Privacy Policy and Handling of Personal Information

To become a bank that enjoys the confidence of our customers and become the customers�Ebank of choice, at this Bank, we observe the relevant laws and ordinances as well as the other standards relating to customers�Epersonal information, conform with the various regulations, etc. of the Bank that relate to personal data protection, and make every effort to conduct appropriate management and maintain accuracy and confidentiality in line with the following ideas.

1. Purposes of acquiring information

2. Types of information to be Acquired

3. Information Acquisition method

4. Use and Provision of information

The Bank shall not use or externally provide customer information except in the following cases:

1. where the customer has consented
2. Where it is judged as being necessary under a law or ordinance.
3. Where it is considered as being necessary for the interests of the customer or community.
4. Where the Bank introduces a financial product or service thought to be of great interest to the customer.
5. Where the personal information is to be entrusted with a third party for the purpose of outsourcers operations.

(in this situation the said third party is investigated the necessary contracts are concluded and either measures required under the laws and ordinances are taken)

5. Information Management Method

Appropriate measures are constantly taken so that customer information can be kept accurate and up-to-date. In addition, to prevent the loss, destruction, falsification, and leaking, etc. of the personal information of customers, we take appropriate information security measures such as measures against unauthorized access and computer virus countermeasures.
In addition, we ensure that any company handling the personal data of customers, etc. on consignment from the Bank also enforces rigorous management. Meanwhile, Personal Data Protection Manager of the branches is as follows: Toshio KIKUCHI, SVP&RM, Tel 03-3284-0085.

6. Applications for Disclosure, Correction, or Discontinuation from the customer
[Disclosure and Correction]

Unless there is a particular reason, we approve customer requests for the disclosure of their own information after checking that the applicant is the person concerned. In addition, if the information about the customer is inaccurate, we modify it so that it is accurate. Apply at the inquiries desk detailed below. Please note that actual costs may be billed for disclosure.

Discontinuation

If a customer does not want to receive introductory materials by direct mail, mail, telephone, or email, etc., apply at the inquiries desk detailed below. From then on, we shall discontinue handling your information.

7. Customer Inquiries and Complaints

[Inquiries]
Direct all applications relating to the disclosure, correction, and discontinuation of the use of personal information as well as any questions about points that are not clear to the telephone number given below.( Reception Hours: 9:00 a.m. to 5:00 p.m. , Excluding weekends, public holidays, and the year-end/New Year business holiday)

Tokyo Branch

8. Designated Organization for Alternative Dispute Resolution

The Branch is an associate member of the Japanese Bankers Association (“JBA�E and Alternative dispute resolution with which the Branch is in contact is JBA (Designated dispute organization based on the Banking Act) which responds to disputes that occur between customers and member banks.
Contact: JBA Customer Relation Centre
Telephone: (0570) 017109 or (03) 5252-3772

9. Joint Use of Personal Data

The Branch will jointly use customers' personal data as follows:

(1) Joint Use among Group Companies

[Purpose of Use]

·       To identify a customer pursuant to applicable laws and regulations;

·       To provide comprehensive financial services offered by the Group

·       To implement the group framework for compliance, risk management, internal audits and other internal controls

·       To coordinate management and oversight activities among group companies

[Items of Personal Data to be jointly used]

·       Name and address

·       Place of work and address

·       Business title

·       Contact details (phone number, fax number, and email address)

·       Account information

·       Transaction details

·       Other items required to achieve the purposes specified above

[Scope of Joint-users]
State Bank of India and its subsidiaries

[Person responsible for the security of Personal Data]
State Bank of India, Tokyo and Osaka Branch, respectively ("Branch")

(2) Joint Use of Dishonoured Cheque Information

[Purpose of Use]
To secure smooth distribution of notes and cheques and to allow financial institutions to make judgements on their credit transactions.

[Items of Personal Data to be jointly used]
Name of the relevant drawer (in case of a corporation, its name, name of representative and title of representative); Trade name of the relevant drawer if any; Address (in case of a corporation, place where it is located) (including the zip code); Name of applicant for opening a current account (in case of a corporation, name, name of representative, title of representative and trade name (if any));Date of birth; Occupation; Capital (only in case of a corporation); Category and face value of the relevant note or check; Distinction between a report of dishonour (the first dishonour) and report of suspension of transactions (disposition of suspension of transactions); Date of exchange (Date of presentation); Paying Bank (including the name of department or branch); Out-clearing Bank (including the name of department or branch); Reason for dishonour; Date of disposition of suspension of transactions; Clearing house in which the paying bank (branch) of the dishonoured note/check is participating and the bankers association to which the relevant clearing house belongs;

[Scope of Joint-users]
Each local clearing house; Financial institutions participating in each local clearing house; Personal Credit Information Centre established and operated by JBA; Each local bankers association which is a special member of JBA (including Reference Centre for Suspended Persons in each local bankers association).  A list of co-users may be found on the website of Japanese Bankers Association.
http://www.zenginkyo.or.jp/abstract/clearing/index.html

10.  Modifications

The above information may be modified as a result of amendments to the law and other reasons.  In that case, the latest version will be available to the public at the Branch office or on the website of the Branch.