AEON Financial Service Group AI Basic Policy

The AEON Financial Services Group (hereinafter referred to as the “AFS Group”) has established “To bring ’finance’ closer to everyone. By committing to each and every person, we brighten up everyday lives with peace of mind and smiles.” as Our Purpose, and provides a variety of financial services in Japan and overseas. To accelerate the realization of this purpose, the AFS Group shall promote the proactive and responsible use of Artificial Intelligence (“AI”).
At the same time, the AFS Group recognizes the risks associated with the use of AI, including those related to privacy and information security. Accordingly, the AFS Group shall comply with the laws and regulations applicable in each country and region and, in accordance with the principles set out in this Policy, strive to use AI in a safe, secure, and trustworthy manner.

Basic Principles

1. Human-Centered Approach

The AFS Group shall use AI based on a human-centered approach so that AI respects the fundamental human rights and dignity of customers and all other individuals. In addition, AI shall be operated under appropriate human judgment and oversight.

2. Safety

The AFS Group shall manage risks according to their severity and strive to ensure the safety of AI so that it does not cause harm to people, the economy, or society.

3. Fairness

The AFS Group shall strive to eliminate bias and ensure fair access to its services so that customers and other individuals are not subject to unfair discrimination through the use of AI.

4. Protection of Privacy

The AFS Group shall comply with applicable laws and regulations and its group privacy policies, respect the privacy of customers and other individuals, and appropriately protect personal information.

5. Ensuring Security

The AFS Group shall strive to ensure information security in order to protect AI systems and the data handled by AI from various threats.

6. Transparency

The AFS Group shall strive to ensure appropriate transparency and explainability regarding the use of AI in order to gain the understanding and trust of stakeholders.

7. Accountability

The AFS Group shall clarify where responsibility lies in relation to the use of AI and fulfill appropriate accountability to stakeholders.

8. Education and AI Literacy

The AFS Group shall strive to enhance the knowledge, ethical awareness, and AI literacy of officers and employees through continuous education so that they can use AI appropriately and safely.

9. Ensuring Fair Competition

The AFS Group shall comply with applicable laws and regulations and ensure that its use of AI does not undermine a fair competitive environment.

10. Innovation

The AFS Group shall create new value through the responsible use of AI and contribute to improving customer convenience, as well as to innovation in the economy and society.

Continuous Review

The AFS Group shall continuously review this Policy and its governance framework in light of technological advancements, changes in laws, regulations, and the regulatory environment, as well as evolving social expectations.

September 24, 2026