Financial Results Briefing of FY2020

Financial Results Towards a second foundation ～Transforming ourselves into a Briefing of FY2020 comprehensive life services corporate group～

◆ Financial Results of FY2020/ Business Results Forecast for FY2021 Financial Policy & Capital Policy Managing Executive Officer, CFO Shingo Baba ◆ Business Strategy for FY2021 Representative, Executive President and COO Katsumi Mizuno

This report contains forward-looking statements that reflect our plans and expectation. These forward-looking statements are not guarantees of future performance and known and unknown risks, uncertainties and other factors that may cause our actual results, performance, achievements or financial position to be materially different from any future results, performance, achievements or financial position expressed or implied by these forward-looking statements. confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 2 ◆Financial Results of FY2020/ Business Results Forecast for FY2021 Financial Policy & Capital Policy

・Financial Results of FY2020 P.4-P.8

・Business Results Forecast for FY2021 P.9-P.12

・Financial Policy & Capital Policy P.13-15

• Although the top line decreased due to the impact of COVID-19, revenue decreased and income increased due to suppression of operating expenses and reduction of credit costs

• Although the loan content has improved, a special allowance was recorded to prepare for future increases in credit costs ※ Consolidated: ¥8.7 billion, non-consolidated: ¥8.6 billion

• While positioning the maintenance and improvement of financial soundness as a priority issue, the shareholders’ equity ratio was 15.6%, which is appropriate for a milestone, and ROE was 7.1%, which is an improvement of 2.4% from the previous year ※ Medium to long term management indicators: Shareholders‘ Equity Ratio About 15%, ROE Over 10%

confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 4 Financial Results ～ Results by Business Segment(IFRS) ～ (billion yen) (billion yen) 350.0 48.3 311.4 ▲9% 50.0 ＋34% 300.0 282.6 5.3（▲23%） 8.8 40.0 250.0 17.2 5.5 (▲37%) 36.1 （＋18%） 43.1 14.5 (▲15%) 1.9 21.2 200.0 43.4 (＋1%) 30.0 12.2 6.9 12.2 (＋0%) 150.0 （＋85%） 20.0 18.0 5.4 100.0 232.4 （▲10%） 10.0 209.1 2.9 17.9（＋185%） 50.0 6.2 0.0 0.0 ※( ) Growth rate '19 '20 ※( ) Growth rate '19 '20 ■ Payment ■ Lease ■ Finance ■Real estate-related ■ Entertainment Payment business • Revenue fell (-10% YoY) due to impact of business suspensions at partner institutions and voluntary restraint on outings due to the COVID-19 pandemic. However, income increased (+185% YoY) due to a reduction in operating expenses related to card transaction volume, etc., additional transfer of provision for loss on interest repayment, and the absence of costs associated with advance renewal of IC cards. The latter two were transient factors in the previous fiscal year. Lease business • Despite the impact of business suspensions at partner institutions, etc. due to the COVID-19 pandemic, revenue increased (+0% YoY). Furthermore, income rose (+85.0% YoY) due to a reduction in the allowance for doubtful accounts, affected by the disbursement of various benefits by the national government. Finance business • Despite the impact of business suspensions at partner institutions, etc. due to the COVID-19 pandemic, both revenues (+1.0% YoY) and income (+18.0% YoY) grew due to expanded balances in Flat 35 Loans and Asset Formation Loans. Real estate-related business • Both revenue (-15.0% YoY) and income (-23.0% YoY) decreased due to reduced sales activities, etc., engendered by the COVID-19 pandemic. Entertainment business • The Company declared a business loss of ¥1.7 billion due to occurrences such as the cancellation of concerts and other performances and business suspensions at amusements facilities, arising from the impact of the COVID-19 pandemic. confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 5 Contribution by consolidated companies(IFRS)

※( ) =Year-on-year difference Non-Consolidated Consolidated Difference Ordinary income Business profit

¥38.0billion（＋¥9.67billion） ¥48.3billion（＋12.16billion） ¥10.3billion（＋2.49billion）

Major consolidated contrbution to Major equity method contrbution to subsidiaries business profit affiliates business profit

Saison Fundex Corporation Saison Information ¥4.50billion ¥1.34billion (lending business, real Systems Co., Ltd. （＋¥0.5billion）（＋¥0.42billion） estaterelated financing business) (information processing business)

Atrium Group HD SAISON Finance Company Ltd. ¥1.32billion ¥1.66billion (real estate liquidation business, (retail financing business in Vietnam）（▲¥0.23billion）（▲¥2.05billion） servicing business)

SAISON PERSONAL PLUS Takashimaya Financial Partners ¥0.93billion COMPANY LIMITED. ¥0.93billion Co., Ltd. （▲¥0.05billion） (temporary staffing business, （＋¥0.19billion） (credit card business) Servicing business)

Concerto CO.,LTD. ¥0.72billion Seven CS Card Service CO., LTD. ¥0.91billion (entertainment business, （▲¥1.44billion） (credit card business) （＋¥0.40billion） real estate rental business)

confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 6 Credit Risk Although monetary easing has improved the content of receivables, a special allowance was recorded to prepare for future increases in bad debts.

Delinquency over 90 days Delinquency over 90 days (consolidated) 5.0% (non-consolidated) 5.0% 4.0% Credit card Cash advances 4.0% 2.65% 3.0% 2.45% 2.51% 2.63% 2.57% 3.0% 1.85% 1.93% 1.91% 1.58% 1.69% 1.64% 2.0% 1.58% 1.67% 2.0% 1.52% 1.29% 1.79% 1.0% 1.71% 1.77% 1.50% 1.0% 1.40% Shopping 0.0% 0.0% '16 '17 '18 '19 '20 '16 17 '18 '19 '20 （billion yen）（billion yen） Credit cost (consolidated) Credit cost (non-consolidated) 80.0 80.0 Provision for loss on interest repayment Provision for loss on interest repayment Impairment losses on financial assets Special allowance 60.0 50.5 Special allowance 60.0 Allowance for doubtful accounts 43.3 41.5 42.5 40.0 34.2 31.8 40.0 31.4 30.1 35.2 25.4 27.9 29.1 26.1 27.3 26.1 31.7 20.0 20.0 34.0 23.1 31.4 20.4 29.5 0.6 0.1 4.2 25.4 27.9 26.1 15.9 11.1 15.3 10.7 8.6 0.0 8.7 0.0 '16 '17 '18 '19 '20 '21 est '16 '17 '18 '19 '20 '21 est -20.0 • Utilized macroeconomic variables as future forecast information and recorded additional provisions from the future forecast numbers Due to the ratio of unpaid receivables and the status of deferred payment • Due to the ratio of unpaid receivables and the status of deferred payment receivables, receivables, special allowance were recorded to prepare for future special allowance were recorded to prepare for future increases in delinquent increases in delinquent receivables, etc. receivables, etc. confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 7 Interest Repayment Claims

Additional provisions of ¥11.1 billion The Company has no plans for on a consolidated basis and ¥10.7 The Company currently has a additional provisions in the current billion on a non-consolidated basis fiscal year but will continue to were recorded in the accounts of sufficient level of provisions. monitor trends closely. FY2019.

■No. of new claims and price per claim ■Trend of provision balance due to (monthly average) interest repayment losses

Monthly average Price per claim （billion yen） (YoY) no. of claims 40.0 ・Consolidated: 5.7 bil yen (▲0.3 bil yen from FY19) ・Non-consolidated: 5.3 bil yen (▲0.3 bil yen from FY19) 2,000 No. of new claims (monthly average) 150% Price per claim (YoY) 30.5 *Non-consolidated in () 30.0 1,500 23.1 22.8 100% （28.8）

20.0 17.7 1,000 17.1 （21.3）（21.3）

50% （16.2）（16.0） 10.0 500

0 0% 0.0 '16 '17 '18 '19 '20 '16 '17 '18 '19 '20

Although the Medium-term Management Plan (FY2019 to FY2021) sets business profit of ¥60 billion as a target for FY2021, the situation has changed to one in which is difficult to achieve due to the unexpected outbreak of COVID-19. Therefore, we now use a single-year business results forecast for assessing future changes in the business environment. （ billion yen ）

Fiscal 20 Actual Fiscal 21 Estimate Differences （Ａ）（Ｂ）（Ｂ－Ａ）

Net revenue 282.6 299.5 ＋16.8

Business profit 48.3 52.0 ＋3.6

Profit attributable to

owners of parent 36.1 36.5 ＋0.3 Consolidated

Operating revenue 251.3 259.7 ＋8.3 -

Ordinary income 38.0 39.0 ＋0.9 Non

(billion yen)

Consolidated Consolidated 1.0 Consolidated 2.9 10 878.7 36.1 48.3 8.3 52.0 Reaction to 16.7167 recording 3.9 Reduced extraordinary credit loss in 10.7 costs previous 0.5 11.3113 868.6 8.181 year Related to Increased in advance Increased other Reduced in updates for operating operating non- IC cards revenue expenses operating 1.0 income

Reduced Recorded Extraordinary costs due Interest a special Reduced loss (store to COVID- repayment Reduced allowance Non-consolidated operating closure due 19, etc. for future revenue credit costs to COVID-19, 39.0 increases etc.) in credit costs Non-consolidated 38.0 Non-consolidated 28.3

Consolidated Consolidated Consolidated contribution contribution contribution 7.8 10.3 13.0

FY2019 FY2020 FY2021 Results Results Forecast

New card issuances Total cardholders Active cardholders (million) (million) (million) 3.00 30.00 20.00 26.39 25.70 25.75 14.96 14.71 13.95 2.00 1.80 20.00 1.68 （▲3%）（＋0%）（▲7%）（+5%） 1.25 10.00

1.00 （▲30%）（+33%） 10.00

0.00 0.00 0.00 '19 '20 '21 est '19 '20 '21 est '19 '20 '21 est

Card shopping Card shopping Cash advance Cash advance transaction volume Revolving balance transaction volume balance (billion yen) (billion yen) (billion yen) (billion yen) 6,000.0 500.0 300.0 300.0 4,946.9 4,954.0 426.8 4,500.3 396.0 237.5 388.8 218.8 206.0 184.2 193.0 （▲9%）（+10%）（▲9%）（+2%） 155.0 3,000.0 250.0 150.0 150.0 （▲16%）（+5%）（▲35%）（+33%）

0.0 0.0 0.0 0.0 '19 '20 '21est '19 '20 '21est '19 '20 '21 est '19 '20 '21 est

（billion yen） 2019 Jun Flat 35 (guarantee-type) 3,000 2017 Jul Saison Rent Guarantee Rent Quick 1982 Aug Lease business 1985 May Credit guarantee business 2,500 2013 Jan Asset Formation Loans 2012 Apr 2,000 “Flat 35 Plus” loan

2009 March The balance has Flat 35 loans 1,500 increased even in the current COVID-19 pandemic

1,000

500

0 '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20

Lease & rental Credit guarantee Asset formation loan Flat 35 Rent guarantee confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 12 Financial Policy (Structure of Interest-bearing Debt)

■About a sound financial base ■Regarding structure of interest-bearing debt

• Credit Rating R&I A+ • Almost 70% of the interest-bearing debt is composed of long-term funds Issuance of 20 years bonds, first in card companies • • Fixed interest rate procurement accounts for about June 2017 10billion yen, April 2018 15billion yen 60% of the total April 2019 12billion yen, January 2021 8billion yen • Committed credit line and etc. of 480 billion yen is secured in terms of liquidity facility

Balance of interest-bearing debt Long-term / fixed borrowing ratio (non-consolidated) (non-consolidated) （billion yen） 90.0% 3,000.0 ■ Borrowing ■ Bonds ■ CP ■Liquidation of receivables Long-term ratio 2,380.2 2,373.4 80.0% 2,500.0 2,201.1 35.0 55.3 1,951.6 20.0 69.3% 1,850.9 68.2% 20.0 550.0 482.0 67.3% 2,000.0 40.0 511.0 70.0% 65.9% 66.1% 389.5 358.0 467.0 505.0 1,500.0 415.0 340.0 305.0 60.0% 61.8% 62.6% 63.9% 1,000.0 60.3% 59.2% 1,255.1 1,328.2 1,331.1 50.0% 500.0 1,147.9 1,202.1 Fixed interest borrowing ratio

0.0 40.0% '16 '17 '18 '19 '20 '16 '17 '18 '19 '20 ※Securitized borrowings coinciding with the Flat 35 home loan business are calculated after excluding the interest-bearing debt balance and long-term/fixed ratio estimate. confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 13 Management indicators & Shareholder returns

Maintaining and improving financial soundness as a priority, aiming to improve asset efficiency by realizing sustainable growth through strategic investments in Japan and overseas, expanding business with excellent asset efficiency, and reducing inefficient assets.

With proper risk capital management ＜Trends of Shareholders' EquityRatio, ROA & ROE＞ Maintaining and improving financial soundness (credit ratingＡ+) （billion yen） • Knowing the possible risks for each business 550.0 Shareholders' Equity Ratio 530.9 25% • Minimizing risks by not depending on any business solely 488.8 500.0 490.9 484.6 20% • Improving asset efficiency (=profit margin) 16.4% 16.6% • Expansion of surplus quota by changing the buss 15.3% 15.6% portfolio 450.0 445.0 15%

9.8% ROE 14.4% 400.0 10% Distribution of capital surplus 8.2% 7.1% 6.2% 4.7% Aggressive investment in growing fields 350.0 ROA 5% • Strategic investments in Japan and overseas 2.0% 2.0% 1.7% 1.1% 1.1% (capital alliance / M&A) 300.0 0% • Investments in new alliances in various businesses '16 '17 '18 '19 '20

Appropriate shareholder returns Medium to long term management indicators • Stable & continuous dividends through expansion of revenue base ＜FY2021: expected dividend of 45 yen Shareholders‘ Equity Ratio About 15% per share, expected dividend payout ratio of 19.3%＞ ROE Over 10% • Stock buyback to improve capital efficiency

When the financial crisis triggered by the bankruptcy of Lehman Brothers occurred, the Company did not reduce its dividends despite a deficit of -¥55.5 billion. Furthermore, we will pay stable and continuous dividends even in an environment marked by uncertainty regarding the future spread of COVID-19. （単位：円） Share price: 2,855 yen Share price: 1,270 yen (May 14, 2021) (April 1, 2008) Transition in share price Share price: 609 yen (February 24, 2009)

（Dividend per （Dividend share: yen） payout ratio） 80 Payout ratio 60% 58.3% Dividend (Consolidated) Full migration of the per share Associated Core System (2nd release of the 50% 43.6% system) 42.9% Completion of 1st release of Restructuring of Atrium Atrium the Associated 40% Launch of Atrium Complete (company split) restructuring Core System 31.4% Reconstruction enforcement of plan 40 Plan 29.3% Money Lending 30% Business Act 23.7% 19.5% 21.5% 24.1% 20%

16.8% 14.9% 19.3% 10% 30 35 13.5% 45 yen yen yen 0 0% '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20 '21'21… Forecast Net income ▲55.5 18.6 12.8 9.4 32.7 25.5 12.6 26.1 42.2 38.3 30.5 22.8 36.1 36.5

・Business Strategy for FY2021 P.18-P.28

Transforming ourselves into a comprehensive life services corporate group I. Creation of new business (M&A, capital participation, business tie-ups, etc.) II. Achievement of customer success through fusion of real and digital

Basic Concept Innovative Digital Global

Business Human • Strengthen approach to Strategy Resources • Reconstruct domestic network Generation Z, women, seniors, and Strategy • Integrate operation of digital/IT affluent segments departments • Strategically utilize the AMEX CREDIT SAISON GROUP • Innovate personnel strategy brand • Strengthen solutions for SMEs • Strengthen global business

• Improve customer convenience Customer Group and management efficiency by Strategy Strategy • Group companies fulfill a role in promoting digitalization services and provide • Maximize the real strengths of our comprehensive lifestyle services company at the point of contact • Expand business through venture with customers investment, capital alliance, and confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. M&A 18 Promoting Digitalization, While Valuing Real Services Which Are Our Strength Achieving Customer Success by Providing Services That Are Close to the Customer

Digital

Our company’s strength in real Promoting digitalization services • Achieve in-house system development/operation • Staffed response at counters, call centers, etc. Achieve an agile service development system • Innovation at branches/operation departments Achieve through in-house IT maintenance customer • Provide a customer experience that is easy and success convenient • Improve UI/UX

• Pursue an effortless experience that eliminates customer hassle/stress

Transition from “sell out product” model to retention model

Usage Examples

Enrollment Usage Inquiries

• Provide peace of mind through • Construction of knowledge system at call • Smartphone self-contained usage notifications centers

service SAISON CARD • Provide benefits according to • Release of new services on digital Digital usage record channel to answer questions confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 19 Promotion of Proper Card Strategy Utilizing the Smartphone Self-contained Service “SAISON CARD Digital”

Digital

Conventional tie-ups SAISON CARD Digital Alliance with multiple business operators through one proper Issue affiliated credit cards (plastic card pattern credit cards) for each business operator

Makes it possible to change appearance of Alliance partners (example) credit card through issuance of digital card

confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 20 Expansion of Issuer Business and Processing Business Through Digitalization and Channel Diversification Digitalization of existing Diversification of new customer Digital tie-up card issuers development channels

Existing partners Issuer business

As a non-face-to-face channel, issue a new tie-up card with “Shop Channel” in the TV home shopping industry (scheduled for early August 2021)

Processing business

Start issuance of new credit card from Idemitsu Card “apollostation card” (from April 2021)

Card joint venture companies

Negotiations are ongoing with multiple businesses Scheduled to be released at the optimal timing confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 21 Utilizing Digitalization to Fuse Payment Business and Finance Business

Digital

Expand sales of payment-related Provide added Provide digital products to individual customers and value through products corporate customers in the Finance benefit services, etc. Business

SAISON Flat 35 Rent guarantee service Credit guarantee “Rent Quick”

• Promote digitalization (use of internet for preliminary Expand card enrollment and screening, etc.) rent payment through the rent Promote combined sales of guarantee service Rent Quick payment products/group • Promote credit card and SAISON CARD Digital products for SME owners enrollment to users of Flat 35

• Issue concept-type credit cards with clear targets • Challenge the innovation of credit model Female segment Affluent segment Start provision of new corporate credit-type business credit cards in addition to individual credit-type business credit cards Corporate credit-type (scheduled for late May 2021) business credit cards

Saison Rose Gold Daiwa Securities Saison Platinum Large American Express® Card American Express® Card enterprises (From November 2020) (From November 2020) Generation Z segment Medium-sized Young segment enterprises

Small-sized enterprises

Sole proprietors Saison Gaming Card Likeme♡by saison card (From December 2020) (From March 2021)

Promotion of brand strategy to deeply associate SAISON with AMEX

• Service development that creates a feeling of status and loyalty • Start providing new services based on the change to • Improve the quality of customer service such as concierges, etc. travel accident insurance “incidental use”

Note: Start provision from April 2021 "American Express" is a registered trademark of American Express. confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. Credit Saison Co., Ltd. uses the trademark under license from American 23 Express. Challenging New Markets by Developing New Products and New Businesses Innovative

Medical fee factoring Business loan: SAISON Value Loan Support the financing of medical companies, care companies, pharmacies, etc., whose business Full-scale development of SAISON Value Loan, management was impacted by the decrease in an unsecured business loan for corporations that outpatients, etc., due to the COVID-19 pandemic was soft-launched in September 2020 (from March 29, 2021)

Saison’s strengths: For individuals For (general consumers) Develop new products through corporations (affluent segment) credit power and utilization of (SME owners) partners/clients

New business development for achieving a comprehensive lifestyle service corporate group

• Develop solution services for luxurious and rich customer lifestyle • Utilize the Group network to create new businesses in fields such as advertising, healthcare, and pets

Innovative

Response to asset formation needs Support for retirement funds

Total managed assets Awards record (example) • Businesses that meet the changing times and customer needs; for example, products to support retirement funds Exceeded ¥400 billion (As of April 2, 2021) (7 consecutive years)

Countermeasures against infectious disease

Initiatives for next-generation financing services Solving home problems • (House cleaning, Digital asset guarantee loan and lending countermeasures against • Fundraising service KASSAI infectious disease, etc.)

confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 25 Establishing Business Foundation for Dramatic Performance — Make Global Business a Major Pillar of the Company’s Business — Global

India Vietnam Indonesia Kisetsu Saison Finance HD SAISON (India) Private Limited Finance Company Ltd. PT. Saison ビジョン Modern Finance ・Established Jun 2018 (99.99% stake) ・Established May 2015 (49% stake) ・Established Sept 2015 (82% stake) ・Digital lending business ・Retail finance business ・Digital lending / leasing business

Singapore Thailand China

Credit Saison Asia Pacific Pte. Ltd. ・Established Nov 2018 (40% stake) Credit Saison Corporation (Shanghai) ・Established May 2014 (100% stake) ・Digital credit granting / payment Limited ・overseas business development and business ・Established Mar 2005 (100% stake) integrated management ・Consulting business

Cambodia 事業領域 Vietnam Saison Capital Pte. Ltd. Idemitsu Saison Microfinance (Cambodia) Plc. Philippines ・Established Jun 2019 (100% stake) ・Investment and financing for ・Established Aug 2015 (Subsidiary of an overseas start-ups affiliated company in which CS holds a Undertaking preparations for the launch 50% stake) Cambodiaof the finance business ・Loan and installment payments business

Income contribution

'15 '16 '17 '18 '19 '20 confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 26 Concentrated Investment of Management Resources in Businesses That Contribute to Profits in Order to Make Global Business a Major Pillar of the Company’s Business Global

Kisetsu Saison Finance India (India) Private Limited

• Aim to increase loan amount by procuring funds • Start hybrid lending in addition to wholesale from local financial institutions lending and tie-up lending

Received AA+ long-term rating from CRISIL, an Indian ratings company that is a subsidiary of S&P Global

HD SAISON PT. Saison Vietnam Finance Company Indonesia Modern Finance

• Expansion of individual installment • Expand business foundation through P2P lending and payments (motorcycles, smartphones, consumer finance etc.) • Realize selection of new strategic partners • Full-scale development of credit card business

Global

CVC business Impact financing business

• Achieve strategic investment that emphasizes Southeast Current status: Pilot implementation Asian and India パ • Strengthen branding and deal sources through LP イ investment and unique scout programs ロッ Targetト sector Financial inclusion Target region Investments (example) 展 Southeast Asia technology開

Strategic partners Asset categories Supplementing resources Private debt/financing through tie-ups

Transition to full-scale implementation phase （scheduled for first half of FY2021)

confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 29 (Reference) Comparison of Share for Payment Methods in Consumer Spending in Japan and the U.S. Japan (FY 2019) U.S.A. (FY2018 → FY2023 forecast) ※ YoY in ( ) ※share forecast of FY2023 in ( )

※Japan: Calculated by our company based on sources such as the Ministry of Economy, Trade and Industry, New Payment Report, Mitsubishi UFJ Research and Consulting, and official documents from various companies. Credit card’s shares include transaction volume of corporate cards estimated at 3 trillion yen (1% of its total) ※U.S.A: Calculated by our company based on the “2015 Results and 2020 Forecast” listed in the NILSON REPORT. confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 30 Reference: Customer Ratio by Investment Profit/Loss of Major Online Investment Managers

SAISON ASSET MANAGEMENT emphasizes investor return and realizes a positive investment profit for numerous customers

As of March 31, 2018 As of March 31, 2019 As of March 31, 2020

Percentages are the ratio of customers with positive investment profits

Source: Financial Services Agency “Efforts by Financial Companies for Stable Asset Formation (November 6, 2020)” “Publication Status for Results of Customer-Oriented Business Operations (February 6, 2020)” “Publication Status for Comparable Shared KPIs at Sales Companies (May 8, 2019)” confidential Copyright © CREDIT SAISON Co., Ltd. All Rights Reserved. 31 Reference: Information on Corporate/IR Website and Integrated Report

Comprehensive renewal of corporate/IR website Issuance of integrated report to with the aim of strengthening contents and enhance disclosure improved usability of financial and non-financial (April 2021) information (first edition issued in May 2020） (second edition issued in February 2021）