SMBC CASH CARD - Terms and Conditions A

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本書は、振込入金専用カード　ご利用手順書（ご利用者用）を英語にて説明したものです。
This is an English translation, for reference purpose only, of the original Procedure for Using “振込入金専用カード” ("Cash Card") (for users) in Japanese.Sumitomo Mitsui Banking Corporation ("SMBC")
September 2016Thank you very much for considering SMBC’s “Cash Card”.
This pamphlet provides information on steps that you will need to take in using the "Cash Card" as well as points to bear in mind.
These instructions include steps required by law/regulation, so we ask that you please comply with the procedures detailed herein.

1. Cash Card issue process
   1. Submission of application documents
      SMBC need to verify the following two facts about the User when issuing Cash Card:
      • The User is a resident as stipulated in Article 6 of the Foreign Exchange and Foreign Trade Act (If the User is a foreign national, the User must have been in Japan for at least six consecutive months)
      • The User is in compliance with the Act on Prevention of Transfer of Criminal Proceeds (to be verified whenever transactions are conducted)

      For verification on the above, Users are required to submit personal identification documents in addition to the card application documents (please submit the application documents together with your personal identification documents to the transfer payment recipient company). In this document, "transfer payment recipient company" means Metrobank Tokyo/Osaka.

      Please be aware that SMBC will screen applications as prescribed before cards are issued, and that the screening may result in some applications not being accepted.

      Required documents

      1. Application documents (to be provided to Users by Metrobank Tokyo/Osaka )
         1. Application for Cash Card
            *Before completing this application form, please ensure that you consent to the
            “<カード振込入金サービス>利用ルール” (“Rules of Use”) provided together with the application form
         2. Information provision of Purpose of Transaction and Occupation
      2. Personal identification documents
         Please see “List of Personal Identification Documents”. Residence Card for foreign nationals.
   2. Sending of Thank-you note
      SMBC will send a Thank-you note to the address indicated in the personal identification documents submitted by the User for transaction verification. Thank-you note will be sent by non-forwardable registered mail. Cash Card cannot be issued unless you receive this note, so please be certain that you receive it. (SMBC will usually resend the note if you do not receive it due to an extended absence but, if the note is undeliverable twice, the application procedures shall be invalidated.)
   3. Card provision process
      SMBC will issue Cash Card after the above (1) & (2) process has been completed. Cash Card will be delivered first to Metrobank Tokyo / Osaka, so you receive Cash Card from Metrobank.
      Delivery of Cash Card may take about one month from the application date.
   4. Other
      To terminate the use of Cash Card, the User is required to choose “Cancellation” for the application category on the Application for Cash Card, fill in other necessary items, and submit the form together with Cash Card to Metrobank.

1. Operation at ATMs
   1. Press “お預け入れ” ( “Deposit”) * on ATM screen.
      *Do not press ”お振り込み” ( “Wire transfer”) or “お振り替え” (“Transfer").
   2. Insert “振込入金専用カード” (“Cash Card”) and place your money.
   3. The amount will be displayed on the screen; if the amount indicated is correct, press “確認” (“Confirm”).

   The above steps completes deposit process. The above is a simplified description of the process, as a variety of guidance screens may be displayed during ATM operation. Please follow ATM screen instructions to complete the process.

2. Points to bear in mind when using Cash Card
   1. Please ensure that only the person who applied for Cash Card uses it. Cards should not be transferred or lent for any reason whatsoever.
   2. SMBC ATMs as well as E-net/Lawson/Seven Bank ATMs are the only ATMs which accept Cash Card.
      Please note that certain restrictions apply to the number of notes and the maximum amount.

      Available ATMs	Number of notes handled	Maximum amount per transaction
      ATMs at SMBC's manned or unmanned branches	200 notes per transaction	JPY 300,000.-
      ATMs of E-net, Lawson, or Seven Bank	50 notes per transaction	JPY 300,000.-

      
      

   3. The amount of deposit will not be displayed on the receipt printed out by the ATMs, so you need to check the amount of deposit on the screen.
   4. Monies placed in the ATMs cannot be divided into multiple deposit.
   5. Once deposit is processed and complete, such deposit is not cancellable.
   6. Reissue of Cash Card that has been lost, etc., will require completion of the same procedures needed for the new issue.

<Appendix> List of Personal Identification Documents
Please note that the documents to be submitted vary by User classification.

Classification	Documents to be submitted
Individual (Japanese national)	A copy of any one of the documents in <A> or copies of any two of the documents in <B> must be submitted (these must be valid documents indicating name, address and date of birth). <A> Driver’s license (*1) Passport (*2) My Number Card Other documents issued/supplied by a government ministry/agency (with face photo) If you have filed a change of address notice, please enclose a copy of the back side of the driver’s license as well. Copies are needed of the page containing the face photo, name and date of birth as well as the page indicating the User’s current address, etc. <B> National Health Insurance Card Health insurance certificate Seamen’s insurance card Medical insurance card for people aged 75 and over Long-term care insurance certificate National Pension Handbook National Public Service Personnel Mutual Aid Associations/Local Government Officials’ Mutual Aid Associations union card Child Rearing Allowance Certificate/Special Child Rearing Allowance Certificate Maternal and Child Health Handbook Seal registration certificate (*3) Copy/extract of family register (with copy of attachment to family register attached)(*3) Copy of certificate of residence (*3) Certificate of entries in certificate of residence (*3) Other documents issued/supplied by a government ministry/agency (*3) (*3) Please submit the originals of these documents, and not copies.
Individual (Foreign national)	A copy of either of the following documents Residence Card (*1) Passport (*2) and payment receipt of public utility charges (other than for mobile phone service) stamped with a receipt date within the past six months (*1) Only in case where it cannot be assumed by the Residence Card that six months have passed since the date of entry into Japan, copies of the passport page containing the face photo, name, and date of birth, as well as the page indicating the date of entry into Japan are also necessary. (*2) Copies are needed of the page containing the face photo, name and date of birth as well as the page indicating the date of entry into Japan

SMBC CASH CARD - Terms and Condition B

SMBC CASH CARD - Terms and Condition B

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本書は、<カード振込入金サービス>利用ルールをメトロバンク顧客用に説明したものです。
This is an English translation, only for Metrobank customers' reference purpose, of the original “<カード振込入金サービス>利用ルール” (the “Rules”) in Japanese.In connection with subscription contract of our “カード振込入金サービス” (the “Service”) with the Subscriber, third parties that are not employees of the Subscriber (“Third Party Users”) must conform to the “<カード振込入金サービス>利用ルール” (the “Rules”) as stipulated below, at applying for “振込入金専用カード” (“Cash Card”).In the Rules, the Subscriber means Metrobank and Third Party Users means customers of Metrobank.

1. “振込入金専用カード” (“Cash Card”)
   1. A request for issuance of Cash Card by Third Party Users will be processed through the Bank’s (Sumitomo Mitsui Banking Corporation as "SMBC") internal screening. The request may be rejected, depending on the screening results.
   2. The fees associated with issuance of Cash Card shall be deducted from an account specified by the Subscriber
   3. SMBC may issue Cash Card to Third Party Users directly or indirectly through the Subscriber. Issuance of Cash Card represents an execution of contract for use of Cash Card between SMBC and Third Party Users.
   4. Ownership of Cash Card belongs to SMBC.
   5. The Subscriber and Third Party Users are prohibited from lending, transferring or disposing, etc. issued Cash Card to others.
2. ATMs
   1. Types of available ATMs, the number of notes and the maximum amount per transaction
      As the selection below, the Subscriber specifies the ATMs that it intends to use for the Service, and transactions can be processed only through such ATMs.

      Available ATMs for the Service	Number of notes accepted	Maximum amount per transaction
      ATMs at SMBC's manned or unmanned branches	200 per transaction	JPY 300,000.-
      ATMs of E-net, Lawson, and Seven Bank at cooperating branches	50 per ATM (per day)	JPY 300,000.-

       

   2. In case where the Service becomes unavailable due to problems, such as connection failure of ATMs at a partner convenience store, or other condition at each ATM location, the intended transaction shall be processed on the following day.
   3. Monies placed in the ATM cannot be divided into multiple deposits.
   4. Once deposit is processed and complete, such deposit is not cancellable.
   5. Please make sure you receive an “ATM Service Receipt”, a receipt that is issued to show the details of the deposit. (Note that ATMs used by Third Party Users will not show the amount of deposit in its receipt.)
   6. SMBC may change the scope of ATMs available for the Service, if it is considered necessary, in view of the usage of the Service, changes in economic conditions and other circumstances.

1. Disclaimer
   In the case where ATMs are unusable due to unavoidable reasons, such as connection failure of the ATMs and other reasons not attributable to SMBC, SMBC shall assume no responsibility.
2. Revisions of the Rules
   Based on the usage of the Service, changes in economic conditions and other circumstances, if it is considered duly necessary to revise the Rules, SMBC may do so by notifying the Subscriber and Third Party Users (including in-store notification, web notification and other equivalent notification methods). The effective date of the intended revision shall be set out in the notification, with an adequate transition period of more than one month, etc.
3. Exclusion of Anti-Social Forces
   1. Third Party Users shall represent and warrant that each is not and shall not be in the future, a member of an organized crime group, an ex-member of an organized crime group and five years have not passed since the date of such cessation, a quasi-member of an organized crime group, a related company or association of an organized crime group, a corporate racketeer, a group engaging in criminal activities under the pretext of conducting social campaigns, or a crime group specialized in intellectual crimes (collectively, “Anti-Social Forces”). Further, the Third Party Users shall represent and warrant that they have not fallen and shall not in the future fall under any of the following:
      1. a person having such relationship with Anti-Social Forces that shows Anti-Social Forces' control over the person's management;
      2. a person having such relationship with Anti-Social Forces that shows Anti-Social Forces’ substantial involvement in the person’s management;
      3. a person having such relationship with Anti-Social Forces that shows reliance on Anti-Social Forces to benefit itself or third parties or to damage third parties;
      4. a person having such relationship with Anti-Social Forces that shows the person’s active cooperation and involvement with the maintenance or operation of any Anti-Social Forces by providing funds and other benefits; or
      5. any of the board members or others substantially involved in the management is engaged in socially condemnable relationship with Anti-Social Forces.
   2. Third Party Users shall represent and warrant that they shall not conduct, on their own or through the use of third parties, any of the following:
      1. a demand with violence;
      2. an unreasonable demand beyond their legal responsibility;
      3. use of intimidating words or actions in relation to business transactions;
      4. an action to damage the reputation of or interfere with the business of any party by spreading false rumors, using fraudulent means or resorting to force; or
      5. any other actions equivalent to the above.
4. Suspension of card use
   1. If it is discovered that Third Party Users are Anti-Social Forces or fall under any of the categories provided in Paragraph 5. (1), have conducted any of the actions described under Paragraph 5. (2); or have made a false statement regarding the representation and warranty provision in Paragraph 5. (1) and (2), SMBC may unilaterally terminate the use of Cash Card by such Third Party Users without any notice, and Third Party Users shall not contest such termination.
   2. SMBC may suspend the use of Cash Card in whole or in part, if considered necessary or if the Third Party Users fall under the following conditions.
      1. It is suspected that the Service is being used by a person under the guise of the Subscriber or Third Party Users.
      2. It is suspected that the submitted application for Cash Card included false information.
   3. Third Party Users shall not seek indemnification for any losses arising from termination of the use of Cash Card caused by Paragraphs 6. (1) and (2) and SMBC shall assume no responsibility for losses incurred to the Third Party Users.
   4. When the Subscriber intends to terminate the contract for the Service (the “Service Contract”), Third Party Users shall be notified by the Subscriber prior to termination. Additionally, their Cash Card shall be disabled in sync with the contract termination. Further, SMBC assumes no responsibility for losses incurred to the Subscriber or Third Party Users due to the contract termination.
   5. Third Party Users, immediately upon request of SMBC, shall return Cash Card directly to SMBC or indirectly through the Subscriber in case of Paragraph 6. (1), (2) and (4).

END

TERMS AND CONDITIONS FOR OVERSEAS
(FOREIGN) REMITTANCE

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Article 1 Scope of Application

Branches (Shiten and Syucchosyo) of Metropolitan Bank & Trust Company in Japan (hereinafter referred to as "Metrobank-Japan") will process overseas remittance transactions subject to Terms and Conditions for Overseas (Foreign) Remittance (hereinafter referred to as the "Terms and Conditions for Overseas Remittance").

Article 2   Definition of Terms

1. Overseas Remittance Transactions - shall mean either of the transactions set forth below:
   • A certain amount of funds credited to a deposit account of the beneficiary maintained with Metrobank Head Office or branches in the Philippines (hereinafter "Metrobank"), paid to the beneficiary by cash at the counter of Metrobank, or paid to the beneficiary by cash at Payout Outlets, as designated by the remitter; or
   • Payment Instruction (as defined below) to Receiving Bank (as defined below and inclusive of Metrobank) instructing them to pay a certain amount of funds to the deposit account of the beneficiary maintained with financial institutions in foreign state including the Philippines, as designated by the remitter.

2. Payment Instruction - an instruction for Receiving Bank (inclusive of Metrobank) to make payment of a certain amount of funds available to the beneficiary.
3. Paying Bank - a financial institution (Payout Outlets inclusive) that credits the remitted funds to the beneficiary's account or pays the same to the beneficiary.
4. Receiving Bank - either Metrobank in the Philippines, or other financial institution who handles ;
   • intermediation of Payment Instruction, or
   • settlement of the remitted funds among financial institutions

Article 3   Pre-Registration of Overseas (Foreign) Remittance

1. When requesting overseas remittance transactions, the remitter, whether individual or juridical person, shall:
   • submit to Metrobank-Japan the prescribed form ("Overseas Remittance Application Registration and Declaration", hereinafter the “Application Form”), declaring the necessary information regarding the remitter and the individual or juridical person designated as the beneficiary ,
   • submit a valid identification document and other documents prescribed by Metrobank-Japan, and
   • complete the registration procedure for an overseas (foreign) remittance as required by Metrobank-Japan.

Upon completion of prescribed registration procedure, the remitter shall be registered.

2. When any change occurs regarding the contents of the Application Form, the remitter, in order to change the registered information, shall promptly submit to Metrobank-Japan the documents prescribed by Metrobank-Japan and any applicable official document evidencing such changes.
3. Metrobank-Japan shall not accept any request for overseas remittance transactions if the registration or procedures for change of registered information, as prescribed in the preceding two Paragraphs, has not been completed.

Article 4   Requests for Overseas (Foreign) Remittance

1. Metrobank-Japan shall handle a request for overseas (foreign) remittance in accordance with the following:
   • Request for overseas (foreign) remittance shall be accepted at the counter of Metrobank-Japan only during its banking hours. The remitter shall properly fill out application for overseas (foreign) remittance and affix the signature or seal identical to the signature or seal used for Application Form.
   • Metrobank-Japan shall accept request for overseas (foreign) remittance through telephone only during its banking hours. The remitter shall be required to provide the PIN, name, beneficiary's name, remittance amount and purpose, etc.
   • Specified transfer card for Quick Padala or EPRC shall be properly used and specified account number shall be properly used for METS. Overseas (foreign) remittance shall be processed in accordance with terms & conditions separately established for respective services.

2. When its accepting request for overseas (foreign) remittance, Metrobank-Japan shall ensure compliance with Act for Prevention of Transfer of Criminal Proceeds and Foreign Exchange and Foreign Trade Act and, therefore, the remitter is, obliged to comply with the following requirements:
   • In addition to information of the remitter and the beneficiary, declare the purpose of remittance and occupation (for individual), purpose of remittance, nature of business and ultimate beneficial owner (for juridical person) respectively.
   • Submit identification documents for declaration of the remitter's information. Submit Residence Card as identification document in case of foreign nationals.
   • For any transactions requiring permission from the relevant governmental authority, submit copy of the permit to the Metrobank-Japan.
   • As a principle, overseas (foreign) remittances exceeding 300,000 yen involve specific additional requirements and the remitter shall comply with prescribed procedures of Metrobank-Japan. There may be a case where supporting documents are requested to be submitted for verifying the source of the remitted funds and the purpose of remittance as for remittances exceeding 1,000,000 yen.
   • In addition to the preceding Paragraphs, comply with any other requirements as prescribed by Metrobank-Japan.

3. The remitter shall pay the amount of the remitted funds, charges (including other banks’ fees) and other expenses that may be incurred (hereinafter "funds for remittance"). Metrobank-Japan shall not accept any securities such as checks as payment method of the funds for remittance.

Article 5   Overseas (Foreign) Remittance Entrustment Contract and its Cancelation

1. Overseas (Foreign) Remittance Entrustment Contract (hereinafter the "Contract ") shall be deemed to have been in force when Metrobank-Japan have accepted request for overseas (foreign) remittance and received the funds for remittances.
2. In compliance with the above mentioned Contract, Metrobank-Japan shall provide the remitter with a "Statement of the Overseas Remittance" (the "Statement") after having implemented requested overseas (foreign) remittance.
3. Even after the Contract was in force, Metrobank-Japan is allowed to cancel the Contract should any of the following conditions occur prior to its implementing requested overseas (foreign) remittance and shall not be responsible for any losses or damages caused by such cancelation :
   • Overseas (foreign) remittance is in violation of Law and Regulations of Japan or concerned country concerning foreign exchange such as being subject to an emergency suspension of transactions, etc.;
   • War, insurrection or freezing of assets or suspension of payments of Paying Bank (Payout Outlets inclusive) or Receiving Bank occurs or threatens to occur;
   • Other reasonable grounds such as the possibility of overseas (foreign) remittance being linked with crime or illegal activities;
   • The remitter fails to inform Metrobank-Japan of the required details of remittance even though the amount to be remitted exceeds 300,000 yen; or
   • In addition to the cases described above, other reasonable grounds that Metrobank-Japan may consider to warrant cancelation of the Contract.

4. When any of the following conditions occurs and implementing requested overseas (foreign) remittance is considered to be inappropriate, Metrobank-Japan shall refuse the request for remittance or, upon giving notice to the remitter, cancel the Contract. The Contract is deemed to have been canceled when the notice of cancelation was sent to the registered name and address of the remitter regardless of whether such notice was actually received by the remitter.
   • When it was known that the remitter is a member or a previous member or has any relation to any of the following:

1. Organized crime group (Boryokudan);
2. Member of any organized crime group;
3. Quasi-member of any organized crime group;
4. Company related to any organized crime group;
5. Corporate extortionist (Soukaiya), disreputable organization posing as a social movement (Syakai undo hyobou goro) or a group engaging in fraudulent, unfair or deceptive practices (Tokusyu chino boryoku syudan to); or
6. Any other person related to these parties or any equivalent to any of these parties.
   1. When the remitter committed or used any third party to commit any of the following acts:
      1. Violent demand;
      2. Undue demand beyond the legal responsibilities of the person to whom the demand was given;
      3. Threatening behavior or use of violent force regarding transactions;
      4. Damaging Metrobank-Japan's credit standing or obstructing its business by spreading false rumors or by use of fraudulent means or force; or
      5. Any other act equivalent to any of the preceding items.

5. In case of Cancelation pursuant to the preceding two Paragraphs, Metrobank-Japan shall return to the remitter the funds for The remitter shall acknowledge receipt of funds on Metrobank-Japan’s prescribed documents. There may be a case identification document of the remitter is requested or guarantor if necessary and appropriate.
6. Upon receipt of funds by the remitter and with the proper verification that the signature or seal on the receipt is identical to the signature or seal used for Application Form; Metrobank-Japan shall not be responsible for any losses or damages caused thereby.
7. When Metrobank-Japan cancel the Contract pursuant to Paragraph 3 or 4 above, Metrobank-Japan shall not be responsible for any losses, damages or costs and expenses incurred by the remitter or any other party resulting from cancelation.

Article 6   Processing of Overseas (Foreign) Remittance

1. When the Contract is in force, unless canceled pursuant to Article 5, Paragraph 3 or 4, Metrobank-Japan shall process a remittance without delay in accordance with the request for overseas (foreign) remittance defined in Article 4 (1).
2. The transmission method for sending a Payment Instruction shall be determined at the sole discretion of Metrobank- Japan. Likewise, Metrobank-Japan shall also determine who shall be Receiving Bank, unless specifically designated by the remitter.
3. In the following circumstances, Metrobank-Japan may select Receiving Bank as it deems appropriate in lieu of those designated by the remitter, and shall promptly inform the remitter of such selection(s):
   • Metrobank-Japan deems it impractical to follow the designation by the remitter; or
   • Excessive costs for the remitter or delays in remittance if transmitted through the designated bank of the remitter and Metrobank-Japan deems that there is other appropriate Receiving Bank.

4. Metrobank-Japan shall not be responsible for any losses or damages caused by its selection pursuant to the preceding two P

Article 7   Undelivered Overseas (Foreign) Remittances

1. When the remitted funds could not be credited to the beneficiary's account due to discrepancy in instructions received by Metrobank-Japan or non-claim of remitted funds from the beneficiary or due to any other reason, Metrobank-Japan shall credit back the funds for remittance to the remitter’s account with Metrobank-Japan.
2. In case the remitter does not have an deposit account with Metrobank-Japan, Metrobank-Japan refunds the funds for remittance after having received prescribed document from the remitter.
3. In the events described in the preceding two Paragraphs, Metrobank-Japan shall not be responsible for any losses, damages or costs and expenses incurred by the remitter.

Article 8   Charges and Expenses

1. At requesting for overseas (foreign) remittance, the remitter shall pay the prescribed charges, including other banks’ fees and other expenses that maybe incurred. Additional fees and charges, if any, may be required to be paid by the remitter at a later date.
2. When Metrobank-Japan receives a request for an inquiry, amendment or cancellation by the remitter, the remitter shall pay certain charges and expenses, as prescribed by Metrobank-Japan and the Receiving Bank, as set out below:
   • inquiry charges;
   • amendment charges;
   • charges for cancellation initiated by the remitter,
   • communication charges and postage; and
   • any other charges and expenses related to the inquiry, amendment or cancellation initiated by the remitter.

Article 9   Exchange Rates

1. The foreign exchange rate applied for overseas (foreign) remittance is the one officially quoted by Metrobank-Japan at implementing requested overseas (foreign) remittance in case the funds for remittance received is in a currency other than the currency to be remitted.
2. When refunding to the remitter the funds for remittance as provided for in Article 5, Paragraph 5; Article 11, Paragraph 3; Article 13, Paragraph 1, Item (3), the foreign exchange rate applied is the one officially quoted by Metrobank-Japan on the date of refund in case the funds for remittance received by Metrobank-Japan is in a currency other than the remitted currency. Any fees and charges as prescribed by Paying Bank, Receiving Bank and/or Metrobank-Japan shall be borne by the r

Article 10 Currency of Payment to the Beneficiary

In case the currency designated by the remitter for overseas (foreign) remittance falls under the following cases, the currency for payment to the beneficiary may be different from the designated one. The currency for payment, foreign exchange, charges, and other relevant items shall be subject to laws, regulations, customs and practices of the relevant countries, as well as certain procedures prescribed by Paying Bank (Payout Outlets inclusive) or Receiving Bank :

1. the currency which differs from the currency of the country where Paying Bank (Payout Outlets inclusive) is located; or
2. the currency which differs from the currency of the account of the beneficiary.

Article 11   Inquiries concerning Transaction Details

1. When the remitter has any concerns about the remittance transaction such as non-payment to the beneficiary, the remitter shall promptly make an inquiry with the processing branch of Metrobank-Japan. Metrobank-Japan shall then conduct an investigation promptly and report the results to the remitter. There may be a case an application for inquiry is requested to be submitted by the remitter.
2. In case of inquiries by Paying Bank (Payout Outlets inclusive) or Receiving Bank with respect to Payment Instruction, Metrobank-Japan may inquire from the remitter the details of the requested overseas remittance transactions. If the response is not received within a reasonable period of time or inappropriate response was received, Metrobank-Japan shall not be responsible for any losses or damages caused thereby.
3. In the event that it becomes apparent that Payment Instruction could not be implemented due to reasons such as a refusal to execute by Paying Bank (Payout Outlets inclusive) or Receiving Bank, Metrobank-Japan shall promptly inform the remitter. If Metrobank-Japan receives any refund from Paying Bank or Receiving Bank, it shall immediately reimburse such amount to the remitter. The remitter in turn shall take necessary procedures for cancelation set out in Article 13.

Article 12   Amendments to Requests

1. In case of the remitter's requesting for amendments to the original remittance after the Contact is in force , such amendment shall be processed in accordance with the following procedures:
   • When requesting an amendment, the remitter shall submit an application for amendment (the "Application for Amendment") affixed with the signature or seal identical to the signature or seal used for Application Form, the remitter may be required to provide a valid identification document or other documents as prescribed by Metrobank-Japan, and
   • Upon receipt of request for an amendment, Metrobank-Japan shall carry out necessary procedures without delay, such as issuing amendment instructions in accordance with the details of the Application for Amendment by selecting the transmission method which Metrobank-Japan deems appropriate; however, any amendment to the amount of remittance shall be handled as stated in the cancellation procedures set out in Article 13.

2. In handling the Application for Amendment pursuant to the preceding Paragraph, the provision of Article 5, Paragraph 6 shall apply, mutatis mutandis. Metrobank-Japan shall not be responsible for any losses or damages caused by carrying out the necessary procedures as set out in Item (2) of the preceding Paragraph.
3. Amendments provided for in this Article may not be completed due to reasons such as refusal by Paying Bank (Payout Outlets inclusive) or Receiving Bank, restrictions imposed by Laws and Regulations, and certain actions taken by governments, courts or other public authorities. In such cases, Metrobank-Japan shall not be liable for any loss, damage or delay as a result of its inability to complete the said a

Article 13   Cancellation Initiated by the Remitter

1. In the event the remitter cancels a request for the original remittance after the Contract is in force , such request for cancellation shall be processed in accordance with the following procedures:
   • The remitter shall submit an application for cancellation (the "Application for Cancellation"), as prescribed by Metrobank-Japan, affixed with the signature or seal identical to the signature or seal used for Application Form. The remitter, upon request of Metrobank-Japan, shall (a) submit identification document There may be a case a guarantor is requested by Metrobank-Japan. In case of juridical person, the authorized representative registered may request such cancellation on behalf of the juridical person. In this case, the authorized representative shall submit Application for Cancellation, as prescribed by Metrobank-Japan, affixed with the seal used for Application Form and shall submit identification document of the authorized representative.
   • Upon acceptance of the request for cancellation in accordance with the preceding Item, Metrobank-Japan shall carry out the necessary procedures without delay, such as: issuing cancellation instructions in accordance with the contents of the Application for Cancellation,
   • When Metrobank-Japan received a refund relating to the canceled remittance from Paying Bank or Receiving Bank, in order for Metrobank-Japan to immediately return such amount to the remitter, the remitter shall submit a receipt or other documents (with the signature or seal identical to the signature or seal used for Application Form ); as prescribed by Metrobank-Japan. Furthermore, upon the request of Metrobank-Japan, the remitter shall submit identification document. There may be case guarantor is requested, if necessary and appropriate.
2. With respect to the handling of the Application for Cancellation submitted for the cancellation of the original remittance, and the receipt or other documents required when the refund is returned pursuant to the preceding Paragraph, the provision of Article 5, Paragraph 6 shall apply, mutatis mutandis. Metrobank-Japan shall not be responsible for any losses or damages caused by carrying out the necessary procedures as set out in Item (2) of the preceding P
3. Request for cancellation provided in this Article may not be completed due to reasons such as refusal by Paying Bank (Payout Outlets inclusive) or Receiving Bank, restrictions imposed by Laws and Regulations, and certain actions taken by governments, courts or other public authorities. In such cases, Metrobank-Japan shall not be liable for any loss, damage or delay as a result of its inability to complete the said cancellation; any fees or charges arising from this cancellation shall be borne by the remitter.

Article 14   Contact for Notices and Inquiries

1. In case Metrobank-Japan gives notice or makes an inquiry with regards to the overseas remittance transactions, the address and telephone number stated in the Application Form shall be used.
2. If communication pursuant to the preceding Paragraph cannot be made due to incorrect information of the stated address or telephone number, an interruption of telephone service or other reasons, Metrobank-Japan shall not be responsible for any losses or damages caused thereby.

Article 15   Indemnity

Metrobank-Japan shall not be responsible for any losses or damages arising out of any of the following:

1. Unavoidable events such as calamities, incidents, wars, accidents during transit, restrictions by Laws and Regulations, and certain actions taken by governments, courts or other public authorities;
2. Any failure or malfunction of terminals, communication circuits, computers or other equipment; or any error or omission in the text resulting from such, which occurred despite reasonable security measures taken by Metrobank-Japan;
3. (a) The customs and practices of the country in which Paying Bank (Payout Outlets inclusive) or Receiving Bank is located, (b) Certain procedures prescribed by Paying Bank (Payout Outlets inclusive) or Receiving Bank; or (c) Any other reason attributable to Paying Bank (Payout Outlets inclusive) or Receiving Bank other than Metrobank;
4. Any reason attributable to the remitter, such as an incorrect beneficiary information;
5. Messages from the remitter to the beneficiary;
6. The relationship between the remitter and the beneficiary or a third party, on which the remittance is based; and
7. Any other reason not attributable to Metrobank-Japan.

Article 16   Prohibition of Transfer or Pledge

The remitter shall obtain written approval from Metrobank-Japan prior to transfer or pledge, or allow a third party to use or exercise the remitter's rights in any manner, under any agreement with Metrobank-Japan.

Article 17   Handling of Customer Information

Metrobank-Japan may provide personal information collected from the remitter or information concerning transactions (hereinafter "Customer Information") to the Head Office or branches of Metrobank, or business entrustees provided & limited to operations for preservation of such information or in the performance of its business relating to overseas remittance transaction. It may disclose Customer Information if required by Laws and Regulations, judicial proceedings and other legal proceedings, or requested by government agencies. In addition to this Article, the handling of Customer Information shall be subject to the rules separately prescribed by Metrobank-Japan (Privacy Policy and Handling of Personal Information).

Article 18   Application of Agreement for Yen Savings Account

In case the remitter requested the funds for remittance to be debited from a deposit account, the transaction shall be handled in accordance with the said agreement.

Article 19   Governing Law and Jurisdiction

1. Terms and Conditions for Overseas (Foreign) Remittance, other related agreements there under shall be governed by and construed in accordance with the laws of Japan.
2. Tokyo District Court shall have exclusive jurisdiction over any and all lawsuits brought in connection with the matters arising under or related to Terms and Conditions for Overseas (Foreign)

Article 20   Compliance with Laws and Regulations and Procedures

In case any Laws and Regulations are not in conformity with these Terms and Conditions for Overseas Remittance, the former will prevail. In addition, matters not stipulated in the Terms and Conditions for Overseas Remittance shall be governed by the laws and regulations, customs, and practices in Japan.

Article 21   Amendment to Terms and Conditions for Overseas (Foreign) Remittance

In the event of changes in financial conditions or other circumstances, or any other reasonable grounds, Metrobank-Japan may amend any provision of Terms and Conditions for Overseas (Foreign) Remittance upon giving one month prior notice to the customer by appropriate method of notification, such as, but not limited, to posting of a written notification at its branches or posting on Metrobank-Japan homepage.

Article 22   Requests to Metrobank-Japan

When making a notice or request to Metrobank-Japan concerning overseas remittance, the remitter shall completely and accurately accomplish the form or document as prescribed by Metrobank-Japan and submit such form or document with the registered signature or seal of an authorized person with Metrobank-Japan. If Metrobank-Japan found out that the content of the notice or request received from the remitter is unclear, incomplete or inappropriate, Metrobank-Japan is authorized to decline such notice or request.

Article 23   Official Text

If any discrepancy occurs between the Japanese and the English versions of Terms and Conditions for Overseas (Foreign) Remittance, the Japanese version shall prevail.

31 July 2017 Revised

SPECIFIC TERMS AND CONDITIONS FOR METROBANK QUICK PADALA

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Metrobank Quick Padala (hereinafter "Quick Padala") shall mean the overseas remittance services provided by the branches of Metropolitan Bank & Trust Company in Japan (hereinafter " Bank") upon request of the applicant (hereinafter "Remitter"), facilitated only through an ATM cash deposit to the specified Bank's account with Sumitomo Mitsui Banking Corporation (hereinafter "SMBC") using a specific SMBC Cash Card (hereinafter “Card”) issued by SMBC.

Remitter needs to apply for the Card to SMBC separately from applying for Quick Padala to the Bank.

1. The Card for Quick Padala is accepted only by ATMs at SMBC's manned or unmanned branches as well as ATMs of E-net, Lawson, and Seven Bank at cooperating branches. No over-the counter transaction can be made by using the Card.
2. Application for the Card shall be subject to KYC verification procedures of SMBC such as sending the Card to the Remitter’s registered address by transfer-prohibited registered postal-mail. SMBC shall have the right to reject application for the Card based on their policies and procedures. The Bank shall not be liable for any damages caused by the rejection of the application by SMBC.
3. Application for the Card and its usage shall be governed by the "Rule of Use" (hereinafter "SMBC Rule") set by SMBC. The Bank shall not be liable for any damages caused by improper usage of the Card in violation of SMBC Rule.
4. Quick Padala shall be governed by the Terms and Conditions for Overseas (Foreign) Remittance set by the Bank and this "Specific Terms and Conditions for Metrobank Quick Padala" (hereinafter "Quick Padala T & C"). If any discrepancy occurs between the Terms and Conditions for Overseas (Foreign) Remittance and Quick Padala T & C, the latter shall prevail.
   If any discrepancy occurs between the English and Japanese versions of Quick Padala T & C, the latter shall prevail.
5. Quick Padala is available for registered Individual Remitter sending remittances to a Cash Pick Up Anywhere Service (hereinafter "CPU") Beneficiary only in the Philippines. Quick Padala is not available for sending remittances to beneficiaries with bank accounts.
6. The Remitter is required to provide the correct Beneficiary Name exactly as stated on the ID of the Beneficiary to be presented at the payout outlets when claiming remitted funds.
7. The Remitter shall be required to register a mobile phone number or email address to be used in receiving the reference number from the Bank. The Remitter shall be responsible to provide the Beneficiary the reference number which in turn shall be required from the Beneficiary when claiming remitted funds together with the provision of other information such as remitter’s name, amount of remittance, etc. as may be required by the payout outlets.
8. The Bank shall be not responsible for any delay in the claiming remitted funds due to the failure of the Remitter to correct information or beneficiary’s failure to adhere to the requirements or prescribed procedures of the payout outlets when claiming the remitted funds.
9. The Card shall be assigned to the specific CPU beneficiary designated by the Remitter and it cannot be interchanged with other beneficiaries or be used by any other person; The Card is not transferrable.
10. The purpose of remittances qualified for Quick Padala is limited to living expenses or family support.
11. There is no maximum of number of beneficiaries for Quick Padala; however only the first Card is free of Card usage fee. Succeeding Cards shall be charged a Card usage fee of JPY 1,000 each; this fee will be deducted from the first remittance transaction of each succeeding Card.
12. In case of replacement of the Card, the Remitter shall be required to fill out and submit Maintenance Request Form for Quick Padala and SMBC Card Application Form to the Bank.
    A Card usage fee of ¥1,000 is required for the replacement of a lost or damaged Card which is to be deducted automatically from the first remittance of the replacement card. Replacement of a defective Card shall be free of charge. The Remitter shall be required to surrender the defective or damaged Card to SMBC via the Bank.
13. In case of cancellation/suspension of Quick Padala, the Remitter shall be required to fill out and submit Maintenance Request Form for Quick Padala to the Bank. The Remitter shall be requested to return the Card to SMBC via the Bank with cancellation application to SMBC. The suspension of Quick Padala applies only to Quick Padala and shall not apply to cancellation or suspension of other services provided by the Bank. Paid card usage fee is non-refundable in case of cancellation.
14. After the implementation of requested remittance by the Bank, the Bank will not accept any request to amend the contents thereof. If it becomes necessary for the Remitter to make an amendment, Article 12 of the Terms and Conditions for Overseas (Foreign) Remittance shall apply provided that remitted funds is still available.
15. The minimum amount per remittance is JPY 3,000 and maximum amount per remittance and per day is JPY 300,000. Confirmation of remittance details shall be required, prior to implementation of requested remittance by the Bank, for remittances amounting to more than JPY300,000. Aggregate transactions in one month amounting to 1 Million Japanese Yen and above shall be subject to the Bank’s approval. The Bank may require the submission of evidentiary documents for the source of funds, use of funds in the Philippines, etc. based on the Bank's assessment regardless of the transaction amount.
16. Aggregation of ATM cash deposit to combine into a single remittance transaction is not allowed (i.e. one ATM cash deposit by the Card = one remittance transaction).
17. Service hours of Quick Padala is from 8:00 to 24:00 except for January 1, 2, 3 and May 3, 4, 5. Service hours on Sundays is only up to 19:00. ATM cash deposit made by the Remitter on January 1, 2, 3 / May 3, 4, 5 and after 19:00 on Sundays shall be processed from 8:00 (after the prevailing early morning exchange rate was set by the Bank) on the next banking day.
    Note: Payment to the beneficiary is dependent to conditions such as amount limit, business days/hours of Metrobank Head Office processing unit, Metrobank Branches and/or payout outlets as maybe applicable.
18. The prevailing exchange rate for the day (JPY - PHP) set around 10:30 by the Bank shall be used in processing the remittance. However, for processing on or before 10:00, the prevailing early morning exchange rate is applicable. The prevailing exchange & early morning exchange rate shall be posted at the Bank’s website.
    Note: Exchange rates to be applied to transactions may be changed by the Bank without prior notice, depending on the market fluctuation.
19. The Remitter may choose to receive an E-Statement (remittance statement sent via email) for transactions by registering a valid email address with the Bank. Upon successful application, no printed remittance statement shall be sent by postal mail. The request for E-statement shall apply to all Quick Padala transactions.
    This E-statement Service agreement covers all remittance transactions of Quick Padala and Metrobank Easy Transfer Service (METS)/Easy Postal Remit Card (EPRC) as well.
20. The Bank reserves the right to suspend or cancel Quick Padala or hold ATM cash deposit from the Remitter due to any of the following reasons:
    1. In case the Remitter failed to comply with the any necessary documentation requirements or failed to provide confirmation on required information in accordance to the Bank’s policy within a prescribed period of time set by the Bank.
    2. Notice from SMBC of its rejection of application for the Card or suspension of the use of the Card.
    3. Abuse in the usage of the Card, frequent violation of the amount limit set by the Bank or failure of the Remitter to adhere to the Bank’s policies.
    4. The Bank may cancel or suspend the use of the Quick Padala at any time for any good reasons at its sole discretion.
21. Upon the occurrence of any of the following events, the Bank may immediately cancel or suspend the provision of Quick Padala without any prior notice:
    1. When the Remitter breaches Quick Padala T & C;
    2. When the payment of all or part of the Remitter's debts owed to the Bank is delayed;
    3. When a suspension of payment is ordered, or commencement of bankruptcy is known to the Bank;
    4. When commencement of inheritance proceedings for the Remitter is known to the Bank;
    5. When the whereabouts of the Remitter become unknown to the Bank due to the Remitter's failure to notify the Bank of a change of address, etc.;
    6. When it is known to the Bank the Remitter is a member or a previous member or has any relation of/ to Anti-Social Forces;
    7. Or, when the Bank determines, on reasonable grounds, that the services should be canceled, suspended or terminated.
22. The Bank shall not be responsible for any delay in the implementation of requested remittance due to any system maintenance work or the like. The Bank shall post on its website prior notice of any scheduled maintenance work in any of its Japan Branches.
23. The Bank may amend, based on the usage of the Card, changes in economic conditions and other circumstances, the service hours, charges and other contents of Quick Padala T & C.
    The effective date of intended amendment shall be set out in the notification, with an adequate transition period of more than one month.
24. The Bank reserves the right to terminate Quick Padala subject to the notification with an adequate period of more than three months.