THE NORINCHUKIN BANK

Banking services, namely, acceptance of deposits including substitute bond issuance and acceptance of fixed interval installment deposits; loans financing and discount of bills; [ domestic exchange settlement, namely, the settling of international and commercial transactions through obtaining the proceeds of a sale in cash or in exchange for formal debt instructions; acquisition and transfer of monetary claims; ] foreign exchange transactions; [ letter-of-credit related services, namely, issuing letters of credit; ] financial exchange securities services, trading of securities index futures, trading of securities options, trading of overseas market securities futures