Compliance Compliance Systems at SMFG Basic Compliance Policies Reporting System for Inappropriate Accounting  and Auditing Activities Group Management from a Compliance  Perspective SMFG  2011 52 * SMFG Card & Credit, Inc. is an intermediary holding company for Sumitomo Mitsui Card and Cedyna. Specifically, SMFG manages and monitors the self-sustaining  compliance functions of individual Group companies through  regular meetings attended by all Group companies and meetings  with individual companies. The following compliance issues will  be strengthened for the fiscal year 2011: (a) Responding appro- priately to the regulatory environment, and strengthening the  compliance structure of overseas offices; and (b) Strengthening  the compliance structure of the Group. As a financial holding company, SMFG strives to maintain a  compliance system which provides the appropriate directions,  guidance and monitoring related to compliance for its Group  companies. Reports may be submitted by regular mail or e-mail to the following  respective addresses. Mailing address: SMFG Accounting and Auditing Hotline Iwata Godo Attorneys and Counsellors at Law 10th floor, Marunouchi Building 2-4-1 Marunouchi, Chiyoda-ku, Tokyo 100-6310 E-mail address: smfghotline@iwatagodo.com * The hotline accepts any alerts of inappropriate activities concerning  accounting and auditing at SMFG and its consolidated subsidiaries. * Anonymous reports are also accepted; however, if possible, providing  personal information such as your name and contact information would  be appreciated and helpful. * Please provide as much detail as possible for such inappropriate activi- ties. An investigation may not be feasible if information is not adequate. * Personal information will not be disclosed to any third parties without  your consent, unless such disclosure is required by law. SMFG has implemented the “SMFG Accounting and Auditing  Hotline” to provide the means for individuals in and out of the  Group to report inappropriate accounting and auditing activi- ties. This hotline quickly identifies and takes appropriate actions  against any fraudulent activity or any misconduct associated  with accounting and auditing at SMFG and its consolidated  subsidiaries. SMFG strives to further strengthen its compliance systems so  that it may fulfill its public mission and corporate social responsi- bilities as a financial services group offering diversified products  and services, and thereby become a truly outstanding global  corporate group. For compliance policies, SMFG sets forth its “Business  Ethics” (on page 48) as the common CSR principles for the  Group, and considers the strengthening of such Business Ethics  as one of the critical issues for the management. Sumitomo Mitsui Financial Group, Inc. Board of Directors Management Committee Compliance Committee Group Business  Management Dept. Audit Dept. General Affairs Dept. Corporate Auditors Departments and Offices General Manager responsible for compliance Compliance Officers to assist General Managers Group Companies SMBC, SMFG Card & Credit*, Sumitomo Mitsui Finance and Leasing, JRI, and SMBC Friend Securities Audit Directions Report Management Report Report Report Compliance System Oversight and Guidelines Audit/Monitoring Group Company Audit/Monitoring Group Company