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1 BACK NEXT PRINT QUIT Yours

2 YOURS TRULY Nathaniel T. Butterfield was a clear-eyed, sensible trader who made it his business to anticipate customers needs. When fellow merchants lacked financing options, Butterfield responded. Over 150 years ago, the firm s evolution from international trade to international finance was the logical way to assist customers using our experience. And we re still at it. From our Bermuda roots, Butterfield has quietly and deliberately extended that expertise to several key international financial centres. Today, while our forebears might marvel at the sophisticated tools and services we have access to, the Butterfield tradition of mobilising our resources to serve the unique financial needs of clients has never wavered. Unique is not a word we use lightly. If more than a century of business dealings with individuals, families and institutions has taught us anything, it s that the contours of your particular financial fingerprint are like no other. Context is everything. Wealth is the means but to what end? That s why we focus first on understanding what matters to you: your goals; your world; your experience. What we deliver are the advantages of the Butterfield experience accessible, focused, seamless, performancedriven and most importantly insightful about the things that affect your priorities. BACK NEXT P RINT QUIT

3 YOURS WHERE YOU NEED US As an international financial centre, Bermuda is among the most trusted regulatory environments in the world a natural base for banking, law, accounting and insurance. This concentration of local and global expertise means our people live and breathe international finance. Being the country s oldest indigenous financial institution is an important advantage. Butterfield s knowledgeable network of professionals and extensive coverage on the ground gives you the benefit of a larger, highly versatile team equipped to handle virtually any need. We know how to get things done and who to bring to the table to help you achieve your goals. Our clients are often very successful entrepreneurs. What s most important to th em is that we re always accessible and that we re highly consistent in our approach. We don t go up and down with markets and fashions. Relationships matter. Having direct access to our most seasoned and senior people truly distinguishes Butterfield service from all others. Here, you can sit down, face to face, with key decision makers when you need to. We can be nimble and proactive about credit and other opportunities that have an impact on your life or your business. BACK NEXT PRINT QUIT

4 A lot of financial services companies talk about pro viding tailored ser vices, but often it s just talk. At Butterfield, a custom er-centric approach is fu ndam ental to how we operate and how we re organised. YOURS IN FOCUS There s no such thing as a typical Butterfield client or typical needs. On any given day we might be helping to set up a company here, purchase a yacht there or sell a property half way around the world sometimes all for the same person. Working closely with other advisers is essential investment managers, legal counsel, bankers in other jurisdictions. Our clients, and their advisory network, trust us to take care of every last detail. That s where our international network of experts gives our clients such an advantage. But what matters most is not just how we handle the day-to-day requirements. It s about how focused we are on understanding needs that often go unspoken. It s about not only listening but hearing. Hearing means paying attention to what s really going on the context and nuances. That enables us to be proactive as well as highly responsive. Relentless focus on what really matters is what earns Butterfield levels of trust with clients that often extend into second and third generations. It s a simple truth. People stay because we deliver what they need, time after time. BACK NEXT PRINT QUIT

5 YOURS SEAMLESSLY When personal and business wealth are intricately interlaced, it s essential to have an expert team that can tackle the fine points without losing sight of your long-term objectives. By tapping the full breadth of Butterfield s financial management experience from private banking to treasury services we can often identify opportunities and options for growth that others might not see. Perhaps your family enterprise could benefit from establishing a commercial trust as a tool for succession planning. Or, perhaps you require specialised financing for an expansion project. Maybe now s the time to support a life-long passion by creating a foundation. Often it s advantageous to include an investment portfolio that we create and manage for you or the foundation s board. Butterfield s international expertise enables us to craft specialised, multi-jurisdictional solutions as well. We help you see the big picture and tend to the essential details simultaneously, seamlessly. It s a defining Butterfield discipline. BACK NEXT P RINT QUIT Our personal approach m eans we work with our clients as a team. Our global expertise and access to international currency markets allow us to pro vide structured solutions, from foreign exchange transactions to money market services.

6 Wh en it com es to investm ents, our goal is to tailor programm es to m eet our client s specific goals wh eth er it s liquidity, cash flow, capital or surplus based on th eir unique financial circumstances and management parameters. YOURS IN PERFORMANCE Whether you are a corporate client, an entrepreneur or a major multinational, performance counts. But performance involves far more than just the numbers. Count on Butterfield for service that goes above and beyond, whether you work with us directly or through consultants. The difference is in the details turning a complex institutional letter of credit around in a matter of hours, streamlining the administration of a company s pension fund or creating complex structured credit solutions. Butterfield s ability to orchestrate complex financial management services comes from the breadth and depth of our organisation s knowledge. But we believe that financial expertise must be tightly coupled with responsiveness and accountability. It s not just what we know that matters, but how wisely we can put it to use on your behalf that really counts. We re careful about what we promise because we take personal responsibility for keeping those promises every single day. BACK NEXT PRINT QUIT

7 YOURS INTERNATIONALLY Insight comes from collaborating across disciplines to serve the needs of clients in many markets. Leveraging Butterfield s presence in major financial centres in Europe, as well as our Bermuda, Caribbean and Hong Kong locales enables us to continuously monitor and sharpen our awareness into financial trends. Insight also means proactively providing expert advice in areas where you can benefit from new opportunities. Butterfield brings you the best of local service but with unique access to the advantages of other financial jurisdictions. The advisers and relationship managers you ll work with at Butterfield are part of a highly experienced international team with access to an extensive network of industry experts. Th ey ll work with you to identify and structure integrated financial solutions that m eet your needs. We re focused on the kind of practical knowledge that will help you achieve your personal and corporate measures of success: growing your assets; minimising risk; securing the future you want for your beneficiaries; protecting the value of your principal; managing your investments for asset preservation or growth. Insight married to experience yours and ours is a powerful combination. BACK NEXT PRINT QUIT

8 YOURS FOR THE FUTURE Accessible and focused, seamless, international performance these are all hallmarks of the Butterfield experience. Our 150-year history is one of trust between Butterfield and our clients. It s allowed us to grow alongside entrepreneurial enterprises as they transform into conglomerates. As small start-ups have blossomed into thriving, multi-generational dynasties. As whole sectors like insurance have matured and expanded over decades. Trust is what has enabled us to build long-standing relationships with clients individuals, families and institutions who rely on Butterfield s services and expertise. We hope we can count you among them in the future. We know there s no one else out there quite like you and no other financial partner like Butterfield. Butterfield offers a full range of community banking services in Bermuda, and Barbados the and the Cayman Cayman Islands, Islands, encompassing retail retail and and corporate corporate banking banking and and treasury treasury activities. activities. Wealth Management services, including private banking, fiduciary services and asset management, are provided from the Group s headquarters in Bermuda and other Group locations Group locations in The Bahamas, in The Bahamas, Cayman Cayman Islands, Islands, Guernsey, Guernsey, Hong Kong, Switzerland, Malta, Switzerland, the and the United United Kingdom. Kingdom. 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 services and is based on laws and practices prevailing at the time of publication. Our investment products and services are not available in the United States of America, the United Kingdom or other jurisdictions where we are not authorised or permitted by local laws to promote or sell our products, and residents or citizens of certain countries may not be eligible to utilise these services. This information is not intended to be exhaustive and does not constitute legal advice. Our goal is to provide an overview of our services. We will be pleased to offer more comprehensive and specific information and we invite you to contact the relevant unit to discuss your specific requirements. The Butterfield Funds are investment companies owned by their investors as shareholders, and are, therefore, independent entities from the Bank. Each of the Funds is subject to its respective market risk and the Bank does not guarantee the investments. Past performance does not guarantee future results. All applications for funds must be made on the basis of a current prospectus. The Bank of N.T. Butterfield & Son Limited 65 Front Street, Hamilton HM 12, Bermuda BACK NEXT PRINT QUIT