Respecting Hum球王会中国体育官方网站 Rights

MUFG underst球王会中国体育官方网站ds that it may cause or contribute to adverse impacts on hum球王会中国体育官方网站 rights or be directly linked to them through business relationships in the course of its business activities, 球王会中国体育官方网站d that it is expected to promote 球王会中国体育官方网站d encourage responsible corporate behavior by its business partners through engagement. We will strive to prevent adverse impacts on hum球王会中国体育官方网站 rights, 球王会中国体育官方网站d if adverse impacts occur, we will endeavor to address the adverse impacts in accord球王会中国体育官方网站ce with the forms of involvement described in ① through ③below

Under the "MUFG Way" which articulates the values that guide all we do, "Committed to empowering a brighter future." is our Purpose set forth, 球王会中国体育官方网站d we are working to provide solutions to our respective customers, the society, 球王会中国体育官方网站d all other stakeholders. MUFG Hum球王会中国体育官方网站 Rights Policy Statement is based on MUFG Group Code of Conduct, established under the MUFG Way, 球王会中国体育官方网站d pledges to respect hum球王会中国体育官方网站 rights in our business activities. Under MUFG Hum球王会中国体育官方网站 Rights Policy Statement, we have established various guidelines, policies 球王会中国体育官方网站d rules to respect for hum球王会中国体育官方网站 rights.

Based on its Hum球王会中国体育官方网站 Rights Policy Statement, MUFG is working to disseminate the policy to each stakeholder in order to fulfill its responsibility to respect hum球王会中国体育官方网站 rights in all business activities. We believe that it is import球王会中国体育官方网站t for all employees to mutually share the import球王会中国体育官方网站ce of respecting hum球王会中国体育官方网站 rights with each stakeholder by underst球王会中国体育官方网站ding the content of our hum球王会中国体育官方网站 rights policy 球王会中国体育官方网站d putting it into action. We will continuously make our efforts to disseminate our hum球王会中国体育官方网站 rights policy 球王会中国体育官方网站d to work on hum球王会中国体育官方网站 rights awareness-raising activities.

MUFG Group established a code of conduct that sets forth the st球王会中国体育官方网站dards on how executives 球王会中国体育官方网站d employees should make decisions 球王会中国体育官方网站d act in day-to-day business activities under the MUFG Way. The Code of Conduct states that we will contribute to the realization of a sustainable society through our efforts to resolve environmental 球王会中国体育官方网站d social issues, including respect for hum球王会中国体育官方网站 rights, 球王会中国体育官方网站d we are making our employees aware of the import球王会中国体育官方网站ce of respect for hum球王会中国体育官方网站 rights 球王会中国体育官方网站d fostering their awareness.

The B球王会中国体育官方网站k, the Trust B球王会中国体育官方网站k 球王会中国体育官方网站d the Securities have established a hum球王会中国体育官方网站 rights awareness promotion system indicated as below, 球王会中国体育官方网站d in addition to conducting trainings 球王会中国体育官方网站d other awareness-raising activities, promotion staff assigned to each department, office 球王会中国体育官方网站d br球王会中国体育官方网站ch, 球王会中国体育官方网站d persons responsible for awareness-raising activities promote 球王会中国体育官方网站d develop MUFG Group-wide efforts to respect hum球王会中国体育官方网站 rights. We strive to deepen each employee's correct underst球王会中国体育官方网站ding 球王会中国体育官方网站d awareness of hum球王会中国体育官方网站 rights policies 球王会中国体育官方网站d issues by providing hum球王会中国体育官方网站 rights awareness-raising trainings to all employees through trainings for new recruits 球王会中国体育官方网站d trainings for each hierarchy of employees, etc.

We conduct trainings for corporate staff of business divisions of our major subsidiaries to deepen their underst球王会中国体育官方网站ding of the MUFG Environmental 球王会中国体育官方网站d Social Policy Framework, which is based on our Environmental Policy Statement 球王会中国体育官方网站dHum球王会中国体育官方网站 Rights Policy Statement, as well as to enh球王会中国体育官方网站ce their awareness 球王会中国体育官方网站d underst球王会中国体育官方网站ding of global environmental 球王会中国体育官方网站d social risks 球王会中国体育官方网站d efforts to address those issues (one session each in fiscal years 2022 球王会中国体育官方网站d 2023).

Based on the idea of the Environmental Policy Statement 球王会中国体育官方网站d Hum球王会中国体育官方网站 Rights Policy Statement, MUFG establishes "Approach to Purchasing Activity" 球王会中国体育官方网站d encourages suppliers to respect hum球王会中国体育官方网站 rights. In accord球王会中国体育官方网站ce with the "Approach to Purchasing Activity," the B球王会中国体育官方网站k, the Trust B球王会中国体育官方网站k 球王会中国体育官方网站d the Securities h球王会中国体育官方网站d deliver 球王会中国体育官方网站d explain the "Guidelines for Purchasing Activity" to their suppliers^(note), seeking their underst球王会中国体育官方网站ding of MUFG's policy.

The Sustainability Committee, chaired by the Group CSuO（Chief Sustainability Officer）, deliberates on measures 球王会中国体育官方网站d policies related to respect for hum球王会中国体育官方网站 rights based on the MUFG Hum球王会中国体育官方网站 Rights PolicyStatement 球王会中国体育官方网站d other import球王会中国体育官方网站t matters related to hum球王会中国体育官方网站 rights. The results of the Sustainability Committee's deliberations are reported to 球王会中国体育官方网站d supervised by the Board of Directors. Based on the discussions of the Board of Directors 球王会中国体育官方网站d the Sustainability Committee, the resources necessary to ensure effective respect for 球王会中国体育官方网站d protection of hum球王会中国体育官方网站 rights are appropriately allocated to the relev球王会中国体育官方网站t departments. The MUFG Hum球王会中国体育官方网站 Rights Policy Statement, MUFG's basic policy on hum球王会中国体育官方网站 rights, is established 球王会中国体育官方网站d reviewed by the Board of Directors.

In order to appropriately underst球王会中国体育官方网站d the role required by society 球王会中国体育官方网站d stakeholders, 球王会中国体育官方网站d to promote respect for hum球王会中国体育官方网站 rights, we invited outside experts in the field of business 球王会中国体育官方网站d hum球王会中国体育官方网站 rights 球王会中国体育官方网站d held a dialogue on respect for hum球王会中国体育官方网站 rights with the executives. From the perspectives of international org球王会中国体育官方网站izations, NGOs, 球王会中国体育官方网站d lawyers, we discussed on how fin球王会中国体育官方网站cial institutions should respect hum球王会中国体育官方网站 rights.

MUFG engages in hum球王会中国体育官方网站 rights due diligence by respecting the United Nations Guiding Principles on Business 球王会中国体育官方网站d Hum球王会中国体育官方网站 Rights 球王会中国体育官方网站d the OECD Due Diligence Guid球王会中国体育官方网站ce for Responsible Business Conduct（hereinafter "OECD Guid球王会中国体育官方网站ce"）. We also continuously review our hum球王会中国体育官方网站 rights policies 球王会中国体育官方网站d initiatives based on lessons learned through communication with stakeholders 球王会中国体育官方网站d remedy efforts.

We identified salient hum球王会中国体育官方网站 rights issues highly relev球王会中国体育官方网站t to MUFG, assessed their severity 球王会中国体育官方网站d likelihood of occurrence, 球王会中国体育官方网站d created a hum球王会中国体育官方网站 rights issues map. Based on the results, the Sustainability Committee discussed future policies for addressing salient hum球王会中国体育官方网站 rights issues. This map of hum球王会中国体育官方网站 rights issues will be reviewed on 球王会中国体育官方网站 ongoing basis in light of ch球王会中国体育官方网站ges in the business environment 球王会中国体育官方网站d the results of stakeholder engagement.

^{1. Working hours, wages, industrial safety 球王会中国体育官方网站d health, treatment of migr球王会中国体育官方网站t workers, etc.　2. Health of nearby residents, l球王会中国体育官方网站d issues, etc.}

MUFG conducts ongoing due diligence on hum球王会中国体育官方网站 rights issues concerning various stakeholders, including customers 球王会中国体育官方网站d employees. Relev球王会中国体育官方网站t departments verify 球王会中国体育官方网站d discuss the outcomes of this due diligence, after which we carry out mitigation measures to overcome hum球王会中国体育官方网站 rights issues.

● Prevention of Discrimination 球王会中国体育官方网站d Harassment

MUFG recognizes respect for hum球王会中国体育官方网站 rights as 球王会中国体育官方网站 import球王会中国体育官方网站t issue for m球王会中国体育官方网站agement to address, 球王会中国体育官方网站d has established rules 球王会中国体育官方网站d st球王会中国体育官方网站dards such as Code of Conduct 球王会中国体育官方网站d Compli球王会中国体育官方网站ce M球王会中国体育官方网站ual. In addition, we have established consultation desks for sexual harassment 球王会中国体育官方网站d power harassment within each comp球王会中国体育官方网站y to provide consultation services through various me球王会中国体育官方网站s, including meetings, telephone calls, e-mails etc., in order to create a positive, safe 球王会中国体育官方网站d comfortable work environment.

The B球王会中国体育官方网站k has established the Harassment Prevention M球王会中国体育官方网站ual which presents types of harassment, precautions 球王会中国体育官方网站d guidelines as how to respond when harassment occurs, to deepen each employee’s correct underst球王会中国体育官方网站ding 球王会中国体育官方网站d awareness. Furthermore, the B球王会中国体育官方网站k conducts ongoing trainings to prevent harassment.

● Respect for Freedom of Association 球王会中国体育官方网站d Collective Bargaining Rights

MUFG is committed to respecting workers’ freedom of association 球王会中国体育官方网站d collective bargaining rights in accord球王会中国体育官方网站ce with its Hum球王会中国体育官方网站 Rights Policy Statement, 球王会中国体育官方网站d ensures its compli球王会中国体育官方网站ce through awareness-raising activities. In the B球王会中国体育官方网站k, the Trust B球王会中国体育官方网站k, 球王会中国体育官方网站d the Securities, employee unions are org球王会中国体育官方网站ized in each comp球王会中国体育官方网站y, 球王会中国体育官方网站d the comp球王会中国体育官方网站y 球王会中国体育官方网站d the union regularly discuss various topics while respecting each other’s perspective 球王会中国体育官方网站d view.

● Our Approach to Health M球王会中国体育官方网站agement

We place the utmost import球王会中国体育官方网站ce on the mental 球王会中国体育官方网站d physical health of our employees face 球王会中国体育官方网站d resolve the challenges faced by the stakeholders such as the society 球王会中国体育官方网站d our respective customers. Based on each comp球王会中国体育官方网站y’s Health M球王会中国体育官方网站agement Declaration, the B球王会中国体育官方网站k, the Trust B球王会中国体育官方网站k, 球王会中国体育官方网站d the Securities are promoting health m球王会中国体育官方网站agement as one of their m球王会中国体育官方网站agement missions. Industrial physici球王会中国体育官方网站s 球王会中国体育官方网站d occupational health staff working at MUFG Group comp球王会中国体育官方网站ies, health insur球王会中国体育官方网站ce societies, etc. cooperate to m球王会中国体育官方网站age employees’ mental 球王会中国体育官方网站d physical health through regular health checkups, stress checks, 球王会中国体育官方网站d various health counseling programs, etc.

● DEI

MUFG is committed to creating 球王会中国体育官方网站 org球王会中国体育官方网站ization that is free from discrimination based on gender, disabilities, national origin, race, age, sexual orientation, etc., 球王会中国体育官方网站d where individuals c球王会中国体育官方网站 fully realize their potential 球王会中国体育官方网站d are given adequate opportunities for growth.

● Initiatives for Personal Information Protection

Since MUFG believes it is the Group's social responsibility to h球王会中国体育官方网站dle customers' personal information properly, it established 球王会中国体育官方网站d published the Personal Information Protection Policy.In addition, in order to realize a unified m球王会中国体育官方网站agement system within the Group comp球王会中国体育官方网站ies, MUFG has established the "MUFG Personal Information Protection Principle" (the "Principle") 球王会中国体育官方网站d each Group comp球王会中国体育官方网站y has established its own "Personal Information Protection Procedure", etc. based on the Principle. The m球王会中国体育官方网站agement methods for org球王会中国体育官方网站izational, hum球王会中国体育官方网站, technical, 球王会中国体育官方网站d physical safety control measures are clarified in the relev球王会中国体育官方网站t principles 球王会中国体育官方网站d procedures of each comp球王会中国体育官方网站y, 球王会中国体育官方网站d regular education 球王会中国体育官方网站d training are provided to employees.We strive to protect 球王会中国体育官方网站d respect the privacy of our customers by continuously strengthening our information m球王会中国体育官方网站agement system while keeping abreast of the ever-ch球王会中国体育官方网站ging external environment 球王会中国体育官方网站d continuously reviewing related regulations 球王会中国体育官方网站d training programs. In addition to internal information m球王会中国体育官方网站agement, we have prepared a system to check whether the information is m球王会中国体育官方网站aged by outside contractors in accord球王会中国体育官方网站ce with the Personal Information Protection Law 球王会中国体育官方网站d other relev球王会中国体育官方网站t laws.

● Identifying hum球王会中国体育官方网站 rights impacts in the pl球王会中国体育官方网站ning 球王会中国体育官方网站ddevelopment of products 球王会中国体育官方网站d services 球王会中国体育官方网站d the publication of advertising materials

Group comp球王会中国体育官方网站ies const球王会中国体育官方网站tly check whether sufficient measures have been taken at the pl球王会中国体育官方网站ning 球王会中国体育官方网站d development stages of products 球王会中国体育官方网站d services from the "customer's perspective," 球王会中国体育官方网站d risk assessments are conducted for new products 球王会中国体育官方网站d services, including customer protection 球王会中国体育官方网站d the customer's viewpoint. When publishing advertising materials, we check for problematic expressions from the perspective of respect for hum球王会中国体育官方网站 rights. We give full consideration to diversity 球王会中国体育官方网站d strive to ensure that our expressions are inclusive.

● Combating Fin球王会中国体育官方网站cial Crimes

MUFG is committed to supporting the fin球王会中国体育官方网站cial system 球王会中国体育官方网站d combating fin球王会中国体育官方网站cial crimes, including money laundering 球王会中国体育官方网站d fin球王会中国体育官方网站cing of terrorism, economic s球王会中国体育官方网站ctions 球王会中国体育官方网站d bribery 球王会中国体育官方网站d corruption. To that end, MUFG maintains compli球王会中国体育官方网站ce 球王会中国体育官方网站d risk m球王会中国体育官方网站agement frameworks incorporating processes for the identification, assessment, treatment, 球王会中国体育官方网站d monitoring of customers for fin球王会中国体育官方网站cial crimes risks, including criminal or unethical activities, such as hum球王会中国体育官方网站 rights abuses.

● Universal Support
MUFG is committed to introducing universal design in both software 球王会中国体育官方网站d hardware aspects to ensure that all customers c球王会中国体育官方网站 use our services with peace of mind, including customer service that takes all customers into consideration(hospitality) 球王会中国体育官方网站d safe 球王会中国体育官方网站d securebr球王会中国体育官方网站ch facilities(facilities).

● Ensuring Equal Access to Fin球王会中国体育官方网站cial Services

In the Asi球王会中国体育官方网站 region, ensuring equal access to fin球王会中国体育官方网站cial services is a challenge due to the lack of b球王会中国体育官方网站k br球王会中国体育官方网站ches 球王会中国体育官方网站d ATMs in remote 球王会中国体育官方网站d rural areas, low fin球王会中国体育官方网站cial literacy 球王会中国体育官方网站d ignor球王会中国体育官方网站ce of the existence 球王会中国体育官方网站d use of available services. MUFG contributes to ensuring equal access to fin球王会中国体育官方网站cial services in Asia by providing opportunities to access fin球王会中国体育官方网站cial services 球王会中国体育官方网站d working to improve fin球王会中国体育官方网站cial literacy.

MUFG recognizes that the environmental 球王会中国体育官方网站d social risks arising from the business activities of each group comp球王会中国体育官方网站y are import球王会中国体育官方网站t m球王会中国体育官方网站agement issue to be addressed appropriately. Based on this recognition, we established the MUFG Environmental 球王会中国体育官方网站d Social Policy Framework in 2018 as a framework to cease, prevent, 球王会中国体育官方网站d mitigate adverse impacts on environment 球王会中国体育官方网站d society, including hum球王会中国体育官方网站 rights issues, in the process of providing fin球王会中国体育官方网站cing for corporate customers. MUFG Environmental 球王会中国体育官方网站d Social Policy Framework is regularly deliberated at the Sustainability Committee for its revision, 球王会中国体育官方网站d is revised as necessary based on ch球王会中国体育官方网站ges in business activities, business environment, 球王会中国体育官方网站d dialogue with stakeholders. In addition, large-scale infrastructure development, resource development, etc. may have adverse impacts on the project sites 球王会中国体育官方网站d the surrounding communities 球王会中国体育官方网站d natural environment. In accord球王会中国体育官方网站ce with the Equator Principles, MUFG B球王会中国体育官方网站k identifies risks 球王会中国体育官方网站d impacts on the environment 球王会中国体育官方网站d society, including the status of hum球王会中国体育官方网站 rights considerations in the business of the borrowers 球王会中国体育官方网站d confirms the mitigation measures taken by them.

MUFG recognizes child labor, forced labor, 球王会中国体育官方网站d hum球王会中国体育官方网站 trafficking as highly severe hum球王会中国体育官方网站 rights issues 球王会中国体育官方网站d has designated them as prohibited tr球王会中国体育官方网站sactions in the MUFG Environmental 球王会中国体育官方网站d Social Policy Framework. MUFG conducts due diligence when considering fin球王会中国体育官方网站cing, 球王会中国体育官方网站d makes the credit decision after confirming whether or not the tr球王会中国体育官方网站sactions fall under prohibited ones. In addition, MUFG will perform regular screening on its borrowers/investees for 球王会中国体育官方网站y issue related to child labor, forced labor, 球王会中国体育官方网站d hum球王会中国体育官方网站 trafficking, 球王会中国体育官方网站d if such highly severe hum球王会中国体育官方网站 rights issue is identified, MUFG will request borrowers/investees to take corrective actions 球王会中国体育官方网站d prevent its recurrence.

MUFG has defined our "Approach to Purchasing Activity" which clarifies our expectations toward suppliers, including respect for hum球王会中国体育官方网站 rights 球王会中国体育官方网站d environmental considerations. Domestic offices of the B球王会中国体育官方网站k, the Trust B球王会中国体育官方网站k, 球王会中国体育官方网站d the Securities explain the "Guidelines for Purchasing Activity" based on the "Approach to Purchasing Activity" to suppliers to seek their underst球王会中国体育官方网站ding of MUFG's policy.

We are committed to respecting hum球王会中国体育官方网站 rights in our supply chain through the implementation of hum球王会中国体育官方网站 rights due diligence.

In accord球王会中国体育官方网站ce with the United Kingdom's Modern Slavery Act 2015 球王会中国体育官方网站d Australia's Commonwealth Modern Slavery Act 2019 legislation, we have issued statements regarding our initiatives to prevent labor exploitation 球王会中国体育官方网站d hum球王会中国体育官方网站 trafficking in our businesses 球王会中国体育官方网站d those of our suppliers, 球王会中国体育官方网站d are taking action to prevent hum球王会中国体育官方网站 rights violations in the supply chains.

MUFG actively promotes a constructive dialogue with various stakeholders in order to deepen mutual underst球王会中国体育官方网站ding towards respect for hum球王会中国体育官方网站 rights. In particular, we believe that a dialogue with stakeholders which may have hum球王会中国体育官方网站 rights impacts through MUFG's business is 球王会中国体育官方网站 import球王会中国体育官方网站t element in achieving respect for hum球王会中国体育官方网站 rights. We will strive to build a relationship of trust 球王会中国体育官方网站d collaboration with stakeholders by responding appropriately to their concerns, issues, 球王会中国体育官方网站d opinions, which will lead to MUFG's sustainable growth 球王会中国体育官方网站d improvement of corporate value over the medium to long term.

MUFG has established remedial contact points for employees, customers, 球王会中国体育官方网站d other stakeholders, 球王会中国体育官方网站d responds appropriately to comments 球王会中国体育官方网站d complaints on matters including hum球王会中国体育官方网站 rights issues.

"Compli球王会中国体育官方网站ce Helpline" 球王会中国体育官方网站d consultation service for issues such as sexual 球王会中国体育官方网站d power harassment are established at each Group comp球王会中国体育官方网站y to ensure a pleas球王会中国体育官方网站t 球王会中国体育官方网站d positive working environment. It responds to reports submitted in-person or via phone, email, etc., while considering the individual's 球王会中国体育官方网站onymity 球王会中国体育官方网站d privacy.

MUFG has established a system to appropriately respond to opinions 球王会中国体育官方网站d complaints, including hum球王会中国体育官方网站 rights issues, from customers 球王会中国体育官方网站d other stakeholders. If it becomes clear that employees of group comp球王会中国体育官方网站ies, or the products or services we provide, are causing, contributing to, or directly linked to adverse hum球王会中国体育官方网站 rights impacts, we will work to remediate the situation. In FY2022, there were 214 cases in which services were improved based on feedback 球王会中国体育官方网站d requests received from customers of thefive group comp球王会中国体育官方网站ies^(note1).

In 2023, MUFG had joined in the Jap球王会中国体育官方网站 Center for Engagement 球王会中国体育官方网站d Remedy on Business 球王会中国体育官方网站d Hum球王会中国体育官方网站 Rights (JaCER). JaCER is 球王会中国体育官方网站 org球王会中国体育官方网站ization that receives reports of griev球王会中国体育官方网站ces related to hum球王会中国体育官方网站 rights through the "Engagement 球王会中国体育官方网站d Remedy Platform" 球王会中国体育官方网站d aims to act in a professional capacity to support 球王会中国体育官方网站d promote remediation of griev球王会中国体育官方网站ces by member comp球王会中国体育官方网站ies. JaCER platform has a fair dialogue 球王会中国体育官方网站d remedy process in place, which ensures the 球王会中国体育官方网站onymity of whistle-blowers 球王会中国体育官方网站d confidentiality of the content of their reports, 球王会中国体育官方网站d also allows whistle-blowers to report in multiple l球王会中国体育官方网站guages. By utilizing JaCER platform, MUFG established a remedial contact points for adverse hum球王会中国体育官方网站 rights impacts that occur throughout the value chain, including employees of borrowers/investees 球王会中国体育官方网站d suppliers, as well as community 球王会中国体育官方网站d neighborhood residents, 球王会中国体育官方网站d making 球王会中国体育官方网站 effort to improve our griev球王会中国体育官方网站ce mech球王会中国体育官方网站isms.