As a member of the group whose parent company is Quants Research Institute Holdings, Inc. ("HD"), Souken Leasing Inc. (the "Company") places the "customer-first" philosophy advocated by the HD Group at the core of its guiding principles and works to create value through its leasing business.

Using leasing as a financial method, the Company’s business purpose is to provide companies that use assets with flexible and efficient means of financing, while offering investors stable investment opportunities backed by tangible assets.

Going forward, focusing on leasing transactions involving high-value, highly specialized assets such as vessels and aircraft, the Company aims to deliver sustained value by building schemes that accurately capture the needs of both user companies and investors.

The Company believes that conducting sincere business operations that always take the customer’s perspective leads to building long-term relationships of trust and to enhancing corporate value. Based on this belief, the Company has established the following Policy on Customer-Oriented Business Conduct, and will continuously verify and evaluate its implementation and revise it as necessary.

1. Pursuit of Customers’ Best Interests

With a high level of expertise and ethics, the Company’s officers and employees always pursue customers’ best interests and are committed to sincere and fair business operations. The Company conducts ongoing training and awareness activities so that customer-oriented conduct takes root as part of its corporate culture.

2. Appropriate Management and Disclosure of Conflicts of Interest

To avoid unduly harming customers’ interests, the Company accurately identifies potential conflicts of interest and establishes a framework to appropriately manage or avoid them. Where a conflict of interest arises, the Company provides a sufficient explanation in advance of its nature and its impact on the customer.

3. Clarification of Costs Borne by Customers

The Company clearly explains, in a manner that is easy for customers to understand, the fees and costs that customers bear and the services provided in return.

4. Easy-to-Understand Provision of Important Information

From the perspective of correcting information asymmetry, the Company sincerely provides easy-to-understand information on important matters such as the risks and returns of financial products and services, contract terms, and the structuring framework.

5. Provision of Products and Services That Match Customers’ Needs

After appropriately understanding each customer’s financial situation, transaction experience, knowledge, and objectives, the Company structures and proposes products and services that genuinely match the customer’s needs.

6. Appropriate Framework to Promote Customer-Oriented Conduct

The Company establishes a governance framework—including its personnel evaluation system, training framework, and internal control system—to ensure thorough customer-oriented business operations.