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## 10. Lease transactions 

Assets used under finance leases other than the ones that transfer ownership to the lessee at the end of the lease term, which started before March 31, 2008, are accounted for in the same manner as ordinary rental transactions. Certain information concerning such non-capitalized finance leases and operating leases at March 31, 2012 and 2011 are summarized as follows: 

<img src='content_image/269566.jpg'>

<img src='content_image/269565.jpg'>

## 11. Payables to customers and counterparties 

Payables to customers and counterparties at March 31, 2012 and 2011 consisted of the following: 

<img src='content_image/269564.jpg'>

## 12. Long-term debt 

As is customary in Japan, in the case of unsecured bank borrowings, security must be given under certain conditions if requested by a lending bank. The bank has the right to offset cash deposited by the borrower against any debt or obligation that becomes due, and in the case of default and certain other specified events, against all debts payable to the bank. Such request has never been made and such right has never been exercised. 

The weighted average interest rate on total outstanding short-term borrowings principally from banks at March 31, 2012 and 2011 was 0.21% and 0.16%, respectively. 

