Aozora Bank, Ltd.
Aozora Bank reduced Short Term Prime Rate

Tokyo (January 8, 2009) – Aozora Bank, Ltd. (“Aozora Bank”) today announced that it changed Short Term Prime Rate as follows: 1. Short-Term Prime Rate New Rate After Change
Before Change
1.60% per annum

1.80% per annum
2. Effective Date
On or after Friday, January 16, 2009
3. New Rate Application Method
Applies to new lending, roll-over, and interest payment of short term loans on or
after the effective date.