Policy on Social and Environmental Considerations in Investment primarily in Loans

Ricoh Leasing Co., Ltd. and its group companies (hereinafter referred to as "our group") aim to contribute to solving social and environmental problems through their businesses and to play an active role in building a sustainable society based on our group's "Approach to Sustainability."
We prohibit or restrict primarily in Loans investments in businesses and companies that have a significant social impact.
With regard to the environment in particular, we will contribute to the creation of a sustainable society by sharing awareness of environmental issues through engagement with our business partners, taking into consideration the acquisition of international certification and local certification for sectors where there are concerns about climate change and biodiversity impacts due to illegal logging of tropical rainforests and the development of peatlands related to the procurement of raw materials from forests.

Companies are expected to contribute to the sustainable development of society by various stakeholders.In response to the impact of corporate decisions and business activities on society and the environment, we will implement corporate activities that fulfill our responsibilities in relation to society, which is the foundation of our business activities, and contribute to the resolution and sustainable development of issues surrounding society.
In response to environmental issues, including climate change, we will make full use of our expertise in leasing, installment and Other Expenses financial services. While expanding positive impacts on the environment, we will strive to avoid or reduce negative impacts.
While we believe that it is our social responsibility to invest in companies that are responding appropriately to social and environmental issues, we recognize that dealing with businesses or companies that do not address these issues and do business with them is a risk.

We believe that the following businesses involve significant risks or negative impacts on society and the environment.
We will not invest in or primarily in Loans these businesses if we are aware of any significant social or environmental risks or negative impacts.

• Those deemed to be contrary to public order and morality
• Items against antisocial forces
• The use of funds is caused by speculative speculation.
• Transactions with companies that manufacture cluster munitions and credit transactions with enterprises that engage in substantial manufacturing, such as lending of cluster munitions to manufacturers
• Poverty, hunger, and other unfair factors
• Products directly related to these products

1. Coal thermal power
   In principle, we do not take any action directly linked to coal-fired power generation.
2. Manufacture of weapons
   When manufacturing non-humanitarian weapons such as nuclear weapons, chemical weapons, and biological weapons, and anti-personnel landmines are used as funds, primarily in Loans of such weapons will be avoided.
3. Forest
   The rapid destruction of forests in the world is causing a variety of problems, including a decrease in biodiversity, a decrease in the stability of ecosystems, and a decrease in the fixed function of carbon dioxide.Our group will take cautious measures against the production of wood and the manufacturing industry that uses it as a raw material, by taking into consideration the status of acquisition of the international forest certification system^*1 and the existence of problems with indigenous people and local communities.
4. Palm oil
   Palm oil is refined from Aburayashi, and plantation cultivated.Demand for palm oil is rising sharply due to increased convenience and health food preferences, while it is also causing rainforests and biodiversity decline due to overexploitation.For the production of palm oil and the manufacturing industries that use palm oil as raw materials, we will take cautious measures, such as ^※2 of sustainable international/local authentication of palm oil and the existence or non-existence of problems with indigenous people and local communities.

• ※1
  FM certification (Forest Management Certification) for management and management of forests by Forest Stewardship Council (Forest Management Council), and CoC certification (Chain of Custody Certification) for management of processing and distribution of certified forest products
• ※2
  NDPE(No Deforestation, No Peat, No Exploitation: Zero Forest Development, Zero Peat Development, Zero Exploitation) and High Carbon Storage (HCSs; High Carbon Stock) RSPO(Roundtable on Sustainable Palm Oil for Protecting Forests: Roundtable for Sustainable Palm Oil

Our group monitors the appropriateness of the above policies and the status of project responses at the Sustainability Committee, the Management Committee, or Director Committee, and reviews the operation as needed.

Our executives and employees of the Group continue to provide educational opportunities to deepen their understanding of social and environmental issues, and are thoroughly informed that they comply with relevant regulations and procedures.

Our group continuously engages in dialogue and collaboration with various stakeholders.We believe that these dialogues and collaborations will be useful in reviewing the policies and the business activities of our group based on these policies to make them more effective in accordance with the changes in society.