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Environmental Protection Activities

The Sony Financial Group recognizes that humankind faces a critical challenge in protecting the global environment. The major subsidiaries have each established environmental policies, and through everyday business activities, they carry out initiatives that give due consideration to environmental protection.

Group Company Activities

Use of Green Power

Green Power Certification

Sony Life became the first Japanese life insurance company to introduce a Green Power Certification System, which enables companies to use green power in their business activities and thus reduce CO2 emissions. Sony Assurance and Sony Bank adopt the J-Credit Scheme* to help reduce CO2 emissions. Sony Bank offsets 100% of CO2 emissions caused by its power usage (excluding the portion of power usage in outsourced operations) as a "Carbon Offset Bank."
In this way, each Group company contributes to the wider use of natural sources of power, such as solar and wind power, geothermal power, and biomass. In fiscal 2016, the entire Group purchased green power certificates and J-Credits equivalent to 1,650 MWh.

* The J-Credit Scheme is a system whereby the government certifies credits for the reduction or absorption of greenhouse gas emissions such as CO2 through measures including the introduction of energy-saving equipment or forest management.

Acquisition of ISO 14001 Certification

Sony Life, Sony Assurance and Sony Bank* have acquired ISO 14001 certification, the international standard for environmental management systems. All three companies promote energy-saving and natural resource-saving activities such as targets for reduced energy and photocopier paper usage, and green procurement to raise the percentage of eco-products used in office supplies.

* ISO 14001 certification covers the head offices of Sony Life and Sony Assurance, along with Sony Bank's head office and the Housing Loan Plaza. The Sony Financial Group conducts regular internal environmental audits of ISO 14001-certified offices, and the audit results are reported to top management.

Conservation Activities in Together with Customers

Donating to the Sorabear Foundation

Ceremony for the donation of Sorabear power generation equipment to Kitade Welfare Organization<br>NawateSumire Pre-school in Osaka, in March 2017
Ceremony for the donation of Sorabear power
generation equipment to Kitade Welfare Organization
NawateSumire Pre-school in Osaka, in March 2017

Automobile insurance, one of Sony Assurance's mainstay products, supports the automotive lifestyles of its customers. While automobiles add affluence and convenience to our lives, exhaust gases emitted while driving are a cause of global warming. For this reason, Sony Assurance considers promoting initiatives to prevent global warming, even a little, is its social responsibility. Teaming up with the Sorabear Foundation, a non-profit organization that promotes the spread of renewable energies and environmental education, Sony Assurance has carried out a program to install solar power generators at kindergartens since 2009.
Donations to the Sorabear Foundation are used to provide Sorabear power generation equipment —solar power generators— to kindergartens and nursery schools around the country. In fiscal 2016, the program contributed two solar power generators to a kindergarten and nursery school in Chiba and Osaka prefectures. To date, Sony Assurance has donated a total of 20 solar power generators through this program (as of July 1, 2017).
In addition, Sony Life began offering policy guidelines and agreements on CD-ROM for policies dated March 2, 2016 or later. Sony Life donates ¥10 for every policyholder who choose a CD-ROM instead of paper documents when they sign up for insurance, and donates to proceeds to the Sorabear foundation. To date, Sony Life has donated a total of 7 solar generators through this program (as of July 1, 2017).

Reducing CO2 Emissions by Switching to Paperless Contract Procedures and Electronic Issuance of Documents for Customers

The Sony Financial Group has been striving to conserve paper resources and cut down on CO2 emissions related to postal mailings by shifting to paperless documentation for certain contract procedures and transactions.
Sony Life has adopted paperless application procedures for life insurance policies by equipping its sales force with approximately 5,000 tablet devices as part of its sales support system. As a result, Sony Life has reduced use of copier paper by around five million sheets annually.
In addition, Sony Bank asks its customers to switch to electronic delivery of investment trust transactional documents.
Sony Assurance has made it possible to apply for automobile insurance policies online, thereby avoiding the printing and mailing of insurance application forms and other documents. Also of note, Sony Assurance takes an environmentally conscious approach to resources, exemplied by a paperless insurance certificate discount of ¥500 on automobile insurance premiums when customers who buy a policy online opt not to have certificates of insurance and other documents printed and mailed.