[To: Customers receiving overseas remittances] Revision to Inward Foreign Exchange Remittance Fee

Effective Monday, December 16, 2019, administrative fees for foreign currency remittances from overseas and within Japan or yen inward foreign exchange remittances^* will be revised as follows:

• *Yen inward foreign exchange remittances: Yen remittances from overseas or from non-residents in Japan.

• *Remittance financial institutions or intermediary banks may charge fees separately from the aforementioned fees.

The remittance administrative fee will be withdrawn from the fund you are receiving, your savings deposit account for the same currency you are receiving, or your yen savings deposit account. You cannot designate the account from which the fee will be withdrawn.

The remittance fund will be returned to the remittance requester if neither the aforementioned fund nor your balance before receiving the fund is greater than the remittance administrative fee.

To: "Shinsei Platinum" and "Shinsei Gold" customers

A cash-back program offering 2,000 yen per inward foreign exchange remittance receipt will be implemented for "Shinsei Platinum" and "Shinsei Gold" customers.

Details of the program will be provided on our website.

June, 2019
SHINSEI BANK