CORPORATE PROFILE

ACOM CO., LTD. PhiloThe Spirits of Foundatioopn : Circleh ofy Trust ACOM was founded as a draper with credo of “Putting trust on people and winning their trust back.”

ACOM was founded as“Maruito Gofuku Ten” in Kobe in 1936.

When the founder, Masao Kinoshita, started this business, he

promised himself to hold the spirit of mutual trust,“To trust

others, and win trust” as a philosophy.

The trade name,“Maruito”, was decided since the

harmonization of warp and weft, which is linked to an element

of the kimono, represents mutual trust.

“When one trusts another from bottom of one’s heart, the trust

is reciprocated without fail.” We wish to broaden such trust.

These are our withes expressed in our spirit of foundation,

“Circle of Trust”.

We have inherited the spirit of foundation,“Circle of Trust”, as

our basis of“corporate philosophy” even in our history of

continuous changes.

01 ACOM Corporate Profile President & CEO Masataka Kinoshita

By putting the customer first, we aim to become “ACOM that offers New Conveniences” and “Global ACOM” that is well known in the markets of many more countries.

We would like to express our sincere gratitude for your continuous patronage to the Group. I assumed the position of President and Chief Executive Officer of the Company as of June 23, 2021. We would like to express our sincere condolences to all those who passed away from the new coronavirus infection. We also would like to offer our heartfelt sympathy to all those who were struck by the new coronavirus infection. We pray for the earliest recovery.

■ Establish a Growth Base in the Medium-Term smartphone applications in advance, we hope to provide The business environment surrounding the Company "New Conveniences" to our customers and further is expected to remain stringent due to the intensifying increase our company's fan base. competitive environment, as well as changes in the social In addition, the behavior of purchasing products and structure such as the drop in birthrate coupled with services is shifting from real stores to e-commerce sites. aging society and changes in lifestyle amid the growing In the future, we will continue to expand and enhance impact of the spread of COVID-19 infection. our services so that such customers can use them more Under these circumstances, the Company will focus conveniently and comfortably when purchasing products on strengthening its sales and service capabilities in the and services. loan and credit card business, expanding the scale of its guarantee business and financial business in Asia in ■ Global ACOM, Aiming to be Globally Competitive collaboration with the MUFG Group, based on the We currently operate financial businesses in three know-how the Company Group has fostered such as in countries, Japan, the Kingdom of Thailand and the the consumer finance business at home and abroad as Republic of the Philippines. On the other hand, we believe well as centralization of business and other low-cost that there are still other countries where customers’ operations. Furthermore, the Company will strive to needs for“I want it now” or“I want to do it now” exist. expand investment in digitalization such as AI and RPA We will boldly attempt to expand our horizons to the rest and establish a growth base in the medium-term. of the world and explore the possibilities of those markets. By putting the customer first, we aim to become“ACOM that offers New Conveniences” and“Global ACOM” that ■ For Materialization of a Sustainable Society is well known in the markets of many more countries. The Company will continue to promote close alliance with MUFG group and contribute to the sound ■ Provide“New Conveniences” development of our domestic consumer finance market Our main business is to provide cash loans. From the as a leading company of consumer finance industry. customers’ point of view, however, cash itself is not what In order to fulfill the social responsibility and mission they need. Behind that, there is the desire to“get the expected of loan and credit card business and guarantee product now” or“enjoy the service now.” Customers use business and become a company that grows together our service because they do not have any other means of with society, we aim to further promote compliance and finance. CS management and enhance corporate value. At the Regardless of whether the settlement means is by cash same time, we will strive to work toward the resolution or cashless, the customer's needs of“I want it now” or of social issues under the SDGs to contribute for “I want to do it now” never change. By preparing a system materialization of a sustainable society. that supports cashless payment via credit cards and

ACOM Corporate Profile 02 CoVisionrp Structureorate Vision

The Spirit of Foundation

Circle of Trust

Origins of Company Name

Affection Confidence Moderation

Corporate Philosophy

ACOM, based on the spirit of human dignity and in putting customers first, is contributing to the realization of an enjoyable and affluent personal life, and to improving lifestyle, through creative and innovative management.

Management Vision

Strive to become“the leading company” in personal loan market which provides prime satisfaction to the utmost number of customers and win their trust in return.

03 ACOM Corporate Profile HiProgresssto ofr“Creation y and Innovation” Started from a draper to a pawnbroker, and then to the Salary-Man Loan 1936 In December 1942, "Maruito Gofuku Ten", which had been founded in April 1936, closed down voluntarily, due to the worsening phase of the war. After that, the founder reestablished himself as a pawnbroker in July 1948. He commenced the Salary-Man Loan business probationally, in March 1960, which did not exist in the common sense, at that time.

Developed First Cash Dispenser in Japan 1970 In May 1970, first “automatic cash dispenser” in Japan was developed/set up. Its 24-hour/365-day service started in August 1973.

1978 Established ACOM CO., LTD. which aims for consumer finance in the new era In October 1978, ACOM CO., LTD. was established. ACOM promotes service expansion to establish new sense of values in consumer finance such as launching low rate policy for unsecured loan.

1979 Started 24-hour ATM Service In December 1979, an ATM which operated for 24 hours a day, for 365 days in a year, was introduced. Furthermore, ACOM promoted advanced services, including a revolving system added to card loans.

Installed "MUJINKUN", the first automatic contract machine in the industry 1993 The idea that “Customers prefer a non-face-to-face contract process” generated by an employee led to install "MUJINKUN" in July 1993. This innovative perceptional change led ACOM and the entire industry forward.

Listed ACOM stock on the over-the-counter stock market, and on the first section of 1993 the Tokyo Stock Exchange as the first in the industry In October 1993, ACOM went public, and got listed on the over-the-counter stock market. In December 1994, ACOM listed shares on the second section of the Tokyo Stock Exchange, and on the first section in September 1996.

Expanded business areas to overseas 1996 In September 1996, ACOM established "SIAM A&C CO., LTD." (present, " EASY BUY Public Company Limited," a consolidated subsidiary) as a joint venture of installment loan business (installment sales finance business) in Kingdom of Thailand, and entered into overseas financial business. In December 2007, ACOM jointly acquired "PT. Bank Nusantara Parahyangan, Tbk." in Republic of Indonesia with "The Bank of Tokyo-Mitsubishi UFJ, Ltd." (present, "MUFG Bank, Ltd.") In July 2017, ACOM established a joint venture for personal loan business, "ACOM CONSUMER FINANCE CORPORATION" in Republic of the Philippines. This company commenced operation in July 2018.

Entered into the Industry's First Credit Card Business 1998 ACOM became a principal member of Mastercard International (present, Mastercard World Wide) in July 1998, and entered into the credit card business first in consumer finance industry. Since April 1999, ACOM started issuing Mastercard® and introduced “Decentralized Instant Credit Card Issuers” as the first in the industry.

Became a member of MUFG Group 2004 In March 2004, ACOM reached an agreement with respect to a strategic business and capital alliance with "Mitsubishi Tokyo Financial Group, Inc." (present, "Mitsubishi UFJ Financial Group, Inc."), and agreed upon alliance’s further strengthening in September 2008. In December 2008, ACOM became a consolidated subsidiary of "Mitsubishi UFJ Financial Group, Inc." as the parent company.

ACOM Corporate Profile 04 SyACOMne Asr a gyMember of EMUFGf fGroupect The core company in charge of consumer finance business and guarantee business of card loans in MUFG Group

In March 2004, ACOM reached an agreement with respect to a strategic business and capital

alliance with "Mitsubishi Tokyo Financial Group, Inc." (present, "Mitsubishi UFJ Financial Group,

Inc."), and became an equity-method affiliate. In December 2008, ACOM became a consolidated

subsidiary of "Mitsubishi UFJ Financial Group, Inc." and the core company in charge of

consumer finance business and guarantee business of card loans in MUFG Group. ACOM will

concentrate management resources into loan business, credit card business, guarantee business,

overseas financial business and loan servicing business to firmly establish a revenue base for

long-term sustainable and stable growth under close cooperation with MUFG Group.

Partnership History

August 2001 March 2004 October 2005 November 2007 September 2008

Established "Tokyo-Mitsubishi Reached an agreement with After acquiring all shares of "DC Launched guarantee business of Agreed upon further strengthening Cash One Ltd." with "The Bank respect to a strategic business Servicer company., Ltd.," "IR personal card loans,“BANQUIC,” strategic business and capital of Tokyo-Mitsubishi, Ltd." and capital alliance with Loan Servicing, Inc." implemented offered by "The Bank of alliance with "Mitsubishi UFJ (present, "MUFG Bank, Ltd."), "Mitsubishi Tokyo Financial a consolidation take-over in Tokyo-Mitsubishi UFJ, Ltd." Financial Group, Inc." and "The "The Mitsubishi Trust and Group, Inc." (present, "Mitsubishi January 2006. (present, "MUFG Bank, Ltd.") Bank of Tokyo-Mitsubishi UFJ, Banking Corporation" (present, UFJ Financial Group, Inc."). Ltd."(present, "MUFG Bank, Ltd.") "The Mitsubishi UFJ Trust and December 2007 Banking Corporation"), "DC April 2004 December 2008 CARD Co., Ltd." (present, Jointly acquired "PT. Bank "Mitsubishi UFJ NICOS Co., Became an equity-method Nusantara Parahyangan, Tbk." Became a consolidated subsidiary Ltd."), and "JACCS CO., LTD." affiliate of "Mitsubishi Tokyo in Republic of Indonesia with of "Mitsubishi UFJ Financial Financial Group, Inc."（present, "The Bank of Tokyo-Mitsubishi Group, Inc." "Mitsubishi UFJ Financial Group, UFJ, Ltd."(present, "MUFG I n c . " ）. Bank, Ltd.")

05 ACOM Corporate Profile Moving Forward to Materialize Consumer Finance Synergy Effects Spreading to Other Business with High Competitive Advantages Business Segments

ACOM and MUFG strengthened business and capital Diverse business segments benefit from synergy effects alliance in order to "contribute to sound development of of becoming a consolidated subsidiary of MUFG. domestic consumer finance market through constructing First, our core loan and credit card business gained highly competitively advantageous consumer finance competitive advantages in market owing to substantial business which unites profitability and compliance by background, etc. from MUFG brand. enhancing profitability and internal control systems Moreover, guarantee business, which is regarded as the through mutual utilization of each other's expertise and second pillar business at ACOM, enjoys scale expansion management bases." as ACOM is in sole charge of guaranteeing unsecured ACOM will achieve competitive advantage in consumer card loans provided by MUFG Bank, Ltd. while promoting finance business by utilizing its expertise in credit guarantee business with top-tier regional banks in close screening, mass-scale and effective infrastructure relation with MUFG Bank, Ltd. represented by outlet/ATM network and enterprise ACOM also collaborates with MUFG Bank, Ltd. to develop system, and capability to respond to behavior regulations consumer loan business in ASEAN, actively pursuing owing to firm compliance structure. These fortes will be overseas financial business. combined with substantial brand power, strong customer MUFG acquisition and solid funding resources as the largest Powerful established brand domestic comprehensive financial group owned by MUFG. Strong customer base Excellent funding resources Holding Company Mitsubishi UFJ Financial Group (MUFG)

Synergies Bank The MUFG Bank, Ltd.

Mitsubishi UFJ Trust and ACOM Trust bank Banking Corporation Expertise in credit screening and credit provision Mitsubishi UFJ Securities Securities Holdings Co., Ltd. Extensive and efficient infrastructure Behavior regulation Leasing Mitsubishi HC Capital Inc. systems

Credit Cards Mitsubishi UFJ NICOS Co., Ltd. Collaboration and integration to produce a massive increase in competitiveness in the consumer finance industry Customer Loans ACOM Co., LTD.

April 2009 October 2010 March 2014 May 2019

"MU Communications Co., Ltd." Succeeded a part of business related Succeeded guarantee business for "PT. Bank Nusantara Parahyangan, (present, an equity-method affiliate) to credit guarantee of unsecured card financial institutions previously owned Tbk." in Republic of Indonesia merged consolidated "RELATES CO., LTD." loans for "Mitsubishi UFJ NICOS Co., by“Mobit Co., Ltd.” (present,“SMBC with "PT Bank Danamon Indonesia, which operated call center functions. Ltd." by company split Mobit Co.,Ltd.”) in absorption-type split Tbk." (the surviving company), a to MU Credit Guarantee Co., LTD. consolidated subsidiary of "Mitsubishi September 2009 established by ACOM and The Bank of UFJ Financial Group, Inc." Tokyo-Mitsubishi UFJ, Ltd. (present, Succeeded business related to credit "MUFG Bank, Ltd.") in a joint manner. guarantee of unsecured card loans for “Mitsubishi UFJ Home Loan Credit July 2014 Co.,Ltd.” by company split Established automatic contract machines at 20 off-premise ATM corners of the Bank of Tokyo-Mitsubishi UFJ, Ltd. (present, “MUFG Bank, Ltd.”) as a joint channel. *Closed all in January 2020

ACOM Corporate Profile 06 BuBusinesssin Outlineess for OACOMu Grouptline Make the best use of its expertise gained since its foundation

Loan and Credit Card Business

Customer Attracting Ability

Guarantee Credit Screening Overseas Financial Know-How Business Business Debt Collection Know-How

Loan Servicing Business

ACOM will strive to increase its market share in personal loan market as it has positioned loan business,

credit card business, guarantee business, overseas financial business and loan servicing business as its

core businesses under management vision to“become the‘leading company’ in personal loan market

which provides prime satisfaction to the utmost number of customers and win their trust in return.”

07 ACOM Corporate Profile GrACOMou Groupp StructureCom Chartpanies Through creative and innovative management, become the corporate group needed from utmost number of people

ACOM Group will further strengthen collective power of the Group and meet customers’ diverse needs based on know-how from loan business.

ACOM Group ● Number of employees 5,424(exclude MU Communications Co., Ltd.) Loan and and Loan Credit Card Business Card Credit ACOM CO., LTD.

● Business outline Principal Business: Loan Business, Credit Card Business, Loan Guarantee Business

● No. of employees 2,112 Guarantee Business Guarantee

Consolidated subsidiaries

MU Credit Guarantee Co., LTD.

● Business outline Guarantee Business

● No. of employees 75

● Investment ratio 100.00%

EASY BUY Public Company Limited 【Thailand】 Overseas Financial Business Financial Overseas ● Business outline Unsecured loan business and installment loan business

● No. of employees 2,872

● Investment ratio 71.00%

ACOM CONSUMER FINANCE CORPORATION 【Philippines】

● Business outline Unsecured loan business

● No. of employees 232

● Investment ratio 80.00%

IR Loan Servicing, Inc. Servicing Loan

● Business outline Loan Servicing

● No. of employees 133

● Investment ratio 100.00%

Equity-method Affiliate

MU Communications Co., Ltd.

● Business outline Subcontracting contact center operations/contract staff services

● Investment ratio 23.15%

as of March 2021

ACOM Corporate Profile 08 PrACOMin cGrouip’ps Principalal B Businessusinesses ■ Loan and Credit Card Business

ACOM continues to lead Japan’s consumer financial services, placing ultimate priority on meeting diverse customers’ needs.

A Customer-Oriented Sales Structure which Overview of Loan and Credit Card Business meets Needs through Diverse Channels

In loan business, we mainly provide unsecured loans in Placing ultimate priority on meeting diverse customers' Moreover, ACOM has built a sales structure which small amounts to individuals based on security of needs, ACOM expands the network of consumer finance centrally controls tasks other than face-to-face services, customers' “credits.” outlets offered through over-the-counter services and such as responding to or giving guidance on the phone, ACOM obtained an issuing license of Mastercard® in July automatic contract machines throughout Japan. ACOM the website, or the automatic contract machines, at the 1998 and achieved full-scale advancement into the credit provides not only our own ATMs, but also deposit and "call center" and “service center”. card business. We offer unique added values such as withdrawal channels in alliance with convenience stores Providing various tasks, including receiving applications and issuing credit cards 30 minutes at least after applications. and financial institutions, with the concept of customer inquiries, communicators respond appropriately Characteristics of loan and credit card business can be easy-to-provide/ easy-to-repay financing in order to to each and every customer’ s needs and strengthen customer represented by following 5S's: 1. Speediness; 2. Simplicity; enhance customers’ convenience. service through carefully-tuned response. 3. Secrecy; 4. Safety; and 5. Self Service. ACOM has Our recent initiative was enhancing internet services ACOM will continue to be the No.1 Company of the firmly established a business model securing these "5S's" provided through the PC and smartphones. We now provide customer satisfaction in our industry and meet the customer’s as the leading company in consumer finance industry. In services equal to those provided at staffed outlets and demand with gathering experiences and knowledge ACOM addition, ACOM has always been the front-runner as new automatic contract machines under our concept of reacting has fostered. service developer and garnered customers’ support. to customers’ diverse needs in detailed and swift manner. For instance, it is the service for a first-time customer, conducting from application to financing on the internet. The navigation has been enhanced, based on our concept of “you can quickly find the information you want, and Speed can achieve your purpose in the shortest time", in order to provide information services in the IT era. Self service Safety

Simple Secret

Automatic contract machine Smart Phone application

ACOM Mastercard® Card face

Sales Channel

Staffed outlet Call center Remote At outlets Customers

AT M・C D Internet Automatic contract Alliance Computer ACOM ATM machine ATM/CD Smartphone

09 ACOM Corporate Profile A Customer-Oriented Sales Structure which Credit Examination Know-how, meets Needs through Diverse Channels Improves Immediacy and Accuracy

Placing ultimate priority on meeting diverse customers' Moreover, ACOM has built a sales structure which ACOM has established credit examination know-how, on needs, ACOM expands the network of consumer finance centrally controls tasks other than face-to-face services, the basis of the database accumulated to date through outlets offered through over-the-counter services and such as responding to or giving guidance on the phone, customer transaction. This credit examination know-how, automatic contract machines throughout Japan. ACOM the website, or the automatic contract machines, at the which enables competitive advantage, has been deployed provides not only our own ATMs, but also deposit and "call center" and “service center”. through various channels, including outlet examination and withdrawal channels in alliance with convenience stores Providing various tasks, including receiving applications and application through automatic contract machine and and financial institutions, with the concept of customer inquiries, communicators respond appropriately internet application, has achieved swift financing, and has easy-to-provide/ easy-to-repay financing in order to to each and every customer’ s needs and strengthen customer been supporting customers' planned use and repayment. enhance customers’ convenience. service through carefully-tuned response. Furthermore, ACOM makes use of its credit examination Our recent initiative was enhancing internet services ACOM will continue to be the No.1 Company of the know-how into guarantee business and overseas financial provided through the PC and smartphones. We now provide customer satisfaction in our industry and meet the customer’s business, which becomes important expertise to support services equal to those provided at staffed outlets and demand with gathering experiences and knowledge ACOM our further growth. automatic contract machines under our concept of reacting has fostered. to customers’ diverse needs in detailed and swift manner. For instance, it is the service for a first-time customer, Receivables Outstanding conducting from application to financing on the internet. Loan Business Credit Card Business (100 million yen) ■ ■ The navigation has been enhanced, based on our concept 10,000 9,158 8,850 8,628 750 of “you can quickly find the information you want, and 631 787 7,500 can achieve your purpose in the shortest time", in order to provide information services in the IT era. 5,000 8,219 8,408 7,840 2,500

0 Call center 19/3 20/3 21/3

No. of accounts

Loan Business Credit Card Business (Thousands) ■ ■ 2,000 1,539 1,589 1,502 1,500

1,000

426 500 465 456 servicel center 0 19/3 20/3 21/3

* Loan Business：No. of accounts＝No. of accounts with loans receivable Credit Card Business：No. of accounts＝No. of Cardholders

ACOM Corporate Profile 10 PrACOMin cGrouip’ps Principalal B Businessusinesses ■ Guarantee Business

Endeavoring to deepen communication Growing with Financial Institutions

Overview of Guarantee Business Scheme of Guarantee Business

consumer In guarantee business, ACOM provides credit guarantees to customers using loan products provided by financial institutions in alliance. Two companies within ACOM Group ‒ ACOM and its consolidated subsidiary MU Credit ① Application ④ Contract / Card issuance Guarantee Co., LTD. (MUCG) ‒ conduct guarantee business. ACOM commenced the first guarantee alliance with The

Hokkaido Bank, Ltd. based on its sophisticated expertise Financial institution on credit screening and debt collection it has garnered in

loan business. ACOM has broadened its alliance network ② Request for ③ Request acceptance / mainly with MUFG Bank, Ltd. and top-tier regional banks. guarantee Notification of the examination examination result As of the end of March 2021, the number of financial institution in alliance is 30 banks for ACOM, 25 banks for MU Credit Guarantee MUCG and 55 banks in total for ACOM Group (including Co., LTD. overlapped 3 banks). In addition, alliance covers 41 out of 47 prefectures in Japan.

Financial Institution in alliance（as of May 1, 2021）

Alliance with ACOM ■Affiliated area

●MUFG Bank, Ltd. ●The Hiroshima Bank, Ltd. ●The Hokkaido Bank, Ltd. ●The Hyakujushi Bank, Ltd. ●The Aomori Bank, Ltd. ●The Iyo Bank, Ltd. ●The Bank of Iwate, Ltd. ●The Shikoku Bank, Ltd. ●The Yamagata Bank, Ltd. ●The Nishi-Nippon City Bank, Ltd. ●The Joyo Bank, Ltd. ●The Bank of Nagasaki, Ltd. ●The Ashikaga Bank, Ltd. ●The Oita Bank, Ltd. ●The Gunma Bank, Ltd. ●The Miyazaki Bank, Ltd. ●The Musashino Bank, Ltd. ●Bank of The Ryukyus, Ltd. ●The Hokuriku Bank, Ltd. ●Seven Bank, Ltd. ●Suruga Bank, Ltd. ●au Jibun Bank Corporation Alliance with MUCG ●The Yamanashi Chuo Bank, Ltd. ●Sony Bank Inc. ●The Hachijuni Bank, Ltd. ●MUFG Bank, Ltd. ●The Senshu Ikeda Bank, Ltd. ●The Chukyo Bank, Ltd. ●North Pacific Bank, Ltd. ●The Kiyo Bank, Ltd. ●The Juroku Bank, Ltd. ●The 77 Bank, Ltd. ●The San-In Godo Bank, Ltd. ●San ju San Bank, Ltd. ●The Akita Bank, Ltd. ●Momiji Bank, Ltd. ●The Nanto Bank, Ltd. ●The Toho Bank, Ltd. ●The Yamaguchi Bank, Ltd. ●The Tottori Bank, Ltd. ●The Tochigi Bank, Ltd. ●The Hyakujushi Bank, Ltd. ●The Musashino Bank, Ltd. ●The Awa Bank, Ltd. ●The Chiba Bank, Ltd. ●The Kitakyushu Bank, Ltd. ●Daishi Hokuetsu Bank, Ltd. ●The Chikuho Bank, Ltd. ●The Shizuoka Bank, Ltd. ●The Bank of Saga Ltd. ●The Hyakugo Bank, Ltd. ●The Juhachi-Shinwa Bank, Ltd. ●The Shiga Bank, Ltd. ●The Kagoshima Bank, Ltd. ●The Fukui Bank, Ltd.

11 ACOM Corporate Profile Guarantee Business in ACOM MU Credit Guarantee Co., LTD.

ACOM accepts guarantee business of personal unsecured MU Credit Guarantee Co., LTD. (“MUCG”) is a guarantee loans entrusted from MUFG Bank, Ltd., top-tier regional company established by ACOM and The Bank of banks, and distribution/online banks in alliance. Not only Tokyo-Mitsubishi UFJ, Ltd. (present, " MUFG Bank, Ltd.") in do we expand alliance network through search for new a joint manner, to succeed guarantee business for financial alliance partners, but also do we offer custom-made institutions previously owned by Mobit Co., Ltd. (present, guarantee schemes that meet each existing partner's “SMBC Mobit Co.,Ltd.”). It commenced operation in March differing needs by providing diverse scope of assistance 2014 and became ACOM’s wholly-owned subsidiary in ranging sales promotion to credit management. December 2015. ACOM also provide thorough support on infrastructure MUCG conducts guarantee screening business of personal and personnel such as provision of screening system unsecured loans entrusted to it. In addition, it accepts based on know-how from loan business and dispatch of applications for unsecured loans provided by some alliance expert staffs. partners with its own contact center. MUCG will establish close We will further continue our assiduous challenge to partnerships by meeting diverse needs of banks in alliance. expand business scale as the core company in charge of guaranteeing unsecured card loans within MUFG Group.

ACOM Guaranteed receivables No. of accounts

(100 million yen) (Thousands) 12,000 10,716 2,000 10,587 10,122 1,651 1,637 1,549 9,000 1,500

6,000 1,000

3,000 500

0 0 19/3 20/3 21/3 19/3 20/3 21/3

MUCG Guaranteed receivables No. of accounts

(100 million yen) (Thousands) 2,000 400 1,534 1,615 1,577 1,500 300 258 248 253

1,000 200

500 100

0 0 19/3 20/3 21/3 19/3 20/3 21/3

ACOM Corporate Profile 12 PrACOMin cGrouip’ps Principalal B Businessusinesses ■ Overseas Business

Having launched financial business in Thailand and the Philippines Aiming for further expansion in ASEAN

Overseas Financial Business aiming for EASY BUY Public Company Limited: further expansion the Kingdom of Thailand

ACOM Group has focused on ASEAN market making SIAM A&C CO., LTD. (present, EASY BUY Public Company salient growths in retail finance sector: it has launched Limited) was established in Bangkok, the Kingdom of financial businesses in the Kingdom of Thailand and the Thailand, as the first overseas base in September 1996. Republic of the Philippines with expertise garnered in loan This company was licensed as a public company based on business within Japan. Thai law in April 2005. ACOM's overseas financial business is enjoying steady Utilizing expertise and experience garnered in Japan, the growth and expansion, and contributes about 20% of the company operates unsecured personal loan business operating revenue of ACOM Group. under Umay+ brand and installment loan business ACOM Group regards Overseas Financial Business as one of (installment sales finance business) under sales brand the significant growth domains. We will keep investigating EASY BUY. Its high quality services based on ACOM's the possibility of newly participation such as market in expertise have won wide range of customer support. each countries, economic trend and related laws, mainly Umay+ brand in particular in ASEAN region, aiming at business entry in different is executing proactive country. marketing measures and has acquired the top brand position in nonbank market of Thailand.

Thailand EASY BUY Public Company Limited

P ａ ｃｉｆｉｃ o c e a n

Philippines ACOM CONSUMER FINANCE CORPORATION

Ｉn d i a n ocean

Vietnam Representative office in Ho Chi Minh City

13 ACOM Corporate Profile ■ Loan Servicing Business

Playing a Role in a Collective Financial Service ACOM Group’s Loan Servicing Business

ACOM CONSUMER FINANCE CORPORATION: Loan Servicing Business the Republic of the Philippines IR Loan Servicing, Inc.

In July 2017, ACOM and ITOCHU Corporation established a In loan servicing business, receivables, purchased or joint venture, ACOM CONSUMER FINANCE CORPORATION entrusted from financial institutions for collection, are in the Republic of the Philippines, which has 2nd largest managed and collected. Its primary revenue sources are population in ASEAN and is achieving a rapid development. debt collection profit and fees on entrusted business. In July 2018, it commenced a personal loan business ACOM entered into loan servicing business through operation and had 5 outlets as of March 2021. Moreover, acquiring capital in IR Loan Servicing, Inc. in March 2001. it offers various channels such as smartphone application In January 2006, IR Loan which complete online application to contract. Servicing, Inc. absorbed DC ACOM CONSUMER FINANCE CORPORATION will strive Servicer company, Ltd. and to become the leading company develops its business utilizing in unsecured personal loan market its competitive advantage in the Republic of the Philippines based on expertise in personal by utilizing know-how ACOM has debt collection. fostered in Japan as well as business experiences for about 20 years in Thailand.

EASY BUY Specified Monetary Claim Purchase Service Receivables Outstanding

■100 million baht ■100 million yen Specified Monetary Claim Servicing (100 million baht) (100 million yen) IR Loan 600 554 561 3,000 524 Servicing, Inc. Back-Up Servicing 1,930 400 2,000

Corporate Revitalization Support Service 200 1,000

0 0 19/3 20/3 21/3

EASY BUY No. of accounts

(Thousands) 2,000

1,434 1,477 1,500 1,365

1,000

500

0 19/3 20/3 21/3

ACOM Corporate Profile 14 CSRCSR We will strive for materialization of a sustainable society while fulfilling our corporate social responsibilities and missions.

■ CSR at ACOM

We define our CSR as fulfilling our corporate social responsibilities and missions as well as contributing to materialization of a sustainable society through business and other activities based on Corporate Philosophy.

CSR at ACOM Corporate Governance

Business Activities Other Activities In order to meet the expectations of stakeholders and Loan and Credit Card Business Social Contribution Activities build stronger trust, we will strengthen corporate Guarantee Business Environment Contribution Activities governance as a key management priority. To this end, we Overseas Financial Business Industry Group Activities will take steps to enhance the soundness, transparency, CS Philosophy Social Contribution Polocy ＜CS Management＞ ＜Social Contribution Activities＞ and efficiency of our operations and achieve sustained ＜Creating Employee-friendly Workplaces＞ ＜Collaborations withPartner Companies＞ increases in our shareholder value.

Organization and Structure Fair Disclosure ＜Corporate Governance＞ ＜Compliance＞

Corporate Philosophy ACOM endeavors to maintain and improve transparency of management for the benefit of stakeholders through accurate and prompt disclosure of various management Compliance Activities in Practice information. Concurrently, ACOM concentrates on diverse investor relations activities both in domestic and ACOM regards compliance as one of its most significant overseas. These consist of, but not limited to: earnings management challenges. ACOM is in continuous challenge release conferences for institutional investors and to strengthen structure to establish a corporate culture analysts; individual interviews; conference calls, and that emphasizes compliance while further improving each overseas IR roadshow. and every employee's awareness.

■ Striving for the Maximum Customer Satisfaction

We provide better services in more comfortable and pleasant manners.

Improvements Made from Customer CS Oriented Management Promotion Feedback Meetings

When our employees realize items open to improvement To discuss measures and structures necessary to promote and enhancement in our product and services, they can CS Management that provides supreme and authentic submit proposals. These are used for improving services customer satisfaction, ACOM regularly holds CS and sharing good practices. Management Promotion Meetings, chaired by the president.

Improvements made from customer feedback CS Award Ceremonies ● Added functions such as login with biometrics authentication, reminder notice and QR code ACOM holds “CS Award Ceremonies.” These ceremonies are transaction in smartphone application, for the purpose of enhancing convenience for customers. held to: foster a corporate culture in which each employee ● Added a contract scheme without issuing card which engages in and improves CS oriented communications is no need to visit outlets or receive a card via mails in order to further respond to customers’ needs for through “realization;” and to further proliferate “The Spirit of privacy and immediacy. Foundation” and “Corporate Philosophy.” Employees from each department share their daily CS experiences. 15 ACOM Corporate Profile ■ Contributing to Society and Environment

ACOM aims to build strong relationships with the local community through a variety of welfare and local-based programs, to get closer to our customers so that we exist in harmony with society.

Consumer Awareness and Money Arts and Culture Management Programs

● ACOM Miru Concert Monogatari ● Financial Education at Universities Long-run performance over 25 years exceeded Topics on these lectures include “overview of consumer 230 thousand visitors. credit market” and “loan and credit in consumer lives.” We ACOM “Miru” Concert Monogatari series is held for the conduct consumer awareness activities as it is our wish to benefits of local communities throughout Japan as an art protect those students who bear the future from financial combining “Shadow Picture” and “Live Performance” with troubles. “Narration.” Launched in 1994, the concert series has been performed Community Welfare Programs over 25 years and 240 times in 2020 to combined audiences of more than 230 thousand visitors. ● ACOM Blue Bird Fund This concert is designed to “barrier-free” concerts that is This fund is an employees’ voluntary activity with independently operated and can be enjoyed regardless of goodwill, started in 1984 by employees’ proposal. generation as well as people with disabilities by making Collected funds are donated to welfare organizations, and efforts such as community chest of disaster-struck area. having sign language ● Donation via Vending Machines Placed in Offices interpreters on stage ● Blood Donation Drive and providing seats for wheelchairs. Environment Conservation Activities

● Participating in Local Cleaning Projects ● Reducing Electricity Consumption of ATMs and Illumination Signboards

■ For Employees

We strive to ensure a healthy and safe working environment as it is our belief that enhancing employee satisfaction leads to heightened customer satisfaction and consequently to enhanced corporate value in being.

Protecting Employee Health and Welfare Promoting Work-Life Balance

We have introduced a “Health Point Program” that gives ACOM added option to the childcare leave system that incentives to employees’ health promotion efforts in enables changing a part of childcare leave into paid leave in conjunction with the ACOM Health Insurance Association, in order to support work-life balance. Furthermore, ACOM is order to further enhance welfare and promote employee enriching its programs such as enabling uses of health. accumulated paid holidays for the purpose of Child-rearing We support employee health promotion by rewarding health and Nursing. points (incentives) to employees’ efforts that maintain and In 2020, ACOM was accredited by the Tokyo Labour Bureau enhance their health such as recording results of regular of the Ministry of Health, Labour and Welfare as a General health checkups and walking activity. Education Provider under the Act on Advancement of Measures to Support Raising Next-Generation Children, and granted the right to display the Kurumin accreditation provider logo.

ACOM Corporate Profile 16 CSRCSR ■ SDGs

We have identified 6 social issues that we should prioritize in order to address the social issues identified in the (United Nations) SDGs and the Japanese government's SDGs Implementation Guiding Principles, etc., while taking into account the business environment and the importance of addressing social issues, and are working to resolve these issues.

Consumer Awareness and Money Management Programs Promote Innovation

Main Activities Main Activities ● Financial Education at Universities ● Enhance the Quality of Customer-reception in ● Support for Repayment, Response to Unauthorized Use Digital Channels ● Previous Notice to Prevent from Financial Fraud ● Data Analysis with AI / Big Data ● Collect Information from Consumer Affairs Center ● Utilizing RPA (Mailing to Customers and Creating a etc.(Public Hearing) Record of Mailings to Customers etc.) 【SDGs Items】 【SDGs Items】

Promoting Diversity Regional Vitalization

Main Activities Main Activities ● Supporting Next-generation Education Programs ● ACOM Miru Concert Monogatari ● Promoting Women's Participation ● ACOM Bluebird Fund ● Supporting Career Enhancement ● Blood Donation Drive ● Providing Career Opportunities to Persons with ● Strengthen Partnerships with Financial institutions Disabilities in Alliance in Guarantee Business ● Continued Employment of Retirees 【SDGs Items】 ● Used Stamp Collection ● Supporting Persons with Disabilities through ACOM Miru Concert Monogatari 【SDGs Items】 Promote Environment Conservation Activities

Main Activities ● Reducing Electricity Consumption of ATMs and Promote Work-Style Reform Illumination Signboards ● Shifting to Paperless Operations Main Activities ● Participating in Local Cleaning Projects ● Supporting a Balance Between Work, Child-rearing ● Promoting Green Purchasing and Nursing ● Adopting Electronic Contract Service ● Supporting Flexible Working Styles ● Forest Conservation Activities ● Promoting Annual Health Check-ups 【SDGs Items】 ● Caring for Mental Health ● Measures to Prevent Excessive Work 【SDGs Items】

17 ACOM Corporate Profile ■ Outline of ACOM ■ History

● Company name 1936 Apr. Started wholesale and retail textile business under the name "Maruito Gofuku Ten" in Sannomiya, ACOM CO., LTD. Ikuta-ku (present, Chuo-ku), Kobe, Hyogo. ● Business outline 1960 Mar. Started "Salary-Man Loan", a type of consumer finance business, at the Motomachi branch (located Loan Business, Credit Card Business, Loan Guarantee Business in Chuo-ku, Kobe-shi) ● Head office 1970 May Developed the first automatic cash dispenser in Japan, and set up at the Umeda branch (located in Meiji Yasuda Seimei Bldg. 1-1, Marunouchi 2-chome, Kita-ku, Osaka-shi)

Chiyoda-ku, Tokyo, Japan 1978 Oct. "ACOM CO., LTD." was founded with paid-in capital of 500 million yen as the business of consumer 03-5533-0811(Main) finance ● Established 1979 Dec. Installed an automatic teller machine (ATM), which provides a 24-hour/365-day service, at the April 2, 1936 Ginza branch (located in Ginza, Chuo-ku), as the first in the industry. ● Incorporated 1993 July Installed "MUJINKUN", automatic contract machine, October 23, 1978 at the Shinjuku branch and the Hakata branch as the first in the industry. ● Paid-in Capital 1993 Oct. Listed ACOM stock on the over-the-counter market 63,832,520,000 yen at Japan Securities Dealers Association. ● Date for settlement of accounts 1994 Dec. Listed ACOM stock on the second section of the Tokyo Stock Exchange March 31 (once a year) 1996 Sep. Established "SIAM A&C CO., LTD."(Changed ● Number of employees company name as “EASY BUY Public Company Limited in 2005 April) as a joint venture of hire 2,112（Male 1,263 , Female 849） purchase business in Kingdom of Thailand. (present, a consolidated subsidiary) Average age 40.6 years old (as of March 2021) Listed ACOM stock on the first section of the ● Affiliated Associations Tokyo Stock Exchange. Japan Financial Services Association 1998 July Acquired principal membership of Mastercard International (present, Mastercard Worldwide) Japan Consumer Credit Association and obtained a license to issue credit cards. Japan Business Federation (Keidanren) 1999 Apr. Started issuing Mastercard® and advanced into credit card business ● Main financing bank 2001 Mar. Invested capital in "IR Loan Servicing, Inc." (present, MUFG Bank, Ltd. a consolidated subsidiary) to advance into the servicing business

2001 May Launched guarantee business on unsecured loans offered by "The Hokkaido Bank, Ltd."

2001 Aug. Established "Tokyo-Mitsubishi Cash One Ltd." (became a consolidated subsidiary and changed ■ Subsidiary Information company name as " DC Cash One Ltd." in January 2005.) with "The Bank of Tokyo-Mitsubishi, Ltd." (present, "MUFG Bank, Ltd."), "The Mitsubishi 【Consolidated Subsidiaries】 Trust and Banking Corporation" (present, "The ● Mitsubishi UFJ Trust and Banking Corporation"), MU Credit Guarantee Co., LTD. "DC CARD Co., Ltd." (present, "Mitsubishi UFJ ● EASY BUY Public Company Limited NICOS Co., Ltd."), and "JACCS CO., LTD." ● ACOM CONSUMER FINANCE CORPORATION 2004 Mar. Reached an agreement with respect to a strategic business and capital alliance with "Mitsubishi ● IR Loan Servicing, Inc. Tokyo Financial Group, Inc." (present, "Mitsubishi UFJ Financial Group, Inc.") 【Equity-method Affiliate】 2007 Dec. Jointly acquired "PT. Bank Nusantara Parahyangan, ● MU Communications Co., Ltd. Tbk." in Republic of Indonesia with "The Bank of Tokyo-Mitsubishi UFJ, Ltd."(present, "MUFG Bank, Ltd.")

2008 Feb. Acquired all shares of "IR Loan Servicing, Inc." ■ Parent Company 2008 Sep. Agreed upon further strengthening strategic business and capital alliance with "Mitsubishi UFJ Financial Group, Inc." and "The Bank of Tokyo-Mitsubishi UFJ, ● Mitsubishi UFJ Financial Group, Inc. Ltd."(present, "MUFG Bank, Ltd.") 2008 Dec. Became a consolidated subsidiary of "Mitsubishi UFJ Financial Group, Inc." as the parent company

2013 Sep. Established "MU Credit Guarantee Co., LTD." (present, a consolidated subsidiary) as the business of credit guarantee

2015 Dec. Acquired all shares of "MU Credit Guarantee Co., LTD."

2017 July Established a joint venture for unsecured loan business, "ACOM CONSUMER FINANCE CORPORATION" in Republic of the Philippines

2019 May "PT. Bank Nusantara Parahyangan, Tbk." in Republic of Indonesia merged with "PT Bank Danamon Indonesia, Tbk." (the surviving company), a consolidated subsidiary of "Mitsubishi UFJ Financial Group, Inc." 18 ACOM Corporate Profile ■ Organization Chart (As of April 1, 2021) ■ Directors and Executive Officers (As of June 23, 2021) General Meeting of ● Directors Shareholders Chairman Shigeyoshi Kinoshita Board of Directors Appointment and Deputy Chairman Remuneration Committee Hiroshi Naruse Executive Officers' President & CEO Masataka Kinoshita Meeting Compliance Committee Financial Information Managing Director Tomomi Uchida Disclosure Committee Managing Director Takashi Kiribuchi Corporate Risk Committee Director Masakazu Oosawa Director, Corporate Planning Dept. Full-time Member of the Audit Kazuo Fukumoto Overseas Business & Supervisory Committee Management Dept. Director(Outside), Finance Dept. Full-time Member of the Audit Masahide Ishikawa & Supervisory Committee Treasury Dept. Director(Outside), Public Relations & Public & Investor Member of the Audit Takuji Akiyama CSR Dept. Relations Office & Supervisory Committee

Personnel Development Office Human Resources Dept. ● Executive Officers Recruiting Office Chief Executive Officer Masataka Kinoshita Legal Office Senior Executive Managing Tomomi Uchida General Affairs Dept. Secretary Office Officer

Customer Counseling Senior Executive Managing Takashi Kiribuchi Business Planning Dept. Center Officer Business Process Executive Managing Officer Masaru Kuroda Management Dept. Executive Managing Officer Michihito Onodera System Planning Office Executive Managing Officer Tomoo Shikanoya Executive Managing Officer Masashi Yoshiba System Development Dept. System Development & Executive Managing Officer Yuji Kinoshita Administration Division System Operation Executive Managing Officer Masatoshi Nabeoka Dept. Executive Officer Masayuki Sone System Management Office Executive Officer Akihiro Kiyooka

Business Executive Officer Hidehiko Shibata Promotion Dept. Customer Support Center Executive Officer Masahiko Machida Outlets Executive Officer Hitoshi Yokohama Call Center Takeo Noda East Japan Business Executive Officer Promotion Dept. Counseling Center Real Service Center Credit Business Net Service Center Promotion Division Outlets

Call Center West Japan Business Promotion Dept. Counseling Center Real Service Center Compliance for Credit Business Net Service Center Promotion Office Tokyo Credit Guarantee Business Guarantee Center Dept. Osaka Credit Guarantee Center

Credit Supervision Dept. I Credit Supervision Division Credit Supervision Dept. II

Compliance for Credit Supervision Office

Corporate Risk Credit Risk Management Dept. Management Office

Financial Crime Prevention Office Compliance Dept. Employee Counseling Meiji Yasuda Seimei Bldg.（Head office） Internal Audit Dept. Office

Audit and Supervisory Administration Audit and Committee Supervisoy Committee ACOM Corporate Profile 19 ACOM CO., LTD. Head office Meiji Yasuda Seimei Bldg. 1-1, Marunouchi 2-chome, Chiyoda-ku 100-8307, Tokyo, Japan T E L (03)5533-0811(main) U R L https://www.acom.co.jp/

Jun 2021