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0001193805-10-002584 Sample Contracts

DEPOSIT AGREEMENT
Deposit Agreement • October 20th, 2010 • Citibank,N.A./ADR • Commercial banks, nec • New York

DEPOSIT AGREEMENT, dated as of November 1, 2010, by and among (i) SUMITOMO MITSUI FINANCIAL GROUP, INC., a joint stock corporation with limited liability (Kabushiki Kaisha) incorporated under the Company Act of Japan, and its successors (the “Company”), (ii) CITIBANK, N.A., a national banking association organized under the laws of the United States of America acting in its capacity as depositary, and any successor depositary hereunder (the “Depositary”), and (iii) all Holders and Beneficial Owners of American Depositary Shares issued hereunder (all such capitalized terms as hereinafter defined).