As the pioneer in the issuance of the VISA  Card in Japan and a leader in the domestic  credit card industry, Sumitomo Mitsui Card  Company, Limited, enjoys the strong support  of its many customers and plays a major role  as one of the strategic businesses of SMFG. Leveraging its strong brand image and its  excellent capabilities across a wide range of  card-related services, the company provides  settlement and financing services focused  around providing credit services that meet  customer needs. Through its credit card busi- ness operations, the company aims to actively  contribute to the realization of comfortable and  affluent consumer lifestyles and make further  Cedyna Financial Corporation was formed in  April 2009 as a result of the merger of OMC  Card, Inc., Central Finance Co., Ltd. and  QUOQ Inc., consolidating their client bases,  marketing capabilities and expert knowledge.  As a member of the SMFG Group, it strives  to become “the number one credit card busi- ness entity in Japan” by closely working with  Sumitomo Mitsui Card.  Concurrently, as a leading consumer  finance company, it also provides the highest  level of service for diverse consumer finan- cial needs including credit cards, consumer  credit, and solution marketing. Sumitomo Mitsui Finance and Leasing Co.,  Ltd. (SMFL) was formed in October 2007  as a result of the merger of SMBC Leasing  Company, Limited and Sumisho Lease Co.,  Ltd. SMFL strives to become one of the top  leasing companies in Japan in terms of both  quantity and quality by consolidating and  leveraging the client portfolios and expert  knowledge of SMBC Leasing Company  based on the financial solution formulation  capabilities of the SMFG Group, and those  of Sumisho Lease Company based on its  industrial association with the Sumitomo  Corporation Group. SMFL meets the diversifying needs of our  clients by providing high value-added ser- vices that go beyond the conventional level  of leasing services, based on its decades of  combined experiences of the different back- grounds and characteristics of the two com- panies. SMFL strives to contribute to society  as a leading leasing company through quality  leasing operations. dramatic advances as a leading brand in its  industry sector. Billions of yen 2011 2010 2009 2008 For the Year: Leasing transaction volume .................... ¥800.8 ¥733.6 ¥895.8 ¥1,054.1 Operating revenue .... 812.8 894.7  947.6 708.4 Operating profit ........ 50.2 43.8  36.4 36.2 SMFG  2011 17 Billions of yen 2011 2010 2009 OMC * CF * QQ * For the Year: Operating revenue ...... ¥203.2 ¥223.9 ¥137.7 ¥80.6 ¥44.8 Operating profit .......... 0.8 (40.8) 6.9 (1.4) (5.2) At Year-End: Number of cardholders (in thousands) ........... 22,513 24,933 Billions of yen 2011 2010 2009 2008 For the Year: Revenue from credit  card operations ........ ¥6,896.3 ¥6,209.0 ¥5,858.6 ¥5,375.2 Operating revenue ...... 185.2 183.5 180.1 168.3 Operating profit .......... 32.6 24.3 22.2 16.8 At Year-End: Number of cardholders (in thousands) ........... 20,770 20,504 18,655 16,406 Long-term Short-term JCR A+ J–1+ Financial Information  (Years ended March 31) Credit Ratings  (as of June 30, 2011) Long-term Short-term R&I A+ a–1 JCR AA– J–1+ Long-term Short-term JCR A J–1 (Japanese only) Company Name: Sumitomo Mitsui Card  Company, Limited Tokyo Head Office: 1-2-20, Kaigan,  Minato-ku, Tokyo Osaka Head Office: 4-5-15, Imab ashi,  Chuo-ku, Osaka President & CEO: Hideo Shimada  (Appointed on June 29, 2011) Number of Employees: 2,300 Head Office: Establishment:  December 26, 1967 Business Profile:  Credit card services Company Name: Cedyna Financial Corporation Business Profile:  Credit card services, consumer  credit Establishment:  September 11, 1950 Head Office: Head Office: 3-23-20 Marunouchi, Naka-ku,  Nagoya Tokyo Head Office: 2-16-4 Konan, Minato-ku,  Tokyo President & CEO:  Hajime Yamashita Number of Employees: 3,096 Company Name: Sumitomo Mitsui Finance and  Leasing Co., Ltd. Business Profile:  Leasing Establishment:  February 4, 1963 Head Office: Tokyo Head Office: 3-9-4, Nishi-Shimbashi, Minato-ku, Tokyo Osaka Head Office: 3-10-19, Minami-Semba, Chuo-ku, Osaka President & CEO: Yoshinori Kawamura (Appointed on June 29, 2011) Number of Employees: 1,485 Financial Information  (Years ended March 31) Credit Ratings  (as of June 30, 2011) www.smfl.co.jp/english/ Financial Information  (Years ended March 31) Credit Ratings  (as of June 30, 2011) www.cedyna.co.jp/english/ www.smbc-card.com * OMC: OMC Card, Inc. CF: Central Finance Co., Ltd. QQ: QUOQ Inc.