Basic Stance on Information Disclosure

SMBC Consumer Finance's basic stance is to disclose corporate information quickly and fairly. With regards to information required for disclosure by regulations such as the Securities and Exchange Law, as well as information deemed as important for our shareholders and investors, we make disclosures in a timely and appropriate manner. These disclosures are conducted through press releases. We will endeavor to provide equal access to important information to all our stakeholders.

Disclaimer

Information disclosed by our company may include forward-looking information such as forecasts of business performance. With the exception of historical facts, such forecasts are based on currently available information and consequently are subject to potential risks and uncertainties. Therefore, actual performance may materially differ from our forecasts due to various factors that arise subsequent to disclosure. We disclose information to encourage deeper understanding of our company, and not to solicit investments. We request that investors independently make their own investment decisions.