Monthly Smile

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Monthly Smile is a foreign currency time deposit service that provides monthly interest in either Yen or your original deposit currency.
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Below are the instructions for opening a Monthly Smile.

About "Personal Profiling for Investment and Foreign Currency Deposits (Personal Profiling)"

Have you completed your “Personal Profiling”?

In order to offer more suitable products, Citibank requests customers to answer a questionnaire on your knowledge, experience and purpose about investment, total financial assets, annual income etc to calculate your ‘Risk Score’.

*	If your Risk Score doesn’t meet this product’s Risk Level, purchase of this product cannot be conducted.
*	Your answers to Personal Profiling will be valid for 1 year. Please retake the Personal Profiling questionnaire if your score has expired.

Select Monthly Smile menu and check product information

Click " Time Deposits / Structured Deposits" from the main menu on the left hand side of the screen and select " Monthly Smile" below.

Confirm features of Monthly Smile.

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Select Currency and Tenor

• Currency
  Available currencies are denoted by three-letter abbreviations (USD=U.S. Dollars, etc.).
  View Currency Code Chart
• Tier Minimum
  The tier minimum is the required minimum opening deposit for a Monthly Smile.
• Tenors
  Available time periods for deposits into the Monthly Smile.
• Interest rates for each tenor
  Annual pre-tax interest rates for each tenor (%).

*	Interest rates are subject to daily updates due to market fluctuations.

Select a currency and tenor from the chart.

Clicking on the interest rate for the combination of your selected currency and tenor will take you to the next page.

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Enter Required Fields

The currency, tenor, and interest rate you selected in Step 2 will be displayed in red.

Select an account from the list from which you would like us to transfer a deposit to your Monthly Smile.

Available accounts from which deposits may be debited will be shown. These accounts will be selected from the following accounts.

• Yen Savings
• e-Savings
• MultiMoney Yen Savings
• MultiMoney Foreign Currency Savings

Enter the amount you would like to deposit.

Select a currency for your deposit from the list, then enter the amount, without commas, you would like to deposit in the box at the left. Only one-byte numbers must be used.

Example: When you would like to deposit $100,000 US dollars.

Select your desired method for receipt of your interest at maturity.

Select the conditions for your maturity instructions and check the appropriate radio buttons, then click on "Next."

You may change your maturity instructions on the page "Change Maturity Instructions" in the menu item, "Time Deposits / Structured Deposits."

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The purpose of the transaction

Select the purpose of the transaction

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Confirm Details You Entered

Details you entered in Steps 2 and 3 will be displayed.

In case Cross Currency is used.

If you choose for deposits to be debited in a different currency from your MultiMoney Foreign Currency Savings, then this would be a Cross Currency transaction. In Cross Currency transactions, your deposit in the MultiMoney Foreign Currency Savings will be converted into Yen first, then the amount of money to be debited will be converted into the foreign currency you selected for the Monthly Smile.

<Notice>Confirm your information and check the appropriate box, then click on "Execute Transaction."

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Confirmation after Transaction

Details of your Monthly Smile will be displayed.

To open another Monthly Smile, click on “Open Another Monthly Smile.”

To view or print out your transaction record, click on “View Transaction Record.”

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