THE NISHI-NIPPON CITY BANK, LTD. (the Bank), is a Japan-based regional bank. The Bank primarily provides banking services, such as the provision of deposit, loan, domestic and foreign exchange services, the purchase and sale of commodities, the securities investment, the registration of bonds, as well as the trust and related agency businesses. Through its subsidiaries, the Bank is also involved in businesses related to credit management, revitalization support, investment and financing, manpower dispatching, real-estate collateral research and assessment, management consultation, credit card and credit guarantee. As of March 31, 2012, The Bank had 10 consolidated subsidiaries and one associated company.