North America at a Glance

Retail BankingCoverage

Hawaii

Calgary

San Francisco

BancWest HQ-SF

Dallas

Houston

McLean

King of Prussia New York City/ Jersey City

Boston

Montreal

Toronto

Chicago

BNP Paribas has had a presence in North America since the late 1800s, and the region is a key hub for the Bank’s global network of 75 countries and nearly 185,000 employees.

BNP Paribas offers its clients a comprehensive range of banking and investment advisory services through three main business lines:

� Corporate & Investment Banking provides financing, advisory and capital markets services to corporates, investors and institutional clients. The Bank’s services are provided via four core business lines: Fixed Income, Global Equities and Commodity Derivatives, Corporate Finance and Corporate Banking. Clients are at the core of all of BNP Paribas’ services, and through developing and managing long-term relationships, the Client Coverage and Investor Relationship Management (IRM) teams focus on enabling bankers to provide streamlined services to clients while advising them on a product-neutral basis.

� Retail Banking in the US includes both branch networks and a range of other specialized financial services. BancWest Corp., a wholly owned subsidiary of BNP Paribas, is the holding company for Bank of the West and First Hawaiian Bank, which serve nearly 3.5 million household and business accounts.

� Investment Solutions provides the complete portfolio of integrated investment services available from BNP Paribas for private and institutional investors, including Asset Management, Securities Services and Real Estate Services through Transwestern.

September 2014

North America Activities

North America LocationsAwards• No. 1 Credit Products Globally, Risk

Institutional Investor Rankings 2014

• No. 1 Ranking among Global Prime Brokers Three Years Running: Global Custodian Survey 2012-2014

• Base Metals House of the Year and Oil & Products House of the Year 2014, Energy Risk Magazine

• Best Broker-Dealer - Client Service, Wall Street Letter Institutional Trading Awards 2013-2014

• Best Flow House for Western Europe, 2014 Euromoney Awards for Excellence

• Best Bank for Cash Management and Trade Finance in Europe, 2014, Treasury Management International

Corporate & Investment Banking Retail Banking Investment Solutions400 employees in Investment Solutions12,000 employees in Retail Banking

15,000 employees across the Group in the U.S. and Canada

3,500 employees in Corporate & Investment Banking

A Responsible BankBNP Paribas is committed to being a responsible bank, and places Corporate & Social Responsibility at the heart of its corporate strategy, culture and values. The Bank’s North America CSR program carries a strong focus on business ethics, diversity, product innovation to finance a sustainable economy, environmental awareness, climate change research, pro bono services and philanthropy.

The Bank conducts a robust volunteer program through long-standing relationships with local community groups, and also partners with schools and organizations to offer financial education and grants to students. In 2013, BNP Paribas North America committed $1 million to Superstorm Sandy relief efforts and provided employee volunteer opportunities in New York City and surrounding areas. In this regard, it was named “2013 Corporate Partner of the Year” by Jersey Cares. As a group in 2013, the Bank made approximately $8 million in philanthropic contributions in the U.S.

Partners include:

About the BNP Paribas Group

Whether in North America, Europe or across the globe, BNP Paribas is committed to providing clients with the banking solutions they need to achieve their goals. BNP Paribas ranks highly in its three core activities: Retail Banking, Investment Solutions and Corporate & Investment Banking. In Europe, the Group has four domestic markets (Belgium, France, Italy and Luxembourg) and BNP Paribas Personal Finance is a leader in consumer finance. BNP Paribas is also developing its integrated banking model across Mediterranean basin countries, in Turkey, in Eastern Europe and through a large network in the western United States. Its Corporate & Investment Banking and Investment Solutions activities are among the leaders in Europe and boast a strong presence in the Americas, as well as a solid and fast-growing business in Asia-Pacific.

Committed to Tennis and the ArtsBNP Paribas is the leading partner of tennis worldwide. The Bank’s sponsorship in the US includes the BNP Paribas Open in Indian Wells, California, the largest and most well-attended tennis tournament in the world outside of the Grand Slam events, and the BNP Paribas Showdown, an annual exhibition tournament held at Madison Square Garden in New York City that features some of tennis’ top stars. The Bank combines its passion for the game with its commitment to Corporate and Social Responsibility by financing educational and social events linked to tennis.

BNP Paribas is also an active supporter of the arts and cultural institutions. Our corporate partnerships and sponsorships include MoMA, New Museum, Museum of Arts and Design (MAD), and Films on the Green Festival in New York, as well as the Liberty Science Center in New Jersey and the Montreal Museum of Fine Arts.

Group Facts & Figures

eur 38.8 BILLIONRevenue for 2013

eur 4.8 BILLION

net income attributable to share holders

for 2013

10% CORE TIER

1 RATIOas of

6/30/14

Ratings

A+

Standard & Poor’s Last Review July 3, 2014

A1

Moody’sLast Review July 1, 2014

A+

Fitch Last Review

July 17, 2014

DISCLAIMERThis document has been prepared by BNP PARIBAS for informational purposes only. Although the information in this document has been obtained from sources which BNP PARIBAS believes to be reliable, we do not represent or warrant its accuracy, and such information may be incomplete or condensed. This document does not constitute a prospectus or solicitation and is not intended to be and must not be the sole basis for any evaluation of the securities discussed herein. All estimates and opinions included in this document constitute our judgment as of the date of the document and may be subject to change without notice. Changes to assumptions may have a material impact on any recommendations made herein. BNP PARIBAS or its affiliates may, from time to time, have a position or make a market in the securities mentioned in this document, or in derivative instruments based thereon, may solicit, perform or have performed investment banking, underwriting or other services (including acting as adviser, manager or lender) for any company, institution or person referred to in this document and may, to the extent permitted by law, have used the information herein contained, or the research or analysis upon which it is based, before its publication. BNP PARIBAS or its affiliates will not be responsible for the consequences of reliance upon any opinion or statement contained herein or for any omission. This document is confidential and is being submitted to selected recipients only. It may not be reproduced (in whole or in part) to any other person without the prior written permission of BNP PARIBAS. Any U.S. person receiving this presentation and wishing to effect a transaction in any security discussed herein, must do so through a U.S. Registered broker dealer. BNP PARIBAS Securities Corp, a subsidiary of BNP Paribas Financial Services, is a member of the NASD and SIPC, and a U.S. registered broker-dealer with the U.S. Securities and Exchange Commission. ©2014 BNP PARIBAS. All rights reserved.

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