(a) Board of Directors
As of the date of submission, the Company's Board of Directors consists of eight directors (including three outside directors) and is chaired by Yukiharu Sako, Representative Director and Chairman of the Board. In principle, the regular meeting of the Board of Directors is held once a month. In addition, extraordinary meetings of the Board of Directors are held as necessary to make decisions on matters stipulated by law and the Articles of Incorporation and important management matters, and to supervise the execution of duties by the directors. All corporate auditors attend the meetings of the Board of Directors, which enables them to monitor the directors' execution of their duties.

(b) Management Meeting
The Management Committee, consisting mainly of four internal directors (including two representative directors) and five executive officers, meets twice a year in principle and as needed for the purpose of prompt and efficient decision-making to deliberate and review important management matters that affect the entire company, confirm the progress of business performance, and share various important communications. The Board of Directors meets twice a month in principle and as necessary.

(c) Nomination and Remuneration Committee
The Nomination and Compensation Committee, the majority of whose members are independent outside directors, has been established under the Board of Directors for the purpose of enhancing the objectivity and accountability of the Board of Directors' functions and improving governance with respect to the selection, dismissal and compensation of directors. The committee is chaired by Yoshiyuki Hirano, an outside director.

(d) Risk Management Committee
The Risk Management Committee is composed mainly of full-time directors and executive officers, as well as the President and Representative Director, and meets once a quarter in principle to discuss issues and measures related to the promotion of company-wide risk management under normal circumstances, formulate measures to prevent various risks, and make various proposals.

(e) Compliance Committee
The Compliance Committee, which is composed mainly of full-time directors and executive officers, as well as the President and Representative Director, meets once a quarter to discuss the Company's compliance promotion policies and various compliance-related issues, formulate measures to prevent recurrence of problems when they occur, and make various proposals. The meeting is held once a quarter.

(f) Board of Company Auditors
As of the date of submission, our Board of Company Auditors consists of three outside company auditors and is chaired by Masaaki Mizuta, the full-time company auditor. Based on the audit policy and audit plan, each company auditor attends meetings of the Board of Directors and other important meetings, receives reports on important matters from directors, etc., monitors the status of business execution, and strives to enhance the effectiveness of the board through cooperation with the accounting auditor. The Meeting of the Board of Company Auditors is held once a month in principle and on an ad hoc basis as necessary. The company auditors also actively collaborate and exchange opinions with the employees in charge of the internal audit and the accounting auditor as necessary in order to conduct audit in an efficient manner, in addition to attending important meetings such as board meeting and conducting on-site audits.

(g) Internal Audit Department
Our company has established an Internal Audit Department under the direct control of the Chairman of the Board of Directors, which is independent of the business execution divisions, and one Internal Audit Manager and three internal audit staff members conduct audits based on an audit plan. The Company recognizes that internal audits are conducted for the purpose of contributing to the rationalization and improvement of management efficiency, and the Company's basic policy is to conduct audits from the perspective of confirming the status of risk approach and compliance-oriented practices related to current operations.

(h) Accounting Auditor
Our company has entered into an audit service agreement with Deloitte Touche Tohmatsu LLC which conducts the accounting audit from an independent standpoint. The accounting auditor has no specific interest in our company.