ORIX began as leasing company in 1964 and has expanded operations to lending, rentals, life insurance, brokerage services, real estate-related financing, investment and retail banking. We sell a variety of products and services to provide our corporate customers with individualized financial solutions, which include financing, tax management, consulting and investment banking services. In the personal financial services sector our products include "ORIX Direct" from ORIX Life Insurance Corporation, "Direct Deposits" at ORIX Trust and Banking Corporation, "ORIX Online" at ORIX Securities Corporation as well as our VIP Card Loan at ORIX Credit Corporation. In addition, ORIX also operates automobile rental companies, hotels and golf courses, and a professional baseball team. Overseas operations include leasing, rentals, fixed income investment, aircraft and ship financing, loan servicing, and property development in 22 markets.