6/20/2016

Banking for e-residents becomes easier

(official link to follow)

http://geenius.ee/uudis/riigikogu-vottis-vastu-seaduse-mis-lubab-pangakontot-avada-ilma-kontorisse-minemata

Summary:

Opening a bank account following an online interview through conferencing programme such as Skype will become possible shortly.  This was considered to be a large hurdle for some e-residents who lived so far away from Estonia.  Currently German banks offer similar online interview / ID check via online conference programme for its citizens residing outside EU to enable then to open a bank account in SEPA.

There is, however, a maximum monthly transaction limit imposed (refer to the link above) which may be seen by some the threshold too low. This still is a welcoming compromise for many and if this is not adequate the simplest way is to arrange a trip to beautiful Estonia.

4/30/2016

New draft legislation submitted - エストニア銀行口座開設手続きに関連した法改正案

As we clearly stated earlier, under current law, an applicant must attend a face-to-face interview / id check in order to open a bank account - until the amendment to legislation is approved by the parliament.  

以前よりお伝えしていたとうり、現行法では口座開設希望者によるエストニアの銀行支店への審査のための訪問は必須です。 今日現在の段階では未だ改正案は国会を通過していません。 例え国会承認を受けて法改訂がされても、直ちにそれが施行され、皆様がその恩恵を受けることができるかはわかりません。 場合によっては、実際の変化がみられるのは来年以降かもしれません。 エストニアに銀行口座が必要な場合はもうしばらく待ち、様子を見るか、エストニア訪問をご計画ください。

今回エストニア政府が国会に提出した法改正案によると、スカイプなどによるオンラインインタビューによる審査を可能にするそうです。これは既にドイツなどで海外在住の自国民などを対象に行なわれています。

以下のリンクはエストニア政府の正規の情報源で、当方がお伝えしていたとうり、銀行口座開設希望者による審査のためのエストニア訪問は必須となっています。 それ以外のソースからの間違った情報に惑わされないようご注意ください。 また翻訳ツールを過信しないようにしましょう。

4/22/2016

Võtame vastu avaldusi! "Japanese Government (MEXT) Scholarships for 2017"

Jaapani valitsuse (MEXT) stipendiumid 2017. aastaks

Eesti õpilastele saavad kandideerida Jaapanis õppimiseks järgmistele stipendiumitele:

    Magistriõppe stipendium         (Research Student Scholarship)
    Bakalaureuseõppe stipendium (Undergraduate Scholarship)
    Kutsekolledži stipendium        (Specialized Training College Scholarship)
    Tehnikakolledži stipendium     (College of Technology Scholarship)

Taotluse esitamise tähtaeg on kõikidel stipendiumitel: 17. JUUNI, 2016 (reede)
Kõik nõutud dokumendid peavad korrektselt täidetuna jõudma selleks kuupäevaks Jaapani saatkonda, kas otse või sihtasutuse Archimedesvahendusel.


Lisainfo ja taotlusvormid:
http://www.ee.emb-japan.go.jp/ee/scholarships.html

4/13/2016

Our views on e-residents opening a corporate account in SEPA (translated).

Dear All,

We have recently received a feedback to our recent post in regard to opening a bank account in SEPA region.  This is a caution we issued in regard to the current EU regulations applicable to the e-residents who cannot or does not wish to visit Estonia and the various proxy services offered to those.  

This is a topic which is very serious as it can undermine the integrity of EU as a single economic zone and our fight against corruption, terror, money laundering and support of the rogue nations with a poor human rights record. In the plight of our world utterly disturbed by the tax evasion scandal of the political figures and large corporations this topic may also have a severe consequence to the reputation of the Republic of Estonia if mishandled. 

While we have not named a business nor private individuals in the caution we earlier issued to the Japanese entrepreneurs - who are planning on making the most out of the e-residency scheme - this particular person who wrote us takes it as a personal attack upon him and continues to feel we are accusing him of conducting some illegal activities and actively attacking us on a social media rather than writing us a formal letter or an e-mail.  However that is not the case as you can read below.


Our current position on how we see the banking related rules for the non-residents under EU laws in response to this person’s feedback is as follows.
The text in Italic is the message received from a concerned individual (All questions are his).






- Please delete or suitably correct the post within 24 hours.

OUR RESPONSE:

We consider the amended post. However we are still waiting for the feedback from the Estonian government that we are currently comparing correct information provided by a bank, the current EU Directive  (http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=OJ:JOL_2015_141_R_0003&from=EN) and the guidelines issued by ECB.

- The market is chaotic. As you know the e-residency scheme is Estonia’s important national project. That is why I was also selected to be a member of the delegation of the visit of PM to Japan.  

OUR RESPONSE:

We certainly area ware of the importance of the project.  We also collaborate with the Estonian ministries to spread the accurate information on advantages of the e-residency.  We also form a part of FICE and negotiate with the Estonian government to amend the current laws to make Estonia more attractive place for foreign investment and startup businesses. You will soon feel the change made by our collaboration when the minimum wage for the foreign worker will drop to the par with the Estonian average.



- In this post there are errors.  Also by some of the readers may take that someone is bending the facts in order to profit.


OUR RESPONSE:

We have not published the caution by naming any specific businesses or private individuals.

We only sent out a general caution based on the current EU legislation and inquiries to the financial institutions.  If this is problematical to your business would you be requesting us to add a note stating that it is not about your service? We have received reports of three instances when someone offered name changes of the existing Estonian and EU bank accounts or proxy service to open a bank account by an agent in Japan, written in impeccable Japanese). Therefore we issued this caution to inform people. 

- Unless the post is removed or suitably corrected I shall send this post to the sworn translator and forward to the Estonian parties such as the governmental, business and academic communities. If the post is removed within 24 hours I shall remove this message from our Facebook community page.

OUR RESPONSE:

If you decide to take such an action please make sure not to forget to add the link about the current EU Directive which we sent you earlier  - http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=OJ:JOL_2015_141_R_0003&from=EN- , the link to the Estonian Ministry of Finance as well as the comments issued by the bank below in order to retain our neutrality:

The e-residency does not constitute a valid identity document in EU. The e-residency card is a tool to facilitate online services needed by the holder of the card and not an ID card.  The e-residency alone will not be adequate to open a bank account.  This is not a policy of one specific bank but the same rule is applicable at all banks.

Excerpts of our correspondence:

March 2015

Every account opening is always evaluated individually. The company, its legal representatives and owners are evaluated in terms of our customer policy (for example we do not service companies involved with weapon production) and their history of payment behavior. There are also other criteria which come from specifics of the potential customer. Under the Credit institution act and Money laundering and terrorist financing prevention act plus numerous international documents we cannot guarantee opening any accounts in advance, the decision is done only after careful evaluation.


In regards of the e-residency. We did understand e-residency then and do now. It is not a identification document. Nevertheless, currently during the process of opening a bank account in Estonia at least one face-to-face meeting with the legal representative has to be held, so holding a e-residency card (digital signature) is not enough for opening the account. Alternatively a notary can identify customers for us. E-residency card is definitely useful for signing any other agreements allowing to give signatures from distance.


Same requirements apply for all banks, but there may be differences who all these requirements are met.


No changes was made to rules and process of opening a bank account and a face-to-face interview is still required.

March 2015

Estonia wishes to get as many functionalities to e-residency card as possible. We have heard that a law amendment is being discussed, but at this moment it does not have official move (it is not in our parliament to discuss), so it is hard to give a prediction - I believe that not before the year end.


February 2016

Last time we discussed opening accounts to e-residents. I have to say there still are no actual changes regarding opening accounts as personal meeting with the new account holder is strictly required.

+++++ Bank is now focusing on serving local companies on the Estonian market and the cross-border customers of the +++++ Bank Group. We concentrate on medium-sized and large companies with more complex business needs. We have not closed our international business department, but the range of customers we will service, has changed. According to our strategy we welcome customers having actual business in Estonia.

Personal meeting with the new account holder is still required for any new customer, resident or non-resident, but the e-residency could help during the established relationship (for example digital signing of agreements). As opening of a particular new account will be decided in a customer committee, all the document copies can be collected and reviewed prior to the personal meeting, as well the decision of establishing new banking relationship can be made prior to the personal meeting. Decisions about opening the accounts are made in accordance with our new strategy.

I hope this gives you full overview of the changes we're having.

end of excerpts.

There is possibility that you may have taken this information on bank account for e-residents as a possibility to open a business account. 

We assume that you were informed by your legal team about the same subject as we clarified in the message sent to you.  There is a possibility for the e-residents to open a private account with a 2,000 Euro monthly limit that is meant to be used for payment of various fees and other small expenses prior to arrival of the e-resident to attend an interview.  This account is not meant to be used as a company account.


- We would like to continue exchanging information and establish a healthy market.


OUR RESPONSE: 

We are a not-for-profit non-commercial organisation therefore we cannot say we can assist you the way you want to profit from us. However, as we have always been, we still offer consultation service so please do not hesitate to contact us.

- There are people who are on the banks’ blacklist. When the authorisation letter issued by the client is used by the agent the bank carefully conducts a character check.
OUR RESPONSE: 

As mentioned above, there are some who are rejected as a result of background check prior to the interview. As a high credit rating at a Japan’s financial institutions may not be taken seriously here as Japan is listed as a country which does not commit to anti- terror, anti-money laundering and anti-funding of rogue nations of poor human rights record. Please consult with the information available at ECB.
 

- My consultants at a large legal firm confirmed that there is nothing illegal.

OUR RESPONSE: 

 As above, it is possible to open an e-residents’ small expenses account but not a business account without an ID check. If there is someone issuing an official statement to counter this please send us a copy.  We will request the government to conduct an investigation.

- Nobody told me that it’s best for the client to physically visit Estonia.  I already work with the Estonian government on another project. At the meeting we unanimously agreed that there is no need for the client to come to Estonia as long as there is an authorisation letter (power of attorney)
OUR RESPONSE: 

A face-to-face meeting is required. Please refer to the information above.

- These people are the delegate members when the PM and ministers visit overseas. Also the authorisation letters are issues by the large listed bank.

OUR RESPONSE: 

We also meet with the ministers.  We also notice that the importance of e-residency scheme is fading due to the other more important agenda related to the upcoming election and currently this scheme has its hands tied due to the EU ruling as described above.  The same rules apply to huge international banks and small local banks.


- My legal consultants and the large banks should already know about the EU Directive.



OUR RESPONSE: 

As mentioned above, no changes to the regulations.  Also submitting the proposals to the EU has not been successful.  Please check the past logs of Estonian news or parliament’s records.


- If so Estonia is finished as a sovereign state. Also the Swedish banks are finished. I have a confirmation from the banks that it is OK for me to work as an agent.
OUR RESPONSE: 

If you have names of companies and their owners who are e-resident holders who managed to open a bank account without visiting Estonia please let me know.

- Isn’t by requesting assistance to someone trustworthy and letting him open a corporate account the best way? It must be tricky to fly in from Japan without preparation.  If one wishes to open a corporate account there is a necessity of a guidance by the professionals. However this may be costly. One’s command of English is questioned and I understand that coming with a translator is not permitted - in fact I was informed by the senior bank manager that no translator can be present during the interview.  Even when an EU citizen who can speak English fluently was rejected at the counter.  We summoned the managers from three banks and had a discussion about it.

OUR RESPONSE: 

Such debate has been on for a long time already.  Yet there is no concrete outcome. Estonia being an EU member state and also being a member of ECB there is no exception.  Opening of a corporate account is based on thorough background check of the owner and there maybe a possibility of bringing a sworn translator if the owner is considered incapable of comprehending and agreeing the conditions on the contract the application is rejected.

The e-residency scheme was designed so that anyone can simply apply for it with a minimum amount of paperwork.  If one requires full support from the start to the establishment of a business perhaps the person concerned won’t be able to operate the business or day-to-day banking adequately. 
We offer assistant services to those who fully understood the system yet not enough time at hand to manage all necessary tasks. We introduce the specialists in the necessary field to facilitate the process and make the short visit to Estonia a worthwhile.  We also do not operate as a commercial entity that we remain not-for-profit. We strive to make Estonia a more attractive place for foreign investment and starting up businesses with a partnership with the foreign chambers of commerce.

- That’s all.


OUR RESPONSE: 

As mentioned above we merely stated our general understanding of the current EU laws and the statements of the financial institutions.  We are not targeting or naming any specific businesses or private individuals.  If you are confident and completely in control of the services you offer then you have no need to threaten this way.  If you still have any doubts you can simply request the official statements to the appropriate institutions on their understandings. If you are still not completely sure of the legal situation surrounding the opening of a corporate bank account by the e-residents without attending an ID check this is not be beneficial to both the clients and yourself.  As an established business if you receive a question or comment from others you can simply take that into account and conduct  search to find the right information from the right parties. Simply extracting the words, sentences and paragraphs which is advantageous to you and rejecting anything else is rather immature reaction and best avoided.

We wish you a big success in the future.


----------------------------------

We do not make rules nor accuse a particular business or individual. However if one feels accused of malpractice and threatens us to change our views we will resist.  We do not provide any forms of legal advice using our names and we consult the appropriately qualified legal advisors.  The above is for information only. The most current laws you must consult with the appropriate European Institutions.

The above is an expression of our current understandings based on the information we have gathered with the utmost care. In the case some of the items are out of date or inaccurate we stand corrected.  Please feel free to contact us for any items you wish to discuss with us.  Our e-mail is here.

前回のポストへメッセージいただきました。Our view on opening a bank account in SEPA.

XXXX様より下記の文面がXXXX様の会社の活動に影響するとのご指摘と、削除または修正要請をいただいたので以下のように対応させていただきます。(斜体がXXXX様の文章です)。


- 本 投稿を24時間以内に削除または適正な修正をください。

修正案を検討中です。現在エストニア政府の返事待ちですので、現在あるのはこれまでの銀行からの正確な情報と先に送らさせていただきましたEU法 (http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=OJ:JOL_2015_141_R_0003&from=EN) の確認、ECBによる口座(業務用となるので日本語では当座ですね)の開設ガイドラインの確認をしています。


- 市場に混乱を招いています。ご存知のようにe-residencyはエストニア国家の重要プロジェ クトです。だからこそ4/5-4/10エストニア・ロイヴァス首相の日本経済外交ミッションで私もメンバーに選出されています。

もちろん承知していますし、当方もエストニア政府の省庁と協力してe-residencyの正確な情報をを広める努力をしています。昨年からのFICEとエストニア政府との意見交換の結果一部法改正をすすめる事にも成功しており、エストニアを海外投資家や起業家にとって魅力のある市場にする為の努力をしております。XXXX様にもすぐにこの影響が感じられるのは、外国人労働者の最低賃金の引き下げなどです。


- この投稿には間違いが含まれております。また、この投稿を読む人によっては「稼ぐために情報を捻じ曲げてい る」ようにも取れてしまいます。

当方では特定企業や個人を名指しでの注意喚起など一切しておりません。

当方では金融機関への問い合わせと現行法と照らし合わせて後に確認された内容で、一般向けの注意事項として公開しています。もしこれが貴社にとって問題ありという内容ととられるのでしたら、貴社のサービスに関してではありませんとの追加文章をつけて欲しいという依頼でしょうか。これまで3件のe-residency関連サービスの問い合わせで口座名義切り替えサービスと、口座開設代行サービスを提供している者が日本国内(正確な日本語でした)にいるのを確認した故に注意喚起を出したまでです。


- 24時間以内に削除・適正な修正がなされない場合、本文を宣誓翻訳者に翻訳依頼し、エストニア関係者(政府、ビジネス、学 術・・・)に情報シェアいたします。24時間以内に削除・適正な修正がされた場合、本コミュニティーページから関連情報は削除いたします。

もしもそのような行動をとるのであれば、当方の中立性を保証する目的で、前回送らさせていただいたEU現行法へのリンク http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=OJ:JOL_2015_141_R_0003&from=EN と、エストニア財務省のサイトへのリンク、以下の文章を金融機関のコメントしての追加を必ずお願いいたします。

1) e-residencyはEUで通用する本人確認用の書類ではないという点。e-residencyのカードはe-residency所有者向けのオンラインサービスを使う為のもので、身分証ではない。e-residencyだけでは現行法では銀行口座開設には不十分である。これは特 定の銀行の意見や方針でなくて全銀行でそうなっている。

March 2015

Every account opening is always evaluated individually. The company, its legal representatives and owners are evaluated in terms of our customer policy (for example we do not service companies involved with weapon production) and their history of payment behavior. There are also other criteria which come from specifics of the potential customer. Under the Credit institution act and Money laundering and terrorist financing prevention act plus numerous international documents we cannot guarantee opening any accounts in advance, the decision is done only after careful evaluation.

In regards of the e-residency. We did understand e-residency then and do now. It is not a identification document. Nevertheless, currently during the process of opening a bank account in Estonia at least one face-to-face meeting with the legal representative has to be held, so holding a e-residency card (digital signature) is not enough for opening the account. Alternatively a notary can identify customers for us. E-residency card is definitely useful for signing any other agreements allowing to give signatures from distance.

Same requirements apply for all banks, but there may be differences who all these requirements are met.


2) 昨年末迄のエストニア国会でe-residency関連の口座開設手続き変更の法案は通らず変化無し(面接が必要)という点。

March 2015

Estonia wishes to get as many functionalities to e-residency card as possible. We have heard that a law amendment is being discussed, but at this moment it does not have official move (it is not in our parliament to discuss), so it is hard to give a prediction - I believe that not before the year end.

February 2016

Last time we discussed opening accounts to e-residents. I have to say there still are no actual changes regarding opening accounts as personal meeting with the new account holder is strictly required.

+++++ Bank is now focusing on serving local companies on the Estonian market and the cross-border customers of the +++++ Bank Group. We concentrate on medium-sized and large companies with more complex business needs. We have not closed our international business department, but the range of customers we will service, has changed. According to our strategy we welcome customers having actual business in Estonia.

Personal meeting with the new account holder is still required for any new customer, resident or non-resident, but the e-residency could help during the established relationship (for example digital signing of agreements). As opening of a particular new account will be decided in a customer committee, all the document copies can be collected and reviewed prior to the personal meeting, as well the decision of establishing new banking relationship can be made prior to the personal meeting. Decisions about opening the accounts are made in accordance with our new strategy.

I hope this gives you full overview of the changes we're having.


3)但し、貴社で勘違い(?)されている点を指摘させていただきます。

恐らく貴社の弁護士が貴社に伝えた内容と同様判断しますが、当方の国際ビジネス法律専門家によると以下の事は一応は可能です。これは前回FBメールで指摘したように2000ユーロの制限付きの、初期の様々な諸経費支払いを専用の個人口座であって一部の者が宣伝しているような起業家向けの、経済活動可能な企業登録としてのいわゆる当座ではない。


- 日本エストニア商工会議所様と意見交換し、健全な市場を構築していきたいと思っております。

当方はビジネスとして運営している団体ではございませんので、どのような形での協力といったお話ができるかわかりませんが、以前から申しているようにいつでもご相談下さい。


- 銀行から事実上の出入り禁止になった人物(「素人」で委任状で口座開設しようとした)もございます。委任状を利用する場合、銀行側は人を選んで意思決定しているように感じます。

上記の銀行の文面のとうりです。面接前の書類審査で弾かれる人も多々います。日本の金融機関での評価はEUではまともに取り合ってくれません。これは日本という国のテロ、人権侵害国家への支援とマネーロンダリングについての対策と罰則規定が不十分とされているからです。ECBのサイトを参考にして下さい。


- 私 はエストニアの大手コンサルファーム、優れた専門リーガルファームに何度も本件にいて確認をしています。彼らは「法的に全く問題がない」と言っています。

上記のように限定的個人口座は一部機関で開設できます。ビジネス口座(当座)はできません。もし問題ないとの正式な文面を発行しているようでしたら当方へコピーをメールして下さい。政府機関の意見を仰ぎます。


- また「本人が現地に来るのが一番確実」という発言を一度も聞いたことがありません。私は彼らとエストニア投資庁と別プロジェクトを立ち上げています。その 際、全会一致で「法人銀行口座開設は委任状でOK(現地訪問必要はなし)」です。

面接は必須です。上記の文面のとうりです。


- 彼らはエストニアの大統領・首相・大臣クラスが外国訪問する際、帯同する ような人物です(安倍首相に面会した人物もおります)。また、その委任状を許可しているのは上場大手銀行です。

当方も大臣クラスとの会合に参加しております。また次の選挙へ向けての重要事項が増えている今日、EU法の下に位置するエストニア法だけでは上手く機能しないe-residence制度の考え方も変化が見らます。大手銀行でも地方金庫でも法律は同じです。


- OOOO様が一昨日、私にFBメッセージいただ いたEU Directives について、弁護士・銀行はそれを熟知した上で処理しているはずです。

上記のように昨年末に期待されていた法制度の改変はなく、またEUへの口座開設に関しての条件の変更の申し出も空振りに終っています。エストニアのニュースや国会議事録などの過去ログでご確認ください。


- もしそうでなければ国家として終わりです。またスウェーデン系銀行も終わりです。ご存 知のようにエストニアの銀行取引の約92%はスウェーデン系銀行が行っています。彼らからアドバイスを得るにはそれなりのFeeもかかります。私は彼らか ら「キミが代行しても問題ない」と言われています。私の現地競合(エストニア人企業)も同じように活動しています。OOOO様が相談されている弁護士事務所を ご教授頂けないでしょうか。

これまでに本人の面接無しで、代行業者のサービスを利用して企業口座(当座)開設に成功したe-residency所有者がいたらご紹介下さい。


- 3.本人による現地開設
最も速く・安く・確実 に法人口座開設する方法は「信頼できる人物に委任する」ではないでしょうか。いきなり日本から現地に飛んでもいろいろとハードルがございます。確実に開設 しようとすれば「プロフェッショナル」による指導が必要になりますが、旅費を含めると非常にコストが上がってしまいます。英語能力も問われます。通訳帯同 は不可だと認識しております(具体的に一行の顧客担当シニアマネージャーからは「本人のみ。通訳不可」と念を押されています)。英語な流暢なEU人が窓口 で口座開設を却下されたケースも起きています。e-residency会議 by エストニア政府 では大手銀行3社担当者を呼び出してオープンな議論がされました。

議論はずっと以前からされています。結果が出ていません。エストニアはEU 加盟国でECBメンバーですので、特例は認められていません。欧州金融機関は口座開設希望者についてのバックグラウンドチェックを必須としており、言語ができても書類審査で弾かれる者がいるのは当然です。言語が殆どダメも通訳をかませるのは一応は可能ですが最終的には書類にサインをしなければならないので、契約書の内容を把握したとの証明が不可能な場合は拒否されます。

本来ならe-residency制度は最小限度の書類で自分でやれるDIY起業家支援制度なので、指導が必要となるような方々が運営していくのは厳しいかと思います。当方としては、内容を把握したものの時間的に厳しい方々による短期訪問とその際にほぼ全ての現地手続きをサポートするという形を提案しています。また当方は非営利団体ですのでビジネスとしては活動しておらず、FICEと共にエストニアを海外投資家や起業家にとって魅力のある場所にする為に尽力しています。


- 以上になります。

上記のように当方としては個人や特定企業を指摘した訳ではなく一般論としての現行法と金融機関の立場を繰り返し説明しているだけです。よって今回頂いたようなご忠告は心外です。貴社でのサービス内容の全てに自信があるならばこのような行為は一切不要かと思います。未だ不明な点があるのならば、担当省庁や機関から正式な文面を頂いてから公開するなりの努力が必要かと思います。もしもそのようなものが揃わないうちに、ワザとでないにしろ、誰かから聞いただけの内容で、サービスを提供すると公言することは顧客にとっても、貴社にとっても利益になりません。企業としては様々な方面から指摘や問い合わせを受けた場合、再調査や再確認などして、その内容を元に真摯に対応するのが通常と思われます。聞きたい内容だけ都合よく解釈しそれ以外は反論するというのは大人げないと思います。


それではこれからのご活躍期待しています。

3/08/2016

+ ID (プラス アイディー)が日本の代理店を探しています。



エストニアのオフィス向けステーショナリーデザイン企業の+ ID (プラス アイディー)社が日本で輸入販売に関心のある企業を探しています。

世界最軽量で各種現行チップタイプカードを読み書きできる、コンパクトなパソコン周辺機器として数年前の発売以来、個人向けにネットショップ上での販売と主に欧州諸国で政府機関向けの大口取引をしており、エストニア政府各省庁で正式採用されています。

日本のマイナンバーカードにも対応しており、マイナンバー制度が認知されるに従い需要が伸びると考えられる商品です。

こちらが企業サイトとなっております。

お問い合わせはこちらのメールまで日本語で当方までお気軽にお寄せください。