Notice of Launch of Free FX Commission Program

To Our Valued Customers,

Thank you very much for banking with SMBC Trust Bank.

Starting from Monday, November 10, 2025, we will begin offering the "Free FX Commission Program", which waives the foreign exchange fee when purchasing foreign currencies from Japanese yen.

【Details of Foreign Exchange Fees (Purchases from Yen to Foreign Currencies)】

• * For PRESTIA DIGITAL GOLD customers, the foreign exchange handling fee at the time of purchase varies depending on the transaction channel.

【Eligible Transaction/Benefit】

Free of foreign exchange commission from Japanese yen to foreign currency for any of the following transactions:

① Deposit from Japanese yen to applicable products below with online banking* or PRESTIA Phone Banking (automated voice service transaction)

• *SMBC Trust Bank App / PRESTIA Online / PRESTIA Mobile

② Deposit 3 million yen or more from Japanese yen to applicable products below at branches or by PRESTIA Phone Banking (operator transaction).

【Applicable Products】
Foreign Currency Savings Deposit, Foreign Currency Time Deposit, Order Watch (Foreign Exchange Leave Order Service), Step Up Time Deposit (available only at branches or by PRESTIA Phone Banking (operator transaction))

【Applicable Currencies】

All 17 currencies available at SMBC Trust Bank PRESTIA

• *Please note that there are cases where some currencies may not be offered due to the country's regulations and/or market conditions.
• *The available currencies vary depending on the product. For details, please see the Information Memorandum.

For details on eligible transactions and conditions, please refer to the program webpage published on the start date of the program, and make effective use of SMBC Trust Bank PRESTIA's foreign currency deposits.

SMBC Trust Bank, Ltd.