Limited-Time Offer: "Debut Support Ordinary Deposit" with an Equivalent Annual Interest Rate of 1.00% (Before Tax) on Yen Ordinary Deposits Launched

au Jibun Bank Corporation (Head Office: Chuo-ku, Tokyo; President and CEO: Kenji Tanaka; hereinafter referred to as "au Jibun Bank") will launch the "Debut Support Ordinary Deposit" (hereinafter referred to as "This Campaign") for customers who open new accounts from Wednesday, July 1, 2026.

https://www.jibunbank.co.jp/campaign/2026/20260701_debut_ordinary/

This campaign is for customers who open new accounts between Wednesday, July 1, 2026, and Wednesday, September 30, 2026. Upon meeting the application conditions, the interest rate on Yen ordinary deposits will be equivalent to a maximum of 1.00% per annum (equivalent to 0.79% after tax) for up to one year, which is the highest level in au Jibun Bank's history (Note 1). This will be achieved by providing a cash bonus equivalent to the difference between the normal interest rate and the additional interest rates from various preferential rates (Premium Rate Preference, Lump Sum Rate Preference, etc.). This allows for asset building at a higher level compared to regular Yen ordinary deposits.

For the first two months after opening an account, it can be used without any conditions for account transfers. However, from the third to the twelfth month, account transfers totaling 10,000 yen or more per month will be required. Furthermore, from the 13th month after opening an account, Yen ordinary deposits can be used at a maximum rate of 0.75% per annum (before tax) (Note 2) through a combination of various preferential rates, including the "Premium Rate Preference."

au Jibun Bank also permanently offers the "Debut Support Fixed Deposit" for new account holders, with a 3-month term at 1.35% per annum (before tax) and a 1-year term at 1.20% per annum (before tax). The number of users for the "Debut Support Fixed Deposit," launched in March 2025, has increased approximately 1.7 times (Note 3) compared to its predecessor, the "Debut Support Program," indicating strong performance. Against the backdrop of rising interest rates, there is a growing demand for asset building utilizing Yen deposits. Additionally, this period, coinciding with the summer bonus payout season, is a time when people consider investing surplus funds.

In response to these needs, we are now offering not only Yen fixed deposits, which generally cannot be withdrawn until maturity, but also Yen ordinary deposits, which can be accessed daily, at attractive interest rates, to further support the management of living expenses. During the campaign period, in addition to the permanently offered "Debut Support Fixed Deposit," customers can combine this campaign with their own life plans. This allows for flexible use according to purpose, such as managing lump sums with fixed deposits and daily-use funds with ordinary deposits.

Furthermore, au Jibun Bank offers benefits such as free ATM fees and interbank transfer fees (Note 4), making it easy to use on a daily basis even after the campaign benefits are applied. Through these convenient services, we will continue to support our customers' asset building.

(Note 1) As of July 1, 2026

(Note 2) Applicable when Premium Rate Preference is applied. Interest rate applicable from August 1, 2026

(Note 3) Debut Support Program: March 2024 - February 2025 / Debut Support Fixed Deposit: March 2025 - February 2026. Comparison of the number of new account holders in each period.

(Note 4) Jibun Plus https://www.jibunbank.co.jp/customer_stage/

[Benefits for New Account Holders]

1 Yen Ordinary Deposit

Normal

[Limited-Time Offer] New Account Opening Exclusive

(Debut Support Ordinary Deposit)

Interest Rate (Before Tax)

0.31% per annum

1.00% per annum

Interest on 1 million yen held for 1 year (After Tax)

2,476 yen

7,971 yen (Note 5)

2 Yen Fixed Deposit, 1-year term

Normal

New Account Opening Exclusive (Debut Support Fixed Deposit)

Interest Rate (Before Tax)

0.51% per annum

1.20% per annum

Interest on 1 million yen deposit (After Tax)

4,064 yen

9,563 yen

(Note 5) Total bonus amount (after tax) when maintaining an average balance of 1 million yen per month and receiving the cash bonus 12 times.

<Interest Calculation Example>

1 Yen Ordinary Deposit

・Normal Interest Rate (0.31%):

Average balance of 1 million yen x 0.31% x 28 days / 365 days = 237 yen (interest before tax)

237 yen - Tax 47 yen = 190 yen (interest after tax)

Average balance of 1 million yen x 0.31% x 30 days / 365 days = 254 yen (interest before tax)

254 yen - Tax 50 yen = 204 yen (interest after tax)

Average balance of 1 million yen x 0.31% x 31 days / 365 days = 263 yen (interest before tax)

263 yen - Tax 53 yen = 210 yen (interest after tax)

190 yen x 1 month (28-day month) + 204 yen x 4 months (30-day months) + 210 yen x 7 months (31-day months) = 2,476 yen (interest after tax)

・"Debut Support Ordinary Deposit" for new account holders, normal interest rate + cash bonus (equivalent to 1.00%):

Average balance of 1 million yen x 1.00% x 28 days / 365 days = 767 yen (interest before tax)

767 yen - Tax 155 yen = 612 yen (interest after tax)

Average balance of 1 million yen x 1.00% x 30 days / 365 days = 821 yen (interest before tax)

821 yen - Tax 166 yen = 655 yen (interest after tax)

Average balance of 1 million yen x 1.00% x 31 days / 365 days = 849 yen (interest before tax)

849 yen - Tax 172 yen = 677 yen (interest after tax)

612 yen x 1 month (28-day month) + 655 yen x 4 months (30-day months) + 677 yen x 7 months (31-day months) = 7,971 yen (interest after tax)

2 Yen Fixed Deposit

・Normal Interest Rate (0.51%):

1 million yen x 0.51% = 5,100 yen (interest before tax)

5,100 yen - Tax 1,036 yen = 4,064 yen (interest after tax)

・"Debut Support Fixed Deposit" for new account holders, normal interest rate + additional interest rate (1.20%):

1 million yen x 1.20% x 365 days / 365 days = 12,000 yen (interest before tax)

12,000 yen - Tax 2,437 yen = 9,563 yen (interest after tax)

*Interest is subject to withholding tax of 20.315% (national tax 15.315%, local tax 5%), including the "Special Reconstruction Income Tax."

[Campaign Overview]

Name

Debut Support Ordinary Deposit

Period

Wednesday, July 1, 2026 - Monday, November 30, 2026

Benefit Details

In each benefit accrual month, a cash bonus equivalent to the difference between the normal interest rate and the additional interest rates applied in the previous month (Premium Rate Preference, Lump Sum Rate Preference, au Money Live Rate Preference) will be provided, based on the average balance of Yen ordinary deposits in the previous month, equivalent to a maximum of 1.00% per annum (before tax) for up to one year.

Eligibility Criteria

Must meet all of the following conditions.

- Open a new au Jibun Bank account between Wednesday, July 1, 2026, and Wednesday, September 30, 2026.

[1] Early Entry Bonus

Conditions: Enter by the specified deadline (Note 6) Benefit Accrual Period: 1st and 2nd months after the account opening month

For July account openings

- Benefit accrual 1 month after account opening (late August)

Entry Deadline: August 16

- Benefit accrual 2 months after account opening (late September)

Entry Deadline: September 14

For August account openings

- Benefit accrual 1 month after account opening (late September)

Entry Deadline: September 14

- Benefit accrual 2 months after account opening (late October)

Entry Deadline: October 17

For September openings

- Benefit accrual 1 month after account opening (late October)

Entry Deadline: October 17

- Benefit accrual 2 months after account opening (late November)

Entry Deadline: November 16

[2] Account Transfer Debit Bonus

Conditions: Meet both 1 and 2.

1. Enter by the end of the month, two months after account opening (Note 6).

2. Have account transfers totaling 10,000 yen or more in the month preceding the benefit accrual month.

Benefit Accrual Period: Each month from the 3rd month to the 12th month after the account opening month (up to 10 months).

*Months where the conditions for the account transfer debit bonus are not met from the second month after the account opening month onwards will not be eligible for the cash bonus.

(Note 6) With a single entry for the Early Entry Bonus, you will be eligible for monthly condition assessments thereafter (unless the entry is canceled).

Benefit Provision Timing

In each benefit accrual month, if the eligibility criteria are met by the company's specified assessment date, the cash bonus amount will be calculated based on the average balance of Yen ordinary deposits in the previous month. The calculated cash bonus amount will be deposited in the benefit accrual month with the description "DEBIYU-OUENFUTSUUYOIKIN."

*Cash bonus payments will be made starting from the month following the account opening month, up to a maximum of 12 times (final cash bonus payment date: late in the same month of the following year after account opening).

Notes

- Even if the account opening application is complete, it may take 1 to 2 weeks from application to account opening. Please apply as soon as possible.

- This campaign may be changed or canceled without notice due to changes in financial conditions, etc.

- If the entry is not completed successfully due to errors in the entry details, you will not be eligible for the benefit.

- The bonus amount is calculated based on the average balance of Yen ordinary deposits. Other deposits (fixed deposits, foreign currency deposits, structured deposits, etc.) are not eligible.

- Interest on additional rates and normal rates is subject to withholding tax of 20.315% (national tax 15.315%, local tax 5%), including the "Special Reconstruction Income Tax."

- If the Yen ordinary deposit account has been closed at the time of bonus deposit, or if the deposit cannot be made for other reasons, you will not be eligible for the campaign.

- The interest rate for ordinary deposits is a variable rate. Interest rates are subject to change without notice due to financial conditions, etc.

- For details on ordinary deposits, please refer to the Ordinary Deposit Service page.

Campaign Details

https://www.jibunbank.co.jp/campaign/2026/20260701_debut_ordinary/

As a member of the au Financial Group, au Jibun Bank is committed to its purpose: "Leverage digital technology. Think from the customer's perspective. And move towards financial services that exceed expectations." The bank provides various financial services such as deposits, remittances, payments, and loans, primarily through its smartphone app. We will continue to strive for further development as a bank that realizes "Brightening the Future" by creating new experiential value that exceeds customer expectations, while aiming for the sustainable development of all stakeholders.

End