract that is to be prepared when a discretionary investment contract is effected:

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

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

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

(3)In the case where, within one year from the day of delivery of a document to be delivered upon conclusion of contract (including the day on which a contract for specified deposit, etc. was concluded in the case where a document to be delivered upon conclusion of contract is not delivered for the contract for specified deposit, etc. under the provisions of paragraph (1), item (i), and the day on which a document to be delivered upon conclusion of contract is deemed to have been delivered under the provisions of this paragraph), a financial service intermediary has provided an intermediary service for the conclusion of another contract for specified deposit, etc. which is in substance identical to the contract for specified deposit, etc. relating to the relevant document to be delivered upon conclusion of contract, a document to be delivered upon conclusion of contract is deemed to have been delivered on the date of the conclusion of that other contract, and the provisions of paragraph (1), item (ii) apply.

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

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

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

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

(5)"A method utilizing information and communications technology" referred to in paragraph (1), item (iv), (a) and (b) means any of the following methods; provided, however, that the method must be one enabling a financial service intermediary to prepare a document by way of outputting the information recorded in the files:

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

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

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

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

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

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

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

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

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

(2)The benefit referred to in item (x) of the preceding paragraph is to be calculated for each category of the acts set forth in the items of the preceding Article. In this case, in calculating the amount of the benefit relating to the category of the act set forth in item (iii) or (iv) of the same Article, the amount of property benefit offered, promised or provided in the case set forth in item (xi) of the same paragraph is to be deducted.

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

Article 114The investment trust specified by Cabinet Office Order as prescribed in Article 39, paragraph (4) of the Financial Instruments and Exchange Act as applied mutatis mutandis is a bond investment trust, for which beneficial interest is acquired or held for the purpose of providing it for paying or receiving money in the purchase and sale or any other transaction of securities between a customer and the counterparty financial institution.

Article 115A person who intends to obtain confirmation referred to in the proviso to Article 39, paragraph (3) of the Financial Instruments and Exchange Act as applied mutatis mutandis must submit a written application and documents to be attached thereto as referred to in paragraph (7) of the same Article to the Commissioner of the Financial Services Agency, etc.

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

Article 117(1)The documents specified by Cabinet Office Order as prescribed in Article 39, paragraph (7) of the Financial Instruments and Exchange Act as applied mutatis mutandis are the documents evidencing that the customer has confirmed the details of the particulars set forth in the items of the preceding Article, and any other materials which would serve as reference information.

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

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

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

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

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

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

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

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

(3)A financial service intermediary must preserve a roster of employees prescribed in Article 12-4, paragraph (2) of the Money Lending Business Act as applied mutatis mutandis for 10 years from the day on which the latest statement was entered.

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

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

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

Article 125The contract specified by Cabinet Office Order as prescribed in Article 12-8, paragraph (8) of the Money Lending Business Act as applied mutatis mutandis is a contract for guarantee charges in which a guarantee business operator prescribed in Article 35, paragraph (2) of the Act provides a guarantee with the obligation under a loan contract (limited to a loan contract for which the amount of interest is not fixed (excluding the case where the interest to be paid for the principal obligation is decided by the interest rate which may fluctuate after the conclusion of the contract for interest)) as the principal obligation.

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

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

Article 128(1)The methods specified by Cabinet Office Order as prescribed in Article 14, paragraph (1), item (i) of the Money Lending Business Act as applied mutatis mutandis are the methods specified in the following items in accordance with the category respectively set forth therein:

(2)What are specified as being equivalent to the loan interest rate by Cabinet Office Order as prescribed in Article 14, paragraph (1), item (i) of the Money Lending Business Act as applied mutatis mutandis, in the case where the loan interest rate (meaning the loan interest rate prescribed in the same item; hereinafter the same applies in this Subsection) is calculated using the amount of interest obtained by adding a certain interest rate to the market rate of interest, are the name of the market rate of interest used as the basis for the calculation and the interest rate to be added thereto.

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

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

(5)The posting under the provisions of Article 14, paragraph (1) of the Money Lending Business Act as applied mutatis mutandis must be made by a readily visible method for each type of loans made at the business office or office.

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

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

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

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

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

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

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

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

(3)In the case where, with regard to the conclusion of a loan contract, a money lender has delivered a document stating the particulars set forth in the items of paragraph (1) or the particulars prescribed in the preceding paragraph to a person who is to become the counterparty to the relevant loan contract under the provisions of Article 16-2, paragraph (1) or (2) of the Money Lending Business Act, a financial service intermediary does not need to state the particulars set forth in the items of paragraph (1) or the particulars prescribed in the preceding paragraph in a document prescribed in Article 16-2, paragraph (1) or (2) of the Money Lending Business Act as applied mutatis mutandis, notwithstanding the provisions of the preceding two paragraphs.

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

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

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

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

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

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

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

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

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

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

(2)What are specified by Cabinet Office Order as prescribed in the second sentence of Article 17, paragraph (1) of the Money Lending Business Act as applied mutatis mutandis are the following particulars (in the case where the details of the changes to the particulars are stated in the documents to be delivered under the provisions of the second sentence of paragraph (2) of the same Article, excluding the relevant particulars):

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

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

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

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

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

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

(9)In the case where, under the provisions of the first sentence of Article 17, paragraph (4) of the Money Lending Business Act as applied mutatis mutandis, a financial service intermediary delivers to the guarantor a document disclosing the details of the loan contract in regard to the particulars set forth in the items of paragraph (1) of the same Article, the relevant document must be delivered without delay at each time when it concludes a loan contract to be covered by the guarantee.

(10)What are specified by Cabinet Office Order as prescribed in the second sentence of Article 17, paragraph (4) of the Money Lending Business Act as applied mutatis mutandis are the particulars specified in paragraph (2) (in the case where the details of the changes to the particulars are stated in the documents to be delivered under the provisions of the second sentence of paragraph (5) of the same Article, excluding the relevant particulars).

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

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

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

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

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

(16)In the case where a money lender has delivered documents stating the particulars set forth in the items of paragraph (1) or the items of paragraph (3) to the counterparty to a loan contract under the provisions of Article 17, paragraph (1), (2) or (5) of the Money Lending Business Act as applied mutatis mutandis, a financial service intermediary does not need to state the particulars set forth in the items of paragraph (1) and the items of paragraph (3) in a document prescribed in Article 17, paragraph (1), (2) or (5) of the Money Lending Business Act as applied mutatis mutandis, notwithstanding the provisions of paragraph (1) and paragraph (3).

(17)What are specified by Cabinet Office Order as prescribed in Article 17, paragraph (6) of the Money Lending Business Act as applied mutatis mutandis are documents in which the following particulars are stated clearly and accurately by using letters and numerical characters larger than 8-point as prescribed in Z8305 of the Japanese Industrial Standards, with regard to the loan, performance and any other situation of transactions made during a certain period specified by a financial service intermediary within one month (in the case where, the financial service intermediary has not provided an intermediary service for loan contracts during the certain period, excluding the particulars set forth in items (iii) through (ix), (xi) through (xvi), and (xx), and where the financial service intermediary has not received performance during the certain period, excluding the particulars set forth in items (xvii) through (xix)):

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

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

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

(2)With regard to the particulars set forth in items (ii) and (iii) of the preceding paragraph, the statement of those particulars may be substituted by clearly indicating the loan contract related to the claim for which performance was made with its contract number or other information.

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

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

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

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

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

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

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

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

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

(2)When sending documents demanding payment or electronic or magnetic records in lieu thereof to the obligor, etc. under the provisions of Article 21, paragraph (2) of the Money Lending Business Act as applied mutatis mutandis, a financial service intermediary or a person who was entrusted by a financial service intermediary or any other person with the collection of claims under the financial service intermediary's loan contract must employ a method of putting the documents in an envelope, a method of sending an e-mail to an e-mail address that is evidently used only by the obligor, etc., or other method that would not disclose the fact concerning the obligor's borrowing to persons other than the obligor, etc.

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

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

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

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