15-1 Nishi-Shinjuku 8-chome,Shinjuku-ku, Tokyo 163-8654 Japan
January 14, 2009
Report on Progress of Business Improvement Plan
TAKEFUJI CORPORATION has been working to prevent the recurrence of violation ofthe Money Lending Business Law and related laws and rules (“related laws and rules”) bysurely executing business improvement plan, which was submitted to Kanto RegionalBureau as of June 2008.
Items executed since previous announcement on September 29, 2008 are as follows:
Reexamination of principleWe publicized TAKEFUJI CORPORATION Management Ethical Charter, which wasformulated in September last year upon the reexamination of former “Ethical Charter ofTAKEFUJI CORPORATION, Code and Rules of Conduct” by displaying posters in branchoffices, by up loading on intra-net and through training programs.
Reexamination of organizational systemInformation of internal inspection and customer consultation are collected to ComplianceAdministrative Department and continuously analyzed and classified. The results areutilized in internal training for better customer service.
Reexamination of training systemWe conducted practical training for all employees of business and marketing division foreach genre, covering operations in which employees mainly engage, including lending,collection and clerical works etc..Furthermore, we plan to hold training for each career stage in order to improve ouremployee’s skills appropriately to their ranks and experience in our company.
Reexamination of personnel evaluation systemBranch offices with good results of internal audit and their efforts are reported on newsletter for employees as model cases.
Thorough double confirmation by 2 peopleWe examined clerical works to be double confirmed by 2 people in order to preventsituations which are stemmed from clerical mistakes and which cause customers troubles.These works and required procedures are added to consolidated internal rules.

Simplification of branch office clerical worksWe reexamined a part of forms for examinations and simplified data input to computers inorder to prevent clerical mistakes stemmed from complicated clerical work operations.We also expect that the establishment of Free Call Center, which screens new applicationsand receives queries from customers, reduces the amount of clerical works at branch officesand results in prevention of clerical mistakes.
We steadily executed planned items at the time of formulation of the plan, as well aschecking and reexamining, when necessary, other items which had been already executed.We paid attention not to let employees less-aware of the plan.
We continue sincerely implementing the plan, while examining its effects, in order toenhance the effectiveness.