NAB Income & Investment Solutions

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1 NAB Income & Investment Solutions Delivering cash flow through innovative deposits and investments. INVESTMENT SOLUTIONS FOR BUSINESS BANKING

2 General advice warning. Disclaimer: This document has been prepared by National Australia Bank Limited ABN AFSL ( NAB ). Any advice contained in this document has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice in this document, NAB recommends that you consider whether the advice is appropriate for your circumstances. NAB recommends that you obtain and consider the relevant Product Disclosure Statement or other disclosure document, before making any decision about a product including whether to acquire or to continue to hold it. General Disclaimer: Although National Australia Bank and its related bodies corporate ( NAB ) has made every effort to ensure the accuracy of the information as at the date of publication, NAB does not give any warranty or representation as to the accuracy, reliability or completeness of the information. To the extent permitted by law, NAB and its employees, officers and contractors shall not be liable for any loss or damage arising in any way (including by way of negligence) from or in connection with any information provided or omitted or from any one acting or refraining to act in reliance on this information.

3 NIIS Delivering cash flow through innovative deposits and investments Volatile markets and changing needs are combining to create greater demand for Secure income-based investment solutions. NAB Income & Investment Solutions (NIIS) is uniquely positioned within the NAB Group to respond to these changing conditions. We provide differentiated deposit and investment solutions. Our expertise creates leading solutions We re innovating for the future Our specialist market coverage, insight and range of cash flow solutions can be tailored for specific outcomes and to mitigate specific risks. NIIS delivers relevant, tailored deposit products and innovative income solutions to business, corporate, community, health care and government clients. Our unique offering provides incomebased returns that meet your cash flow requirements, improved returns and the flexibility you need to change with the world around you.. Portfolio diversification and a higher allocation to defensive assets like bank deposits and fixed income are driving innovative approaches that can match diverse requirements whether you are a corporate decision-maker seeking flexible deposit solutions or part of a larger pool of transitioning investors wanting a reliable income stream. In response to the demand for more defensive investment product, NAB has positioned itself at the forefront of the Australian deposit and fixed income market. Our range of innovative products offer further diversification opportunities for both issuers and investors. And we re always looking for new ways to develop the market. We are committed to the growth of a liquid domestic corporate bond market to help fund Australian businesses without relying on bank balance sheets, while providing investors with greater issuer choice. 1

4 NIIS What we offer: a comprehensive suite of traditional and innovative term deposit solutions from a secure and long-standing bank. Deposits We provide deposit and fixed income solutions that suit the market environment and your changing needs. Our standard term deposits offer stability and security, while our tailored term deposits give you the choice and flexibility required to tailor your business cash flow as and when your needs and views change. Providing competitive interest rates and the security of an investment with a major Australian bank, NAB Term Deposits offer a secure, lowrisk investment for your fixed interest needs. Products include: Flexi Deposit: combines the certainty of fixed rates and the potential benefit of moving to floating rates (as market rates may change). Amortising Deposit: provides a flexible stream of payments comprising both principal and interest components over a set period. Floating Rate Deposit: creates the opportunity to lock in a fixed margin over a desired Bank Bill Swap Rate set. Rolling Deposit: tailored to manage your surplus capital and create stable cash flow. Research Based in Australia, New Zealand, London and New York, the Research Group within NAB is focused on delivering high quality economic and financial market advice to clients. The advice provided by the research team is highly rated polls consistently rank NAB as one of the top research houses in Australia. NAB s financial forecasts and insights are regularly referred to throughout the Australian and global press. Quantitative research Our innovative, tailored deposits enable your business to manage inflation and interest rate risk changes, while offering stable income to suit your cash flow needs. Inflation Deposit: protects the value of your capital and interest income from changes in inflation over time. Our Research Group provides expertise across: Technical analysis Macro-economics Corporate credit National Australia Bank is ranked as the safest bank in Australasia and ranked no.16 in the world.* Financial market strategy * Comparison of long-term credit ratings and total assets of the 500 largest global banks (World s 50 Safest Banks Report, Global Finance Magazine 2013) 2

5 NIIS Access to non-traditional investment products In addition to our comprehensive range of deposits, NIIS provides you with access to a broad suite of alternative income and investment product options. Listed debt securities NAB is the market leader in ASXlisted debt securities and has been at the forefront of virtually every key retail and capital note transaction in recent times. We have been rated as the No.1 Debt House in Australia and New Zealand by the Peter Lee 2013 Survey and No.1 on the 2012 AUD Listed Debt League Table (including self-led deals) by KangaNews. We offer a diverse range of ASXlisted debt securities across the risk spectrum, including capital notes, subordinated notes, senior unsecured bonds and convertible bonds. These securities pay a fixed or floating income return and some offer the investor the option to convert into equity (shares) of the issuing company at specified times. NAB Custody Bond Service The NAB Custody Bond Service provides you with a custodial service to transact, hold and administer your bond portfolio. NAB is a major participant both in primary issuance and secondary market trading in the following fixed income areas/sub asset classes: Negotiable Certificate of Deposit: Issued at a discount to face value. They can be sold prior to maturity. These certificates offer investors a high level of liquidity. There is a minimum investment of AUD$1,000,000. Promissory notes/commercial paper: day terms; priced at a discount to face value. The margin is dependent on the issuer s credit rating, liquidity and term to maturity. There is a minimum investment of AUD$1,000,000. Commonwealth and semi government bonds: Usually a fixed semi-annual coupon is paid for the term of the investment. With terms of up to 20 years, they offer a high degree of liquidity. Corporate bonds: NAB also offers investors an opportunity to purchase corporate bonds usually from AAA to BBB issuers. The term of the bonds can range up to 10 years and usually pay a fixed semi annual coupon. Floating rate notes: These instruments offer investors a floating rate of return i.e. a margin over the Bank Bill Swap Rate. The term can range up to 10 years with coupons paid quarterly. Equity tailored products: We offer a range of equity tailored product options designed to give investors an alternative way to manage equity income returns: Collars Puts/calls NAB Equity Referenced Term Investments (NERTI) Property NIIS provides access to a variety of property investment options (both ASX-listed and unlisted) for investors seeking to diversify their income sources. 3

6 NIIS Healthscope II $305,000,000 5 Year 2013 Arena REIT $75m Initial Public Offering Manager June 2013 SCA Property Group $472m Initial Public Offering Co-Manager November 2012 Macquarie Group Limited $580,000,000 5 Year Mandatory CPS Bookrunner 2013 AGL Energy $650,000, NC 7 Year 2012 Insto: 2011 Hybrid Deal of the Year Woolworths II $700,000, NC 5 Year 2011 Suncorp $770,000, NC 5.5 years Joint Bookrunner 2013 Crown $532,000, NC 6 Year 2012 Peet $50,000,000 5 Years Convertible Arranger, Joint Lead Manager & Underwriter 2011 NAB Convertible Preference Shares $1,514,000,000 Perpetual 8 NC 6 Year Convertible Preference Shares Sole Arranger, Joint Lead 2013 Caltex $550,000, NC 5 Year 2012 Westfield Retail Trust Public Offer $2.8bn Manager December 2010 How does NAB Income & Investment Solutions benefit you? Safety and security: Backed by the strength of NAB, the NIIS team combines innovation with quality to provide secure investment options that offer certainty of returns. Solution diversity: Our comprehensive range of deposit alternatives represent an opportunity to diversify away from traditional deposits so you can match income solutions with business requirements. Easy access to innovative portfolio solutions: We provide easy access to a wide range of solutions that can be tailored to match your cash flow needs. Client-driven solutions based on real client experience: Our comprehensive range of deposit and fixed income solutions products is based on our deep understanding of what you need. Choice and flexibility: Our comprehensive range of solutions offer the flexibility to choose the combination of products that is most relevant to your financial goals. Local and global experience: With over 100 years experience in financial markets both locally and around the world, we bring a wealth of insight and capabilities to the income investment products available to you. 4

8 For more information please contact a NAB Income & Investment Solutions representative listed below. NSW Geoff Short Head of investment Solutions for Business Banking Phone: Mobile: geoff.j.short@nab.com.au Ernest Sacco Director Mobile: ernest.sacco@nab.com.au Noel Whyte Director Mobile: noel.whyte@nab.com.au Ben Cavanagh Phone: Mobile: ben.cavanagh@nab.com.au Tarcisia (Ita) Sugija Dealer tarcisia.sugija@nab.com.au VIC/TAS Bill Andrikopoulos Senior Sales Director Phone: Mobile: bill.andrikopoulos@nab.com.au Brad Rutz Phone: Mobile: bradley.j.rutz@nab.com.au Alana Carratelli Phone: Mobile: alana.r.carratelli@nab.com.au WA Carol Whitworth-Hird Phone: Mobile: carol.whitworth-hird@nab.com.au Tarnya Fowler Associate Phone: Mobile: tarnya.fowler@nab.com.au QLD Upul Jayaweera Phone: Mobile: upul.jayaweera@nab.com.au Ernest Sacco Director Mobile: ernest.sacco@nab.com.au Noel Whyte Director Mobile: noel.whyte@nab.com.au SA/NT Bill Andrikopoulos Senior Sales Director Phone: Mobile: bill.andrikopoulos@nab.com.au 2014 National Australia Bank Limited ABN AFSL and Australian Credit Licence A

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