Chapter V Supplementary Provisions

Article 19 (Operations Expenditures of the Committee)

19.1 The Committee shall obtain the prior consent of the Operations Committee for the annual amount of the operating expenditure for the Committee, and shall prepare the guidelines for expenditure payment and pay in accordance therewith.

19.2 The operating expenditure for the Committee shall be paid by each of the Creditor Financial Institutions according to their respective portion of the Claim Amount against a company subject to Workout that the Committee mediated a dissent thereof.

19.3 The Committee shall report to the financial institutions which are parties to this Agreement which expenditures have been approved by the Administrative Committee up to January 31 of the next fiscal year

Article 20 (Imposition of Penalty)

20.1 The Committee may impose penalties on the financial institutions breaching the agreement that separately reached by the Creditor Financial Institutions or the Committee's mediation in an amount up to 30% of Claim Amount of such financial institution or 50% of the amount in breach.

20.2 The Committee shall establish and operate the guidelines for penalty imposition and the collection methods, for the penalties imposed.

20.3 The penalty referred to in the preceding paragraph shall be income for the Creditor Financial Institutions and the dividing basis shall be determined by the Board.

Article 21 (Amendment to and Termination of Agreement)

This Agreement shall be amended or terminated upon the suggestion of the Committee and the resolution of the Administrative Committee.

Article 22 (Assignment)

The Committee may set the detailed enforcement guidelines in the form necessary for enforcement hereof.

Article 23 (Duties of Creditor Financial Institutions)

The Creditor Financial Institutions shall observe the mediation of the Committee and the provisions hereof.