[USD or AUD only Campaign]Premium Deposit : Add-on interest rates will be applied.

August 2,2021

Dear valued Customer,

Thank you for banking with SMBC Trust Bank PRESTIA.

When depositing Premium Deposits (Deposit in Yen) and selecting USD or AUD as counter currency, add-on interest rates will be applied regardless of the transaction channel (Base interest rate x20% add-on) from August 2, 2021 to March 31, 2022. We hope you will take advantage of the service.

<Eligible Transactions>

Deposit Currency	Counter Currency
JPY	USD
	AUD

e.g.) If the base interest rate is 4.000% (pre-tax annual interest rate), the add-on interest rate shall be 4.800% (pre-tax annual interest rate)
<Calculation>4.000+4.000x0.2 = 4.800% (pre-tax annual interest rate)

• *PRESTIA Online limited add-on rate (Base interest rate x 5%) will not be applied.
• *Please note that add-on interest rates will not be applied for Premium Deposit submitted before August 2, 2021.
• *In principle, interest is subject to a 20.315% withholding tax (National tax 15.315% and Local tax 5%) for individual customers. Comprehensive income taxation applies to corporate customers. The tax rate etc. may change in the future due to reasons such as the revision of tax laws.

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SMBC Trust Bank Ltd.