Introducing the new "T-POINT x Shinsei Bank Power Smart Home Loan" that allows you to receive 1,000 T-POINT every month for 10 years

2016.10.03 Press Releases
Shinsei Bank, Ltd. / T Point Japan Co., Ltd.

- Unique mortgage loan offering a total of 120,000 T-POINT available from Monday, October 3rd -

Shinsei Bank, Ltd. (Chuo-ku, Tokyo; President and CEO: Kudo Hideyuki; hereinafter, "Shinsei Bank") will begin offering the "T-POINT x Shinsei Bank Power Smart Home Loan" (hereinafter, "T-POINT x Home Loan") from Monday, October 3, 2016. If certain conditions are met, this mortgage loan product will grant 1,000 T-POINT (※1), a common points service operated by T Point Japan Co., Ltd. (Shibuya-ku, Tokyo; President and COO:Kazuhiko Kitamura; hereinafter referred to as "T Point Japan"), for each scheduled repayment each month from the time of borrowing until the 120th repayment (10 years), for a total of 120,000 points.

T-POINT x Home Loan is a product available to T Members who use T-POINT, who sign a Power Smart Home Loan contract with our bank for a loan amount of 20 million yen or more, a loan term of 20 years or more, and who select a designated interest rate such as a long-term fixed interest rate. However, if you make an early repayment, T-POINT will no longer be awarded. (For product details, please refer to the attached product overview. )

Since September 2013, Shinsei Bank has been collaborating with T Point Japan to offer programs and campaigns that award T-POINT to T Members when they open a Shinsei PowerFlex Comprehensive Account or use products and services. For home loans, we offer a program that awards a certain number of T-POINT to customers who sign new or refinanced loan contracts (*2). The number of home loan customers using the T-POINT Program is on the rise, exceeding 20% in fiscal 2015 (*3), and awareness of Shinsei Bank among T Members is growing. Compared to the demographic of customers who take out home loans with Shinsei Bank, the demographic of T Member customers is relatively younger, for example, which makes it possible to approach a different user demographic. Therefore, Shinsei Bank will offer T-POINT x Home Loans as a unique home loan in this era of low interest rates, and will expand the range of products and programs that T Members can choose from to earn T-POINT when taking out home loans.

At Shinsei Bank, the T-POINT Service is one of the important strategies for achieving the multi-layered utilization of the Group's customer base, which is the goal of the Third Medium-Term Management Plan. Therefore, we will work to further expand the T-POINT Service within the Shinsei Bank Group. In addition, T Point Japan will continue to expand the program to create an environment where T members can easily accumulate T-POINT.

(※1) "T-POINT" is a common points service provided by T Point Japan Co., Ltd. As of the end of August 2016, the number of members was 59.81 million (active unique number), and as of the end of August 2016, there were 158 T-POINT partner companies nationwide, covering approximately 560,000 stores. T-POINT 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.
(※2) The "T-POINT x Shinsei Bank Power Smart Home Loan" cannot be used in conjunction with the "ANA Mileage Club Member Exclusive Home Loan Program," "Home Loan T-POINT Program," or "Home Loan Big Point Gift Campaign."There are other programs that can be used in conjunction with the T-POINT Program (http://www.shinseibank.com/service/tpoint/ Please refer to the following.
(※3) Based on the number of Shinsei Bank PowerSmart Home Loan contracts.

T-POINT x Shinsei Bank Power Smart Home Loan (T-POINT x Home Loan)

■Terms of Use
All of the following conditions must be met:
・Loan amount must be 20 million yen or more and the loan period must be 20 years or more.
Select the desired interest rate type
・Please apply for T-POINT x Home Loan before the contract details are finalized.
・After signing the mortgage contract, please specify your T-member number on the application form by the first scheduled repayment date.

* Bonus repayments are not eligible.

■Available interest rates (as of October 3, 2016)
・Initial fixed interest rate type: 10 years, 15 years, 20 years
・Long-term fixed (fixed for the entire term) interest rate type: 25 years, 30 years, 35 years

■Minimum transaction amount
・Loan amount of 20 million yen or more

*Renovation loans made by the same person can be combined.
*In the case of pair loans, the loan amounts must not be combined and each loan amount must be 20 million yen or more.

■T-POINT gift contents and how to earn T-POINT
・For the first 10 years after borrowing, you will receive 1,000 T-POINT every month.

[Notes regarding "T-POINT x Home Loan"]
Important points regarding "T-POINT x Home Loan"
●This does not apply to customers who take advantage of various campaign programs, corporate-affiliated home loans, real estate company-affiliated home loans, or preferential treatment through our bank's employee savings plan.
●In accordance with the Act against Unjustifiable Premiums and Misleading Representations, there are restrictions on the interest rate types you can choose. In addition, semi-annual increased repayments (bonus repayments) cannot be used as a repayment method.
●You cannot apply for the Peace of Mind Pack W (double).
●T-POINT will be awarded the following month, with the last day of the month in which the scheduled repayment is made as the base date.
●If there are any overdue scheduled repayments as of the reference date, no T-POINT will be given the following month.
●If there is a change in the T Member number that is eligible for the gift, please complete the required procedures by the scheduled repayment date each month. This will be reflected in the points gift for the following month. Points will not be awarded if a valid T Member number is not registered.
●If we are unable to award T-POINT due to the two reasons above, we will not award them retroactively even after the reasons have been resolved.
●After borrowing, you can make early repayments, but the T-POINT gift will end after early repayment. Please be aware of this in advance.
For more information, please contact Shinsei PowerCall (Home Loans Only) (0120-456-515 / 9:00-19:00 / Open on weekdays, Saturdays, Sundays and public holidays ).
[As of October 7, 2016]

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Materials related to this matter

Introducing the new "T-POINT x Shinsei Bank Power Smart Home Loan" that allows you to receive 1,000 T-POINT every month for 10 years

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