Applicable only to funds transferred
from other financial institutions in Japan
USD Time Deposit Special Interest Rate Campaign

As an initial special interest rate,
3-month: 5.2% / 6-month: 5.0%

● Applicable only 3-month and 6-month USD Time Deposits.

● Only available for foreign currency funds newly transferred from other financial institutions in Japan.

● Transaction channels are limited to our branches or PRESTIA Phone Banking (operator transaction).

About Campaign

Period

October 1, 2024 (Tue.) to December 30, 2024 (Mon.)

Eligible customers

Individual customers with SMBC Trust Bank PRESTIA accounts

Eligible products

USD Time Deposits with a deposit term of 3-month and 6-month

Source funds

Foreign currency funds newly transferred from other financial institutions in Japan (Funds that were transferred within 3 months before you start a USD Time Deposit are eligible.)

• *Starting a USD Time Deposit using another foreign currency under cross currency transaction is also eligible for this campaign.
• *In case your funds are converted to yen at an intermediary bank, this campaign may be applicable. For details, please ask our staff.

Minimum transaction amount

Minimum of 30,000 USD equivalent per transaction

Benefits

An initial special interest rate will be applied when you start a USD Time Deposit.

Term	Base interest rate (Annual interest rate)	Special campaign interest rate (Annual interest rate)
3-month	3.7%	5.2%
6-month	4.0%	5.0%

As of October 1, 2024

• *Interest rates may be revised without prior notice due to changes in the market environment, among other reasons.
• *Interest rates and exchange rates may fluctuate due to market conditions. Please check the latest information at our branches or via the bank's Website, etc.
• *Above interest rates are annual pretax interest rates. In principle, interest is subject to a 20.315% withholding tax (National tax 15.315% and Local tax 5%) for individual customers. The tax rate etc. may change in the future due to reasons such as revision of tax laws.

Ineligible transactions

• Foreign currency funds deposited from Sumitomo Mitsui Banking Corporation and SMBC Nikko Securities
• Step Up Time Deposit
• Online banking transactions
• Funds transferred from overseas financial institutions

Transaction channels and deadline for each channel

• Branches: Until the end of business hours on December 30, 2024 (Mon.)
• PRESTIA Phone Banking (0120-110-330): Transactions completed by 20:00 on December 30, 2024 (Mon.)

• *Transaction channels are limited to our branches or PRESTIA Phone Banking (operator transaction).
• *The transaction time of this campaign by PRESTIA Phone Banking: 8:00 to 20:00 (Weekdays)
• *When you transfer funds from other financial institutions, please specify PRESTIA MultiMoney Foreign Currency Savings Deposit Account (8-digits).

PRESTIA DIGITAL GOLD is offered to customers with a Total Average Monthly Wealth Management Balance for the previous month equivalent to 3 million yen or more.
If you apply for this campaign and create USD Time Deposit, you can meet the requirements for PRESTIA DIGITAL GOLD. When you retain the requirements and be applied PRESTIA DIGITAL GOLD status, you can enjoy free or discounted service fees for online banking transactions.
Regarding to requirements and timing of status change, please see below.

Privileges of PRESTIA DIGITAL GOLD

PRESTIA DIGITAL GOLD customers can enjoy free or discounted service fees for online banking transactions.

• Fees for domestic yen fund transfers Free

  • Transfer funds free
    of charge not only to another
    SMBC Trust Bank account but also
    to an account at other banks
  • *ATM (using a cash card) transactions are also eligible.

• Fees for overseas remittances Free

  • Transfer funds overseas free of charge
    both in foreign currency and yen
  • *The payee must have been registered in advance.

• Foreign exchange fees
  for purchasing foreign currency 50% OFF

  • 50% discount on foreign exchange commission
    for purchasing foreign currency
    (6 currencies only*)
  • *USD | AUD | NZD | GBP | CAD | EUR

Please note : Read the following guidelines before you join the campaign.

Notes regarding this campaign

• Cancellation of Foreign Currency Time Deposit is not allowed before maturity, including those that have rolled over automatically, except that SMBC Trust Bank determines cancellation is unavoidable. In the event that cancellation is determined unavoidable, depositor may be required to pay settlement fee due to changes in financial circumstances, etc.
• Intermediary banks that process your transfer may charge a separate fee. If the amount received is less than the eligible amount, this campaign cannot be applied.
• A USD Time Deposit that is cancelled before maturity will not be eligible for this campaign.
• Please contact your nearest tax office for details about how the awards should be handled in terms of taxations.
• In order to receive the stated benefits, transactions must be completed by the deadline. The process may take a while. Please plan your transaction well in advance.
• Note that this campaign may be discontinued or changed (including its content or duration) at any time without prior notice.
  Also note that similar campaigns may be held after this one has ended.
• This campaign might not be combined with other programs or campaigns.
• Please note that cancellations are not accepted in principle after transactions have been completed.

Notes about the special interest rate

• Special interest rates will apply until the first maturity date. In the case of auto-renewal, the interest rate for the same Foreign Currency Time Deposit term and the currency on offer on each maturity date shall apply. When auto-renewal does not apply, the principal and interests accumulated will be deposited to PRESTIA MultiMoney Foreign Currency Savings Deposit and the applicable interest rate for the currency in the account will apply after the maturity date.

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.

Other considerations

• Please receive and read the latest "Information Memorandum" (Pre-Contract Document) within one year before investing in Foreign Currency Time Deposit.
• At SMBC Trust Bank PRESTIA, we use profiling (a series of questions related to asset management) to understand the amount of risk you are able to accept. The answers received in profiling, and the risk acceptable to the customer, are expressed numerically as a "customer risk tolerance (risk score)". Please be aware that investment in a product is not possible if the customer risk score is below the product risk level. It's required that you conduct Personal Profiling and have the Risk Score 1 or higher within one year before investing in this product.