DBS Treasures Private Client a Unit of DBS Bank Limited

DBS Treasures Private Client A unit of DBS Bank Limited

DBS-344-T11 TPC Sales Kit r9.indd 1 4/25/12 9:20 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 2 4/25/12 9:20 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Date: Job No: Client: Media: Colour: Insertion Date: AD: GH/CD/ACD: Product / Prices 17/04/12 DBS/344/T11 DBS Print A4 4C - Aaron Francis Grid / Logos usage Time: Size: Studio Artist: Head Of Studio: CW: AS: Terms & Conditions 1530 W297xH210mm (Open) Meng Hong Jessica Cozette Eunice Cheng Promo • Established in 1968 as the Development Bank of Singapore to help fuel Singapore’s industrialisation efforts • Origins dating back to 1877, with the establishment of the Post Office Savings Bank • Instrumental in the growth and development of Singapore from a pre-industrial nation to a global financial powerhouse and business hub • A component stock of the Straits Times Index • 28% owned by the Government of Singapore through Temasek Holdings • Ranked “AA-” by Standard & Poor’s and “Aa1” by Moody’s • Headquartered and founded in Singapore – a true Singapore Private Bank

DBS TREASURES PRIVATE CLIENT PAGE . 3

DBS-344-T11 TPC Sales Kit r9.indd 3 4/25/12 9:20 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 4 4/25/12 9:20 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

United States Korea Japan

China Dubai Taiwan HONG KONG India Thailand Vietnam The Philippines Malaysia SINGAPORE

Indonesia

Present in 50 cities and 15 markets Over 200 branches and 2,000 self-service bank machines More than 17,000 staff Representing over 30 nationalities

DBS TREASURES PRIVATE CLIENT PAGE . 5

DBS-344-T11 TPC Sales Kit r9.indd 5 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 6 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

• 81 branches; 1,500 self-service machines Leading Bank in Asia • Over 4 million customers • A gateway to Greater China • Market leader in deposits, corporate loans, mortgages, –– 18 branches and sub-branches in Mainland China credit cards, auto loans, Singapore-listed equity and –– 40 branches in Taiwan SGD bond issuances • Growing branch network in India –– 12 branches in major cities across India, the largest network for a Singapore bank • Substantial presence in Indonesia –– 3rd largest foreign bank in wealth management –– 40 branches and sub-branches across 11 cities Leading Bank in Hong Kong • Total assets: HKD279.1 billion as at 31 Dec 2011 Other partners: • 56 branches, 71 self-service machines • Hwang DBS Investment Bank in Malaysia –– Partner with 27.7% stake • Over 1 million customers • The Islamic Bank of Asia • Well-established SME franchise –– First Islamic Bank in Singapore –– Partnership between DBS and prominent investors in Gulf Cooperation Council countries • Changsheng Fund Management in China –– Joint venture with 33% stake • Nikko Asset Management in Japan –– 7.25% stake in one of Asia’s largest fund managers

DBS TREASURES PRIVATE CLIENT PAGE . 7

DBS-344-T11 TPC Sales Kit r9.indd 7 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 8 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Moody’s S & P DBS Bank Aa1 AA– Strong Capital Base with Oversea-Chinese Banking Aa1 AA- Capital Adequacy Ratios (CAR), Corporation well exceeding Current United Overseas Bank Limited Aa1 AA- Regulatory Requirements:

HSBC Holdings plc Aa2 A+ DBS (as at 31 Dec 2011) Credit Suisse Group AG Aa2 A Core Tier 1 CAR 11.0% Deutsche Bank AG Aa3 A+

UBS AG Aa3 A Tier 1 CAR 12.9% Current minimum: 6% Société Générale A1 A

Goldman Sachs Group, Inc. (The) A1 A– Total CAR 15.8% Standard Chartered PLC A2 A+ Current minimum: 10% Morgan Stanley A2 A–

Citigroup Inc. A3 A–

Source: Bloomberg as at 9 April 2012

DBS TREASURES PRIVATE CLIENT PAGE . 9

DBS-344-T11 TPC Sales Kit r9.indd 9 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 10 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

• Best Bank in Singapore Global Finance (2012) • Best Investment Bank in Singapore FinanceAsia (2005 – 2011) and Euromoney (2011) DBS Bank Accolades • Best Equity House in Singapore Asiamoney (2001 – 2011), Alpha Southeast Asia (2007 – 2011) and FinanceAsia (2011) • Safest Bank in Asia Global Finance (2009 – 2012) • Best Bond House in Singapore FinanceAsia Country Awards for Achievements (2009 – 2011) • 5th Safest Bank in the World • Best Broker in Southeast Asia Bloomberg Markets (2011) Alpha Southeast Asia (2011) • Best Broker in Singapore FinanceAsia (2005 – 2011) • Best Asian Bank FinanceAsia (2009) • Best Domestic Provider of FX Services in Singapore as voted by large corporates Asiamoney (2011) • Regional House of the Year Asia Risk Awards (2010) • Singapore Retail Bank of the Year Asian Banking and Finance Retail Banking Awards (2011)

DBS TREASURES PRIVATE CLIENT PAGE . 11

DBS-344-T11 TPC Sales Kit r9.indd 11 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 12 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Asian Research Expertise Asian Products & Deal Flow • Chief Investment Office brings you the best from DBS Group Research and Treasury & Markets Teams • First to market offshore Renminbi (CNH) products • Award-winning equity research from DBS Vickers • Advisor and/or underwriter to many equity and –– 65 analysts covering 525 stocks in Asia ex Japan debt issues in Asia –– Won Best Research Coverage for Transportation and • Access to unique thematic/specialty funds to Small Caps in the 2011 Asiamoney Brokers Poll and capitalise on growth of the region received 7 awards in the 2010 Financial Times StarMine Analyst Awards, including #1 Stock Picker for Retail & • Access to strong Asian partners Consumer Products, Technology, Industrials, Real Estate, Resources & Infrastructure

Trust & Integrity

Asian Capital Markets & Capability Asia-centric Asset Allocation • Strong equity and debt capital markets deal flow • Strategic and tactical asset allocation models with • Market leader in SGX equity listings and an Asian bias SGD-denominated bonds • Unique access to assets from the fastest growing • Unique access to pre-IPO opportunities region in the world • Wealth creation through unlocking your corporate value

We are committed to delivering unique and best-in-class total financial solutions to meet our clients’ complex needs. Personal, yet professional.

DBS TREASURES PRIVATE CLIENT PAGE . 13

DBS-344-T11 TPC Sales Kit r9.indd 13 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 14 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Enjoy more perks and privileges at DBS Bank’s extensive branch network

Personal Banking

Access to detailed insights Bridging your business on a daily, weekly, monthly Corporate research banking and personal needs and quarterly basis

The Client

Access to a wide range Credit Access to credit facilities to of investment products and Investment Services Services meet different needs services on an advisory basis

Fiduciary services

Plan for your next generation with strong building blocks for effective long-term wealth and succession management

DBS TREASURES PRIVATE CLIENT PAGE . 15

DBS-344-T11 TPC Sales Kit r9.indd 15 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 16 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Structured Products Underlying assets include: Investment Advisory Foreign exchange Fixed income Integral Bonds or other fixed income instruments Foreign exchange solutions for Equities or Equities your exchange-traded funds or Derivatives investment indices Traditional funds needs Commodities Alternative funds Interest rate indices or interest rate futures Credit

DBS TREASURES PRIVATE CLIENT PAGE . 17

DBS-344-T11 TPC Sales Kit r9.indd 17 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 18 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Liquidity Enjoy full flexibility to draw down on standby funds for investments or other opportunities

Yield/Return Enhancement Amplify returns on investments through leverage

Monetisation Manage your cashflow without having to sell your assets

We lend against marketable securities, real estate* and structured products. * Singapore real estate only

DBS TREASURES PRIVATE CLIENT PAGE . 19

DBS-344-T11 TPC Sales Kit r9.indd 19 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 20 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Estate and Long-term Succession Planning Liquidity Planning wealth To preserve and protect your legacy for protection future generations through the creation Innovative liquidity funding of private investment companies and solutions to facilitate long-term and trust structures objectives through preservation Universal Life Insurance • Succession planning • Post-formation administration • Monitoring

DBS TREASURES PRIVATE CLIENT PAGE . 21

DBS-344-T11 TPC Sales Kit r9.indd 21 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 22 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Economics Strategy

• DBS Daily Breakfast Spread • Monthly Investment Playbook ––Economic commentary and analysis • CIO Quarterly Investment Letter • Weekly Call from the CIO’s desk • Asset Allocation ––Economic and market outlook • Monthly CIO Conference Calls • Quarterly Economic Market Strategy • Focus Ideas (ad hoc) • Regional Market Focus

Currencies Fixed Income Equities

• FX Pulse • Interest Rate Outlook and Strategy • Regional Daily Focus ––Country specific topical reports ––A compilation of original investment • Currency Reports ideas, and analysis of news and events – International and regional currencies affecting stocks in the region • Country Dailies • Industry Weeklies • Regional Small/Mid-caps Strategy Reports • Company/Sector/Market Focus Reports

DBS TREASURES PRIVATE CLIENT PAGE . 23

DBS-344-T11 TPC Sales Kit r9.indd 23 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 24 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Banking Privileges • Dedicated 24/7 DBS Wealth Management Hotline DBS Asia Treasures Privileges • Preferential pricing on transactional Access to products • DBS Asia Treasures Concierge Services Consumer Products • DBS Insignia, a by-invitation-only • DBS Asia Treasures Airport Lounges credit card • Home loans ™ • • Priority Pass Membership • Fee waiver on overseas cash Auto loans • DBS Asia Treasures Limousine Service withdrawals with your DBS Treasures • Credit cards Private Client Debit/ATM Card • Regional Benefits • Bill payment services • Priority access to all regional Treasures Centres • Emergency cash withdrawals at participating regions

DBS TREASURES PRIVATE CLIENT PAGE . 25

DBS-344-T11 TPC Sales Kit r9.indd 25 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Singapore Hong Kong Tel: 1800 221 1111 Tel: (852) 2290 8822 (65) 6221 1111 (from overseas)

www.dbs.com/treasuresprivateclient

DBS-344-T11 TPC Sales Kit r9.indd 26 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

DBS-344-T11 TPC Sales Kit r9.indd 28 4/25/12 9:21 AM PROPRIETARY/CONFIDENTIAL – Welcome Kit_DBS Treasures Private Client Sale Kit — A4 (28pp)

Date: Job No: Client: Media: Colour: Insertion Date: AD: GH/CD/ACD: Product / Prices 11/04/12 DBS/344/T11 DBS Print A4 4C - Aaron Francis Grid / Logos usage Time: Size: Studio Artist: Head Of Studio: CW: AS: Terms & Conditions 1400 W297xH210mm (Open) Meng Hong Jessica Cozette Eunice Cheng Promo