Statement of Important Matters(International Money Transfer Service)

1. This Service is provided by Seven Bank (the "Bank") and is not a service independently provided by the Alliance Partner. Neither the Alliance Partner nor the Payment Center will be a party to transactions with customers.
   • ◆Money transfers through this Service can be received at the Payment Center affiliated with the Alliance Partner. However, such service by the Alliance Partner and the Payment Center is provided to the Bank (not to customers) under the alliance between the Bank and the Alliance Partner. All rights and obligations of the customer arising out of the use of this Service shall arise and belong to the customer only between the customer and the Bank.
2. As a general rule, this Service will be in the Japanese language. Indications, etc. in other languages will be limited, and if there is any inconsistency in meaning or contents between the Japanese version and such other languages, the Japanese version will control.
   • ◆For customers' convenience and support, indications, etc. may also be made in languages other than Japanese, but such indications, etc. will be limited. For example, certain transaction screens are indicated in Japanese and English, and customer services at the Telephone Center will be in Japanese and English; however, these are limited to the extent the Bank deems appropriate and are subject to change or cancellation without prior notice.
3. The Bank will not process any money transfer subject to prior permission, notification or the like under the "Foreign Exchange and Foreign Trade Act" and restrictions where the Bank is required to confirm the completion of such procedures at the time of the transaction.
   • ◆The above Act restricts money transfers: (1) to any entities or persons subject to asset freeze or other economic sanctions; (2) purported to assist certain activities of certain countries; and (3) to pay for trades involving certain countries. Each customer is required to, in requesting a transaction, confirm that the transaction does not fall under any of these. For specific contents to be confirmed, please refer to the Internet homepage of the Bank (the contents will be updated according to changes in applicable laws and ordinances).
4. The Bank's prescribed foreign exchange rate applicable to currency conversion of this Service includes a spread prescribed by the Bank. In addition to the send charge, profits relating to the currency conversion will be partially distributed to the Alliance Partner.
   • ◆The Bank's prescribed foreign exchange rate applicable to currency conversion of this Service is the product of a general interbank foreign exchange rate specified at points of time and a method prescribed by the Bank, plus and a spread prescribed by the Bank. As a general rule, the rate will be changed at a frequency prescribed by the Bank (multiple times a day).
5. The "Exchange Rate" and the "Amount to be Received" displayed on the screen when the transaction is accepted may differ from the actual rate applied and/or amount received.
   • ◆As a general rule, the "Exchange Rate" applicable to currency conversion of this Service and the "Amount to be Received" calculated by converting to the foreign currency designated by the customer at such rate will be those shown on the screen and confirmed by the customer when the transaction is accepted.
   • ◆In certain payout countries, however, the actual rate applied and/or amount received may differ from those confirmed by the customer due to reasons such as (1) currency conversion made to the payout currency with the Bank's prescribed exchange rate as at the time of payment or other point in time, (2) taxes and/or fees imposed upon payment of the money transfer, etc.
6. Please notify the intended receiver of transaction details including the Money Transfer Control Number (MTCN) and the test question and answer to it issued when the transaction is accepted, and manage and keep them with care. Upon receipt, it will be necessary to take certain procedures, including presentation and provision of documents and information as prescribed by the Payment Center, in addition to presentation of the details of the transaction.
   • ◆The Bank will, upon accepting a transaction, issue a Money Transfer Control Number (MTCN) and, if needed for payout, a test question and the answer to it and display these, together with other transaction details, on the transaction screen or the transaction statement (receipt). To receive payment, the receiver needs to present these transaction details at the Payment Center. Please do not disclose such details to anyone other than the intended receiver. The Bank will not be liable for any damages arising from the use of these by any third party other than the customer or the intended receiver.
7. Even if the Bank accepts money transfer request, there may be cases where the receiver is unable to receive payment at any part or all of the Payment Center located in the payout country due to restrictions on transactions prescribed by the Alliance Partner or the Payment Center.
   • ◆Alliance Partner or Payment Center may establish or change restrictions on the payment to receivers, etc. without any prior notice. The restrictions include limits on payout amount and frequency of payment, restrictions on kinds and volume of currencies handled for payment, qualification requirements of the receiver such as those on its age, address and whereabouts, and restrictions under laws and ordinances of the payout country, etc. Money transfer accepted by the Bank will be limited by these restrictions, and payment to a receiver will be made only within such limitation. There may be cases where a separate transaction, such as conversion to another currency (including conversion of small denominations of the payout currency into another currency), is required for payment.
   • ◆If the Bank deems that the receiver cannot receive payment at any of the Payment Center located in the payout country due to reasons attributable neither to the customer nor the receiver, the Bank will, as a general rule, refund all of the transfer funds, various fees, charges and costs received from the customer, after cancellation of such transaction.
8. A receiver shall effect any separate transactions with the Payment Center under his/her own responsibilities. The Bank will not be liable, regardless of the reasons for the transactions.
   • ◆As a general rule, a receiver will, through this Service, receive payment in cash in a foreign currency designated by the customer. There may be cases where a receiver is required to effect a separate transaction, such as crediting to the receiver’s deposit account or conversion into another currency (including conversion of small denominations of the payout currency into another currency), etc., or is able to receive payment in other manners or in other currencies than those designated by the customer by a separate transaction with the Payment Center. Even in cases where the terms of the transaction, which are confirmed by the customer at the time when the transaction is accepted, have changed or the receiver suffers any cost burden or disadvantage in connection with such transactions, the Bank shall not be liable for them. The same will apply in the cases where the receiver is unable to receive payment in a currency designated by the customer due to any restriction on transactions prescribed by the Alliance Partner or the Payment Center.
9. The Bank will acquire and use customer information including "nationality" and "country/place of birth." The Bank will provide the Alliance Partner and the Payment Center with information deemed necessary by it among such customer information.
   • ◆The Bank will acquire and make a use (including the provision to third parties set forth below) of each customer's "nationality" and "country/place of birth" in order to ensure the appropriate operation of this Service and other business activities of the Bank.
   • ◆The Bank will provide information, which is deemed necessary by the Bank among the customer information, to the Alliance Partner and the Payment Center for the Alliance Partner or the Payment Center to make payment to receivers or otherwise to support the Bank's processing of money transfer transactions or comply with laws and ordinances. The information provided by the Bank may also be used for data analysis (provided that no individual customer will be singled out in connection with the analysis) for improving services of the Alliance Partner. Incidentally, such information may be mutually provided among the Alliance Partner and the Payment Center for these purposes of use.
   • ◆The information that may be provided to third parties is any personal information, transaction information and other information provided by a customer to the Bank in relation to the customer's Seven Bank Account, this Service and other services using such account, or transactions by these services. The information includes contents of any documents submitted by the customer and his/her transaction requests, his/her "nationality" and "country /place of birth" and information on receivers.
10. After accepting money transfer request, the Bank will not process any customer requests for change to such request.
    • ◆If a customer needs to change money transfer request, the customer needs to once cancel such request, register the recipient as necessary, and newly make a request in conditions reflecting such change.
11. The Bank will handle cancellation by a customer only if the payment to the receiver has not been completed. As a general rule, money transfer that is not received within the 30-day period starting from the date that such money transfer request is accepted will be cancelled by the Bank promptly, and the transfer funds will be refunded to the customer.
    • ◆In any of the above cancellations, as a general rule, the send charge and other fees and various charges, among the transfer funds and other moneys paid by the customer, will not be refunded. The transfer funds will be refunded to the customer’s Seven Bank Account (ordinary deposit). Such refund may take at least four business days from the date of cancellation. In certain cases, the Bank may not be able to make the refund if such refund is restricted under laws and ordinances.
    • ◆Cancellation by a customer will be handled at the Telephone Center. However, the Bank will not handle cancellation if such cancellation is prohibited under laws and ordinances or such cancellation is refused by the Alliance Partner.
    • ◆Cancellation of money transfer that is not received within the 30-day period will not be notified to the customer.
12. The Bank will not be liable for any damage in relation to this Service arising due to any reasons other than those attributable to the Bank, such as damage arising from erroneous payment or non-payment caused for any reasons attributable to the Alliance Partner or the Payment Center and damage arising from any failure of system, etc.
    • ◆The reasons other than those attributable to the Bank include erroneous payment, non-payment, shortage of payment, or delayed payment, caused for any reasons attributable to the Alliance Partner or the Payment Center. Also, such reasons include any failure of system, etc., including terminals and means of communication, (with respect to the Bank's system, etc., such failure will be one that occurred despite reasonable security measures taken by the Bank). The Bank will not be liable for any damage due to such reasons.
    • ◆However, in a case where as a result of the Bank's investigation of a transaction based on the customer's inquiry, the Bank and the Alliance Partner confirm that any erroneous payment or non-payment was caused for any reasons that are attributable to the Alliance Partner or the Payment Center (or in a case where the Bank deems that the situation is equivalent thereto), the Bank will take measures which the Bank deems appropriate, such as canceling the money transfer or re-implementing the payment, upon giving a consideration to the customer's intention.
13. The Bank's liability in relation to this Service shall be limited to direct and actual damage and up to the total amount (in Japanese Yen) paid by the customer.
    • ◆The Bank's liability shall not include indirect damage, consequential damage, lost earnings, lost opportunities, incidental loss, etc., regardless of any legal causes of action. The Bank shall not be liable for any amount beyond the total amount (in Japanese Yen) of the transfer funds, various fees, charges and costs that were received when the Bank accepted the transaction.

(Formulated on November 21, 2011)

*The above is the translation of the Japanese version just for customers'convenience and support. If there is any inconsistency in meaning or contents between the above and the Japanese version, the Japanese version will control.