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1 Company Information Material Premium finance and service worldwide ver.

2 1. Company Profile 2. Strengths 3. Growth Strategies 4. Summary 2

3 1. COMPANY PROFILE 3

4 Company Profile Company Name TSE code / TSE market Established Head Office President and CEO Total number of issued shares Capital Number of Employees Major Shareholders Group s Business Premium Group Co., Ltd / Tokyo Stock Exchange Second Section May 25, 2015 *In 2007, Premium Financial Services Co., Ltd. (then G-ONE Credit Services Co., Ltd.) was established. Started its business as a second-tier subsidiary of IDOM Inc. (then Gulliver International Co. Ltd.) Roppongi First Bldg., 9-9, Roppongi 1-chome, Minato-ku, Tokyo Yoihichi Shibata 6,060, ,348,00 JPY (Note) Including capital reserves 334 employees (Number of employees in the group as of June 30, 2018, excluding temporary staff) Coupland Cardiff Asset Management, Mitsui Sumitomo Asset Management Recruit Holdings Co., Ltd., Aozora Bank,Ltd.,Sompo Japan Nipponkoa Insurance Inc., SUMITOMO CORPORATION Primary businesses include automobile credit finance business, development and sales of warranty products, and operation of automobile maintenance facilities in Japan. Our overseas businesses include consulting/warranty businesses in Thailand and other countries. 4

5 Automobile Credit Finance Business as a Group Including Ten Subsidiaries in Japan and Overseas Premium Group Co., Ltd. (Note) Hereinafter, PG Japan Thailand Indonesia (Note) % in the figure on the right indicates the ownership ratio of a voting right. Percentages in ( ) indicate indirect ownership, which is the included percentage. ECL s percentage of ownership is indicated as of the end of Premium Financial Services Co., Ltd. Core Subsidiary (Note) hereinafter, PFS PAS Co., Ltd. PLS Co., Ltd. Premium System services Co., Ltd. PFS (Thailand) Co., Ltd. CIFUT Co., Ltd. Eastern Commercial Leasing p. l. c. Eastern Premium Services Co., Ltd. Finance and warranty businesses focused on autos and finance Automobile repair, sheet metal, and painting business Auto lease business for individual customers System planning, development and operation Consulting, warranty product development business in Thailand Development and provision business of automobile-related IoT devices Automobile finance business (Listed on the Stock Exchange of Thailand) 100.0% 100.0% 100.0% 67.4% 48.0% 49.0% 25.5% (25.5%) Auto repair business in Thailand 36.0% Pt Premium Garansi Indonesia Warranty business in Indonesia 33.0% Consolidated Subsidiaries Equity Method Affiliates 5

6 Established as a second-tier subsidiary of Gulliver International and has made its own way in selecting shareholders and independently pursuing growth opportunities 2007 Premium Financial Services Co., Ltd.(then G-ONE Credit Services Co., Ltd.) was established. (July) Established as a subsidiary of G-ONE Financial Services Co., Ltd., which was second-tier subsidiary of Gulliver International Co., Ltd The shareholder changed from G-ONE Financial Services to SBI Holdings Inc. (July) The trading name changed to SBI Credit Co., Ltd. (October) isigma Capital Corporation (Marubeni s 100% subsidiary) became our parent company. () Our company name changed from SBI Credit Co., Ltd to Premium Financial Services Co., Ltd. (July) When our shareholder changed to a fund managed/operated by AZ-Star Co., Ltd. (jointly established by Aozora Bank, Ltd., Kanematsu Corporation, and ES Networks Co., Ltd.) in May, AZ-Star Ichi-go Investment Limited Partnership (renamed to Premium Group Co., Ltd. in July) was established to hold the investment. The Tokyo Star Bank, Limited became an investor at a later date. Premium Group Co., Ltd. accepted a third-party allocation of shares by Eastern Commercial Leasing p.l.c. (listed on the Stock Exchange of Thailand) in February. PFS Co., Ltd., the first local affiliate overseas, was established in Thailand. (April) Took 25.5% of shares of Eastern Commercial Leasing p.l.c., making it into an affiliate. (May) Premium Group Co., Ltd. was established as a holding company in July. Operating companies including PFS were established under the umbrella of the Premium Group. (August) PAS Co., Ltd, specializing in services in the car market field, was established. (August) Eastern Premium Services Co., Ltd. was established in Thailand as a joint venture for automobile maintenance services. (November) CIFUT Co., Ltd. was established in Itako, Ibaraki, as a joint venture for the manufacture/sales/provision of an engine starting control system with a locating function for automobiles. (July) Premium Lease Co., Ltd. was established to expand the product lineup for auto finance. (July) Pt Premium Garansi Indonesia was established as a local affiliate in Indonesia to promote the warranty business. (November) Premium Group Co., Ltd. got listed with 2 nd section of the Tokyo Stock exchange.(december) Premium System Services Co., Ltd. was established. (June) 6

President and CEO, Leading Our Company Since Its Foundation President and CEO Yoichi Shibata Founder Finance knowledge Auto knowledge 1982 Joined Satoshoji Corp. (April) 1985 Joined APLUS Co., Ltd.

, Ltd. (April) Assumed role of President and CEO of PFS Co., Ltd. (then G-ONE Credit Services Co., Ltd.). (August) Appointed as board member of Eastern Commercial Leasing p.l.c. (May) Appointed as board member of PFS (Thailand) Co.

7 President and CEO, Leading Our Company Since Its Foundation President and CEO Yoichi Shibata Founder Finance knowledge Auto knowledge 1982 Joined Satoshoji Corp. (April) 1985 Joined APLUS Co., Ltd. (then Daishinpan Inc.) (April) Appointed as a board member of Pacific Auto Trading Co., Ltd. (April) Joined IDOM Inc. (then Gulliver International Co., Ltd.) (December) Appointed as executive officer of the Gulliver International Co., Ltd. (April) Assumed role of President and CEO of PFS Co., Ltd. (then G-ONE Credit Services Co., Ltd.). (August) Appointed as board member of Eastern Commercial Leasing p.l.c. (May) Appointed as board member of PFS (Thailand) Co., Ltd. (May) Inaugurated as President and CEO of PG Co., Ltd. (July) Inaugurated as President and CEO of PAS Co., Ltd. (August) Appointed as part-time board member of Eastern Premium Services Co., Ltd. (November) 2017 Assumed role of President and CEO of Premium Lease Co., Ltd. (July) 2018 Appointed as board member of PFS(Thailand) Co., Ltd. (April) 7

Establishing a unique position as an independent company Goods installment offering companies are categorized into three groups, namely, independent, consumer credit-dedicated, and

Also, we have product formation and credit management abilities acquired through our consumer credit business as well as the knowledge of retail needs which has been brought about to us through our

Independent Company Consumer Credit-Dedicated Manufacturer/Retail Affiliated Position Knowledge of both finance and automobile sellers coexists. Sales activities focused on the automobile industry.

These companies became affiliated with banks to recover, but the flexibility of their business management has also been reduced. Sales channels are limited (mostly through their affiliate companies).

8 Establishing a unique position as an independent company Goods installment offering companies are categorized into three groups, namely, independent, consumer credit-dedicated, and manufacturer/retail-affiliated companies. We are an independent company, which means we do not have any restrictions in terms of products/services to provide and sales channels. Also, we have product formation and credit management abilities acquired through our consumer credit business as well as the knowledge of retail needs which has been brought about to us through our personnel with backgrounds in retail-affiliated companies. Independent Company Consumer Credit-Dedicated Manufacturer/Retail Affiliated Position Knowledge of both finance and automobile sellers coexists. Sales activities focused on the automobile industry. Dominated by manufacturers (productfocused composition). Dominated by sellers (sales sites). Main Companies Premium Leading credit companies Subsidiaries of automobile manufacturers Competitive Weakness We have low brand awareness and this hinders our fund raising and personnel recruiting activities. (we aim to leverage IPO to overcome this problem) Reduced credit creation ability due to defaulted claims, maximum allowable interest rates, and other issues. These companies became affiliated with banks to recover, but the flexibility of their business management has also been reduced. Sales channels are limited (mostly through their affiliate companies). (Note) Goods installment offering companies are the companies which offers installment sales contracts to consumers. Estimated Percentage of Automobile Credit Business Market 100.0% Specialized Know-how/ Sales Ability 50.0% 98.0% 66.9% 56.6% 48.1% 0.0% Our company Company A Orico Company B JACCS Company C APLUS (Source) Prepared by our company based on public materials of each company and the performance of our group for the fiscal year ended Product Formation Ability/ Credit Management Ability Valuation of Products (Note) For the percentage of automobile credit business, the percentage of automobile credit (automobile loans) of all claim billing relates and is calculated based on the goods installment business, individual credit offering, and credit guarantees. 8

9 Diversified Business Portfolio as an Independent Company Other Business 1.4% Maintenance Business Automobile repairs required in the warranty business Overseas Business Overseas business expansion (mainly in Thailand) W Warranty Business 22.8% Warranty business for automobiles purchased by consumers Primarily providing warranty products that the company has developed on its own Operating revenue by each business service (for the fiscal year ended 2018) 9,064 Million JPY C Credit Finance Business 75.8% Handling automobile finance focused primarily on used cars (Note) C and W represent the Credit Finance business and the Warranty business, respectively, and are shown in the upper right of the corresponding slides. (Applied to following pages) 9

10 Growth Achieved by Steadily Building Profit Since Establishment C W Both the Credit Finance and Warranty businesses have achieved growth of more than 10% every year since the establishment and expect the continued accumulation of surplus and profit. Credit Finance Business Warranty Business (Million yen) (Million yen) 250, ,554 M 3,000 2,631 M 200, ,286 M 2,500 2,501 M 150,000 2,000 1, ,000 1,000 50, Total Volume of new loans Receivable Balance Total volume of new warranties Balance (Note) Total volume of new loans and Total volume of new warranties" refer to the amount of newly signed credit or warranty contracts within a year. Receivable Balance and Balance represent the total amount of money that has not been repaid by customers or whose warranty period has not elapsed at the relevant time in the accumulated total of the loans from the commencement of operations to the end of each fiscal year. All of the above values are PFS data. 10

11 2.STRENGTHS 11

Characteristics and Strengths (1) Building up accumulative revenues in an advantageous market environment C 1 Resilience During Economic Downturns 2 Barriers to Entry 3Accumulative Revenues Targets

12 Characteristics and Strengths (1) Building up accumulative revenues in an advantageous market environment C 1 Resilience During Economic Downturns 2 Barriers to Entry 3Accumulative Revenues Targets daily essentials. (automobiles) Mostly claims on individuals. The used car sales volume remains stable every year. Large amounts of capital is required for system implementation and advance payment on behalf of a third party. Industry restructuring took place and many companies withdrew from this segment in the mid-90 s, followed by refunds for overpaid interest. Since then, no major company has decided to enter this industry. A license based on Installment Sales Act is required to start this business. The revenues are divided and recorded for multiple years (4 years on average), while the costs are recorded immediately in one lump sum. Balance increments in this business model. Recognize revenue over the term of each loan. Benefit of Basic Demands Remaining Players Stable Growth 12

Characteristics and Strengths (2) Low-risk Receivables in the Credit Finance Business Provided to Individuals as End Customers C 1 Most of the loans are contracted directly between banks and

13 Characteristics and Strengths (2) Low-risk Receivables in the Credit Finance Business Provided to Individuals as End Customers C 1 Most of the loans are contracted directly between banks and purchasers Clarify division of roles with banks (refer to page 20). Provide joint and several guarantee and are involved in sales, credit examination, and credit collection. Payments for third parties are off-balanced on a periodical basis by a securitization scheme. 2 Mainly small and diversified claim management The claims are made smaller, diversified, and shorter-term. Delinquent loan rate is approx. 1%. Default risks have already been covered by insurance and credit allowances. Unlike credit cards, additional credit is not required and credit monitoring costs are generally low. 3 Tolerance to interest rate fluctuation risk The interest sensitivity of purchasers of used cars is relatively low. Differ from housing loans for which high, long-term repayments are required. Most of the variable costs in the earnings of PFS relate to insurance expenses (refer to page 21). Aim to minimize the balance sheet risks Control default impacts Cost structure that does not assume low interest (Note) The delinquent rate is a rate in the receivable balance of all the claims that are overdue for three or more months. 13

Maintain advantageous cash position, intermediating between banks and network stores C Although collaborative loans are funded mainly by banks, PFS provides joint and several guarantee and is

14 Maintain advantageous cash position, intermediating between banks and network stores C Although collaborative loans are funded mainly by banks, PFS provides joint and several guarantee and is involved in sales, credit examination, and credit collection. Overview of Collaborative Loan Business Regarding Automobile Credit Contract Flow of Funds Services Network Store 3 Pay credit charges and promotion expenses Network Store Contract PFS 7 Monthly payment Guarantee Agreement 4 Provide funds Pay insurance expenses Insurance Contract (Credit insurance backed by guarantee institution) Affiliated Financial Institution (Bank) Insurance Company 6 Monthly payment Credit contract (Guarantee consignment contract) 2 Audit and approval 1 Apply for a loan Sales Contract Customer Insurance Loan Contract 5 Sell cars 2 Audit and approval (Note) A network store refers to a business operator that has signed a network store contract with our group and continuously offers and brokers the credit products provided by our group. 14

15 Characteristics and Strengths (3) Focus on Auto credit as an independent specialized company to establish a unique competitiveness C W 1 Know-how of Auto& Finance business 2 Multiple and combined product lineup 3 Nationwide real sales network Automobile credit Know-how of credit and management for individuals Warranty Product development capability backed up by sales results Car maintenance and repair Accumulated car repair and maintenance data Acquired car repair shops to be group operated Staffed with qualified mechanics Unlike bank affiliates, PFS itself can conduct warranty business Improve sales efficiency by cross-selling (credit & warranty & car maintenance/sheet metal) Deepen the relationship with network stores by introducing combined service discounts, etc. A robust network with approximately 16,000 network stores in Japan Branch network in major cities A lot of investments in human resources development to grow sales representatives Expertise Productivity Mobility 15

16 3.GROWTH STRATEGIES 16

While increasing revenues through growth strategies, aim for a non-automobile credit financing business revenue rate of 50% (1) Deepen the existing business Expanding the business revenue base

Composition (2)Expand the peripheral businesses Expand business in the CAR MARKET (Utilizing after-market expertise) Expand individual credit management-related business (Using expertise in

to the Indonesia market (Strategic partnership with Sinar Mas, a subsidiary of Sumitomo Corporation) 50% Current Situation Other Businesses (overseas/car maintenance) Warranty Business Operating

17 While increasing revenues through growth strategies, aim for a non-automobile credit financing business revenue rate of 50% (1) Deepen the existing business Expanding the business revenue base through MULTI ACTIVE (Combining revenues by cross-selling and diversion of expertise) Expanding the warranty business (Establish it as a growth powering business) Future Illustrative Image of Revenue Composition (2)Expand the peripheral businesses Expand business in the CAR MARKET (Utilizing after-market expertise) Expand individual credit management-related business (Using expertise in individual credit management) (3) Expand into the overseas market Accelerate the business in the Thailand market (Promoting area expansion by acquiring car maintenance and repair facility) New entry to the Indonesia market (Strategic partnership with Sinar Mas, a subsidiary of Sumitomo Corporation) 50% Current Situation Other Businesses (overseas/car maintenance) Warranty Business Operating Revenue (Fiscal year ending Mar. 2018) 9,064 mn JPY 50% Automobile Credit Financing Business (Note) CAR MARKET refers to the businesses that utilize the markets accompanying and related to sales of automobiles, the so-called car after-market. MULTI ACTIVE refers to our general strategy to expand the scope of services we provide in relation to automobile purchases and ownership. 17

Promote the concept of MULTI ACTIVE for growth

services for network stores to establish a

Expertise Diversion Cross-selling Credit Car

Warranty Network Stores Automobile Concierge

Maintenance /Sheet Metal New Vehicle Brokerage

ACTIVE refers to our general strategy to

18 Promote the concept of MULTI ACTIVE for growth Business structure to provide multiple services for network stores to establish a continuous trading relationship Credit Expertise Diversion Cross-selling Credit Car Leasing Development of Service Businesses Warranty Network Stores Automobile Concierge Service Repair Data Utilization Car Maintenance /Sheet Metal New Vehicle Brokerage Product Portfolio Enhancement (Note) MULTI ACTIVE refers to our general strategy to expand the scope of services we provide in relation to automobile purchases and ownership. 18

19 Expansion Overseas(1)Thailand Promote full-scale business expansion based mainly on the increase in the number of car maintenance shops Thailand is a market where we can show our competitive strengths relatively easily because Japanese cars account for approximately 90% of automobile sales volume. Business Collaboration Business collaboration with Eastern Commercial Leasing p.l.c. (Feb. 2016) Establishment of the Local Subsidiary Establish PFS (Thailand) Co., Ltd. (Apr. 2016) Strategic Investment Capitalize 25.5% of Eastern Commercial Leasing p.l.c. (May 2016) Establishment of a Joint Venture Company Establish Eastern Premium Services Co., Ltd.(Nov. 2016) Transition of ECL Stock and Overall Index in Thailand Japanese Car Sales Volume Share in Thailand ECL SET Index ECL became an affiliate company Obtained warrant from ECL to maintain the capital relationship 0 January 2016 July 2016 January 2017 July 2017 The First Car Maintenance Shop in Thailand Opened Toyota (Excluding LEXUS) Isuzu Honda Mitsubishi Nissan Mazda Suzuki Sales Volume 768,788 units Share of Japanese Cars 87.3% EPS *Eastern Premium Services Co., Ltd. Hino Shop Name Start of Operation FIX MAN Nawamin (Bangkok) Sep. 22, 2017 Ford Chevrolet Services Overall car maintenance services 1Car inspection, diagnosis, repair, and replacement 2Computerized inspection and diagnosis of vehicles using scanning tool 3Periodical inspection 4Full automatic air conditioner refreshing service 5Replacement and attachment of electric components (Note) The upper left figure shows the transition of stock and index when considering those as of January 4, 2016 as 100 Others High share of Japanese cars The expertise on automobiles that has been accumulated in Japan is applicable. (Source) MarkLines. Accumulated volume from Jan. through Dec

Expansion Overseas(2)Indonesia Promote the warranty business, partnering with a subsidiary of Sumitomo Corporation Alliance with Sumitomo Corporation Transition of Automobile Sales Volume (in

Asia by utilizing the network of Sumitomo Corporation. (mn units) 1.4 1.2 1.1 1.2 1.2 1.1 1.1 1 0.9 1.0 Product design and planning Market exploration and corporate management 0.8 0.8 0.6 0.

20 Expansion Overseas(2)Indonesia Promote the warranty business, partnering with a subsidiary of Sumitomo Corporation Alliance with Sumitomo Corporation Transition of Automobile Sales Volume (in Indonesia) After the establishment of the joint venture company (PGI), we signed a business collaboration agreement with Sumitomo Corporation, anticipating expansion to other countries in South East Asia by utilizing the network of Sumitomo Corporation. (mn units) Product design and planning Market exploration and corporate management PT Premium Garansi Indonesia (Joint company consisting of four companies) Automobile-related consulting services Local support Providing market expertise (Source) GAIKINDO (Gabungan Industri Kendaraan Bermotor Indonesia) (Note) The actual operator on site is PT Summit Auto Group, a subsidiary of Sumitomo Corporation. 20

21 4.SUMMARY 21

22 Executive Summary Warranty business will lead growth based on our extensive experience in automobile credit financing The accumulation-type revenue model Advantageous cash position as we are generally not required to take the risk of advancing funds for payments Automobile credit financing is a diversified and lower risk claim, Which is generally covered by an insurance Pursue future growth opportunities through our MULTI ACTIVE strategy, other related businesses, and expansion abroad 22

23 Management Philosophy Aiming for a New, Affluent Society Creating a New, Affluent Society through Premium Finance & Services We will provide top-class finance and services to people all over the world to contribute to the establishment of a new, affluent society. Developing Premium Human Capital with a Positive Attitude and Excellent Follow-Through We will develop spiritually rich human capital who are always positive and can accumulate experience in each process enthusiastically. 23

Mazda Motor Corporation June 17, 2011

FY ENDING MARCH 2012 FINANCIAL FORECAST New MAZDA Demio 13-SKYACTIV Mazda Motor Corporation June 17, 2011 1 PRESENTATION OUTLINE FY ending March 2012 Forecast Updates of Framework for Medium- and Long-term