Document Prior to Execution of Contract of Foreign Currency Fixed Deposits(and Document for Foreign Currency Deposits, etc)
(This is a document prior to execution of contract of foreign currency fixed deposit and document for foreign currency deposits, etc.
ordered by law.)

PT. Bank Negara Indonesia (Persero) Tbk, Tokyo Branch
Address: Nurihiko Building South Tower2-10-2, Kyobashi, Chuo-ku, Tokyo

Please read this document carefully.
(As of November 22, 2021)

Key points regarding foreign currency fixed deposit
1.

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

2.

TTS rate (the rate at which Yen is converted to another currency) and TTB rate (the rate at
which a foreign currency is converted to Yen) are applied respectively when Yen is converted toanother currency (making deposit) and when a foreign currency is converted to Yen (makingwithdrawal). TTS rate is determined as follows: the middle rate (the standard rate for foreign
currency transactions between a bank and a customer, which fluctuate according to foreignexchange rate move) plus foreign exchange commission. TTB rate is determined as follows: themiddle rate minus foreign exchange commission. Foreign exchange commission is one yen forconversion to or from one US dollar.

3.

As a result, the loss of principal and interest may occur when the Yen does not fall against theforeign currency by a margin that exceeds the foreign exchange commission, not only if the Yen
has appreciated against the deposit currency.

4.

When you deposit / withdraw in the foreign currency cash, handling charge (two yen per one
US dollar) will be applied.

5.

Penalties are charged for early withdrawals of the deposit (Please see the following section on
early withdrawal for more details.). Therefore, the amount of the deposit after deduction ofpenalties may be smaller than the amount of the initial deposit.
* We accept foreign currency deposits only in UD Dollar.
* Commission is subject to change without notice any time.

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《Product Outline》
Product Name

Foreign Currency Fixed Deposit

Brief Description ofDeposit which is to be deposited in foreign currency. The interest rate is determined by deposit

Productcurrency, term, etc. and interest is paid in deposited foreign currency. In principle, early
withdrawal of this deposit is not permitted.
Depositing / Withdrawal is to be made from / to foreign currency in principle. Starting the deposit
from Yen or Withdrawal in Yen is also accepted. Foreign Exchange Commission is charged fordepositing / withdrawal in Yen (please refer the aforementioned Foreign Exchange CommissionTable).

Deposit Insurance

Foreign currency deposits are not covered by any deposit insurance.

Available to

Individual customers and corporate customers

Term



1, 3, 6 and 12 months

Automatic renewal type (both principal and interest renewal type / principle renewal andinterest receivable type) and automatic withdrawal type are available.

Making Deposits
1.

Availability

Amount for one fixed deposit should be deposited by lump sum.

2.

Deposit AmountA minimum of US$1,000.00

3.

Unit of Deposit

The second decimal place of one unit of the deposited foreign currency

4.

Applicable Currency

USDWithdrawals

The principal and interest shall be paid together at maturity.

Interest
1.

Applicable Rates

The applicable rate shall be the rate on offer for the Foreign Currency Fixed Deposit term thatapplies from the date of deposit. In the case of automatic renewal, the interest rate for the same
Foreign Currency Fixed Deposit term on offer on the maturity date shall apply.
For latest rates, please inquire at our branches.

2.

Payment Method

Interest is paid in a lump sum at maturity.

3.

Calculation Method

Interest shall be calculated in units of the second decimal place of the deposited foreign currency,
for the actual number of days deposited based on 360 days a year.

Tax on interest and exchange

For non-residence, the taxation varies depending on the double taxation treaty or otherrate gains/losses

conventions. Therefore, please consult with a chartered accountant or tax accountant for detailed
enquiries on tax in accordance with the necessity.

Commission

Amount, limit or calculation method of commission, etc. cannot be shown in advance, sincecommission is vary depending on a means of depositing / withdrawal, or a foreign currency. For
more details, please see the following Commission Table for Depositing and Withdrawal of
Foreign Currency Deposits.

Special Contractual Additions

Not applicable2

Early Withdrawal

Withdrawals are not permitted before expiry of the term, including after the renewal of thedeposits in case they are automatically renewable. In case the Bank accepts the request of early
withdrawal considering that the reason is unavoidable, the interest rate applied is that of theforeign currency ordinary deposit of the same currency on the day of early withdrawal for theperiod from the date of depositing to the date of the early withdrawal.

Contact Number

Please inquire at our branches.

Designated dispute

The Japanese Bankers Association (JBA)

resolution institution of0570-017109

or 03-5252-3772

financial ADR

RelatedApproved

Investor

None

Protection Association

Commission and Rates Concerning Foreign Currency Deposits (Deposits and Withdrawal)
Type of transaction

Commission and interest rates1Deposit

Deposit using cash (yen) TTS2 rates, which include exchange commission, are applied when converting
Transfer from yen
yen into foreign currencies (depositing). (¥1 per US$1.00)
deposits
Deposit using cash(foreign currency)¥2 per US$1.00.

Transfer from foreign
currency deposit of theclient

No fee is charged for transfers between accounts of the same holder.

Foreign currency
remitted

Fees for remittance/receipt of foreign currencies (1/20% of the value to bedeposited or minimum charge of US$10.00).

Withdrawal in cash

TTB3 rates, which include exchange commission, are applied when converting(yen)foreign currencies into yen (withdrawal).
Transfer to a yen deposit

Withdrawal
Withdrawal

Withdrawal in cash(foreign currency)(¥1 per US$1.00.)

Foreign exchange commission of ¥2 per USD$1.00.

Transfer to a foreign
No fees are collected for transfers between accounts owned by thecurrency deposit owned same holder.
by the client
Overseas remittance inforeign currency

1. Remittance fee of ¥2,000 for the remittance amount up to ¥50,000 or
the equivalent or ¥3,500 for the remittance amount exceeding¥50,000 .
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2. Fees for remittance/receipt of foreign currencies (1/20% of the value to beremitted or minimum charge of US$10.00).
3. Correspondent banks’ charges ¥1,800 may be requested depending on themeans of remittance.
Notes:

1.
2.

No consumption tax will be added to the above commission.
“TTS” stands for Telegraphic Transfer Selling Rate. TTS rates areused when converting yen into foreign currencies.

3.

“TTB” stands for Telegraphic Transfer Buying. TTB rates are used
when converting foreign currencies into yen.

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Application Form and Document at Time of Execution of Contract ofForeign Currency Fixed DepositsPT. Bank Negara Indonesia (Persero) Tbk, Tokyo Branch
Date of Application

DayMonthYear

Seal / Signature〒

Amount of Deposit（Currency / Amount）□USD

Foreign Currency:

Current Address¥

yenTel:equivalent

Name of Account Holder(Date of Birth：Term)

Instruction at Maturity□

1 month□Renewal of principal and interest□

3 months□

Interest receivable (yen deposit)□

6 months□

Interest receivable (foreign currency deposit)□12 months□

Automatic withdrawal (yen deposit)□Automatic withdrawal (foreign currency deposit)

Starting DateDayMonthMaturity DateYearDayMonthYear□ I hereby agree with the contents of “Document Prior to Execution of Contract of Foreign
Currency Fixed Deposits (and Document for Foreign Currency Deposits, etc.)” andfollowings.(Please check the box if you agree)

November 22, 2021

《Foreign Currency Time Deposit: Product Outline》

Risk / Loss

Though there is no risk of loss of principal in deposited foreign currency, theexchange rate to be used for currency conversion may fluctuate, and that
may cause an exchange loss. Therefore, the value of Yen you will receive
including interest may be smaller than the amount of Yen you initiallydeposited, if the deposit currency has depreciated against Yen.
TTS rate (the rate at which Yen is converted to another currency) and TTB
rate (the rate at which a foreign currency is converted to Yen) are applied
respectively when Yen is converted to another currency (making deposit) andwhen a foreign currency is converted to Yen (making withdrawal).
TTS rate is determined as follows: the middle rate (the standard rate forforeign currency transactions between a bank and a customer, which
fluctuate according to foreign exchange rate move) plus foreign exchangecommission. TTB rate is determined as follows: the middle rate minus
5Commission

foreign exchange commission. Foreign exchange commission is one yen forconversion to or from one US dollar.
As a result, the loss of principal and interest may occur when the Yen does
not fall against the foreign currency by a margin that exceeds the foreignexchange commission, not only if the Yen has appreciated against the deposit
currency.
When you deposit / withdraw in the foreign currency cash, handling charge(two yen per one US dollar) will be applied.
Amount, limit or calculation method of commission, etc. cannot be shown in advance, sincecommission is vary depending on a means of depositing / withdrawal, or a foreign currency. For
more details, please see the following Commission Table for Depositing and Withdrawal of
Foreign Currency Deposits.

Penalties are charged for early withdrawals of the deposit (Please see thefollowing section on early withdrawal for more details.). Therefore, theamount of the deposit after deduction of penalties may be smaller than theamount of the initial deposit.
* We accept foreign currency deposits only in UD Dollar.
* Commission is subject to change without notice any time.
Deposit Insurance

Foreign currency deposits are not covered by any deposit insurance.

Withdrawals

The principal and interest shall be paid together at maturity.

Interest
1.

Applicable Rates

The applicable rate shall be the rate on offer for the Foreign Currency Time Deposit term thatapplies from the date of deposit. In the case of automatic renewal, the interest rate for the same
Foreign Currency Time Deposit term on offer on the maturity date shall apply.
For latest rates, please inquire at our branches.

2.

Payment Method

Interest is paid in a lump sum at maturity.

3.

Calculation Method

Interest shall be calculated in units of the second decimal place of the deposited foreign currency,
for the actual number of days deposited based on 360 days a year.
Withdrawals are not permitted before expiry of the term, including after the renewal of theEarly Withdrawals

deposits in case they are automatically renewable. In case the Bank accepts the request of early
withdrawal considering that the reason is unavoidable, the interest rate applied is that of the6foreign currency ordinary deposit of the same currency on the day of early withdrawal for theperiod from the date of depositing to the date of the early withdrawal.
Tax on Interest and Exchange

For non-residence, the taxation varies depending on the double taxation treaty or other

Rate Gains/ Losses

conventions. Therefore, please consult with a chartered accountant or tax accountant for detailed
enquiries on tax in accordance with the necessity.

Contact Number

Please inquire at our branch.

Commission and Rates Concerning Foreign Currency Deposits (Deposits and Withdrawal)
Type of transaction

Commission and interest rates1Deposit

Deposit using cash (yen) TTS2 rates, which include exchange commission, are applied when converting
Transfer from yen
yen into foreign currencies (depositing). (¥1 per US$1.00)
deposits
Deposit using cash(foreign currency)¥2 per US$1.00.

Transfer from foreign
currency deposit of theclient

No fee is charged for transfers between accounts of the same holder.

Foreign currency
remitted

Fees for remittance/receipt of foreign currencies (1/20% of the value to bedeposited or minimum charge of US$10.00).

Withdrawal in cash
TTB3 rates, which include exchange commission, are applied when converting(yen)foreign currencies into yen (withdrawal). (¥1 per US$1.00.)
Transfer to a yen deposit
Withdrawal in cash(foreign currency)

Foreign exchange commission of ¥2 per USD$1.00.

Transfer to a foreign

No fees are collected for transfers between accounts owned by thecurrency deposit owned same holder.
by the client

Withdrawal
Withdrawal

Overseas remittance inforeign currency

1. Remittance fee of ¥2,000 for the remittance amount up to ¥50,000 or
the equivalent or ¥3,500 for the remittance amount exceeding¥50,000 .
2. Fees for remittance/receipt of foreign currencies (1/20% of the value to beremitted or minimum charge of US$10.00).
3. Correspondent banks’ charges ¥1,800 may be requested depending on themeans of remittance.

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Notes:1.
2.
3.

No consumption tax will be added to the above commission.
“TTS” stands for Telegraphic Transfer Selling Rate. TTS rates areused when converting yen into foreign currencies.
“TTB” stands for Telegraphic Transfer Buying. TTB rates are used
when converting foreign currencies into yen.

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