Topics Settlement and Consumer  Finance Business Transaction Channels SMFG  2011 9 A seminar jointly held with SMBC Nikko Securities An SMBC ATM installed at SMBC Nikko Securities’  Sendai Branch In March 2011, we began offering a  new service “SMBC First Pack Debut,”  which was especially designed for stu- dents between the ages of 18 and 23,  under our settlement service platform  of “SMBC First Pack.” When students  make automatic bill payments for their  mobile phones using the account reg- istered with the service, they are not  charged in the month following the next month, for after busi- ness hours service fees for ATMs located at domestic branches  and @B Λ NK ATMs installed at convenience stores and other  locations. Such services are designed specifically for the needs  and lifestyle of students. The iD* credit service, which was created as a result of the  strategic alliance of SMFG and NTT DoCoMo, Inc., continues to  further evolve. As of March 31, 2011, there were approximately  15.84 million subscribers for this service and approximately  510,000 terminals for such credit services installed on the prem- ises of affiliated merchants. * “iD” is a trademark of NTT DoCoMo, Inc. As of the end of March 2011, there were 719 automatic  contract machines for our consumer finance business with  Promise Co., Ltd., and the outstanding balance of card loans  made by the bank and guaranteed by Promise was approxi- mately ¥340 billion. At-Loan Co., Ltd., the former business part- ner for this affiliation was absorbed and merged into Promise in  April 2011, as part of a reorganization plan. For  SMBC Direct  online banking services, we are constantly  adding highly advanced services to meet our clients’ needs to  improve convenience and reinforce security. In November 2010,  we launched an online overseas remittance service for individual  clients through  SMBC Direct , improving the service previously  offered only at our branches. This is another way for us to better  accommodate our clients by simplifying the procedures, increas- ing their choices and maximizing convenience. As of March 31,  2011, there were approximately 10.86 million registered clients. Our call centers located in Tokyo, Kobe and Fukuoka for  our retail clients also take calls from our retail online clients who  prefer to speak with our staff on important issues. The operation  of these three call centers enhances our services by offering  telephone consultations for inquiries on asset management or  loans, as well as any information related to our financial services  to provide the type of services best accommodated to the life- style and needs of our clients. In April 2010, SMBC began financial instruments inter- mediary services for individuals as an agent of SMBC Nikko  Securities, in addition to SMBC Friend Securities. In June  2010, SMBC expanded the services’ portfolio to include  structured bonds, and started to offer a single premium whole  life insurance with variable benefit, jointly developed for the  first time with SMBC Nikko Securities for over-the-counter  sales. In October 2010, SMBC Nikko Securities also became  SMBC’s banking agent. Further, in January 2011, the opera- tions of SMBC Friend Securities related to the financial instru- ments intermediary and other services were integrated into  those of SMBC Nikko Securities. We continue to proactively  develop both our banking and securities businesses. Since October 2009, SMBC has been working with  SMBC Nikko Securities to offer investment trust products,  organize seminars, and provide financial instruments interme- diary services for our individual clients. SMBC Nikko Securities became a wholly-owned subsidiary  of SMBC on October 1, 2009, the milestone event which has  further enhanced our Group to be able to offer our clients  more competitive products and services. ◆  Joint Business Operations of SMBC and SMBC  Nikko Securities