Handling of Personal Information in Direct / Indirect Installment Sales

1. Purpose of use of Personal Information

SBM uses, shares and provides a third party with Personal Information for Direct / Indirect Installment Sales in the following cases:

1) Purpose of use of Personal Information
1. 1. Customer support such as giving responses to customers' inquiries, information on procedures for Direct / Indirect Installment Sales or other information services;
2. 2. Evaluation of whether a customer is qualified for Direct / Indirect Installment Sales, management of transactions after the relevant contract;
3. 3. Charge calculation;
4. 4. Billing;
5. 5. Invoicing for installment sales and credit sales (including those commissioned by other companies);
6. 6. Prevention of unauthorized use of Direct / Indirect Installment Sales;
7. 7. Marketing research and analysis;
8. 8. Preparation of statistical data for management analysis and the use of the results of such analysis;
9. 9. Guidance on products, services and campaigns of SBM and other companies;
10. 10. Notice to inform about information provision to contribute to improvements in customer service; and
11. 11. Other operations required to provide Direct / Indirect Installment Sales including responses based on laws and ordinances.
Clarify the purpose of use and obtain prior consent by customers whenever using the relevant Personal Information for purposes other than those above.

2) Provision / Registration of Personal Information to Affiliated Personal Credit Information Center

In relation to Personal Information of a customer (including applicant) who makes an installment purchase contract or a reimbursement contract (the “Contract’), SBM provides a personal credit information center which SBM is affiliated with (“Affiliated Personal Credit Information Center’) and a company which SBM forms a partnership with for the credit control purposes (“Partner Company”, Affiliated Personal Credit Information Center and Partner Company collectively mean “Affiliated Personal Credit Information Agencies”) with registered Personal Information set out in Paragraph b. below to achieve the purposes set out in Paragraph a.

a. Purpose of use
1. 1. Evaluation of whether a customer is qualified for the Contract and its extension
2. 2. Evaluation of whether a customer is able to make payments for the Contract

b. Personal Information to be registered and term

Customers' Personal Information which SBM registers in Affiliated Personal Credit Information Agencies and its term are as in the following table.

[Note]

*The relevant information is used to check customers? credit rating by Affiliated Personal Credit Information Agencies and members of a personal credit information center which Affiliated Personal Credit Information Center forms a partnership with (“Partner Personal Credit Information Center”) under Article 39 of the Installment Sales Law. It is never used for purposes other than those above.

Registered information	Term
(1) Relevant individual’s information such as his/her name, date of birth, sex, address, phone number, place of employment, work phone number, alphanumeric information in driver’s license, etc	Term in which any of (2), (3) or (4) is registered
(2) Fact that the Contract is actually made	6 months after a date when SBM refers to a personal credit information center
(3) Objective information such as a date of the Contract, type of contract, amount of contract, amount of loan, product name and its quantity and number of times and period and number of payments; and the payment circumstances, available credit, account receivable on installment sales, estimated annual amount due, dates of payment, expected date of full payment	During the Contract term and within 5 years after expiration of the Contract (after full payment if not yet paid in full)
(4) The Contract-related spending, payment status (fact of late payments)	During the Contract term and within 5 years after expiration of the Contract (after full payment if not yet paid in full)

c. Affiliated Personal Credit Information Agencies and Partner Personal Credit Information Center are as stated below. In addition, if SBM joins another personal credit information center and provides it with/registers Personal Information in Paragraph b. above, SBM separately informs the relevant customer in writing of such effect and obtains his/her consent.

(Affiliated Personal Credit Information Center)
Credit Information Center Corp.
Location	First West Bldg., 15th Floor, 1-23-7, Nishi-Shinjuku, Shinjuku-ku, Tokyo 160-8375
Tel	0120-810-414

[Note]

*Personal credit information center whose members are mainly companies conducting a credit business such as installment sales.

(Partner Personal Credit Information Center)
Japan Credit Information Reference Center Corp. (Japanese Only)
Location	Kanda Shinko Bldg. 2-1, Kandata-cho, Chiyoda-ku, Tokyo 101-0046
Tel	0120-441-481

[Note]

*Personal credit information center whose members are mainly money lenders.

(Partner Personal Credit Information Center)
Personal Credit Information Center
Location	1-3-1, Marunouchi, Chiyoda-ku, Tokyo 100-8216
Tel	03-3214-5020

[Note]

*Personal credit information center whose members are mainly financial institutions and their affiliates.

Visit a website posted by each personal credit information center for details of membership and names of member companies of each center.

(Partner Company)
SoftBank Payment Service Corp. (Japanese Only)
Location	Tokyo Shiodome Bldg., 8th Floor, 1-9-1, Higashi-Shimbashi, Minato-ku, Tokyo 105-7308
Tel	03-6889-2130

[Note]

*Wholly-owned subsidiary of SoftBank Corp. providing SBM with a total assistant service for credit control / screening, which is partially outsourced by SBM.

3) Provision to Third Parties

In relation to purchases of SBM handset by installments, SBM may provide an assignee with Personal Information for the purpose of assigning installment receivables to a third party under provisions of the installment purchase contract or the reimbursement contract.

2. Disclosure, Correction and Suspension of Use of Personal Information

1) SBM, if requested to inform about the purpose of use, disclose or correct Personal Information by an individual of such information, gives a reply in writing (SBM replies as agreed with the relevant individual). SBM may charge a fee to the extent deemed reasonable in consideration of actual costs.

2) A customer inquiring for disclosure or correction of his/her own Personal Information obtained by SBM, or complaining about the handling of such Personal Information is asked to communicate with the following contact.

[Note]

*For the contacts of Affiliated Personal Credit Information Center and Partner Personal Credit Information Center, visit their respective website.

Request form	Contact of Personal Information Inquiry (Japanese Only)
Reception phone number	0088-210-051
Service hours	10:00 - 17:00 (Monday to Friday) (Except Saturdays, Sundays and public holidays)

3) Accredited Private Information Protection Organization SBM belongs to is as stated below.

Name	JAPAN CONSUMER CREDIT ASSOCIATION (Japanese Only)
Reception phone number	03-5645-3360 (charged)
Service hours	10:00 - 12:00, 13:00 - 16:00 (Except Saturdays, Sundays, public holidays, the year-end and New Year holidays)

Supplementary provision

The present Handling of Personal Information in Direct / Indirect Installment Sales shall be enforced from 1 April 2009.
Revised on December 1, 2009
Revised on June 15, 2010