[Shinsei Bank] Structured deposit: Travel coupon present campaign

Campaign product and minimum deposit for each product

From 9 a.m. Friday, August 3 to 10 p.m. Thursday, September 27, a minimum deposit amount is lowered to 100,000 yen for online application only !

	Online	Branch	Phone
New Powered One	100,000 yen	3,000,000 yen	3,000,000 yen
Power Step Up Yokin	100,000 yen	3,000,000 yen	3,000,000 yen
Powered One Plus	100,000 yen	2,500,000 yen	2,500,000 yen
Powered Teiki Plus	100,000 yen	2,500,000 yen	2,500,000 yen
Double-Interest Chance TD (3 years maturity) (Japanese only)	100,000 yen	5,000,000 yen	3,000,000 yen
Double-Interest Chance TD (5 years maturity)	100,000 yen	5,000,000 yen	3,000,000 yen
Powered Teiki V	100,000 yen	3,000,000 yen	3,000,000 yen
Powered Teiki	100,000 yen	1,000,000 yen	1,000,000 yen

Cancellation before maturity is not permitted. In case of early withdrawal prior to maturity date, your principal is not guaranteed. Furthermore, depending on market environment at the time of early withdrawal, your principal may fall significantly below your original yen amount.
* Interest rate is as of August 1, 2007 unless otherwise specified.
After maturity date, your principal will be credited to your Yen or Foreign currency Savings account and an each applicable interest rate displayed at the bank counters will be applied.

Branch: Branch location
Phone: 0120-456-007 Power Call Manual
Online: Login

Campaign Outline

Lottery and present delivery will be scheduled on September 2007. Winners will receive the prize without prior announcement and will may be asked to answer the questionnaire on this campaign via e-mail etc. Your cooperation in completing the questionnaire would be appreciated.

About New Powered One

We may stop handling this deposit or revise the interest rate and bonus interest, depending on the market environment.
In principle, cancellation is not permitted before maturity. If the Bank finds it necessary to accept a cancellation before maturity, the Bank will cancel the deposit, and will deduct the cost of restructuring the deposit for the period from cancellation to maturity, and other costs incurred by the Bank from the principal. The remainder will be credited to your PowerFlex Yen savings account. Please note that, in this case, your principal is not guaranteed.
Principal and interest are credited to the PowerFlex Yen savings account at maturity, and Yen savings account interest rates displayed at the branch counters will apply.
The total interest is obtained by multiplying the number of years by the simple interest. Actual numbers may differ slightly as 1 year is calculated on a 365-day-a-year basis.
Please read the Product Description carefully and understand the product well before opening the time deposit by your judgment and responsibility.Confirm that the purchase amount does not exceed your excess fund.Brochures are available at our branches for further information regarding Powered Teiki Plus deposits.

About Powered One Plus

In principle, cancellation is not permitted before maturity. If we find it necessary to accept a cancellation before maturity, we will cancel the deposit and any additional amount, and will deduct the cost of restructuring the deposit and other costs incurred by the Bank for the period from cancellation to maturity. The remainder will be credited to your PowerFlex Yen savings account. Please note that in this case, your principal is not guaranteed.
Funds are credited to the PowerFlex Yen savings account at maturity and the Yen Savings Deposit interest rate applies after maturity of this deposit.
Please read the Product Description carefully, and be sure you understand the details of the product and exercise independent judgment in making decisions when depositing. Product Description is available at branches.
Powered One Plus is covered by deposit insurance.
Interest is as of November 10, 2006. We may stop handling this time deposit or revise the interest rates depending on the market environment.
This product is not available between 10 p.m. Thursdays and 9 a.m. Fridays each week due to the updating of information. The schedule may differ on holidays.

About Power Step Up Yokin

We may stop handling this deposit or revise the interest rate and bonus interest, depending on the market environment.
In principle, cancellation is not permitted before maturity. If the Bank finds it necessary to accept a cancellation before maturity, the Bank will cancel the deposit, and will deduct the cost of restructuring the deposit for the period from cancellation to maturity, and other costs incurred by the Bank from the principal. The remainder will be credited to your PowerFlex Yen savings account. Please note that, in this case, your principal is not guaranteed.
3 years* (initial deposit term). However, if the Bank decides to extend the deposit term, it will be possible for another 1 year, from the maturity date immediately after the Extension Judgment Day. If the deposit term is extended every year, then the final maturity date of the deposit could be 10 years from the first business day after the booking period for the product closes.
Principal and interest are credited to the PowerFlex Yen savings account at maturity, and Yen savings account interest rates displayed at the branch counters will apply.
At maturity (i.e., after 5 or 10 years), the principal is deposited into your PowerFlex Yen Savings Deposit.
This is not part of over draft service.PowerFlex account holders are eligible.
Funds are credited to the PowerFlex yen savings account at maturity and the Yen Savings Deposit interest rate applies after maturity of this deposit.
Please read the Product Description carefully and understand the product well before opening the time deposit by your judgment and responsibility.Confirm that the purchase amount does not exceed your excess fund. Brochures are available at our branches for further information regarding Powerstep up Yokin.

About Double-Interest Chance TD

Depending on market conditions, Shinsei Bank may change the applicable interest rate or stop offering this product.
We determine the special interest rate may or may not be given annually after 2nd year.
When Yen market price against US dollar is weaker than or the same as a strike rate on the interest determination day (2 business days before the interest payment day), it applied special interest rate in addition to the basic interest rate.(When yen market price against US dollar is stronger than a strike rate on the determination day,it is not applied special interest rate.)
Cancellation before maturity is not permitted. If we find it necessary to accept cancellation before maturity, we will cancel the deposit and the remaining amount which we will deduct deposit restructuring amount and other costs occurred to the bank during cancellation day to maturity day, which is calculated by our original formula. In this case, your principal is not guaranteed. Deposit may fall significantly below your original yen amount by market environment.
After maturity yen savings interest rate will be applied and the above interest rate will not be applied.
Brochures are available at our branches.
Only individual customers with Power Flex accounts is avaiable.

About Powered Teiki

PowerFlex account holders are eligible.
Deposit amount: Equivalent amount of 1 million yen in units of one yen.
Term: 1 month, 3 months, 6 months,1 year
There is no automatic extension for this deposit.
The maturity date corresponds with the deposit date for each term. When the relevant date is a bank holiday or a holiday overseas, the succeeding business day will be applied instead.
The Interest rate and the Strike rate shall be determined based on the currency option market.
Determination on receiving currency at maturity: Shinsei Bank will make a judgment based on the actual exchange rate between yen and the alternate currency at 3 o'clock p.m. Tokyo Time on 2 business days before the maturity date.
Applications made later than 2 o'clock p.m. on a bank business day will be a transaction on the following business day.
In case the deposit is exchanged into the alternate currency, the matured amount converted in yen might be below the original deposited yen amount depending on the market rate.
Cancellation before maturity is not permitted. If we find it necessary to accept cancellation before maturity, we will cancel the deposit and the remaining amount which we will deduct deposit restructuring amount and other costs occurred to the bank during cancellation day to maturity day, which is calculated by our original formula, will be credited to your PowerFlex Yen savings account. Please note that in this case, your principal is not guaranteed.
We take commissions for foreign currency remittances. In case receivable currency at maturity is foreign currency and you wish to exchange the Foreign currency to Yen, the exchange rate specified by our bank (TTB) including exchange fee will be applied. Therefore, even without exchange rate fluctuation after receiving in foreign currency, the receipt amount may fall below the principal of yen that has been exchanged to foreign currency.
Brochures are available at Shinsei Financial Centers.
Please deposit any excess funds.
Foreign currency deposits are not covered by Deposit Insurance.

About Powered Teiki Plus

Interests are stated on a before tax basis, and are subject to 20% separate withholding tax.
Cancellation before maturity is not permitted. If we find it necessary to accept cancellation before maturity, we will cancel the deposit and the remaining amount which we will deduct deposit restructuring amount and other costs occurred to the bank during cancellation day to maturity day, which is calculated by our original formula, will be credited to your PowerFlex Yen savings account. Please note that in this case, your principal is not guaranteed.
Currency option is involved for Powered Teiki Plus and in case the Yen is weaker or same as the "Strike rate" on 2 business days prior to the maturity day, receiving currency of principal will be Yen. In case the Yen is stronger than "Strike rate", principal of Yen will be converted in alternate currency at "Strike rate". Each receiving principal will be deposited to Yen or Foreign currency savings account.
You may make a choice within the bank's prescribed condition (interest rate, term of deposit, and "Strike rate").
In case you receive in alternate currency at maturity and later convert it in Yen, foreign exchange handling comission will be applied (one-way 1 yen. Holidays may differ) with TTB rate designated by our bank.
In case you receive in alternate currency at maturity and later convert it in Yen, principal may be below the original deposited Yen amount depending on the market rate.
In case you receive in alternate currency at maturity deposit is not covered by Deposit insurance.
* Interest rate and strike rate defined on the day of deposit will be changed by the market environment.
* The principal is paid in Yen or foreign currency at maturity to the savings account. Foreign currency in cash is not avaialbe.We change a commission on foreign currency transfers.
Please read the Product Description carefully and understand the product well before opening the time deposit by your judgment and responsibility.Confirm that the purchase amount does not exceed your excess fund.Brochures are available at our branches for further information regarding Powered Teiki Plus deposits.

About Powered Teiki V (linked to the yield on Japanese government bond)

The above interest rate is as of June 20, 2007. Depending on market conditions, Shinsei Bank may change the applicable interest rate or stop offering this product.
Currency option is involved for Powered Teiki ‚u and in case yen is weaker or the same as the "Strike rate" two (2) business days prior to the maturity date, receiving currency of principal will be yen. In case yen is stronger than "Strike rate", principal of yen will be converted to US dollar at "Strike rate". Each receiving principal will be credited to Yen or US$ savings account.
The strike rate is decided on the next day of the end of the offering period Tokyo time 3p.m. It is possible to confirm the strike rate on the confirmation letter later.
Interest rate is 3% p.a. for the first year (2.4% p.a. after tax). From 2nd year to 5th year 1% p.a. (0.8% p.a. after tax) is added on the interest rate which is annually reviewed to link to 10-year Japanese government bond.
* The yield on 10-year Japanese government bond (the benchmark rate) is the average bid yield calculated and announced by the Japanese government based on the average bid price in the auction for "(10 year) interest-bearing government bonds" (10-year fixed-rate JGB) issued in the month in which the first date of the interest calculation period falls every year from the second year onwards.
Cancellation before maturity is not permitted. If we find it necessary to accept cancellation before maturity, we will cancel the deposit and the remaining amount which we will deduct deposit restructuring amount and other costs occurred to the bank during cancellation day to maturity day, which is calculated by our original formula, will be credited to your Power Flex Yen savings account. Please note that in this case your principal is not guaranteed.
In case receivable currency at maturity is US dollar and you wish to exchange US dollar to yen, Shinsei Bank's exchange rate (TTB/TTS) including the exchange commission shall apply. Therefore yen equivalent of a foreign currency deposit may be less than the original yen principal before it was converted to the US dollar , even if there was no exchange rate fluctuation.
In case you receive a principal in US dollar at maturity and later convert it in yen, principal may be below the original deposited yen amount depending on the market exchange rate.
In case you receive in US dollar at maturity, deposit is not covered by the Deposit insurance.
Foreign currency in cash is not available. We charge a commission on foreign currency transfers.
Brochures are available at our branches.
Only individual customers with PowerFlex accounts is available.


20 Winners will be drawn from customers, who have purchased the Bank-designated products during the period, for the prize of a JTB travel coupon worth 50,000 yen (after tax).