Financial Instruments Transactions Other Than Investment Trusts and Financial Instruments Intermediary Services (SBI Securities Co., Ltd. or Monex, Inc.)

• Securities are not bank deposits.
• Securities are not covered by deposit insurance. The securities sold through financial instruments intermediary services will be purchased through comprehensive securities accounts at SBI Securities Co., Ltd. or Monex, Inc., (SBI Securities Co., Ltd. and Monex, Inc. may collectively be referred to as “Entrusted Financial Instruments Transaction Operators,” or either of the two companies may be referred to as the “Entrusted Financial Instruments Transaction Operator” depending on the context of this document hereinafter), meaning that the securities are covered by the Investor Protection Funds. (Monex, Inc. calls Comprehensive Securities Accounts “Comprehensive Securities Transaction Accounts,” however, this document calls all accounts of Entrusted Financial Instruments Transaction Operators “Comprehensive Securities Accounts.”)
• Neither principal nor yield is guaranteed in securities transactions. The principal amount invested may therefore fall below its original value due to price fluctuation risk caused by the stock market related to the securities or underlying assets, interest rate levels, exchange rate fluctuations, changes in the issuer’s credit standing and changes in the political and economic situation inside and outside Japan.
• Risks, including a decrease in the value of assets invested, are attributable to the customer who purchased the securities.
• Securities are subject to credit risk of the issuer, etc.
• Securities with low liquidity may face price fluctuations or may not be traded.
• Foreign currency-denominated securities are subject to foreign exchange risk.
• SBI Shinsei Bank undertakes brokerage of securities trading as financial instruments intermediary services with SBI Securities Co., Ltd. or Monex, Inc. as the Entrusted Financial Instruments Business Operator.
• “Opening a securities account” means opening a Comprehensive Securities Account at the Entrusted Financial Instruments Business Operator selected by the customer. Purchasing securities through the financial instruments intermediary services requires the opening of a Comprehensive Securities Account at SBI Securities Co., Ltd. or Monex, Inc.
• The Bank accepts applications for opening a securities account only from customers who satisfy the conditions prescribed by the Entrusted Financial Instruments Business Operator.
• All financial instruments transactions including stock trading after a securities account is opened will be transactions between the customer and the Entrusted Financial Instruments Business Operator selected by the customer. SBI Shinsei Bank accepts applications for orders, and SBI Securities Co., Ltd. or Monex, Inc. accepts and executes the orders.
• SBI Shinsei Bank’s financial instruments intermediary services do not charge any fee to the customer. However, the Bank may gain as compensation part of the fees paid by the customer to the Entrusted Financial Instruments Business Operator.
• The financial instruments transactions conducted through SBI Shinsei Bank’s financial instruments intermediary services incur fees and expenses, etc. prescribed by the Entrusted Financial Instruments Business Operator selected by the customer. Specific amounts or the calculation method of the fees, etc. related to the transactions with the Entrusted Financial Instruments Business Operator cannot be provided because they differ and vary depending on the product, issue, transaction amount and the method of transaction, etc. Furthermore, the products and fee structure may differ from those for direct transactions with SBI Securities Co., Ltd. or Monex, Inc.
  Please check the following site for the fees, expenses and notes related to transactions with SBI Securities Co., Ltd.:
  Fees:
  https://www.sbisec.co.jp/ETGate/?_ControlID=WPLETmgR001Control&_DataStoreID=DSWPLETmgR001Control&burl=search_home&cat1=home&cat2=price&dir=price%2F&file=home_price.html&getFlg=on
  Please check the following site for the fees related to transactions at SBI Shinsei Bank Money Plaza.:
  https://www.sbisec.co.jp/ETGate/WPLETmgR001Control?OutSide=on&getFlg=on&burl=search_home&cat1=home&cat2=price&dir=price&file=home_price_plan_a.html
  https://search.sbisec.co.jp/v2/popwin/info/home/pop6040_torihikihou.html
  Please check the following site for the fees, expenses and notes related to transactions with Monex, Inc.:
  https://info.monex.co.jp/policy/risk/index.html
• When applying through the financial instruments intermediary services for purchasing a product offered by the Entrusted Financial Instruments Business Operator you have selected, please make sure to confirm the latest prospectuses, sales brochures and documents issued prior to contract conclusion to fully understand the details of the product and apply based on your own decision and responsibility.
• Prospectuses and sales brochures are available at SBI Shinsei Bank counters or on the website of the Entrusted Financial Instruments Business Operator. (For products offered only at SBI Shinsei Bank counters, please check the documents at the counters. For products available only on the website of SBI Securities Co., Ltd. or Monex, Inc., please check on the website of SBI Securities Co., Ltd. or Monex, Inc.) These documents are not available at SBI Shinsei Bank counters that do not offer financial instruments intermediary services.
• Whether the customer conducts financial instruments intermediary transactions with the Bank does not affect the customer’s other transactions with the Bank such as loans. Similarly, the customer’s transactions with the Bank such as loans do not affect the customer’s financial instruments intermediary transactions.
• Entrusted Financial Instruments Transaction Operators:
  Trade name: SBI Securities Co., Ltd., Financial instruments business operator number: Kin-sho 44 of the Director-General of the Kanto Local Finance Bureau, commodity futures trader
  A member of the Japan Securities Dealers Association, the Type II Financial Instruments Firms Association, the Financial Futures Association of Japan, the Japan Security Token Offering Association and the Commodity Futures Association of Japan
  Trade name: Monex, Inc., Financial instruments business operator number: Kin-sho 165 of the Director-General of the Kanto Local Finance Bureau
  A member of the Japan Securities Dealers Association, the Type II Financial Instruments Firms Association, the Financial Futures Association of Japan, the Japan Virtual and Crypto Assets Exchange Association and the Japan Investment Advisers Association
• Registered financial institution for handling sales:
  SBI Shinsei Bank, Limited, Registered financial institution number: To-kin 10 of the Director-General of the Kanto Local Finance Bureau
  A member of the Japan Securities Dealers Association and the Financial Futures Association of Japan

[as of January 4, 2023]