Environmental Preservation Initiatives The Group recognizes environmental preservation to be one of its most important management issues. Based  on our Group Environmental Policy, we are implementing our initiatives to preserve and achieve harmony  with the natural environment in our corporate activities. SMFG officially signed the “Statement by Financial  Institutions on the Environment and Sustainable Development” of the United Nations Environment Programme  (“UNEP”) in July 2002. Recognizing the importance of realizing a sustainable society, SMFG is continuously making efforts to preserve and achieve harmony  with the natural environment in its corporate activities in order to support the economy and contribute to the betterment of society as a  whole. The three pillars of our environmental action plan are to  “reduce environmental implications,” “manage environ- mental risks,” and “promote environmental businesses.”  We set forth environmental objectives for various activities  and follow PDCA (plan, do, check, and act) procedures in  such environmental activities. SMFG and principal Group companies have obtained  ISO14001 certification, the international standard for  Environmental Management Systems (EMS). SMFG  2011 54 EMS Enhancement System Three pillars of the Group’s activities  Environmental Action Plan and PDCA Procedures Specific environmental policies The Group Environmental Policy Basic concepts • We provide environment friendly financial products, information and solutions which support our clients in their efforts to preserve the  eco-system. • We devise means to reduce environmental risks posed by our own activities and the society. • We are determined to fulfill our social responsibilities through the conservation of resources and energy and the reduction of waste. • We strictly comply with the environment-related laws and regulations. • We practice the highest level of information disclosure related to the Group’s environmental activities and consistently improve our  efforts to contribute to environmental preservation by communicating with our staff as well as the third parties. • We place high priority on thoroughly educating our staff about our environmental principles to ensure that they conform to these prin- ciples in the performance of their work. • We actively and effectively implement “environmental management,” and make continuous efforts to improve our system to deal with  environmental issues by setting goals and targets for every fiscal year and reviewing them as deemed necessary. • These policies are disclosed on the Group’s website, and the printed version is available upon request. SMFG Officer in charge of environmental issues: Officer in charge of Corporate Planning Dept. Officer responsible for environment management: GM of Group CSR Dept., Corporate Planning Dept. ISO14001 Secretariat: Group CSR Dept., Corporate Planning Dept. Operational Section Japan Research Institute General Affairs Dept. SMBC Friend Securities Corporate Planning Dept. Sumitomo Mitsui Finance and Leasing SMFG Card & Credit  Corporate Planning Dept. Sumitomo Mitsui Card Communications Dept. SMBC Nikko Securities Corporate Planning Dept. SMBC PLAN DO CHECK ACT The Group Environmental Policy Implementation of environmental initiatives Reduce environmental implications Manage environmental risks Promote environmental businesses