BOARD OF DIRECTORS FUJI GROUP AND ORGANIZATION SENIOR OVERSEERS

Chairman of the Board Directors General Board of President Meeting of Directors & CEO Toru HASHIMOTO Michio UENO Stockholders Tsutomu HAYANO President & Chief Kazumi YANAGIHARA Executive Officer Fumito ISHIZAKA Senior Executive Overseers Committee Yoshiro YAMAMOTO Kunioki ISHIBASHI Yoshiaki SUGITA Minoru ITOSAKA Deputy Presidents Chief Risk Officer (CRO) Hajime SAKUMA Tosaku HARADA Saburo NISHIURA Risk Assessment Division Toshiyuki OGURA Kazuo KASUGAKAWA Risk Management Division Credit Assessment and Audit Division Sumio UESUGI Inspection Division Masayoshi KANAJI Electric Data Processing Supervision Senior Managing Director Akio TAKEUCHI Internal Audit Division Legal Division Masaaki SATO Kenji MIYAMOTO Compliance Compliance for Trading and Investment Banking

Managing Directors Senior Overseers Chief Financial Officer (CFO) Isao HIRAIDE Takeshi TAKAHASHI Soichi HIRABAYASHI Masayuki AMARI Corporate Planning Division Atsushi TAKANO Takeie UKITA Research Social and Cultural Relations Yoriaki SAKATA Y2K Project Hiroaki SHINODA Yuji OSHIMA Finance and Accounting Division Daiyu AOKI Accounting Teruhiko IKEDA Investor Relations Seiji SATOMURA Subsidiaries and Affiliates Division Yukio OBARA (as of June 29, 1999)

Kenji WATANABE Customer Services Division Public Relations Division Human Resources Division Premises and General Affairs Division Systems and Operations Administration Division Executive Secretariat Regional Headquarters for Kansai Credit Administration Division I Credit Administration Division II Credit Administration Division for Kansai Corporate Credit Division

(as of May 21, 1999)

34 Consumer and Commercial Banking

Commercial Finance Group Consumer and Private Banking Group Commercial Finance Business Division Business Support & Coordination Personal Banking Branches Business Development Support Business Finance Center Housing Loan Business Promotion Center Fuyo General Lease Co., Ltd. Full Banking Branches Private Banking Division Fujigin Factors, Ltd. The Fujigin Credit, Ltd. Mortgage Co., Ltd. Product Development & Marketing Division Product Development & Marketing Division Credit Division I Branch Sales Channel Management Division Credit Division II Administration Credit for Kansai Credit Division III Credit for New Business

Global Corporate and Investment Banking

Global Business Planning Division Corporate Finance Group Investment Banking Group Corporate Banking Divisions I-III, V, VI Corporate Advisory Division Fujigin Capital Company Osaka Corporate Banking Division Structured Finance Division Fuji Securities Inc. Shinjuku Shin-Toshin Corporate Banking Division Kabutocho Branch Project Finance Division Fuji Futures Inc. International Business Division Fuji Securities Co., Ltd. Fuji International Finance Overseas Branches Overseas Subsidiaries Corporate Banking Division (U.S.A.) Heller Financial, Inc.

Global Credit Division I Credit Division for the Americas Global Credit Division II Credit Division for Europe, International Credit Division Africa & The Middle East

Trading Group Public and Financial Capital Markets Trading Division Int’l Treasury Division Institutions Group Derivative Products Division Fuji Capital Markets Corp. Institutions Division Credit Risk Trading Municipal Divisions (HO, Osaka) Treasury Division Trading Business Planning Institutions Marketing Division

The Yasuda Trust and Banking Co., Ltd.

Asset Management Group

The Dai-Ichi Kangyo Fuji Trust & Banking Co., Ltd. Asset Management Division Fuji Investment Management Co., Ltd. Trust Business Planning Division Fuji-Lord Abbett International Ltd.

Processing Services and Information Technology Group

[Processing Services] [Information Technology] Multimedia Business Division Settlement & Clearing Sevices Fuji Research Institute Corporation Trade Services Division Division Fujigin Software Service, Ltd. Fuji Kabuto Custody & Proxy Systems Development Divisions I, II Systems Planning Division Processing Services Business Planning Division Systems Operations Division Information Technology Risk Control

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