As of February 29, 2020

Category		Lender	Balance (million yen)	Interest rate	Borrowing date	Repayment date	Remarks
Short- term	Floating rate	Mizuho Bank	1,100	Base interest rate +0.0700％	Oct. 9, 2019	Oct. 9, 2020	Unsecured and non-guaranteed
		MUFG Bank	200
		Shinkin Central Bank	750
Subtotal			2,050	-	-	-	-
Long- term	Fixed rate	Mizuho Bank	720	0.3263%	Sep. 14, 2017	Sep. 14, 2021	Unsecured and non-guaranteed
		Development Bank of Japan	1,491
		MUFG Bank	430	0.3575%		Sep. 14, 2022
		Sumitomo Mitsui Banking Corporation	2,050
		MUFG Bank	1,760	0.3913%		Sep. 14, 2023
		Mizuho Bank	1,330
		The Bank of Fukuoka	450
		The Bank of Fukuoka	900	0.4288%		Sep. 14, 2024
		MUFG Bank	620	0.4675%		Sep. 14, 2025
		MUFG Bank	710	0.5075%		Sep. 14, 2026
		MUFG Bank	2,680	0.5500%		Sep. 14, 2027
		Sumitomo Mitsui Banking Corporation	880
		Mizuho Bank	880
		Sumitomo Mitsui Banking Corporation	830	0.2400%	Sep. 14, 2018	Sep. 14, 2022
		The Norinchukin Bank	800	0.3950%		Sep. 14, 2025
		Shinsei Bank	500	0.4538%		Sep. 14, 2026
		Mizuho Bank	830	0.5750%		Sep. 14, 2028
		The Bank of Fukuoka	807
		Shinkin Central Bank	1,256
		Sumitomo Mitsui Banking Corporation	3,000	0.2500%	Sep. 2, 2019	Sep. 2, 2023
		MUFG Bank	4,000	0.4900％	Sep. 30, 2019	Sep. 30, 2029
		The Norinchukin Bank	1,250	0.1800%	Oct. 9, 2019	Oct. 9, 2024
		The Shinkumi Federation Bank	1,250
		MUFG Bank	200	0.2160%		Oct. 9, 2025
		Mizuho Bank	2,400	0.2600%		Oct. 9, 2026
		The 77 Bank	400
		Shinsei Bank	1,250	0.2400%		Oct. 9, 2027
		The Bank of Fukuoka	750	0.4200%		Oct. 10, 2028
Subtotal			34,424	-	-	-	-
Total			36,474	-	-	-	-

MEL has not issued investment corporation bonds.