About the Representative System

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8 The Okazaki Shinkin Bank offers a wide variety of international operations, including overseas remittances and trade transactions, as part of an effort to better tailor services to the more diversified and sophisticated requirements of a client base increasingly engaged in cross-border activities. All branches offer some foreign currency exchange services, and five are capable of offering a full range of such services. Other services include providing exchange-rate information and holding seminars on overseas investment to support local companies as they seek to expand their trade and business connections with overseas countries. We have been broadening our range of international operations since 986, when we first became involved in international correspondent banking. To support these operations, we set up international communications channels and a dedicated computer system for administration of correspondent banking in fiscal 994, and a new online international accounts service in fiscal 00. In May 006, we launched our internet application service for foreign exchange transaction to enhance customer convenience. As of March 3, 04 the Bank's international correspondent banking network encompassed 6 banks located in 44 countries. (As of June 6, 04) total: 6 ASIA BANGLADESH CAMBODIA CHINA HONG KONG INDIA INDONESIA KOREA MALAYSIA PAKISTAN PHILIPPINES SINGAPORE SRI LANKA TAIWAN THAILAND VIETNAM JAPAN NORTH AMERICA CANADA U.S.A. LATIN AMERICA ARGENTINA BRAZIL MEXICO PERU EUROPE BELGIUM DENMARK FRANCE GERMANY IRELAND ITALY LUXEMBOURG NETHERLANDS NORWAY POLAND PORTUGAL RUSSIA SPAIN SWEDEN SWITZERLAND U.K MIDDLE EAST CYPRUS SAUDI ARABIA TURKEY OCEANIA AUSTRALIA NEW ZEALAND PAPUA NEW GUINEA 5

9 We opened the Okazaki Shinkin Bank Bangkok Representative Office in Bangkok, the capital city of Thailand, on October, 03. Initially, the office is being staffed by two employees the office director and one local employee who will investigate and compile data related to support for business expansion into Thailand, local economic trends, and financial trends, in addition to handling local inquiries. Over 90 Okashin clients have expanded their businesses into Thailand, and as the expansion needs of our clients in Thailand and other southeast Asian countries increase, this office puts us in a position to provide greater support to all our clients than was previously possible, both now and in the future. Through the efforts of the Dandanbox Executive Committee, we have been supporting artists who possess the skill to produce marvelous pictures in spite of their disabilities. Since August 0, Okashin has adopted designs from artists for our Dandan envelopes (cash envelopes), IC cash cards, and tissue boxes. In October 03, the nd Dandan Attic Art Exhibition (from the nd through the 6th) was hosted by the Dandan Attic Art Society at the Okazaki Shinkin Bank Museum. In March 04, we adopted designs by the children of the Toyokawa Special Support School for tissue boxes. We opened our Okashin Internet Branch on April 8, 03. This new service lets customers open a savings account and perform transactions using a computer, smart phone, etc., via the Internet. We are also offering term deposits at special interest rates exclusively through our online bank. Please visit our online bank via the Okazaki Shinkin Bank website. Two of our bank branches Togo Branch on November 5, 03, and Chiryu Branch on February 0, 04 have reopened at new locations in new facilities built to prioritize sound construction that emphasizes functionality and is friendly to both people and the environment. Our new facilities have been designed to be more pleasant to use, offering parking lots and multipurpose restrooms that are easier for customers in wheelchairs and people with children to use, and providing community rooms available to everyone in the community for a variety of uses. We hope you come and visit our new branches! Togo Branch Chiryu Branch

10 (As of June 30, 04) (As of June 30, 04)

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