ABN AMRO Private Banking - A Profile

Dear Sir/Madam,

In the challenging times of change we live in now, ABN AMRO Private Banking has actually emerged as a stronger private bank. It is my pleasure to present to you a profile of our private bank as it stands now.

On 17 October 2007, ABN AMRO Holding NV (‘ABN AMRO”) was acquired by a consortium of banks through RFS Holdings (‘RFS’). This consortium consisted of the Royal Bank of Scotland, Fortis Bank and Banco Santander. On 3 October 2008, the Dutch government acquired Fortis’ stake in RFS and became the owner of ABN AMRO Netherlands, the International Diamond & Jewelry Group and ABN AMRO Private Banking, which includes ABN AMRO Private Banking Asia.

While we prepare for separation from the consortium to become a stand alone private bank, ABN AMRO continues to operate as a separately capitalised and regulated entity under the supervision of the Dutch central bank. ABN AMRO is also managed independently by a separate Supervisory and Managing Board.

Our fundamentals remain strong, with a Tier 1 capital ratio and total capital ratio of 10.9% and 14.4% respectively, as at 31 December 2008. We also enjoy good credit ratings, with Aa2 by Moody’s, A+ by S&P, and AA- by Fitch as at 31 March 2009. ABN AMRO Private Banking’s infrastructure in Asia and the Middle East consists of a network of 8 offices staffed by over 500 employees across the region. To address your needs, we have a range of products and services which may be customised to meet your financial goals. We have teams of dedicated professionals, from private bankers and investment advisors to product specialists and research analysts, always ready to serve you.

If you are already our client, then you will be familiar with our continued commitment to provide you with the best possible professional service. If you are new to ABN AMRO Private Banking Asia, I hope that this will be the start of a long and fulfilling relationship where we hope to address your needs, both personal and business. For further details, I invite you to turn the page and enter our world.

Warmest regards,

Barend JanssensHead of ABN AMRO Private Banking Asia

ABN AMRO Private Banking - A Profile 01

At ABN AMRO Private Banking Asia, our entrepreneurial origins stem from centuries of trade in the region dating

back to 1824. Today, we continue to draw on our global reach and local relationships to manage our clients’ wealth.

Our international network comprises some of Europe's oldest and most-prestigious private banks, including

Neuflize OBC (France), with roots that can be traced to 1667, and Delbrueck Bethmann Maffei (Germany), with a

history beginning in 1712. Following our acquisition by the Dutch state in 2008, we now enter into a new chapter

of our history as a stronger private bank offering clients leading financial expertise anywhere in the world.

Our business continues to stand firmly on solid ground with a renewed focus to cater primarily to High Net

Worth and Ultra High Net Worth individuals like you. Our strength as an international private bank lies in the

following areas:

Global footprint spanning 12 countries with 65 branches and offices and over 3,000 full time employees

Sizeable establishment encompassing over 100,000 clients and EUR 102 billion in assets under management 1

Tier 1 capital ratio of 10.9% and total capital ratio of 14.4% 1

Strong credit ratings, with Aa2 by Moody’s, A+ by S&P, and AA- by Fitch 2

Network of experienced professionals including research analysts, economists, portfolio managers, estate

planning experts and product specialists

Dedicated client service teams for each client consisting of private bankers, investment advisors and

assistant private bankers

Open architecture model providing our clients with access to the best possible products regardless of

location and provider

Welcome to ABN AMRO Private Banking

02 ABN AMRO Private Banking - A Profile


Wealth Creation

As your responsibilities and challenges increase, it may

be more difficult to find the time to enhance your wealth

especially if your assets have augmented in size and

complexity. By taking the time to understand your risk

appetite and time horizon, our Private Bankers can help

you in allocating your assets effectively to capitalize on

investment opportunities.

Wealth Preservation

Whether you are building a nest egg for your children,

planning for retirement, or simply trying to buffer the

eroding effect of inflation, wealth preservation plays

a critical part in building your portfolio of assets. By

putting the necessary framework in place, we can

assist you in safeguarding your wealth, enabling you to

ultimately enjoy the fruits of your labour.

Your Wealth and Well-being are our Main Concern

Wealth Transfer

Whether you would like to direct your assets to your heirs

or to a philanthropic cause, it is important to ensure that

your legacy is transferred in an effective way. At ABN

AMRO Private Banking, our Estate Planners can provide

advice and structure a well-thought out approach that

can meet your objectives for succession planning.

We are committed to forging long term, mutually beneficial relationships with our clients based on personal attention,

trust and confidentiality. We endeavour to make more possible for you and your loved ones by understanding and

clarifying your individual situation, financial needs, investment objectives and personal wishes. By appreciating the

broader, personal factors in your life, our advice and guidance are customized to help fulfill your unique needs, be

it wealth creation, preservation or transfer.


Our Private Bankers are your personal point of contact who will discuss your specific circumstances and needs

closely before suggesting financial solutions. In addition, you will be supported by an Investment Advisor and a

group of regional Product Specialists with expertise in their respective fields. This dedicated client service team

will uphold our relationship with you based on stringent standards of confidentiality and a high degree of personal

assistance that you deserve.

A Dedicated Client Service Team

International Estate Planning

Our International Estate Planning (IEP) services help you

protect and transfer your wealth to future generations

efficiently, whether your business interests and

investments are situated locally or in various countries.

Our specialists’ application of the best methods and

correct timing to transfer wealth will translate into an

optimal estate planning structure. These solutions will

be according to your preferences and will enable you

to preserve your legacy for your beneficiaries, ranging

from your loved ones to the community at large.

Research and Investment Advisory

While maintaining full control over your portfolio, take

advantage of our Research and Investment Advisory

groups that form a global network of experienced

professionals with local in-depth knowledge. Through

consultation with these experts, you can gain access to

a wealth of knowledge, ideas and perspectives across

asset classes to help you make an informed decision on

your investments.

Discretionary Portfolio Management

Enjoy the benefit of having a dedicated and experienced

investment professional construct and constantly

manage your portfolio providing you with peace of

mind and enabling you to concentrate on other areas

of life that matter to you most. Our Discretionary

Portfolio Management (DPM) service will support

you in developing a tailored portfolio by taking into

consideration your unique needs, circumstances and

investment profile. Your Portfolio Manager will then

monitor and actively take tactical steps to rebalance

your portfolio according to dynamic market conditions

and as your needs change through different life stages.


Investment Funds

Investment funds pool assets from different parties

which allow an individual investor to benefit from the

scale of assets allowing for a broad spread across

assets, sectors and regions, thereby diversifying risk. In

addition, you can avail of the expertise of an international

team of fund managers and analysts.

Treasury Products

The Foreign Exchange (FX) solutions that we provide

present various alternatives for cash flow management,

yield enhancement and hedging. Furthermore, you can

reduce risk by hedging your bond and equity positions

so that currency risk does not erode the overall return

of the investment. Our professional treasury advisors

offer a broad spectrum of foreign exchange solutions

ranging from simple FX spot or forward transactions to

a wide variety of more complex derivatives.

Alternative Investments

Alternative investments are investment vehicles with

absolute returns that are normally less correlated to the

market than traditional asset classes. The underlying

approach of this asset class is different from traditional

asset classes such as bonds and shares. These

types of assets may include hedge funds, real estate,

venture capital or private equity. Generally, alternative

investments focus on sophisticated investment

strategies and may use derivatives, leverage or

short positions. These instruments can be used to

complement your investment portfolio. However, the

factors to consider when engaging in these investments

include cost, different risk characteristics and less

liquidity than traditional assets.

Our Products In addition to conventional investments in stocks and bonds, ABN AMRO Private Banking can offer a wide range

of investment products given our open architecture model of sourcing products in-house or externally to best suit

our clients’ needs.

Structured Products

Structured products are hybrid securities containing

debt components and embedded derivatives. These

investments are customized based on investors’

preferences for certain asset classes, their specific risk

profiles, return requirements, and market expectations.

It is important to note that in addition to an exposure to

the underlying asset, there is also an exposure to the

credit or default risk of the issuer (or guarantor where

applicable).

Credit Facilities

However strong your financial position, there may still

be times when you need extra funds to capitalize on

an opportunity or to prevent any imbalances in your

portfolio. Our collateral-based credit facilities are a

financing alternative which provides you with liquidity

without impacting your investment goals or depleting

your cash reserves. We can help with a wide range of

credit products, from mortgages and investment loans,

to those facilitating exchange transactions or for the

purchase of precious metals. In addition, we can tailor

credit solutions to suit your financing needs.3

Investment ideas at the tip of your fingersAll of us struggle to rationalise the mass of data thrown to us by an information-based global economy.

The challenge is to filter out the unnecessary and concentrate on reliable signals that provide both perspectives and a secure basis for your investment decisions.

ABN AMRO Private Banking’s Investment Advisory Service delivers you pre-filtered information and discerning market analysis drawn from specialist expertise in every financial discipline and local market knowledge across more than 60 countries and every major financial center in the world.

As our client, you have access to an assortment of information tools such as the Quarterly Outlook publication, the Global Weekly, sector and company updates, investment opportunities, and much more. All this knowledge is centrally coordinated to provide a comprehensive global overview of business sectors and specific securities.

Investment Proposal suited to your circumstances and objectivesIf you prefer to plan your own investment strategy, our Investment Advisory team can provide detailed recommendations that suit your investment profile to diversify your risk and capitalise on the best available investment opportunities.

The Investment Advisory process essentially comprises of four clear steps:

1. Investment Profile: Based on your needs and objectives, your Private Banker establishes your investment profile.

2. Investment Proposal: Your Private Banker develops a proposal based on your profile and recommendations from our Research and Investment Advisory teams.

3. Client Approval: Once you have approved this recommendation, the detailed execution of your investment plan can follow.

4. Review Financial Plan: Once implemented, your investment portfolio will be regularly reviewed with you by your Private Banker.

We also offer a one-stop shop for execution, settlement and custody services. Once you have decided on an investment, your Private Banker can deliver and customize it through our dealing facilities.

At ABN AMRO Private Banking, we are aware that your personal circumstances and financial priorities are likely to change over time. To ensure that your portfolio delivers on your requirements, your Private Banker works closely with our Investment Advisors to constantly monitor and review your investment plan against any changes in your lifestyle and objectives. Together, they provide active guidance on your portfolio mix, asset allocation and individual holdings.

It is this combination of profound knowledge of the financial world together with a genuine understanding of your personal goals and financial objectives that lies at the heart of what the Investment Advisory Service can offer.

Please contact a Private Banker or visit us at www.abnamroprivatebanking.com for more details on our Investment Advisory services.

Investment Advisory

The benefits you enjoy with ABN AMRO Discretionary Portfolio Management

Markets fluctuate constantly, requiring time for constant monitoring as well as expertise in analysing the ever changing investment landscape. Discretionary Portfolio Management (DPM) is the attractive solution should you wish to make your capital work for you but choose not to manage your investments yourself. With knowledgeable and experienced professionals in our DPM team reviewing and actively managing your assets on your behalf, you will have more time to enjoy life’s precious moments with your family and the peace of mind that your portfolio is in good hands.

Tailoring your portfolio to suit your needsShould you decide to have all or part of your investments managed through DPM, your personal circumstances and investment objectives will clearly take centre stage. Our starting point is to determine your risk profile with you according to your investment goals, life circumstances, financial reserves, risk appetite, and experience as an investor. Through close consultation with your Private Banker, determining these aspects of your profile will serve as the basis for customizing your investment portfolio.

To ensure you are up to date with your investments, you will receive a detailed portfolio report every month or may choose to view your statements online. Furthermore, you will meet regularly with your portfolio manager and/or Private Banker to review the composition of your portfolio, the performance of your investments and the applied investment strategy.

A brief description of the variety of investment mandates available to suit your unique needs:

The Customised Mandate Exclusively for ABN AMRO Private Clients, the Customized Mandate leverages the expertise of a small group of portfolio managers with a stellar track record against industry benchmarks. The flexible approach to portfolio management attempts to achieve positive long term performance regardless of market fluctuations.

The Dynamic Asset Allocation Mandate *The uniqueness of the Dynamic Asset Allocation Mandate lies in the flexibility of distribution across and within asset classes. The DAAM invests in passive, index linked instruments and attempts to add value by capturing short term market movements through Market Timing Strategy Certificates without changing the long term asset allocation. Hence, the positions in equities and bonds can vary between 0% and 90% of the total portfolio. This allows you to make the most of market opportunities and benefit in a significant way from ABN AMRO’s investment outlook. The Absolute Return MandateThe Absolute Return Mandate aims to manage your assets by minimising losses without sacrificing the potential upside of your portfolio. This objective is achieved by participating in positive markets while providing protection in a negative market environment.

The Multi-Manager MandateThe Multi-Manager Mandate invests in equities and bonds through the mutual funds of other reputed fund managers around the world. The selection of the fund is driven by the quality of the fund manager and investment style of the fund.

Tailor-made MandateIf you have specific investment objectives, our portfolio managers will be available to develop mandates to seamlessly suit your needs, whatever they may be.

Please contact one of our Private Bankers or visit us at www.abnamroprivatebanking.com for more details on our Discretionary Portfolio Management services.

* Kindly note that the Dynamic Asset Allocation Mandate may not be currently available in all locations in Asia and the Middle East.

Discretionary Portfolio Management

Ensuring Your Legacy is Preserved and Transferred OptimallyWith our hectic daily lives, it is often easy to leave thoughts about the future at the back of our minds. Yet, when one has a chance to reflect, most of us conclude that nothing is more important.

At ABN AMRO Private Banking, we help you review and safeguard your assets so that you can transfer as much wealth as possible to your valued beneficiaries according to your wishes. To create the right plan, what is required is a thorough understanding of your objectives, financial needs and family circumstances, coupled with the ability to anticipate obstacles and surprises. Our Estate Planning team can offer such personalized service and in-depth experience in proposing the right plan for you whether you wish to convey your inheritance to your loved ones or a particular philanthropic cause. A well-executed estate plan will ensure that your assets are safeguarded effectively and can translate into a secure future for your loved ones and the future generations.

Furthermore, many of our clients have business interests, residences and other investments or relatives in more than one country. It takes a higher degree of preparation and expertise to ensure that your estate is designed with these complexities in mind. For those individuals, it is especially important to work with an international wealth management institution like ABN AMRO Private Banking that can provide a worldwide network of experts in managing your global assets effectively.

Tools to Realize your Wealth Transfer ObjectivesOur Estate Planning service offers a range of tools customized with your personal situation, wishes and ambitions in mind:

A WillIf one passes away without having made a will, the estate will be transferred in most countries according to the intestacy rules, which could be applied in a manner not in accordance with one’s wishes. Delays and high costs may also result from this. A properly executed will can

International Estate Planning

help ensure a smooth and efficient transfer of assets to the designated beneficiaries.

Private Investment CompanyA Private Investment Company (PIC) is an offshore company often used to hold personal assets for purposes of ensuring confidentiality and consolidation of assets for easy transfer to successive generations. This is commonly regarded as the most simple and cost efficient alterative way to shelter the assets from holding in individual name.

TrustA trust is a private arrangement where one person (the “Settlor”) transfers assets into the legal ownership of another person (the “Trustee”), who manages those assets for the benefit of third parties (the “Beneficiaries”). The Settlor and Trustee agree and outline how the assets should be held and managed in a “Trust Deed”. This arrangement facilitates the smooth and efficient transfer of assets to the beneficiaries in a manner prescribed by the Settlor. A trust, as a comprehensive succession plan, also provides for greater confidentiality and flexibility while being tailored to meet your specific needs.

Life InsuranceA Life Insurance policy provides an effective succession planning tool and option. It can ensure the beneficiaries’ inheritance is protected from life’s uncertainties and more importantly provide them with immediate access to liquidity. It is a simple and flexible tool that provides for protection, liquidity and confidentiality. At ABN AMRO Private Banking, we can refer you to the appropriate life insurance specialist according to your requirements.

FoundationsA Foundation is a separate legal entity into which you can transfer money for a specific purpose. The Foundation becomes the legal owner of the assets, which are managed by the Foundation Board. As a founder, you decide the Foundation’s purpose and its designated beneficiaries.

Please contact a Private Banker or visit us at www.abnamroprivatebanking.com for more details on our Estate Planning services.

Contact UsPlease feel free to approach one of our Private Bankers to inquire about the availability of our products and

services and to address your wealth management needs overall. You can also find your local office at

www.abnamroprivatebanking.com and read more about our products and services that may be personally relevant

to you.

1 ABN AMRO Bank N.V. as of 31 December 2008, ABN AMRO N.V. Annual Report 20082 ABN AMRO Bank N.V. as of 31 March 20093 These credit facilities are available upon acceptance of your application. You must satisfy all applicable conditions precedent and sign any

additional documentation prescribed by ABN AMRO Private Banking.

Asia & The Middle East

China

ABN AMRO Bank N.V.

25th Floor, Azia Centre

1233 Lujiazui Ring Road

Pudong New Area

Shanghai 200120

P.R. China

Tel: +8621 2893 9600

Fax: +8621 5047 1063

Hong Kong

ABN AMRO Bank N.V.

37th Floor, Cheung Kong Centre

2 Queen’s Road Central

Hong Kong

Tel: +852 3763 3700

Fax: +852 3763 3709

Singapore

ABN AMRO Bank N.V.

One Raffles Quay

South Tower, Level 25

Singapore 048583

Tel: +65 6597 8866

Fax: +65 6597 8822

Taiwan

TaipeiABN AMRO Bank N.V.

Room B, 12th Floor,

7 Sung Jen Road

Taipei 110

Taiwan, R.O.C.

Tel: +886 2 8722 5388

Fax: +886 2 8722 5089

Private Banking Offices Worldwide

KaohsiungRoom A1, 14th Floor

No. 6, Su Wei 3rd Road,

Liang Ya District

Kaohsiung 802

Taiwan, R.O.C.

Tel: +886 7 337 7707

Fax: +886 7 535 7006

TaichungNo. 185, 24th Floor

Sec 1 Taichung Harbor Road

Taichung 403

Taiwan, R.O.C.

Tel: +886 4 2324 1380

Fax: +886 4 2323 5230

United Arab Emirates

Abu DhabiABN AMRO Bank N.V.

Salam Street, P.O. Box 2720

Abu Dhabi, U.A.E.

Tel: +971 2 671 3040

Fax: +971 2 696 3040

DubaiKhalid Bin Waleed Road,

P.O. Box 2567

Dubai, U.A.E.

Tel: +971 4 351 8480

Fax: +971 4 351 8441

Europe

Netherlands

ABN AMRO Private Banking

Jachthavenweg 112

1081 KJ Amsterdam-Buitenveldert

The Netherlands

France

Neuflize OBC

3 Avenue Hoche, 75008 Paris

France

Germany

Delbrück Bethmann Maffei AG

Bethmannstrasse 7-9

D-60311 Frankfurt am Main

Germany

Luxembourg


46 Avenue JF Kennedy

L-1855 Luxembourg-Kirchberg

Luxembourg

Switzerland


Beethovenstrasse 33

8022 Zurich

Switzerland

European Growth Markets

(Belgium, Jersey, Spain)


Roderveldlaan 5, bus 4

2600 Antwerpen-Berchem

Belgium

© 2009 ABN AMRO Bank N.V. Disclaimer Please note that the above is published for information and general circulation purposes only and does not constitute nor purport to constitute any form of advice, recommendation or offer to sell or issue, or invitation to offer, or solicitation, to buy, invest in or subscribe for any product or service, and any representation or warranty in respect of any product or service. The above does not take into account the specific investment objectives, financial situation or particular needs of any particular person. The products and services mentioned above may not be suitable for all investors and a person receiving or reading the information set out above should seek advice from a financial adviser regarding the suitability of such products and services, taking into account the specific investment objectives, financial situation or particular needs of such person, before making a commitment to purchase or subscribe for any of such products and services. While the information set out above is based on sources believed to be reliable, ABN AMRO Bank N.V. (together with its directors and employees) makes no representations or warranties expressed or implied as to the accuracy, completeness or timeliness of any of such information, and ABN AMRO accepts no liability for any loss whatsoever, direct or indirect, arising from the use of such information. Past performance is not indicative of future results. Products and services are available only in those jurisdictions where they may be legally offered. Charges may be made to products and services at any time without prior notice to you.

US Securities Law

ABN AMRO Bank N.V. is not a registered broker-dealer under the U.S. Securities Exchange Act of 1934, as amended (the “1934 Act”) and under applicable state laws in the United States. In addition, ABN AMRO Bank N.V. is not a registered investment adviser under the U.S. Investment Advisers Act of 1940, as amended (the “Advisers Act” and together with the 1934 Act, the “Acts”), and under applicable state laws in the United States. Accordingly, absent specific exemption under the Acts, any brokerage and investment advisory services provided by ABN AMRO Bank N.V., including (without limitation) the products and services described herein and not intended for U.S. persons. Neither this document, nor any copy thereof may be sent to or taken to the United States or distributed in the United States or to a US person.

ABN AMRO Private Banking - A Profile

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