ACMUY ACOM CO., LTD. engages in the financial and

ACMUY ACOM CO., LTD. engages in the financial and nonfinancial business in Japan. The company offers loan, credit card, installment sales finance, and guarantee services. LOAN BUSINESS The company’s loan business offers unsecured loans for consumers. It offers loans through various channels, including branches, automatic contract machines, ATMs, the Internet, and mobile phones. DIVERSIFIED FINANCIAL SERVICES Guarantee Business: The company provides guarantees on unsecured personal loans via alliances with financial institutions, centering on regional banks. Credit Card Business: The company provides credit cards to its loan customers. The company formed credit card alliances with retail chains and other companies. Installment Sales Finance Business: The company provides installment sales finance services to facilitate the purchase of items through agreements that it has with affiliated retailers. Loan Servicing Business: The company entered the loan servicing business by taking an equity stake in IR Loan Servicing, Inc., a joint venture with RISA Partners, Inc. In addition to the purchase of loans and debt collection services, IR Loan Servicing develops loan servicing business, including backup servicing, corporate revitalization services, and payment guide services. Banking Business: The company through its subsidiary, Bank BNP engages in banking business in Indonesia. Other Businesses The company’s other activities include cultivating, investing in, and nurturing venture businesses, providing entrusted back-office services, and providing entrusted call center services, including for banks. History ACOM CO., LTD. was founded in 1936.