ANNUAL REPORT 2012 for the year ended March 31, 2012

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(As of March 31, 2012)

ATRIUM Co., Ltd. and group

Real estate liquidation and servicing business

Atrium will specialize in its original two core businesses: short-term, high-turnover real estate liquidation for small- and medium-sized properties, and the special servicing business. It will also further refine and enhance the knowledge and skills that it 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.

Concerto Inc.

Amusement business

Concerto aims to create optimal amusement spaces for the enjoyment of its customers and has established 25 "Concert Hall" pachinko parlors in eastern Japan. As an organization with strong regional links, it contributes to local communities while combining spacious facilities with fine-tuned services.

Real estate rental business

Concerto lets 10 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.


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. TThe company also provides project loans to companies that operate real estate businesses. In this business, it focuses on providing reliable products that meet wide ranging funding requirements. Going forward, the company intends to further improve the quality of its services to better meet these requirements.

JPN Holdings Group

JPN Holdings Co., Ltd. is a pure holding company for three business companies: JPN COLLECTION SERVICE CO., LTD., which is involved in the servicer business, humanplus Corporation, which provides temporary staffing and telemarketing services, and KINDER NURSERY Co., Ltd., which operates a childcare service.

Servicer business:

A powerful infrastructure in the form of a large-scale call center enables JPN Holdings to respond to a wide range of needs relating to small, unsecured receivables held by financial institutions, non-banks, and local governments. Services cover everything from management and recovery to purchase of receivables. JPN also offers research operations, back-up services, and others.

Temporary staffing business:

Through its temporary staffing services, JPN Holdings helps to improve the operational efficiency and performance of client operations and collection divisions, especially financial institutions and non-banks. Using this same expertise, it also offers best-fit solutions for local government tax guidance services and for other public services.

Telemarketing business:

JPN Holdings uses the expertise from receivables management operations and its strong human resource base from the temporary staffing business to offer various telemarketing, processing agency and outsourcing businesses through the operation of the company's call centers.

Childcare business:

JPN Holdings offers 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 look after children in a safe, secure environment for extended hours.

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.

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.

Entertainment Plus Inc.

Entertainment Business

Entertainment Plus Inc. operates an online ticketing service called "e+" for music concerts, theater, movies and other entertainment. The company was the first in Japan to move its operation to the Internet and with approximately 7 million registered members it leads the industry in online sales through its storeless ticketing service. Other operations include artist discovery and financing and production of entertainment.

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