Services at our branches are mainly provided in Japanese. Some branches have English speaking staff, but they may not always be available. If you have concerns about communication, we recommend visiting a branch with someone who can understand Japanese. We appreciate your understanding. Some of our financial products are subject to risk, including possible loss of the principal amount invested. Before purchasing any of our financial products please ensure you carefully read and understand the relevant product description in Japanese. The product description provides details of the risks, fees, and charges etc. that each product entails.