ANNUAL REPORT 2011 for the year ended March 31, 2011

Major Group Companies

(As of March 31, 2011)

Atrium Group

Real estate liquidation and servicing business

We will rapidly and flexibly implement a package of radical business restructuring measures that will take the Atrium Group back to its original structure as a specialist in two core activities: short-term, high-turnover real estate liquidation for small and mediumsized properties, and the special servicing business. We will also further refine and enhance the knowledge and skills that the Atrium Group has developed through its involvement in the real estate business.

Atrium produces value by regenerating real estate assets. We aim to build customer confidence and support by focusing on customer satisfaction and implementing effective compliance and corporate governance.

Saison Fundex Group

Personal / Business / Mortgage loans, guarantee business

Under SAISON's Loan Hyakusen brand, Saison Fundex offers card loan products, such as the Cash Reserve Loan and VIP loans (for both individuals and businesses), as well as the contract-type loan products Lifestyle Support Loans and Real Estate Mortgage Loans. Development in the credit guarantee business through business cooperation with various financial institutions will cover loans collateralized by real estate properties. The company also provides project loans to companies that operate real estate businesses. In this business, it focuses on providing reliable products that meet wideranging funding requirements. Going forward, the company intends to further improve the quality of its services to better meet these requirements.

Real estate development and construction

Our goal is to supply comfortable, reliable and safe residential properties, especially detached houses, on high-quality land.

Going forward, we aim to supply housing and other properties that give true customer satisfaction.

Qubitous Co., Ltd.

Processing business

Qubitous provides processing services in the areas of credit card application screening, monitoring, call center operation, and other processing operations, with a focus on credit services. The company engages in contracted processing for more than 80 client companies, primarily for Saison brand and UC brand credit cards.

The company will seek active expansion of its contracted processing business with the aim of being the no. 1 comprehensive processing company in both quality and quantity by providing high-quality services and attaining cost leadership.

Concerto Inc.

Amusement business

Concerto aims to create optimal amusement spaces for the enjoyment of its customers and has established 26 pachinko parlors in eastern Japan. As an organization with strong regional links, it contributes to local communities by combining spacious facilities with fine-tuned services.

Real estate rental business

Concerto lets nine commercial buildings, especially its "The Prime" properties in Shibuya and other central Tokyo locations. It is working to develop new properties and expand its leasing business under a concept that calls for utilization and development of properties that enhance local communities.

Membership club management

The concept for Concerto's uraku AOYAMA membership club is to provide "the ultimate in hospitality." With facilities that include a fitness gym, restaurant, guest rooms and banquet halls, this luxurious complex provides superb service and the ideal environment in which to enjoy the benefits of club membership.

JPN Holdings Group

Servicing business

Powerful infrastructure in the form of a large-scale call center gives the JPN Holdings Group an important advantage in this business area. The company provides services meeting a wide range of needs, from the management and recovery of small, unsecured receivables to the purchase of receivables from financial institutions and non-banks. The JPN Holdings Group also provides services to local authorities, including collection of loan claims, research services and back-up services.

Temporary staffing business

The JPN Holdings Group provides total solutions centered on collection services. Through its temporary staffing services, it helps to improve the operational efficiency and performance of client operations and collection divisions, especially financial institutions and non-banks.

Telemarketing business

Various telemarketing, processing agency and outsourcing businesses through the operation of the company's call centers.

Childcare business

Comprehensive school education services with three departments: "Child" (nursery school), "Academy" (kindergarten) and "Junior" (afterschool program). The goal is to provide childcare services that meet a diverse spectrum of needs by combining the academic and physical education of kindergarten-age and older children with daycare services that safely look after children for extended hours.

Saison Information Systems Co., Ltd.

Information processing services

Saison Information Systems engages in systems construction and operation grounded in a wealth of business process expertise developed in fields such as finance and distribution. The company also actively engages in payroll outsourcing and communications middleware based on HULFT technology. It aims to be a company that enjoys the complete trust of customers by providing a one-stop service for everything from systems construction to outsourcing and package products.

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