Corporate Data Overview of JHF History of GHLC and JHF

June 1950 Establishment of the GHLC, and launch March 2001 Launch of MBS (Mortgage Backed of loan scheme for owner-occupied and Securities) issuance rental houses October 2003 Launch of securitization business July 1955 Establishment of housing loan insurance (Purchase Program) business October 2004 Launch of securitization business April 1957 Establishment of loan scheme for (Guarantee Program) restoration of disaster-hit houses June 2005 Launch of support scheme to facilitate for April 1965 Establishment of loan scheme for house acquiring high-quality housing through the improvement securitization business (Purchase Program) Corporate Governance April 1977 Establishment of housing loans for July 2005 Promulgation of JHF Law property accumulation saving scheme April 2007 Abolition of GHLC Establishment of JHF April 2000 Establishment of loan scheme for urban rehabilitation

（Reference）Roles Former GHLC has Played

● Approximately 30% of all houses (10 thousand dwelling units) 【 The number of houses financed by JHF (GHLC) 】

built after World War II were Cumulative total number of houses financed by JHF (GHLC) Cumulative total number of houses constructed financed by JHF (GHLC). Cumulative total number of houses financed by JHF (GHLC) The achievements of the Government Housing Loan Corporation loans reached 19.41 million Details and Features of

dwellings for 57 years from its establishment in Line of Business 1950 to its closure by the end of FY 2006. This accounts for approximately 30% of dwellings built after World War II.

FY 1950 FY 1955 FY 1960 FY 1965 FY 1970 FY 1975 FY 1980 FY 1985 FY 1990 FY 1995 FY 2000 FY 2006

Source: Survey by former GHLC

● JHF promotes measures to secure and improve the quality of houses. The GHLC contributed to the securing and improvement of the quality of houses by establishing original technical criteria and standard specifications for constructions, etc. In particular, the GHLC promoted the improvement of quality

in energy-saving houses, etc. JHF also promotes the securing and enhancing of this housing quality. CSR activities by JHF

Energy-saving houses Houses with improved durability Barrier-free accessible houses 100％ 80 100 80 67.1％ 70 70 63.6％ 60 75 60 50 50 40 50 40 28.5％ 30 30.0％ 30 20 25 20 10 10 5.5％ 0 0 0 Result for Result for Result for Result for Result for Result for FY 1996 FY 2004 FY 1996 FY 2004 FY 1996 FY 2004 【 Increase of good quality houses financed by the GHLC 】

Proven strength: The GHLC financed houses survived the Houses destructed or badly damaged Financial data Great Hanshin-Awaji Earthquake. 20 Although many houses were heavily damaged by the severely 16.3％ 15 disastrous Great Hanshin-Awaji Earthquake, surveys show that houses built with loans from the GHLC were relatively safe. 10 6.4％ Ordinary wood houses Houses built with GHLC loans 5 Based on an analysis of 3,953 Based on an analysis of 1,068 houses in the area which vibrated to the extent of the 7th degree on the Japanese earthquake 0 houses in Chuo-ku, Kobe City Ordinary Houses built with scale in Takarazuka City, Nishinomiya City, Kobe City, etc. wood houses GHLC loans Source: Survey on the damage of the Southern Hyogo Prefecture Earthquake on houses built with loans from the Government Housing Loan Corporation in 1995 Report by the Committee for the survey of the damage of the Hanshin-Awaji Earthquake, which occurred in 1995

JHF Disclosure Booklet 2012 ■ Financial data ■ Corporate Data ■ History of GHLC and JHF 101 Executives and Organization Chart Overview of JHF

Corporate Governance Finance Strategy Office

President Senior Executive Vice President Head Office Executive Vice President Senior Executive Directors

Auditor Generals

Business Underwriting Center Details and Features of

Line of Business Executives Flat 35 Promotion Office President : Shinya Shishido Senior Executive : Hiroshi Fujioka Vice President Town Development Office Executive Vice President : Masato Koumura Senior Executive Director : Takashi Hosoda Senior Executive Housing Technology Information Office Director : Takeshi Isokawa Senior Executive Director : Junichi Gohda Senior Executive Director : Yukimasa Hachino Senior Executive : Kimio Watanabe Director Debt Collection Center CSR activities by JHF Auditor General : Masanori Ishizuka Auditor General : Fujiki Hayashi Auditor General : Itsuo Houki

Financial data Branch Offices

(As of July 1, 2012)

102 JHF Disclosure Booklet 2012 ■ Financial data ■ Corporate Data ■ Executives and Organization Chart Location of Head Offi ce and Regional Offi ces

(As of July 1, 2012) Overview of JHF Hokkaido Branch Tohoku Branch Metropolitan Branch Aomori, Iwate, Miyagi, Akita, Ibaraki, Saitama, Chiba, Tokyo, Kanagawa, 〔Hokkaido Pref.〕 〔 Yamagata and Fukushima Pref. 〕 〔 Yamanashi, Shizuoka and Okinawa Pref. 〕 Higashi 2-bancho Bansui Street Kokubuncho Ha Nishikoen Street To Morioka Ha kusa Tokyo Dome JR Sapporo Hirose River k Tokyo Dome

Street u Nanboku City Nanboku san City Nishi Nishi Nishi Station Street Marunouchi Line n St Marunouchi Line Koishikawa Line Attractions 13-chome 12-chome 11-chome (Nishi 4-chome) Koishikawa Station Line Stre Attractions re Korakuen Station Korakuen et Korakuen Korakuen e Laqua Kita 5-jo Laqua t Station Ikizaka- Station Ikizaka- shita Hokkaido Hotel shita Tokyo Branch of JHF Leopalace Tokyo Dome Mi Dome Mita S ta S Koishikawa St ui Kita 4-jo Koishikawa S u Koishikawa Sendai Station Koishikawa t a d Omachi Ark Hotel Sendai at id ti L Line Sports Korakuen Tokyo o Sports Korakuen Tokyo i ob o b in Botanical Yanase (former Sendai Washington Hotel) Fujisaki Daiei o Me n a Hotel Sapporo Yayoi police box Me n a Ground Blue bldg. Dome Hotel sh e Ground Blue bldg. Dome Hotel s Gardens h j Mori i j Mori i iro St Hello iro St Hello Kita 3-jo ine n Bldg Yellow To Aoba Castle Aoba Street L n Bldg Yellow Work Ichibancho Arcade o Work r reet tati ee do LineStatio bldg. Miyagi Sendai S bldg. t eet eet Oe tr Bus station Excel Hotel 77 Bank Oedob ashi tobori Str Idabashi Sotobori S i Medical Ida So i Idabashi r Suidobash Tokyu Idabashi r Suidobash Kanda Rive Station Odori- Kita 2-jo Association Kanda Rive Station west exit Koseinenkin Royton west exit Line Hall Sapporo Line Kubo Street Chuo Police box Kubo Street Chuo Police box n JR Suidobashi t JR Suidobashi io e n ree To Fukushima ion e n at in Kita 1 -jo at in o L Idabashi St t L Idabashi Stat St o atio S o ati i h amicho St Bus depot h h c Tozai Court building Min c St T Metropolitan as ku ati ashi ku oz i ra on ra a on u ab u i Li Idab L Head Office of JHF Id /Y ine /Y ne Branch of JHF e Idabashi St e Idabashi in Nishi 11-chome in L Exit no.1 Itsub L 2nd, 5th, 6th and 7th floors u Station Tohoku Branch u k k () o a o of the Head Office building b S sh b n Tozai Subway Line tree i n a of JHF To Otamayashita a N t N Corporate Governance 1-4-10 Koraku, Bunkyo-ku, 3-13, Kita 3-jo Nishi 13-chome, 1-3-18 Katahira, Aoba-ku, 1-4-10 Koraku, Bunkyo-ku, Tokyo 112-8570 Chuo-ku, Sapporo-shi 060-0003 Sendai-shi 980-0812 Tokyo 112-8671 Tel: 03-3812-1111 (operator) Tel: 011-261-8301 (operator) Tel: 022-227-5012 (operator) Tel: 03-5800-9300 (operator)

Kita-Kanto Branch Tokai Branch Kinki Branch Hokuriku Branch Tochigi, Gunma, Niigata Gifu, Aichi and Mie Pref. Shiga, , , Hyogo, 〔 and Nagano Pref. 〕 〔 〕 〔 Wakayama and Nara Pref. 〕 〔Toyama, Ishikawa and Fukui Pref.〕 Midosuji To Shibukawa Yotsubashi-suji To Osone To JR Osone Station To Umeda Kanetsu kotsu bus stop To Sa e (Chiyoda-cho 3-chome) kai n Kita-Kanto Subw n i ay H io L igashiyama

Line Hanshin Expressway a Chuo jido yuen Branch of JHF Nishiki To Imaik Soai Gakuen Subway Midosuji Station w Street Chigusa Station e sanoga Subway awa StatA anaz Honmachi Station sa Honmachi Station K Kanazawa Subway exit no.5 u n Kinki Branch Station To Chuo-ohashi Tochigi Bank io higat C t of JHF Kanazawa Miyako Hotel Medical To Saka S Center e Hirokoji Exit no.8 Maebashi Terrsa S Mybus bus stop treet To Imaike Sengo-cho ne Hokuriku (Chiyoda-cho 1-chome) intersection Li o Osaka Meitetsu Gunma u Branch of JHF h M’ZA Bank of National Route 17 Chamber of Prefecture Risona Bank Maebashi C Commerce Kanazawa Hotel JR Subway Chuo Line City Hotel Kencho-mae Street Exit no.17 Nationa Mizuho Details and Features of l Ro To Kujo Hanshin Expressway (Senba Center Bldg.) Kanazawa ute 50 Shinkin Bank Bank Chuo Odori Street To Morinomiya Hokuriku i Shinkin Bank

ma Tokai Branch Line of Business u Ikasuri Shrine Bldg. Kanazawa-jo sur of JHF Park T Hokuriku Bank Maebashi Station To To JR Tsurumai Station To Nanba 1-8-8, Chiyoda-cho, 3-20-16, Shinsakae, Chikusa-ku, Sumitomo Seimei Bldg., Kanazawa Chuo Bldg., Maebashi-shi 371-8588 Nagoya-shi 464-8621 4-5-20 Minami-Honmachi, 4-12 Marunouchi, Tel: 027-232-6170 Tel: 052-263-2934 (operator) Chuo-ku, Osaka-shi 541-8546 Kanazawa-shi 920-8637 Tel: 027-232-6665 Tel: 06-6281-9260(operator) Tel: 076-233-4251 (operator)

Shikoku Branch Chugoku Branch Kyushu Branch Minami-Kyushu Branch Shimane, Tottori, Okayama, Kumamoto, Oita, Miyazaki 〔Tokushima, Kagawa, Ehime and Kochi Pref.〕 〔 Hiroshima and Yamaguchi Pref. 〕 〔Fukuoka, Saga and Nagasaki Pref.〕 〔 and Kagoshima Pref. 〕

Shukkeien-mae To Tenjin-kita ramp Shuk- KBC Hall Downtown area Watanabe Street Kushu Branch u keien JR Hohi Line kamats Gokoku Shrine of JHF Suizenji Station TaStation Hiroshima

Prefectural Suizenjieki-dori stop Streetcar Joint government Suzaki Park Suizenji Ekimae Street Branch of JHF Art Museum Suizenji Ekimae building Jogakuin-mae Kumamoto-ken Seven Eleven Shoppers Garden Suizenji Seinen Kaikan CSR activities by JHF Takamatsu Kita police station Tenjin Underground Daiei Palace Hinokuni Gastroenterology Higo Bank Higashi Branch Kagawa NHK Takamatsu Tennis court Shopping Mall Kankou Hotel and Surgery Credit Union Former Driver’s National Route 57 License Center Mina east bypass Hiroshima Hiroshima Tenjin Bank of Japan Kyushu Labor Keirinjo Street School for the Nibancho Elementary School Art Museum City Hospital Chugoku Credit Association Kudo Surgery & visually impaired Takamatsu Kogei High School Fukuoka (Dai-7 Myojo Bldg.) Gastroenterology Hiroshima Branch of Showa Street Clinic City bus Sunkus Branch of JHF Tenjin Central Lawson Suizenji stop Rihga Hiroshima the Bank of Japan Suizenji Mutual Tenjin Station Showa-cho Bldg. Royal Prefecture Nishitestu Inn Aid Hall Station Akarenga Fukuoka Yonbancho Hotel YMCA Bunka Hall Minami-Kyushu Hiroshima Nishitetsu Kagawa University Elementary Fukuoka Bldg. Naka River To Hakata Fukuoka Suizenji Koen Branch of JHF School Bus center/Sogo Prefectural Police Acros Fukuoka Station Suizenji Takamatsu High School Headquarters To Hiroshima (Tenjin) Park Station Station Shiun Junior Kagawa Chuo Kamiya-cho Kamiya-cho Hacchobori bus center Fukuoka City Hall High School Prefecture Park Fukuya To Nishihiroshima Mitsukoshi Mitsukoshi Kagawa University Tenmanya Kengun 2-10-8, Banc-cho, 8-3, Moto-machi, Naka-ku, 4-1-37 Tenjin, Chuo-ku, 2-16-11, Suizenji, Takamatsu-shi 760-0017 Hiroshima-shi 730-0011 Fukuoka-shi 810-8657 Kumomoto-shi 862-0950 Tel: 087-825-0621 (operator) Tel: 082-221-8694 (operator) Tel: 092-722-5018 (operator) Tel: 096-387-3701 (operator)

For consultation about Flat 35, JHF loans hallo flat35 and repayments, contact the Customer Call Center. 0570-0860-35 Financial data ・General inquiries can be made from anywhere in Japan for the cost of a local call. ・If you are using an IP phone, PHS, etc., please call the following number (regular fees apply). ・If there is any material difference between Japanese original version and this English translation, the Japanese original version shall prevail. ☎ 048-615-0420 Hours: 9:00 - 17:00 (closed on national holidays and around the New Year period)

JHF Disclosure Booklet 2012 ■ Financial data ■ Location of Head Office and Regional Offices 103 Issued by: Japan Housing Finance Agency PR Group, Corpoate Strategy Department 1-4-10 Koraku, Bunkyo-ku, Tokyo 112-8570 TEL 03-5800-8019 http://www.jhf.go.jp/

This booklet is printed on 100% post-consumer recycled paper with vegetable oil ink.

August 2012