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You look at every day as an opportunity. An opportunity to inspire. To inspire growth. Dream new dreams. Strive for more, even at the peak. To inspire a legacy. One that lives on forever with your family. And their future families too. To inspire new passions. Do things you’ve never done. And achieve things you never thought you would want. To inspire the next generation. Sharing with them your inspiring journey and leading them to embark on one of their own. As your partner on this journey, Emirates NBD Private Banking brings you opportunities to inspire.

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Emirates NBD Group at a Glance Emirates NBD is one of the largest financial institutions in the GCC and the flagship bank of Dubai (56% government-owned). It’s comprised of full-fledged and diversified offerings across Retail Banking, Wealth Management, Wholesale Banking & Trade Finance, Islamic as well as Investment Banking. > It has an ever increasing presence in the UAE, GCC and globally: • 157 branches in the UAE, 64 in Egypt as well as branches in KSA, The United Kingdom and Singapore • 4 representative offices in China, India, Iran and Indonesia > The Bank has superior long-term credit ratings • Moody’s Baa1 Positive • Fitch A+ Stable • Capital Intelligence A Positive > Its financial robustness is reflected in key indicators • 31.0% Cost-Income Ratio • 7.1% NPL and 111.5% Coverage Ratio • 18.0% Tier-1 Capital Ratio • 94.2% AD Ratio • AED 50.9 Billion Total Capital

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We Are The Largest Bank In The UAE Operating Income AED Mn, 2015

15,228

10,558

Net Profit AED Mn, 2015

8,262

4,924

5,978

3,556

2,402

234

154

144

150

142

97

110

78

95

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287

206

6,006

5,232

Total Deposits AED Bn, 2015

271

7,123

9,434

6,489

Loans AED Bn, 2015

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... And Among The Top 3 Best In The GCC Operating income USD Bn, 2015

4.6

4.5

Net Profit USD Bn, 2015

Net Loans USD Bn, 2015

3.1

2.4

Total Deposits USD Bn, 2015

109

80

86

1.9

68

78

1.9

58

68

2.8

1.6

58

64

2.4

1.4

4.1

3.7

47

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109

46

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About Emirates NBD Private Banking

Private Banking, the pivotal unit of the Bank’s Wealth Management Division, serves High-Net-Worth & Ultra-High-NetWorth individuals, families and select institutions since 2008 and has grown to be the most trusted and reputable wealth manager in the Middle East. > We offer a comprehensive suite of bespoke investment advisory solutions > Our investment experts identify opportunities for you to grow and preserve your wealth based on deep local & regional expertise combined with a global outlook > These talented experts keep you up-to-date with changing markets and regulations > Our extensive presence in the region also enables you to take advantage of every business opportunity

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A Full Range of Services Red-Carpet Banking Experience

Credit Solutions

Cash management, debit & credit cards, transfers, best-in-class Online & Mobile Banking

Trust & Estate Planning Bespoke structures based on you & your family’s requirements

Lombard lending against cash and investments, real estate & IPO financing as well as tailored structures

Advisory-driven, sustainable Wealth Management solutions Investment strategies across geographies, sectors and asset classes

Asset Management & Brokerage

Access to our Wealth Management sister companies for Discretionary Portfolio Management and local & regional Brokerage

Wholesale Banking

Investment Banking

Access to the Group’s Wholesale Banking and Trade Finance capabilities

Access to the Bank’s Investment Banking teams to assist with Equity & Debt advisory

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A Dedicated and Experienced Team CIO OFFICE with local, regional and global investment specialists

21 HOUR / 6 DAY execution desk: local, regional & international needs

IN DEPTH RESEARCH on regional and global markets through daily, weekly, monthly and quarterly publications

DERIVATIVES TRADING PLATFORM to trade in commodities and currencies

ACTIVE PORTFOLIO ADVISORY MANDATES with strategic & tactical asset allocation, constant review and re-balancing through a dedicated investment advisor

Access to ‘BEST OF BREED’ multi-issuer structured products platform

SINGLE ASSET CLASS EXPERTISE in equities, fixed income, commodities and FX

COMPREHENSIVE mutual funds platform (in partnership with Morningstar)

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A Holistic Approach to Investment Strategy

> A detailed review of your current situation and your future dreams, desires and expectations > Careful screening of the investment universe that fit our investment strategy > Keeping you informed and engaged with your portfolio according to your preferences > Receive regular advice from our Relationship Management team > Invest in single securities, mutual funds and structured solutions > Gain a deep understanding of local and regional markets > Reviews and rebalancing of your portfolio to suit changing market circumstances, your own evolving risk profile, liquidity requirements and our strategic & tactical asset allocation > Continuous monitoring, analysis and reports on your portfolio holdings

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Partner with the Best

Our continued progress in delivering unmached client solutions and excellent customer services has consistently won us global recognition, most recently in Euromoney’s annual Private Banking and Wealth Management Survey, at the Global Private Banking Awards by PWM & The Banker magazines (Financial Times publications) as well as at the Annual Private Banker International Global Wealth Awards. With our growing global network and our innovative Online and Mobile Banking services, the capabilities of your Private Banking service will always be within your reach.   Abu Dhabi - Dubai - London - Riyadh – Singapore

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Opportunities to Invest

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Wealth Management Solutions Research and Ideas

Asset Classes

Daily, weekly, monthly, quarterly and annual commentary and research publications

Supported by 21 hour, world class execution and trading desk

> > > > >

CIO Office Asset class specialists Product specialists 3rd party research Open architecture platform

Client Coverage Relationship managed by experienced professionals across the Bank’s divisions > Core HNW > UHNWI > Family offices > Small/medium institutional clients

A holistic approach to investments Research and Ideas

Asset Classes

Clients

Global Coverage

> Equities > Fixed Income > Commodities > Currencies > Alternative Investments > Derivatives

Global Coverage Thematic > Sector, geographic, trend, insight-based, Shariah as well as Socially Responsible Investments > Systematic smart beta & portable alpha strategies Geographical > GCC > US, Europe, Japan > Asia (ex-Japan) > Emerging markets

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Wealth Management Solutions Portfolio Advisory Process Client Profiling

Portfolio Reporting

> > > > > >

>

Understand the client and create a complete client profile Determine client’s investment objectives and goals Client’s willingness and capacity to take risks Cash flow requirements Investment constraints A comprehensive investment policy document for each client

Generate presentation quality reports on •v Proposed portfolio allocation •v Wealth projections •v Cash flows, Performance and Risk analysis and other analytical data

Formulate Strategic Asset Allocation (SAA)

Portfolio Review and Monitoring

> Determine optimal asset allocation strategies using: •v CIO Office Fundamental views on each asset class on a long term basis •v Asset allocation based on 3 major risk profiles: cautious, moderate, vadventurous •v Tailored asset allocation for bespoke mandates

> > >

Portfolio Construction Process

Tactical Asset Allocation

> For new clients, based on risk profile and SAA, create a proposed portfolio > For existing clients, readjust the portfolio to reflect the gaps b  etween the current asset allocation and the target asset allocation > The portfolio construction/adjustment implemented is through a s election of recommended securities/funds/structured products > Portfolio is tested to ensure guidelines adherence

> With a periodic follow up and on proactive basis, the CIO team will advice the following based on Tactical Investment Committee view •v Overweight/Underweight Asset Classes/Sub-Asset Classes to adjust v the portfolio in view of short/medium term expectations •v Implement new trading ideas (within approved client guidelines)

Conduct an exhaustive analysis of a client’s current portfolio at the •v Asset Class Level •v Security/Product Level Identify Portfolio Gaps Proactively monitor portfolios for adherence to investment policies, Risk guidelines and client suitability requirements

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Wealth Management Solutions Asset Allocation Process Client Profile Investment Objective/Risk Profile

Strategic Asset Allocation Long Term Cautious/Moderate/Adventurous Tactical Asset Allocation Short Term Global

Multi-Asset Class

Review Current Portfolio & Identify Portfolio Gaps (for existing clients)

Single Asset Class Portfolio Construction

GCC

Cash/Cash Equivalent

Equities

Comprehensive Portfolio Reporting

Fixed Income/ Sukuk

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Alternative Investments

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Wealth Management Solutions Fund Selection Process

Screening of relevant fund houses/funds

Due diligence of fund manager

Manager interviews

Multiple quantitative analysis

Relevant Fund Universe

Approval process

Fund recommendation

> Internal Approval > ESCA Approval (UAE) > FCA (UK) > CMA (KSA) > MAS (SING)

> Emirates NBD offers a true open architecture platform expressed via the Emirates NBD Funds Focus List > The Emirates NBD Funds Focus List encompasses a diverse range of “Best of Breed” funds, across all major asset classes, specially selected based on performance and qualitative criteria. > The Emirates NBD Funds Focus List has been established using a rigorous due diligence process utilizing our in-house analysis combined with external 3rd party research capabilities of “Morningstar”, a worldwide leading provider of independent investment research. > Through selection of funds based on Qualitative and Quantitative screening methodologies we aim to optimize performance > Morningstar Qualitative Screen > Funds are evaluated based on five key pillars - process, performance, people, parent and price with the aim of identifying those best positioned to outperform over the long term on a riskadjusted basis. > Morningstar Quantitative Screen > The Morningstar rating brings load-adjustments, performance (returns) and risk together into one evaluation. Funds are given a score of 1 Star (Lowest) to 5 Stars (Highest). > The Emirates NBD Platform enables direct client access to a comprehensive online resource powered by Morningstar, to ensure complete transparency and timelessness of performance reporting.

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Wealth Management Solutions Foreign Exchange and Derivatives Tactical Short Term FX Trade Ideas > Benefit from FX market volatility > Short term views and trades ideas on Major/EM currency pairs and Electronic Gold with entry/exit levels > Potential appreciation of cash/deposit amount > Portfolio currency diversification > Access to Emirates NBD’s Research and FX Forecasts Dual Currency Investments (DCIs) > Potential higher return on liquid cash than short term cash investments/deposits > Portfolio diversification by gaining exposure to the foreign exchange market > Tailor your investment to suit your view, expectation and requirements > Select from a wide variety of currency pairs, strike rates and tenors > Access to Emirates NBD’s Research and FX Forecasts

Hedging Solutions > Wide variety of currency pairs to choose from - Majors & crosses, EM, GCC currencies and Electronic Gold > Spots & Forwards > Buying & selling vanilla and exotic options > Zero cost options – accumulators/de-cummulators > TARFs > NDFs Derivatives Trading System > Listed futures - Rates, Commodities, Indexes > FX Spot > FX Forwards/Non-deliverable forwards (NDF) > OTC options - Currencies & Commodities > Contract Options > Exchanges that we have access to - GLOBEX & EUREX (LIVE)

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Wealth Management Solutions Structured Notes Multi-Issuer Platform Our distribution partnership with Tradition Financial Services (TFS) gives us a strong competitive advantage in terms of: > The choice and quality of Structured Products we offer > The level, quality and timeliness of post sales servicing we provide By combining our in-house market convictions with TFS structuring capability and reach we are ideally positioned to generate significant value for clients. London based TFS is 100% owned by the Tradition Group, one of the world’s largest interbank brokers. The TFS platform enables access to conventional and Shariah compliant product issued by the following 14 international banks, with booking capability through all Emirates NBD centers. Objective This partnership is to enhance the overall client experience at all stages of the product life cycle: > Product design and payoff optimization and pricing > Preparation of marketing material and term sheets > Independent product risk rating service > Execution via a competitive bid process from a panel of 14 international banks > Comprehensive after sales support through product monitoring, reporting, valuations and performance reports

List of issuers Bank of America (A-/Baa1, S&P/Moody’s respectively) BNP Paribas (A+/A1, S&P/Moody’s respectively) Citigroup (A-/Baa1, S&P/Moody’s respectively) Credit Agricole (A/A2, S&P/Moody’s respectively) Credit Suisse (A-/Aa3, S&P/Moody’s respectively) Deutsche Bank (BBB+/A3, S&P/Moody’s respectively) HSBC Bank Plc (AA-/Aa2, S&P/Moody’s respectively) JP Morgan (A+/Aa2, S&P/Moody’s respectively) Morgan Stanley (A-/Baa3, S&P/Moody’s respectively) Natixis (A/A2, S&P/Moody’s respectively) Nomura (A-/-, S&P/Moody’s respectively) Royal Bank of Canada (AA-/Aa3, S&P/Moody’s respectively) Societe Generale (A/A2, S&P/Moody’s respectively) UBS (A/A2, S&P/Moody’s respectively)

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A Dedicated Desk for Independent Asset Managers (IAM)

Client

IAM

Emirates NBD IAM Desk Wealth Management Private Asset Banking Management Brokerage

Back Office

Wholesale & Investment Banking

One point of contact > Specialized and experienced team handling Independent Asset Managers, Family Offices and Institutional Investors Fully Integrated Trading Platform > Direct access to 21 hours x 6 days execution desk > Capability to trade all local, regional and international markets Added services > Choice of booking platforms - Dubai, Singapore and London > Consolidation and reporting > Flexible pricing and retrocession models

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