Society Ricoh Leasing Group Code of Conduct

The Ricoh Leasing Group's management philosophy is to "serve as a bridge to a prosperous future with unique finance and services." By providing high-value-added finance and services that are unique to the Ricoh Leasing Group, the Group aims to create a more affluent and convenient world while solving social issues through its business.The Ricoh Lease Group Code of Conduct has been established to enable all directors and employees to act based on common values in realizing our management philosophy.The executives and employees of the Ricoh Lease Group understand and comply with laws and regulations, have a high corporate ethics and responsibility in accordance with social norms, and are proactively promoting behaviors that will bridge the prosperous future based on the common values expressed in the basic stance.

The top management of the Ricoh Lease Group recognizes that the realization of this Code is its own role in achieving both sustainable economic growth and the resolution of social issues, as well as the contribution to society and customers, as well as the realization of employee happiness. In order to build and operate an effective governance system, the top management of the Ricoh Lease Group will ensure that the Code is thoroughly disseminated to all Group companies.We will also present the Code to our business partners and seek their understanding.In the event of a violation of the Code and the loss of trust from society, top management will take the initiative in investigating the causes, resolving problems, preventing recurrence, and fulfilling its responsibilities.

Top management,

1. Always speak and behave in a strict self-control manner
2. Establish and operate an effective governance system
3. Creating a culture and climate in which important information is promptly reported
4. We will provide ongoing educational opportunities to ensure thorough understanding of the Code.
5. Respond to violations of standards and scandals by themselves

The Ricoh Leasing Group companies, together with Group companies and business partners, will develop and provide financial services that exceed expectations. Through these efforts, we will strive to resolve issues faced by individual customers and by society as a whole, thereby contributing to the realization of a sustainable society and a prosperous future.

We,

1. Understand customer problems and needs, and work to solve real issues
2. Develop and provide services from the customer's perspective
3. Continuous improvement of service quality
4. Solving social issues through business
5. We seek understanding from business partners and work together while checking the situation.

Recognizing that all business activities may have an impact on human rights, Ricoh Lease Group companies respect the content of the International Code of Human Rights and behavior with business partners in consideration of diversity without discrimination or prejudice.In addition, we will continue to establish and operate an appropriate and effective system, including the establishment of a contact point for reporting concerns about human rights, and receiving consultations and complaints.

We,

1. Recognizing, Accepting and Utilizing the Diversity of Human Resources
2. Do not tolerate harassment
3. We seek understanding from business partners and work together while checking the status of implementation.

The Ricoh Leasing Group companies recognize the importance of natural capital through the implementation of a decarbonized society, the resolution of environmental risk issues aimed at creating a recycling-oriented society, and the conservation of nature and biodiversity, and implement "actions that are closely linked to the earth" together with business partners in order to resolve climate change.

We,

1. Contribute to the realization of a decarbonized society
2. Creating a Recycling-based Society
3. Reducing environmental risks
4. Efforts to Consider Biodiversity Conservation
5. We seek understanding from business partners and work together while checking the status of implementation.

Each Ricoh Lease Group company will contribute to the development of a sustainable society as a good corporate citizen by tackling social issues through business activities and social contribution activities.We also encourage and support voluntary social contribution activities by executives and employees.

We,

1. Understand the characteristics of local communities and conduct business activities that place importance on relationships
2. Creating a Corporate Culture Trusted by Local Communities

Each of the Ricoh Lease Group companies aims to realize both "corporate development" and "personal happiness" by providing support to all employees in the Group so that they can demonstrate their greatest performance, thereby creating a workplace where everyone can work comfortably, rewarding, and enjoyable.

We,

1. Creating a Safe, Health and Comfortable Working Environment
2. Create a better work environment by mutually respecting and communicating with each other
3. Realizing Work-Life Management in an Autonomous and Flexible Work Style

1．Maintain free competitive relationships and conduct business in good faith

To ensure that our customers and business partners can trade with peace of mind, we will comply with the Anti-Monopoly Law and Other Expenses competition laws and regulations applicable to each country and region, and will conduct our business activities in good faith under the Fair Trade Other Expenses in which free competition is maintained.

We,

1. Comply with the Antimonopoly Act, Subcontracting Act, and Other Expenses competition law-related laws and regulations.
2. Conduct fair and impartial business activities in compliance with the Antimonopoly Law
3. We will comply with the Subcontracting Law and conduct appropriate transactions.
4. Appropriate explanations, display, solicitation, and advertising will be provided for the transaction.
5. Perform the correct contract procedure when executing the transaction

2．We will maintain sound and fair relationships with the national government, local governments and customers, and will conduct business appropriately.

Each company of the Ricoh Lease Group will always strive for sound and fair responses to the establishment of relationships, negotiations, and transactions with the national and local governments, customers, business partners, and other entities, and will not provide or receive entertainment or gifts that deviate from the common sense of society and illegal acts such as bribery.

We,

1. Maintain appropriate relationships with the national and local governments
2. We will conduct appropriate transactions with the national and local governments.
3. We will not give or receive entertainment or gifts that deviate from the common sense and rules of society.
4. No inappropriate payment

3．Have no relationship with antisocial forces

The Ricoh Lease Group companies will block relationships with anti-social forces and will not engage in any transactions or provide profits with anti-social forces.

We,

1. We will firmly maintain our control over anti-social forces.
2. We will not respond to unfair demands by anti-social forces.
3. Shut off relations with anti-social forces

4．Work to prevent money laundering and terrorist financing

In order to prevent money laundering and terrorist financing (hereinafter referred to as "money laundering and terrorist financing"), the Ricoh Lease Group companies will develop an internal control system to prevent money laundering and terrorist financing.

We,

1. We will comply with laws and regulations related to the prevention of moneron and terrorist financing.
2. We will endeavor to prevent the transfer of criminal proceeds.
3. If a "suspicious transaction" is detected, we will immediately report it.

5．We will properly and appropriately manage the intangible assets of Other Expenses.

Ricoh Lease Group companies manage and operate intangible assets such as corporate secrets, intellectual property, personal data such as customers and employees, and Other Expenses intangible assets in an appropriate and appropriate manner.

We,

1. Acquire appropriate and appropriate information
2. We will manage information assets appropriately and appropriately.
3. Protect information assets from external threats
4. Protections and manages the company's intellectual property and does not infringe the intellectual property of others

6．We will communicate with stakeholders in a timely and appropriate manner.

Ricoh Leasing Group companies fulfill their responsibilities as corporate citizens and ensure the transparency of management by disclosing information and communicating information to a wide range of stakeholders, including shareholders and investors, and by communicating with them in a timely and appropriate manner.

We,

1. Proactively disclose information and disseminate information accurately, fairly, and promptly
2. We will strive for two-way communication with shareholders, investors, and other stakeholders.
3. Do not engage in insider trading

7．Don't do personal acts that conflict with the company's interests.

Each company of the Ricoh Lease Group shall not allow the personal conduct of its officers and employees to be detrimental to or threatened by the Ricoh Lease Group's corporate activities.

We,

1. Avoid situations where personal and company interests are conflicting
2. Obtain prior permission from the Company to engage in additional business or outside business

8．Properly manage and use assets held by the company

Ricoh Lease Group companies select environmentally friendly products and strictly implement rules to manage and use tangible and intangible assets owned by the company.

We,

1. Properly manage assets held by the company
2. Properly use corporate assets