横浜銀行アプリ‐はまぎん365（サンロクゴ）‐

Description

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Major Features
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◆Balance and Transaction Details Inquiry
◆Transfers and Transfers
◆One-Time Password
◆Purpose Deposits
◆Tax and Fee Payments (Pay-easy)
◆Card Loan Borrowing and Repayment
◆Asset Management (Moneytree)
◆Color and Theme Customization
◆Opening a Regular Savings Account and Foreign Currency Regular Savings Account
◆Viewing Loan Balances and Contract Details for Mortgages, Car Loans, etc.
◆Branch and ATM Search
◆Change Name, Address, and Phone Number

Additional Features Unique to "Hamagin 365"...♥
◆For YOU
A feature that delivers useful information tailored to your interests.
◆Compare with Others
A feature that visualizes simple questions like, "How much do people my age have saved?" and allows you to compare your assets with those of your peers.
◆Asset Lifespan Simulation
A feature that simulates your income and expenditures until age 100 and the lifespan of your assets based on your income, family composition, lifestyle, etc.
◆Chat Function
A feature that delivers messages tailored to your potential needs and provides information in chat format.

"Hamagin 365" not only answers banking questions, but also answers everyday financial questions.

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Recommended for:
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◆I want to open a direct deposit account!
◆I want to check my latest account balance and transaction details 24 hours a day!
◆I want to be notified of any changes in my account balance!
◆I want to complete banking transactions such as transfers through the app without visiting a branch!
◆I want to collect financial information from a trusted source!

The app can be used for a variety of purposes, including the following.

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Account Opening
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◆This service applies to regular savings accounts.
*Regular savings accounts are available as web accounts (without passbook) and seal-less accounts.
◆Eligible users: Those who meet all of the following conditions.
・Individuals aged 15 or older (excluding junior high school students) who do not currently hold a regular savings account with Yokohama Bank.
・Japanese nationals who live or work near a Yokohama Bank head office or branch.
・Persons who hold a driver's license or My Number card.
*Driver's licenses and My Number cards that are invalid as identification, such as those that have expired or have not yet completed address or name changes, will not be accepted.
*Applications for business transactions or those under a trade name are not accepted.
*Applications are not accepted for foreign nationals.
We may reject your account opening request based on our comprehensive judgment.
If we are unable to open an account, we will contact you via the email address you provided when applying.
◆ Account opening is available at branches near your home address or workplace.
*If there is no branch near your home or workplace, you cannot use this service.
◆ After completing your application, your account will be opened as soon as the next business day, and your account number will be notified to you on the app screen or via push notification.
You will also receive your Yokohama Bank Card in approximately 2-3 weeks (approximately 1-2 weeks for a cash card).
* Yokohama Bank Card applications are subject to our standard screening process. If the screening results are not satisfactory, a cash card will be issued.
* Account opening may take some time depending on the application status.

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Card Loan Product Overview (Bank Card Loan)
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Interest Rate (including guarantee fee): 13.6% per year
*This is a variable interest rate and is subject to regular review.
・Loan limit: ¥100,000, ¥300,000, or ¥500,000
・Repayment period
　Fastest same day, maximum 6 years and 4 months from the last borrowing date
　*Based on a loan amount of ¥500,000 and an interest rate of 13.6%
　*This product does not require full repayment within 60 days.

・Total cost example
　Loan amount: ¥500,000, Interest rate: 13.6%
　Number of repayments: 76 installments, Total repayment amount: ¥755,308
　*This calculation is for reference only and may differ from the actual amount.
・Bank Card Loan Transaction Terms and Conditions
https://www.boy.co.jp/shared/pdf/kojin/bcKitei-3.pdf
・Overview of Other Card Loan Products
https://www.boy.co.jp/kojin/card-loan/index.html
・Disclosures Regarding the Protection of Customer Personal Information
https://www.boy.co.jp/policy/index.html

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Eligible Users
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Individual Customers
*To register for the app, you must have a Yokohama Bank savings account with the bank that issued your cash card (including the Yokohama Bank Card).

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User Environment
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◆Smartphone device with Android OS 9.0 or higher
◆Support for devices with Android OS lower than 9.0 has ended, so please update your OS.
*Only devices released by docomo, au, and SoftBank have been tested.
*Even if you are using the above environment, the app may not function properly due to certain device settings, such as those for Raku-Raku Phones. If it does not function properly, please try reinstalling it.

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Notes
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◆ Please use this app only after reviewing and agreeing to the bank's regulations and the following notes.
◆ Use of this app is free. However, separate communication charges will be incurred for using and downloading the app, which will be borne by the customer (including additional communication charges incurred for version upgrades or resetting the app due to malfunctions).
◆ When using this app, you will be required to set an "app authentication number" (a 4- to 8-digit number) to authenticate yourself. It is your responsibility to keep this number secure and prevent it from being discovered or stolen by third parties.
◆ The app's available period for viewing deposit and withdrawal details is up to 10 years for web accounts (non-passbook accounts) and up to 6 months for passbook accounts. However, if the number of statements exceeds 1,000, only the most recent 1,000 statements can be viewed.
*Statements from before the date of initial registration for Hamagin My Direct or the date an account was added to the service, or statements from before September 2019, cannot be viewed.
◆If you do not have a Hamagin My Direct (Internet banking) contract when you register for Hamagin 365, you can view statements from the 1st of the month two months prior to the inquiry date.
◆For deposit and withdrawal details for purpose deposit accounts and card loan accounts, you can view statements from the 1st of the month two months prior to the inquiry date.
◆Notes entered in deposit and withdrawal details will be deleted after the inquiry period has passed.
◆Push notifications are not real-time, so there may be a time lag. Be sure to check the latest deposit and withdrawal details on the account details screen of this app.
◆We recommend taking security measures such as installing security software and keeping your OS and browser up to date to prevent computer viruses and malicious programs from infecting your smartphone with this app installed.
◆This app may be unavailable due to system maintenance, etc.
◆For instructions on how to use this app and further details, please visit the Yokohama Bank website. (https://www.boy.co.jp/kojin/hamagin-apps-365/)