1.Registration Although JGA operates on a membership fee is required. In order to join,members pay only a 10,000yen registration-processing fee. The membership period is five years. Every type of support and service begins upon registration. A membership card will be issued those members who so desire. 2.Servis With over one hundred different nationalities,the divergence and variety of requests that JGA responds to make it difficult to explain our services in one word.Here is an introduction to some of the things that our members have requested: Requiring a housing guarantor, an office contract and a certificate of balance, obtaining a work visa, establishing a company, obtaining unpaid wages from a company, purchasing inexpensive real estate, obtaining a car loan, help in obtaining sufficient capital for establishing a company, etc. JGA receives requests for all types of situations that come with living in Japan. The staff at JGA exerts its fullest energies, trying hard to resolve the requests that it receives.Members should feel free to consult about any questions or problems they may have. 3.JGA JGA is involved in the business of credit guarantees , and manages two organizations,Bellwood Clubfor foreigners, and a mutual guarantor assistance club for Japanese. Although it surprises many of our foreign members, searching for a guarantor is also a headache for Japanese as well.Especially in Tokyo where many Japanese are living by themselves, away from their parents, when they sigs an apartment lease contract or begin work, a guarantor is always required .Also when they make a credit application from a financial institution.Since thes is a serious problem even for Japanese, it is easy to understand that this problem is the biggest barrier for foreigners. JGA provides guarantors for both Japanese and oreigners at the same fee, thereby giving various kinds of assistance to all of its members. 4.Additienal Services Although JGA provides Japanese guarantors, most foreigners have given up in their search for an apartment without concluding a lease contract with a real estate agency before presenting themselves at JGA. This is due to the harsh response of Japanese real estate agencies.In addition, the fee for a deposit, key money, real estate agency's processing fee, prepayment of the rent, fire and damage insurance, etc.shocks many people.In general, a sum equal to six times the monthly rent is required when the lease contract is concluded.In the instance of concluding a lease contract for an apartment with a monthly rent of 100,000 yen, more than 600,000 yen would be needed. Here is the explanation for why a sum six times the monthly rent is needed. In Japan, the monthly rent is used as the basis for the key money which is two months' rent; the real estate agency's processing fee is one months' rent plus consumption tax; and one month's rent should be prepaid - this totals six months's rent.Adding to it, fire and damage insurance or about 20,000 yen, and in the case of a contract concluded after the 15th of the month, the rent on the prorated daily basis as well as prepayment for the following month are required. Although recently apartments have appeared requiring only a small key money payment, this is ultimately a disconunt for inconvenient or unpopular locations; and in the central Kansai area, it is almost always necessary to prepare three to ten months' rent for another deposit money for security. The amount of the deposet for security depends on owner's consideration. Bellwood Club will negotiate with the real estate agency for the amount of key money and rent, and will act as a representative in the contract at no charge. The guarantor charge which is the same sa that for Japanese members, is one month's rent for each 12 -month period for providing a guarantor. 5.Services Fees Please refer to the separate price sheet which shows the major service and fees.

PRICEESHEET

6.Cancellatien of a request JGA immediately begins action on requests from the members, and exerts the utmost efforts until reaching conclusion on the request. However, in the event that a member cancels his request, JGA still charges the entire fee. The basic price structure is made up fo a starting payment and remuneration for successful completion of the request. The starting payment will not be refunded, and the remuneration for successful completion will be paid upon successfully concluding the request. However, in the event that the member unilaterally cancels, he will be billed for all expenses incurred up to that point. If this sum exceeds the amount of the starting payment, he will be billed for the remaining amount. 7.Renewal The guarantee for a guarantor should be renewed every two years. Renewal is possible at 50% of the original contract. However, if the renewal period has expired, this discount will not be applied.