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Wealth Management

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RELATIONSHIPS…THE BUTTERFIELD WAY

Some things were just meant for each other… like your financialneeds and Butterfield’s wealth management services.

The Butterfield experience is a natural fit. It’s based on us acquiringa thorough understanding of your goals and then focusing ourextensive resources on helping you achieve them. It’s about trust.It’s about authenticity. It’s about getting you there… on your terms.

We have been in the business of helping clients realise theirfinancial goals for over 150 years—since 1858, when the merchanttrading firm that Nathaniel Butterfield founded one hundredyears earlier became The Bank of N.T. Butterfield, Bermuda’s firstbank. Although much has changed with the passage of time, anentrepreneurial spirit and an unrelenting focus on clients’ needsremain at the heart of everything we do. That’s translated intoa long-term relationship with clients over multiple generations.

With Butterfield as your financial partner, you can be confidentthat you are in expert hands and that we will do our utmost to crafta custom-fit solution that is meant just for you—one that fitsyour unique needs across private banking, investment, fiduciary,treasury and custody services.

By design, we have maintained a size and corporate structurethat allows us to deliver services with a highly personal touch anddevelop long-term relationships with clients. With numerousinternational offices and access to an extensive network of third-party professionals, we are able to offer a depth of expertise inall areas of wealth management, along with sophisticated productofferings and exceptional, personalised service to meet the needsof private, commercial and institutional clients around the world.

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As a private banking client, your affairs will be handled by yourpersonal relationship manager who will be your central point ofcontact for all that Butterfield offers—a professional who isgenuinely interested in understanding your needs and prioritieswho will work with you to help you achieve your current andlong-term goals. At Butterfield, we pride ourselves on gainingan in-depth understanding of your unique financial requirementsand tailoring our products and services to create the best fit foryour circumstances.

As your private banking solution, we offer the benefits of aninternational financial services group that provides a full range ofbanking and credit facilities coupled with financial expertiseand exceptional service. Butterfield corresponds daily with banksaround the world and has the ability to pay funds on your behalfquickly and securely. Our advanced internet banking system offersyou immediate, global access to your accounts, wherever you are,whenever you wish.

Private BankingEvery signature is a one-of-a-kind markof character. Our signature is th e abilityto create optimised financial solutions tosuit complex needs.

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In our view, no single financial decision should be made inisolation. We believe that the most effective investmentmanagement approach is one that takes into account every aspectof your financial picture and is flexible enough to be prudentlyadjusted and balanced with your changing circumstances orshifting economic conditions. At Butterfield we will personally takethe time to understand your investment objectives, time horizon,risk tolerance, income and liquidity requirements and then workwith you to carefully craft an investment strategy tailored to helpyou meet your needs and goals.

In order to meet your long-term investment requirements, we willutilise the expertise of our global investment team by puttingtogether your investment portfolio with the appropriatecombination of asset allocation, sector and stock selection.

Our pledge—backed by over 150 years of practical experience—is to maintain ongoing, open dialogue with you about yourinvestments. We will monitor your portfolio’s performance againstguidelines, and make recommended changes in its make-up overtime, as market realities and your needs and priorities change.

Every journey is unique. Set your goals.Butterfield provides th e expertise andexperience to get you th ere.

Investment Services

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Every relationship is different and everyone’s needs are unique.Butterfield has a long history of expertise across the spectrum offiduciary services. We are highly experienced in the managementand administration of a wide range of offshore legal structures inwhich to hold valuable assets or conduct business transactions.

We combine the technical expertise of professional, experiencedindividuals from a variety of disciplines in order to tailor make afiduciary solution that meets your unique requirements. Be itthrough a trust, private trust company, family office, foundation,company, special purpose vehicle or a combination of vehicles,we can create, manage and administer structures for a variety ofpurposes, such as:

• Succession / estate planning• Consolidation of affairs• Confidentiality• Asset protection• Tax planning• Wealth preservation

Fiduciary ServicesEvery key is shaped to fit its lock exactly.Our fiduciary services are similarly tailoredto perfectly fit your needs.

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With dealing and settlement capabilities in all major markets andmany of the smaller opportune markets, our global custodian teamwill provide you and your advisers with a truly global custodianservice. Working through a matrix of service providers, brokers andinternational clearing houses, we are able to provide dealing,settlement corporate action and dividend services, in a seamlessprocess that will connect you to the heart of global markets.

Dealing services are offered through our investment team, andwill provide access to institutional rates of brokerage, so if youprefer to manage your own portfolio, you will have access to awide network of information.

Butterfield is a qualified intermediary for acting as custodian ofUS assets and will provide assistance in understanding thewithholding tax regimes of different markets.

Every move is strategic. We h elp youanticipate all th e possibilities and positionyourself for maximum opportunity.

Custody

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Treasury Services

Every foreign market has its hiddentreasures. Our skill is sourcing th e trulyexceptional pearls to complem ent yourportfolio’s profile.

Butterfield Treasury Services provide expertise to help you manageboth foreign exchange and interest rate risk for your personal andbusiness interests.

We will work with you to customise a foreign exchange solutionto fit your portfolio and needs, including hedging solutions tomanage risk. You can execute foreign exchange transactions forimmediate cash settlement or for forward delivery in all majorcurrencies and a broad range of secondary currencies.

As part of your relationship with us, our treasury dealers areavailable to discuss markets and provide opinions on theirdirection, using both fundamental and technical analysis.

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Butterfield offers a full range of community banking services in Bermuda,Barbados and the Cayman Islands, encompassing retail and corporate bankingand treasury activities. Wealth Management services, including private banking,fiduciary services and asset management, are provided from the Group’sheadquarters in Bermuda and other Group locations in The Bahamas, CaymanIslands, Guernsey, Hong Kong, Malta, Switzerland, and the United Kingdom.

www.butterfieldgroup.com

This brochure is for information purposes only and does not constitute an offer or solicitation of products or services where prohibited by law.It is designed to provide general information on our fiduciary services and is based on laws and practices prevailing in the relevant jurisdictionat the time of publication. This information is not intended to be exhaustive and does not constitute legal advice. We will be pleased to offermore comprehensive and specific information upon request and we invite you to contact the relevant unit to discuss your specific requirements.

Relationships… Your way Every successful relationship starts simply… by getting to know each other.We invite you to experience Butterfield your way… on your terms.

We would be pleased to talk about how we can design a unique financial solutionthat’s perfectly tailored to you and all your wealth management needs.