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

During this period, if you deposit new foreign currency funds of
30,000 USD or more
from other financial institutions in Japan into a
USD time deposit (3 month),
we will offer you a special initial interest rate on your USD time deposit.

In addition, if you deposit new yen funds of
3 million yen or more
from other financial institutions in Japan into a
Yen time deposit (3 month),
we will offer you a special initial interest rate on your Yen time deposit.

About Campaign

Campaign Period

April 1, 2025 (Tue) to May 30, 2025 (Fri)

Eligible Customers

Individual customers with SMBC Trust Bank PRESTIA banking accounts

Transaction Channels
/ Deadlines

Branches: Until the end of business hours on May 30, 2025 (Fri.)
PRESTIA Phone Banking: Transactions completed by 20:00 on May 30, 2025 (Fri.)

• *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 foreign currency funds from other financial institutions, please specify PRESTIA MultiMoney Foreign Currency Savings Deposit Account (8-digits).

Eligible Products

USD time deposit (3 month), Yen time deposit (3 month)

Transaction Condition

Benefit 1USD time deposit (3 month)

• Foreign currency funds newly transferred from other financial institutions in Japan (Funds that were transferred within 3 months when you start a USD time deposit are eligible.)

• *Please note that if you make a withdrawal (including withdrawals for purchasing investment products, etc.) from a newly deposited foreign currency deposit during the campaign period and before making an applicable time deposit, such withdrawal amount will be deducted from the campaign funds.
• *In addition to above, even if a withdrawal is made before the campaign period, the amount of that withdrawal may be subject to deduction from the campaign fund amount at our comprehensive discretion.
• *In case you sent foreign currency to your account but received in Yen, funds may be eligible for the campaign. Please ask our staff.
• *Making USD time deposit using other currencies under cross currency transaction is also eligible for this campaign.

Benefit 2Yen time deposit (3 month): Optional

• Make Yen time deposit (3 month) with new yen funds deposited from other financial institutions in Japan after the campaign starts.

• *Make a Yen time deposit (3 month) at the same time as making the above USD time deposit

Transaction Amount

• 1USD time deposit

Minimum of 30,000 USD per transaction

• 2Yen time deposit

Minimum of 3 million yen per transaction
(Up to 3 times the amount of USD time deposit)

Benefits

• 1USD time deposit (3 month) Special interest rate

Base Interest Rate
(As of April 9, 2025)

Campaign rate

3.20% p.a.
(After tax 2.54% p.a.)

4.50% p.a.
(After tax 3.58% p.a.)

• 2Yen time deposit (3 month) Special interest rate

Base Interest Rate
(As of April 9, 2025)

Campaign rate

0.250% p.a.
(After tax 0.19% p.a.)

2.50% p.a.
(After tax 1.99% p.a.)

• *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

• Funds deposited from Sumitomo Mitsui Banking Corporation and SMBC Nikko Securities
• Online banking transactions
• Funds transferred from overseas financial institutions

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.
• 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. Comprehensive income taxation applies to corporate customers. The tax rate etc. may change in the future due to reasons such as revision of tax laws.
• 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.
• 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.
• This campaign might not be combined with other programs or campaigns.
• 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.
• Please note that cancellations are not accepted after transactions have been completed.
• 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.

Notes about the special interest rate

• The Time Deposit that is cancelled before maturity will not be eligible for this campaign.
• The special interest rate for Foreign Currency Time Deposit will be applied 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 for Foreign Currency Time Deposit 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.
• The special interest rate for Yen time deposit will be applied until the first maturity date. In the case of auto-renewal, the interest rate for the same Yen time deposit term and the currency on offer on each maturity date shall apply.
• When auto-renewal for Yen time deposit 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.
• If you cancel your Yen time deposit before its maturity date, the initial special interest rate will not be applied and the specified early cancellation interest rate will be applied until the cancellation date.
• Only principal up to 10 million yen totalling all deposits you have with us that are in the scope of Deposit Insurance and interest until the insurable contingency are covered by Deposit Insurance.
• Please contact your nearest tax office for details about how the interest earned should be handled in terms of taxations.

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.