This Act comes into effect as of December 1, 1998;provided, however, that the provisions set forth in the following items come into effect as of the day specified in each of those items:

①Until the last day of the one-year period that begins on the effective date, the provisions of Article 13, paragraph (1) of the Banking Act after the amendment pursuant to the provisions of Article 10 (hereinafter referred to as the "new Banking Act") (including as applied mutatis mutandis pursuant to Article 17 of the Long-Term Credit Bank Act after the amendment pursuant to the provisions of Article 11 (hereinafter referred to as the "new Long-Term Credit Bank Act"), Article 89 of the Shinkin Bank Act after the amendment pursuant to the provisions of Article 13 (hereinafter referred to as the "new Shinkin Bank Act"), Article 94 of the Labor Bank Act after the amendment pursuant to the provisions of Article 14 (hereinafter referred to as the "new Labor Bank Act"), and Article 6 of the Act on Financial Businesses by Cooperative after its amendment pursuant to the provisions of Article 16 (hereinafter referred to as the "new Act on Financial Services by Cooperative") (hereinafter referred to as the "in the case as applied mutatis mutandis pursuant to Article 17, etc. of the new Long-Term Credit Bank Act" in this Article through Article 105 of these Supplementary Provisions); hereinafter the same applies in this paragraph and the following paragraph) do not apply to the grant of credit or making of contribution (meaning the grant of credit or making of contribution prescribed in Article 13, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph and the following paragraph) by a bank (meaning a bank as defined in Article 2, paragraph (1) of the new Banking Act; the same applies hereinafter), long-term credit bank (meaning a long-term credit bank as defined in Article 2 of the new Long-Term Credit Bank Act; the same applies hereinafter), Shinkin bank or federation of Shinkin banks, labor bank or federation of labor banks, or credit cooperative or federation of credit cooperatives (meaning federation of credit cooperatives as defined in Article 2, paragraph (1) of the new Act on Financial Services by Cooperatives; the same applies hereinafter) (hereinafter referred to as a "bank, etc." in this Article through Article 105 of these Supplementary Provisions) to a single person specified in Article 13, paragraph (1) of the new Banking Act, in an amount that exceeds the limit on credit and contribution (meaning the limit on credit and contribution prescribed in Article 13, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph) by the time when this Act comes into effect, if the bank, etc. files a notification to that effect with the Financial Reconstruction Commission (or with the Financial Reconstruction Commission and the Minister of Labor, if it is a labor bank or federation of labor banks; or with the administrative authority referred to in Article 7, paragraph (1) of the new Act on Financial Services by Cooperative, if it is a credit cooperative or federation of credit cooperatives; hereinafter the same applies in this paragraph and the following paragraph) by the last day of the three-month period that begins on the effective date. In such a case, if it is likely that it would significantly hinder that one person from continuing business if the bank, etc. does not continue to grant credit or make contribution to the person in excess of the limit on credit and contribution after the last day of the one-year period that begins on the effective date, or there are other compelling reasons, and the bank, etc. obtains the approval of the Financial Reconstruction Commission before that day, the bank, etc. is deemed to have obtained the approval prescribed in the proviso to Article 13, paragraph (1) of the new Banking Act on the day after that day.

②Until the last day of the one-year period that begins on the effective date, the provisions of Article 13, paragraph (2) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17, etc. of the new Long-Term Credit Bank Act; hereinafter the same applies in this paragraph) do not apply to the grant of credit and making of contribution by a bank, etc. and its subsidiary companies, etc. (meaning subsidiary companies, etc. as provided for in Article 13, paragraph (2) of the new Banking Act; hereinafter the same applies in this paragraph) or by its subsidiary companies, etc., to a single person specified in Article 13, paragraph (1) of the new Banking Act, in a total amount that exceeds the consolidated limit on credit and contribution (meaning the consolidated limit on credit and contribution prescribed in Article 13, paragraph (2) of the new Banking Act; hereinafter the same applies in this paragraph) at the time this Act comes into effect, if the bank, etc. files a notification to that effect with the Financial Reconstruction Commission by the last day of the three-month period that begins on the effective date. In such a case, if it is likely that it would significantly hinder that person from continuing business if the bank, etc. and its subsidiary companies, etc. or the bank's subsidiary companies, etc. do not continue to grant credit or make contribution to the person in a total amount that exceeds the consolidated limit on credit and contribution after the last day of the one-year period that begins on the effective date, or there are other compelling reasons, and the bank, etc. obtains the approval of the Financial Reconstruction Commission before that day, the bank, etc. is deemed to have obtained the approval referred to in the proviso to Article 13, paragraph (1) of the new Banking Act as applied mutatis mutandis pursuant to the second sentence of Article 13, paragraph (2) of that Act on the day after that day.

③The provisions of Article 52-6, paragraph (1) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act; hereinafter the same applies in this paragraph) do not apply, until the last day of the one-year period that begins on the effective date, to credit and contribution (meaning the credit and contribution prescribed in Article 52-6, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph) to a single person prescribed in Article 52-6, paragraph (1) of the new Banking Act by a bank holding company prescribed in Article 2, paragraph (11) of the new Banking Act (hereinafter referred to as a "bank holding company" in this paragraph) or its subsidiary companies, etc. (meaning the subsidiary companies, etc. prescribed in Article 52-6, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph), or by a long-term credit bank holding company prescribed in Article 16-4, paragraph (1) of the new Long-Term Credit Bank Act (hereinafter referred to as a "long-term credit bank holding company" in this paragraph) or its subsidiary companies, etc., in a total amount that, at the time this Act comes into effect, exceeds the maximum amount of credit and contribution by a bank holding company (meaning the maximum amount of credit and contribution by a bank holding company prescribed in paragraph (1) of that Article; hereinafter the same applies in this paragraph), if the bank holding company or the long-term credit bank holding company (hereinafter referred to as a "bank holding company, etc." in this paragraph and Article 105 of the Supplementary Provisions) files a notification to that effect with the Financial Reconstruction Commission by the last day of the three-month period that begins on the effective date. In such a case, if it is likely that it would significantly hinder that single person from continuing business if the bank holding company or its subsidiary companies, etc. or the long-term credit bank holding company or its subsidiary companies, etc. do not continue to grant that credit and contribution to that single person in a total amount that exceeds the maximum amount of credit and contribution by a bank holding company after that day, or there are other compelling reasons, and the bank holding company, etc. obtains the approval of the Financial Reconstruction Commission by that day, the bank holding company, etc. is deemed to have obtained the approval under the proviso to Article 52-6, paragraph (1) of the new Banking Act on the day following that day.

The provisions of Article 13-2 of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17, etc. of the new Long-Term Credit Bank Act) apply to a transaction or action performed by a bank, etc. on or after the effective date, and prior laws continue to govern the transaction or action performed by a bank, etc. before the effective date.