life moves in good company World Citizen Services AAPB_fullcolourC.eps ABN AMRO Private Banking, full-colour for coated paper

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1 life moves in good company

2 Your life is like a journey. Getting the most out of it requires good company, especially when you aspire to move your life across borders. Our will help you move it wisely from one country to another. A local dedicated team, consisting of experienced advisors will help you to address any challenges. Helping you to purchase your dream home abroad, getting you started in a new country or making sure your investments are protected for the future. Just take a deep breath and fill your lungs with the fresh air of a new home. Enjoy being a world citizen. Planning the essentials of a home abroad If you are thinking of buying a second home, moving to a new country or are living abroad, you probably want to minimize your risks. Our local team will review your plans with you. Based on the initial review, will bring the relevant issues to your attention. Whether it is about financing your (second) home, succession or wealth structuring, we will use our network to make sure that all concerns about the future are addressed. We can advise you on many of the important aspects of a changing and complex personal situation. We want you to focus on enjoying the lifestyle that you want to lead! Getting you started in a new country Structuring and managing your wealth effectively is not only about the numbers, it is about living your dream and involving the right people in the decisions that you make. We are here to advise you on all of your questions regarding living in your new country. Our local team speaks the local language, Dutch and English. is ready to help in any respect: from tips on how to get settled to transferring money to your account. Taking care of your affairs You will find just around the corner. Our local team will be your access point to the bank s international network.

3 getting you started Use our local network Buying a second home or moving to a new country affects more than merely banking and insurance matters. As, we have been in the local community and have developed a network which we will gladly place at your disposal. We have also been through the relocation process ourselves, and are keen to share our experience and contacts. Benefit from years of expertise The years of experience we have in servicing clients our world citizens with their specific cross border needs, means that we have all the knowledge to enable you to enjoy your life abroad with ease. Your access to an international network Your local team is there for you. We will be your point of contact to help you with anything we can to set you up and beyond. During your time abroad, we will be there to facilitate your access to any financial service in our international network with all the support you would expect from a Private Bank, which belongs to the worldwide top.

4 international structuring & estate planning The consequences of purchasing a home abroad Moving to a different country involves more than purchasing and financing the house of your dreams. Each country has its own tax regime. It can be possible that your assets are subject to taxation in both your homeland and your new country. For this reason it is important, among others, to properly structure the purchase of your new residence. It is also prudent to establish whether your possible marriage contract or will is valid in your new country. To prevent unpleasant (financial) surprises when purchasing a home abroad, t is vital to gather as much information as possible about the consequences for your estate planning at the arliest possible stage. Practical example Mr. Doe is married for the second time and has two children from his first marriage. Mr. Doe and his new wife wish to purchase a holiday home in the French Provence. In the event of Mr. Doe s demise, in principle French inheritance law applies to the inheritance of the French holiday home. Given this, the children from his first marriage can make a direct claim to a part of his estate that concerns the newly acquired French home. To protect Mr. Doe s wife against claims from the children at the time of death of Mr. Doe, an International Structuring & Estate Planning specialist helped find a solution in which the children can make their claim only after the death of Mrs. Doe. A solution tailored to your needs gives you access to ABN AMRO s International Structuring & Estate Planning specialists. In contrast to most local legal experts, they approach your changing circumstances from an international perspective. Our specialists have years of experience with the diverse legal issues faced by clients when purchasing a home abroad, possibly followed by immigration. would be delighted to put you in contact with one of the specialists of International Structuring & Estate Planning.

5 making your assets work better for you Defining your life goals We know that understanding your unique lifestyle is key to developing a sound financial plan, which is crucial in accumulating and safeguarding your wealth. This is why ABN AMRO has specialists focussing on clients with unique yet similar needs our world citizens. This has enabled us to develop a wealth of knowledge, expertise and solutions for the benefit of our clients. We also know that no two clients are alike: you may be moving between countries or relocating. Perhaps you already have a second home or are resident abroad. This is why we encourage you to drop in and meet our team; you might be surprised at how your wealth can be structured to work even better to help you to obtain your goals in life. Optimizing and protecting your assets After a sound review of your assets, we will present our view of the optimal allocation and structure of your wealth, taking into account your current situation and plans for the future. A typical financial plan would look at how to: obtain liquidities from your real estate patrimony; optimize your fiscal situation; prepare your succession and protect your family; diversify your assets; optimize your investments while maintaining cash flows. Finding the financial solutions for you We offer you a wide range of tailor made financial solutions. Our range of credit products can provide you with bridging finance or help you to unlock the hidden value in your real estate for other purposes. Investment products for residents or non residents such as funds or life insurance can help you optimise your return on investments. is your gateway to all specialists within the international ABN AMRO network.

6 adapting your investment needs to suit your situation abroad Making an overview of your situation If you have investments and activities spread over different countries, your wealth is likely to fall under multiple legal and fiscal systems. Over time your situation may have changed, subjecting your financial matters to more than one country s jurisdiction. It is always wise to regularly review your financial situation and future plans, especially if you or your children reside in more than one country. Reviewing investment strategies By using our specialist knowledge in complex cross border issues, we can tailor the optimal solution for your specific needs, regardless of the location or composition of your assets. Tailored fiduciary structures, such as trusts, foundations or sophisticated life insurance constructions, can be part of the pallet of solutions we are able to provide. These structures can help you to create effective control of your assets. Ongoing management of your portfolio As a client of ABN AMRO Private Banking you have access to multiple investment services. You may choose to have a personal Investment Advisor who will coach and guide you in managing your investment portfolio. A different option is discretionary portfolio management, in which case our specialists will manage your portfolio on a daily basis, in line with your needs and objectives leaving you time to enjoy your new lifestyle abroad.

7 living in France A house in France A diversified landscape, a rich culture, a reputable gastronomy, a joie de vivre and a high quality of life. Enough reasons to settle yourself temporarily or permanently in France. Whether you are dreaming of a home with views of the Mediterranean Sea, an apartment on the Champs Elysées or a cosy house in the country, France is ready to help you to realise your dream. Sevices If you are thinking of moving to France, you probably want to minimise your risks. will review your plans with you and bring the relevant issues to your attention. Thanks to the knowledge and experience of our worldwide ABN AMRO network, we can inform you on many of the important aspects of a changing and complex personal situation. Whether it is about financing your (second) home, succession or wealth structuring, we will utilize our extensive network to ensure any issues or concerns about your future are addressed. We want you to focus on enjoying your new lifestyle in France. A local team Our team in France is there for you, to assist you in all aspects of living in France. The local team can guide you through the maze of buying a house and introduce you to the right people. France maintains its office in Nice and has developed a strong, extensive network which we will gladly place at your disposal. This way you have access to any financial service in our international ABN AMRO network.

8 helping you to buy a home in France Your dream home in France Dreaming of the ideal holiday home or thinking of moving to France permanently? As one of the most popular countries in which to purchase a second home, France has terrific potential and a wide range of opportunities in the real estate market. With, ABN AMRO can guide and advise you in finding, purchasing and financing the home that is suitable for you. As part of the international ABN AMRO Private Banking network, represents years of experience in guiding clients in the purchase of a home in France. Our regional team has built up an extensive local network of brokers, tax specialists, attorneys, notaries and insurance agents that we would like to make available to you. This way we are well placed to ensure that all the right steps are taken. Expertise uses its in-depth knowledge and experience of French regulations related to the ownership of French property to guide you through the entire process. We would be happy to put you in contact with specialists who can facilitate the process so that purchasing your French home takes place as smoothly as possible. For example, the purchase of a home in France can have consequences related to inheritance law and taxation, in both France and your homeland. In principle, French inheritance law applies to a home purchased in France. If this is not taken into consideration when drawing up your will, unpleasant consequences can arise. To avoid this, it is best to consult one of our specialists as early as possible. Our services include not only guidance in the purchase, advice regarding legal (tax) aspects and financing your French home, but also guidance in moving you and your family. Well thought-out financing can help you find the optimum tax formula and develop for you the best financial solutions. Our team of experts are ready to find for you the optimum financing solution, with for example a (possibly redemption free) mortgage with fixed or variable interest. is ready to help; from your decision to purchase a home in France until the moment you are fully settled.

9 living in Spain A house in Spain A diversified landscape, a wonderful climate, beautiful folklore, a world famous kitchen and a high quality of life. Enough reasons to settle yourself temporarily or permanently in Spain. Whether you are dreaming of a penthouse with sight of the Mediterranean Sea, an apartment in lively Madrid or a cosy house in the countryside, Spain is ready to help you to realise your dream. Sevices If you are thinking of moving to Spain, you probably want to minimize your risks. will review your plans with you and bring the relevant issues to your attention. Thanks to the knowledge and experience of our worldwide ABN AMRO network, we can inform you on many of the important aspects of a changing and complex personal situation. Whether it is about financing your (second) home, succession or wealth structuring, we will utilize our extensive network to ensure any issues or concerns about your future are addressed. We want you to focus on enjoying your new lifestyle in Spain. A local team Our team in Spain is there for you, to assist you in all aspects of living in Spain. The local team can guide you through the maze of buying a house and introduce you to the right people. Spain maintains its office on the Costa del Sol in Marbella and has developed a strong, extensive network which we will gladly place at your disposal. This way you have access to any financial service in our international ABN AMRO network.

10 helping you to buy a home in Spain Your dream home in Spain Dreaming of the ideal holiday home or thinking of moving to Spain permanently? As one of the most popular countries in which to purchase a second home, Spain has terrific potential and a wide range of opportunities in the real estate market. With, ABN AMRO can guide and advise you in finding, purchasing and financing the home that is suitable for you. As part of the international ABN AMRO Private Banking network, represents years of experience in guiding clients in the purchase of a home in Spain. Our regional team has built up an extensive local network of brokers, tax specialists, attorneys, notaries and insurance agents that we would like to make available to you. This way we are well placed to ensure that all the right steps are taken. Expertise uses its in-depth knowledge of Spanish law related to the purchase and ownership of real estate to guide you through the entire process. We would be happy to put you in contact with specialists who can facilitate the process so that purchasing your Spanish home takes place as smoothly as possible. For example, in Spain it is important to have a good lawyer to guide you during the purchase process. In Spain, the civil-law notary executes the deeds, but for the rest conducts no investigation and has no notarial clients account. A specialist lawyer investigates whether there are any claims against the property, whether the sellers are the lawful owners and whether the house was/is being built under a valid permit. Our services include not only guidance in the purchase, advice regarding legal (tax) aspects and financing your Spanish home, but also guidance in moving you and your family. Well thought-out financing can help you find the optimum tax formula and develop for you the best financial solutions. Our team of experts are ready to find the best financing solution for you, with for example a (possible redemption free) mortgage with fixed or variable interest. is ready to help; from your decision to purchase a home in Spain until the moment you are fully settled.

11 where to find our local teams France ABN AMRO Private Banking 107, Avenue de Pierrefeu Valbonne France Tel: Fax: Spain ABN AMRO Bank N.V. Oficina de Representación en España Av. José Banús Edificio Málaga Local 2-B Marbella, Málaga, Spanje Tel: Fax: Curaçao MeesPierson (Curaçao) 1 Berg Arrarat Postbus 3860 Willemstad, Curaçao Tel: Fax: info@worldcitizenservices.com

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