横浜銀行アプリ‐はまぎん365（サンロクゴ）‐ 7.0.0

Key Features:

• Balance and transaction history inquiry
• Transfer service
• One-time password feature
• Target savings account
• Tax and fee payments (Pay-e)
• Card loan borrowing and repayment
• Asset management feature (Moneytree)
• Color and theme customization
• Regular savings account opening

In addition, "Hamagin365" offers unique features such as:

• For YOU: Delivers useful information tailored to your interests and needs
• Comparison with others: Visualizes simple questions like "How much do people of the same age save?" allowing you to compare your assets with others'
• Asset lifespan simulation: Simulate your income, family structure, and lifestyle to project income and asset lifespan up to age 100
• Chat feature: Delivers messages tailored to customers' potential needs and provides information in a chat format

"Hamagin365" not only facilitates banking transactions but also resolves queries related to everyday finances!

Recommended for:

• Those looking to open a salary transfer account
• Individuals who want to check the latest account balance and transactions at any time of day
• Customers who wish to receive notifications in case of balance fluctuations
• People preferring to complete banking transactions such as transfers without visiting the branch, using the app instead
• Individuals who seek financial information from reliable sources

Account Opening:

• This service is applicable for applying for regular savings accounts.
• You are eligible if you meet the following criteria:
  • Aged 15 and above, not holding a regular savings account with Yokohama Bank

• • • A resident or employee near the main branch of Yokohama Bank with Japanese nationality or holding a driver's license or My Number Card.

• Note:

• "Applications cannot be made by businesses or under business names. Foreign nationals are not eligible. Expired driver's licenses, incomplete address/name change procedures, or invalid driver's licenses/My Number Cards will not be accepted for verification. The bank reserves the right to refuse account openings based on comprehensive assessments. In case account opening is unsuccessful, we will contact you at the email address provided during registration.

• Potential applicants should visit a store near their residence or workplace for account opening. If there is no store nearby your residence or workplace, you are not eligible. After application completion, we will notify you of your account number via push notification on the next business day at the earliest. Yokohama Bank Cards will be delivered to you within approximately 2-3 weeks (1-2 weeks for cash cards).

• Please note that Yokohama Bank Card applications are subject to our review. If your request does not meet our criteria, we will issue a cash card instead. Depending on application volume, there may be delays in account openings.

• Brief Overview of Card Loan Product (Bank Card Loan):

• • Interest rate (including guarantee fees): 13.6% per annum – Variable rate subject to periodic review.
• - Available loan amounts: 100,000 yen, 300,000 yen, or 500,000 yen- Repayment period: From final borrowing day, minimum same-day repayment up to maximum 6 years and 4 months- For example: Borrowing 500,000 yen at an interest rate of 13.6% would result in a total repayment of 755,308 yen spread over 76 installments.
• • Total Costs Example: Borrowing amount: 500,000 yen - Interest: 13.6%, Repayment frequency: 76 installments- Total repayment amount: 755,308 yen - This calculation is an estimate; actual amounts may differ.• Bank Card Loan Transaction Terms: [Link to Terms](https://www.boy.co.jp/shared/pdf/kojin/bcKitei-3.pdf)• Additional Information on other card loan products: [Link to Details](https://www.boy.co.jp/kojin/card-loan/index.html)• Disclosure items regarding customer personal information protection: [Privacy Policy Link](https://www.boy.co.jp/policy/index.html)

• Potential Users:

• • Individual customers – To register on the app, you need a regular savings account with Yokohama Bank and a cash card (including Yokohama Bank Cards).

• User Environment Requirements:

• - Smartphones equipped with AndroidOS version 9.0 or higher- Support has been discontinued for devices with AndroidOS versions lower than 9.0; please update your operating system when necessary.- operational verification has been performed only on devices released by Docomo, au, and SoftBank. Please note:
  - Even when using the compatible environment mentioned above, certain models may not function properly due to settings on devices like simplified phones.- For security purposes, we recommend using security software and keeping your OS/browser up-to-date to prevent smartphone infection by computer viruses or unauthorized programs. Read more about how The Yokohama Bank handles customer issues in Summary:
  - System maintenance may occasionally restrict access.- Check out The Yokohama Bank website for app usage details and additional information: [The Yokohama Bank Website](https://www.boy.co.jp/kojin/hamagin-apps-365/)