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On behalf of us all, at Sumitomo Mitsui Trust Panasonic Finance, I take great pleasure in expressing our deep gratitude for your favorable consideration toward our company.

Historically, our two main shareholders are Sumitomo Mitsui Trust and Panasonic Holdings. We thus enjoy the combined features of both a bank-related lease company and a manufacturer-affiliated credit company.

As such, our strengths reside in our ability to provide the variety of financial instruments created by the Mitsui Sumitomo Trust Group together with the wide range of products made by the Panasonic Group. With our extensive line-up of financial products backed by the synergy created by both groups and our high level of financial expertise, we are well-positioned to satisfy the financial requirements of a broad base of corporate and individual customers alike.

To corporate customers, we deliver the most adequate financial products to meet their needs for their own capital investment and/or purchase financing for their customers, in Japan and overseas. In addition, we offer asset purchase facilities through our expertise and network dealing in pre-owned equipment. When it comes to selling merchandise and goods, we can extend finance services that contribute toward increased sales volumes for sellers.

Turning toward individual customers, we help make their daily life comfortable and convenient with our original credit card and long-term credit facilities when they purchase home appliances or housing equipment at Panasonic stores. The same applies to their home renewal, automobiles and other purchases, through a variety of credit and loan schemes best matching their individual financial plans.

Regarding our company employees, our aim is to make each and every one of them feel pride and enjoyment in their work, so as to enhance the professionalism of their activities, and thereby raise the level of customer satisfaction. This, in turn, will motivate them to further promote the virtuous cycle they generate.

Against the background of changing times and economic climate, we are constantly exploring, in a spirit of challenge, new ways to meet the expectations of our customers and retain their patronage. Everyone at Sumitomo Mitsui Trust Panasonic Finance joins me in hoping to be useful and appreciated for the "added-value services" we offer our customers.

In concluding, I would like thank you once again very much, and solicit hereby your continued warm support toward our company.

Toshiya Nishino, President
Sumitomo Mitsui Trust Panasonic Finance Co., Ltd.

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