This is addressed to our stockholders,whose constant 
                                    support we deeply appreciate.

We aim to contribute to increase the vitality of society by supporting business activities through our services to undertake risks and transfer them to various institutions, thus controlling credit risks, which is a key challenge for various types of businesses.

Since we were established, we have been making efforts to create services to satisfy the needs of our clients as much as possible while still expanding the range of the market to increase awareness of the credit risk taking business as a financial service. Thanks to your support, we have been able to achieve increases in income and profit for the eighteenth consecutive period since our establishment.

In the times ahead, our executives and all our employees will continue to strive to expand our businesses further while maintaining speed and stability.

We appreciate your continued support in the future.