Thank you fo r choos ing

Sh inse i PowerF lex .

P lease read th i s gu ide

be fo re us ing ou r se rv i ce .

S t a r t Up Gu i d eShinse i Bank

〈Customers who opened an account〉

Receiving your PIN notice, Cash card and Security code card

Your ‘PIN notice’, ‘Cash card’ and ‘Security code card’ will each be posted separately.※Customers who received their Cash card when opening an account at a branch will receive only the Securitycode card by post. If you registered your PIN at the same time of your account opening, the PIN notice will not be posted.

※Ｉf your Cash card or your Security code card is returned to the Bank due to an unknown address, etc., your account may be temporarily suspended for security reasons.

Start using Shinsei PowerFlexStart using Shinsei PowerFlex

Cash card

Branch code

Account number

PIN notice

Your PIN can be changed on our toll free number 0120-456-272. Please press ＊77 on the automated voice system.

This is a notice informing you of your 4-digit PIN. Your PIN is required when making cash withdrawals and balance inquires at ATMs, PowerCall (Telephone banking) and PowerDirect (Internet Banking).

The Branch code and account number are shown on the card. If you open the account via internet or post, the branch code will be 400 (Head Office).

Security code card

1

Available ATMｓ and FeesAvailable ATMｓ and Fees

As of October 2019

ATM

Balance inquiry＊3＊6Weekdays, Sat 12:05 a.m. - 11:55 p.m.Sun, national holidays 12:05 a.m. - 9 p.m.

Free

Deposit＊4＊5＊6 Weekdays, Sat 12:05 a.m. - 11:55 p.m.Sun, national holidays 9 a.m. - 9 p.m.

Withdrawal＊3＊6Weekdays, Sat 12:05 a.m. - 11:55 p.m.Sun, national holidays 12:05 a.m. - 9 p.m.

110yen/withdrawal＊1

Japan Post Bankand

Post office ATMs

Balance inquiry Same as train operating hours Free

Deposit Deposit service is not available. -

Withdrawal Same as train operating hours 110yen/withdrawal＊1

Balance inquiry

Deposit 7 a.m. - 9 p.m. 365days

Free

Withdrawal

Patsat ATMs

JR East Japan Railway ATM

110yen/withdrawal＊1

Balance inquiry

DepositFree

Withdrawal 110yen/withdrawal＊1

Balance inquiry

DepositFree

Withdrawal 110yen/withdrawal＊1

Balance inquiry

DepositFree

Withdrawal 110yen/withdrawal＊1

Balance inquiry

DepositFree

Withdrawal 110yen/withdrawal＊1

Operating hours Fees

Seven Bank ATMs

Enet ATMs

LAWSON ATMs

AEON Bank ATMs

Weekdays 7 a.m. - 11 p.m.Sat, Sun, and national holidays 7 a.m. - 9 p.m. (Operating hours on Jan 2 and 3, and Dec 31 are the same as holidays.)

Weekdays 7 a.m. - 11 p.m.Sat, Sun, and national holidays 7 a.m. - 9 p.m. (Operating hours on Jan 2 and 3, and Dec 31 are the same as holidays.)

24 hours365days

＊2

24 hours365days

＊2

24 hours365days

＊2

24 hours365days

＊2

2

＊1 Regardless of eligibility requirements, Shinsei Gold services are available for up to 3 months to those who open a new account. Thus, the ATM withdrawal fee is free for those customers during the period. The withdrawal fee is free for Shinsei Gold and Shinsei Platinum customers. When Shinsei Gold/Platinum customer withdraw funds from our partner financial institution ATMs, the ATM transaction slips issued may show a withdrawal fee, but this is covered by Shinsei Bank and no fees are deducted from customers' Shinsei PowerFlex savings accounts.

＊2 ATM will not be available from 3:00 a.m. to 4:00 a.m. on the second and the last Sunday of each month due to system maintenance.＊3 ATMs will be available from 7 a.m. on Mondays and days following a holiday.＊4 Japan Post Bank ATMs located in FamilyMart generally operate from 12:05 a.m. to 11:55 p.m., 365 days a year.＊5 ATMs will be available from 7 a.m. on the day following the third Sunday of every month.＊6 ATMs will not be available from 12:05 a.m. to 12:15 a.m. on May 3 and May 6th.＊7 ATMs are not available during January 1st～3rd and May 3rd - 5th respectively ; however, with the exception of May 3rd - 5th, services will be available when those days falls on a Sunday. Operating hours on December 31st are from 9 a.m. to 5 p.m.

＊8 ATMs are not available on Jan 2nd～3rd and national holidays; however, with the exception of January 1st, they will be available when the holiday falls on a Sunday. Operating hours on December 31st are from 9 a.m. to 5 p.m.

- Coin transactions are not available at ATMs.- ATM operating hours may differ depending on business hours of the building in which the ATM is installed and system maintenance ofShinsei Bank or partners.- Foreign currency in cash is not available at ATMs and branches.- ATMs located inside Shinsei Bank branches are owned and operated by Seven Bank, and the Seven Bank ATM services are providedthere.- Above fees include consumer tax.- For details about the conditions and the eligibility requirements for Shinsei Gold and Shinsei Platinum, please check our website orJapanese brochures which are available in our branches.

Major City banksand

Mitsubishi UFJ Trust Bank ATMs

Sumitomo MitsuiTrust Bank

Shoko Chukin Bank ATMs

ATM

Balance inquiry＊8 Weekdays 8 a.m. - 9 p.m.Sat, Sun 9 a.m. - 5 p.m. Free

Deposit Deposit service is not available. -

Free

-

Withdrawal＊8 Weekdays 8 a.m. - 9 p.m.Sat, Sun 9 a.m. - 5 p.m.

110yen/withdrawal＊1

Balance inquiry＊7

Deposit

Weekdays 8 a.m. - 9 p.m.Sat, Sun, and national holidays 9 a.m. - 5 p.m.Withdrawal＊7 110yen/

withdrawal＊1

Balance inquiry

Deposit

Withdrawal 110yen/withdrawal＊18 a.m. - 9 p.m. 365days

Deposit service is not available.

8 a.m. - 9 p.m. 365days

Free

-Deposit service is not available.

Weekdays 8 a.m. - 9 p.m.Sat, Sun, and national holidays 9 a.m. - 5 p.m.

Operating hours Fees

3

Please keep the following items handy when logging in. Please access our website and click‘Login’ button.

Cash card Security code card

1

3

2

4

5

6

Shinsei Web site

HHoow to use Iw to use Inntteerrnneet Bt Baanknkiinngg（S（Shihinsensei Pi PoowweerDrDiirreecct）t）

Initial SetupInitial settings will be required when accessing Internet Banking (Shinsei PowerDirect)

for the first time.

1 Input the branch code (3 digits) and account number(7 digits) shown on your cash card.

Your branch code and account number are shown on this card. If you opened your account via internet or post, the branch code will be 400 (Head Office).

Alphanumeric characters are shown on this card.

4 Please input your Security code card number (5 digits in each field) shown on the upper right side of the back of the card.

Enter your Security code card number.

If you would like to proceed to the online banking site, click on "Top".

5 Check the box after you read and acknowledge the affirmation and click "Security Code Card Registration".

2 Input your birthday (8 digits: yyyymmdd).

3 Click "Login"

6 Enter your desired PowerDirect password according tothe below password policy and click "Set".■The password should be between 6-12 characters long and contains atleast two types of characters under the following categories: Englishlowercase characters (a through z), base 10 digits (0 through 9).

■Lowercase characters and uppercase characters are recognized asseparate characters.

■You cannot use non-alphanumeric characters such as "!" or "/".■You can log in using your new PowerDirect password from the next log in.

Your registration has been completed.If you would like to register for Smartphone Authenticatoin Service, click on "Smartphone Authentication service registration" button.

e.g. If your birthday is December 9, 1980, please input 19801209.

4

Fund transfer

How to use Shinsei PowerDirectHow to use Shinsei PowerDirect

Login to PowerDirect

STEP1

Click the “Transfer” tab and select “Transfer”.

STEP2

STEP3

Please select the beneficiary.If you are transferring to a registered account,please select the beneficiary from thelist of registered accounts.Otherwise, please click on "New Transfer".If you chose "New Transfer", please move toSTEP4.If you chose "registered beneficiary account",please move to STEP5.

1 Input the branch code (3 digits) and account number (7 digits) shown on your cash card.

2 Input your PowerDirect Password.

3 Click "Login"

1

3

2

5

Click on "Branch".

Select "Beneficiary Bank" from the list.If your beneficiary bank is not on the list,please enter the first letter of the beneficiarybank in Japanese Hiragana and click on "Search".If you have trouble entering hiragana, please click on "Use Japanese keyboard".

Enter the beneficiary bank information. Click on "Beneficiary Bank".

STEP4

6

Enter the amount you would like to transfer andclick "Next".

STEP5

Enter the brach name in Hiragana and click on"Serach". For example, if the branch name is"Honeten", please input "ほん" in JapaneseHiragana and click on "Search".The branch names which start with "ほん" willbe shown below in the box.Please select the branch name you will betransferring to.

Select the "Beneficiary Account Type" fromthe following, Savings account (Futsu Yokin),Checking account (Toza Yokin), or SavingsDeposit (Chochiku Yokin). Enter the 7-digit Beneficiary Account Number(If the account number is 6 digits, please put0 on the front. If the account number is 5 digits, please put 00before the account number) and click "Next".

7

シンセイ　タロウ

シンセイ　ハナコ

STEP6

STEP7

A notice stating that the transaction hasbeen accepted will be displayed.Please print-out the screen if necessary,this page will be shown only once and cannotbe recreated.

A f t e r c on f i rm i ng t h e c on t en t s o f t h e transaction, Please tap "Submit".

- When you enter the account number, thebenef ic ia r y name wi l l be automat ica l l ys h own（Name - b a c k f u n c t i o n) . P l e a s econfirm if the beneficiary name is correct.- If you wish to add this beneficiary account info to the"Payee info", please tick the box of "Add this payee information". You can register up to 20 beneficiary accounts.

A push not i f icat ion wi l l be sent to your registered smartphone and the transaction wi l l be completed upon approva l of the customer by tapping the "Tick button".※Screen images may vary depending ondevices.

■ I f y o u h a v e n ' t r e g i s t e r e dSmartphone Authentication Service,below image will be shown.Af ter conf i rming the contents of thetransaction, please enter your PIN and 3values from your Secur ity Code Cardand tap "Submit".

シンセイ　タロウ

シンセイ　ハナコ

8

GoRemit Overseas Remittance ServiceGoRemit Overseas Remittance Service

• The Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.App Store is a service mark of Apple Inc., registered in the U.S. and other countries.• "Google Play", the "Google Play logo" and "Android" are trademarks or registered trademarks of Google Inc.

Individual Number CardResidence Card

Individual Number Notification CardAND

As the GoRemit is a pre-registration service, you must apply for the service and register beneficiary accounts in advance to send funds. It takes approximately 2 weeks from service application until you can make your first remittance.

Remittance Method

Foreign currency from foreign currency accountFirst remittance per month free of charge

4,000 yen

2,000yen

2,000yen

Yen from yen account

Foreign currency converted＊ from yen account

Remittance Fee Preferential Service for Platinum customers

No need to visit a branch! Do everything from your phone!Point1

Register as many beneficiaries as you like for free!Point2

View Advice of Transfers in PDF directly from the GoRemit App!Point3

12 Currencies available!Remittances can be made directly from savings accounts!Point4JPY, USD, EUR, GBP, CAD, AUD, NZD, HKD, SGD, CHF, SEK, INR

（As of 1 October 2019）

＊We will transfer funds after converting to foreign currency at the GoRemit dedicated TTS rate of the remittance date.Exchange rates are posted on the GoRemit website and the GoRemit App around 10：00 a.m. every business day.

orA B

Identification Documents to be prepared in advance (A and B)

Remittance Fees (Overseas Remittance from Shinsei PowerFlex accounts)

DownloadFrom Here Free

iPhone Users Android Users

9

（As of 1 October 2019）

Available to

RemittanceHours

ApplicationMethods

Account Currency Remittance Currency Remittance Hours

Individual Customers

【Overseas Remittance from Shinsei PowerFlex accounts】

Apply via GoRemit App

GoRemit App Service Outline

Important Notice

※For Corporate Users and Self Employed Business Users wishing touse GoRemit, please see the GoRemit Website for further details.

Foreign currency

Japanese yen

Japanese yen

Foreign currency ・Remittance request instructions received by 3：00pm on a business day ： Sent next business day・Remittance request instructions received after 3：00pm： Sent the business day after the next business day

・Remittance request instructions received by 3：00pm on a business day ： Sent same-day

※Funds will be converted at the GoRemit TTS rate forthat day.Please note that foreign currency-denominatedremittance request instructions cannot be sent after 3：00 pm.

Foreign currency

Japanese yen

【 Caution regarding Preferential Service for Platinum Customers】・Shinsei Platinum Customers are eligible to make the first remittance of any given month free of charge when making an overseas remittance or domestic foreign currency remittance from their Shinsei PowerFlex Account. The customer's stage for the month must be Platinum on the day the remittance request is sent via the app.・To be eligible for the Preferential Service for Platinum Customers, after registering with the GoRemit App customers must register a Shinsei PowerFlex account in their name with the app. When making a remittance in the same month as registering a Shinsei PowerFlex account, the remittance fee will be refunded to customers at the beginning of the following month. When making a remittance in the months after registering a Shinsei PowerFlex account, the first remittance of any given month will be free of charge when making a remittance request.・Customers' Shinsei Step-up Program details are updated at approx. 10:00 am on the first business day of every month. If a customers makes a remittance request via the app before these details are updated, the remittance fee will be deducted at the time of the remittance, but will be refunded within that month.・After making a remittance request from the GoRemit App, the free remittance for that month will be considered used even if the remittance is cancelled or the funds are returned for any reason.・This preferential service is not applicable when making a domestic transfer to our collection account.

・Depending on the beneficiary country and bank, overseas intermediary banks and beneficiary banks may deduct fees. Intermediary and beneficiary bank fees will be deducted from the remittance amount.・Domestic transfer ("furikomi") fees are borne by the customer.・Depending on the beneficiary country and bank, funds will typically arrive within 1‐3 business days after we make the remittance, however screening processes and local banking practice on the beneficiary end may cause delays in some cases.・When making remittances from a Shinsei PowerFlex Account, the commission fee will be withdrawn from Yen Deposit Account regardless of the remittance currency.・When making remittances from a Shinsei PowerFlex Foreign Currency Deposit Account, it is necessary to prepare the required amount in that currency in your account in advance. The Bank is not responsible for delays to overseas remittances caused by not being able to withdraw the remittance funds due to insufficient balance.・Applications to use the service and applications to register beneficiaries are subject to our prescribed screening process. Applications may be declined as a result of our screening.・When applying to raise your remittance volume limit, evidential documentation must be submitted to confirm the validity of the source of funds and purpose of remittance. Please follow the instructions in the app to submit the documents. Remittance limits will be set in accordance with our prescribed screening process, and as a result the limit set may be lower than the requested amount.

Contact Us 0120-227-503（Weekdays : 9:00 a.m.- 5:00 p.m.）

Tel Website FAQ

10

GAICA Flex Prepaid CardGAICA Flex Prepaid Card

No Credit Check, No Issuing Fee, No Minimum Balance, No Maintenance Fee＊1

What can GAICA Flex do?

GAICA Flex prepaid card (GAICA Flex) makes your everyday purchases easy.

The "GAICA Flex prepaid card" is issued by Shinsei Bank Group member APLUS.

* 1. There is a set fee for loading and using your card.* 2. You can load funds to your card directly from your Shinsei Bank PowerFlex account online in 5 currencies (JPY, USD, Euro,GBP and AUD) via the Aplus member's website anytime you like, 24/365. Service may be temporarily unavailable due tomaintenance by Shinsei Bank or APLUS. Loading your card with Yen is free of charge. A fee of 3.5% applies when loading foreigncurrency.*3. The outstanding balance in JPY can be applied if you use your GAICA Prepaid Card in Japan.*4. You need to register your Individual number (My number) to use overseas ATMs. You can withdraw funds in the local currencyat VISA & Plus Cash Dispenser or ATMs in more than 200 countries and territories (As of June 30, 2016). Depending on theoverseas financial institution providing the ATM service, an extra fee from that institution may apply. Cash withdrawals cannot bemade from within Japan.

- The foreign exchange fees will be applied when using the JPY balance in overseas and calculated from the used JPY amountfor payment or withdrawal. This fee will be deducted from the card balance.

€ £ ＄A＄

＄

Load your card with Yenonline anytime, 24/365＊2

Shopping at stores or onlinethat accept Visa payments＊3

24HOURS

Refund the fund to youraccount free of charge

In Japan

Overseas

Shoppingonline

Contactless Payments

Load your card with yourchoice of 5 currencies＊2

Shopping at stores or onlinethat accept Visa payments

Withdraw local currency atATMs free of charge＊4

24HOURS

Refund the fund to youraccount free of charge

€＄£

A＄€

＄£

A＄

11

As long as your application is in order, it should take about a week after we receive your application for you to receive your card!

１

２

３

４

５

Login to Shinsei PowerDirect

Move to the ‘ATM/Card’ page and proceed theprocedures.

Move to the APLUS website and continue the process on the APLUS website.

Receive an e-mail from APLUS.Click on the URL link from the e-mail to access the Member-Only Site and enter the required information.

Application Complete!

Inquiries regarding "GAICA Prepaid Card" applicationsAPLUSGAICA Customer Service Desk 03-6743-2798 Business Hours: 9:30 am - 5:30 pm (Excluding Sundays and National Holidays)APLUS website: www.aplus.co.jpGAICA Prepaid Card Official website: www.gaica.jp/e/

Inquiries regarding "GAICA Flex Prepaid Card applications"Shinsei Bank, Ltd.Shinsei PowerCall 0120-456-022 (Toll-free) Shinsei Bank Website: www.shinseibank.com/english/

APLUS

PowerDirect

【GAICA Prepaid Card】●GAICA Prepaid Card (hereinafter the “Card”) is the services which APLUS Co.,Ltd. (hereinafter “APLUS”) provides, and is not a productof Shinsei Bank (hereinafter the “Bank”) ●The Card is not a product provided for remittances carried out by banks, etc. including theBank. ●The Card does not constitute the acceptance of deposits, savings, or installment savings.(You can’t load cash in any currencydirectly onto the Card, and you can only load your Card from the Bank account.) ●The Card is not subject to the payment of insuranceprescribed in the Deposit Insurance Act or in the Agricultural and Fishery Cooperation Savings Insurance Act. ●A system of securitydeposits for providing the services with the Card (hereinafter “Security Deposits”) is established under the Payment Services Act in orderto ensure the protection of the Members*.*The term “Member” shall refer to the person whom APLUS provides with the Card andauthorizes to use the Card. APLUS makes a Security Deposit as follows for the issuance of the Card. - Method of a statutory deposit:Money - Official depository: the Osaka Legal Affairs Bureau ●The Members shall have the right to receive payments with regard to theamount of the remaining balance on the Card for the return of Security Deposit in the procedures related to the execution of the rightunder the Payment Service Act. ●The Bank shall receive applications only for the Card with Flex Function. The applications for the Cardare accepted only through the online banking service of the Bank, Shinsei PowerDirect. Please note that applications for the Card ontelephones or at branches will not be accepted. The Bank does not assume any responsibility even if applications via Shinsei PowerDirectare not accepted due to problems in the computer systems, etc. ●After issuing the Card, all transactions effected through the use of theCard are handled only by APLUS, and the Bank shall not take any responsibility whatsoever. Regarding transactions with the Card and theimportant information such as fee schedule of the Card, visit the APLUS website. For inquiries or questions,please contact APLUS.

If you wish to withdraw cash from overseas ATMs, please register your Individual number (My number) via the APLUS Member-Only Site after receiving your GAICA Flex prepaid card. For more details on how to register you Individual number (My number), please visit APLUS website.

How to get a GAICA Flex Prepaid Card

12

Direct dial number

Identification verification

Inquiry Page

(except during system maintenance) 8:00 a.m. - 9:00 p.m./365 days

Notice

Please input the following numbers to identify yourself.

We will answer your questions via e-mail or chat.

■Branch code (3 digits)+Account number (7 digits)

■Your cash card PIN (4 digits)※These numbers are embossed on your cash card.

●Report on Cash Card loss or Financial fraud：24 hours /365 days●Inquiries about Internet Banking：24 hours /365 days

We may verbally confirm some extra personal information for requests regarding ATM withdrawal limit changes, domestic fund transfer limit changes, PowerYokin transfers, etc.

For your security, your account will be temporarily locked in case you enter the incorrect PIN and/or date of birth several times in succession. Please contact PowerCall at 0120-456-022 （3⇒2⇒2） for assistance.

Shinsei PowerCallShinsei PowerCall

0120‐456‐272 (24hours/365days)PIN changeFor English, press once connected.

0120‐301‐231 (24hours/365days)PowerDirect Password resetFor English, press 　　　 once connected.

From the U.S.A. and Canada1-866-744-6734 (Toll-free)＊From foreign countries other than the U.S.A. and Canada +81-3-5954-7763 (Not toll-free)

Toll-Free 0120-456-022

For English, press 　　　 once connected.0120‐456‐507 (24hours/365days)Foreign currency buying and selling

＊Phone charges may apply to calls made from mobile phones, and/or by the service(s) provided by the local phone company. For details, please contact your phone service provider. Global roaming charges may apply for international calls made from your Japanese mobile phone. Dial type (dial line) telephones, and some Internet phone services such as Skype may not be available.

（ )0120‐227‐503GoRemit Shinsei Overseas Remittance ServiceFor English, press 　　once connected.

Weekdays9：00a.m.-5：00p.m.

For customers who wish to purchase foreign currency deposits, structured deposits, investment trust etc. via PowerCallUnder the Financial instruments and Exchange Law, we offer advice on financial products to meet customer’s needs. As the time of transactions, therefore, customers’ assets status and intention about asset management will be asked, and features, risks, and fees which financial products entail will be explained. ●Before purchasing financial products which the Bank designates such as foreign currency deposits, structured deposits, etc, customers are required toacknowledge documents the Bank designates, for instance, a product description document to be confirmed prior to concluding an agreement. ●Whenpurchasing investment trusts, customers are required to receive the latest prospectus including supplementary documents. ●Description documents to beconfirmed prior to concluding an agreement, etc. of each financial products are available at branches and through PowerCall. ※Available only in Japnaese.

2

Please understand that depending on the nature of your inquiry, we may not be able to answer your questions via this channel.

Transactions made between 9:30 p.m.-12:00 a.m. may be finalizedon the following day.

13

Main menu Sub menu 1 Sub menu 2 Response typeID

0120-456-022：Available services

＊1 Change of PIN ■Your PIN should not be easy to guess and should notcontain your birthday or telephone number. If you change your PIN after 9:00p.m., your new PIN will be effective the following morning.＊2 Change of name, address and phone number ■You are able to apply fora change of name/address/telephone number. If you have an investment trustaccount or Shinsei Securities account, please contact PowerCall for change ofaddress. We will send you an “Address change form” to your new address.Please send this form back to us along with the necessary ID. You are also ableto download the form from our website.＊3 Change of ATM withdrawal limit, domestic fund transfer limit.■You canchange the limit via PowerDirect (internet banking) up to JPY 2 million.＊4 Domestic funds transfers ■Transactions made after 2:30 p.m. on weekdays,weekends and on public holidays will be finalized on the followingbusiness day.＊5 Account Balance ■If you have many products with us, you will not be able to check the account balance for certain time-deposits by automated voicemessage. In this case, an operator will answer your inquiry.

＊6 Trading foreign currencies 【The maximum and minimum amount for each foreign exchange transaction using the automated voice】 〈Maximum〉amount equivalent to JPY 5 million (A single transaction will be limited to 2 million Japanese yen from around 7:00 a.m. Saturday to around 7:00 a.m. Monday (JST)). 〈Minimum〉Amount equivalent to JPY 1,000. The selling of foreign currency using the automatic voice recording can only be done in units of 1 basic currency unit (selling foreign currency in fractions less than one basic currency unit is not accepted). 【Minimum amount of foreign currency transactions with an operator】 ・Amount equivalent to JPY 1,000 per transacting between yen and a foreign currency. ・Units of 10 basic currency per transaction between foreign currencies.＊7 Home mortgages and card loans ■Acceptance times differ depending on the type of inquiry. Please visit the Shinsei website.

Service details may change without notice

If you press the numbers according to the chart below, you can reach the desired service information without waiting for the recorded message to guide you. Operators will assist you 24 hours /365days for ① ' Report on cash card loss or financial fraud' and ' ② Inquiries about Internet banking' listed below.For other menus operators will assist you from 8:00 a.m. to 9:00p.m./365 days. Automated voice system services will be available 24 hours/365 days.

The below menu is as of October 2019, and may be changed without advance notice.

●…Bank account number and ID number input ID number = Branch code (3 digits) + Account number (7 digits) + Your cash card PIN (4 digits)●…Operator ●…Automated voice

Report on cash card loss or financial fraud

Inquiries about Internet banking

Japanese Yen account

Others

To listen to the options again

Change of PIN ＊1Change of address, withdrawal limits ＊2, 3 To listen to the options againTo go back to the main menuDomestic wire transfer ＊4international wire transferTo listen to the options againTo go back to the main menu

Yen savings account

Reset Internet Banking passwordOperator Assistance regarding Internet Banking

inquiries about account balance ＊5transactions of your Yen savings accountothersTo listen to the options againTo go back to the main menuinquiries about account balanceTo open a 2 weeks maturity deposit in Japanese YenEarly-withdrawal or changing maturity date instructionothersTo listen to the options againTo go back to the main menu

inquiries about account balanceothersTo listen to the options againTo go back to the main menu

Purchasing the foreign currencySelling the foreign currencyothersTo listen to the options againTo back to the main menuinquiries about account balancetransaction details about deposit and withdrawalothersTo listen to the options againTo go back to the main menuinquiries about account balanceothersTo listen to the options againTo go back to the main menu

Privacy policySales policyTo listen to the options againTo go back to the main menu

●

●

●●

●●

●

●●●

●●

●

●●

Foreign currency account inquiry, exchange rate inquiry, or a foreign currencies exchange transaction ＊6

Change of PIN code, address, withdrawal limits etc.

12890123890

1890

12890128901890

1290

12

12

901890

1

2

3

4

8901

2

3

4

89012

3

90

1

2

3

Wire transfer4

5

6

8

9

2 weeks maturity deposit in Japanese Yen

PowerYokin

Yen time deposit

othersTo listen to the options againTo go back to the main menuexchange rate

Foreign currency buying and selling

Foreign currency savings account

Foreign currency time deposit

othersTo listen to the options againTo go back to the main menuOperatorHome mortgages ＊7

Sales and Privacy Policies

To listen to the options againTo go back to the main menu

14

Important point to notePlease note that the Shinsei PowerFlex account is only available for residents of Japan. Non-residents of Japan are not able to withdraw or send funds from their accounts. Please also note that foreign citizens who plan to leave Japan (non-residents of Japan) are required to close their accounts before doing so.

Closing your account

・If you have balance on your account, you will be required to transfer it to another Japanese account or to withdraw it in JPY at a branch that handles cash. You CANNOT make an overseas transfer.・If you registered a seal instead of your signature, please bring your seal and your cash card when visiting a branch.・If you wish to withdraw your account balance in JPY, please visit a branch that handles cash (We recommend Tokyo Branch or Head Office).・It takes approximately 1 hour to close your account at a branch.

2001007

www.shinseibank.com/english/▶Internet

▶Shinsei PowerCall 0120-456-022Contact Information

shinseibank Search

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

Toll-Free

Closing an account at a branchIf you plan to leave Japan permanently, please visit a branch to close your account in advance.

InquiriesPlease check our frequently asked question on our website. If you still can't find what you're looking for, contact us by the method most convenient for you.

For more details, please check our website.

You may be able to close your account by postal mail.For more details, please check our website.