The website https://www.smtb.jp (hereinafter referred to as the "website") is operated by Sumitomo Mitsui Trust Bank, Limited (hereinafter referred to as the "Company"). Please read and agree to the following terms and conditions before using this website.

1.Purpose of this website

The information on this website is presented for the purpose of providing information about the Company and is not intended as a solicitation for investment. Investment decisions should be made at the user's own discretion.

2.Regarding forward-looking statements

The information presented in this website may contain forward-looking statements. These statements involve certain risks, uncertainties, and other factors that may cause actual results to differ materially from those discussed in the forward-looking statements due to various factors including changes in economic conditions, market trends, and the business environment.

3.Regarding insider trading regulations

This website provides a wide range of information, including news releases to the media, for the purpose of disclosing information to shareholders, investors, and individual and corporate clients.

This disclosed information may include information that falls under the category of material facts as defined in Article 166 of the Financial Instruments and Exchange Act. If an individual who has read a news release, etc. that contains a material fact engages in certain transactions as defined by the Financial Instruments and Exchange Act before 12 hours have passed since the material fact was disclosed in accordance with the provisions of the Financial Instruments and Exchange Act Enforcement Order, he or she may be in violation of the insider trading regulations of the Financial Instruments and Exchange Act.

4.Regarding copyright

The information posted on this website is protected by the copyright laws of the respective countries, various treaties, and other laws.

You are prohibited to use (copying, modifying, uploading, posting, transmitting, distributing, licensing, selling, publishing, etc.) any information on this website beyond the legally permitted scope (personal use, etc.) without permission from the Company.

However, if individual owners or copyright holders of information and copyrighted materials on this website indicate that permission is required or that copying is forbidden then that must be respected.

5.Disclaimer

The Company shall not be held responsible for any losses that clients suffer as a result of basing their decisions and actions on this website's information.

The Company reserves the right to suspend operation of, or change the contents of, the website at any time without prior notification.

You may not link to this website without permission from the Company.

In addition, you may access another website through a link from this website, but the linked website is not operated by the Company. Accordingly, the Company assumes no responsibility for the content of such websites.

6.Management of information received

Personal information provided by clients through this website will be managed in accordance with the "Declaration for the Protection of Personal Information" and "Handling of Personal Information" established by the Company.

Please click here for the "Declaration for the Protection of Personal Information" and here for the "Handling of Personal Information".

7.Regarding security

In order to prevent issues such as unauthorized access, loss, destruction, falsification, and leakage of client information, we continuously implement measures to improve the security of this website.

However, the Company shall not be held responsible for damages resulting from circumstances beyond its control such as malfunctioning systems equipment and telecommunication lines, or for any damage that clients suffer when using this website due to tapped communication channels such as public lines which fall outside the realm of the Company's safety measures.

For more information about the security of Sumitomo Mitsui Trust Direct Internet Banking, please click here.

8.Regarding cookies

The Company's website and some of its services, such as Sumitomo Mitsui Trust Direct [Internet Banking], Sumitomo Mitsui Trust Life Guide internal portal, and certain client-specific websites, use cookies and supplementary functions provided by other companies to obtain information on clients' visits to the Company's website, information on their behavior and browsing history on the Company's website, and advertising identifiers ("Cookie Information"). A cookie is a type of technology that stores the usage status of a website (URL, terminal information, etc.) in a terminal such as a client's computer through a web browser when the client accesses the website, so that the past usage status can be identified the next time the client accesses the same website.

The Company uses cookie information to ensure security, provide appropriate information to clients, collect data, analyze access to the Company's website using the behavioral analysis tools below, and measure the effectiveness of advertisement delivery. The Company does not use cookie information for any other purpose. In addition, the cookie information collected by the Company does not contain any personally identifiable information.

If you do not wish to have cookies used for these purposes, please go to the following page and opt-out of the use of the respective cookies.

You can also set your browser to restrict the acceptance of cookies. However, please note that depending on how the settings are configured, some services such as Sumitomo Mitsui Trust Direct [Internet Banking], Sumitomo Mitsui Trust Life Guide internal portal, and certain client-specific websites may not be usable. If you would like to restrict cookie acceptance, please visit your browser's support page and configure your settings accordingly.

9.Regarding the usage environment

This website may not be displayed correctly when using older browsers such as Internet Explorer 10. Using the latest version of your browser is recommended. When using Sumitomo Mitsui Trust Direct [Internet Banking], Sumitomo Mitsui Trust Wrap Account Electronic Disclosure Service, Internet Service for Corporate Clients, Sumitomo Mitsui Trust Life Guide internal portal, etc., please check the usage environment for each service.

In addition, this website uses PDF files, which are optimized for Adobe® Reader®. To view these files, please download Adobe® Reader® (free of charge) distributed by Adobe Systems Incorporated from the following page.

10.Governing Law and Court of Jurisdiction

Unless specified otherwise, the Tokyo District Court shall be the court of exclusive first jurisdiction regarding the laws related to the use of this website and the interpretation and application of the terms of use.

*The above notes apply to Sumitomo Mitsui Trust Life Guide internal portal (including https://life.smtb.jp/Lifeguide, client-specific websites).

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