Investor Presentaiton

Increase Retail client assets 1. Organizational and HR strategy Living longer Worried about the future Closer to our clients Succession of shares in own company Lack of successors Shrinking domestic market Business expansion NOMURA Inheritance and gift taxes Branch office employees attuned to concerns and changing needs of clients Further grow our business by allowing branch managers to make more decisions on their own Total support including executives to deliver best possible value added products and services to our clients Reassign executives along client segments Place stronger emphasis on improvements in client satisfaction as part of employee performance management Add net cash inflow as item to evaluate business expansion

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