定期預金規定
第 1 条（作成） 1.この預金の作成は、1口につき1万円以上とします。 2.この預金の作成方法は、ダイレクトバンキングサービスおよび セブン銀行（以下「当社」といいます。）の現金自動預払機（ATM） によるお客さまのセブン銀行口座普通預金（以下「普通預金」と いいます。）からの振替によるものとします。 第 2 条（満期時の取扱い） 1.自動継続の定期預金は、満期日に前回と同一の期間の定期預金 に自動的に継続します。利息は、あらかじめご指定された方法 により、満期日にお客さまの普通預金に入金するか、または満 期日に元金に組入れて継続する方法により支払います。 継続された定期預金についても同様とします。 2.満期自動解約の定期預金は、満期日に自動的に解約し、元利金 はお客さまの普通預金に入金します。 3.満期時の取扱方法をご変更になる場合は、満期日（継続したと きはその満期日）前日までに当社所定の方法により満期取扱変 更を行ってください。 4.前各項の定めにかかわらず、お客さまの特定の自動継続の定期 預金について、仮差押え、保全差押え、追徴保全、転付、弁 済禁止、没収保全または差押えの命令（以下「債権執行手続等」 といいます。）の通知が送達された場合には、当該特定の自動継 続の定期預金は、満期日に自動継続しません。 5.前項の定めに従い自動継続しない定期預金については、満期日 の翌日以降、普通預金金利を付与します。また、当該定期預金 については、取立て、転付命令その他債権執行手続等が実行 された場合で、残金があるときには、普通預金に入金するもの とし、債権執行手続等の取下げ、取消しその他債権執行手続 等が実行されなかった場合には、すみやかに当該定期預金の全 額を普通預金に入金するものとします。 第 3 条（利息） 1.この預金の利息は、作成日（継続をしたときはその継続日）から 満期日の前日までの日数および適用する利率（継続後の預金に ついては継続日における当社所定の利率。以下これらを「適用 利率」といいます。）によって６ヶ月複利の方法で計算し、満期 日に支払います。 2.相続の開始等の理由により満期日にご解約ができず、満期日の 翌日以降に解約される場合、満期日以降の利息は、満期日から 解約日の前日までの日数および解約日における普通預金利率に より計算します。 3.この預金の付利単位は1円とし、1年を365日として日割で計算 します。 第 4 条（中途解約） 1.この預金を満期日前に解約される場合は、当社所定の方法によ り当社にお申出ください。 2.中途解約利息は、預入日（継続をしたときは最後の継続日）から 解約日の前日までの日数（以下「預入期間」といいます。）に応じ た下表の中途解約利率によって６ヶ月複利の方法で計算しま す。ただし、中途解約利率が解約日における普通預金利率を下 回る場合は、普通預金利率によって計算します。English
＜中途解約利率表＞ 当初預入 期間 預入期間 1年未満 1年以上 2年未満 2年以上3年未満 3年以上 1年未満 解約日時点の普通預金利率 1年以上2年未満 ― 適用利率×30% 適用利率×20% 適用利率×10% 2年以上3年未満 ― ― 適用利率×50% 適用利率×30% 3年以上 ― ― ― 適用利率×70% （小数点第4位以下切捨て） 3.この預金を満期日前に1万円以上1万円単位の金額で一部解約 される場合、解約される部分についての利息は、前項の方法に より計算します。なお、一部解約後の残金は1万円以上となる こととします。 4.お客さまが次の各号のいずれかに該当した場合は、当社はお 客さまに事前に通知することなく、当社所定の方法および時期 に、この預金を解約することができます。また、本項の定めに 従い中途解約する場合のこの預金の利率については、適用利 率を適用するものとします。 （1）お支払いの停止または破産、強制執行、特定調停もしくは民 事再生手続開始の申立てがあった場合、または任意整理を 開始した場合 （2）預金その他の当社に対する債権について、債権執行手続等 の通知が送達された場合 5.解約代り金および利息はお客さまの普通預金に入金します。 6.セブン銀行口座を解約される場合は、定期預金も解約となりま す。この場合は、本条を適用します。 第 5 条（休眠預金等活用法に係る異動事由） 当社は、この預金について、以下の事由を民間公益活動を促進 するための休眠預金等に係る資金の活用に関する法律（以下 「休眠預金等活用法」といいます。）にもとづく異動事由として 取扱います。 （1）引出し、預入れ、振込みの受入れ、振込みによる払出し、口座 振替その他の事由により預金額に異動があったこと（当社 からの利子の支払いに係るものを除きます。） （2）手形または小切手の提示その他の第三者による支払いの請 求があったこと（当社が当該支払いの請求を把握すること ができる場合に限ります。） （3）預金者等（休眠預金等活用法第2条第3項に定める者をいい ます。以下同じ。）から、この預金について次に掲げる情報の 提供の求めがあったこと（この預金が休眠預金等活用法第 3条第1項にもとづく公告（以下、本項において「公告」とい います。）の対象となっている場合に限ります。） 〈1〉公告の対象となる預金であるかの該当性 〈2〉預金者等が公告前の休眠預金等活用法にもとづく通知 を受け取る住所地 （4）預金者等からの申出にもとづく契約内容または顧客情報の 変更があったこと （5）セブン銀行取引規定にもとづく他の預金について前各号に 掲げるいずれかの事由が生じたこと 第 6 条（休眠預金等活用法に係る最終異動日等） 1.この預金について、休眠預金等活用法における最終異動日等と は、次に掲げる日のうち最も遅い日をいうものとします。
（1）第5条に掲げる異動が最後にあった日 （2）将来における預金に係る債権の行使が期待される事由とし て次項で定めるものについては、預金に係る債権の行使が 期待される日として次項において定める日 （3）当社が預金者等に対して休眠預金等活用法第3条第2項に 定める事項の通知を発した日。ただし、当該通知が預金者に 到達した場合または当該通知を発した日から1ヶ月を経過 した場合（1ヶ月を経過する日または当社があらかじめ預 金保険機構に通知した日のうちいずれか遅い日までに通知 が預金者の意思によらないで返送されたときを除く。）に限 ります。 （4）この預金が休眠預金等活用法第2条第2項に定める預金等 に該当することとなった日 2.第1項第2号において、将来における預金に係る債権の行使が 期待される事由とは、次の各号に掲げる事由のみをいうものと し、預金に係る債権の行使が期待される日とは、当該各号に掲 げる事由に応じ、当該各号に定める日とします。 （1）預入期間、計算期間または償還期間の末日（自動継続扱いの 預金にあっては、初回満期日） （2）初回の満期日後に前項1号または3号に定める日があった こと 当該事由が生じた期間の満期日 （3）法令、法令にもとづく命令もしくは措置または契約により、 この預金について支払いが停止されたこと 当該支払停止が解除された日 （4）この預金について、強制執行、仮差押えまたは国税滞納処分 （その例による処分を含みます。）の対象となったこと 当該手続きが終了した日 （5）セブン銀行取引規定にもとづく他の預金について、前各号 に掲げる事由が生じたこと 他の預金に係る最終異動日等 第 7 条（休眠預金等代替金に関する取扱い） 1.この預金について長期間お取引きがない場合、休眠預金等活用 法にもとづきこの預金に係る債権は消滅し、預金者等は、預金 保険機構に対する休眠預金等代替金債権を有することになり ます。 2.前項の場合、預金者等は、当社を通じてこの預金に係る休眠預 金等代替金債権の支払いを請求することができます。この場合 において、当社が承諾したときは、預金者は、当社に対して有 していた預金債権を取得する方法によって、休眠預金等代替 金債権の支払いを受けることができます。 3.預金者等は、第1項の場合において、次に掲げる事由が生じた ときは、休眠預金等活用法第7条第2項による申出および支払 いの請求をすることについて、あらかじめ当社に委任します。 （1）この預金に係る休眠預金等代替金の支払いを目的とする債 権に対する強制執行、仮差押えまたは国税滞納処分（その例 による処分を含みます。）が行われたこと （2）この預金に係る休眠預金等代替金の一部の支払いが行われ たこと 4.当社は、次の各号に掲げる事由を満たす場合に限り、預金者等 に代わって第3項による休眠預金等代替金の支払いを請求する ことを約します。 （1）当社がこの預金に係る休眠預金等代替金について、預金保
険機構から支払等業務の委託を受けていること （2）前項にもとづく取扱いを行う場合には、預金者等が当社に 対して有していた預金債権を取得する方法によって支払う こと 第 8 条（規定の準用） 本規定に定めのない事項については、当社の他の規定、規則等 の定めるところによるものとします。 （2018年1月1日改定） 附則 本規定第2条の内容の変更については、2017年3月27日以降に満 期日が到来する自動継続の定期預金に適用するものとします。 （2017年3月27日制定）
Article 1 (Creations)
1. Each Japanese yen time deposit (hereinafter referred to as the “Time Deposit”) shall be opened in an amount of not less than 10,000 yen.
2. A Time Deposit shall be created by way of account transfer from the Japanese yen ordinary deposit in the Seven Bank Account (hereinafter referred to as the “Ordinary Deposit”) of the customer through the direct banking service or through an automatic teller machine (hereinafter referred to as the “ATM”) of the Bank.
Article 2 (Handling of Matters upon Maturity)
1. A Time Deposit with the automatic renewal option shall be automatically renewed on the maturity date in the form of a Time Deposit for the same term as the immediately preceding term. Interest on a Time Deposit shall be paid to the customer by transferring the relevant amount to the customer’s Ordinary Deposit on the maturity date, or by adding the relevant amount to the principal on the maturity date to constitute the principal amount for the renewed Time Deposit, as designated by the customer in advance. This scheme regarding interest shall apply to any Time Deposit subsequently renewed.
2. A Time Deposit with the automatic termination option shall be automatically terminated on the maturity date, on which the sum of the principal and interest shall be transferred to the customer’s Ordinary Deposit.
3. If the customer wishes to change the option attached to his/ her Time Deposit in respect of the handling of matters upon maturity, the customer shall take the procedures prescribed by the Bank not later than the day immediately preceding the maturity date (or the day immediately preceding the maturity date for the renewed term, if applicable).
4. Notwithstanding the provisions of the preceding paragraphs, if the Bank receives notice of an order of provisional seizure, preservative seizure, preservation for collection of equivalent value, assignment, prohibition of payment, preservation for confiscation, or seizure (hereinafter referred to as a "procedure for execution of a claim, etc.") with regard to any specific Time Deposit with the automatic renewal option held by the customer, said specific Time Deposit with the automatic renewal option shall not be automatically renewed on the maturity date.
5. For a Time Deposit with the automatic renewal option that is not automatically renewed as prescribed in the preceding paragraph, ordinary deposit interest shall be given on or after the day immediately following the maturity date. If collection, an assignment order or any other procedure for execution of a claim, etc. is carried out with regard to said Time Deposit, any amount that remains shall be paid to the customer by transferring it to his/her Ordinary Deposit. If a procedure for execution of a claim, etc. is withdrawn or rescinded or is not
Time Deposit Terms and Conditions
carried out for other reasons, the amount of said Time Deposit shall be paid in full to the customer promptly by transferring it to his/her Ordinary Deposit.
Article 3 (Interest)
1. A Time Deposit shall bear interest compounded semi-annually, which shall be calculated at the predetermined interest rate (or the interest rate applicable on the renewal date, in the case of a renewed deposit; hereinafter collectively referred to as the “Given Interest Rate”) for the period of days from the date of creation of the Time Deposit (or the date of its most recent renewal, if applicable) to the day immediately preceding the maturity date, and such interest shall be payable to the customer on the maturity date.
2. If a Time Deposit cannot be terminated on the maturity date due to the commencement of inheritance or other reason and it is terminated on or after the day immediately following the maturity date, interest accrued after the maturity date shall be calculated at the ordinary deposit interest rate applicable on the termination date for the period of days from the maturity date to the day immediately preceding the termination date. 3. Interest on a Time Deposit shall accrue for each one-yen
portion of the deposited amount, which shall be calculated on a daily pro rata basis of a 365-day year.
Article 4 (Early Termination)
1. If the customer wishes to terminate a Time Deposit before its maturity date, the customer shall notify the Bank in the manner prescribed by the Bank.
2. Early termination interest shall be compounded semi-annually and calculated at the early termination interest rate listed in the following table for the period of days from the date of creation of the Time Deposit (or the date of its most recent renewal, if applicable) to the day immediately preceding the termination date (hereinafter referred to as the “Deposit Term”); provided, however, that, if the early termination interest rate determined in this way falls below the Japanese yen ordinary deposit interest rate applicable on the termination date, that ordinary deposit interest rate shall be used to calculate the amount of interest.
<Early termination interest rate table> Original Deposit Term Actual Deposit Term Less than one year One year or more, less than two years Two years or more, less than three years Three years or more Less than one year Japanese yen ordinary deposit rate as of the date of termination One year or more, less
than two years — Given Interest Rate × 30% Given Interest Rate × 20% Given Interest Rate × 10% Two years or more, less
than three years — — Given Interest Rate × 50% Given Interest Rate × 30% Three years or more — — — Given Interest Rate × 70% (Rounded down to three decimal places) 3. If the customer wishes to terminate a Time Deposit in part
before the maturity date (in which case, the amount to be terminated must be an integral multiple of 10,000 yen), interest on the terminated portion shall be calculated in accordance with the method set forth in Paragraph 2 above. The amount of principal remaining after such partial termination must not be less than 10,000 yen.
4. If the customer falls under either of the following, the Bank may terminate his/her Time Deposit by the method and at the time as predetermined by the Bank, without giving prior notice to the customer; the Given Interest Rate shall apply as the interest rate for a Time Deposit terminated before the maturity date pursuant to this paragraph:
(1) where the customer has suspended payment, a petition for commencement of bankruptcy proceedings,
compulsory execution, special conciliation proceedings or civil rehabilitation proceedings has been filed by or against the customer, or where the customer has commenced voluntary liquidation proceedings; or
(2) where the Bank has received notice of a procedure for execution of a claim, etc. with regard to a deposit or any other claim held by the customer against the Bank. 5. The amount to be paid for the terminated Time Deposit and
the interest thereon shall be transferred to the customer’s Ordinary Deposit.
6. If the customer terminates his/her Seven Bank Account, the customer’s Time Deposits shall also terminate at the same time. In such cases, the provisions of Article 4 shall apply. Article 5 (Account Activities under the Dormant Deposits
Utilization Act)
The Bank shall treat the following circumstances with regard to a Time Deposit as account activities under the Act on Utilization of Funds Related to Dormant Deposits to Promote Public Interest Activities by the Private Sector (hereinafter referred to as the “Dormant Deposits Utilization Act”): (1) there has been a change in the deposited amount due to
causes such as a withdrawal, deposit, receipt of a fund transfer, payment by a fund transfer, or direct debit (excluding a change caused by the payment of interest by the Bank);
(2) a third party has demanded payment such as by presenting a bill, note or check (limited to the case where the Bank is able to recognize such demand for payment); (3) the Depositor, etc. (meaning the depositor, etc. defined in
Article 2, Paragraph 3 of the Dormant Deposits Utilization Act; the same applies hereinafter) has requested the Bank to provide the following information regarding the Time Deposit (limited to the case where the Time Deposit is subject to a public notice posted under Article 3, Paragraph 1 of the Dormant Deposits Utilization Act (hereinafter referred to as a “Public Notice” in this paragraph)):
(i) whether the Time Deposit is a deposit subject to the Public Notice; or
(ii) the address of the Depositor, etc. where he/she receives a notice issued by the Bank under the Dormant Deposits Utilization Act before the Bank posts a Public Notice;
(4) there has been a change to the contract details or customer information upon the request of the Depositor, etc.; and
(5) any of the circumstances set forth in the preceding items has taken place with regard to any other deposit under the Seven Bank Terms and Conditions.
Article 6 (Most Recent Account Activity Date, etc. under the Dormant Deposits Utilization Act)
1. With regard to a Time Deposit, the term “most recent account activity date, etc.” under the Dormant Deposits Utilization Act refers to the most recent date of the following dates:
(1) the most recent date on which any of the account activities set forth in Article 5 was made;
(2) for any circumstances specified in the following paragraph as circumstances with which future enforcement of claims for a deposit is expected, the date specified in the following paragraph as the date on which the enforcement of claims for the deposit is expected;
(3) the date on which the Bank issued a notice informing of the matters specified in Article 3, Paragraph 2 of the Dormant Deposits Utilization Act to the Depositor, etc.; limited to the case where that notice has reached the Depositor, etc. or where one month has passed since the date on which that notice was issued (excluding the case where the notice has been returned to the Bank regardless of the depositor’s will by the date on which one month has passed or the date on which the Bank has notified the Deposit Insurance Corporation of Japan (hereinafter referred to as the “DICJ”) in advance, whichever comes later); and
(4) the date on which the Time Deposit came to fall under the category of deposits, etc. defined in Article 2, Paragraph 2 of the Dormant Deposits Utilization Act.
2. The phrase “circumstances with which future enforcement of claims for a deposit is expected” in Paragraph 1, Item (2) only refers to any of the circumstances set forth in the following items, and the phrase “date on which the enforcement of claims for the deposit is expected” in the same item refers to the date specified in the following items according to the circumstances set forth in the respective items:
(1) the last date of the Deposit Term, the computation period or the redemption period (or the first maturity date for a deposit with the automatic renewal option);
(2) either of the dates set forth in Items (1) and (3) of the preceding paragraph came after the first maturity date: the maturity date that falls in the period during which the relevant circumstances have taken place;
(3) payment with regard to the Time Deposit was suspended under laws and regulations, any order or measures based
on laws and regulations or any contract: the date on which the suspension of payment is lifted;
(4) the Time Deposit was subjected to compulsory execution, provisional seizure or collection of delinquent national tax (including a disposition under the same rules): the date on which the relevant procedure is completed; or
(5) any of the circumstances set forth in the preceding items has taken place with regard to any other deposit under the Seven Bank Terms and Conditions: the most recent account activity date, etc. with regard to such other deposit.
Article 7 (Handling of Substitute Money for Dormant Deposits) 1. If no transaction has been conducted with regard to a Time
Deposit for a long period of time, claims for the Time Deposit shall become extinct under the Dormant Deposits Utilization Act, and the Depositor, etc. shall acquire a claim for substitute money for dormant deposits against the DICJ.
2. In the case referred to in the preceding paragraph, the Depositor, etc. may make a demand, via the Bank, for payment of a claim for substitute money for dormant deposits regarding the Time Deposit. In this case, the depositor may receive payment of the claim for substitute money for dormant deposits by acquiring the claim for deposit that the depositor previously held against the Bank, if the Bank consents to this.
3. A Depositor, etc. shall commission the Bank, in advance, to make an allegation or demand for payment under Article 7, Paragraph 2 of the Dormant Deposits Utilization Act if any of the following circumstances takes place in the case referred to in Paragraph 1:
(1) compulsory execution, provisional seizure or collection of delinquent national tax (including a disposition under the same rules) has been carried out against a claim for payment of substitute money for dormant deposits regarding the Time Deposit; or
(2) substitute money for dormant deposits regarding the Time Deposit has been partially paid.
4. The Bank shall promise to make a demand for payment of substitute money for dormant deposits under Paragraph 3 on behalf of a Depositor, etc. only if the conditions set forth in the following items are met:
(1) the Bank has been entrusted by the DICJ to conduct the payment operations for substitute money for dormant deposits regarding a Time Deposit; and
(2) if the handling under the preceding paragraph applies, the Bank is to pay substitute money for dormant deposits by having a Depositor, etc. acquire the claim for deposit that the Depositor, etc. previously held against the Bank. Article 8 (Mutatis Mutandis Application of Terms and Conditions)
Matters not set forth in these Terms and Conditions shall be governed by other applicable terms and conditions, rules, or regulations of the Bank.
Supplementary Provisions
The revision to Article 2 of these Terms and Conditions shall apply to a Time Deposit with the automatic renewal option which will mature on or after March 27, 2017.
(Established on March 27, 2017) * The above is an English translation of the Japanese version, and has been prepared merely for the customer’s convenience. If there is any inconsistency between the two, the Japanese version shall prevail.
