Announcement on the Sale of the Sunshine-Hours-Linked Coupon-Bearing Monex Bond

Monex Securities Co., Ltd. (Headquarters: Minato-ku, Tokyo; President and CEO: Yoko Seimei; hereinafter "Monex Securities") announces the launch of sales on Thursday, July 16, 2026, for a bond whose annual interest rate is determined by sunshine duration: the "Monex Finance Co., Ltd. JPY-denominated Bond with Sunshine-Referenced Coupon, Guaranteed by Monex Group Co., Ltd., Maturity on July 28, 2027" (nickname: Individual-Oriented Monex Bond Summer Festival).

The interest rate of this bond will be determined by the amount of sunshine at the observation point (Kochi City, Kochi Prefecture). Monex Securities is the only major online securities firm (※) offering a bond with an interest rate linked to sunshine duration.

Additionally, a portion of the sales commission from this bond will be allocated, through Carbon Free Consulting Co., Ltd. (Headquarters: Yokohama City, Kanagawa Prefecture; Representative Director: Takeshi Nakanishi; hereinafter "Carbon Free Consulting"), to reforestation activities aimed at expanding the "Monex no Mori (Monex Forest)" in Asuka Village, Takatori District, Nara Prefecture.

※As of July 16, 2026, based on Monex Securities' research. Major online securities firms include Mitsubishi UFJ e-Smart Securities, SBI Securities, Matsui Securities, Rakuten Securities, and Monex Securities. (Note: Matsui Securities does not offer bond products.)

Background

Since 2022, Monex Securities has offered the "JPY-denominated Bond with Sunshine-Referenced Coupon," where higher sunshine duration leads to a higher interest rate, in line with the sustainability policy of Monex Group Co., Ltd., aiming to make bond investment more accessible to individual investors.

Sunshine duration is linked to increased output from renewable energy sources such as solar power generation and CO₂ absorption through plant photosynthesis. Recognizing this as a factor promoting coexistence with the environment, it has been adopted as an interest rate benchmark.

Furthermore, in July 2025, Monex Finance Co., Ltd. issued a JPY-denominated bond, and a portion of the sales commission was used to conduct reforestation in Asuka Village, Takatori District, Nara Prefecture, in November 2025. For this bond as well, a portion of the sales commission is planned to be allocated to reforestation activities in the same region.

Overview

This bond is a JPY-denominated corporate bond issued by Monex Finance Co., Ltd., a subsidiary of Monex Securities. The interest rate will increase by 0.02% for each day during the observation period from Saturday, August 1, 2026, to Monday, August 31, 2026, when sunshine duration reaches 10 hours or more.

Features

This bond has the following features:

(1) Interest rate determined by sunshine duration

The interest rate increases with the number of days in Kochi City, Kochi Prefecture, where sunshine duration exceeds 10 hours between Saturday, August 1, 2026, and Monday, August 31, 2026.

Minimum: Annual rate of 2.05% (if no day exceeds 10 hours of sunshine)

Maximum: Annual rate of 2.67% (if all 31 days exceed 10 hours of sunshine)

Reason for selecting Kochi Prefecture

Kochi Prefecture has formulated an action plan toward achieving "carbon neutrality by 2050" and creating a virtuous cycle between the economy and the environment. It promotes local production and consumption of energy through the promotion of renewable energy by fully utilizing its abundant natural resources, making it an ideal location for this initiative.

(2) Maturity redemption amount is 100% of the face value

Since only the interest rate is determined by sunshine duration, not the principal, the redemption amount at maturity will be equal to the face value amount purchased.

Sunshine Duration over the Past 10 Years

From 2016 to 2025, over the past 10 years, the average number of days in August with sunshine duration exceeding 10 hours in Kochi was 9.0 days.

(Example) If there are 9 days with sunshine duration exceeding 10 hours, the annual interest rate will be:

2.05% + 0.02% × 9 (days) = 2.23% (pre-tax) / 1.776% (after-tax)

Reforestation Site

For details, please visit the Monex Securities website (https://info.monex.co.jp/news/2026/20260716_01.html).

Above

【Important Notes Regarding Transactions at Monex Securities】

Products offered by Monex Securities may result in principal loss or losses exceeding the principal due to price fluctuations, etc.

Before investing, please read the pre-contractual disclosure documents and the prospectus carefully.

【About Monex Securities Co., Ltd.】

Financial Instruments Business Operator: Director of the Kanto Financial Bureau (Financial Instruments) No. 165

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