Banque Richelieu entities A human sized Private Bank Human sized Private Bank, Banque Richelieu Monaco focuses on private management on behalf of distinguished families of some 40 nationalities and offers them a tailored service, with high added value, by grouping together the main features of international wealth management in a single company. Our organisation focuses on our clients’ concerns. Each of them has access to dedi- cated, agile, and professional employees. Our teams work in a pragmatic and flexible environment in which decision-making is rapid with short decision-making circuits and dynamic and involved management. Our expertise Banque Richelieu Monaco, a pure private banking player, focuses on three major areas of services for its wealthy clients. Real estate financing solutions are focused on residential assets located in prime areas as well as complex transactions, accompanied by an active approach based on asset manage- ment. The tailored management of investment portfolios is organised in open architecture, a funda- mental principle of our approach. As part of geographic diversification or management strategy arbitration, our clients have access to a team of experienced managers who support them in developing their investment strategy via discretionary portfolio management or consultancy bringing together various asset classes (international equities, bonds, structured products, life assurance, investment funds, etc.). Management solutions are flexible, personalised, and driven based on strong convictions about international markets. As fully-fledged investment platform, Banque Richelieu Monaco has access to the best independent searches to carefully build our strategic directions, according to a proven methodology, for performance. Wealth management planning, the cornerstone of our support, aims to give our clients sufficient perspective and hindsight in the ownership, structuring, and transfer of financial and real estate assets in France and abroad. We work with a network of lawyers, solicitors, and recognised asset management professionals who support our clients in their perso- nal and family arrangements. 12 BANQUE RICHELIEU