A presentation providing details on our tailored relationship Business and Private banking offering and recent deal completions.

1. Bolton Financial Solutions Centre
April 2012

2. About us.
Clydesdale Bank & Yorkshire Bank
Clydesdale Bank was established in 1838 in Glasgow and has a proud
history of innovation and support for Scottish industry and communities
as well as a growing presence in London and the South of England.
Yorkshire Bank, which has a strong personal customer base and a
growing business capability in the North of England and the Midlands,
was founded in 1859 in Halifax, West Yorkshire.
With a combined network of 337 retail branches and 73 Financial
Solutions Centres, both Clydesdale and Yorkshire Banks are members of
National Australia Bank Group.

3. Clydesdale Bank and Yorkshire Bank are members of the National Australia Bank Group (NAB). With almost 11 million
banking customers, NAB is one of the world's top financial services companies.
National Australia Group is an international financial services organisation that provides a comprehensive and integrated
range of financial products and services. The Group is structured around regional banking and wealth management
operations and an international capital markets and institutional banking business.
About us.

4. • Our consistent strategic direction has kept our business and reputation strong during the toughest
trading conditions in post-war memory
• Our clear focus remains on maintaining our strong capital position and supporting customers
• We intend to continue playing to our strengths by driving shareholder value and supporting the
communities in which we operate
• The UK operations are built on robust foundations and remain very well positioned to capitalise on
future growth opportunities.
Strength behind our partnership.

5. Supporting our customers
and communities.
Local deposits lodged with us are used to fund local lending – great news for local
economies and business communities.
Key highlights from our results for the full year ended 30th September:
Financial performance
• Underlying profits up 4% to £533 million
• Pre-tax cash earnings up 45% to £237 million
• Retail deposits and longer term wholesale funding cover 94% of lending; Retail Cover Ratio 70% .
Customer support
• £7.5 billion of new business and mortgage lending in the past 12 months
• £12.2 billion of new lending advanced in the past two years – well ahead of the £10 billion two year pledge made in
October 2009
• Average gross loans and acceptances stable at £33 billion
• Average retail deposit volumes up £200 million to £23.3 billion.
The results shown in this document relate to the National Australia Bank Group’s UK Banking division for the full year ended 30 September 2011. Comparative results
relate to the full year ended 30 September 2011. The UK Banking division consists of banking and wealth management activities in the UK operating under Clydesdale
Bank and Yorkshire Bank brands. It does not include NAB’s wholesale banking operations in the UK. Cash earnings exclude fair value and hedge ineffectiveness
income/expense and significant items. A full definition of cash earnings is set out in the NAB Profit Announcement under Glossary of Terms. The results above are those
of the NAB UK Banking division and are not those of Clydesdale Bank PLC. For further details, please refer to the National Australia Bank’s 2011 Half Year Results
available on the Group website: www.nabgroup.com

6. Specialist expertise.
Focused on your needs and delivered locally

7. What this means for our members.
Connecting People.
Local decisions, local focus.
Quick decision making with in-house Credit
Local deposits are used for local lending.
Members Network.
Members Network can help you build your own valuable
connections by putting you in touch with a whole range
of organisations across the UK.
Leverage our global capability.
Access solutions across the globe through us.

8. What this means for our members.
Creating Partnerships.
A true partnership approach.
We put the member at the heart of all we do
A dedicated Relationship Partner with direct
access to a team of specialists.
A full range of bespoke, integrated financial solutions.
Individually designed for each member.
Using our contacts.
In the local network, across the UK and globally to build the networks of our members.

9. What this means for our members.
Delivering Real Value.
Free use of conference and meeting room facilities.
UK wide network of Financial Solutions Centres.
Local networking events.
Access to industry experts, the Bank’s Chief Economist,
and local discussion forums.
Convenience.
Your business and personal banking within one location.
Sound local advice.
In a timely manner every time.
Full relationship pricing.
Tailored to reflect the whole relationship.

10. Recent deal completions

11. A safe place for growth.
Deposits - What we can offer.
Safe, strong & secure – we have kept our business safe and secure –
our conservative prudent and relationship based banking model continues
to differentiate the Bank.
Our business prides itself on its ability to price your deposits based on
the whole relationship we enjoy with you as a member of the bank.
By understanding your business and personal needs we will recommend a
number of options available to you and our Specialist Deposit team, who
understand the market, will be able to tailor an individual deposit solution for you.
Our ultimate aim is to maximise your return on credit balances and provide you
with competitive rates of interest to meet with cash flow requirements.

12. Deposit Solutions - Business.
Need Solution Benefits
Instant Access Business Choice Minimum Opening £1
Flexibility – day to day cash flow with option for overdraft
Credit rate linked to Base Rate.
Short Term Notice Period Base Tracker Plus –
15 Day Notice
Minimum opening balance £1m
Free Chaps Payments
Tiered tariff – the more you invest the better your return
Rates may be agreed on an individual basis.
Medium Term Notice Period 30 Day Business Notice
95 Day Business Notice
Open an account with just £500
Tiered tariff – individual rates may be agreed
Interest calculated daily and paid monthly
Same day transfer into a Clydesdale Bank/Yorkshire Bank
Account.
Open an account with £500
Tiered tariff – the more you invest the better the return
Interest calculated daily and paid monthly
Certain deposit types excluded*.
Professional Practice Professional Firms
Client Account
Interest bearing current account
Interest rates available upon request.
Business Term Deposits / Money
Market
Fixed Term
Deposits/Treasury
Deposits from £5k - £5m for a fixed term
Guaranteed interest rate
Available for Sterling and a number of currencies
Tailored interest rate dependant on size and term of deposit.
Cash Management Solutions: designed to manage your cash flow requirements.
*Product eligibility detailed in full within Product Fact Sheet and Terms and Conditions.

13. Release your working capital.
• Improved business cash flow
• Potential for provision on a confidential basis
• Flexible solution tailored to your business needs
• No requirement for additional security
• Simple charging structure, with no hidden charges
• Real time funding
• Easy administration through our Invoice Finance Direct online system
• Credit protection option for further peace of mind
• Export funding available in multiple currencies.
Credit Protection.
• Protects from debtor failure or protracted customer default
• Protects cash flow & profits
• Available for domestic and overseas trade debtors
• Flexible terms available tailored to your individual risk profile
• Dynamic credit information provides early warning signs
• Peace of mind.
Invoice Finance.

14. Asset Finance.
Competitive solutions tailored to meet
your individual needs and free up your
working capital.
• Cash injection – frees up your day-to-day capital to use in
more productive ways
• Asset Life – repayments structured in line with the income the asset will
generate during its working life.
• Planning – agreed repayment structure makes budgeting easy
• Control – prearranged finance gives the freedom and flexibility of a cash buyer
• Flexibility – repayment options to suit your cash flow
• Innovation – stay up to date and benefit from the latest technology, plant & equipment
• Protection – choose a fixed rate for greater certainty on future repayments.

15. Need Solution Benefits
Finance new assets
with the freedom and
flexibility of a cash
buyer
Hire Purchase • Purchase an asset without having to pay the full amount up front
• Low initial outlay & flexible payment patterns
• No VAT on repayments
• Own the asset on agreement maturing & payment of a nominal
completion fee
Acquire further
assets without
significant outlay
Lease • Full use of asset with no capital outlay or up front deposit needed
• Choice of flexible payment patterns
• Receive some proceeds from the asset sale at the end of the term
Flexible finance for
farm assets
Agricultural
Asset Finance
• Buy farm equipment, motor vehicles and business equipment
• Seasonal repayment profiles available
• Freedom & flexibility of a cash buyer with pre-arranged finance
Use Euro Income to
repay your Euro
Borrowing
Euro Funding • Reduce exchange rate risk with flexible rates
• Available to Hire Purchase
• Assets can be invoiced in Euro or Sterling
Your Needs / Our Solutions.

16. Treasury Solutions: What we offer.
The opportunity to manage your company exposure to market risk and
safeguard your bottom line.
• Locally based Treasury Solutions Partners
• Dedicated pro-active relationship management
• Market experts backed by the resources and global research of the National Australia Bank Group
• Solutions to meet the member’s level of acceptable risk.
• The possibility to restructure given market movements or changes in circumstances

17. Risk Management.
Risk management: designed to protect your business.
There may be a charge for some of the Treasury Solutions described.
Need Solution Benefits
Protection from currency
fluctuations
Foreign Exchange
Solutions
 Choose one-off or regular transactions
 Competitive market rates for Spot and Option-Dated Forward
Contracts or FX Swap transactions.
Greater control over foreign
exchange transactions
Currency Risk
Management
 Protects by hedging currency
 Zero or low cost structures available
 Minimum amount £100,000 . Maximum amount unlimited.
Protection from commodity
price fluctuations
Commodities  Energy, metals and agricultural commodity derivatives
 Reduces the financial impact of price volatility.
Protect cash flow against
interest rate risk
Interest Rate Risk
Management
 Provides known maximum interest rate for greater control
 Flexibility - available as an embedded loan structure or on a
stand alone basis.
Maximise returns for
surplus funds
Treasury Fixed Term
Deposits
 Deposits over £50,000 for a fixed term of your choice
 Guaranteed interest rate linked to Money Market
 Available for a number of currencies or multiple currencies
 Tailored interest rate dependant on size and term of deposit.

18. Banking services.
• Accounts & Deposits
• Mortgages
• Credit Cards.
Private Banking.
Additional.
• Treasury
• Asset Finance Solutions
• Offshore Banking
• Discretionary/Advisory Portfolio Management
• Migrant Banking Solutions.
Our Private Partner can work with you to provide the right
solutions to help you achieve your goals in life.
What you can expect.
Wealth management.
• Taxation Solutions
• Retirement Planning
• Investment Management
• Will Writing
• Trust & Estate Planning.
Insurance packages.
• Protection Insurance
• General Insurance.
• A superior service that’s as individual as you are
• Direct access to a dedicated manager
• Solutions structured to meet your individual needs
• Truly personal service.
• A world of banking benefits, all under one roof

19. Clydesdale Bank & Yorkshire Bank Private
Banking is offered to:
• individuals earning £75,000 or more
• partnerships jointly earning £100,000 or more
• individuals or partnerships with investable
assets* of £100,000.
A monthly membership fee of £25 is applied to your Private Banking
current account for this relationship managed service**
Becoming a private member.
*”Investible Assets” excludes main residential property, pension or shares held in private limited companies, but can include investment
properties and holiday homes. Subject to status, applicants must be aged 18 or over and the account holders salary must be paid into their
Private Account. **Further fees may also be incurred, depending on which products you request, including fees in connection with requests for
unplanned borrowing. Full details are available at www.cbonline.co.uk | www.ybonline.co.uk

20. Independent Financial Advice.
Solutions for
Charities &
Trustees
Detailed
Retirement
Planning
Protection for
Business and
Personal
Tax
Consideration
Investment
Strategies
IFA Partner
Relationship
& the Future
Specialist
Partners
Professional
Partners
Strength of
Proposition
A full understanding
of your Financial
Goals
Preserving
your Wealth
How we can meet all of your financial needs?

21. Why you should seek advice.
• The current economic climate has prompted individuals to review their financial situations and consider more
carefully where they go for financial advice
• Recent changes to tax rules mean that it is important you understand how you may be impacted and what we can
do to minimise the impact to you
• Legislative and Regulatory changes have and will continue to shape how advice is provided.
How we can help.
As your IFA you can benefit from:
• Size of the organisation
• Strength of our proposition
• Our skills and expertise.
To remove the burden of uncertainty which comes with changes in taxation and as new solutions are introduced
into the market.
Working together we can make sure the strategies we agree are right for you now and in the future.
Independent Financial Advice.

22. Switch to us.
Moving your business account to us is easy.
• Dedicated switching team
• Take you through step by step to transfer your accounts from your existing bank
• Deal with all the forms to set up your new accounts
• Simple and smooth process
• Support to get BusinessOnline set up
• Keep you informed.

23. Thank you.
Ian Hardman
Managing Partner
Bolton Financial Solutions Centre
3rd Floor, Huntingdon House
3 Princess Street
Bolton
BL1 1EH
Telephone: 01204 551200
Mobile: 07802 370935
E-mail: ian.hardman@eu.nabgroup.com
www.cbonline.co.uk | www.ybonline.co.uk
Yorkshire Bank Bolton Financial Solutions Centre

24. Disclaimer
IMPORTANT NOTICE: So far as the law and the Financial Services Authority Rules allow, Clydesdale Bank PLC (trading as Clydesdale Bank and
Yorkshire Bank) ("the Bank") disclaims any warranty or representation as to the accuracy or reliability of the information and statements in this
Document. The Bank will not be liable (whether in negligence or otherwise) for any loss or damage suffered from relying on this Document. This
Document does not purport to contain all relevant information. Recipients should not rely on its contents but should make their own assessment and
seek professional advice relevant to their circumstances. The Bank may have proprietary positions in the products described in this Document. This
Document is for information purposes only, is not intended as an offer or solicitation, nor is it the intention of the Bank to create legal relations on the
basis of the information contained in it. No part of this Document may be reproduced without the prior permission of the Bank. This Document is
intended for Investment Professionals (as such term is defined in The Financial Services and Markets Act 2000 (Financial Promotion) Order 2001)
and should not be passed to any other person who would be defined as a private customer by the rules of the Financial Services Authority ("FSA") in
the UK, or to any person who may not have experience of such matters. Issued by Clydesdale Bank PLC (trading as Clydesdale Bank and Yorkshire
Bank), incorporated in Scotland with registered number SC001111 and whose Registered Office is at 30 St Vincent Place, Glasgow G1 2HL.
Clydesdale Bank PLC is authorised and regulated by the Financial Services Authority. Credit facilities other than regulated mortgages are not
regulated by the Financial Services Authority.