PRIVACY POLICY

To become a bank that enjoys the confidence of our customer and becomes the customer bank of choice, at this bank, we observe the relevant laws and ordinances as well as the other standards relating to customer personal information, conform with the various regulation etc. of the bank relative to personal data protection and make every effort to convert appropriate management and maintain accuracy and nonidentity in lines 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 for 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 interest of the customer or community.
4. Where the bank introduces a financial product or services 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 contract 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 information of customers, etc. on consignment from the bank also enforces rigorous management

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.  Please 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

Tokyo Branch

8. Co-use of Personal Data:

If the check/bill/draft/note are dishonored, many harmful influences will be expected to be incurred to bearer of concerned check/bill/draft/note and related financial institutions.

In order to secure the smooth distribution, whenever check/bill/draft/note are dishonored, we shall make the measure to suspend the dealings to the concerned drawer, and other necessary measures may be made in case of need.

Please, therefore, note that we shall also present the personal data for the drawer of dishonored check/bill/draft/note, accepters of dishonored bill of exchange, and applicant for opening current account to the clearing house, and those will be co-used among the financial institutions.

(1) Items of Personal Data to be Co-Used

a.Name of the concerned drawer (In case the concerned drawer is a corporation, its name, name of representative, and title of representative)

b.Trade name of the concerned drawer, if any

c.Address (including Zip Code) of the concerned drawer (In case the concerned drawer is a corporation, place where it is closed)

d.Name of applicant for opening a current account (In case the concerned drawer is a corporation, its name, name of representative, and title of representative)

e.Date of birth

f.Profession

g.Capital (Only in case of a corporation)

h.Category and face value of the concerned check/bill/draft/note

i.Division between a dishonor (so called "The First Dishonor") and report regarding suspension of transactions (so called "Disposition by Suspension of Transactions")

j.Exchange date or presentation date

k.Name of paying bank (including name of concerned department of branch)

l.Name of out-clearing bank (including name of concerned department or branch)

m.Reason of dishonor

n.Date of disposition by suspension of transactions

o.Name of clearing house in which the paying bank (department or branch) of the dishonored check/bill/draft/note is participating, and the bankers association to which the concerned clearing house belongs

<<Remarks>>

In case the information regarding captioned a. - c. described in the dishonored check/bill/draft/note is different from the information which was held by the paying bank, the information described in the concerned dishonored check/bill/draft/note shall also be co-used.

(2) Scope of co-users

A list of co-users is described on the website of Japanese Bankers Association. URL is as under.

http;//www.zenginkyo.or.jp/abstract/koukan/index0600.html

(3) Purpose of co-use

Securement of smooth distribution/negotiation of check/bill/draft/note

Judgements by individual financial institutions in their own credit related transactions

(4) Name of person to be responsible for personal data management

Bankers Association to which the clearing house in which the paying bank (department/branch) of the dishonored check/bill/draft/note is participating.

9. Modifications

The above information may be modified as a result of amendments to the law and other reasons. In that case, a notice will be posted at locations such as office information desks.

State Bank of India
JAPAN OPERATIONS