Olive Consulting and FOLIO Group Announce Business Alliance and Launch of 'Olive Wrap' via SBI Securities

Olive Consulting Co., Ltd. (Representative Director and President: Akira Honda, hereinafter 'Olive Consulting'), FOLIO Holdings Co., Ltd. (Representative Director, President and CEO: Shinichiro Kai, hereinafter 'FOLIOHD', collectively referred to as 'FOLIO Group'), and FOLIO Co., Ltd. (Representative Director: Morifumi Yotsumoto, hereinafter 'FOLIO') have signed a basic agreement regarding a business alliance. This alliance aims to expand business and enhance corporate value by mutually utilizing their respective technologies, know-how, and management resources. Furthermore, we are pleased to announce that a new product jointly developed by Olive Consulting and the FOLIO Group will be available starting May 30th, offered as a financial instruments intermediary service with SBI Securities Co., Ltd. (Representative Director and President: Masato Takamura, hereinafter 'SBI Securities') as the entrusted financial instruments business operator.

1. Background and Purpose of the Business Alliance

In Japan, the launch of the new NISA in 2024 has lowered the hurdle for starting asset management due to the expanded use of the installment investment quota, accelerating the growth of a new investor base, including younger generations. However, there are still many who feel the need for asset management but have not started due to being too busy. Additionally, some who have already started investing express anxiety about whether their current strategy suits them.

Accordingly, Olive Consulting, which provides the SMBC Group's new asset management services, and the FOLIO Group, which offers innovative financial solutions within the SBI Group, have concluded a basic agreement for a business alliance. This agreement aims to expand business and improve corporate value by mutually leveraging their technologies, know-how, and management resources around the following key areas. Through these efforts, we will further accelerate the domestic shift 'from savings to investment' and contribute to the sustainable development of the economic society.

- Joint development and enhancement of products: Developing products that leverage the strengths of both parties and improving service convenience. - Mutual cooperation to expand the customer base: Acquiring new customers and strengthening retention using the resources of both parties. - Discussions for further expansion of the alliance scope: Building an ongoing partnership to maximize future synergies.

2. Overview of the New Product 'SBI Wrap Olive Consulting Course (Nickname: Olive Wrap)'

Olive Wrap is a new asset management service exclusively for Olive Consulting customers, offering peace of mind through both automated management and advisory consultations at the industry's lowest fees (*1).

*1: Based on a comparison with the top 10 companies in wrap business contract assets according to the 'Contract Asset Status (Latest Version) (as of end-Dec 2025)' published by the Japan Investment Advisers Association. Investigated by Olive Consulting as of the end of December 2025. *2: Consultations are for customers with contract amounts of 10 million yen or more.

<Overview of Olive Wrap>

(1) Fees - The customer burden is at the industry's lowest level. We've simplified it to only the truly necessary functions, achieving an easy-to-continue fee structure.

(2) Premium Support - Regular support by advisors. A follow-up service by Olive Consulting advisors is available for customers who contract Olive Wrap for 10 million yen or more. We provide regular support based on market trends and asset status.

(3) Investment Strategy - Professional automated management. Diversified investment across 10 assets, including equities, bonds, and alternative assets. Advanced asset management is realized through FOLIO's flexible operations based on portfolio advice from SMBC Global Investment & Consulting Co., Ltd. With a unique design combining the wisdom of the SMBC and SBI Groups, it aims for portfolio management that is resilient to market changes and can be trusted over the long term.

(4) Easy Procedure - Complete on a smartphone, easy to start investing smoothly. You can choose the investment style that suits you just by answering 7 questions. The entire process from application to deposit is smoothly completed on a smartphone. You can start from 10,000 yen, and monthly installment investments from 1,000 yen are also possible.

[Display related to the Financial Instruments and Exchange Act, etc.] Trade Name, etc.: Olive Consulting Co., Ltd. (Financial Instruments Intermediary) Registration Number: Director-General of the Kanto Local Finance Bureau (Kinchu) No. 1082 Affiliated Financial Instruments Business Operator: SBI Securities Co., Ltd., Registration Number: Director-General of the Kanto Local Finance Bureau (Kinsho) No. 44, Commodity Futures Business Operator Member Associations: Japan Securities Dealers Association, Financial Futures Association of Japan, Type II Financial Instruments Firms Association, Japan Investment Advisers Association, Japan STO Association