< Basic Policies >

The Company practices the Sumitomo Mitsui Trust Group Code of Conduct (Values) with investor standards in mind and in strict compliance with applicable laws and regulations. We recommend financial products and services based on these Sales Policies, allowing our customers to make the most appropriate decisions.

< Recommending Financial Products and Services that Meet Client Needs >

The Company recommends financial products and services appropriate for the client according to the client's knowledge, experience, financial circumstances, financial objectives, etc.

< Explaining financial products and services in plain terms >

The Company provides clients with appropriate, clear explanations of products and services, making sure the client understand not only the details and benefits of the financial products and services we offer, but also the risks and fees involved.

< Appropriate explanations and sales activities >

The Company shall not provide explanations or engage in sales activities that encourage client's misunderstandings through false information or intentional misstatements.

< Sales activities that match client convenience >

The Company shall endeavor to call or meet with clients at a time, place, and in a manner most convenient to the client.

< Internal Systems >

The Company shall endeavor to put in place internal systems allowing the Company to offer appropriate products and services to our clients. The Company will also endeavor to present explanations based on correct understandings and in plain terms.