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| PRESIDENT'S MESSAGE |
Greetings to all visitors to our website! My name is Katsuaki Kawanishi, and I am president and CEO of
Riverwest Corporation. I would like to welcome you all to take advantage of this new service we provide,
but first, let me tell you why I am venturing into the consumer finance business.
To be very frank, it was ignorance and recklessness on my part that prompted me to start a business
in the United States. About 25 years ago, a friend of mine asked me to do market research on the sales
potential of Callaway Hickory Stick golf clubs in Japan, and I was asked to travel alone to the U.S. where
I had no friends, relatives or acquaintances. Until then, my career was mainly in the media, including radio
and TV broadcasting, and even though I had visited the U.S. several times before, I had no first-hand business
experience and no knowledge of international trade.
My initial impression was shock and disappointment. American society seemed cold and cruel to individuals,
and to companies, for that matter, especially upstart operations. However, I did not idle my time away
I started purchasing sporting goods and other American products for export to Japan. With the success of
these in despair. initial efforts, I soon established a U.S. corporation.
My first contact with payday loansc
Soon afterward, I cultivated friendships with quite a few businesspeople and entrepreneurs, who challenged my
first impression of America as being cold to newcomers. Through them I realized that anyone with a venturing
mind is given a chance to achieve his or her dream. It was about this time that a newly acquired friend
introduced me to payday loans.
I studied some of these licensed short-term loan operations and learned that they are actually
helpful to many people who need cash enough to carry them to their next paycheck. As a business
founded on everyday needs,
I saw it as a way to make lively contact with real people and as an opportunity to provide a helpful service,
different from that of any other existing consumer finance company.
Twenty-five years ago, I suffered great pains to raise funds for my own business, and I still recall other hardships
I experienced. Those pains have promoted me to embark on this new business journey. I welcome all of you to
my new venture and convey my sincerest wishes to serve you right.
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Katsuaki :Kawanishi
President & CEO
Riverwest Corporation
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| Business Model for Cash Matters |
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Cash Matters wishes to provide cash to people who need it right away. We offer small-sum, short-term loans
to help people get by until their next paycheck. We do not wish to and will not provide large-sum or long-term
loans. Our standing principle is that &qout;small, handy money" provided in a timely manner goes a long way.
At Cash Matters every penny counts. We provide just enough money just in the nick of time.
Our venture is secure and is sure to grow because it meets all the social and business criteria for success,
which are profitability, potential and perpetuity. A similar consumer loan service may be offered by major
financial institutions as well as by small businesses, but their profitability is hardly different. This owes to
the well-established system of operation followed by all players in the field; thus, there is no cost difference
due to the size of business. As this trend is likely to continue, we merely need to rely on good management.
The consumer finance market has huge growth potential because of changing lifestyles. Cash Matters believes
in the continuous development of Internet infrastructure, which is now reshaping the way that most business is
done. A new generation of the Internet will impact the finance business. Without physical distribution and the
actual movement of goods, the finance sector is best served by this ever-advancing cyber world. The Internet
is the most powerful source of real-time data, essential to any financial dealing. It is this tool that enables even
small and new companies like Cash Matters to succeed. It is this tool that will return to people the ability to
finance each other, away from a market dominated by financial giants.
As for perpetuity, money has always been a handy means for facilitating the exchange of goods and services.
As long as people live, there will be money. Cash Matters aims to become a convenience store for money, an
essential commodity in everyday life. Better and more convenient service to meet customer needs on the spot
c this is our motto.
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| OUTLOOK FOR THE FUTURE |
| Profitability |
Consumer finance is highly profitable. |
| Potential |
Improved Internet infrastructure will facilitate
the development of the business. |
| Perpetuity |
Money is the perpetual means for the exchange
of goods and services. |
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