||Started operations as a subsidiary of GE Capital (U.S.)
||Acquired the business right of the consumer finance business from Lake Co., Ltd.
||All equities of GE Consumer Finance K.K. were assigned to Shinsei Bank
||Decided to withdraw from the credit card, shopping credit, and housing loans businesses to focus on the personal loan business under the “Lake” brand
||Changed the company name to Shinsei Financial Co., Ltd.
||Made SHINKI Co., Ltd. (currently Shinsei Personal Loan Co., Ltd.) a wholly-owned subsidiary
||Acquired from Shinsei Bank all common equities of APLUS Financial Co., Ltd. held by the Bank
||Assigned part of the unsecured personal card loan business to Shinsei Bank and began the guarantee business for unsecured personal loans launched by Shinsei Bank under the “Shinsei Bank Card Loan Lake” brand
||Consolidated management with SHINKI Co., Ltd. (currently Shinsei Personal Loan Co., Ltd.)