The ability to manage working capital and debt requirements is a key component of successful business management. Flexibility of capital is particularly important in an industry as volatile and cyclical as the agribusiness sector.

Rabobank's business banking solutions are designed with flexibility and the client's specific requirements in mind. They include:

• Working capital finance for year-round requirements
• Seasonal finance to meet additional cashflow requirements at key points in the business cycle
• Long-term funding for plant and building development
• Refinancing to improve debt structuring - up to 10 year periods
• Issuing of bank guarantees to facilitate provision of overdrafts

Equipment Finance

Equipment finance is becoming increasingly essential for food & agribusiness operations looking to make the best use of their available resources.

Through Rabo Equipment Finance Limited, Rabobank offers one of the most flexible equipment finance packages available to the sector, with payments structured to accommodate the seasonality of your business income. It provides competitive and potentially tax effective ways of financing essential plant and equipment.

These include:

• Asset leasing
• Hire purchase finance
• Operating leases

Equipment finance is available for a broad range of plant and equipment used in food & agribusiness operations, including vehicles, manufacturing plant and storage equipment. Finance is also available for acquisition or refinancing of quality used plant and equipment, subject to age limitations.

Trade and Commodity Finance

Rabobank's trade finance capabilities facilitate successful import and export transactions worldwide, based on accurate information and speed and with the support of our extensive international network.

We offer tailor-made packages and facilities to meet clients' specific trade finance needs - whether exporting or importing - including:

• Working capital / asset backed finance, including discounting of export receivables covered by EFIC Insurance and similar insurance companies
• Documentary letters of credit
• Documentary letters of credit confirmation (bank and country risk cover)
• Documentary collections
• Foreign currency accounts
• Telegraphic transfers
• Limited recourse receivable financing
• Structured on or off balance sheet stock finance
• Cross border trade finance structures

Financial Markets

In line with the increasing significance of risk management for Australian agriculture, Rabobank provides access to a range of products and services to help its clients manage the risks associated with making and receiving payments in foreign currency, loan interest rate fluctuations and commodity trading:

• Interest rate hedging, enabling you to fix your interest rate costs
• Foreign exchange facilities
• Exchange traded commodity futures & options
• 'Over the counter' commodity risk management

Rabobank operates a foreign exchange desk in Sydney, operating on Australian and New Zealand business days during trans-Tasman business hours. We also have facilities to monitor and execute orders through our London desk after hours.

Advisory Services

A specialist service to the food and agribusiness sector, Rabobank's Corporate Clients team works as a long-term trusted advisor to the Bank's key middle-market and corporate clients.

The team is highly skilled in project management, negotiation and execution of deals and places utmost importance on client trust and confidentiality.

They advise on and arrange:

• Strategic mergers, acquisitions and divestments
• Trade sales
• Equity raisings - private and public
• Coordination for third-party debt arranging
• Corporatisations
• Privatisations

Through our strong linkages to Rabobank's mergers & acquisitions network throughout Europe, the Americas and Asia, our M&A specialists are experienced in identifying opportunities and executing cross-border deals for clients.

Deposits

Rabobank is one of the few financial institutions with the highest possible credit rating of AAA, offering investors the security associated with such a rating. Rabobank Deposits are reinvested in all areas of Australian and New Zealand agriculture and form an important part of our commitment to the food & agribusiness industry.

We monitor interest rates daily to ensure market-competitive rates. There are no bank charges or service fees on any of our deposit investments (Government taxes may apply). Rabobank offers a range of wholesale deposit options, for investments of $20,000 and above.

For further information please contact Tel: +61 2 9234 4251 or email sydney.business@rabobank.com.

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