ANNUAL REPORT 2013 for the year ended March 31, 2013

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CORPORATE SOCIAL RESPONSIBILITY (CSR)

Our vision is to become a leading-edge service company. We regard our customers, business partners, employees, shareholders and society at large as our stakeholders, and we work to create customer satisfaction, provide returns to our shareholders, respect the mutual interests of ourselves and our business partners, and instill shared ideals and goals in our employees. In this way we strive to fulfill our social responsibilities, which are vital to realizing our management philosophy.

The Credit Saison Approach to CSR

Our concept of CSR is not limited simply to regulatory compliance and the creation of profit. We believe that CSR also means responding to the needs of citizens, communities and society, and developing business methods and activities that meet and surpass these needs. This concept guides our CSR activities, which are based on three perspectives:

(1) Activities that are essential to our corporate survival and the interests of our customers, employees,
   shareholders and stakeholders

Our corporate mission is to conduct our business activities in a sound, appropriate and timely manner. Through continual effort, we will improve management transparency and strengthen the systems used to monitor the achievement of management targets.

(2) Activities that contribute to society and the fulfillment of our responsibilities through our core business
   activities in the areas of credit cards and financing

Credit cards drive economic activity as extremely effective tools for settlements. Our priority is to prevent excessive use leading to heavy indebtedness, while ensuring that credit cards help to enrich the lives of our customers and contribute to economic development. As a finance company, we carefully manage private information in accordance with the Private Information Protection Law, and use it to prevent excessive indebtedness through the prudent provision of credit and appropriate monitoring after credit is provided.

■ Appropriate management of private information

We manage private information in accordance with laws, regulations and other requirements, including guidelines and industry rules. We have established internal corporate rules, and give our employees training in ethics. Our efforts to raise awareness of information management include the use of the "private information manager" qualification established by the Japan Consumer Credit Industry Association. This qualification is now basically compulsory for employees who handle private information. Security measures have also been strengthened, with the use of leased lines, limited access authorization, encryption, and restricted access to data terminals. In May 2006, Credit Saison was authorized to use the PrivacyMark, a certification given to businesses with appropriate systems for handling private information, and we continue our efforts to maintain and enhance the protection level of private information.

■ Preventing excessive indebtedness

We recognize the risks of credit cards and strive to prevent excessive borrowing by monitoring borrowers' credit status after loans have been issued. Assistance for customers includes changes to contract terms and repayment amounts.

(3) Activities that contribute to society in ways that are unique to Credit Saison

Tens of thousands of people, including our employees and their families, depend on the Credit Saison Group. We recognize our responsibilities as an employer and work constructively to resolve any employment issues.

As a leading-edge service company, we aim to use our business activities to provide services exceeding customer expectations in attention to detail and contribution to society.

■ Resolving employment issues

Credit Saison aims to provide amenable working environments for all employees, regardless of age or gender. We have made several workplace improvements in response to changes caused by Japan's falling birthrate and aging population. These include systems to help enable female employees to continue working after marriage and childbirth, such as a childcare leave system for employees with children under the age of three, and a system for working shorter hours. We also offer a nursing care system for employees caring for older relatives, and have a program for actively employing retirees.

Operation of Akagi Nature Park

Activities for Passing Nature’s Bounty on to the Next Generation

Credit Saison operates Akagi Nature Park, an expansive forest preserve of approximately 120 hectares on the southwest foothills of Mount Akagi in Gunma Prefecture. Originally a secondary man-made cedar forest, the park has been reclaimed over 20 years under a policy of establishing a nurturing environment for plants to grow, rather than planting a flower garden. Today the park is home to a variety of insects, animals, wild flowers, trees, and rare plants. It is a great place to encounter the beauty of Japan’s four seasons firsthand.

The park attracted about 29,000 visitors in fiscal 2012. Through various programs, including guided tours of the grounds and eco-craft activities using the nuts from trees, we offer park visitors the opportunity to appreciate the wonder of nature and the importance of environmental conservation.

We hope that by operating the park, we can pass on its abundant natural treasures to future generations.

http://akagishizenen.jp

The following companies support our activities to preserve nature at Akagi Nature Park.

Social Contribution Activities

Support for Sport and Culture

Credit Saison is also passionately involved in social contribution through its support of sports and cultural activities.

In sports, we have been a supporting company and corporate sponsor of various Japanese national football teams, including the SAMURAI BLUE Men’s National Team and the NADESHIKO JAPAN Women’s National Team.

In cultural activities, we are a corporate sponsor of the musical career of José Carreras, an opera singer and one of The Three Tenors famous throughout the world, as well as a corporate endorser of and donor to the José Carreras Leukemia Foundation.

Social Contribution Activities

©J.LEAGUE PHOTOS
Starting players in the Men’s National Team playing Latvia in the KIRIN CHALLENGE CUP (February 6, 2013)

José Carreras

Donations Using Eikyufumetsu Points

We donate amounts corresponding to Eikyufumetsu Points applied for by cardmembers to various recipients.

Japan Soccer Representatives Support Fund

100 Points


Donations to the Japan Football Association

Japan Soccer Representatives Support Fund

Support for Rearing Guide Dogs

200 Points


Donations to the Japan Guide Dog Association

Support for Rearing Guide Dogs

Support for Protecting the Earth

200 Points


Donations to the Japan Fund for Global Environment

Support for Protecting the Earth

Environmental Protection at the Akagi Nature Park

100 Points


Donations used in nature preservation activities

Environmental Protection at the Akagi Nature Park

Support for School Meals for Children in Developing Countries

200 Points


Donations to the Japan Association for the World Food Programme, the public support contact point for the United Nations World Food Programme

Support for School Meals for Children in Developing Countries

Protection of Coral

200 Points


Donations to Project AWARE

Protection of Coral
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