ANNUAL REPORT 2012 for the year ended March 31, 2012

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COLLABORATIVE MANAGEMENT

Credit Saison is determined to become No. 1 in the cashless settlement market by persistently promoting "Collaborative Management." This strategy combines, in a collaborative way, our customer base of 35.2 million people built up over these past 30 years, our network of alliances spanning a wealth of industries, and our unique strategic advantages including innovative products and services.

Becoming a non-bank finance company with multiple income sources

COLLABORATIVE MANAGEMENT
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