November 30, 2022
Sumitomo Mitsui Banking Corporation
Sustainability Linked Loan for AEON Credit Service (Asia) Company Limited

Sumitomo Mitsui Banking Corporation (President and CEO: Makoto Takashima) Hong Kong Branch hassigned an agreement of sustainability linked loan ("This Loan") with AEON Credit Service (Asia)
Company Limited ("AEON Credit", Managing Director: Tomoharu Fukayama), a consolidated subsidiaryof AEON Financial Service Company Limited (President and CEO: Kenji Fujita).
The objective of sustainability linked loan (“SLL”) is to promote and support environmentally andsocially beneficial economic activities by linking corporate loan terms with a client’s performance against
mutually-agreed, sustainability performance targets (“SPTs”) consistent with a client’s sustainabilitystrategy. The objective of the SLL is to incentivize clients to improve their sustainability performance.
AEON Financial Services Group is approaching net-zero CO2 emissions through their activities ofenergy conservation and energy generation. In addition, they are engaging in financial education forstudents in line with international goals, such as the Sustainable Development Goals (SDGs).
In line with AEON Credit's sustainability strategy, the SPTs of This Loan adopted environmental, social,and governance (ESG) indicators such as to reduce electricity power and copy paper usage and to offer
scholarship beneficiaries towards students. This Loan is the first sustainability instrument used by AEON
Credit and reinforces its commitment to sustainability. In addition, as an incentive to achieve the SPTs,
the interest rates will be adjusted depending on the extent SPTs are achieved.
Aeon Credit received a second party opinion for This Loan from Hong Kong Quality Assurance Agency(*) for its alignment with the Sustainability Linked Loan Principles (revised in March 2022) published by
Loan Market Association (LMA), Loan Syndications and Trading Association (LSTA) and Asia Pacific
Loan Market Association (APLMA).
On July 27, 2021, SMBC Group published "SMBC Group GREEN Innovator" and aims at enhancing ourservices and products to realize a sustainable society together with our clients. In addition, Sumitomo
Mitsui Banking Corporation will further contribute to achieving sustainable society by providing
solutions and engaging in dialogue for our clients’ sustainable management.

[Outline of This Loan]
The borrower
The Purpose of financing
The drawdown date
Contract period
The lender:::::AEON Credit Service (Asia) Company Limited
General working capital requirements
November 30, 2022
3 years
Sumitomo Mitsui Banking Corporation(incorporated in Japan with limited liability) Hong Kong Branch1(*) Hong Kong Quality Assurance Agency (HKQAA)
A certification organization established by the Hong Kong government. Sumitomo Mitsui Banking
Corporation entered into a Memorandum of Understanding (MoU) with HKQAA in March 2021 andhas been partnering with HKQAA to promote sustainable finance.

(Reference)
AEON Credit Service (Asia) Company Limited website
https://www.aeon.com.hk/en/index.html[Contact Information]
Sustainable Solutions Department
TEL: +81-3-4333-2703
This announcement is not intended as a recommendation to invest or solicit.

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