Sony Bank and F&M Tie up in Conducting Banking Agency Business

December 7, 2009

Sony Bank Inc., a wholly-owned subsidiary of Sony Financial Holdings, today announced a tie-up with F&M Co., Ltd. ("F&M") in conducting banking agency business.

From December 7, 2009, as a banking agent for Sony Bank, F&M will begin offering Sony Bank's mortgage loans at three of F&M's staffed counters located in Osaka, Tokyo, and Nagoya. F&M will explain the details of Sony Bank's mortgage loans and to solicit potential customers, as well as to support application procedures.

This tie-up enables Sony Bank to expand its customer base and to strengthen mortgage services by utilizing F&M market network with highly qualified consulting staffs. Going forward, Sony Bank will keep responding to the mortgage needs of more customers by enhancing its sales channels.

About F&M

Company name	F&M Co., Ltd.
Listed market	Hercules at Osaka Securities Exchange
Capital	907.4 million (as of March 31, 2009)
Business lines	Bookkeeping services for sole proprietors, and small companies Consulting service to mainly general affairs for small- and medium-sized companies Voluntary chain operation for tax accountants and certified public accountants

Note: This is an English-language summary of a Japanese announcement made by Sony Bank on December 7, 2009. The summary was prepared by Sony Financial Holdings Inc. solely for the convenience of non-Japanese readers.