| Document Date: 2012-12-20 07:32:34
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City Tokyo / / Company Nikko Beans Inc. / Monex Inc. / MasterCard / AMERICAN EXPRESS / Chiyoda / JCB / Credit Saison Co. Ltd. / Monex Beans Holdings Inc. / Seibu Department Stores / / Currency JPY / / Event Business Partnership / M&A / / Facility Ikebukuro Store / / IndustryTerm financial products / brokerage services / owned subsidiary / financial services / online brokerage / investment services / all-around online brokerage / non-bank / asset management / efforts in offering better services / cardholders with new valueadded services / securities business services / / Person Shoken Chukai-gyo / Shoken Chukai / Hiroshi Rinno / Shoken Chukaigyo / / Position President & CEO / /
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(English Translation) Note: This material is an English translation of a Japanese announcement made on December 16, 2004. Although the Companies intended to faithfully translate the Japanese document into English, the ac