Detailed Description of Foreign Currency Savings Account

Available foreign currency transactions

• Opening a foreign currency savings account
  An account cannot be opened in Brazilian Real or Chinese Yuan (CNH).
• Cancellation of a foreign currency savings account
  The principal and unpaid interests at the time of cancellation shall be deposited to the customer’s yen savings account.
• Outgoing foreign currency remittance (from Sony Bank)
• Foreign currency fund transfers between Sony Bank accounts
  Outgoing foreign currency remittances and Foreign currency fund transfers between Sony Bank accounts are only available to customers physically located in Japan.
• Incoming foreign currency remittance (to Sony Bank)

Sony Bank WALLET Visa Debit function

• Local currency withdrawal at overseas ATM
• "Yen Account Assistance" function
• Settlement in foreign currency

Unavailable foreign currency transactions

• Foreign currency purchase
• Foreign currency sales
• Foreign currency time deposit account opening
• Currency-linked deposit application

US Dollar, Euro, British Pound, Australian Dollar, NZ Dollar, Canadian Dollar, Swiss Franc, Hong Kong Dollar, Brazilian Real, Chinese Yuan (CNH), South African Rand, and Swedish Krona

Minimum application amount and application unit for limit order

No interest applies when the balance is less than 10 currency units.

We will settle the accounts as shown as follows in February and August every year.

• We will calculate the interest for the period from the day following the third Sunday of February to the third Sunday of August in the same year and incorporate the interest amount to the balance of the deposit the following day.
• We will calculate the interest for the period from the day following the third Sunday of August to the third Sunday of February in the subsequent year and incorporate the interest amount to the balance of the deposit the following day.

Sony Bank exchange fees

Exchange fees for buying and selling foreign currency using Yen

Exchange against: JPY

Currency	Standard	Silver	Gold	Platinum
US Dollar	0.15 JPY	0.10 JPY	0.07 JPY	0.04 JPY
Euro	0.15 JPY	0.12 JPY	0.10 JPY	0.08 JPY
British Pound	0.45 JPY	0.30 JPY	0.25 JPY	0.20 JPY
Australian Dollar	0.45 JPY	0.30 JPY	0.25 JPY	0.20 JPY
New Zealand Dollar	0.45 JPY	0.30 JPY	0.25 JPY	0.20 JPY
Canadian Dollar	0.45 JPY	0.30 JPY	0.25 JPY	0.20 JPY
Swiss Franc	0.45 JPY	0.30 JPY	0.25 JPY	0.20 JPY
Hong Kong Dollar	0.09 JPY	0.07 JPY	0.06 JPY	0.05 JPY
Brazilian Real	0.90 JPY	0.80 JPY	0.60 JPY	0.40 JPY
Chinese Yuan	0.30 JPY	0.25 JPY	0.20 JPY	0.15 JPY
South African Rand	0.20 JPY	0.15 JPY	0.10 JPY	0.08 JPY
Swedish Krona	0.09 JPY	0.08 JPY	0.07 JPY	0.06 JPY

Exchange against: USD
EUR, GBP, AUD, NZD: Exchange fees are displayed in USD
Others: Displayed in each respective currency per 1 USD

Currency	Standard	Silver	Gold	Platinum
Euro	0.0018	0.0014	0.0012	0.0009
British Pound	0.0050	0.0026	0.0022	0.0018
Australian Dollar	0.0050	0.0026	0.0022	0.0018
New Zealand Dollar	0.0050	0.0026	0.0022	0.0018
Canadian Dollar	0.0050	0.0026	0.0022	0.0018
Swiss Franc	0.0050	0.0026	0.0022	0.0018
Hong Kong Dollar	0.0250	0.0230	0.0170	0.0100
Brazilian Real	0.0250	0.0230	0.0170	0.0100
Chinese Yuan	0.0250	0.0230	0.0200	0.0150
South African Rand	0.0250	0.0230	0.0200	0.0150
Swedish Krona	0.0090	0.0080	0.0070	0.0060

Club S rewards program

You may be eligible for preferential exchange fees in the month after the next, depending on your Club S level, if your balance satisfies predetermined requirements at the end of each month.

Club S rewards program

• Exchange fees are subject to change due to fluctuations in the foreign exchange market, etc.
• Normal exchange fees (not campaign exchange fees) are indicated

When buying foreign currency (with Japanese yen or US Dollars) to deposit it in an account, or when selling foreign currency in a foreign currency savings account (foreign currency to yen or US Dollar) to make a withdrawal, the target currency will be exchanged at an exchange rate determined by Sony Bank.

The exchange rate (limit order transaction rate) applicable to limit order purchase/sale of foreign currencies (Japanese language only).

Rounding of transaction amount

Transactions against the yen

• Buying amount when you buy foreign currency:
  • If "specified in yen", amounts below one subunit shall be rounded down.
  • If "specified in foreign currency", amounts below one yen shall be rounded up.
• Selling amount when you sell foreign currency:
  • If "specified in yen", amounts below one subunit shall be rounded up.
  • If "specified in foreign currency", amounts below one yen shall be rounded down.

Transactions against the US Dollar

• Buying amount when you buy foreign currency
  • If "specified in U.S. Dollar", amounts below one subunit shall be rounded down.
  • If "specified in any currency other than U.S. Dollar", amounts below one subunit shall be rounded up.
• Selling amount when you sell foreign currency:
  • If "specified in U.S. Dollar", amounts below one subunit shall be rounded up.
  • If "specified in any currency other than U.S. Dollar", amounts below one subunit shall be rounded down.

Any time of day except during periods of foreign currency transaction suspension or system maintenance.

Foreign currency transaction suspension time

Foreign currency remittances to Sony Bank will be deposited in the foreign currency savings account denominated in the same currency as the remittance.

Incoming foreign currency remittance

The foreign currency savings in a Sony Bank account can be remitted to domestic or overseas banks.

Outgoing foreign currency remittance

Chinese Yuan (CNH) and Brazilian Real cannot be remitted.

• Brazilian Real, Chinese Renminbi (CNH) and South African Rand, which are known as emerging-market currencies, are generally more likely to experience liquidity decline compared with those of developed countries, market function decline or large fluctuations in currency value due to change in political, economic or social circumstances, change in market environment or change in financial policies. In some cases, we may significantly revise the interest rate or suspend transactions.
• When you carry out transactions of emerging-market currencies, please understand that they involve higher risks than transactions involving developed country currencies.

Application for limit order purchase/sale of foreign currencies

You can apply for limit order purchase/sale of foreign currencies

Limit order applications must be for yen only.

Limit order price transaction is only available on our Japanese website.

Types of the limit order price

Ordinary limit order price: Buying, selling

You may apply for ten limit order prices for one currency

Composite limit order price: There are two types: "OCO" (One Cancels the Other) and "IFD" (If Done).

• OCO: Buying or selling, buying, selling
• IFD: Selling after buying
• You may apply for five limit order price for one currency.

You may apply for up to ten limit order prices for one currency (one ordinary limit order price will be counted as one order, one composite limit order price will be counted as two orders).

Limit order price specification range

You may specify a limit order price within the specification range predetermined by us for the foreign exchange rate (TTS in case of an application for buying and TTB in case of an application for selling) of Sony Bank at the time of application.

Minimum application amount and application unit for limit order

US Dollar	1,000 yen or higher in 1-yen increments; or 10 US Dollar or higher in 1-cent increments (1/100 US dollar)
Euro	1,000 yen or higher in 1-yen increments; or 10 Euro or higher in 1-cent increments (1/100 Euro)
British Pound	1,000 yen or higher in 1-yen increments; or 10 British Pound or higher in 1-pence increments (1/100 British Pound)
Australian Dollar	1,000 yen or higher in 1-yen increments; or 10 Australian Dollar or higher in 1-cent increments (1/100 Australian Dollar)
New Zealand Dollar	1,000 yen or higher in 1-yen increments; or 10 New Zealand Dollar or higher in 1-cent increments (1/100 New Zealand Dollar)
Canadian Dollar	1,000 yen or higher in 1-yen increments; or 10 Canadian Dollar or higher in 1-cent increments (1/100 Canadian Dollar)
Swiss Franc	1,000 yen or higher in 1-yen increments; or 10 Swiss Franc or higher in 1-centime increments (1/100 Swiss Franc)
Hong Kong Dollar	1,000 yen or higher in 1-yen increments; or 10 Hong Kong Dollar or higher in 1-cent increments (1/100 Hong Kong Dollar)
Brazilian Real	1,000 yen or higher in 1-yen increments; or 10 Brazilian Real or higher in 1-centavo increments (1/100 Brazilian Real)
Chinese Yuan (CNH)	1,000 yen or higher in 1-yen increments; or 10 Chinese Yuan (CNH) or higher in 1-fēn increments (1/100 Chinese Yuan (CNH))
South African Rand	1,000 yen or higher in 1-yen increments; or 10 South African Rand or higher in 1-cent increments (1/100 South African Rand)
Swedish Krona	1,000 yen or higher in 1-yen increments; or 10 Swedish Krona or higher in 1-öre increments (1/100 Swedish Krona)

If the total amount of application for buying exceeds the balance in your Yen savings account at the time of application, or if the total amount of application for selling exceeds the balance in your foreign currency savings account denominated in that currency at the time of application, you may not make an application.

For OCO (buying) and OCO (selling), the total application amount shall be calculated based on the larger application amount.
For IFD, this amount shall be calculated by adding the application amount for buying to the balance in your foreign currency savings account denominated in that currency.

Limit order price reached

In the following cases, it shall be deemed that the limit order price has been reached respectively.

• If the limit order price assumes a stronger yen rate than the foreign exchange rate of Sony Bank at the time of application (TTS in cases of application for buying and TTB in cases of application for selling), the limit order price is deemed to be reached when the foreign exchange rate of Sony Bank (TTS in cases of application for buying and TTB in cases of application for selling) is identical to that limit order price or has a stronger yen value.
• If the limit order price assumes a weaker yen rate than the foreign exchange rate of Sony Bank at the time of application (TTS in cases of application for buying and TTB in cases of application for selling), the limit order price is deemed to be reached when the foreign exchange rate of Sony Bank (TTS in cases of application for buying and TTB in cases of application for selling) becomes identical to the limit order price or has a weaker yen value.

Limit orders will not be reached outside of our foreign currency trading hours in the target currency.

Foreign Currency Trading Hours

Transactions with order price

When the limit order price is reached, we will immediately process the transaction as follows in accordance with the type of transaction you have applied for. Completion of processing below constitutes the closing of the transaction with the limit order price.

(1) Buying foreign currency

We will withdraw the application amount (if the application amount is specified in foreign currency, the amount in yen converted at "Limit order price transaction rate") from your yen savings account and deposit the amount converted at "Limit order price transaction rate" (if the application amount is specified in foreign currency, the specified amount as is) to your savings account for that currency.

(2) Selling foreign currency

We will withdraw the application amount (if the application amount is specified in yen, the amount converted to the applicable currency at "Limit order price transaction rate") from your savings account for the applicable currency and deposit the amount converted at "Limit order price transaction rate" (if the application amount is specified in yen, the specified amount as is) to your Yen savings account.

The limit order transaction will not be closed and the application will be invalid if withdrawal fails due to an insufficient balance in your savings account (including cases in which the balance is insufficient due to a changed transaction amount).

If two or more limit values are reached at the same time, the above procedure will be taken in order of application date, whichever is earlier.

The above procedure will take a certain amount of time. Therefore, the date on which the price reaches the limit value and the date the application closes may not be the same.

Ordinary limit order price
If the limit order price is reached during the effective term (but only when the limit order price is reached for the first time after application), we will process the transaction in accordance with the type of the limit order price transaction.

Composite limit order price (OCO)
Only for the limit order price first reached during the effective term (but only when the limit order price is reached for the first time after application), we will process the transaction in accordance with the type of the limit order price transaction.
For OCO (buying) or OCO (selling) in cases where several limit order prices are reached at the same time, we will process the transaction in accordance with the type of the limit order price transaction only for the limit order price nearer to the foreign exchange rate of Sony Bank at the time when the limit order price is reached. In addition, for OCO (buying or selling), we will process the transaction in accordance with the type of the limit order price transaction only for the limit order price specified at the time of application.

Composite limit order price (IFD)
When the limit order price for buying is reached during the effective term (but only when the limit order price is reached for the first time after application), we will conduct buying processing. If the limit order price for selling is subsequently reached during the effective term (but only when the limit order price is reached at the same time as the limit order price for buying or for the first time after the limit order price for buying is reached) and the buying transaction has been established, we will conduct processing for selling.
Even when a buying transaction is concluded, a selling transaction is not necessarily executed.

Limit order price transaction rate

"Limit order price transaction rate" shall be calculated with the limit order price (our foreign exchange rate presented first in cases where the limit order price is reached after the end of transaction suspension time for the given currency). If preferential treatment is given, however, the preferential amount shall be deducted from the reference foreign exchange cost.

Effective application term with limit order price

You may specify the end of the term to be any time (in one hour units) on any date during the 90-day period from the date of application. If no specification is made, the effective term shall end at 11:59 PM on the date of application.

Cancellation of application with limit order price

You may cancel the application any time up until the limit order price is reached.
Except for hours during system maintenance