Development and Operation of Internal Control and Risk Management Framework

「The Company has established an Audit Office, a department reporting directly to the President and comprising 7 people, to audit the operations of the Company and its subsidiaries and ensure appropriate business activities and management oversight. Through the direction and guidance of the Audit Office, each department, including sales offices, conducts a self-inspection once a year to promote appropriate business operations.」

「The Company has established an Audit Office, a department reporting directly to the President and comprising 6 people, to audit the operations of the Company and its subsidiaries and ensure appropriate business activities and management oversight. Through the direction and guidance of the Audit Office, each department, including sales offices, conducts a self-inspection once a year to promote appropriate business operations. Based on an audit plan approved by the President, the Audit Office conducts regular internal audits covering all of the Company's operations, exchanges views with each department, makes specific proposals for operational improvements and works to ensure thorough compliance. After each audit, it submits an Audit Office audit report to the President, the standing Audit Committee member and the Audit Committee, and the standing Audit Committee member reports to the Board of Directors on the status of internal audits based on the reports from the Audit Office.」

「In addition to receiving direct reports from the Audit Office on audit results, the Audit Committee established a “three lines of defence” framework under which the Audit Office, Accounting Department and Information Systems Department cooperate to ensure the efficient operation of the internal control system. The standing Audit Committee member regularly received reports.」

「The Company has established an Audit Office, a department reporting directly to the President and comprising 6 people, to audit the operations of the Company and its subsidiaries and ensure appropriate business activities and management oversight. Based on an audit plan approved by the President, the Audit Office conducts regular internal audits covering all of the Company's operations, exchanges views with each department, makes specific proposals for operational improvements and works to ensure thorough compliance. After each audit, it submits an Audit Office audit report to the President.」

「During the six-month period of the current consolidated fiscal year, there were no new business or other risks, nor any significant changes to the business or other risks described in the securities report for the previous fiscal year.」

「The Company has established an Audit Office, a department reporting directly to the President and comprising 6 people, to audit the operations of the Company and its subsidiaries and ensure appropriate business activities and management oversight. Based on an audit plan approved by the President, the Audit Office conducts regular internal audits covering all of the Company's operations,」

「Based on an audit plan approved by the President, the Audit Office conducts regular internal audits covering all of the Company's operations, exchanges views with each department, makes specific proposals for operational improvements and works to ensure thorough compliance. After each audit, it submits an Audit Office audit report to the President. Under the direction and guidance of the Audit Office, each department, including sales offices, conducts a self-inspection once a year to promote appropriate business operations.」

「The Company has established an Audit Office, a department reporting directly to the President and comprising 4 people, to audit its business operations and ensure appropriate business activities and management oversight. Under the direction and guidance of the Audit Office, each department, including sales offices, conducts a self-inspection once a year to promote appropriate business operations.」

「Each department establishes and operates an effective internal control system. The Audit Office, a department reporting directly to the President, evaluates the results and audits whether the internal control system is functioning effectively. In addition, the Company has established the Legal and Screening Group within the General Affairs Department as the department responsible for risk management. Under the Basic Rules for Risk Management, each transaction department manages risks based on the rules established for each type of risk, including credit risk, market risk and business investment risk.」