4.Bank has provided an option for speed processing so if you urgently need money within 7 business days we can sent the fund that you requested manually. This method is really limited and out of negotiated price contract with the bank, the bank fee is high 5% because we have to convert JPY into an other currency (That we cannot choose, the currency depends on your country and only one currency is possible by country) then it takes 5 business days to get the money.
IMO, this statement cements the theory that they don't have the USD holdings to cover withdrawals. If it's an expediency fee, then why do they state it's for currency exchange?