Shareholders Memo

Fiscal Year: Period beginning on April 1 and ending on March 31 of the following year

Record Date: Ordinary general meeting of shareholders and year-end dividend payments - March 31
Should any other record date be required, a public notice will be issued in advance.

Transfer Agent and Administrator of Special Accounts: Sumitomo Mitsui Trust Bank Limited, 1-4-1, Marunouchi, Chiyoda-ku, Tokyo, Japan

Administrative Office of Transfer Agent: Stock Transfer Agency Business Department, Sumitomo Mitsui Trust Bank Limited,1-4-1,Marunouchi, Chiyoda-ku, Tokyo, Japan

Mailing Address: Stock Transfer Agency Business Department, Sumitomo Mitsui Trust Bank Limited,2-8-4,Izumi, Suginami-ku, Tokyo 168-0063, Japan

Telephone Inquiries: 0120-782-031 (9:00-17:00 excluding weekends and holidays)

Method of Public Notice: Electronic notice (Credit Saison website)
https://corporate.saisoncard.co.jp/en/public_announcement/

[Notice of Address Change, etc. and Inquiries Relating to Shares]: Shareholders who have an account with a securities company are asked to contact the relevant securities company regarding address change and other notices, as well as inquiries. Shareholders who do not have an account with a securities company are asked to call the number indicated above for telephone inquiries.
[Special Accounts]: For shareholders who were not using the “Hofuri” system (Japan Securities Depository Center, Inc.) prior to the introduction of the electronic share certificate system, an account (special account) has been opened at Sumitomo Mitsui Trust Bank Limited above as the transfer agent. Inquiries on special accounts should be directed to the transfer agent at the number indicated above for telephone inquiries.
[Information on Additional Purchase System/Buy Back System for Shares Less Than One Unit]: Our Company has established a system in which shareholders who own shares less than one unit (100 shares) can purchase additional shares at the market price (Additional Purchase System) and a system in which shareholders can sell shares less than one unit back to our Company (Buy Back System). For shares less than one unit recorded in a special account, please contact the telephone inquiry number listed above. For shares less than one unit deposited with a financial securities firm, please contact the financial securities firm where you have an account.