Appendix

Appendix 3 Credit Information Bureaus in Japan

(as of March, 2011)

	Personal Credit Information Center	Japan Credit Information Reference Center Corp.(JICC)	Credit Information Center Corp.(CIC)
Establishment	October 1988	June 1986	September 1984
Umbrella organization	Japanese Bankers Association	-	-
Network	nation-wide	nation-wide	nation-wide
Number of members※	1,260 institutions	1,601 institutions	1,021 institutions
Quantity of information registered※	87.0 million contracts	216.7 million contracts	506.9 million contracts
Share of negative information like payment delays※	2.4%	N.A	2.0%
Number of inquiries (as of March 2011)	0.84 million	9.9 million	14.2 million
Information retention period	5 years	5 years	5 years
Consumer relation office for disclosures	10 bankers associations	2 JICC branches	7 CIC branches