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1 As of November 14, 2014 Product Description of Foreign Currency Deposits to be confirmed prior to concluding the Customer Agreement on Foreign Currency Savings Deposit for PowerFlex Account (This is the document to be delivered based on the laws and ordinances before concluding the forementioned Agreement, and doubles as the product description of foreign currency deposits, etc.) Please read this document carefully. Characteristic of Foreign Currency Savings Deposit for PowerFlex Account: This deposit is a foreign currency savings deposit. Foreign currency savings deposit is defined as a deposit in foreign currency (currencies other than yen) whose term or maturity is not specified. For deposit currency, there is a choice among US dollar, Euro, Australian dollar, New Zealand dollar, and other currencies designated by Shinsei Bank (hereinafter referred to as the Bank ). No foreign currency cash is available for both deposit and withdrawal. Matters to be noted: Foreign currency deposits entail the risk of foreign exchange rate fluctuation. When a customer places a deposit by exchanging yen into a foreign currency, the customer may incur exchange losses - in terms of yen - depending on the trends in the foreign exchange market, with the result that the funds to be repaid - when translated into yen using the exchange rate as of the repayment date - would be smaller than the yen amount initially deposited. When a customer places a deposit in a foreign currency, and converts the deposit into another currency eligible for a direct non-jpy cross currency exchange, the customer may suffer exchange losses - in terms of the initially deposited currency - depending on the trends in the foreign exchange market, with the result that the funds to be repaid - when translated into the initially deposited currency using the exchange rate as of the repayment date - would be smaller than the initially-deposited-currency amount initially deposited. Fees and charges: When you start a foreign currency deposit in yen, the Bank-designated telegraphic transfer selling rate (TTS rate) which includes foreign exchange fee will apply to exchange a yen original investment to a foreign currency deposit principal. Then, the Bank-designated telegraphic transfer buying rate (TTB rate) which includes foreign exchange fee will apply to exchange withdrawal or interest amount from a foreign currency to yen. Therefore, there is a risk of principal less than your original investment even if foreign exchange rates do not fluctuate. A customer is allowed to switch a foreign currency deposited with a foreign currency savings account to another foreign currency, however, provided that those foreign currencies shall be currencies eligible for a direct non-jpy cross currency exchange. The Bank-designated foreign exchange rate which includes foreign exchange fee will apply when switching a currency. Therefore, there is a risk of principal less than your original investment. Foreign exchange fee depends on a pair of currencies. For details, please refer to the aftermentioned Fees and Charges relating to Foreign Currency Deposits. Risk of principal less than your original investment due to exchange rate fluctuation: When a customer places a deposit by exchanging yen into a foreign currency, the customer may incur exchange losses - in terms of yen - depending on the trends in the foreign exchange market, with the result that the funds to be repaid - when translated into yen using the exchange rate as of the repayment date - would be smaller than the yen amount initially deposited. When a customer places a deposit in a foreign currency, and converts the deposit into another currency (provided, however, that such currency is limited to those handled by the Bank), the customer may suffer exchange losses - in terms of the initially deposited currency - depending on the trends in the foreign exchange market, with the result that the funds to be repaid - when translated into the initially deposited currency using the exchange rate as of the repayment date - would be smaller than the initially-deposited-currency amount initially deposited. 1/ E.14.11
2 Bank Name: Shinsei Bank, Limited Address: 4-3, Nihonbashi-muromachi 2-chome, Chuo-ku, Tokyo Product description: Please read carefully and understand fully the following before your application 1. Product name PowerFlex Foreign Currency Savings Deposit 2. Product outline Foreign currency deposit (other than yen currency) without term or maturity 3. Eligibility Individual customers with PowerFlex account 4. Term No term designated 5. Deposit method, Currency, Minimum deposit amount, Unit 1) Deposit will be made anytime in the manner described below or in such a manner as designated by the Bank. A foreign currency which is exchanged from a PowerFlex yen savings deposit is remitted to a PowerFlex foreign currency savings deposit in the same currency. A currency of a PowerFlex foreign currency savings deposit is exchanged and remitted into a PowerFlex another foreign currency savings deposit, which is eligible for a direct non-jpy cross currency exchange. A currency of a PowerFlex foreign currency deposit is remitted into a PowerFlex foreign currency savings deposit in the same foreign currency. Inward fund transfer in a currency eligible for a direct non-jpy cross currency exchange is settled to remit into a PowerFlex foreign currency savings deposit in the same currency. Some currencies are unavailable for deposits through inward fund transfer. 2) Currency eligible for foreign currency savings deposit: United States dollar (USD), Euro (EUR), Canadian dollar (CAD), Great Britain pound (GBP), Australian dollar (AUD), New Zealand dollar (NZD), Hong Kong dollar (HKD), Singapore dollar (SGD) and other currencies designated by the Bank. Please confirm the available currencies on the Bank website at by the call center, Shinsei PowerCall, on , or at the Bank counter. 3) Currency eligible for a direct non-jpy cross currency exchange transactions: USD, EUR, CAD, GBP, AUD, and NZD 4) Minimum deposit amount At least 1 fractional currency 5) Unit of deposit Unit of 1 fractional currency 6. Withdrawal method Withdrawal will be made anytime in the manner described below or in such a manner as designated by the Bank. A withdrawal currency is exchanged to yen and remitted to a PowerFlex yen savings account. (After the remittance, fund transfer and cash withdrawal are available in yen.) A withdrawal currency eligible for a direct non-jpy cross currency exchange is exchanged into another foreign currency eligible for a direct non-jpy cross currency exchange and remitted to a PowerFlex foreign currency savings deposit in the same currency. A withdrawal currency is remitted into a PowerFlex foreign currency deposit in the same currency, or remitted to purchase an investment trust in the same currency. A withdrawal currency is transferred or paid by check in the same currency. However, some currencies are unavailable for withdrawals through fund transfer or by check. 7. Interest 1) Applicable interest rate Variable interest rates which are posted daily at the Bank counters will apply. Variable interest rates quoted by 4 layers of final account balance on the end of every day will apply. (There may be the case where the same interest rate will apply for some or all layers.) From 1 fractional currency to less than 10,000 basic currency units From 10,000 basic currency units to less than 30,000 basic currency units From 30,000 basic currency units to less than 100,000 basic currency units 100,000 basic currency units or more For accurate interest rates, please contact the call center, Shinsei PowerCall, or the Bank counter. 2) Frequency of interest payment and Payment method of interest Interest shall be credited to a foreign currency savings account with the Bank designated date of every month. For specific date of interest payment, please contact the call center, Shinsei PowerCall, or the Bank counter. 3) Calculation method The interest unit shall be 1 fractional currency unit. The interest shall be calculated daily for the final account balance on a pro-rata basis based on a year of 365 days. The fractional figure shall be rounded off. 8. Foreign-exchange rate fluctuation to be When a customer places a deposit by exchanging yen into a foreign currency, the customer may incur exchange losses - in terms of yen - depending on the trends in the foreign exchange market, 2/ E.14.11
3 noted 9. Exchange fee and exchange rate with the result that the funds to be repaid - when translated into yen using the exchange rate as of the repayment date - would be smaller than the yen amount initially deposited. When a customer places a deposit in a foreign currency, and converts the deposit into another currency (provided, however, that such currency is limited to those handled by the Bank), the customer may suffer exchange losses - in terms of the initially deposited currency - depending on the trends in the foreign exchange market, with the result that the funds to be repaid - when translated into the initially deposited currency using the exchange rate as of the repayment date - would be smaller than the initially-deposited-currency amount initially deposited. When you start a foreign currency deposit with yen, the Bank-designated telegraphic transfer selling rate (TTS rate) which includes foreign exchange fee will apply to exchange a yen original investment to a foreign currency deposit principal. Then, the Bank-designated telegraphic transfer buying rate (TTB rate) which includes foreign exchange fee will apply to exchange withdrawal or interest amount from foreign currency to yen. Therefore, there is a risk of principal less than your original investment even if foreign exchange rates do not fluctuate. Foreign currency deposited with a foreign currency savings account can be exchanged to another foreign currency which is eligible for a direct non-jpy cross currency exchange. The Bank-designated foreign exchange rate which includes foreign exchange fee will apply when switching a currency eligible for a direct non-jpy cross currency exchange to another currency eligible for a direct non-jpy cross currency exchange. Therefore, there is a risk of principal less than your original investment even if foreign exchange rates do not fluctuate. Foreign exchange fee depends on a pair of currencies. For details, please refer to the after-mentioned Fees and Charges relating to Foreign Currency Deposits, or contact the call center, Shinsei PowerCall or the Bank counter. 10. Other fees Depending on deposit method and withdrawal method, other fees may be charged. For details, please refer to the after-mentioned Fees and Charges relating to Foreign Currency Deposits, or please contact the call center, Shinsei PowerCall, or the Bank counter. 11. Foreign exchange forward contracts 12. Overdraft service 13. Special contracts to be added 14. Tax Interest is subject to % withholding tax (national tax % and local tax 5%) Foreign exchange gain is subject to aggregate taxation as miscellaneous income by filing an individual income tax return. Foreign exchange loss is deductible from miscellaneous income. Maru-yu (Tax exempt treatment on interest of small-size savings of certain people): For more details, please consult a certified public accountant or a certified tax accountant on your own. 15. Deposit insurance Not covered by deposit insurance 16. Designated dispute resolution body 17. Certified investor-protection association In case of trouble at financial transactions, dispute resolution organizations which are certified by the Financial Alternative Dispute Resolution System provides a resolution support framework for handling consumers' complaints and resolving disputes. Financial Alternative Dispute Resolution System is the system to settle disputes outside the court. Neutral mediators work for dispute parties to settle without judicial procedures. Japanese Bankers Association Contact: Consumer Relations Office Phone numbers: , Others There are some limitations in services of foreign currency deposit and withdrawal. For details, please refer to the Fees and Charges relating to Foreign Currency Deposits. 19. Contact Please visit our branch or call to our call center, Shinsei PowerCall, toll-free at / E.14.11
4 Fees and Charges relating to Foreign Currency Deposit (1) Deposit / Withdrawal method and fees Deposit Deposit method Fees Deposits of yen in cash Yen cash is not acceptable. Yen cash will be deposited to a PowerFlex yen savings Remittance from PowerFlex yen savings deposit Deposits of foreign currency in cash, of traveler s checks, or of checks Remittance from PowerFlex another foreign currency deposit Remittance from the PowerFlex foreign currency deposits with the same currency Deposit of a foreign currency you have received by fund transfer Withdrawal Withdrawal method Withdrawals of yen in cash Remittance to yen savings deposit Withdrawals of foreign currency in cash or of traveler s checks Withdrawals of foreign currency check Remittance to a PowerFlex another foreign currency deposit Remittance to a PowerFlex foreign currency deposit in the same currency Remittance to purchase an investment trust in the same foreign currency Fund transfer in foreign currency 1 Overseas transfer 2 Domestic transfer account to be remitted to a PowerFlex foreign currency savings account. The Bank-designated telegraphic transfer selling rate (TTS rate) which includes foreign exchange fee will apply when exchanging yen to foreign currency. Refer to (2) Foreign exchange fee in this document, for foreign exchange fees which are included in TTS rate. Currency is limited to currencies eligible for a direct non-jpy cross currency exchange. The Bank-designated foreign exchange rate which includes foreign exchange fee will apply when exchanging foreign currency to another foreign currency. Refer to (2) Foreign exchange fee in this document, for foreign exchange fees which are included in foreign exchange rate. No fees and charges No fees and charges Fees The Bank-designated telegraphic transfer buying rate (TTB rate) which includes foreign exchange fee will apply when exchanging foreign currency to yen. See (2) in the bottom of this page, for foreign exchange fees which are included in TTB rate. Issuance fee of 4,000 yen However, some currencies are unavailable for withdrawals by check. Currency is limited to currencies eligible for a direct non-jpy cross currency exchange. The Bank-designated foreign exchange rate which includes foreign exchange fee will apply when exchanging foreign currency to another foreign currency. See (2) in the bottom of this page, for foreign exchange fees which are included in foreign exchange rate. No fees and charges No fees and charges (Investment trust sales fee will be separately charged.) Fees and charges are as follows. 1 Overseas fund transfer fee: 4,000 yen 2 Domestic fund transfer fee: 4,000 yen However, some currencies are unavailable for withdrawals through fund transfer. (2) Foreign exchange fee Exchange between Japanese yen and foreign currency Maximum exchange fees for converting each currency are as follows; 5 yen per 1 U.S. dollar, 5 yen per 1 Euro, 5 yen per 1 Australian dollar, 5 yen per 1 New Zealand dollar, 5 yen per 1 Canadian dollar, 5.5 yen per Great Britain Pound, and 5.5 yen per 1 currency unit of other currencies. When converting currency at the time of deposit or withdrawal, please confirm the Bank-designated telegraphic transfer selling rate (TTS rate) or the Bank-designated telegraphic transfer buying rate (TTB rate) which includes foreign exchange fee. 4/ E.14.11
5 Exchange between currencies eligible for a direct non-jpy cross currency exchange Currency pair Exchange fee per transaction EUR GBP 1 EUR 0.01 GBP EUR AUD 1 EUR 0.02 AUD EUR NZD 1 EUR 0.02 NZD EUR USD 1 EUR 0.01 USD EUR CAD 1 EUR 0.02 CAD GBP AUD 1 GBP 0.02 AUD GBP NZD 1 GBP 0.02 NZD GBP USD 1 GBP 0.02 USD GBP CAD 1 GBP 0.02 CAD AUD NZD 1 AUD 0.01 NZD AUD USD 1 AUD 0.01 USD AUD CAD 1 AUD 0.01 CAD NZD USD 1 NZD 0.01 USD NZD CAD 1 NZD 0.01 CAD USD CAD 1 USD 0.01 CAD - Fees mentioned above are the upper limit on foreign exchange fees. Lower amount of fees may be quoted and applied. - The maximum amount of fees mentioned above will apply in case of rapid movement of foreign exchange market or in case of sharp increase in the number of currency exchange order in market closed day such as weekend. Foreign exchange fees different from ones mentioned above will apply due to campaign, program etc. the Bank offers, but will not exceed the level of foreign exchange fees mentioned above. Customers are advised to confirm foreign exchange fees and TTS or TTB rate being applied when engaging in foreign exchange transactions. - Foreign exchange fees and charges are subject to change. - Consumption tax is not levied on the fees and charges above. The English translation used in the product descriptions are intended solely for customer convenience, and shall be used as for reference only. Should there be any discrepancy between the Japanese and the English text, the Japanese text shall take precedence. 5/ E.14.11
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