This episode covers the expansion of the Nonghyup(National Agricultural Cooperative Federation) into various financial servicesfrom the late 1990s through 2010. It highlights key initiatives, including thelaunch of internet banking, the establishment of NH Investment & Securitiesthrough the acquisition of Sejong Securities, and the creation of NHAgricapital. Also covers the development of Nonghyup's credit card business andthe expansion of its insurance offerings, particularly agricultural cropinsurance. Finally, it emphasizes the strengthening of Nonghyup's financialstability and international presence during this period.