Transactions and procedures during New Year’s holiday season

15, December, 2020

Dear Customers

Thank you for banking with SMBC Trust Bank.
Transactions and procedures during New Year’s holiday season may be restricted or take longer than usual.

Premium Deposit<Structured Deposit with FX Option>	Products Premium Deposit <Structured Deposit with FX Option> Premium Deposit <Structured Deposit with FX Option> will not be available due to Market Holidays (including weekends). Regarding the regulation of transactions during Christmas, Year End & New Year
Order Watch <FX Limit Order>	Order Watch <FX Limit Order> will not be monitored to see whether they reached the order rate and the order will not be executed due to Market Holidays (including weekends). Regarding the regulation of transactions during Christmas, Year End & New Year *New transaction of Order Watch <FX Limit Order> is available 24 hour / 365 days except system maintenance period.

	By PRESTIA Phone Banking
ATM operation hours at branches and mini-branches	Please refer to the following link for each ATM operation hours. Branches
Service hours for Domestic fund transfer to other banks (in JPY)	Transfer request after the following times will be deposited in 2021.
	By ATMs (using a Cash Card)	Transfers received after December 30, 15:00, may be processed in 2021 depending on the receiving banks.
	Via PRESTIA Online or PRESTIA Mobile	Transfer request after December 30, 15:00 will be processed on January 4, 2021.
	At Branch	Transfer request after December 30, 14:00 will be processed on January 4, 2021.
Mail Delivery Schedule	Please be aware that mail delivery may take longer than usual due to the New Year holiday schedule.

We apologize for any inconvenience this may cause.

SMBC Trust Bank Ltd.