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.