ANNUAL REPORT 2013 for the year ended March 31, 2013

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Using Neutrality as an Advantage
in Collaborative Management

Credit Saison is promoting "Collaborative Management" to maximize its corporate value. Collaborative management means starting from our position as a leading-edge service company, and combining our unique strategic advantages, such as our wide network of alliances and innovative products and services, as well as our customer base of 35 million cardmembers.

Further Growth as a Non-bank Finance Company —Through Diverse Collaboration—

Using Neutrality as Advantage in Collaborative Management

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