Strategic Partners

Crestone Wealth Management

Our strategic partners are world leading international and domestic financial institutions: Commonwealth Bank of Australia, Credit Suisse, Northern Trust and UBS—as well as market leading technology provider Avaloq

Our strategic partnerships enable us to offer wealth management advice and portfolio management solutions that are both agile and scalable, covering a wide range of asset classes and investment opportunities both locally and internationally.

In addition to arrangements with these strategic partners, existing agreements between specialist investment managers and UBS Wealth Management also continue with Crestone Wealth Management. These include the provision of investment models under the Discretionary Portfolio Management Service—such as UBS Asset Management, Magellan Asset Management and Lazard Asset Management.

UBS Group provides us with domestic and international securities execution, clearing and settlement services, global investment research, access to capital markets offers and certain discretionary portfolio management investment models and managed funds.

In Australia and New Zealand, UBS Group provides comprehensive investment banking and asset management services to corporates, institutions and governments by combining local insight and credentials with the firm’s global franchise. UBS consistently maintains its position as a leading corporate adviser, capital markets and equities franchise in Australia.

www.ubs.com

Commonwealth Bank of Australia (CommBank) provides transaction banking and multi-currency cash management services, foreign currency trade execution and cash accounts for our clients in 15 currencies.

Real-time banking gives us and our clients control and immediate visibility into cash transactions. CommBank provides Crestone Wealth Management with a dedicated 24-hour service team backed by technical teams and product specialists for day-to-day advice and problem resolution. Our clients also benefit from the security of Australia’s largest financial services network and one of the most robust and high-volume transaction banking platforms in the southern hemisphere.

www.commbank.com

Credit Suisse External Asset Managers (Credit Suisse EAM) provides approved wholesale clients with multi-asset, multi-currency margin lending, term loans, term deposits, foreign currency accounts with overdrafts and trading in foreign currency forward contracts. Credit Suisse also provides custody services to our margin lending clients.

The Credit Suisse Group is a leading financial services organisation with a market capitalisation of over CHF43 billion and strategic assets under management in its Private Bank & Wealth Management global business of over CHF1,214 billion as at the end of 2015. Founded in 1856 with headquarters in Zurich, Switzerland, Credit Suisse has operations in over 50 countries and has been in Australia since 1960. Credit Suisse is an industry leader in providing services for external asset managers or EAM.

www.credit-suisse.com

Northern Trust is our principal sub custodian and the registered holder of the large majority of assets held in trust by Crestone Wealth Management for our clients as the beneficial owners. We have also appointed Ausmaq Limited as a specialist sub-custodians for domestic managed funds and Australian dollar term deposits.

Northern Trust is a global leader in delivering innovative investment management, asset and fund administration, fiduciary and banking solutions to corporations, institutions and affluent individuals. As of 30 September 2015, Northern Trust had USD120 billion in banking assets, USD6.0 trillion in assets under custody, and USD887 billion in assets under management. Northern Trust was the fifth largest custodian of assets under custody for Australian investors as at 30 June 2015 with AUD239 billion.

www.northerntrust.com

Avaloq provides our wealth management platform, Avaloq Banking Suite. This platform records all aspects of client accounts, asset holdings and transactions and interfaces directly with our securities dealing, cash management, lending and custody partners for transacting, settling, reconciling and reporting on client portfolios. We believe our partnership with Avaloq provides a platform from which our investment advisers can operate that is without equal in Australian wealth management.

Established in 1985, Avaloq is a technology driven financial services providers for wealth management, universal and retail banks. Avaloq serves more than 450 financial institutions in the most demanding financial centres around the world.

www.avaloq.com

We refer to these parties as our Strategic Partners however they are not technically in a legal partnership arrangement with us, we use this term as our agreements with these parties are core to our operating model. For details of our key service providers in relation to the provision of products and services under our terms and conditions please see Our key Service Providers.