Overview of the Health Insurance Organization

1. Guide to health insurance Summarized below is essential health insurance information for members of the FR Health Insurance Organization. See the FR Health Insurance Organization’s website for more information. Updated on March 1st ., 2013 http://http://www.fr-kenpo.or.jp/eng/index.html Overview of the Health Insurance Organization ●What is health insurance? Sickness, injury, childbirth, and death can impose significant economic burdens on our lives. To help individuals prepare for and cope with such events, health insurance systems allow the employer and individual employees to share the cost of insurance premiums so that employees can receive benefits when they need them. ＊The FR Health Insurance Organization …The FR Health Insurance Organization manages health insurance for individuals working in the Fast Retailing Group. In general, it provides insurance benefits to reduce the burden of medical costs; temporary disability benefits when a member takes time off from work due to sickness or injury; and healthcare activities to help promote and maintain good health. ●The FR Health Insurance funding and costs http://http://www.fr-kenpo.or.jp/eng/member/01_info/107.html HOME＞Introduction ＞Table of Monthly insurance premiums ●Eligibility at the FR Health InsuranceOrganization.　～Insured persons～ Employees of the Fast Retailing Group who meet certain conditions can become insured persons under the FR Health Insurance Organization, with the right to receive insurance benefits and the obligation to pay insurance premiums.Insured persons covered by National Health Insurance, dependents covered under the health insurance system to which a family member belongs, and voluntary continuous insured persons enrolled in other health insurance programs before joining the FR Health Insurance Organization must complete procedures to withdraw from such insurance programs.

2. Eligibility at the FR Health Insurance Organization 〜Dependent persons〜 ● Eligibility at the FR Health Insurance Organization as dependent persons Your family members can also enroll under FR insurance as dependents (dependent family members) if they meet certain conditions and have been authorized as dependents: (i) They must depend on the income of the insured person for their livelihood. (ii) Their annual income must be less than 1.3 million yen (or less than 1.8 million yen if aged 60 or older or a person with a disability) and less than one-half the income of the insured person (if living apart from the insured person, the insured person must remit an amount on which the dependent family member can live). (iii) They must be within the third degree of consanguinity (see chart below). The number is degree of relationship Those in must live together Great-grand parents Great-grand parents ③ ③ Grand parents Grand parents ② Uncles and aunts ③ Uncles and aunts Spouse Parents Parents ① ② ② Insured person Elder brothers and sisters Younger brothers and sisters Spouse Spouse Younger brothers and sisters Elder brothers and sisters ① ① ① ③ Nephews and nieces Children Children Spouse Nephews and nieces Spouse ② ② Grand children Grand children Spouse ③ ③ Great-grand children Great-grand children Spouse ※ Since all persons aged 75 or older are covered under the medical care system for the advanced elderly, they are not eligible to be dependent family members. ※ Be sure to check the FR Health Insurance Organization’s website for details of authorization criteria, conditions, and applications. You can also check on procedures and other topics. http://www.fr-kenpo.or.jp/eng/member/02_life/202/20202.html HOME＞Subject search by life situation ＞When you get married ＞How to register a family member as a dependent (dependent certification)

3. Insurance benefits and procedures for filing claims ●Medical care benefits Received when you present your health insurance card 【Copayment rate】 Preschool───────────────20% From elementary school to 69 years of age－ 30% 70-74 years of age───────10%-30% ※Health insurance card for the elderly issued ●List of insurance benefits Employer(salary/social insurance) … Salary and social insurance teamat the head office …Dependent persons …Insured persons I D Eligible persons Where to file claims Description of system Insurance benefits Nature of benefits If you are unable to work due to sickness or injury I If you are sick or injured I D

4. Eligible persons Where to file claims Description of system Insurance benefits Nature of benefits If you are sick or injured I D If you are sick or injuredoverseas

5. Eligible persons Where to file claims Description of system Insurance benefits Nature of benefits If you have given birth I I D Death I D ※Insurance benefits expire after two years. Your right to receive health insurance benefits for a specific event expires after two years. Keep this in mind if you must claim the benefits yourself. ★See the FR Health Insurance Organization’s website for more information. http://www.fr-kenpo.or.jp/eng/member/01_info/106.html HOME＞ Introduction ＞List of insurance benefits

6. Employer(salary/social insurance) …Salary and social insurance team at the head office ●List of procedures related to health insurance cards and applicability …Insured persons …Dependent persons I D Eligible persons Where to file claims Topics covered by application forms Key points of application If you lose your health insurance card I D If you want to name a family member as a dependent D If your name has changed I D If your address has changed D If your address changes to an overseas address I D ★You can download application forms below. http://www.fr-kenpo.or.jp/eng/member/05_sinsei/index.html HOME＞Application forms

7. Cases not covered by health insurance ●Health insurance does not cover certain types of medical care. You cannot use health insurance in the following cases: ・Any treatment or therapy elected to treat simple overwork or fatigue ・Plastic surgery for cosmetic reasons ・Blemishes, birthmarks, or other cosmetic factors that do not impede work or everyday life ・Nearsightedness, farsightedness, astigmatism, squinting, or similar conditions with no prospect of recovery ・Vaccination shots or oral medicine ・Abortions performed for economic reasons ・Experimental treatments not covered by insurance ※In certain cases, health insurance may be available for use on an exceptional basis. ●Health insurance does not cover treatment for injuries sustained during work or while commuting to or from work. You may not use health insurance for injuries sustained during work or while commuting to or from work. In certain cases, such incidents may be covered by workers’ accident compensation insurance. Be sure to inform Salary and social insurance team at the head office. If you have been involved in a traffic accident (due to the actions of a third party) ●Be sure to submit a notice to the FR Health Insurance Organization Traditionally, the party responsible pays the medical costs of sickness or injury due to the actions of a third party. When the party responsible cannot be identified or in other such cases, the Health Insurance Organization may loan the funds required for medical costs on a temporary basis. In such cases, be sure to notify the Health Insurance Organization. • Actions of a third party …Injuries stemming from traffic accidents, altercations, bites from other people’s dogs, food poisoning from food eaten at a restaurant or purchased, collisions or accidents incurred while skiing, snowboarding, or other such activities, falling objects at construction sites, and so forth. ＊Proceed carefully with out-of-court settlements Choosing to settle out of court too quickly may lead to unexpected problems, including restrictions on the amount of costs you can claim.

8. Treatment by a judo therapist (osteopath, bonesetter) ●You can use health insurance for a specific range of treatments. ●You may be asked for more information about your conditions and use of insurance. ●Take care regarding the following matters: (i) Carefully check the contents of the Application for Reimbursement of Medical Expenses before signing. (ii) Obtain and retain receipts. (Treatment is eligible for medical expenses deductions on your income tax.) (iii) Get an examination from a doctor if you do not recover after visiting for extended periods. (You may have another condition.) (iv) Extended examinations, including those for other body parts or family members, are not covered. Acupuncture or moxibustion (i) Requires doctor’s consent. (ii) Costs must be paid in full and in advance. (iii) Attach your receipt and doctor’s letter of consent to the Application for Reimbursement of Medical Expenses and submit to the FR Health Insurance Organization. (iv) Get an examination from a doctor if you do not recover after visiting for extended periods.

9. Don’t forget to get your annual health checkups Annual health checkups are the first step in health management. We recommend that you schedule a checkup immediately after receiving the checkup reminder from your employer or the FR Health Insurance Organization. • You must be covered by FR Health Insurance as of the date of the checkup. • Health checkups are provided once annually. • Health checkups are subcontracted to EWEL, Inc. • Go to the FR Health Insurance website for more information on what aspects of your health checkups examine and information on the handling of personal information.

10. 0120-832-238 Open throughout the year Members are eligible for consultations on topics ranging from childcare to mental health.All content is in Japanese. ●Mental and physical health consultation ※You can also call from your mobile phone. ※In-person consultations are also available. ●Consultation website 「Online service for mental and physical health」https://www.healthy-hotline.com ●Childcare consultation mobile site 「My Baby Club」 ●Consultation from overseas (available by calling collect) http://www.fr-kenpo.or.jp/hoken/list.pdf ※Use these services with confidence; all personal information will be held in the strictest confidence. ID：06139596 ID・PASSWORD：06139596 Information about the household medicine purchasing service As part of efforts to help protect member health, we will make home medical supplies and other materials available at special prices. We encourage you to use these to keep your home prepared for various medical needs. Click on this banner from the FR Health Insurance Organization website! （http://www.fr-kenpo.or.jp/member/07_hoken/704.html） HOME＞Information about the household medicine purchasing service

11. OR If you want to take a break A range of welfare programs are available at a discount from a menu of services targeting specific life stages. These include members-only sports clubs, childcare support, and tickets for various recreational events. The service also gives members access to a range of attractive information. Start by accessing “WELBOX” on the FR Health Insurance Organization website. 《This is a welfare program provided by EWEL, Inc. in partnership with the FR Health Insurance Organization.》 You can access WELBOX starting around one month after your health insurance card arrives. All content in the linked pages in Japanese. ●How to apply from your smartphone www.smart-welbox.com • Access the log in page of website(welbox.com) from your smartphone to display the website for smartphone. • Access the mobile site (mwb.jp) from your smartphone to display the website for smartphones. （４ figures） 8051 Two kinds of way to log in Staff number ➊Log in using your membership number ➋Log in using your email address The date of your birth ( 8 figures ) ● How to apply from your mobile phone To use these services, go to the following URL or QR code to log in from your mobile phone. From you computer, access the services from the website. https://mwb.jp

12. Many services are available! Example of services LIFESUPPORT You can choose from more than 4,000 options, according to your own specific stage in life. Entertainment Fitness Special admission to fitness clubs Special admission to movie tickets Example of services Example of services KONAMI SPORTS-CLUB The usage charge （once/fiscal year） 840yen- 2,730yen CENTRAL SPORTS The usage charge (once/fiscal year） 500yen- 2,000yen 109 CINEMAS＆TOKYU CINEMAS The basic ticketcharge1,800yen ⇒1,200yen TOHO CINEMAS The basic ticket charge1,800yen ⇒ 1,300yen

13. Disney Resort and USJ Relaxation・Beauty care Special admission to recreation Special admission to massage services Example of services Example of services てもみん(TEMOMIN) The basic tickets charge1,050yen⇒Membership price 840yen 【Limited time offer】 ・Tokyo Disney Resort ・Universal Studio JAPAN Information on special (subsidized) admission tickets!! Other Skill up Book・CD・DVD Healthcare Nursing care Housing Show your FR Health Insurance Organization health insurance card at any Nippon Travel Agency branch (excluding OMC, independent agents, or special agents) to get discounts of 3–5% on travel costs. Go to the Nippon Travel Agency website (http://www.nta.co.jp/shop/) or contact NTA below to locate the nearest branch. 日本旅行 (NIPPON TRAVEL AGENCY) YAMAGUCHI branchTEL： 083-972-2211 10：00～18：00(Except for Saturday, Sunday and A public holiday) リフレッシュしたいとき（日本旅行） NIPPON TRAVEL AGENCY

14. If you leave the company or lose eligibility for the FR Health Insurance Organization (loss of eligibility) You can no longer use your FR Health Insurance Organization health insurance card once you have lost your coverage under the health insurance system because you left the company or because your contracted hours changed !! Return your health insurance card promptly on the day at the time of your departure from the company or at the time of your contract change. ※ If you have dependent family members, you must return their health insurance cards as well. ※ Those issued elderly benefits cards or a Certificate of Application of Maximum Copayment Amount must return these together with their health insurance cards. ※ If you use your health insurance card after the date you left the company or the date on which your contract changed, you will be required to repay any medical costs incurred. 【How to return】 If you leave the company Return your card by post Addressed to Salaryand social insurance team at the head office Withdrawal from health insurance due to changes in contracted hours Return your card via regular in-house mail (or by post). ●If you are no longer eligible If you begin new employment immediately. You will become an insured person under the health insurance provided by your new employer. After your retirement You will become a voluntarily continuously insured person. If you do not begin new employment immediately. You will become a member of the National Health Insurance Organization. You will become a dependent of your spouse or child. ※You must meet certain conditions to be named a dependent.

15. ＊Voluntarily continuously insured persons Those who have been insured for at least two months before loss of eligibility may continue to receive insurance benefits as voluntarily continuously insured persons for a period of two years following loss of eligibility for FR Health Insurance. (Note that you will not be eligible for Maternity Allowance or Injury and Sickness Allowance.) If you wish to become a voluntarily continuously insured person, submit the Application for Voluntarily and Continuously Insured Person Status to the FR Health Insurance Organization no later than 20 days after you lose your eligibility. If you have any dependent persons, submit the Notification of Health Insurance Dependent (Change) for Voluntarily and Continuously Insured Persons. You can check on procedures atthe FR Health Insurance Organization’s website . http://www.fr-kenpo.or.jp/eng/member/02_life/208/20803.html HOME＞Subject search by life situation ＞When you retire ＞When you wish to remain a member of our Health Insurance Organization ＊Benefits after loss of eligibility In certain cases, those who have been insured for at least one year continuously before loss of eligibility may be eligible to receive Injury and Sickness Allowances※, the Childbirth and Childcare Lump-sum Grant, Maternity Allowances※, and Funeral fees even after losing their eligibility. However, even those eligible to receive the preceding benefits will not receive any additional benefits. ※ This applies only to cases in which the individuals continue to receive benefits that they were already receiving while still employed by the company. http://www.fr-kenpo.or.jp/eng/member/02_life/208/208.html HOME ＞ Subject search by life situation ＞ When you retire＞

16. Reference FR Health Insurance Organization TEL：03-6865-0005／FAX：03-6865-0006 8：00〜17：00（Except for Saturdays and Sundays） Information about the FR Health Insurance Organization’s website The information provided includes detailed information on insurance benefits and healthcare activities, how to perform various procedures, and the latest news from the Health Insurance Organization. Use this service alongside this guide for a wealth of information useful for healthy living. http://www.fr-kenpo.or.jp/eng/index.html Introduction Provides a profile of FR Health Insurance and introduces the health insurance system. Subject search by life situation Explains the benefits available and necessary procedures for individual life situations. News &Topics Regularly features important announcements and the latest information from the FR Health Insurance Organization. Downloads Application forms You can download various notification and application forms related to health insurance and healthcare activities. Languages Click here to select the languages. (Japanese or English)

17. ◇◇Protection of personal information ◇◇ With the passage of the Act on the Protection of Personal Information in May 2003, companies and health insurance societies have been subject since April 2005 to certain requirements on their handling of personal information. FR Health Insurance Organization handles personal information based on the following concepts to protect the privacy of the individuals concerned. FR Health Insurance Organization provides services to achieve the goals specified under the Health Insurance Act: “to contribute to the stability of the public’s livelihood and to improve welfare by providing insurance benefits to employees for sickness, injury, death, due to other than job-related reasons, for childbirth, and for sickness, injury, death, or childbirth of dependents.” In addition, the Health Insurance Act also stipulates that “insurers must strive to provide the necessary services to maintain and promote the health of insured persons and their dependents, including, but not limited to, health education, health consultations, and health checkups.” In this way, FR Health Insurance Organization seeks to address costs related to sickness and injury among insured persons and their family members (“members” hereinafter) and costs related to childbirth and death, as well as living expenses when income is interrupted by sickness, injury, or childbirth. FR Health Insurance Organization also provides the services needed to maintain and promote the health of its members, including health education, health consultations, and health checkups. Personal information on members is essential in allowing FR Health Insurance Organization to provide these services to its members. FR Health Insurance Organization places the utmost emphasis on the secure storage and handling of this information and takes all necessary steps to ensure all employees involved in service activities and other related parties are thoroughly aware of confidentiality issues and practices. FR Health Insurance Organization also makes every effort to protect the privacy of its members and other individuals, keeping in mind the issues described in its basic privacy policy. ★See the FR Health Insurance Organization’s website for more information. http://www.fr-kenpo.or.jp/eng/member/10_policy/index.html HOME＞Protection of personal information March 1st, 2013