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.

1. Value of currency option at the time of early withdrawal
2. Difference between the applicable rate on the deposit and the market interest rate (of the deposit currency) corresponding to the remaining period at the time of the early withdrawal

• * Generally speaking, the higher the exchange rate for the deposit currency and the shorter the duration period from the time of deposit, the higher the cost of cancellation.
• * Just for reference, even if withdrawing immediately after effectuating the deposit, the cost associated with the restructuring results in cancellation cost of roughly 3~4% of the principal(If 3million yen time deposit, it costs 90,000yen to 120,000yen)
• * Cancellation cost borne at the time of the early withdrawal fluctuates, depending on the status of the market at that time; therefore, cancellation cost to be borne for early withdrawal are not fixed at the time of the deposit. Also, depending on actual financial conditions, it is possible that cancellation cost borne at the time of the withdrawal could become higher than aforementioned level.