Procedures for Foreign Currency Deposit Transactions

Please read this document carefully. Before investing in foreign currency deposits, we recommend you to have full understanding of the product, associated risks, and commissions described below.
The value of Yen you will receive may be smaller than the amount of Yen you initially deposited.

Risk of FCY Deposits

Though there is no risk of loss of principal in deposited foreign currency, the exchange rate to be used for currency conversion can be fluctuated, and that may cause an exchange loss and the value of Yen you will receive including interest may be smaller than the amount of Yen you initially deposited in case deposit currency is depreciated against Yen.

Summary of Commission

The exchange rates that are used to convert Yen into foreign currency and vice versa include the exchange commission. Additional charge will be applied for handling of US dollar Cash.

Summary of Foreign Currency Deposits

Deposit which is to be deposited in foreign currency. The interest rate is determined by deposit currency, term, etc. and interest is paid in deposited foreign currency. Depositing / Withdrawal is to be made from / to foreign currency in principle. Starting / withdrawing the deposit from / to Yen is also accepted.

Commission

Foreign Exchange Commission

The rate at which Yen is converted to another currency (TTS rate) and the rate at which a foreign currency is converted to Yen (TTB rate) for each includes the foreign exchange commission prescribed by Citibank (please refer following description of commission). As a result, loss of principal and interest may occur when the Yen does not fall against the foreign currency by a margin that exceeds the foreign exchange commission, not only in the case that deposit currency is depreciated against Yen.

Foreign Exchange Commission

Applicable Currencies	Foreign Exchange commission (Per unit of foreign currency)
US Dollar / Euro / Australian Dollar / New Zealand Dollar /Canadian Dollar / British Pound / Swiss Franc	1 Yen for conversion to or from 1 foreign currency 2 Yen for conversion to and from 1 foreign currency
Hong Kong Dollar / Norwegian Krone / South African Rand	0.40 Yen for conversion to or from 1 foreign currency 0.80 Yen for conversion to and from 1 foreign currency
Thai Baht	0.08 Yen for conversion to or from 1 foreign currency 0.16 Yen for conversion to and from 1 foreign currency

*	Foreign exchange commissions shown here are applicable as of October 4, 2009. Please note that these charges are subject to change without notice.

US Dollar Cash Handling Charge

When you deposit / withdraw US dollar in US dollar Cash, a handling charge (2 yen per dollar) will be applied. US dollar coins are not accepted.

Other important notice

For foreign currency time deposit, no withdrawals are allowed before maturity, including those of deposits that have rolled over automatically. However, Step Up Time Deposit can be cancelled after the first 6 months from the date of deposit.
Foreign currency deposits are not covered by any deposit insurance.
Deposit to emerging-market countries' currencies has relatively higher risks than those of the developed countries.

November, 2007

For any questions or inquiries, please contact below. (24 hours a day, 365 days a year)

Citibank account holders

Toll-free
Within Japan: 045-330-2880(telephone charges apply)
From overseas: 81-45-330-2880(telephone charges apply)

Non-account holders

Toll-free
Within Japan: 045-330-2881 (telephone charges apply)

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