New Age. New Stage. Shinsei Step Up Program

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1 New Age. New Stage. Shinsei Step Up Program Customers will qualify for one of three stages that are offered depending upon transaction levels, with exclusive benefits offered for customers at higher stages. Internet Telephone ( 24 hours a day, 7 days a week ) Branch Open until 5 p.m. weekdays Business hours can differ by branch.

2 Services for each stage The three stages of "Shinsei Platinum," "Shinsei Gold," and "Shinsei Standard" are available to customers, each offering a range of different, exclusive benefits. In addition to standard services such as free withdrawals at partner ATMs, customers can enjoy stage exclusive benefits such as additional free online bank transfers and higher yen savings deposit interest yields in higher stages. Preferential services for eligible customers Favorable services compared to Shinsei Gold/Standard Shinsei Platinum Better interest rates Yen savings PowerYokin Foreign currency savings Foreign currency time Additional services for eligible customers Discount fees Preferential treatment on housing loans Other preferential treatment Discount on forex Discount for fund transfers exceeding 10 free fund transfers per month (from 308 to 103, tax inclusive) 30,000 off the handling charge* Priority processing Free domestic online fund transfers to other banks up to 10 times per month Free overseas remittance once per month** Exclusive call center Access to Platinum Center Subscription to Platinum mail magazine*** Invitation to seminars*** Free parking service when visiting a Shinsei branch Better interest rates Discount fees Preferential treatment on housing loans Other preferential treatment Shinsei Gold Yen savings PowerYokin Foreign currency savings Foreign currency time Discount on forex Discount for fund transfers exceeding 5 free fund transfers per month (from 308 to 206, tax inclusive) 15,000 off the handling charge* Free domestic online fund transfers to other banks up to 5 times per month Shinsei Standard Free domestic online fund transfers to other banks once per month Common Services Free ATM withdrawals at partner financial institutions such as Seven Bank, all city banks, Japan Post Bank, etc. As of July 1,2015 * Shinsei Gold services are available for up to 3 months, including the initial month, to those who open an account with the Bank. New account holders are, in principle, not entitled to the preferential handling charge for housing loans. However the preferential charge available to Shinsei Platinum or Shinsei Gold customers may apply if the Bank determines that the customer is eligible. Such a decision will be made if and when the customer makes some other transactions with the Bank before the Bank receives a housing loan application form either by mail or at a Bank counter, and if the average monthly account balance fulfills the requirement for Shinsei Platinum or Shinsei Gold services. Handling charge for each housing loan transaction is 108,000 (tax inclusive). However, if customers do not apply for Anshin Pack, handling charge will be 54,000 (tax inclusive).(as of October 1,2014) ** Commission fees for overseas remittances (transfers of yen or foreign currencies overseas), which are normally 4,000, are waived once a month. Please note that this service does not apply to transfers of foreign currencies to other domestic banks. Banking and lifting charges claimed by the recipient bank will be deducted from the amount remitted. As such charges vary from bank to bank, it is not possible to designate the exact amount to be deposited. Please visit a branch or call our call center, Shinsei PowerCall, about the detailed service of overseas remittance including eligible currencies for remittance, the procedures, etc. The overseas remittance service is available over the counter. Furthermore, Shinsei PowerCall ( ) accepts requests for overseas remittance to registered accounts. The account can be registered when a remittance to the account is made over the counter. *** Japanese language only The above services are available to all Shinsei PowerFlex account holders. Preferential interest rates are subject to market condition, and there may be cases where preferential interest rates are the same as regular interest rates. Preferential interest rates may be differ between Shinsei Platinum and Shinsei Gold. Discount fees on forex apply to transactions between yen and a foreign currency, not between foreign currencies nor when the outstanding balance held in foreign currencies is converted to yen in closing an account. If many forex requests are made on market holidays, e.g. weekend etc., or if a drastic change occurs in markets, different discount, which are not described here, may apply. In this case, a forex discount service, which is offered to Platinum and Gold customers under Shinsei Step Up Program, does not apply. An across-the-board forex s, which are higher than usual, apply regardless of stages of Shinsei Step Up Program. Please check the latest forex rates, which include s, before executing each forex transaction. Also, the discount does not apply to exchanging currencies or paying interest in PowerSupport Plus, purchasing foreign currencies in PowerBuilder. For more details, please visit a branch or Shinsei website, or dial Shinsei PowerCall.

3 New Eligibility Due to changes in qualification criteria, it is now easier than ever for customers to fulfill the requirements for the "Shinsei Platinum" and the "Shinsei Gold" stages. More beneficial and exclusive services are available to customers in these higher stages. Eligibility for Each Stage One of the following conditions must be satisfied to be eligible for Platinum services. 1. Average monthly balance of total assets with Shinsei of 20 million or more 2. Average monthly balance of Bank-designated investment products with Shinsei of 3 million or more 3. Outstanding PowerSmart housing loan One of the following conditions must be satisfied to be eligible for Gold services. 1. Average monthly balance of total assets with Shinsei of 2 million or more 2. Average monthly balance of the Bank-designated investment products with Shinsei of 300,000 or more 3. Average monthly balance in yen savings deposit, PowerYokin, and 2 Weeks Maturity Deposit totals 1 million or more 4. Average monthly outstanding balance of SmartCard of 1 million or more 5. Outstanding loan balance of Shinsei Bank Card Loan Lake is 1 or more as of the 20th of the month, and the account from which the repayments are to be debited is Shinsei PowerFlex account. 6. An account from which the payments of Shinsei APLUS Gold card are to be debited is Shinsei PowerFlex account, and amount debited on 27th of the month (or the following business day if 27th falls on a non-business day) is 1 or more. 7. Direct debits are made from the customer s Shinsei PowerFlex account to a PowerBuilder Account (automatically funded foreign currency time ) between the 21st of the previous month and the 20th of the current month. 8. Investment trusts are purchased through periodic investment services which are executed between the 21st of the previous month and 20th of the current month. Shinsei Gold services may not be available depending on the transactions the customer makes. When requirements for a higher account stage are satisfied, the higher stage will be applied to the account in the month after next. Those who do not satisfy any of the conditions shown at left can receive Standard services. Regardless of eligibility requirements, Shinsei Gold services are available for up to 3 months to those who open an account. Discount fees for housing loans do not, as a rule, apply. Eligible assets within a Shinsei PowerFlex account: 1. Yen savings, PowerYokin, 2 Weeks Maturity Deposit, or Yen time 2. Foreign currency savings, 2 Weeks Maturity Foreign Currency Deposit, or Foreign currency time 3. Structured *, 4. Domestic or foreign investment trusts 5. Insurance products** 6. Debentures 7. Financial products purchased at Shinsei Securities or Rakuten Securities*** through Shinsei Bank Bank-designated investment products within a Shinsei PowerFlex account: 1. Foreign currency savings, 2 Weeks Maturity Foreign Currency Deposits, or Foreign currency time 2. Structured * 3. Domestic or foreign investment trusts 4. Insurance products** 5. Financial products purchased at Shinsei Securities or Rakuten Securities*** through Shinsei Bank * Structured include Powered One, New Powered One, Powered One Plus, Power Step Up Yokin 2, Powered Teiki, Powered Teiki Plus, and Powered Teiki Three. etc. ** The following insurance products are excluded: Insurance offered by non-life insurance companies; insurance other than single-premium insurance offered by life insurance companies (excluding "Aflac Individual Annuity" and "WAYS ") *** Applies only to MRF and spot-trading domestic stocks listed on Financial Instruments Exchanges Investment trusts and foreign currency are not calculated at the price or forex rate at the time of purchase or deposit. Daily NAV and forex rates shall apply in calculating asset balances (yen-equivalent asset balance for foreign currency products) of each day. Asset balances at the end for insurance products and financial products purchased at Rakuten Securities shall apply. That is, a total premium amount paid until the end of the month and the market value of shares at the end of the month are included. Please refer to the bottom of this page for details regarding "end asset balances" and "average monthly balances." Average Monthly Balance Eligibility reviews will be based on the average monthly balance so customers need not to worry about making endof-month withdrawals or payments. Evaluation of average monthly balance Evaluation based upon average monthly balance Evaluation based upon asset balances at the end for insurance products and financial products purchased at Ratcheted Securities Asset balance with Shinsei Asset balance with Shinsei Beginning Middle End of month Beginning Middle End of month How to calculate average monthly balance: The total daily balances of eligible products (eligible-product balances on the first day of the month + eligible-product balances on the second day of the month + eligible-product balances on the last day of the month) the number of days in the month Investment trusts and foreign currency are not calculated at the price or forex rate at the time of purchase or deposit. Daily NAV and forex rates shall apply in calculating asset balances (yen-equivalent asset balance for foreign currency products) of each day. Asset balances at the end of each month for insurance products and financial products purchased at Rakuten Securities shall apply. (e.g. Total premiums paid until the end of the month and the market value of shares at the end of the month are included).

4 Stage Review Account stages will be updated every month according to the Eligibility. Transactions between the Bank and each customer will be evaluated at the end of each month, and each customer will be assigned the applicable stage for the month after the following month. Stage Review Model July August September October November December Account Stage Evaluation Result for Platinum for Standard for Gold for Standard Platinum Stage Applied to Account Gold Highest stage achieved in three months used in evaluation will be applied to account. In the event of a late payment on a PowerSmart housing loan or SmartCard loan, or an overdraft beyond a limit for 2 consecutive months, the account stage will be downgraded to Shinsei Standard. Stage Confirmation Through online banking (Shinsei PowerDirect) you can confirm the following information regarding your present stage and associated account information. Your stage for this month Your stage for next month Expected stage for the month following the next month if current account balances as of the reference date remain unchanged Average account balance of Total assets and Investment products designated by the Bank for the period from the beginning of the month to the reference date. Necessary increases in account balances to upgrade the account stage in the month following next month* * When a necessary increment amount is calculated late in the month, it may display large additions to balances as necessary toward the end of each month to upgrade account stage (due to evaluations being based upon average monthly balances). - The above items are listed on the Average account balance / Your stage for this month page, under the Customer Support tab on PowerDirect. - Average accont balance for the month and the detailed associated with stage will not be displayed on the day an account is opened.average account balances for the month will be updated around 5 p.m. on the 2nd of every month.

5 Disclaimer regarding Financial Products offered by Shinsei Bank Regarding foreign currency As the conversion rates of foreign currencies into yen (foreign exchange rates) fluctuate, foreign exchange carry a risk of loss of yen denominated principal resulting from exchange rate fluctuations when converting foreign currencies back into yen. Foreign exchange fees apply when depositing/withdrawing yen into/out of foreign currency accounts (unconventional currency exchange fees may be applied in the event of drastic foreign exchange rate fluctuations or when major markets are closed. The maximum rate of such one-way exchange fees is 5.5 yen per unit. For a direct non-jpy cross currency exchange, the foreign exchange fees will be 0.02 multiplied by one of the currencies. There is a risk of loss of yen denominated principal due to the application of foreign currency exchange fees and applied interest rates, even if foreign exchange rates do not fluctuate. Preferred rates of Shinsei Step Up program are applied to transactions changing yen to a foreign currency and vice versa. (n.b. Preferred rates are not applicable to transactions between non yen foreign currencies or when the outstanding foreign currencies balance is converted to yen as part of closing an account. Additionally, preferred rates are not applicable in exchanging currencies or paying interest in the PowerSupport Plus program, or purchasing foreign currencies through the PowerBuilder program. Foreign currency are not guaranteed by deposit insurance. In principle, foreign currency denominated time may not be cancelled before maturity. However, in the event that Shinsei Bank recognizes extraordinary circumstances and deems the cancellation of foreign currency denominated time before maturity as unavoidable, only principal amounts will be refunded (interest thereon will not be honored). Shinsei Bank does not accept or offer cash transactions of foreign currencies. Fees will be charged for foreign currency remittances. Before investing in foreign currency customers should carefully read the product description of foreign currency (pre-contract document) that is available in branches and online so that they can fully understand characteristics of the foreign currency. Customers bear full responsibility for their investment decisions, and are encouraged to only invest surplus funds. Regarding structured Interest is subject to a % withholding tax (national tax: %, local tax: 5%). Some products carry risks such as being subject to having their maturity dates accelerated at the discretion of the Bank, and deposited currency being converted into a foreign currency (the counter currency) at a disadvantageous exchange rate (strike rate) for the customer at maturity and be credited into applicable foreign currency savings deposit account. In this case, the customer will be subject to foreign exchange risks (such as Forex fees and the risk of loss of principal due to fluctuations in exchange rates). In principle, cancellation before maturity is not permitted. If structured deposit is canceled before the maturity date for a reason that Shinsei Bank considers unavoidable, the originally invested principal is not guaranteed. Depending on market conditions, the amount paid upon cancellation before maturity may be significantly less than the principal. Please make sure that you have sufficient savings set aside and use only extra funds for investing in structured. After the maturity date, the matured funds or the matured funds and interest thereon are credited to the savings account as per the conditions on each structured deposit, and the savings interest rate of the account will apply on and after the maturity date. Funds deposited in yen are covered by deposit insurance. However some of the interest earned on structured is not covered by deposit insurance. For details, please refer to the product descriptions of each product. Regarding dual currency time made in yen, deposit insurance ceases to apply if the currency received at maturity is a foreign currency (the counter currency). Funds that are deposited in foreign currencies are not covered by deposit insurance. Applicable interest rates are subject to change based upon factors such as market conditions, etc., and sales may be terminated without prior notice. Please confirm the details with the explanatory materials (pre-contract explanation documents). The customer bears full responsibility for understanding the content and making the decision to purchase financial products. Explanatory materials on products are available at branches and online. Regarding investment trusts Investment trusts predominantly invest in domestic/foreign securities whose prices and values may fluctuate due to changes of regional political and economic conditions of Japan and foreign countries as well as due to the major risks listed below. Therefore, unit price of domestic investment trusts (hereinafter net asset value ) (net asset price of foreign investment trusts) is subject to change, and principal amount may fall below the amount invested. Major risks that investment trusts entail: - Price fluctuation risk: Volatility in the net asset value of the investment trust itself due to price fluctuations of stocks and notes composing the investment trust assets. - Foreign exchange rate fluctuation risk: Fluctuations in the currency market may have an impact on the net asset value. In the case of investment trusts denominated in foreign currencies, there is the risk of currency exchange rate fluctuations that may cause loss of principal when foreign currency is converted to yen. - Issuer s (or guarantor s) credit risk: Changes in management and financial conditions of the issuer (or guarantor) of the securities composing the investment trust assets and changes of rating by rating agencies may have an impact on the net asset value. Past performance is not a guarantee or a reliable indicator of future results. All profits and losses resulting from investments are for the account of the investor. The following s and expenses are borne either directly or indirectly by the customer purchasing an investment trust. - Upon purchase: Application fee (maximum 3.24%, tax included, for amount agreed for domestic investment trusts or for amount applied for foreign investment trusts) will be charged. - During the investment period: An investment trust fee, trailer fee (maximum 3.0% per annum, tax included, on total net assets value), and other fees and expenses arising during the investment trust period (Sales fees of securities held in the investment trust assets, audit expenses, performance bonuses, fees charged by invested funds, etc.) will be charged. As these fees are tied to the investment performance, the rates and maximum fees cannot be indicated in advance. - Upon redemption: A fee based on the amount of trust asset holdings (maximum 0.7% on net asset value or maximum 300 yen on 10,000 units) and a redemption (maximum of 5.0% on initial subscription amount) will be charged. As these fees and depends on the investment trusts purchased, the amount invested, the investment performance, and the period for which the customer hold the investment trust product, the total amount of fees and s cannot be indicated in advance. Fees and s vary by product. Please confirm the exact amounts in the pre-contract documents (prospectus including supplementary documents). When converting currency between Japanese yen and foreign currencies to purchase or redeem investment trusts, the Bank-designated foreign exchange fees will be charged as well as aforementioned fees and expenses. When redeeming an investment trust, the receipt of the redemption payment may require a considerable amount of time because some investment trusts have a closed period or specify the day for redemption. When applying to purchase an investment trust, please read the latest pre-contract documents (prospectus including supplementary documents) carefully and confirm its details in advance in order to make your own decision on investment. The prospectus (including supplementary documents) is available at Shinsei Bank branches or via our online banking service, Shinsei PowerDirect. (Not available at some branches that do not handle investment trusts. We will also send them to you by mail on request. The prospectus (including supplementary documents) for investment trusts not available at Bank branches can be obtained via Shinsei PowerDirect. If prospectus is divided into two booklets, excerpt prospectus and detailed prospectus, detailed prospectus is provided upon request of customers. Please call our call center, Shinsei PowerCall. Application for and redemption of investment trusts are handled by Shinsei Bank, and initiation of transaction and management of investment trusts are conducted by an investment trust trustee (or asset management company). Trusted assets are managed by a trust bank. Regarding insurance products Please refer to the product brochure, documents exchanged prior to concluding a contract (contract overview / cautionary notes), and contract guide and stipulations when considering an insurance product. The decision on whether or not to conclude a contract for an insurance product will have absolutely no effect on a customer s other transactions with Shinsei Bank. Please contact the underwriting insurance company or Shinsei Bank immediately when an event occurs that is eligible for an insurance payment or benefit under the terms of the contract. Please refer to the product brochure, documents exchanged prior to concluding a contract (contract overview / cautionary notes), and contract guide and stipulations for the respective product to determine whether an insurance payment, benefit, etc. may or may not be paid. Insurance products are underwritten by an underwriting insurance company. They are not a bank deposit, and are therefore not covered by deposit insurance or the Investor Protection Fund. Neither the principal nor interest is guaranteed by Shinsei Bank. In the case of bankruptcy of the underwriting insurance company, protective measures will be taken by the Life Insurance Policyholders Protection Corporation of Japan, but the full amount of the contracted annuity, insurance payment or benefit may not be paid. There may be cases in which Shinsei Bank is prohibited under the Insurance Business Law from accepting an application for an insurance product because of the customer s place of employment or status of loan applications to Shinsei Bank. The representative of Shinsei Bank (the life insurance salesperson) is an intermediary for the conclusion of an insurance contract between the customer and the underwriting insurance company, and does not have authority as an agent to conclude insurance contracts. Accordingly, insurance policies become effective when the underwriting insurance company has approved the contract application made by the customer. Shinsei Bank does not guarantee the ability of the underwriting insurance company to make payments under the contracted product. For further details, please consult with a life insurance salesperson accredited as a variable insurance salesperson for the respective product. Regarding financial products trading and financial products brokerage services Shinsei Bank undertakes securities transactions brokerage services by retaining Shinsei Securities as a financial instruments dealer. Shinsei Bank undertakes services for receiving applications for opening securities transaction accounts by retaining Rakuten Securities as a financial instruments dealer. Shinsei Bank receives applications for opening securities transaction accounts from only those who satisfy eligibility requirements that are specified by Shinsei Securities or Rakuten Securities. For details, please visit our branch or contact Rakuten Securities Customer Service Center. After opening a securities transaction account of Shinsei Securities, all financial products including stock purchase/sale, etc. are traded with Shinsei Securities. Shinsei Bank accepts applications for orders, and Shinsei Securities receives and executes the orders. After opening a securities transaction account of Rakuten Securities, all financial products including stock purchase/sale, etc. are traded with Rakuten Securities without Shinsei Bank s involvement. Fees and s may be incurred from financial products brokerage services which Shinsei Bank undertakes. Fees and s vary depending on products, issues, transaction amount, way of dealing, etc., therefore exact amount and calculation formula are not detailed here. Furthermore, the details and the fee system of the financial products trading operations, which are undertaken as financial products brokerage services by Shinsei Bank, are different from those offered only by Shinsei Securities. * MRF and spot-trading domestic stocks listed by Financial Instruments Exchanges SHINSEI BANK, LIMITED / No. 10 Registered financial institution of Kanto Local Finance Bureau / Member of Japan Securities Dealers Association and the Financial Futures Association of Japan

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