March 22, 2021
Fincross DIGITAL Co., Ltd.

Demonstration Experiment of Utilizing AI in Creating Sales
Opportunities from Bank Negotiation RecordsFincross DIGITAL Co. Ltd. (President: Masaki Itoh) hereby announces that it has commenced
demonstration experiments of utilizing natural language analysis leveraging AI (the AI Solution“Knowledge Probe” by FRONTEO) to create sales opportunities, along with 6 banks from theFincross Partnership*, The Senshu Ikeda Bank, Ltd. (President: Atsushi Ukai), The Gunma Bank,Ltd. (President: Akihiko Fukai), The San-In Godo Bank, Ltd. (President: Toru Yamasaki), Shikoku
Bank, Ltd. (President: Fumiaki Yamamoto), The Chiba Kogyo Bank Ltd. (President: Hitoshi
Umeda), and Tsukuba Bank, Ltd. (President: Masahiko Ikuta).

*The Fincross Partnership is an alliance between eight regional banks (The Senshu Ikeda Bank,
Ltd., Kiraboshi Bank, Ltd., The Gunma Bank, Ltd., The San-In Godo Bank, Ltd., Shikoku Bank,Ltd., The Chiba Kogyo Bank Ltd., The Tsukuba Bank, Ltd., and The Fukui Bank, Ltd.) aimed at
jointly conducting research and development for digitization of operations.

Notes
1. Background/Circumstances
At banks, a massive amount of negotiation records are being created every day in order tograsp the details of new and ongoing transactions and leverage them in future transactions,but the amount time and effort that are required to examine all of these records to discoveropportunities for new proposals are overbearing, and the inability to utilize these negotiation
records to their full potential has been an issue. This time, we have decided to begin joint
demonstration experiments to discover sales opportunities from negotiation records throughthe use of AI.

2. Characteristics of this Model(1) It will allow us to prevent overlooking sales opportunities that were missed (or could not
be discovered) by sales representatives, discovering them through the analysis of contexts innegotiation records.

(2)It will allow us to generate new business opportunities by discovering potential clientneeds from negotiation records and contributing to solving their issues.

[Reference] Model and vendor for demonstration experiment
Model for Demonstration Experiment

Vendor/Developer of ModelAI Solution “Knowledge Probe”

FRONTEO, Inc.
(Meisan Takahama Building, 2-12-23 Konan, Minato-ku, Tokyo)

3. Expected Results from the Demonstration Experiment(1) Improved efficiency in the checking process, achieved by the AI checking negotiation
records from a given period of time and assigning scores according to the potential of items
leading to sales opportunities.
(2) Improvement in the ability of sales representatives to recognize and discover potential
transactions, achieved by reviewing the sales opportunities that the AI identifies.
(3) Broadening of opportunities to support customers in ways that regional banks are being
required of, such as business succession or mergers and acquisitions.

4. Schedule Going Forward
Timing of System Launch

Process

Late March 2021

Completion of demonstration experiment

Late March 2021

Assessment of experiment results

Beyond April 2021

Examination of commercialization potential

The member banks of the Fincross Partnership will continue to collaborate in proactively utilizing
digital technologies to augment banking businesses and customer convenience.

Any inquiries on this press release shall be made through the inquiry form at
https://finx.jp/#contact