Business Partnership with Auto Server Co., Ltd.

Shinsei Financial Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo; President and CEO: Tadashi Wachi; hereinafter referred to as "our company") has entered into a business partnership agreement with Auto Server Co., Ltd. (Headquarters: Chuo-ku, Tokyo; President: Noriaki Takada; hereinafter referred to as "Auto Server"). Starting July 1, 2026, we will offer the loan product "Lake de Business," designed to meet business funding needs, to businesses utilizing Auto Server's used car distribution service "ASNET".

This partnership aims to support the business expansion and funding needs of businesses using ASNET.

Our company will provide prompt and flexible financing for business activities, such as procurement and operating funds, contributing to the business growth and improved convenience of businesses using ASNET.

"Lake de Business" is a business loan product for sole proprietors, with a maximum loanable amount of 5 million yen. As it is limited to business purposes, it can accommodate loans exceeding one-third of annual income (subject to screening), allowing us to meet relatively large funding needs. Furthermore, it offers a convenient financing method as collateral and guarantors are generally not required, and it can be repeatedly used through affiliated ATMs within the credit limit.

In this initiative, we will collaborate with our group company, Showa Lease Co., Ltd. (Headquarters: Chuo-ku, Tokyo; President: Nobusuke Taizan), centered on the partnership with Auto Server, to expand our services and further enhance customer convenience and satisfaction.

Starting with this partnership with Auto Server, our company will actively promote similar partnerships to meet the funding needs of customers in various business fields. We will continue to strive to expand our products and services and strengthen our service provision system to contribute to our customers' business growth.

Lending Conditions

Loan Amount

10,000 yen to 5,000,000 yen

Annual Interest Rate

4.5% to 18.0%

Eligible Borrowers

Sole Proprietors (Ages 20-70)

Late Payment Charge (Annual Rate)

20.0%

Repayment Method

Sliding balance revolving method Fixed installment revolving method

Repayment Period

Up to 10 years / 120 installments

Number of Repayments

Additional borrowing within the credit limit and early repayment will vary the repayment period and number of installments according to the loan and repayment plan.

Purpose of Funds

Business funds (excluding startup funds)

Collateral/Guarantor

Not required

Example Repayment

Prerequisites

Annual Interest Rate: 15.0%

Loan Amount: 1,000,000 yen Repayment Method: Sliding balance revolving method

Repayment Example

Monthly Payment: 25,000 yen Number of Repayments: 56 installments Total Repayment Amount: 1,386,437 yen

If paying the monthly amount every 30 days. Additional borrowing or repayment exceeding the minimum payment may result in a different repayment period and total repayment amount.

Remarks

A prescribed screening process is required for contract.

About Shinsei Financial Co., Ltd.

Company Name: Shinsei Financial Co., Ltd.

Address: 3-12-8 Sotokanda, Chiyoda-ku, Tokyo

Representative: Tadashi Wachi

Registration Number: Kanto Local Finance Bureau Director (11) No. 01024, Japan Financial Services Association Member No. 000003

URL: https://www.shinseifinancial.co.jp/

Business Activities: Personal loans, credit guarantees, etc.

About Auto Server Co., Ltd.

Company Name: Auto Server Co., Ltd.

Address: Ryohwa Building 5F, 4-6-2 Nihonbashi Muromachi, Chuo-ku, Tokyo

Representative: Noriaki Takada

URL: https://www.autoserver.co.jp/

Business Activities: Information processing and provision related to car sales using computer communication systems in information networks. Planning, development, sales, and maintenance of computer systems.

End

Contact Information

SBI Shinsei Bank, Sustainability & Communications Division

For Media Inquiries: SBIShinsei_PR@sbishinseibank.co.jp For Shareholders and Investors: SBIShinsei_IR@sbishinseibank.co.jp