Shinsei Bank Expands T-Point Program

2016.03.07 Press Releases
Shinsei Bank, Ltd. / T-Point Japan Co., Ltd.

- Relaunched as "T Point Program 2016," T Points are awarded even for investment trust and foreign currency deposit transactions -

Shinsei Bank, Limited (Representative Director, President and CEO: Hideyuki Kudo; hereinafter, "Shinsei Bank") will expand its program for awarding "T Points"*, a shared points service operated by T Point Japan Co., Ltd. (Representative Director, President and CEO: Muneaki Masuda; hereinafter, "T Point Japan"), a consolidated subsidiary of Culture Convenience Club Co., Ltd. (Representative Director, President and CEO: Muneaki Masuda; hereinafter, "CCC"), to customers of Shinsei PowerFlex Comprehensive Accounts, as the "T Point Program 2016" from Friday, April 1, 2016.

Through a business partnership with T Point Japan, Shinsei Bank has been running programs and campaigns since September 2013 that award T Points to "T Members" who use T Points when opening a Shinsei PowerFlex Comprehensive Account or using products and services. Initially, in order to raise awareness of Shinsei Bank's T Point service and encourage customers to use it, points were awarded mainly for online transactions and ATM use. In April 2015, we created a program for awarding points and began offering T Points for everyday banking services such as making bank transfers and registering for automatic withdrawals. In addition, in fiscal 2015 we began focusing on awarding T Points for in-store transactions. As a result, we have seen some success in attracting new customers and revitalizing transactions, with accounts recently opened through T-Point programs and campaigns accounting for 20% of all new account openings. For this reason, in this renewal, in addition to the program transactions that began in April 2015, T Points will be awarded for investment trust and foreign currency deposit transactions, expanding the opportunities for point awarding. Points that were previously awarded for opening an account by mail or via smartphone app will also be expanded to include customers who open an account in-store. Please see below for details on the changes to the T Point Program.

In its third medium-term management plan, Shinsei Bank aims to make multi-layered use of the Shinsei Bank Group's customer base. As the T Point service is one of the important strategies to achieve this, the Shinsei Bank Group will consider further expanding the T Point service, leading to an increase in the number of users of the group's products and services. In addition, T Point Japan will continue to expand the program to create an environment where T members can easily accumulate T Points.

(*) "T Points" is a common points service provided by T Point Japan Co., Ltd. As of the end of January 2016, the number of members was 57.07 million (active unique number), and as of the end of January 2016, there were 132 T Point partner companies nationwide, covering approximately 490,000 stores. T Points is Japan's largest common points service, and can be used in a wide range of areas closely related to daily life, such as TSUTAYA, FamilyMart, ENEOS, Gusto, Yahoo! Shopping, and SoftBank mobile phones.

Overview of the T-Point Program Revision (from April 1, 2016)

New point services added to the "T Point Program 2016"

Transactions and procedures	T points awarded	Eligibility criteria
Entry into the T-Point Program	1 point (once a month)	By entering the T Point Program, you will receive 1 point each month.
Mutual fund trading	Investment trust transaction amount (total up to the end of the third month after the month of opening the investment trust account) 10,000 yen or more but less than 300,000 yen: 100 points 300,000 yen or more but less than 1 million yen: 5,000 points 1 million yen or more: 20,000 points	You will receive up to 20,000 points depending on the total transaction amount of eligible investment trusts up to the end of the third month following the month in which you opened your investment trust account. Domestic investment trusts (excluding Nomura Funds-i series) If the application date for purchasing an investment trust is within the applicable period, the total transaction amount will be included even if the settlement date is after the applicable period. *The total amount does not include transactions using savings, switching, NISA accounts, or transactions to which NISA Plus applies.
Foreign currency deposit transactions	Foreign currency deposit transaction amount (total) 100,000 yen or more: 20 points 500,000 yen or more: 100 points 1 million yen or more: 200 points	You will receive up to 200 points each month based on your monthly foreign currency deposit transactions. Eligible transactions include transfers from yen ordinary deposits to foreign currency ordinary deposits, and deposits from yen ordinary deposits to two-week foreign currency deposits and foreign currency time deposits (including the trial foreign currency plan). *Exchanges from foreign currency to yen and from foreign currency to foreign currency are not eligible.
Investment trust savings	Earn 5 points every month by using investment trust savings.	You will receive 5 points every month if you make one or more withdrawals from your investment trust. *This applies to the month in which the withdrawal was made due to investment trust savings.
Foreign Currency Savings (Power Builder)	Earn 5 points every month when you use foreign currency savings	If you make one or more withdrawals from your foreign currency savings account, you will receive 5 points each month.

*Eligible products and points may be subject to change.

Points services with changing points and conditions

Transactions and procedures	T Points to be awarded under the T Point Program 2016 (from April 2016 onwards)	T Points awardedCurrent T Point Program (until the end of March 2016)
Using E-net ATMs	10 points for each deposit or withdrawal / Maximum 20 points per month (at least twice a month)	15 points for each deposit or withdrawal / Maximum 30 points per month (at least twice a month)
Transfer deposit	For transfers of 10,000 yen or more from other banks, etc. (for a period of three months including the month the account was opened): 100 points per transaction, up to 400 points per month (normally (four months after the month the account was opened)): 25 points per transaction, up to 100 points per month	For transfers of 100,000 yen or more from other banks, etc., you will earn 25 points per transaction and up to 50 points per month.
Automatic debit registration	New registration: 100 points per registration, up to 200 points per month	New registration: 100 points per registration (no monthly limit)

*Eligible transactions and points may change.

Ending point service

Transactions and procedures	overview	remarks
lottery	Each month, based on the end-of-month balance of the designated deposits at our bank: 10 people will receive 10,000 points; 100 people will receive 1,000 points; 1,000 people will receive 100 points.	The lottery points will end with the lottery in March 2016.

Reference: Overview of the continuing T-Point program

The following programs will continue to be available under the "T Point Program 2016".

Transactions and procedures	T points awarded	Eligibility criteria
Open an account	500 points	You must register for the T Point Program by the end of the month following the month in which you open your account. *Opening over-the-counter accounts will be added to the program from April 2016. The entry method will change from April 2016. Please refer to the attachment for details.
Account opening	1,000 points	T Card Plus members must enter the T Point Program by the end of the month following the month in which they open their account, using the method specified by the bank. *Opening over-the-counter accounts will be added to the program from April 2016. The entry method will change from April 2016. Please refer to the attachment for details.
Shinsei Power Direct Login	10 points	Log in to Internet Banking (Shinsei Power Direct) at least once by the end of the third month following the month in which you opened your account.
Setting up a startup yen fixed deposit	1 million yen to less than 3 million yen: 60 points 3 million yen to less than 10 million yen: 200 points 10 million yen or more: 600 points	The total balance at the end of the three months after the account opening is 1 million yen or more. * Transactions can be made in-store, by phone, or online.
Using overseas ATMs	50 points per transaction / Maximum 100 points per month	Withdrawing funds from ATMs located overseas. You can use CDs and ATMs that display the PLUS mark (you must apply for a change to your limit in advance). The minimum available amount varies depending on the ATM. The usage time for the applicable month is Japan time.
PowerSmart Home Loan Contract	5 million yen or more but less than 10 million yen: 5,000 points 10 million yen or more but less than 20 million yen: 10,000 points 20 million yen or more: 20,000 points	You will receive up to 20,000 points depending on the amount of your PowerSmart Home Loan contract.

Materials related to this matter
Shinsei Bank Expands T-Point Program

Inquiries regarding this matter
T Point Japan Co., Ltd.
Public Relations Officer: Ando
TEL: 03-6800-4464