I would like to express my sincere gratitude for your valued patronage of Hokkoku Bank.

We have been working on our medium-term business plan, titled "Speed & Quality Up 2012: Thorough commitment to speed and quality," since April 2009. Last year, we began a bank-wide campaign to visit our customers, in order to listen to our customers' feedback and build stronger relationships with them. This year, we are committed to further improving our speed and quality by valuing from our customers' viewpoint, and going a step further in our activities.

All officers and employees of the Bank are united in our commitment to achieving the measures in this plan, in order to build unshakable relationships of trust with all our stakeholders. We are also committed to contributing to the development of our regional communities, while ensuring sound business operations.

We would be grateful for your continuing support and guidance for the Bank.

June 2010

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