KEY POINTS
 apan’s first issuance of digital bonds
Jusing blockchain technology
Options offered to all EPOS cardholders
 ggregate of 9,812 applicants for easilyA
accessible bonds that can be purchasedwith as little as ¥10,000
 otal of ¥1.5 billion worth of financing
T
distributed to 33,000 peopleImprovement to the lives of financing
recipients and the building of assets forinvestors

Overseas Co-Creation of Creditability
MARUI GROUP’s decision to begin
issuing social bonds was inspired byour desire to use our assets to provide
financial services to people living overseas and to involve EPOS cardholders inthese efforts.
At MARUI GROUP, we have continued
to promote the co-creation of creditability
in Japan by helping customers in building
their financial credit. This led us to thedesire to engage in the co-creation of
creditability with low- and middle-income
individuals in countries outside of Japan.

However, we did not have any experiencein providing financial services overseas,
and many inside the Company expressed
concern for how challenging such anundertaking might be.
We would eventually find our path
toward offering financial services outside of Japan through our partnershipwith Gojo & Company, Inc., and CROWD
CREDIT, Inc., companies that had built a
track record in offering microfinanceservices overseas. Through co-creation
with these partners, we began the saleof digital social bonds in April 2022.
These digital social bonds were madepossible by a May 2020 revision of the
Financial Instruments and Exchange Act
of Japan. This revision allows for abusiness company to utilize blockchain
technology to sell digital bonds directly
to customers without the need to go
through a securities company. MARUIGROUP took advantage of this revision
to issue bonds directly to EPOS cardholders. Moreover, our digital bonds canbe purchased for small sums of money.
This accessible scheme allows any
cardholder with a desire to contributeto society to purchase these bonds.
MARUI GROUP’s digital bonds are thefirst instance in Japan of such bonds
being issued by a company that is nota financial institution.

Funding of Low-Income Individuals
through Social Bonds

FINANCIAL INCLUSION

Differences Between Traditional Corporate Bonds and Digital Bonds
Purchase

Traditional
corporatebonds

Underwriting

Securities
company

Sales

Issuance

Inability to identify purchaser

M I CR OF I NANC E

SOCIAL BONDS
Social bonds are bonds issued with the express purpose of gathering funds for use
in addressing social issues. MARUI GROUP is issuing social bonds, which it sells to
EPOS cardholders to allow them to invest in causes they support. Through a scheme
employing blockchain technology, we are helping EPOS cardholders contribute tosociety while building assets.
32

Purchase directly from MARUI GROUP

Digitalbonds

Blockchain

Ability to augment cash interest payments with EPOS points

MARUI GROUP’s official social bonds
website (in Japanese only)

VOICE

Sunita(member of family of five in her 50s)
Location: Uttar Pradesh, India
Occupation: Milk production and sales

Improvements to Life after Using 
Financing to Start Business
Before receiving financing, I was unable
to purchase cows to milk. Fortunately, I
was able to receive financing, as well as
business advice, which let me purchasecows to get my business off the ground.
I have since been able to use the revenue
generated by this business to renovate
my house and shop and to pay for myfamily’s living needs and my children’s
education. It is my hope that my children
will be able to find good jobs in the
future, so I plan to keep developing mybusiness so that I can provide them withwhat they need to get a good education.

FINANCIAL INCLUSION

Microfinance entails frameworks forproviding small-sum loans and otherfinancial services to individuals who
cannot obtain a bank account. MARUIGROUP’s social bonds constitute a
microfinance approach in that they aresold to EPOS cardholders to procure
funds for use in supporting the financial
independence of people living overseas.
Specifically, the funds collected in thismanner are used to provide financing to
low-income individuals in developing

countries through co-creation partners
Gojo & Company and CROWD CREDIT.
Bond purchasers receive a 1% annual
return on their investment through the
combined total of cash and point
returns. MARUI GROUP has floated threebond issuances to date, with a total
amount of approximately ¥400 million.
An aggregate total of nearly 10,000
EPOS cardholders applied to purchasethese bonds, which equated to ¥6.0
billion in funds.
Through this microfinance scheme,
we have already issued loans totaling¥1.5 billion (including amounts procured
via bonds issued to individual investors
through securities companies) toapproximately 33,000 individuals inemerging countries. These loans havebeen used to purchase saree looms,
cows to milk, and other items necessary
for starting businesses, thereby making
important contributions to improvements in the economic conditions andlives of financing recipients. Meanwhile,
individuals who have purchased oursocial bonds are provided with stories of
how their investments are being used tohelp people, which include messages
from the actual people being helped.
These stories provide a more tangible
understanding of the contributions one
is making to society.

Minami Kogure
Engagement Division
Financial Inclusion Co-Creative Teamtsumiki Co., Ltd.

Desire to Provide Financing to Even
More People
The greatest challenge in this m­ icrofinanceinitiative was finding a way to proceedwith this unprecedented undertaking. We
had to address various concerns andensure feasibility. This meant that we
had to spend a lot of time talking withthe relevant Group companies and with
our lawyers. These conversations werealways filled with technical terms, and, at
first, I had trouble even understanding
the points that were being brought up.
People who have received financing
through the scheme we created havementioned that the financing has put
their dreams within reach. I am so happy
to know that our efforts are actually
making a difference.

Employee reports on financing recipients(in Japanese only)

33

PROMOTION OF
EMBEDDED FINANCE
Transition from Installment Payments to Embedded Financethe so-called super apps, which combine a variety of functions
including payment, money transfers, and e-commerce. MARUIGROUP also provides such an app with its EPOS app, whichallows users to track their EPOS card usage while also offering
QR code payment services and applications for cumulative
investment, insurance, or even renewable energy plans.

Embedded finance is a term that refers to services provided by
non-financial companies that embed elements of financial
services into more traditional services.
Retailing, IT, and other non-financial businesses that are inconsistent contact with consumers are able to gain information
on and trust from customers. This close proximity to customers
creates situations in which customers may desire to purchasean item in the moment but not have the cash on hand to do so.
If a retailer can provide options to pay later for purchases aspart of its services, it is highly likely that a customer will make apurchase in such a situation. This is why we have recently been
seeing a rise in non-financial companies providing embedded
financial services that incorporate apps including payment
systems supplied by banks or fintech companies.
MARUI GROUP sets itself apart from its peers by being acompany that possesses both non-financial retailing functions
as well as fintech functions in the form of the credit and payment services offered by its EPOS cards. We also possessrobust in-house systems development functions, which are asignificant source of strength in that they enable us to swiftlyincorporate financial systems into our services. Another factor
behind the recent popularization of embedded finance has been

Embedded Finance Scheme

It could be said that MARUI GROUP has been providing embedded financial services since its inception. We got our start inselling furniture on installment plans. In other words, we
embedded the financial service of installment payments into
the retailing service of furniture sales.
In the past, installment payments were primarily used fordurable goods like furniture. As the times changed, however, thescope of products for which such services are used expanded
to include apparel and eventually all of the products we consume as part of our daily lives. MARUI GROUP’s business too
has continued to evolve together with the times, while remaining true to its business model of combining finance and retailing. A particularly noteworthy step in this evolution came withthe 2006 launch of the EPOS card, a card affiliated with theinternational brand of Visa Inc. This card can be used for applications other than shopping at Marui and Modi stores, making

it a more central component of customer lifestyles and driving
consistent growth in transaction volumes.
Even if the products we offer change, the underlying assets
used to offer these products remain the same. It is these assetsthat allow MARUI GROUP to take an embedded financeapproach. These assets were used to provide products that are
ideal for installment payments, like furniture and other durable
goods as well as apparel, and are now employed to offer services ranging from dental payment plans, small-sum securities
investments, and rent guarantees. Similarly, the multipurpose
EPOS card can be used anywhere and at any time, not just to
make payments in stores.
MARUI GROUP is passionate about continuing to generateprime examples of embedded finance by utilizing its assets,
namely, systems that incorporate EPOS cards to allow customers
to use their card on any occasion when they might want to makea payment. At the same time, we will seek to generate our desired
impact based on the themes of creating a brighter tomorrow for
future generations and contributing to individual happiness.

Consumers

Non-Financial Company
Provision of services with embedded financial elements

Fintech Company
Investment

Payment

Insurance

Financing

EPOS Cards

Driver License Acquisition Financing PlanThrough affiliation with the international Visa brand, MARUI GROUP isable to offer multipurpose EPOS cards that can be used for a much wider
range of applications than its prior in-house cards, which were limited touse in our stores. EPOS cards are seeing consistent growth in transaction
amounts and are therefore expected to continue to function as a cornerstone of our embedded finance initiatives.

The driver license acquisition financing plan of Epos Card Co., Ltd., is aservice offered through partnership with driving schools that can be used
when one is signing up for courses at such schools. Designed for customers seeking to obtain a license as quickly as possible, we allow
customers to pay their driving school fees, which can be quite high inJapan, at their own pace in as many as 36 installments.

EPOS card application via EPOS Net (in Japanese only)

FINANCIAL INCLUSIONFINANCIAL INCLUSION

Embedded Finance

Evolution from Furniture Installments to
EPOS Cards and Beyond

Driving schools accepting driver license acquisition financing plan offeredthrough EPOS cards (in Japanese only)

MARUI GROUP’s Growing Range of Embedded Financial Services

Installment program for purchasing Apple Inc. products(see pages 38–39)
EPOS Dental Credit (see pages 40–41)
tsumiki cumulative investment services
EPOS Card Insurance
ROOM iD rent guarantee service (see pages 36–37)
Driver license acquisition financing plan offered through EPOS cards
Issuance of EPOS cards

EPOS Card Insurance

tsumiki Co., Ltd.

Through EPOS Card Insurance, we help EPOS cardholders choose theinsurance plans that best match their needs with a wide range of health,illness (cancer), and other insurance plans offered exclusively to cardholders that serve to alleviate everyday concerns. Moreover, when one
pays their premiums with their EPOS card, they are able to accrue EPOS
points, which can also be used to make premium payments.

Established in 2018, tsumiki Co., Ltd., offers Japan’s first cumulative
investment service that allows for payments via credit cards. This service
makes it possible to conduct cumulative investments using one’s EPOS
card and to allocate accrued EPOS points toward steady, gradual asset
building. The service of tsumiki was also the first in the industry to allow
for monthly investments of ¥100,000 under Japan’s new NISA savings
account scheme.

Issuance of Japan’s first credit card
Founding business of selling furniture on installment payments

34

Insurance and other available plans (in Japanese only)

Forward-looking options for asset building (in Japanese only)

35

KEY POINTSRent guarantee services in which Epos
Card acts as a guarantor
 creening offered regardless of age,S
occupation, or income
 ayments to landlords and collection ofP
overdue rent handled by Epos Card

Housing is an essential part of oureveryday lives. However, a 2020 revision
to Japan’s Civil Code imposed harsher
conditions on guarantors. As a result,
there are now cases in which a retired
parent might not be able to become
the guarantor for their own child. This
reality is driving a rapid increase in theuse of rent guarantee services in whicha guarantor company will pay rent onbehalf of an individual should they beunable to make their own rent payments.
Quick to detect this social issue,
MARUI GROUP launched ROOM iD, arent guarantee service offered through
EPOS cards, in 2008. Today, we hold ahigh share of the market for rent guarantee services, with more than 720,000
ROOM iD users.
Epos Card operates by calling on
our unique credit expertise, which hasenabled us to maintain a low ratio ofdelinquent debt of 1.61% and is a clear
point of differentiation from competitors.
This expertise is founded on our corevalue—the co-creation of creditability.
Based on this value, we emphasize
helping customers build their credit
through their use history, rather thanmaking judgments purely based on
preliminary information like their age,occupation, or income. We are therefore
able to provide screenings to students,
who still have low income, and to elderly
individuals.

VOICE

Yurika Konda
Development Section, Development Division,
Home Business Department
Epos Card Co., Ltd.

Customer Service Experience as a

Utilization of AccumulatedExperience and Insight
The genesis of our rent guarantee services can be traced back to a decision
to reorganize a certain subsidiary. Thissubsidiary was primarily a loan company
and the decision, which was made inlight of the impending 2006 revisionof the Money Lending Business Act,
resulted in closing this company’s officeand transferring its operations to Epos
Card. Following this decision, we soughta means of utilizing the experience andinsight the employees of this subsidiary
had accumulated thus far to create a
new business, moved by the strong
desire of these employees not to see
these assets be discarded.
We found our answer in 2007, when an
officer proposed what would later evolve
into our rent guarantee service at aninternal new business contest. This proposal won a lot of praise within the
Company due to its foresight and ability
to capitalize on our strengths. MARUIGROUP thus went on to launch its ROOMiD rent guarantee service in 2008.

The launch of this service revealed
other yet unseen strengths of MARUIGROUP. These were the high levels ofcustomer service and hospitality fostered through our retailing operations.
The listening skills that helped us gain
an understanding of customer needs
and the communication skills thatenabled us to deliver quality gave rise tovarious services and drove their evolution.
Our rent guarantee services are thus
a tool for resolving social issues while
utilizing the assets of our finance andretailing operations. Today, our lineupof rent guarantee services includes the
ROOM iD Global Plan for non-Japanese
residents of Japan as well as plans foroffices and other commercial tenants.
On our quest to create a society in which
everyone is able to rent a place to live,
we are targeting rent guarantee service
transactions of more than ¥1 trillion, amarket share of more than 10%, and theNo. 1 position in the industry, to beachieved by the fiscal year ending March
31, 2026.

Rent Guarantee Service Business ModelA H O M E F OR EVERYONE

RENT GUARANTEESThe ROOM iD rent guarantee service offered by Epos Card Co., Ltd., is a viable option when someone is unable
to find a guarantor when signing a rental contract, which is a significant possibility given that there are evencases when a retired parent might not be able to become the guarantor for their own child. Such rent guarantee services are becoming an important piece of social infrastructure, and we aim to expand the use of ROOM
iD to create a society in which everyone is able to rent a place to live.
36

Epos Card Co., Ltd.
Rent Guarantee Contract

Rental Contract
TenantComments from Real Estate Managers(Landlords)

Epos Card’s unique screening
criteria are impressive.

Epos Card returns screening
results much faster than othercompanies, which is a big help.

Credit Payments for Rent andGuarantee Fees

Guarantee Contract
Advance Payment Contract

Powerful Tool for Sales Activities
My involvement in rent guarantee
services gave me my first experience
with business-to-business operations.
The approach toward sales, as well as
whom we were approaching, was muchdifferent from when I was working instores. Nevertheless, I felt motivatedfrom having my proposals accepted,
especially when it led to a major partnership. The customer service experienceI gained at stores is proving to be a
powerful tool for such sales activities.
I also get satisfaction from hearing that
customers want to use ROOM iD rent
guarantee service again should they
move and from knowing that I am
helping them. It was tough learning
about the real estate industry, somethingthat was completely new to me. Right
now, however, I am working to get realestate broker accreditation so that I canapproach business negotiations fromthe same perspective as our partners.
I am determined to hone my sales skills
to become the best in the industry.

FINANCIAL INCLUSIONFINANCIAL INCLUSION redit expertise maintaining a low ratio ofCdelinquent debt of 1.61%

Parents Unable to Become
Guarantors

Tenants love how ROOM iD lets
them earn points and prevents
them from forgetting rent
payments.

Information on ROOM iD(in Japanese only)
Real Estate Manager (Landlord)

37

KEY POINTS
 apan-first academic-sector individualJfinancing program
 ervice reflecting high residual value of
SApple terminals
 pos Card’s first residual value-deductedE
credit scheme
Combination of retailing andfinance assets
 arget of 100,000 users over the nextTfive years
 ducational support for youngerE
generations

Japan-First Finance Program for
Providing Educational Support
In recent years, we have seen the rapid
embrace of digital technologies by
educational institutions. As a result, it is
now imperative that every student havetheir own terminal. Meanwhile, the rising
prices of such terminals is placing an
increasingly large financial burden on
students and their families. MARUIGROUP offers a financing program thathelps individuals purchase Apple terminals for use in their studies. This is Epos
Card’s first program to utilize a residual

value-deducted credit scheme. Based on
the assumption that the terminal will be
returned after the usage period, thisprogram allows users to obtain Apple
terminals at a price determined bydeducting the projected residual value of
said terminal. This reduced price is paidin installments, resulting in a lower
monthly burden.
Through co-creation with Too
Corporation and AUCNET INC., partners
with experience buying and selling Apple
products, we developed a framework forcomprehensive support for processes
including guarantee of Apple products

Scheme for Limiting Payment Amounts
Amount not paid
due to return of terminal

Amount of
one-time cash
payment

Amount paid
through financing
program

Program users are able to limit their payments by returning their terminal after a predetermined usage period.

FINANCIAL INCLUSION

38This financing program was a product of
MARUI GROUP’s corporate culture of
tackling new challenges based on customer needs.
In crafting this program, we focusedon providing payment options that offer

significant benefits to members ofyounger generations and their families.
In doing so, we abandoned industry
conventions to set appropriate interest
rate levels based on customer needs
while also developing new applicationand screening methods designed tomake this program accessible to as
many individuals as possible. As a result,partners have stated that they are able
to recommend this carefully crafted
program with confidence. Looking
ahead, we have set the target of having
this program used by an aggregate totalof more than 100,000 people over the
next five years.
Over the long term, we hope to maintain lasting relationships with the newcustomers gained through this program
by encouraging them to use EPOS cards
or other services. MARUI GROUP understands that future generations, or in thiscase, younger generations, are an important group of stakeholders. By supporting the passion of members of thesegenerations to learn, we hope to achieveearnings growth while generating ourdesired impact.

Developing Epos Card’s first residual
value-deducted credit scheme was noteasy, nor was forming the frameworks
for implementing this scheme together
with business partners. Nevertheless, I
am glad that we were able to overcome
these challenges to create a program foraddressing social issues in the education field. This process exposed me tosocial needs that I was previously
unaware of and made me think about
just how many social issues might begoing ignored. This newfound outlook
has committed me to identifying theunresolved issues faced by customers
and using MARUI GROUP’s strengths totackle them.

FINANCIAL INCLUSION

It is not uncommon for students and their parents to be troubled by the unexpectedly highcosts of the terminals one needs to purchase for school. To help aid people struggling toafford such items, MARUI GROUP launched an installment program that can be used inpurchasing Apple Inc. products in February 2023 as a Japan-first academic-sector individual
financing program.

Sayoko Umehara
Project F Business Planning Department
Epos Card Co., Ltd.

MARUI GROUP’s Strengths

Program Crafted Based on
Customer Needs

STUDENT SUPPORT

Installment payments

Tackling of Issues with

and distribution of repurchased terminals.
As an added benefit, the process of
Epos Card staff members visiting
schools to explain our program directly toparents helped us build stronger relationships with schools. We have seen apositive response for schools that haveadopted this program, which has
included their mentioning how the program had made it easier to propose waysof acquiring terminals by providing
options that better matched the paymentrelated circumstances of specific households. Users of this program have also
had praise for the program, with somestating how it helped them limit the initialcost of entering a new school through themonthly installment scheme.

I N C LU S I VE E DUCA T ION

VOICEYosuke Suzuki
Apple Business Development Department
Too Corporation

Shared Aspirations and Services
MARUI GROUP’s desire to support thepassion toward education of members ofyounger generations is aligned with ourcommitment to supporting the creativityof all students in the market for education. It was these shared aspirations thatinspired us to embark on this partnership.
Schools are attended by children from awide range of families, and there arethose for whom the price hurdle forpurchasing terminals is quite high.
The program we took part in organizing
lowers the hurdle to obtaining Apple
products by reducing the initial costs
and thus the burden placed on customers. I am confident that this program willcontribute to the resolution of social
issues faced in the education field.

39

KEY POINTS■ Service for users age 18 or above■ Applicable to insurance-approved
treatments■ Fees lower than those for standard credit
card installment payments■ Easy application via smartphone in as
little as 15 minutes■ Nationwide sales network including
MARUI GROUP’s reemployment support
provisions users■ Meticulous sales approach based onretailing experience

Protection of Teeth to Contribute to
Better Overall HealthAround ¥3 trillion is spent on dental
procedures every year in Japan, and alarge portion of this amount is associatedwith straightening, implants, and otherprocedures that are not covered by healthinsurance programs. The high price ofsuch procedures has caused hesitation
among many individuals, even those witha desire to undergo these procedures.
We recognized that the business of
Epos Card is well suited to addressing theneeds of customers with a desire toundergo dental treatments who find thehigh prices prohibitive. This was the startof the EPOS Dental Credit plan. Under thisplan, customers can receive financing of
up to ¥2 million for all of their dental

procedures (except whitening), regardless of insurance program coverage.
Installment payment fees in this program
are only 5.8%, less than the fees forstandard credit card installment payment.
Moreover, we offer easy application via
smartphone, with the process fromapplication to receipt of screening results
being completed in as little as 15 minutes. This makes the EPOS Dental Credit
plan especially appealing as customers
can start using the plan on the day they
have their dental examination.
The number of dental clinics acrossJapan is around 70,000, which is greaterthan the number of convenience stores.
Over the less than two years since thelaunch of the EPOS Dental Credit plan,
the number of clinics at which thisservice is accepted has risen above

Breakdown of Desired Payment
Schemes for Dental Procedures
Cash 7%

One-time credit

Installments

60%

card payment(dependent onamount)25%

Installments

8%

1,400, and transactions through this plan
climbed to ¥750 million in the six-month
period ended September 30, 2023.

Rapid Growth Driven by Users ofReemployment Support Provisions

FINANCIAL INCLUSION

NE W PAYM E NT OPT ION

DENTAL SUPPORTOne in three people have a desire to pay for dental procedures in installments. Seeking
to provide such a payment option, we launched the EPOS Dental Credit plan in thesummer of 2021. This plan makes it easier for people to undergo straightening,
implants, and other expensive dental procedures.
40

VOICE

Yukio Inamoto
Credit Sales Section, Fintech Sales Division
Fintech Business Department
Epos Card Co., Ltd.

Appeal of Ability to Gain Helpful Advice through TeamworkI joined MARUI GROUP in 1983, and I
have primarily been involved in retailingover the years. During the course of mywork, I have internalized our commitment to results and our culture ofhealthy teamwork. These traits havemade it possible for our team to sharethe ideas born out of various failures,without being preoccupied with distinctions like whether someone is full time orusing MARUI GROUP’s reemployment
support provisions. This teamwork iswhat has enabled us to get the EPOS
Dental Credit plan accepted by 1,400
dental clinics. Everyone at MARUIGROUP has their own background andinsight, and the ability to learn about new
perspectives, make new discoveries, andgain new helpful advice through one’s
day-to-day work is a major appeal of theCompany. In the future, I hope to continue to offer advice and aid based on
my experience to those around me while
also taking action myself.

FINANCIAL INCLUSION

The rapid growth of the EPOS Dental
Credit plan has been driven by theefforts of highly energized users of
MARUI GROUP’s reemployment support
provisions. In fact, this program wasbased on an idea born out of the process of seeking ways to utilize the credit
and systems development insightgained through the operation of Epos
Card’s driver license acquisition financing plan, a service that has earned theNo. 1 share of its market and represents
our first embedded finance initiative.
Today, our nationwide sales network for
the EPOS Dental Credit plan is supported
by 18 users of MARUI GROUP’s reemployment support provisions and theinsight and communication skills they
honed through retailing.
Including MARUI GROUP’s reemployment support provisions users, the sales

team consists of a total of 50 diverse
members. All of these individuals had no
prior experience in the medical field, andthis fresh perspective allowed them toshare examples and ideas and takeaction without concern for differences inseniority. The ability to share their experience of taking part in such trial-and-error
processes with younger employees is
one source of motivation for users of
MARUI GROUP’s reemployment support
provisions.
In August 2023, some of these reemployment support provisions users wererecognized in the Breakthrough Award
program, an internal award program forhonoring people and initiatives that havecontributed to improved corporate value
for MARUI GROUP.
Moreover, dentists have praised thesales approach of such individuals,
which was shaped by their experience ofcatering to customer needs at retailstores. Examples of their meticulous
sales approach have included thorough,face-to-face explanations to dentists
and assistance in formulating methodsof proposing the EPOS Dental Credit
plan to customers through means suchas the preparation of displays andproposal tools. This approach has
proved to be a powerful asset in thisbusiness-to-business-to-consumer
endeavor.
To ensure that customers can use theEPOS Dental Credit plan at as many
dental clinics as possible and to help
support people’s health, we have set thegoal of making the plan usable at 5,000
clinics and to generate transactions of¥10.0 billion through the plan in thefiscal year ending March 31, 2026.

Comments from Dentists Accepting
the EPOS Dental Credit Plan
I am able to suggest the EPOS
Dental Credit plan to patients withease knowing that Epos Card willoffer meticulous support.
Sales representatives come totalk in person, which gives me
peace of mind and makes it
easier to ask questions.
My patients have mentioned how
the option to pay for expensive
straightening procedures ininstallments helped them makethe decision to start treatment.

Reemployment support provisions users
who are members of the EPOS Dental
Credit plan sales teamInformation on the EPOS Dental
Credit plan (in Japanese only)

41