T&D Insurance Group Basic Policy Related to Customer-oriented Business Operations

The T&D Insurance Group takes “customer-oriented” as a shared Group-wide value and has established the “T&D Insurance Group Basic Policy Related to Customer-oriented Business Operations” in order to conduct fair and adequate business activities with integrity and sincerity that lead to profits for our customers.

In addition, we are working on fostering a corporate culture which respects the intent and spirit of this policy.

We provides optimal and high-quality products and services tailored to customers' situations and needs.

1. （1）
   We make proposals of suitable “customer-oriented” products taking into account customers’ situations and intentions.
2. （2）
   When selling the products, we work on more understandable information provision to ensure that our customers can correctly understand the important information pertaining to the products.

In order to build enduring relationships of trust with our customers, we work on improving the quality of business operations, including readiness for after-sales services and development of the administration and systems.

In order to ensure that the interests of our customers are not unjustly prejudiced, we have formulated and announced a policy for appropriately managing transactions which could constitute conflicts of interest, and we are appropriately ascertaining and managing transactions which could constitute conflicts of interest.

1. （1）
   We thoroughly instill “customer-oriented” attitudes in our corporate officers and employees, and in order to build enduring relationships of trust with our customers, we develop human resources who have high ethics and are also equipped with specialized knowledge.
2. （2）
   We are working to build a framework which encourages actions based on this policy.

In order to promote “customer-oriented” corporate activities based on this policy, the group companies operating the financial businesses separately formulate policies pertaining to the initiatives of their own company, regularly report the status of their initiatives based on the policies to the Board of Directors and other bodies, and announce the content of the reports. In addition, we regularly carry out confirmations of whether revisions of this policy or the policies of each company are necessary.

The policies on implementing initiatives and specific content of the initiatives of the group companies can be seen at the Company's website.(Japanese)