Platform System Selection Michael Chisholm—CEO Crestone February 2016

Agenda About Crestone Platform requirements Platform selection process Why Avaloq

1 About Crestone

Target client segments About Crestone Heritage Acquisition of UBS Wealth Management Australia Limited. 75 years experience. Scale AUD15 billion of client invested assets, >70 experienced client advisers. Target client segments Focus on HNW and Ultra HNW. Domiciled primarily in Australia and New Zealand. Locations Offices in Brisbane, Sydney and Melbourne.

Our goal To be the leading wealth management firm for HNW and UHNW clients, and for financial intermediaries who service this segment. Client needs Asset allocation and structuring advice covering global markets In-depth security and sector advice Control over the investment decision making process Bespoke solutions tailored for their circumstances Text Text Text

Critical success factors To deliver truly exceptional results, Crestone must deliver on four key areas Global research 1 Text Text Text 2 Global product coverage 3 Integrated technology platform 4 Staff experienced in multi-asset advice and delivering bespoke solutions Text

Platform requirements 2 Platform requirements

Platform requirements 1. Enhancing the digital client experience and platform for ongoing enhancement 2. Integrated front-to-back system 3. Comprehensive global investment product coverage (securities, OTC, managed funds, multi-currency, lending, ETDs) 4. Sophisticated reporting functionality 5. Broad execution functionality 6. Support compliance obligations – domestic and global 7. Operational efficiency 8. Proven experience in the Australian market, especially tax regulations 9. Support our financial intermediary business 10. Competitive pricing

Platform selection process 3 Platform selection process

Platform selection process 9 months Detailed description of present and future requirements RFP preparation Analysis of potential vendors and RFP distribution Analysis of the vendors’ proposals (eight vendors) Final screening (three vendors) State of the art technology Potential to deliver operational efficiencies Strong commitment from the vendor to the project Alignment with strategy Participation of numerous units of the organisation Intense communication effort Top management involvement

4 Why Avaloq

Meeting our requirements Enhance client experience Adaptable to constantly changing client needs Client experience differentiation Innovation with new products and services Enhance Client Adviser efficiency Easily accessible information with drill-down capabilities In-built tools to support monitoring and advice processes Remote access with full functionality Minimise compliance risk Leverage technology to meet compliance obligations Support for regulatory and compliance changes Greater ability to supervise and monitor our business Increase operational efficiency Automate manual, bespoke and complex requirements Standard operations and higher straight-through processing (STP) Provision of best-in-class industrialised processes Better experience for clients and advisers Cost efficient Far better control

Questions

2 Chifley Square, Sydney NSW 2000 Level 32, Chifley Tower 2 Chifley Square, Sydney NSW 2000 February 2016