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Investor Presentaiton

Strong Financial Base Average Interest Rate and Loan Term (Interest Rate) 2.5% Weighted Average Loan Period Weighted Average Remaining Loan Maturity Weighted Average Interest Rate (Loan Term, Years) 12 10.8 years 10.3 years 10.2 years 9 9.0 years 8.7 years 1.96% 2.0% 9.6 years 8.3 years 8.3 years 7.6 years 7.8 years 6 5.9 years 1.71% 1.5% 5.5 years 1.41% 1.24% 1.04% 0.97% 3 1.0% 0.5% FY14/2 FY15/2 FY16/2 FY17/2 FY18/2 FY19/2 Term Structure of Loans Short-Term 14% (JPY 4.1B) 8% (JPY 4.9B) 6% (JPY 6.1B) 5% (JPY 5.6B) 10% (JPY 10.3B) 8% (JPY 11.3B) Long-Term 86% (JPY 26.1B) 92% (JPY 53.4B) 90% (JPY 94.4B) 94% (JPY 92.2B) 95% (JPY 112.8B) 92% (JPY 132.1B) 一期一会| FY14/2 FY15/2 FY16/2 FY17/2 FY18/2 FY19/2 ICHIGO O Ichigo Inc. All rights reserved. 18
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