|Etienne Bernard, Head of Transaction Services, EMEA, RBS|
Disclaimer The Royal Bank of Scotland plc (RBS), The Royal Bank of Scotland N.V. (RBS NV) and RBS Citizens, N.A. (Citizens Bank or Citizens) are subsidiaries of The Royal Bank of Scotland Group plc (RBS Group). With RBS Group and other subsidiaries and affiliates of RBS Group they are referred to here as RBS Group Members. Charter One is a division of Citizens. No representation, warranty or assurance of any kind, express or implied, is made as to the accuracy or completeness of the information contained in this document and the RBS Group Members accept no obligation to any recipient to update or correct any information contained herein. The information in this document is published for information purposes only. Views expressed herein are not intended to be and should not be viewed as advice or as a recommendation. You should take independent advice on issues that are of concern to you. This document does not purport to be all inclusive or constitute any form of recommendation and is not to be taken as a substitute for the recipient exercising his own judgment and seeking his own advice. This document is for your private information only and does not constitute an analysis of any potentially material issues nor does it constitute an opinion to buy or sell any investment. Prior to entering into any transaction, you should consider the relevance of the information contained herein to your decision given your own investment objectives, experience, financial and operational resources and any other relevant circumstances. No RBS Group Member, nor any other person, shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits, arising in any way from the information contained in this communication. The Royal Bank of Scotland plc is registered in Scotland No. 90312. 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Dubai International Financial Centre: This material has been prepared by The Royal Bank of Scotland plc and is directed at Professional Clients as defined by the Dubai Financial Services Authority (DFSA). No other person should act upon it. The financial products and services to which the material relates will only be made available to customers who satisfy the requirements of a Professional Client. This document has not been reviewed or approved by the DFSA. Qatar Financial Centre: This material has been prepared by The Royal Bank of Scotland N.V. and is directed solely at persons who are not Retail Customer as defined by the Qatar Financial Centre Regulatory Authority. The financial products and services to which the material relates will only be made available to customers who satisfy the requirements of a Business Customer or Market Counterparty. RBS and its affiliates, connected companies, employees or clients may have an interest in financial instruments or products of the type described in this document and/or in related financial instruments or products. Such interest may include dealing in, trading, holding, or acting as market-makers in such instruments and may include providing banking, credit and other financial services to any company or issuer of securities or financial instruments referred to herein. The daisy device logo, RBS, and The Royal Bank of Scotland are trade marks of RBS plc and the RBS Group Members. Copyright 2013 RBS. All rights reserved. This communication is for the use of intended recipients only and the contents may not be reproduced, redistributed, or copied in whole or in part for any purpose without RBS plc's prior express consent. RBS acts in certain jurisdictions as the authorised agent of RBS NV and RBS NV acts in certain jurisdictions as authorized agent of RBS plc.