Update: October 2023

We have prepared a risk map for the retail and FinTech businesses by organizing the possible risks and target parties in our business activities.
This section identifies key human rights issues for the Marui Group, and outlines initiatives and future directions for addressing them.

Human Rights Risks in Business Activities and Potentially Impacted Parties Major Targets and Anticipated Risks

Targets
Retailing

Product Manufacturing and Distribution

MARUI
MARUI GROUP’s
GROUP’s Activities
Activities

・Employees of business partners(domestic and overseas suppliers)・MARUI GROUP employees
・Residents of communities surrounding
factories

・Employees of business partners(tenants)
・MARUI GROUP employees

・Customers

Manufacturing and distribution

Sales, e-commerce site operations, events

Purchase, use

・Employees of business partners(domestic suppliers)

・MARUI GROUP employees

Manufacturing

External marketing, sales, cardholder
recruitment, credit, systems development

Sales, cardholder recruitment, application Application, payment, donation,
processing
cumulative investment

Customer inquiries, loss support, payment
request〈Rights of business partners andMARUI GROUP employees〉
・Discrimination
・Acceptance of diversity
・Political involvement
・Forced labor
・Child labor
・ Human trafficking
・Low-wage labor
・Excessive work hours
・Equal remuneration
・Living wage・Occupational health and safety
・Right to collective bargaining
・Freedom of assembly
・Right to breaks
・Health promotion・Work style options
・Discrimination in hiring and promotions
・Harassment
・Privacy〈Residents of communities surrounding
factories〉
・Lives of local residents
・Land rights〈Rights of business partners andMARUI GROUP employees〉
・Discrimination
・Acceptance of diversity
・Rights of cultural, religious, andlanguage minorities
・Low-wage labor
・Excessive work hours
・Equal remuneration
・ Living wage・Occupational health and safety
・Right to collective bargaining
・Freedom of assembly
・Right to breaks
・Health promotion・Work style options
・Discrimination in hiring and promotions
・Harassment
・Privacy〈Rights of business partners andcollaboration partners〉
・Discrimination
・Acceptance of diversity
・Rights of cultural, religious, andlanguage minorities
・Low-wage labor
・Excessive work hours
・Equal remuneration
・Occupational health and safety
・Right to collective bargaining・Freedom of assembly
・Right to breaks
・Health promotion・Work style options
・Discrimination in hiring and promotions
・Harassment
・Privacy〈Rights of MARUI GROUP employees〉
・Discrimination
・Acceptance of diversity
・Rights of cultural, religious, andlanguage minorities
・Excessive work hours
・Equal remuneration
・Occupational health and safety
・Right to breaks
・Health promotion・Work style options
・Discrimination in hiring and promotions
・Harassment
・Land rights
・Privacy(Collaboration Partners’ Activities)（Collaboration Partners’ Activities）

Use by Customers and After-Sales Services
Use by Customers and After-Sales Services

Activities

Targets
FinTechActivities

Major
anticipatedrisks

Business partners

・Customers

Employees of Collaboration Partners〈Rights of customers〉
・Discrimination
・Acceptance of diversity
・Rights of cultural, religious, andlanguage minorities
・Occupational health and safety
・Lives of local residents
・Adverse impacts of products
・Rights of vulnerable people
・Land rights
・Rights of children
・Privacy

・MARUI GROUP employees(call centers, tsumiki）

Human Rights Risk Map—Retailing Segment

Update: October 2023

4Right to collective bargaining(manufacturing anddistribution services/ overseas)
Lives of local residents(Raw materials/ overseas)

Likelihood of occurrence
Industry / country characteristics

32Harassment
Harassment (manufacturing,distribution services andsales)Child labor(manufacturing services/ overseas)
Discrimination[including Indigenous people
Migrant labor](manufacturing services/ overseas)
Harassment(manufacturing services/ overseas)

Discrimination[including Indigenous
people Migrant labor]
Acceptance of diversity[including Indigenous
people Migrant labor]
Rights of vulnerable people
Adverse impacts ofproducts

Rights of cultural, religious,and language minorities(manufacturing and distribution
services/ overseas)
Lives of local residents(manufacturing anddistribution services/Acceptance of diversity
overseas)[including Indigenous
Rights of children(manufacturing and distribution people Migrant labor]
services/ overseas)

Low-wage labor(manufacturing and distribution
services/ overseas)
Excessive work hours(manufacturing and distribution
services/ overseas)
Health promotion (manufacturing anddistribution services/ overseas)

Right to breaks(manufacturing anddistribution services/overseas)
Land rights (manufacturingand distribution services/overseas)
Acceptance of diversity[including Indigenous people
Migrant labor](manufacturing and distribution
services/ overseas)

Forced labor (manufacturingand distribution services/overseas)
Privacy (distribution services/overseas)

1

2

3…MARUI GROUP

Occupational healthand safety
Privacy (distributionservices/ domestic)

Privacy

Occupational health and safety(manufacturing and distributionservices/ overseas)

Work style options
Work style options

45

Degree of impact
Seriousness + scale (number of people)

6

7…Raw materials / suppliersof manufacturing and…Business partners andtenants10…Customers

89

Human Rights Risk Map—FinTech Segment

Update: October 2023

4Rights of vulnerable people
Discrimination[including Indigenous people Migrant labor](manufacturing services/ domestic)
Discrimination[including Indigenous people Migrant labor](planning, call centers)

Privacy
Discrimination[including Indidenous people Migrant labor]
Adverse impacts of products
Privacy
Occupational health and safety (system)
Privacy (sales)…Customers…Raw materials / suppliersof manufacturing anddistribution services)…Business partners andtenants…MARUI GROUPLikelihood of occurrence
Industry / country characteristics

32

Harassment (manufacturingservices/ domestic)
Harassment
Discrimination[including Indigenous people
Acceptance of diversity[including Indigenous people(planning, call centers)
Rights of cultural, religious,and language minorities(planning, call centers)
Harassment (sales)
Right to breaks (system)
Work style options (system)

Health promotion(manufacturing services/domestic )Migrant labor]
Migrant labor]

12

Occupational health and safety(manufacturing services/ domestic)
Privacy (manufacturing services/ domestic)
Occupational health and safety
Discrimination[including Indigenous people Migrant labor]
Occupational health and safety (sales)

Acceptance of diversity[including Indigenous people
Migrant labor]
Excessive work hours(manufacturing services/domestic)
Right to breaks(manufacturing services/domestic)
Work style options
Acceptance of diversity[including Indigenous people
Migrant labor]
Work style options(sales)10

Occupational
health and safet(call centers)

34

5

Degree of impact
Seriousness + scale (number of people)

Occupational
health and safety

6789

MARUI GROUP’s Initiatives for Addressing Material Human Rights Issues

Update: October 2023

Targets
Key Human Rights Issues

Future directions and goals
CustomerMarui Group Code of Conduct

Respect for the dignity of
the individual

Marui Group Human Rights Policy
Customer Engagement Policy

Targets

Details of initiatives (countermeasures)

PolicySuppliers

Business
partners/Tenants

Employee

CustomerLGBT training (employees: 4,730, tenants: 281)

Aiming for all employees to take LGBT training and universal manners

Universal Manner Test (employees: 5,129, tenants: 519)

certification tests, and expanding the number of tenants taking these

Promote e-learning courses on diversity, etc.
(Number of participants in the Unconscious Bias Program: 3,168 employees)(Cumulative number of courses taken to FY2022)
Transfer between group companies (change of job type)courses.

Suppliers

Business
partners/Tenants

Employee

Conducting training on human rights(rate of transfer between group companies: 85%)
Implementation of e-learning on human rights
Conducted CSR procurement

Enhancement of detailed response in each business unit after stress check(on-site surveys and questionnaires) (all 37 plants)Promote literacy through self-care and line care training

Measures to prevent infection by the new coronavirus(thoroughImproving support for childbirth, childcare, and nursing careprevention of droplet infection, decentralization of call centers, etc.)

Promoting telework as a new way of working that takes advantage of diversity

Promotion of wellness management
https://www.0101maruigroup.co.jp/en/sustainability/theme02/health.html

Continued implementation of CSR procurement for existing suppliers andconsideration of expansion of target suppliers

Stress check (conducted once a year)
Implementation of self-care training (once a year)
Marui Group Code of Conduct

Respect for workers' rights

Marui Group Human Rights Policy
Marui Group Health and Safety Policy
Marui Group Procurement Policy

Conducting line care training (once a year)
Promotion of e-learning courses on mental health care
Developing a consultation system in cooperation with external organizations
Implementation of internal controls at each business site (once a year)
Promotion of childcare leisure acquisition(Childcare leisure acquisition rate Female: 100% Male: 100%)
Promotion of telework (telework rate: 38%)
Implementation of Monthlong Workplace Environment Improvement Campaign(harassment training, etc.) (twice a year)
Promotion of e-learning on harassment and working environment, etc.
Conduct training for evaluators for hiring and promotion.
Implementation of labor management based on telework work regulations
and payment of telecommuting allowance

Respect for the rights ofvulnerable groups andfuture generations
involved in businessRespect for the rights ofvulnerable groups andfuture generations

Marui Group Code of Conduct
Marui Group Human Rights Policy

Provision of services for fresh investment for young people

Expanding Financial Services for All(customers opening tsumiki securities accounts: 110,000)

Expansion of services offered by tsumiki securities

Provision of financial services to foreign residents(FY2030: more than 1 million)(GTN Epos card members: 96,000)

Provide financial services to foreign residents (FY2030: more than 500,000)

Co-creation of credit with customers through unique credit expertise

Promote the switch to renewable energy(Bad debt ratio: 1.7%)(join RE100)(100% renewable energy by 2030)

Promote the appointment of female managers

Increase in the ratio of female management positions (FY2025: 20% or more)(Ratio of female managers: 18% *as of April 1st, 2023)

Establishment of a new index (Women's Vitality Index) for women's activities
https://www.0101maruigroup.co.jp/en/sustainability/theme02/org_02.html

Efforts to realize a sustainable society and global environment for
future generations (GHG discharge: 291,245t)
Employment of people with disabilities(employment rate of people with disabilities: 2.82%)
Flexible handling of payment consultations, etc. at Corona Risks(e.g., implementation of registration considerations with externalcredit information agencies)
Group Code of Conduct
Marui Group Human Rights Policy

SecurityPrivacy protection

Group Privacy PolicyGroup Information Security PolicyGroup Social Media Policy
Customer Engagement Policy

Information Security Awareness MonthContinuously enhance system security by assessing risks and(personal information training, etc.) (twice a year)

formulating countermeasures for systems used within the company,

Implementation of internal controls at each business site (once a year)

including cloud services.

Implementation of targeted attack e-mail response training (twice a year)

Ongoing implementation of employee training, etc.

Implementation of system vulnerability assessment by an externalorganization
Acquisition of ISO27001

CommonEstablishment of procedures for handling complaints, including the establishment of a consultation service(Marui Group Hotline, etc.)

Ongoing confirmation and reporting that appropriate operations are being carried out* Figures are as of the end of FY2022. * Human rights risks that have a high possibility of occurring and have a significant impact are marked with an asterisk.