Article 10Scope of Services

一guaranteeing obligations or accepting bills;

二conducting purchases and sales of securities (excluding securities that fall under monetary claims indicated in the form of certificates prescribed in item (v), and short-term bonds, etc.; the same applies in item (v)-2 and item (vi)) (excluding purchase and sale that falls under a transaction of securities-related derivatives) and transactions of securities-related derivatives (limited to those made for the purpose of investment or those that constitute brokerage with written orders);

三lending securities;

四underwriting national government bonds, local government bonds, and government-guaranteed bonds (hereinafter collectively referred to as "national government bonds, etc." in this Article) (excluding underwriting that is done for the purpose of secondary distribution), and handling of public offerings of national government bonds, etc. linked to that underwriting;

五acquiring and transferring monetary claims (including negotiable certificates of deposits and other monetary claims indicated in the form of certificates specified by Cabinet Office Order);

五の二underwriting specified bonds issued by special purpose companies (excluding specified short-term bonds, and limited to those for acquiring only a monetary claim (excluding claims for negotiable instruments payable to order prescribed in Part III, Chapter I, Section 7, Subsection 1 (Negotiable Instruments Payable to Order) of the Civil Code (Act No. 89 of 1896), registered negotiable instruments payable to holder prescribed in Subsection 2 (Registered Negotiable Instruments Payable to Holder) of that Section, other registered negotiable instruments prescribed in Subsection 3 (Other Registered Negotiable Instruments) of that Section, negotiable instruments payable to bearer prescribed in Subsection 4 (Negotiable Instruments Payable to Bearer) of that Section, and electronically recorded monetary claims as defined in Article 2, paragraph (1) (Definitions) of the Electronically Recorded Monetary Claims Act (Act No. 102 of 2007); hereinafter the same applies in this item) or a beneficiary interest in a trust into which a monetary claim is placed with the money earned through the issuance of the specified bonds under the asset securitization plan; hereinafter the same applies in this item) and any other securities specified by Cabinet Office Order as equivalent to specified bonds (hereinafter referred to as "specified bonds, etc." in this item) (excluding underwriting that is done for the purpose of secondary distribution), and handling of public offerings of specified bonds, etc. linked to that underwriting;

五の三acquiring and transferring short-term bonds, etc.;

六handling of private placements of securities;

七accepting entrustment of public offerings of local government bonds, corporate bonds, or other bond certificates, or entrusting their management;

八acting as agent or intermediary (limited to those specified by Cabinet Office Order) in connection with the services of a bank or other persons engaged in financial services (excluding persons engaged in banking in a foreign country in accordance with foreign laws and regulations (excluding a bank, etc. provided for in Article 4, paragraph (5); hereinafter referred to as a "foreign bank")) (excluding services falling under the services set forth in the following item);

八の二acting as agent or intermediary in connection with the services of a foreign bank (limited to agency, intermediation, and any other services specified by Cabinet Office Order when the bank acts as agent or intermediary in connection with the services of a foreign bank which is a subsidiary company of that bank);

九receipt of money and handling other financial affairs for the State, local public entities, companies, etc.;

十safe custody of securities, precious metals, and other goods;

十の二book-entry transfer business;

十一currency exchange;

十二derivatives transactions (other than those that fall under the transaction of securities-related derivatives; the same applies in the following item) that are specified by Cabinet Office Order (other than those that fall under the service set forth in item (v));

十三acting as the intermediary, broker, or agent in derivatives transactions (limited to those specified by Cabinet Office Order);

十四transactions in which the parties promise to pay and receive an amount of money calculated based on the difference between a numerical value that the parties have agreed upon in advance as the numerical value for a money interest, value of currencies, commodity price, price of international cooperative emission reductions (meaning international cooperative emission reductions as defined in Article 2, paragraph (8) (Definitions) of the Act on Promotion of Global Warming Countermeasures (Act No. 117 of 1998) or anything equivalent to them; the same applies in item (iv) of the following Article), or any other index, and the actual numerical value of that index at a fixed point of time in the future, or any equivalent transaction specified by Cabinet Office Order (referred to as a "financial derivatives transaction" in the following item) which is specified by Cabinet Office Order as a transaction that is found to be unlikely to damage the soundness of bank management (excluding transactions that fall under the service set forth in item (v) or item (xii));

十五acting as the intermediary, broker, or agent for financial derivatives transactions (excluding the services that fall under the services set forth in item (xiii), and excluding those specified by Cabinet Office Order);

十六securities-related over-the-counter derivatives transactions (limited to those that are settled by payment and receipt of the difference, if the securities involved in the securities-related over-the-counter derivatives transactions fall under the monetary claims that are indicated in the form of certificates prescribed in item (v) and are not short-term bonds, etc.; the same applies in the following item) (excluding transactions that fall under the service set forth in item (ii)); and

十七acting as the intermediary, broker, or agent for securities-related over-the-counter derivatives transactions.

十八based on the contract to have a person use machinery and other objects and that satisfy all of the following requirements, the service of having the person use the object:

イthe contract is one in which the parties may not cancel before the end of the period the parties use the object that is subject to the contract (hereinafter referred to as a "leased object" in this item) (hereinafter the period is referred to as the "period of use" in this item), or one that is specified by Cabinet Office Order as being equivalent to that contract;

ロthe contract specifies that the lessor is to receive the sum of the acquisition costs of the leased object deducting the amount corresponding to the transfer price that is expected if the leased object are to be transferred at the end of the leased object's period of use, and the amounts corresponding to the fixed asset tax, insurance premiums, and the costs specified by Cabinet Office Order as incidental costs that are required in order to have a person use the leased object, as consideration during the period of use.

ハthe contract does not provide for ownership of the leased object or a right to use or to earn profit from the leased object to transfer to the other party, at the end of the period of use.

十九acting as agent or intermediary for the services set forth in the preceding item.

二十the service of providing customer information acquired from the customer to a third party with the customer's consent or any other service in which the bank provides information it holds to a third party that contributes to sophistication in the banking that the bank conducts or to enhanced convenience for bank users.

二十一the services performed by mainly using management resources held by the bank which are related to the banking performed by the bank, such as personnel, information and communications technology, and equipment, which are specified by Cabinet Office Order as services that contribute to regional development, improvement of industrial productivity, and other services for building a sustainable society.

一short-term bonds prescribed in Article 66, item (i) (Vesting of Rights) of the Act on Book-Entry Transfer of Corporate Bonds and Shares;

二Deleted

三short-term investment corporation bonds prescribed in Article 139-12, paragraph (1) (Special Provisions on Short-Term Investment Corporation Bonds) of the Act on Investment Trust and Investment Corporations (Act No. 198 of 1951);

四short-term bonds prescribed in Article 54-4, paragraph (1) (Issuance of Short-Term Bonds) of the Shinkin Bank Act (Act No. 238 of 1951);

五short-term bonds prescribed in Article 61-10, paragraph (1) (Special Provisions on Short-Term Bonds) of the Insurance Business Act (Act No. 105 of 1995);

六specified short-term bonds as defined in Article 2, paragraph (8) (Definitions) of the Act on Securitization of Assets (Act No. 105 of 1998);

七short-term Norinchukin Bank bonds prescribed in Article 62-2, paragraph (1) (Issuance of Short-Term Agricultural and Forestry Bonds) of the Norinchukin Bank Act (Act No. 93 of 2001); and

八rights that are required to be indicated on bond certificates issued by a foreign corporation, which are to vest based on the entry or record in the transfer account register pursuant to the provisions of the Act on Book-Entry of Corporate Bonds and Shares, (excluding those with the nature of corporate bond certificates with share options), and which satisfy all of the following requirements:

イthe amount of each right is not to be less than 100 million yen;

ロa fixed due date for redemption of the principal is specified which is within one year from the day on which the total amount of the rights is paid, and there are no provisions for installment payment; and

ハthere are provisions indicating that the due date for the payment of interest is the same date as the due date for the redemption of the principal referred to in sub-item (b).