Company Clients Program/Product Description JRI Corporate,  other Environmental advisory business This business is involved in many projects mainly for waste treatment and energy. Its objective is to prevent global warming and  support the growth of environmental companies by creating new businesses. Energy-saving industrial initiative with  Guangdong Province In November 2010, we executed a memorandum with the Department of Science and Technology of Guangdong Province on a  joint promotion of industries which conserve energy and reduce carbon emissions. We plan to promote low-carbon and energy- saving industries and Energy Service Companies, including measures such as policy research for energy-saving and the promotion  of technological transfers through collaborative model projects by Japanese and Chinese companies. JRI / SMBC / SMBCCN*$^{5}$ / JRIS * 6 Consulting for construction of Tianjin  Eco-City, and attracting Japanese  companies Leveraging its environmental business expertise, JRI is creating a plan for the use of renewable energy at the Tianjin Eco-City,  China’s national project for an environmentally sustainable city. SMBC, SMBCCN and JRIS have signed a basic agreement with the  Tianjin Eco-City Administrative Committee, on initiatives to attract Japanese companies to the project. SMCC* 7 Individuals Chip recycling Rare metal extracted from IC chips installed in expired credit cards, are recycled. SMCC / Cedyna Web Registration Campaign SMCC is vigorously promoting the use of online account statements (credit/debit sums are e-mailed and the details posted on its  website) as a means of conserving paper and helping cut CO2 emissions. Cedyna Socially contributing environmental  cards We issue socially contributing environmental credit cards such as “Chikyuni Yasashii Card” and “Cedyna Card AXU” which donate  part of the payments made by such cards to environment preservation organizations. Friend * 8 Global environmental sustainability  bonds SMBC Friend Securities marketed global environmental sustainability bonds issued by the European Reconstruction and  Development Bank (ERDB) during the period from November 30 to December 21, 2010. The funds raised by such bonds are used  to support natural energy development, forestry regeneration and other environmental projects selected by the ERDB based on its  evaluation standards. Friend /  Nikko Electronic statement service Promoting the usage of online account statements Minato* 9 Corporate Minato ECO Loan/Private Placement  Bond Minato Bank offers preferential interest rates on loans and preferential fees on underwriting of private placement bonds for  corporations which have acquired an environmental management system certification. Individuals Minato ECO product purchasing loan  Minato ECO housing loan Minato Bank offers environment-friendly loans to clients purchasing and installing new-energy or energy-saving equipment. It  additionally offers housing loans with discounted interest rates to clients (a) purchasing homes installed with such equipment,  (b) renovating their homes to be energy efficient, (c) refinancing housing loans of energy efficient homes or (d) constructing or  purchasing new homes which meet the residential environmental efficiency standards set forth by the city of Kobe (Comprehensive  Assessment System for Environmentally Efficient Construction). KUBC* 10 Individuals Mother Lake  eco-time deposits KUBC offers time deposits, through which clients may contribute the amount equivalent to 0.01% of their deposit balance to the  “The Mother Lake-Shiga Support Fund,” which preserves the natural environment of Lake Biwa. In April 2011, KUBC donated  ¥5.25 million to this Fund, which is equivalent to 0.01% of ¥52.5 billion, the outstanding balance as of February 28, 2011. Housing loan for solar power  generation The bank has launched a campaign in which applicable interest rate cuts of up to 1.0% a year are offered to clients who take out  housing loans for residences in which solar power generation facilities are installed. Donation to environmental fund by  housing loans When clients purchase homes which are installed with designated solar power generation systems and located in the subdivisions  in the Katata district of Otsu-city, Shiga Prefecture, a certain percentage of the housing loan amount is donated to the Ohmi  Environment Conservation Foundation, the activities of which are dedicated to the preservation of Lake Biwa. Issuance of “Cedyna Card AXU” to preserve  bio-diversity Environmental Business Forum at Eco-Products  2010 The Eco-Products exhibition, held each December, is one of  Japan’s largest environmental exhibitions. Following last year’s  event, SMFG again held the SMFG Environmental Business  Forum, comprising various environmental business events. SMFG conducted business matching, set up booths  having catalogs available, and offered lectures, seminars, and  other programs, targeting different types of stakeholders, such  as those who are planning to newly enter the environmental  business field, considering expanding their marketing chan- nels, and reviewing the information collected. By offering such  opportunities, SMFG provided forums for the representatives of  companies in the environmental field to expand their network  business contacts and exchange information. During the three-day exhibition, we held 17 seminars on  various topics, as well as two panel discussions. 659 busi- ness matchings were arranged, and 28 companies had booths  marketing their products and services.  Consequently, the SMFG  Environmental Business Forum  hosted a substantial number of  business negotiations for new  environmental technologies,  products, and services. In order to preserve bio-diversity, we issued the Cedyna Card  AXU in May 2010, through which environmental contributions  may be made. In addition to the basic functions of regular  credit cards, this Card offers ecological options including  participation in ecological nature tours under the “Green  Selection” program; shop LOHAS products and services with  the concept of preserving the environment and bio-diversity,  under the “Green Shopping” program; and donates 0.1% of  the payments made by the Card to environment preserva- tion organizations under the “Green Contribution” program; to  make the usage of this Card more interesting and enjoyable. 57 SMFG  2011