[d smartphone loan]

~Loans are also available at Docomo! “d Smartphone Loan”
■d Smartphone Loan is a smartphone-based loan service provided by Docomo.
■You can apply using your regular d Account, and preferential interest rates of up to 3.0% per annum will be applied depending on your usage of services provided by Docomo, such as your d Card and eligible Docomo line contracts (*1)
■It is also possible to borrow against your d payment balance, so you can conveniently use the d payment that you usually use (*2)
*1 Preferential interest rates will be applied to those who meet the conditions specified by Docomo. For details, please refer to the Terms of Use or the service site.
*2 If you wish to use your dPay balance, you will need to download the dPay app, register to use your dPay balance, and verify your identity. (Available only to those whose d payment balance type is "cash value".)

[Apply and contract after completing the app]
・You can apply by logging into your d account on the app and entering the necessary information.
・You can also take and upload identity verification documents using the app, so there is no need for troublesome mailing procedures.
・After completing the review, please complete contract procedures such as registering a financial institution account on the app.
*Contracts are subject to review.

[Choice of borrowing methods]
・You can choose between two borrowing methods each time: borrowing to your d payment balance or borrowing to a financial institution account (*3)
*3 Not available every day from 23:55 to 0:05 and during temporary system maintenance times.

■ Borrowing to d payment balance
・You can receive the loan amount instantly at any time, starting from 1,000 yen, in increments of 1,000 yen.

■Borrowing to a financial institution account
・You can apply for a loan in increments of 10,000 yen to 1,000 yen 24 hours a day, 365 days a year.
・Transfer to a financial institution account in as little as 10 seconds (*4)
*4 Transfer timing varies depending on the financial institution you use.

[Additional repayments at any time at your convenience]
・In addition to monthly automatic withdrawals (account transfer) from your registered financial institution account, additional repayments can be made at your convenience.
・You can choose the method of additional repayment from additional repayment from the d payment balance or transfer to the specified account (*5)
*5 Even if you make additional repayments, automatic withdrawals (account transfers) will be made.

■Additional repayment from d payment balance
・Customers using d payment balance can make additional repayments from their d payment balance at any time (*6)
・There is an upper limit to the amount that can be additionally repaid from the d payment balance.
*6 Not available every day from 23:55 to 00:05 and during temporary system maintenance times.

■Transfer to designated account
・Additional repayments can be made at any time by transferring money to the specified account.
・Transfer fees will be borne by the customer.

[Easy to understand usage information]
・You can check your usage information such as monthly withdrawal date, withdrawal amount, and loan balance at any time.

[About usage]
・Lending interest rate
Base interest rate: 3.9% to 17.9% (actual annual rate)
Interest rate after preferential treatment: 0.9% to 17.9% (actual annual rate)
・Repayment period and number of repayments
　　　　　After the final loan, the earliest is the same day, in principle, the maximum is 8 years and 1 month (1 to 96 times)
・Repayment method
Balance sliding principal and interest fixed amount revolving method

・Delay loss interest rate
20.0% (actual annual rate)
・Collateral/guarantor
Unnecessary
・Representative example of total loan cost
　　　　Loan amount: 10,000 yen
　　　　　　　　　Actual annual rate: 17.9%
Total scheduled repayment: 10,883 yen
　　　Number of repayments: 11 times
　　　　Repayment period: 11 months

・About privacy policy
　　https://loan.docomo.ne.jp/app_detail.html

NTT Docomo, Inc.
Registration number Kanto Local Finance Bureau (7) No. 01421