Business Hours during the Year-end and New Year holidays

The business hours of our branches, ATMs and products and services during the year-end and New Year holidays will be as follows:

ATM Services Shinsei Bank branch counter Shinsei PowerDirect

Shinsei PowerCall Funds Transfer Products and Services

Maintenance Information

ATM Services

ATM	Operating hours
	Withdrawal Deposit Balance inquiry	24 hours 365 days *1、*2
Patsat ATMs	Withdrawal Balance inquiry	Weekdays 7 a.m. - 11 p.m. Sat, Sun, and national holidays 7 a.m. - 9 p.m.*1 (Operating hours on Jan 2 and 3, and Dec 31 are the same as holidays.)
	Deposit	7 a.m. - 9 p.m. 365 days *1
JR East Japan Railway ATMs	Withdrawal Balance inquiry	Same as train operating hours *1
	Deposit	Deposit service is not available.
Japan Post Bank and Post office ATMs	Withdrawal Balance inquiry *3	Weekdays, Sat 12:05 a.m. - 11:55 p.m. Sun, national holidays 12:05 a.m. - 9 p.m. *1
	Deposit *4	Weekdays, Sat 12:05 a.m. - 11:55 p.m. Sun, national holidays 9 a.m. - 9 p.m. *1
Major City banks and Mitsubishi UFJ Trust Bank ATMs	Withdrawal Balance inquiry	Until Dec. 31, 2019 ：8 a.m. - 9 p.m. Jan. 1, 2020 - Jan. 3, 2020 ：Service is not available. Jan. 4, 2020 ：8 a.m. - 9 p.m. Jan. 5, 2020 ：9 a.m. - 9 p.m. After Jan. 6, 2020 ：8 a.m. - 9 p.m.
	Deposit	Deposit service is not available.
Sumitomo Mitsui Trust Bank	Withdrawal Balance inquiry	Until Dec. 30, 2019 ：Weekdays 8 a.m. - 9 p.m. Sat, Sun, and national holidays 9 a.m. - 5 p.m. Dec. 31, 2019 ：9 a.m. - 5 p.m. Jan. 1, 2020 - Jan. 3, 2020 ：Service is not available. After Jan. 4, 2020 ：Weekdays 8 a.m. - 9 p.m. Sat, Sun, and national holidays 9 a.m. - 5 p.m.
	Deposit	Deposit service is not available.
Shoko Chukin Bank ATMs	Withdrawal Balance inquiry	Until Dec. 30, 2019 : Weekdays 8 a.m. - 9 p.m. Sat, Sun 9 a.m. - 5 p.m. Dec. 31, 2019 ： 9 a.m. -5 p.m. Jan. 1, 2020 - Jan. 3, 2020 ：Service is not available. After Jan. 4, 2020 : Weekdays 8 a.m. - 9 p.m. Sat, Sun, and national holidays 9 a.m. - 5 p.m.
	Deposit	Deposit service is not available.

• *1 ATM will not be available from 1:30 a.m. to 9 a.m. on Jan. 5, 2020 due to system maintenance.
• *2 ATM will not be available from 3 a.m. to 4 a.m. on the second and the last Sunday of each month due to system maintenance.
• *3 ATMs will be available from 7 a.m. on Mondays and days following a holiday.
• *4 Japan Post Bank ATMs located in FamilyMart generally operate from 12:05 a.m. to 11:55 p.m., 365 days a year.
  ATMs will be available from 7 a.m. on the day following the third Sunday of every month.

• ATM operating hours may differ depending on business hours of the building in which the ATM is installed and system maintenance of Shinsei Bank or partners.

Notice regarding ATM Use and Fund Transfers to Other Banks during the Year-end and New Year%27s Holidays

Shinsei Bank branch counter

Shinsei Bank branches will be open until Monday, December 30, 2019 and open from Monday, January 6, 2020.

Branches

Shinsei PowerDirect, Internet banking

Shinsei PowerDirect is available for 24 hours throughout the year except during system maintenance periods. Please click here for details regarding our system maintenance schedule.

Shinsei PowerCall, Shinsei Bank contact center

Shinsei PowerCall will be available as usual, excluding periods for system maintenance. Please click here for details regarding our system maintenance schedule.

Funds Transfer

Shinsei Bank branch counter, Shinsei PowerCall

Funds transfer requests received at or after 2:30 p.m., Monday, December 30, 2019 will be processed to credit the funds to the beneficiary account on Monday, January 6, 2020.

Shinsei PowerDirect

Shinsei PowerDirect services will not be available, e.g. regular system maintenance, for the period between 12:30 a.m. and 10:00 a.m., Sunday, January 5, 2020. Furthermore, the ATM network maintenance will be scheduled for the period between 11:52 p.m., Tuesday, December 31, 2019 and 3:50 a.m., Saturday, January 4, 2020.
Please be advised that funds transfer requests made during the abovementioned periods will be processed as follows.

Whether fund transfers from other banks is executed on the same date as request for the fund transfer will depend on the capacity of the payee bank and the maintenance status of Shinsei Bank.

Date and time	Transfers to Other bank accounts	Transfers to Shinsei Bank accounts
From 11:52 p.m., Tuesday, December 31, 2019 to 3:50 a.m., Saturday, January 4, 2020 and during regular system maintenance	Will be credited on Monday, January 6, 2020 *1	Will be credited instantly
the period between 12:30 a.m. and 10:00 a.m., Sunday, January 5, 2020	Transactions will not be available because PowerDirect will not be available *2
Other than the above	Will be credited instantly *3	Will be credited instantly

• *1 The “Transfer Inquiry/Cancellation” screen of Shinsei PowerDirect will show “the following business day” for the “Transfer date”.
• *2 Maintenance may begin or finish earlier or later than scheduled. Fund transfers to other bank accounts may be credited on the following business day even if the maintenance has finished earlier than schedule.
• *3 May be credited on the following business day, depending on the situation, etc. of the beneficiary bank.

Products and Services

The GoRemit Shinsei Overseas Remittance Services

The GoRemit Shinsei Overseas Remittance Service's final day of operation for 2019 will be 30th December (Mon), and regular operation will resume in the new year on 6th January 2020 (Mon).

A higher than usual number of transactions is expected around the year end/new year period, which may result in processing delays in some circumstances. As a result, we advise customers to avoid making transactions around this period where possible.

GoRemit

Home Mortgage

During the Year-end and New-year holidays,
Shinsei PowerCall <for Home Mortgage(0120-456-515)> will be closed from December 31,
2019 to January 5, 2020.
Details of our Home Mortgage is available at our website.

Home Mortgage

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