横浜銀行アプリ‐はまぎん365（サンロクゴ）‐

---------- Main Functions

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◆Balance and Deposit/Withdrawal Statement Inquiry

◆Fund Transfer

◆One-Time Password

◆Purpose Savings

◆Tax and Various Fee Payments "PayB" and "Pay-easy"

◆Card Loan Borrowing and Repayment

◆Asset Management Function (Moneytree ID Linkage)

◆Opening of Ordinary Deposit and Foreign Currency Ordinary Deposit Accounts

◆Inquiry of Loan Balances and Contract Details for Housing Loans, Car Loans, etc.

◆Branch and ATM Search

◆Change of Name, Address, and Phone Number

In addition, there are many other features unique to "Hamagin 365"...!

◆For YOU

A feature that delivers useful information tailored to your interests and concerns.

◆Compare with Others

A feature that visualizes simple questions such as "How much wealth do people my age have?" and allows you to compare your assets.

◆Asset Life Expectancy Simulation

A feature that simulates your income, expenses, and asset life expectancy up to age 100, based on your income, family structure, and lifestyle.

◆Chat Function

A feature that delivers messages tailored to your potential needs and provides information in a chat format.

◆Color and Theme Customization

A feature that allows you to customize the app's colors and themes to suit your preferences.

"Hamagin 365" solves not only banking transactions but also everyday money-related questions.

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Recommended for people who:

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◆Want to open a salary deposit account!

◆Want to check the latest account balance and deposit/withdrawal details 24 hours a day, at any time!

◆Want to be notified when there are changes in their account balance!

◆Want to complete banking transactions such as transfers and remittances through the app without visiting a branch!

◆Want to gather financial information from reliable sources!

It can be used for a variety of purposes, such as those listed above.

---------------- Opening a Savings Account

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◆This app is for opening savings accounts only.

*Savings accounts are Web accounts (passbook-less accounts) and seal-less accounts.

◆Those who can use this service must meet all of the following conditions:

・Generally, individuals aged 15 or older (excluding junior high school students) who do not currently have a savings account with Yokohama Bank.

・Japanese nationals who live or work (or attend school) near a Yokohama Bank branch.

・Those who possess a driver's license or My Number Card.

*Driver's licenses and My Number Cards that are expired, have not completed address/name change procedures, or are otherwise invalid as identification documents will not be accepted.

*Applications for business transactions or under a trade name are not accepted.

*Foreign nationals cannot apply.

◆Account opening may be refused at the bank's discretion.

If your account cannot be opened, we will contact you at the email address you provided during application.

◆In principle, the branch where you can open an account will be a branch near your home or workplace.

*If there is no branch near your home or workplace, you will not be able to use this service.

◆After completing your application, your account will be opened as early as the next business day, and your account number will be notified to you via the app screen or push notification.

You will also receive your Yokohama Bank Card in approximately 2-3 weeks (approximately 1-2 weeks for a cash card).

*Applications for a Yokohama Bank Card are subject to our bank's screening process. If your application is not approved, we will issue a cash card instead.

*Account opening may take longer depending on the application status.

◆For details on opening a foreign currency savings account, please click here:

https://www.boy.co.jp/kojin/gaika-yokin/index.html

◆For details on opening an investment trust account, please click here:

https://www.boy.co.jp/kojin/toushin/index.html

---------------- Overview of Card Loan Products (Bank Card Loan)

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◆Main Product Overview

・Interest Rate: 13.6% per annum (variable interest rate, reviewed periodically)

・Loan Limit: 100,000 yen, 300,000 yen, or 500,000 yen

・Purpose of Use: Unrestricted (excluding business funds)

*Applications for bank card loans are subject to our bank's standard screening process. Depending on the results of the screening, we may not be able to meet your request.

◆Repayment Period

・Loan Limit: 500,000 yen, Interest Rate: 13.6% per annum

From the last borrowing date, the shortest repayment period is the same day, and the longest is 6 years and 4 months.

*This product does not require full repayment within 60 days.

◆Example of Total Costs

Loan Amount: 500,000 yen, Interest Rate: 13.6% per annum

Number of Repayments: 76, Total Repayment Amount: 755,308 yen

*This calculation is a reference value and may differ from the actual amount.

◆Learn more about Bank Card Loans here

https://www.boy.co.jp/kojin/card-loan/bankcard/index.html

・Bank Card Loan Transaction Regulations

https://www.boy.co.jp/shared/pdf/kojin/bcKitei-3.pdf

◆Information on Other Card Loan Products

https://www.boy.co.jp/kojin/card-loan/index.html

◆Public Information Regarding the Protection of Customer Personal Information

https://www.boy.co.jp/policy/index.html

---------------- Who Can Use This Service?

---------------- Individual Customers

*To register for the app, you need a Yokohama Bank ordinary deposit account where a cash card (including Yokohama Bank Card) is issued.

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Operating Environment

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◆Smartphone devices with Android OS 10.0 or later

◆Support for devices with Android OS versions below 10.0 has ended; please update your OS.

*Operation has only been confirmed for devices released by docomo, au, and SoftBank.

*Even with the above environment, the app may not function correctly depending on the device, settings, available memory, and other usage conditions of the customer, especially for some smartphone models with limited functionality.

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Important Notes

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◆Please use this app after reviewing and agreeing to the bank's regulations and the following important notes.

◆This app is free to use. However, separate communication charges will apply for using and downloading the app, and these charges will be borne by the customer (including additional communication charges incurred during version upgrades or for reconfiguration due to the app not functioning correctly).

◆When using this app, you will set an "App Authentication Number (a 4-8 digit arbitrary number)" to authenticate you. Please manage your app authentication number carefully and responsibly to prevent it from being known or stolen by third parties.

◆The period for which you can view deposit and withdrawal statements in this app is up to 10 years for Web accounts (passbook-less accounts) and up to 6 months for passbook accounts. However, if the number of statements exceeds 1,000, only the most recent 1,000 statements can be viewed.

*Statements prior to the initial registration date or service account addition date for Hamagin MyDirect (Internet Banking) and statements prior to September 2019 cannot be viewed.

◆If you did not have a Hamagin MyDirect (Internet Banking) contract when registering for Hamagin 365, you can view statements from the 1st of the month two months prior to the inquiry date.

◆For purpose deposit accounts and card loan accounts, you can view deposit and withdrawal statements from the 1st of the month two months prior to the inquiry date.

◆Notes entered in deposit and withdrawal statements will be deleted after the inquiry period has expired.

◆Push notifications are not real-time, so there may be a time lag. Please be sure to check the latest deposit and withdrawal details on the account details screen in this app.

◆To prevent your smartphone from being infected with computer viruses or malicious programs, we recommend taking security measures such as installing security software and keeping your OS and browser up to date.

◆The app may be unavailable due to system maintenance, etc.

◆For information on how to use this app and other details, please check the Yokohama Bank website. (https://www.boy.co.jp/kojin/hamagin-apps-365/)