CREDIT SAISON

Disclosure Policy

1. Basic disclosure policy

Credit Saison (hereinafter, the "Company") will endeavor to enhance the information it discloses, as part of its efforts to provide its corporate information to shareholders and investors in a fair, understandable and prompt manner. The Company discloses information by following the Financial Instruments and Exchange Act and rules on timely disclosure of corporate information by issuers of listed securities (Timely Disclosure Rules) stipulated by the Tokyo Stock Exchange. The Company is also proactive in disclosing information that is believed to be effective for promoting understanding of the Company, including its business results, financial conditions, and strategies.

2. Information disclosure method

Every time a fact to be disclosed is identified or occurs, the Company discloses such information via the Timely Disclosure Network (TDnet) provided by the Tokyo Stock Exchange, materials provided to the press (press release), and the Company's official website, in an effort to ensure timely, fair disclosure.

3. Forward-looking statements

Information disclosed by the Company may include forward-looking statements, such as forecasts about future performance. However, actual performance may differ from the forecasts due to various factors in the business environment, including the economic environment and market conditions. Therefore, forward-looking statements are not a guarantee of future performance or outcomes. Accordingly, the Company requests those who are considering investment in the Company not to place overall reliance on any forward-looking statements.

4. Quiet period

To ensure fair disclosure and prevent the leaking of information related to its financial results, the Company has defined a quiet period of about two weeks preceding the day of the announcement of its financial results. During this period, the Company will refrain from responding to or making comments on its financial results. However, if a material discrepancy from forecasts about future performance is expected during the quiet period, the Company will disclose the information in accordance with the Timely Disclosure Rules.

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