Chappuis Halder & Cie Financial Services Practice January 2010

2. Our consultants are involved in major FS projects all over the world Kenya Mobile Banking launc h for people for a leading kenyan bank Philippines Stock Exchange new markets design Belgium Risk Department strategy workshop US S tructured products credit risk assessment for a global hedgefund South America Underwriting risk policy for Retail portfolio Singapore Operational Risk Framework enhancement HK-Singapore Market Risk: FX positions process improvement Switzerland Private banking collateral management UK Commodities firm back-office improvment

3. Chappuis Halder & Cie teams are among the finest professionals in international consulting Commitment Business orientation Problem solving culture International exposure Focus on improvement Chappuis Halder Added Value We select consultants passionate by their job. We ensure high motivation and high involvement through dedicated HR policy. Only experienced people are recruited. Many of our consultants used to work operationally for large companies. They know companies’ issues from the inside. Our consultants are focused on sector or functional domain to bring to customers more value. Our approach is only business oriented and pragmatic. We are focusing on turn key business solutions, with short term deployment and results. We believes in concrete short term impacts rather than long term studies. Our teams are not based in one single location. Our consultants are used to work in international environment, with other cultures. We guarantee the same level of quality in all offices, for all consultants. Our consultants are regularly trained (six-sigma, market overview, etc.). We have set up a quality process for each assignment to make sure we’ll do even better next time.

5. Our customers are among the top players of the FS sector, with a well-balanced mix of intervention Retail Banking 15% % of revenue Insurance Reinsurance 20% Trading Commodities 10% Corporate Investment Banking 30% Private Banking 25% Our particularity is to work closely with customer’s team. Most of our consultants used to work in a bank or an insurance company, and are therefore fully aware of “ field” issues. Being focused on one sector, we invest al lot on Knowledge Management, and we do for our own purpose market study and research. Once the result is there, we share it with our customers, and are able to bring much more value to them.