Earn high interest whichever currency (yen or foreign currency) you receive the principal and interest on the maturity.

For example... • Interest rate: 4.74% p.a. (3.792% p.a. after tax) • Strike rate= Spot rate: 118.64yen/USD • Deposit amount: 3,000,000 yen
	OR
* Interest above is as of July 27, 2007. *The principal is paid in Yen or US Dollars at maturity to the savings account. Foreign currency in cash is not available. We charge a commission on foreign currency transfers.

• You can aim for higher interests than ordinary deposit in yen or foreign currency by using exchange rate fluctuation. • Exchange commissions are free. • There are varieties of interests you can choose according to term, currency, and strike rate. Many options are available according to your needs.

• Is not satisfied with the low interests of yen deposit and wants to aim at advantageous interest rates. • Is still hesitant to start a foreign currency deposit right away. • Feels uncomfortable paying "exchange fees". If you already have deposit in foreign currency, start Powered Teiki in foreign currency.

FX investment type

In case of Yen deposit, corresponding USD.

*1 At 3 o'clock in the afternoon Tokyo Time *2 Applicable exchange rate=Strike rate (The rate agreed at the time of transaction)

Yen Deposit corresponding US dollar type / Deposit amount: 3,000,000 yen • Term: 3 months • Interest rate: 4.74% p.a. (3.792% p.a. after tax) • Strike rate = Spot rate =118.64yen / USD • Deposit date: July 27, 2007 • Determination date : October 25, 2007 • Maturity date: October 29, 2007

The above terms and conditions are calculated based on conditions as of July 27, 2007. For information on daily rates and conditions, please confirm by the Rate sheet. The spot rate shall be determined by our bank based on the market rate as of 3 o'clock p.m. Tokyo time on the deposit day. (Please note that spot rate won't be noticed at the time of deposit. It will be announced later after 3pm on the day of deposit) *1 Three o'clock in the afternoon Tokyo Time *2 The principal and interest after tax (in yen) converted into US dollars by the strike rate. (Calculated by the strike rate = 118.64 yen/USD.)

Flow of transactions          Getting started Learn more about Powered Teiki          Product Description (Japanese Only) Foreign Currency Investment Type   FX investment type Are you an Account Holder?          PowerDirect Login Are you a Non Account Holder?          StarterKit Request •  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.