20210422_新生銀行スタートガイド_英語_表1 【2104006】 入稿

Shinsei Start Up Guide

Thank you for choosing Shinsei PowerFlex.

Please read this guide before using our service. 20210422_新生銀行スタートガイド_英語_P01【2104006】 入稿

Start using Shinsei PowerFlex

Customers who opened an account

Receiving your PIN notice, Cash card and Security code card

Your ‘PIN notice’, ‘Cash card’ and ‘Security code card’ will each be posted separately. ※If you registered your PIN at the same time of your account opening, the PIN notice will not be posted. ※Ｉf your Cash card or your Security code card is returned to the Bank due to an unknown address, etc., your account may be temporarily suspended for security reasons.

Branch code

Account number Cash card The Branch code and account number are shown on the card. If you open the account via internet or post, the branch code will be 400 (Head Office).

PIN notice This is a notice informing you of your 4-digit PIN. Your PIN is required when making cash withdrawals and balance inquires at ATMs, PowerCall (Telephone banking) and PowerDirect (Internet Banking).

Your PIN can be changed on our toll free number Security code card

0120-456-272. Please press 77＊ on the automated voice system.

1 20210422_新生銀行スタートガイド_英語_P02【2104006】 入稿

Available ATMｓ and Fees

The Preferential Service (free-of charge ATM withdrawal fees at our partner ATMs) of the Shinsei Step Up Program has been revised effective January 25, 2021. As of January 25, 2021

ATM Operating hours Fees

110 yen/ Withdrawal Seven Bank ATMs withdrawal＊1 24 hours＊2 Deposit 365days Free Balance inquiry

110 yen/ Withdrawal Enet ATMs withdrawal＊1 24 hours＊2 Deposit 365days Free Balance inquiry

110 yen/ Withdrawal LAWSON ATMs withdrawal＊1 24 hours＊2 Deposit 365days Free Balance inquiry

110 yen/ Withdrawal AEON Bank ATMs withdrawal＊1 24 hours＊2 Deposit 365days Free Balance inquiry

Weekdays 7 a.m. - 11 p.m. Sat, Sun, and national holidays 7 a.m. - 110yen/ Withdrawal 9 p.m. (Operating hours on Jan 2 and 3, withdrawal＊1 and Dec 31 are the same as holidays.)

Patsat ATMs Deposit 7 a.m. - 9 p.m. 365days

Weekdays 7 a.m. - 11 p.m. Free Sat, Sun, and national holidays 7 a.m. - Balance inquiry 9 p.m. (Operating hours on Jan 2 and 3, and Dec 31 are the same as holidays.)

110yen/ Withdrawal Same as train operating hours withdrawal＊1

JR East Railway ATM Deposit Deposit service is not available. -

Balance inquiry Same as train operating hours Free

Weekdays, Sat 12:05 a.m. - 11:55 p.m. 110 yen/ Withdrawal＊3＊6 Sun, national holidays 12:05 a.m. - 9 p.m. withdrawal Japan Post Bank Weekdays, Sat 12:05 a.m. - 11:55 p.m. and Deposit＊4＊5＊6 Sun, national holidays 9 a.m. - 9 p.m. Post office ATMs Free Weekdays, Sat 12:05 a.m. - 11:55 p.m. Balance inquiry＊3＊6 Sun, national holidays 12:05 a.m. - 9 p.m.

2 20210422_新生銀行スタートガイド_英語_P03【2104006】 入稿

ATM Operating hours Fees

110yen/ Withdrawal 8 a.m. - 9 p.m. 365days withdrawal Major City and Deposit Deposit service is not available. - Mitsubishi UFJ Trust Bank ATMs

Balance inquiry 8 a.m. - 9 p.m. 365days Free

Weekdays 8 a.m. - 9 p.m. 110yen/ Withdrawal＊7 Sat, Sun, and national holidays 9 a.m. - 5 p.m. withdrawal Sumitomo Deposit service is not available. - Trust Bank Deposit

Weekdays 8 a.m. - 9 p.m. Balance inquiry＊7 Free Sat, Sun, and national holidays 9 a.m. - 5 p.m.

Weekdays 8 a.m. - 9 p.m. 110 yen/ Withdrawal＊8 Sat, Sun 9 a.m. - 5 p.m. withdrawal

Shoko Chukin Bank ATMs Deposit Deposit service is not available. -

Weekdays 8 a.m. - 9 p.m. Balance inquiry＊8 Free Sat, Sun 9 a.m. - 5 p.m.

＊1 The withdrawal fee is free for Shinsei Gold and Shinsei Platinum customers. ＊2 ATM will not be available from 3:00 a.m. to 4:00 a.m. on the second and the last Sunday of each month due to system maintenance. ＊3 ATMs will be available from 7 a.m. on Mondays and days following a holiday. ＊4 Japan Post Bank ATMs located in FamilyMart generally operate from 12:05 a.m. to 11:55 p.m., 365 days a year. ＊5 ATMs will be available from 7 a.m. on the day following the third Sunday of every month. ＊6 ATMs will not be available from 12:05 a.m. to 12:15 a.m. on May 3 and May 6th. ＊7 ATMs are not available during January 1st～3rd and May 3rd - 5th respectively ; however, with the exception of May 3rd - 5th, services will be available when those days falls on a Sunday. Operating hours on December 31st are from 9 a.m. to 5 p.m. ＊8 ATMs are not available on Jan 2nd～3rd and national holidays; however, with the exception of January 1st, they will be available when the holiday falls on a Sunday. Operating hours on December 31st are from 9 a.m. to 5 p.m.

- Coin transactions are not available at ATMs. - ATM operating hours may differ depending on business hours of the building in which the ATM is installed and system maintenance of Shinsei Bank or partners. - Foreign currency in cash is not available at ATMs and branches. - ATMs located inside Shinsei Bank branches are owned and operated by Seven Bank, and the Seven Bank ATM services are provided there. - Above fees include consumer tax. - For details about the conditions and the eligibility requirements for Shinsei Gold and Shinsei Platinum, please check our website or Japanese brochures which are available in our branches.

3 20210422_新生銀行スタートガイド_英語_P04【2104006】 入稿

How to use Internet Banking（Shinsei PowerDirect）

Initial Setup

Initial settings will be required when accessing Internet Banking (Shinsei PowerDirect) for the first time.

Please keep the following items handy when logging in. Please access our website and click ‘Login’ button.

Cash card Security code card Your branch code and account number Alphanumeric characters are shown on this card. If you opened are shown on this card. your account via internet or post, the Shinsei Web site branch code will be 400 (Head Office).

Input the branch code (3 digits) and account number 1 (7 digits) shown on your cash card. 1 Input your birthday (8 digits: yyyymmdd). 2 2 e.g. If your birthday is December 9, 1980, please input 19801209.

3 3 Click "Login"

Enter your Security code card number. 4 Please input your Security code card number (5 digits in each field) shown on the upper right side of the back of the card. 4 Check the box after you read and acknowledge the 5 affirmation and click "Security Code Card Registration". 5

Enter your desired PowerDirect password according to 6 the below password policy and click "Set". ■The password should be between 6-12 characters long and contains at least two types of characters under the following categories: English lowercase characters (a through z), base 10 digits (0 through 9). ■Lowercase characters and uppercase characters are recognized as separate characters. 6 ■You cannot use non-alphanumeric characters such as "!" or "/". ■You can log in using your new PowerDirect password from the next log in.

Your registration has been completed. If you would like to register for Smartphone Authenticatoin Service, click on "Smartphone Authentication service registration" button. If you would like to proceed to the online banking site, click on "Top".

4 20210422_新生銀行スタートガイド_英語_P05【2104006】 入稿

How to use Shinsei PowerDirect

Fund transfer

STEP1

Login to PowerDirect Input the branch code (3 digits) and account 1 number (7 digits) shown on your cash card. 1 2 Input your PowerDirect Password. 2 3 Click "Login" 3

STEP2

Click the “Transfer” tab and select “Transfer”.

STEP3

Please select the beneficiary. If you are transferring to a registered account, please select the beneficiary from the list of registered accounts. Otherwise, please click on "New Transfer". If you chose "New Transfer", please move to STEP4. If you chose "registered beneficiary account", please move to STEP5.

5 20210422_新生銀行スタートガイド_英語_P06【2104006】 入稿

STEP4

Enter the beneficiary bank information. Click on "Beneficiary Bank".

Select "Beneficiary Bank" from the list. If your beneficiary bank is not on the list, please enter the first letter of the beneficiary bank in Japanese Hiragana and click on "Search". If you have trouble entering hiragana, please click on "Use Japanese keyboard".

Click on "Branch".

6 20210422_新生銀行スタートガイド_英語_P07【2104006】 入稿

Enter the brach name in Hiragana and click on "Serach". For example, if the branch name is "Honeten", please input "ほん" in Japanese Hiragana and click on "Search". The branch names which start with "ほん" will be shown below in the box. Please select the branch name you will be transferring to.

Select the "Beneficiary Account Type" from the following, Savings account (Futsu Yokin), Checking account (Toza Yokin), or Savings Deposit (Chochiku Yokin). Enter the 7- digit Beneficiary Account Number (If the account number is 6 digits, please put 0 on the front. If the account number is 5 digits, please put 00 before the account number) and click "Next".

STEP5

Enter the amount you would like to transfer and click "Next".

7 20210422_新生銀行スタートガイド_英語_P08【2104006】 入稿

STEP6

シンセイ タロウ After confirming the contents of the transaction, Please tap "Submit".

- When you enter the account number, the beneficiary name will be automatically シンセイ ハナコ shown（Name-back function). Please confirm if the beneficiary name is correct. - If you wish to add this beneficiary account info to the"Payee info", please tick the box of "Add this payee information". You can register up to 20 beneficiary accounts.

A push notification will be sent to your registered smartphone and the transaction will be completed upon approval of the customer by tapping the "Tick button". ※Screen images may vary depending on devices.

■ If you haven't registered Smartphone Authentication Service, below image will be shown. After confirming the contents of the transaction, please enter your PIN and 3 values from your Security Code Card and tap "Submit".

シンセイ タロウ

STEP7

シンセイ ハナコ A notice stating that the transaction has been accepted will be displayed. Please print-out the screen if necessary, this page will be shown only once and cannot be recreated.

8 20210422_新生銀行スタートガイド_英語_P09【2104006】 入稿

GoRemit Overseas Remittance Service

Point1 No need to visit a branch! Do everything from your phone!

Point2 Register as many beneficiaries as you like for free!

Point3 View Advice of Transfers in PDF directly from the GoRemit App!

12 Currencies available! Point 4 Remittances can be made directly from savings accounts! JPY, USD, EUR, GBP, CAD, AUD, NZD, HKD, SGD, CHF, SEK, INR

Identification Documents to be prepared in advance (A and B)

Individual Number Card A or AND B Residence Card Individual Number Notification Card

Remittance Fees (Overseas Remittance from Shinsei PowerFlex accounts) （As of 1 October 2019）

Remittance Method Remittance Fee Preferential Service for Platinum customers

Foreign currency from foreign currency account 4,000 yen First remittance Yen from yen account 2,000yen per month free of charge Foreign currency converted＊ from yen account 2,000yen

＊We will transfer funds after converting to foreign currency at the GoRemit dedicated TTS rate of the remittance date. Exchange rates are posted on the GoRemit website and the GoRemit App around 10：0 0 a.m. every business day. As the GoRemit is a pre-registration service, you must apply for the service and register beneficiary accounts in advance to send funds. It takes approximately 2 weeks from service application until you can make your first remittance.

iPhone Users Android Users

Download From Here Free

• The Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. • "Google Play", the "Google Play logo" and "Android" are trademarks or registered trademarks of Google Inc.

9 20210422_新生銀行スタートガイド_英語_P10【2104006】 入稿

GoRemit App Service Outline

※ For Corporate Users and Self Employed Business Users wishing to Available to Individual Customers use GoRemit, please see the GoRemit Website for further details.

Application Apply via GoRemit App Methods

【Overseas Remittance from Shinsei PowerFlex accounts】

Account Currency Remittance Currency Remittance Hours ・Remittance request instructions received by 3：00 p.m. Foreign currency Foreign currency on a business day： Sent next business day ・Remittance request instructions received after 3：00 p.m.： Remittance Japanese yen Japanese yen Sent the business day after the next business day Hours ・Remittance request instructions received by 3：00 p.m. on a business day： Sent same-day Japanese yen Foreign currency ※Funds will be converted at the GoRemit TTS rate for that day.Please note that foreign currency-denominated remittance request instructions cannot be sent after 3：00 p.m.

（As of 1 October 2019）

【Caution regarding Preferential Service for Platinum Customers】 ・Shinsei Platinum Customers are eligible to make the first remittance of any given month free of charge when making an overseas remittance or domestic foreign currency remittance from their Shinsei PowerFlex Account. The customer's stage for the month must be Platinum on the day the remittance request is sent via the app. ・To be eligible for the Preferential Service for Platinum Customers, after registering with the GoRemit App customers must register a Shinsei PowerFlex account in their name with the app. When making a remittance in the same month as registering a Shinsei PowerFlex account, the remittance fee will be refunded to customers at the beginning of the following month. When making a remittance in the months after registering a Shinsei PowerFlex account, the first remittance of any given month will be free of charge when making a remittance request. ・Customers' Shinsei Step Up Program details are updated at approx. 10:00 a.m. on the first business day of every month. If a customers makes a remittance request via the app before these details are updated, the remittance fee will be deducted at the time of the remittance, but will be refunded within that month. ・After making a remittance request from the GoRemit App, the free remittance for that month will be considered used even if the remittance is cancelled or the funds are returned for any reason. ・This preferential service is not applicable when making a domestic transfer to our collection account.

Important Notice

・Depending on the beneficiary country and bank, overseas intermediary banks and beneficiary banks may deduct fees. Intermediary and beneficiary bank fees will be deducted from the remittance amount. ・Domestic transfer ("furikomi") fees are borne by the customer. ・Depending on the beneficiary country and bank, funds will typically arrive within 1‐3 business days after we make the remittance, however screening processes and local banking practice on the beneficiary end may cause delays in some cases. ・When making remittances from a Shinsei PowerFlex Account, the commission fee will be withdrawn from Yen Deposit Account regardless of the remittance currency. ・When making remittances from a Shinsei PowerFlex Foreign Currency Deposit Account, it is necessary to prepare the required amount in that currency in your account in advance. The Bank is not responsible for delays to overseas remittances caused by not being able to withdraw the remittance funds due to insufficient balance. ・Applications to use the service and applications to register beneficiaries are subject to our prescribed screening process. Applications may be declined as a result of our screening. ・When applying to raise your remittance volume limit, evidential documentation must be submitted to confirm the validity of the source of funds and purpose of remittance. Please follow the instructions in the app to submit the documents. Remittance limits will be set in accordance with our prescribed screening process, and as a result the limit set may be lower than the requested amount.

Contact Us Tel 0120-227-503 Website FAQ （Weekdays : 9:00 a.m.- 5:00 p.m.）

10 20210422_新生銀行スタートガイド_英語_P11 【2104006】 入稿

GAICA Flex Prepaid Card

GAICA Flex prepaid card (GAICA Flex) makes your everyday purchases easy.

No Credit Check, No Issuing Fee, No Minimum Balance, No Maintenance Fee＊1 The "GAICA Flex prepaid card" is issued by Shinsei Bank Group member APLUS.

What can GAICA Flex do?

In Japan Shopping online 24 HOURS

Shopping at stores or online Load your card with Yen that accept Visa payments＊3 Refund the fund to your online anytime, 24/365＊2 account free of charge

Overseas Contactless Payments 24 € £ € £ HOURS A＄ ＄ A＄ ＄

Load your card with your Shopping at stores or online Refund the fund to your choice of 5 currencies＊2 that accept Visa payments account free of charge

＄

€ £ A＄ ＄

Withdraw local currency at ATMs free of charge＊4

＊1. There is a set fee for loading and using your card. ＊2. You can load funds to your card directly from your Shinsei Bank PowerFlex account online in 5 currencies (JPY, USD, Euro, GBP and AUD) via the Aplus member's website anytime you like, 24/365. Service may be temporarily unavailable due to maintenance by Shinsei Bank or APLUS. Loading your card with Yen is free of charge. A fee of 3.5% applies when loading foreign currency. ＊3. The outstanding balance in JPY can be applied if you use your GAICA Prepaid Card in Japan. ＊4. You need to register your Individual number (My number) to use overseas ATMs. You can withdraw funds in the local currency at VISA & Plus Cash Dispenser or ATMs in more than 200 countries and territories (As of June 30, 2016). Depending on the overseas financial institution providing the ATM service, an extra fee from that institution may apply. Cash withdrawals cannot be made from within Japan.

- The foreign exchange fees will be applied when using the JPY balance in overseas and calculated from the used JPY amount for payment or withdrawal. This fee will be deducted from the card balance.

11 20210422_新生銀行スタートガイド_英語_P12【2104006】 入稿

How to get a GAICA Flex Prepaid Card

As long as your application is in order, it should take about a week after we receive your application for you to receive your card!

Power １ Login to Shinsei PowerDirect. Direct

Move to the ‘ATM/Card’ page and proceed the ２ procedures.

Move to the APLUS website and APLUS ３ continue the process on the APLUS website.

Receive an e-mail from APLUS. ４ Click on the URL link from the e-mail to access the Member-Only Site and enter the required information.

５ Application Complete!

If you wish to withdraw cash from overseas ATMs, please register your Individual number (My number) via the APLUS Member-Only Site after receiving your GAICA Flex prepaid card. For more details on how to register you Individual number (My number), please visit APLUS website.

【GAICA Prepaid Card】 ●GAICA Prepaid Card (hereinafter the “Card”) is the services which APLUS Co.,Ltd. (hereinafter “APLUS”) provides, and is not a product of Shinsei Bank (hereinafter the “Bank”) ●The Card is not a product provided for remittances carried out by banks, etc. including the Bank. ●The Card does not constitute the acceptance of deposits, savings, or installment savings.(You can’t load cash in any currency directly onto the Card, and you can only load your Card from the Bank account.) ●The Card is not subject to the payment of insurance prescribed in the Deposit Insurance Act or in the Agricultural and Fishery Cooperation Savings Insurance Act. ●A system of security deposits for providing the services with the Card (hereinafter “Security Deposits”) is established under the Payment Services Act in order to ensure the protection of the Members*.*The term “Member” shall refer to the person whom APLUS provides with the Card and authorizes to use the Card. APLUS makes a Security Deposit as follows for the issuance of the Card. - Method of a statutory deposit: Money - Official depository: the Osaka Legal Affairs Bureau ●The Members shall have the right to receive payments with regard to the amount of the remaining balance on the Card for the return of Security Deposit in the procedures related to the execution of the right under the Payment Service Act. ●The Bank shall receive applications only for the Card with Flex Function. The applications for the Card are accepted only through the online banking service of the Bank, Shinsei PowerDirect. Please note that applications for the Card on telephones or at branches will not be accepted. The Bank does not assume any responsibility even if applications via Shinsei PowerDirect are not accepted due to problems in the computer systems, etc. ●After issuing the Card, all transactions effected through the use of the Card are handled only by APLUS, and the Bank shall not take any responsibility whatsoever. Regarding transactions with the Card and the important information such as fee schedule of the Card, visit the APLUS website. For inquiries or questions,please contact APLUS.

Inquiries regarding "GAICA Prepaid Card" applications Inquiries regarding "GAICA Flex Prepaid Card applications" APLUS Shinsei Bank, Ltd. GAICA Customer Service Desk 03-6743-2798 Shinsei PowerCall 0120-456-022 (Toll-free) Business Hours: 9:30 a.m. - 5:30 p.m. (Excluding Sundays and National Holidays) Shinsei Bank Website : www.shinseibank.com/english/ APLUS website: www.aplus.co.jp GAICA Prepaid Card Official website: www.gaica.jp/e/

12 20210422_新生銀行スタートガイド_英語_P13【2104006】 入稿

Important point to note Please note that the Shinsei PowerFlex account is only available for residents of Japan. Non-residents of Japan are not able to withdraw or send funds from their accounts. Please also note that foreign citizens who plan to leave Japan (non-residents of Japan) are required to close their accounts before doing so.

Closing your account Closing an account at a branch If you plan to leave Japan permanently, please visit a branch to close your account in advance.

・If you have balance on your account, you will be required to transfer it to another Japanese account or to withdraw it in JPY at a branch that handles cash. You CANNOT make an overseas transfer. ・If you registered a seal instead of your signature, please bring your seal and your cash card when visiting a branch. ・If you wish to withdraw your account balance in JPY, please visit a branch that handles cash (We recommend Head Office). ・It takes approximately 1 hour to close your account at a branch.

You may be able to close your account by postal mail. For more details, please check our website.

Contact Information

Inquiries Internet ▼ ▼ shinseibank Search www.shinseibank.com/english/

SHINSEI BANK, LIMITED / No.10 Registered financial institution of Kanto Local Finance Bureau / Member of Japan Securities Dealers Association and the Financial Futures Association of Japan 2104006