(p.3. Customer) "SMBC's Credit Policy prohibits granting credit to certain businesses and customers which include entities with problems from the perspective of public order and morals. Also, SMBC prohibits origination of loan for certain types of business where human rights abuses such as child labor is, or may be, taking place, or is likely to take place.

Furthermore, SMBC London Branch takes appropriate steps to identify, evaluate, and mitigate the risk that its products and services may be used by a customer for the commission of Slavery and Human Trafficking.

This comprises a series of checks on its customers, including but not limited to, an analysis of activity carried out and a detailed review of publicly available information, in order to identify instances that may give cause for concern in relation to Slavery and Human Trafficking.

As part of the on-boarding and periodic customer due diligence processes, all customers are assessed to determine if they fall within the scoep of the Act, and, if so, a copy of their Anti-Slavery Statement is sought and retained. Furthermore, in relation to trade finance, all transactions are subject to checks to ascertain that the goods and country of origin are not prohibited under its Anti-Slavery policy and procedures."