The Bank is committed to expanding and enhancing its service channels, which include branch offices, Internet banking, call center and Japan Post Bank partnership ATMs, in order to deliver products and services to help its customers develop their assets. The bank remains committed to offering differentiated and highquality financial products and services to customers by leveraging their core competencies and maintaining sound risk taking based on disciplined risk management and best practices. They firmly believe that these collective actions will serve to further enhance their corporate value.