Due to the enforcement of Financial Instruments and Exchange Law, some changes will be added to the operation of Power Direct.

"Financial Instruments and Exchange Law (hereinafter "FIEL")" will be in effect on September 30, 2007, along with amendment of related laws such as the Banking Law and the Insurance Business Law.

According to the amendment, some steps to make transactions on Power Direct will change.
Based on this change, the better financial solution and the more appropriate operations suitable for you will be provided. Please confirm the changes in the transactions on Power Direct. Your understanding and cooperation are greatly appreciated.

1. Your suitability for the products you'd like to purchase will be examined by asking your personal knowledge and experiences.
2. Before you purchase, written explanations which contain information such as risks on buying the product will be delivered by electronic way.
3. Written documents to check the details of the transaction you made will be sent to you. (Except for Time Deposits)

2007/9/28

Products under "Investment" menu in Power Direct.

• Time Deposits (Power Builder, Power Support Plus, and Foreign Currency Time Deposit)
• Structured Deposits
• Investment Trust (Buy, Switch)
• Investment Trust (addition of Document In A Written Format Before Making A Contract)

1. Questions to check your suitability

After selecting the products shown above, four questions shown below will be asked. Then we will judge whether they are suitable for customer's needs.
Please be forewarned that we may not accept or ask you to reconsider the application for your contract in light of FIEL depending on the above-mentioned items, your knowledge or age.

Questions :

1. Your investment objective
2. Nature of your investment fund
3. Your investment experience
4. Your financial situations (The proportion of holding risk products out of your total financial asset balance).

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2. Issue of Written explanation of products and contract details (Document In A Written Format Before Making A Contract)

Before making transaction of the products mentioned, agreement by reading the products' feature and details in writing format is required.
Specifically by the products and transactions, the latest version of Document In A Written Format Before Making A Contract is available by clicking the button, the square area surrounded by red line in the screen samples below.
(the name of Document In A Written Format Before Making A Contract differs by products)

a. Foreign Currency Time Deposits / Power Support Plus / Power Builder : (Ex. Power Builder)

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b. Structured Deposits (Ex. Double Interest Chance TD)

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c. Investment Trust

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d. First time on buying Investment Trust (Ex. Opening new account of Investment Trust)

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3. Document In A Written Format at the time of Making A Contract

According to the Financial Instruments and Exchange Law, it is regulated to deliver Document In A Written Format at the time of Making A Contract to confirm the contents of the contract when the contract is made.
Shinsei Bank will send the Document In A Written Format at the time of Making A Contract to the address registered for each account. (Except for Foreign Currency Time Deposits, Power Builder, Power Support Plus)

4. Other Changes

a. The menu which was written as "Other Time Deposits" now divided into Yen TD and FCY TD.

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b. "Redeem Both" will be the only choice for the action to be taken when account of Power Support Plus and Foreign currency Time Deposit mature .

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c. Some of the products and services will be suspended or stop sales temporarily. For more information, please refer to our website.

If you need some more information, please call Shinsei Power Call

0120-456-007