Eligible Customers

Individual customers who have an account with SMBC Trust Bank PRESTIA.

Awards

You will receive a cash award of 5,000 yen per 1 million yen equivalent, if you transfer funds of 3 million yen equivalent or more per transaction in foreign currency to SMBC Trust Bank PRESTIA from your overseas account.
(Up to 100,000 yen in total*1 per customer; For PRESTIA GOLD PREMIUM customers, up to 250,000 yen in total*1 per customer.)

• *1The maximum total cash award amount is the combined amount for this program and those under the "Transfer funds from overseas" program ("Deposit yen and purchase foreign currency" plan).

Qualifications

You must meet both conditions ① and ②.

• 1Transfer funds of 3 million yen equivalent or more per transaction in foreign currency you have in your overseas account to your SMBC Trust Bank PRESTIA account, either through overseas remittance or a check deposit.
• 2Apply for this program at SMBC Trust Bank PRESTIA branches or via PRESTIA Phone Banking within three months after the deposit was made to your SMBC Trust Bank PRESTIA account.

<Premium Benefit >

• 3 Customers who have the status of PRESTIA GOLD PREMIUM. For details, please contact the branch staff.
  More details on PRESTIA GOLD PREMIUM.

Eligible Transactions

Eligible Deposit Accounts	PRESTIA MultiMoney Foreign Currency Savings Account, U.S. Dollar Savings Account
Eligible Currencies	All foreign currencies available at SMBC Trust Bank PRESTIA
Transaction Amount	3 million yen equivalent or more per transaction* *The yen equivalent amount is calculated based on the TTB rate as of the transfer arrival date for overseas remittances, or based on the TTB rate as of the check receipt date for check deposit.
Transaction Channels	SMBC Trust Bank PRESTIA branches PRESTIA Phone Banking *Premium Benefit is applicable at SMBC Trust Bank PRESTIA branches only.

• *Customers performing foreign currency deposit transactions will be required to conclude a PRESTIA MultiMoney Foreign Currency Savings Deposit Contract. Please check "Notes about Foreign Currency Deposits" below for details.
• *This program will be applied when you keep the funds transferred from overseas as foreign currency deposits or investment products, etc. (certain conditions apply for purchasing investment products, etc.) with PRESTIA.
• *There may be a maximum transfer amount depending on financial institution. Additionally, there may be fees involved when making a transfer from another financial institution.

• When receiving funds from a foreign account for the first time, you need to notify My Number (Individual Number) .

Ineligible Transactions

• *Deposits to Yen Savings Account or PRESTIA MultiMoney Yen Savings Account.
  If you have transferred yen funds, please refer to the application details under "Transfer funds from overseas" program ("Deposit yen and purchase foreign currency" plan).
• *Funds that have been converted to yen at the time of application.
  If you have transferred foreign currency funds to your SMBC Trust Bank PRESTIA account and converted the funds into yen yourself, such funds will NOT be eligible for both plans under the "Transfer funds from overseas" program.
• *Transferred foreign currency funds that are planned to be converted to yen deposits or to be withdrawn soon after the transfer are not eligible, even if you carry out such transactions after you apply for this program.
• *At the time of cash award payment, if the amount of funds deposited in this program is less than the application amount, or if the deposit of check has not been completed, may NOT be eligible at our discretion.
• *The Premium Benefit may not be applicable at our discretion if the specified requirements for PRESTIA GOLD PREMIUM status is not satisfied at the time of cash award provision.

Award Method /
Time Period

The award payment timing will be determined based on the application accepted date and deposited into your Yen Savings Account.

Application accepted date	Award payment timing
January 1 to March 31	By the end of May
April 1 to June 30	By the end of August
July 1 to September 30	By the end of November
October 1 to December 31	By the end of February the following year

• *Please be aware that benefit awarding time may delay.
• *Please make sure to apply well in advance, as deposit of foreign currency through overseas remittance and check collection may take some time.
• *The maximum total cash award amount per person is 100,000 yen (250,000 yen for PREMIUM customers); cash awards under the "Transferring foreign currency funds" plan and the "Deposit yen and purchase foreign currency" plan are to be totaled.

Please make sure to read the following notes before making transactions.

Notes regarding this program

• For customers who are US persons (US citizens, US residents, or Green Card holders), this award amount will be included into the annual reporting to IRS, as your income.
• Please contact your nearest tax office for details about how the awards should be handled in terms of taxations.
• Note that this program may be discontinued or changed (including its content or duration) at any time without prior notice.
  Also note that similar programs may be held after this one has ended.
• This program might not be combined with other programs or campaigns.
• Note that even if the cash award is not applicable, cancellations of transactions accompanying this program are not accepted.
• Funds transferred from any overseas financial institution located in Japan are NOT eligible for this program.
• Products and services featured here may not be purchasable or provided to customers for various reasons determined by SMBC Trust Bank. We kindly request your understanding in advance.

Notes about Foreign Currency Deposits

This product entails some risks such as loss of principal in Japanese yen. Please read "Information Memorandum and Pre-Contract Document" carefully and make sure you have full understanding of the product, associated risks, and commissions before making a transaction.
Please see here for the details of Risk of loss of principal, Commissions, Other considerations and available currencies, etc.