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The CEO's Discussion of Performance Summary and Progress Towards Medium-Term Goals

Two Consecutive Years of Operating Income Improvements are Proof Positive of Reorganization's Effectiveness. With an Eye Towards Sustained Growth, Next Year We Will Attain Our Third Straight Year of Growth in Operating Income.

In this section, I' d like to respond to investor and stakeholder concerns that came up in meetings during the past year. These concerns involved performance during this fiscal year (ended March 31, 2015), medium-term business goals and strategies, CSR, corporate governance and financial and dividend measures. These issues will be addressed on the following pages in a Q&A format. This section is only an overview.

Performance and Commitment

Medium-Term Business Goals

Fund Procurement

CSR (Corporate Social Responsibility)

Corporate Governance

Shareholder Return

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