Basic Policy Concerning Protection of Personal Information

Purpose of Use of Personal Information

The Bank shall use the personal information it collects with respect to the following operations to the extent required for the fulfillment of the following purposes of use, pursuant to the PIPA (Law No. 57 of May 30, 2003).
The Bank shall try to limit the purpose of use according to the occasion of acquisition, for example, use the personal information collected through answers to questionnaires only to sum up the results of questionnaires as well as the Bank shall prepare specific provisions so that the purpose of use is clear to the person.

-Particulars-
Description of Operations

Deposit, domestic exchange, money exchange, loan, foreign exchange and any incidental business thereto

Any business bank is permitted under law such as investment trust sales, insurance sales, stock-broking, trust and bonds and any incidental business thereto

Any other business which banks are permitted to conduct and any incidental business thereto (including business which banks will be permitted to conduct in the future)
Purpose of Use The Bank will use the personal information in connection with the financial products and services of the Bank and its subsidiaries and affiliated companies for the following purposes:

Acceptance of applications for financial products and services such as opening of accounts for various financial products;

Identification and confirmation of qualification for use of financial services under the Act on Prevention of Transfer of Criminal Proceeds;

Management of continuous transactions such as control of due date for deposit and loan transactions;

Judgment upon application for loans and continuous use of loans, etc.;

Judgment of appropriateness of provision of financial products and services such as a determination about the presence of fitness;

Provision of personal information to third parties to the extent required for the appropriate performance of operations such as provision to personal credit information organizations of which the Bank is a member upon conducting credit business;

Appropriate performance of entrusted operations where the whole or any part of the handling of personal information is entrusted to the Bank by other entities;

Exercise of right and performance of obligations prescribed in contracts (contract between the Bank and customers and contracts directly or indirectly connected to the Bank's operations) and relevant laws;

Market research and research and development of financial products and services through data analyses and questionnaires;

Offering of various information on the financial products and services of the Bank such as dispatch of notice through direct mail;

Offering of various information on the products and services of affiliated companies;

Termination of various transactions and post-termination management;

Evaluation of assets upon various sales of claims and purchase of securities; and

Any other purposes for the appropriate and smooth performance of the financial products and services offered by the Bank.
In addition, personal information will be used for the following purposes relating to internal control of the Bank and the Group:

Making the Group fully informed of various risks, and management of operations;

Management of employment issues within the Bank; and

Administrative business concerning public relations activities, investor-relations activities, recording the transfer of shares in the shareholder's register and any other exercise of shareholders' rights.
Furthermore, as stated below, where the purpose of use of specific personal information is limited under laws and ordinances, such personal information shall not be used for any other purpose:

Pursuant to the Enforcement Regulations of the Banking Act and so forth, any information concerning the debt-paying ability of the customer who is in need of funds shall not be used for any purpose other than examination of the debt-paying ability of such customer nor shall it be provided to any third party; and

Pursuant to the Enforcement Regulations of the Banking Act and so forth, any special private information such as information on race, belief, family origin, registered domicile, healthcare record or criminal record shall not be used for any purpose other than those deemed necessary for the appropriate management of operations or otherwise nor shall it be provided to any third party.

Latest Revision: March 12, 2010

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