Terms and Conditions

Terms and Conditions

As of October 29, 2013

The websites, www.shinseibank.com, www.shinseibank.co.jp, www.shinsei-style.com, careers.shinseibank.com, sre.shinseibank.com, lake.jp and lakelady.jp (together called the Shinsei Bank websites) are operated by Shinsei Bank, Limited. Please read the following terms and conditions carefully before accessing the Shinsei Bank websites and any information contained therein. Shinsei Bank reserves the right to change, modify, add, or remove portions of the terms and conditions at any time without prior notification. Please check the terms and conditions periodically for changes.

When using a banking service provided by Shinsei Bank, trade clauses and other related conditions apply in addition to the terms and conditions. Shinsei Bank has established a Policy for Sales of Financial Products to explain the clauses and conditions to customers. Please read this information before you using or purchasing our financial products and services. For users who obtain any Shinsei Bank timely disclosure information through the websites, Shinsei Bank provides Our Approach to Timely Disclosure to describe our approach and method. In order to appropriately protect and manage customers' personal information, Shinsei Bank has established a Basic Policy Concerning Protection of Personal Information.

1. INFORMATION POSTED ON WEBSITES

For the purpose of disclosure, Shinsei Bank websites contain a variety of information, including news releases for the media. Shinsei Bank makes every effort to check and update this information on a regular basis, but it does not assume any liability for, or guarantee the accuracy of, the timeliness or completeness of the information, which may not contain all the information released to the media.

2. FORWARD-LOOKING STATEMENTS

Materials available through the Shinsei Bank websites contain forward-looking statements about our industry, business, plans and objectives, financial condition and results of operations that are based on our expectations, assumptions, estimates and projections at the time the materials were released.

These forward-looking statements are subject to various risks and uncertainties. Generally, the forward-looking statements can be identified by the use of such words as"may," "will," "expect," "anticipate," "estimate," or "plan."

Known and unknown risks, uncertainties and other factors could cause our results to differ materially from those contained in, or suggested by, any forward-looking statement. We cannot promise that our expectations, projections, anticipated estimates or other information expressed in these forward-looking statements will turn out to be correct and do not guarantee that any forward-looking statements will be updated on a timely basis or at all.

Potential risks and uncertainties include, without limitation, changes in overall economic conditions in Japan; negative developments with respect to the Japanese financial system; market risks affecting our trading and investment activities, including changes in interest rates, the effects of changes in legislation, regulations, or other government actions; unexpected challenges in expanding our business activities; as well as our ability to maintain adequate risk controls and other factors, some of which are beyond our control.

3. COPYRIGHT

Copyright in all of the material displayed on the Shinsei Bank websites (including information, trademarks and design) shall remain the property of Shinsei Bank. Copyrights of Shinsei Bank websites as a whole shall also remain the property of Shinsei Bank. Shinsei Bank websites may not be used, copied, or changed beyond the purpose of private use or as permitted by law without the permission of the Bank.

4. PROTECTION OF PERSONAL INFORMATION

Shinsei Bank receives and stores any information you enter on the Shinsei Bank websites, including, but not limited to, addresses, names, telephone numbers and e-mail addresses, for the purpose of sending documents such as Annual Reports and collecting information submitted by job applicants. Based on Basic Policy Concerning Protection of Personal Information, Shinsei Bank shall appropriately protect and manage personal information as stated in Purpose of Use of Personal Information and shall not be used for any other purpose. Shinsei Bank shall not provide or disclose the collected personal information to any third party, except in cases stated in Basic Policy Concerning Protection of Personal Information.

5. COOKIES

The Shinsei Bank website uses cookies and Web beacons for such purposes as improving security and usability, learning customers' access trends from their web browsers, and offering services tailored to each customer. A cookie is a small piece of data sent from a website and stored in a user's web browser while the user is browsing the website. It allows the web server to identify the user when the user accesses the same website next time. Web beacons are technologies used to track how many times a user has accessed a certain website. The cookies for the Shinsei Bank website do not include information that can be used to identify customers such as their name, birth date, telephone number, email address, and residential address. However, the cookies for Shinsei PowerDirect users and customers who have corresponded with us using e-mail may include information that only allows Shinsei Bank to identify them in order to provide services tailored to each customer (no one other than Shinsei Bank may use such information to identify the customers). Browser software can be set to reject cookies, but if this is done, part of the Shinsei Bank website may not be accessible. Cookies do not affect your personal computer or any information in it.

6. LINKED SITES OPERATED BY THIRD PARTIES

Any website linked from/to Shinsei Bank websites (hereafter referred to as "linked site") is operated by the relevant third party and any information on the linked site is not under the control of, or operated by, Shinsei Bank. Shinsei Bank accepts no liability whatsoever for the information and content of any linked site.

7. PROHIBITED ACTIVITIES

When accessing Shinsei Bank websites, individuals are prohibited from conducting any activities that directly of indirectly :

  1. Infringe on innocent bystanders' or Shinsei Bank's assets or privacy.
  2. Damage innocent bystanders or Shinsei Bank.
  3. Offend public decency, or violate laws and regulations.
  4. Involved the declaring or reporting of false information, such as registering another person's e-mail address.
  5. Use or spread harmful computer programs, such as computer viruses.
  6. Involve activities that Shinsei Bank considers inappropriate.

8. LIMITATION OF LIABILITY

In no event will Shinsei Bank be liable for any trouble, damages or losses arising from the information or materials contained on, or the use of, Shinsei Bank websites. Furthermore, in no event will Shinsei Bank be liable for any trouble, damages or losses arising from the interruption or suspension of the operation of Shinsei Bank websites, or from changes in the information and materials contained therein.

9. LANGUAGE

Should there be any differences in the interpretation of the Japanese- and English-language versions of these Terms and Conditions, the Japanese version shall have priority.

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