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To Our Shareholders Investors

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The Company, in an effort to realize its Corporate Vision “to create high value-added services that are integrally connected to our everyday lives,” has been seeking to become the company of choice for our customers by acting with sincerity and providing unique and high value-added services and products from the customers’ perspective.

Based on this belief, the Company embarked on its new three-year medium-term management plan, which commenced in FY2016.
 The plan promotes (1) Further reinforcement of the Famima T Card business, (2) Stable expansion of existing businesses, (3) Reinforcement of competitiveness of services and operations and (4) System reinforcement to realize sustainable growth.

As for the first task of “Further reinforcement of the Famima T Card business,” we intend to step up our efforts in terms of both soliciting credit card membership and encouraging credit card use in the Famima T Card business, which has grown to become the Company’s core business, thereby further solidifying its foundations as a core business.

For the second task of “Stable expansion of existing businesses,” we will aim for stable expansion while positioning the Famima T Card business and other existing businesses as “the two wheels of a cart” through the reinforcement of our efforts in existing businesses other than the Famima T Card business and expansion to new partners.

In terms of the third task of “Reinforcement of competitiveness of services and operations,” we will promote efforts to reinforce our business competitiveness as a credit card company by planning and developing high value-added products and services as well as improving the quality of overall credit card operations as the foundation to support these growth engines.

Finally, the fourth task of “System reinforcement to realize sustainable growth” will be crucial in realizing the Company’s sustained growth and improving its corporate value in the medium- to long-term, and to this end we will enhance the corporate governance system and make continuous reinforcements to the compliance system.

This year being the second year of our medium-term management plan and looking forward to next year, the final year of the medium-term management plan, in which we plan to achieve our goals, we hope to steadily climb to the next level and aim for increased revenues for the fifth consecutive term and increased profit for the second consecutive term.

We, therefore, ask for your continued support and encouragement.

April 2017

Keiichi Watanabe,