Reputational damage risk from serious legal violations and individual misconduct

「During the interim consolidated accounting period, there were no new major risks or significant changes to the business risks described in the annual securities report that management recognized as potentially having a material effect on the financial position, operating results, or cash flows of the consolidated companies, among the matters concerning business conditions and financial matters described in this Semiannual Report.」

「During the cumulative second quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that management recognizes could materially affect the financial position, operating results and cash flows of the consolidated companies, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」

「During the first nine months of the current consolidated fiscal year, there were no new occurrences of major risks that management recognizes as potentially having a material impact on the financial condition, operating results or cash flows of the consolidated companies, and no significant changes to the "Business and Other Risks" described in the annual securities report for the previous fiscal year.」

「There were no new occurrences of the major risks that management recognizes as potentially having a material impact on the consolidated companies' financial position, operating results or cash flows, and no material changes to the risks described under "Business and Other Risks" in the annual securities report for the previous fiscal year, among the matters concerning the business and accounting conditions described in this quarterly report during the cumulative second quarter.」

「During the cumulative second quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that management recognizes could materially affect the financial position, operating results and cash flows of the consolidated companies, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」

「During the three-month period ended 30 June, there were no new risks that management recognizes as having the potential to materially affect the financial position, operating results or cash flows of the consolidated companies, and no material changes to the business risks described in the annual securities report for the previous fiscal year.」

「During the first nine months of the current consolidated fiscal year, there were no new occurrences of major risks that management recognizes as potentially having a material impact on the financial condition, operating results or cash flows of the consolidated companies, and no significant changes to the "Business and Other Risks" described in the annual securities report for the previous fiscal year.」

「During the cumulative second quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that management recognizes could materially affect the financial position, operating results and cash flows of the consolidated companies, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」

「During the first quarter of the current consolidated cumulative period, there were no significant changes in the occurrence of major risks that management recognizes as potentially having a material impact on the consolidated companies’ financial position, operating results or cash flows, or in the “Business Risks” described in the annual securities report for the previous fiscal year.」

「During the first quarter of the current consolidated cumulative period, there were no occurrences of matters that could materially affect investors’ investment decisions among the matters relating to the business and financial position described in this quarterly report, nor were there any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」

「The Group promotes strict compliance with laws and regulations related to its business activities, as well as compliance by employees and others. However, if a serious violation of laws or regulations, including personal misconduct, were to occur, it could significantly undermine the trust of customers and others and affect business performance.」