Notice

Article 4 (Use, Provision, Registration, etc. of Personal Information by Personal Credit Information Agencies)

1. In a case where the customer’s personal information is registered with any personal credit information agency of which the Bank and the Guarantee Company are members and any other personal credit information agency affiliated with such agency (which information includes the contract details, repayment status and other information registered by any members of the respective agencies as well as information on dishonored bills and checks, information reported by the customer, and information published in official gazettes in relation to bankruptcy or other matters, information contained in phonebooks, and information for which registration is requested by the Japan Financial Services Association, in each case as registered by the respective agencies), the customer consents to the Bank and the Guarantee Company receiving such personal credit information at the time of the Application and the execution of this Agreement or at any time during the term of this Agreement, and using the same in making a decision on credit transactions (i.e., for the Bank to examine the customer’s repayment capability and investigate the new address after relocation, and for the Guarantee Company to examine the customer’s repayment capability, provided that information concerning the customer’s repayment capability may be used by the Bank or the Guarantee Company only for the purpose of examining repayment capability pursuant to Article 13-6-6 of the Enforcement Regulations of the Banking Act or the Moneylending Business Act, as the case may be; and the same shall apply hereinafter).

2. The customer consents to any personal information (including archival records) under this Agreement being provided to and registered with any personal credit information agency of which the Bank and the Guarantee Company are members, and being used by any member of such agency and any other personal credit information agency affiliated with such an agency in making its own decisions concerning credit transactions, as set out below.
Type of information to be registered and duration of registration (please refer to Article 5 for the contact details of each personal credit information agency)
Japanese Bankers Association Personal Credit Information Center
• Identification information such as name, date of birth, sex, address (including information on whether mails have reached, or have failed to reach, the customer at that address), telephone number and workplace: Such information shall continue to be registered so long as any of the following information is registered.
• Date on which the personal credit information agency is used, the contents of this Agreement or applications therefor, etc.: For a period of one (1) year or less from the date on which credit information is used by the Bank.
• Objective transactional facts relating to this Agreement such as amount of debt, date of borrowing, final repayment date and other terms and conditions of this Agreement, and the status of repayment (including matters regarding any payment in subrogation, enforcement procedures for collection, termination, full repayment, delay in repayment, etc.): During the term of this Agreement and for a period of five (5) years or less from the date of termination of this Agreement (or, if debts are outstanding, the date of full repayment).
• Matters regarding any delay in the payment of debts: During the term of this Agreement and for a period of five (5) years or less from the date of termination of this Agreement (or, if debts are outstanding, the date of full repayment).
• Information on dishonored bills and checks: For any first time dishonoring, a period of six(6) months or less from the date of such dishonoring; and for any disposition for suspension of transactions, a period of five (5) years or less from the date of such disposition.
• Information published in official gazettes: For a period of ten (10) years or less from the date on which a decision is made by the court to commence bankruptcy proceedings or other similar proceedings.
• Existence of any investigation triggered by a complaint regarding registered information: During the period of investigation.
• Information reported by customers in relation to any loss, theft, etc. of identification documents, their intention to ask credit providers to refrain from extending loans to them, etc.: For a period of five (5) years or less from the date of such report.

Article 4 (Use, Provision, Registration, etc. of Personal Information by Personal Credit Information Agencies)

1. In a case where the customer’s personal information is registered with any personal credit information agency of which the Bank and the Guarantee Company are members and any other personal credit information agency affiliated with such agency (which information includes the contract details, repayment status and other information registered by any members of the respective agencies as well as information reported by the customer, information published in official gazettes in relation to bankruptcy or other matters, information contained in phonebooks, and information for which registration is requested by the Japan
Financial Services Association, in each case as registered by the respective agencies), the customer consents to the Bank and the Guarantee Company receiving such personal credit information at the time of the Application and the execution of this Agreement or at any time during the term of this Agreement, and using the same in making a decision on credit transactions (i.e., for the Bank to examine the customer’s repayment capability and investigate the new address after relocation, and for the Guarantee Company to examine the customer’s repayment capability, provided that information concerning the customer’s repayment capability may be used by the Bank or the Guarantee Company only for the purpose of examining repayment capability pursuant to Article 13-6-6 of the Enforcement Regulations of the Banking Act or the Moneylending Business Act, as the case may be; and the same shall apply hereinafter).
2. The customer consents to any personal information (including archival records) under this Agreement being provided to and registered with any personal credit information agency of which the Bank and the Guarantee Company are members, and being used by any member of such agency and any other personal credit information agency affiliated with such an agency in making its own decisions concerning credit transactions, as set out below.
Type of information to be registered and duration of registration (please refer to Article 5 for the contact details of each personal credit information agency)
Japanese Bankers Association Personal Credit Information Center
• Identification information such as name, date of birth, sex, address (including information on whether mails have reached, or have failed to reach, the customer at that address), telephone number and workplace: Such information shall continue to be registered so long as any of the following information is registered.
• Date on which the personal credit information agency is used, the contents of this Agreement or applications therefor, etc.: For a period of one (1) year or less from the date on which credit information is used by the Bank.
• Objective transactional facts relating to this Agreement such as amount of debt, date of borrowing, final repayment date and other terms and conditions of this Agreement, and the status of repayment (including matters regarding any payment in subrogation, enforcement procedures for collection, termination, full repayment, delay in repayment, etc.): During the term of this Agreement and for a period of five (5) years or less from the date of termination of this Agreement (or, if debts are outstanding, the date of full repayment).
• Matters regarding any delay in the payment of debts: During the term of this Agreement and for a period of five (5) years or less from the date of termination of this Agreement (or, if debts are outstanding, the date of full repayment).
• Information published in official gazettes: For a period of seven (7) years or less from the date on which a decision is made by the court to commence bankruptcy proceedings or other similar proceedings. • Existence of any investigation triggered by a complaint regarding registered information: During the period of investigation.
• Information reported by customers in relation to any loss, theft, etc. of identification documents, their intention to ask credit providers to refrain from extending loans to them, etc.: For a period of five (5) years or less from the date of such report.