Your partner in wealth management

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1 Your partner in wealth management

2 Societe Generale Private Banking Employees: 2,800 Reach: located in 22 countries Assets under management: 75.4 billion euros, as of 31 December 2009 Corporate awards 2010 Euromoney Private Banking Awards Best Private Bank worldwide, in Europe and in the Middle East for its offer in Structured Products Best Private Bank worldwide, in Europe and in the Middle East for its offer in Equity Derivatives 2009 Euromoney Private Banking Awards Best Private Bank in Japan and Luxembourg Private Banker International Awards Recognised as one of the top three private banks in Europe Societe Generale Private Banking & Rockefeller Financial alliance Outstanding Wealth Manager for Family Office Services Recognised as one of the top three wealth management leaders for the originality of its business model Individual awards Daniel Truchi Global CEO - Societe Generale Private Banking Financial News 100, Wealth Management Category Most Influential Business Leader in Europe 2008 Wealth Bulletin Leaders 2008, Dow Jones Top Business Leader in Europe in 2008 Private Banker International Outstanding Private Banker in Asia Pacific 2006 Outstanding Global Private Banker in 2009 Warwick Newbury Chairman - SOCIETE GENERALE PRIVATE BANKING Hambros Eric Barnett CEO - SociEtE GEnErale Private Banking Hambros Citywealth Among the Top 10 leading private bankers in the UK in 2009 Private Banking Individual of the year 2007 Keiichi Hirano GLOBAL HEAD OF REAL ESTATE OFFER & INTERNATIONAL JAPANESE CLIENTS - SociETE GEnERale Private Banking Private Banker International Outstanding Young Private Banker in Asia Pacific in 2007 Private Banker International and Private Asset Management Lifetime Achievement Award 2008 Spear s Private Banker of the Year 2007

3 Choosing a private banker is, first and foremost, a matter of trust. You need a partner who is reliable and knowledgeable, and makes a long-term commitment to helping you preserve, protect, and transfer your assets. Daniel Truchi Global CEO Societe Generale Private Banking Our private bankers meet client expectations via an international network of financial, legal and technical experts who work together to help you construct a unique wealth management strategy. So you benefit from a personalised service and tailor-made solutions designed to meet your financial targets; based on products and services of the highest quality and backed by the strength and international reputation of Societe Generale Group. Our investment advice also takes into account your attitude to risk, and gives you access to the best products on the market and the latest information on economic trends. With Societe Generale Private Banking by your side, your personal and professional assets will be handled with great skill, and total professionalism. And you may rest assured that our aim, like yours, will always be to protect and enhance your family s wealth for generations to come.

4 A holistic approach Amongst our clientele are affluent individuals and families, chief executive officers, independent entrepreneurs, professionals and financial intermediaries. Some have reached the highest levels in the corporate world, others are preparing to retire. And no two financial stories are alike. We listen With this in mind, we begin by asking you to tell your story; in the round and in complete confidence of course, whatever your professional or family circumstances. Our aim will be to: 1. Look in detail at all your assets 2. Find out what you hope to achieve in the short, medium and long-term 3. Explore your perspective on risk versus performance 4. Analyse your legal, fiscal and financial situation. Armed with this knowledge, the task of engineering an effective, tailor-made wealth management strategy can begin. We advise Our private bankers have the knowledge, experience and contacts to operate across the full financial services spectrum. They have the capacity to offer independent advice on a wide range of issues, taking all your domestic and international activities into account. And they are not evaluated on product sales; their sole mission is to assess your needs and propose the best possible solutions.

5 You may wish to focus on specific needs as they arise, but if you would rather we adopted a more holistic approach to planning your finances, we can help you: Structure your wealth Your wealth is a great responsibility and, if you can protect and develop your assets according to your priorities, a tremendous opportunity. Invest in your passions From the prestigious to the philanthropic, wherever your interests lie, whatever your investment goals, we have the expertise to help you achieve them. Strengthen your portfolio You may have assets you simply wish to protect. Or a portfolio you want to reinvigorate by seizing opportunities created by the world s financial markets. Either way, we can help. Optimise the management of your wealth You may be an executive director, a holder of stock options, working or retired. Wherever you live, whatever your financial objectives, we can help you find the best way forward. Secure your future Anticipation, accurate forecasting and sound advice: If you want to protect your assets, maintain your lifestyle and enjoy a comfortable retirement, you need all three. And we are here to provide them. Once the scope and scale of your financial plans are agreed upon, your private banker can also source any tax and legal advice you need and harness the skills of our accomplished trust and fiduciary services. We have also forged a global alliance with Rockefeller Financial, a leading wealth management firm in the United States, with whom we work to share expertise and collaborate on solutions for ultra high net worth individuals and family offices.

6 A tailor-made service Should you be looking to secure and optimise return on investment, you will value our expertise in asset allocation and liability management. We also have a fine reputation for sourcing, selecting, creating and combining hardworking, best of breed products; and for fully integrating these services with rigorous due diligence procedures and stringent risk management controls. You choose So that we can respond appropriately to the individual needs of a broad range of clients, we offer three different levels of wealth management service. All you need to do is choose the one that suits you best: Discretionary Portfolio Management Once your wealth management strategy is agreed upon and a management mandate signed, a dedicated private banker will be assigned; to carry out all your instructions, monitor your investments daily, capitalise on changing market conditions, and keep you fully updated. All transactions will be securely carried out, based on market information of the highest quality. And while your portfolio is efficiently and transparently managed, your precious time will remain your own. Choose this option if you prefer to minimise your involvement and place the task of managing your assets in the capable hands of your private banker.

7 Advisory Service In close collaboration with your private banker, a dedicated consultant will assist you in your investment choices on a daily basis, by summarising sources of information that are only available to finance professionals. With this exclusive information at your fingertips, you will be able to respond more effectively to market complexities, optimising your assets while remaining in complete control. Choose this option if you wish to research and select investment opportunities for yourself, with the help of regular advice from Societe Generale Private Banking. execution Service This service affords ready access to the expertise and market knowledge of your private banker, and to any information you require regarding your investments. Should your needs change, you can also enlist the help of our specialist consultants via your private banker. Choose this option if you are happy to structure and manage your own portfolio, but would like your private banker to implement your decisions.

8 Bespoke investment solutions Breadth In the interests of optimisation and diversification, we monitor and assess every investment opportunity on the financial markets, and recommend only those most likely to meet your needs, whether they are Societe Generale products or not. And through our international centres of expertise, audited externally on a regular basis, we ensure complete neutrality in the analysis and selection of robust investment solutions. Depth Our multi-asset class approach to achieving your long-term investment goals may include capital preservation, long-term capital growth or income generation. By combining specialist investment funds, we build diversity into your portfolio. Mutual Funds Working exclusively for Societe Generale Private Banking, a team of independent fund research specialists conducts ongoing analysis of available funds in order to identify those showing the best risk-adjusted performance. Alternative Investments Hedge Funds Our specialist analysts select exceptional hedge fund products issued by a range of management companies and designed to offset market down-turns or optimise your investment portfolio. Private Equity Should you wish to diversify your investments, our specialists offer exclusive access to some of the best private equity funds and funds of funds. They are always on the look-out for consistently strong funds and strategies (distressed debt, LBO, mezzanine debt) managed by teams of outstanding entrepreneurs.

9 Structured Products Our structured product experts draw up and monitor bespoke strategies that allow you to invest in all asset classes (stocks, interest rates, funds) and profit from all market configurations (bear, bull or stable). Real Estate Should you wish to privately purchase (or sell) property as a resident or landlord, we can help in practice and on paper via Real Estate Investment Trusts, mutual funds or structured products. We can also provide real estate-secured lending facilities in selected markets around the world. To make sure all your goals are met, we also offer access to securities trading on foreign and domestic markets and a wide range of banking services that streamlines the day-to-day running of your affairs. Our renowned international centres of expertise and independent fund selection process are the pillars upon which our unique wealth management offer is built.

10 Benefits of a Global financial group Working with a Societe Generale team based anywhere in the world gives you access to an international, multidisciplinary network of experts, and to effective solutions to all your personal and commercial financial needs. And the Group s extensive retail banking network puts our banking services at your disposal too, especially in Africa and Europe. Thanks to the Group s financial services specialists (based largely in Europe) we can provide all the support you need, no matter what kind of private project you have in mind; from investing in real estate or vineyards to financing the purchase of a jet or yacht. And thanks to our corporate and investment bank, should you require any help with more sophisticated corporate management operations, we can partner you at every strategic milestone; from financing growth, engineering financing solutions and arranging mergers and acquisitions, to initial public offerings, capital increases and managing assets and liabilities.

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13 We stand by you Placing your trust in a professional private banker impacts on every part of your life; financial, private, professional, domestic and international. And our business stands or falls on the strength of every client relationship we build. Your dedicated private banker will be an accessible, single point of contact through which you can tap into every service we offer. Whether you want help to organise, optimise or protect your assets or strengthen your investment portfolio, we can provide all the advice you need. With Societe Generale Private Banking as your partner in wealth management, you can be sure the solutions we recommend will be as individual as you are, as unique as your circumstances and as attuned to your needs as it is possible to be. Together we will define a bespoke strategy based on confidence, discretion and absolute trust. If you would like more information about our people, our services or our products, please do not hesitate to contact your Societe Generale Private Banking local office or visit

14 Societe Generale Private Banking is the wealth management arm of Societe Generale Group; one of the largest financial services groups in the euro-zone, it divides into three key businesses: Retail Banking and Financial Services Serving more than 30 million customers worldwide Private Banking, Global Investment Management and Services Assets under custody: 3,073 billion euros* Assets under management: 344 billion euros* *as of 31 December 2009 Corporate and Investment Banking Societe Generale tailors solutions for its clients across sectors by capitalising on its worldwide expertise in investment banking, global finance, and global markets. Established: 1864 Employees: Nationalities represented: 128 Reach: located in 83 countries Sustainable development indexes: FTSE4good, ASPI Ref. (A) Design : SOCIETE GENERALE Photos Credit : Getty Martial Lorcet April 2010 Societe Generale Private Banking Immeuble SGAM 170 Place Henri Regnault F Paris La Défense Cedex T +33 (0) F +33 (0) Societe Generale S.A. Common stock: ,25 euros RCS Paris