Notice of Improvements to Premium Deposit Features and End of "Deposit in Yen - USD or AUD Interest Rate Add-on" Program

Dear Customers,

Thank you for banking with SMBC Trust Bank.

Effective March 31, 2025 (Monday), we will revise the product features of the Premium Deposit (structured deposit with FX options) as follows:

1. Details of the Product Revisions

The interest rate of the Premium Deposit includes a portion of the "premium" obtained by selling the applicable FX options, in addition to the regular time deposit interest rate. From March 31, 2025, we will sequentially enhance the product features by increasing the proportion of the premium added to the Premium Deposit interest rate compared to the previous rate, according to the currency pairs.

2. Effective Date

From March 31, 2025 (Monday) onward*

• *These revisions will apply to transactions executed after the implementation of the product revisions. The revisions will start with some currency pairs on March 31 and are expected to be reflected in all investment types, deposit periods, and currency pairs by early April.

Please note that the "premium" can vary significantly based on the combination of conditions specified by the customer and market conditions, so we cannot indicate the extent of the revisions in advance.

Depending on the conditions specified by the customer, the higher the interest rate, the higher the possibility of currency exchange at maturity. Therefore, we kindly ask that you fully understand the product features and risks before conducting transactions.

Additionally, due to these product revisions, the "Deposit in Yen - USD or AUD Limited - Interest Rate Add-on" program will end on March 31 (Monday).

We appreciate your continued support of SMBC Trust Bank PRESTIA.

Sincerely,

SMBC Trust Bank Ltd.