ANNUAL REPORT 2012 for the year ended March 31, 2012

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INNOVATIVE SERVICES PIONEERED BY CREDIT SAISON

Credit Saison issued its first credit card in 1982. In the 30 years since then, the market environment has seen significant changes in economic conditions, consumption trends, regulations, and other factors. Amid these changes, we have established a unique position in the industry as a leading-edge service company by maintaining a thorough dedication to customers at all times, while producing new and innovative products and services. INNOVATIVE SERVICES PIONEERED BY CREDIT SAISON

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