Cornèr Bank Group. Products and services for private Clients. Your values, our values.

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1 Cornèr Bank Group Products and services for private Clients Your values, our values.

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3 Basic services 2 Private Banking 4 Markets 7 Credit and commercial 8 Cornèronline services 9 CornèrTrader 10

4 Basic services Current account Ideal for banking transactions without limits on the amount. A current account can be opened in all main currencies. «Personal» account CHF Designed especially to receive regular income payments, the Cornèr Bank personal account allows payment orders to be carried out. «Investment» savings account CHF and EUR This is a medium to long-term savings account for investing capital sums at higher interest rates than are paid on ordinary current accounts. It guarantees Clients ample transaction freedom. «Cornèr4Young» CHF A product devised especially for young people aged 18 to 25. For further information, visit: «Young people and students» savings account CHF Designed for young people and students under the age of 25. Ideal for setting up a long-term savings plan. «Cornèr Terzo Pilastro» retirement savings account CHF Offers Clients a form of personal saving at a competitive interest rate, with significant tax advantages. 2

5 «Senior citizens» savings account CHF This is the ideal account for Clients who have reached the age of 60 and wish to deposit their savings and their income under the Swiss federal old-age and survivors insurance (AHV). «Rental Guarantee» savings account CHF This product is suitable for Clients who need to pay a rent guarantee deposit. Fixed-term deposits accounts These suit personal or business Clients who plan to invest their liquid assets for the short term, in the main currencies. Medium-term notes CHF and EUR Medium- to long-term negotiable instruments that offer interesting yields. Credit and prepaid cards In 1975, Cornèr Bank was the first bank to issue Visa cards in Switzerland. Its success, in turn, led to the launch of MasterCard, which Cornèr Bank has administered in Switzerland since Cornèr Funds Capital Accumulation A plan of automatically scheduled investments in Cornèr Bank CB-Accent Funds. The aim is to build up assets steadily from fixed sums payable periodically. 3

6 Private Banking Investment consulting This brings added value to the range of Cornèr Bank services. This wide-ranging individual consultancy is synonymous with financial expertise and wealth planning. Asset management mandate The added value brought by this service comes from research of the best medium to long-term investment opportunities, thorough analysis of the financial markets, investment quality and liquidity, as well as autonomous, flexible choice of instruments and areas of investment. Various management profiles are proposed. These offer the possibility of investing in the reference currency or in a basket of currencies, according to the Client s requirements. Asset management funds mandate This service provides the management of a highly diversified portfolio, minimising specific risk exposure. Cornèr Bank operates independently, selecting the best funds in the respective categories, thus offering high-quality portfolio management. The constant aim is to seek the most advantageous investment opportunities. Various management profiles are offered, even for modest assets, with the possibility of investing in the reference currency, or in a currency out of a specific selection, according to the Client s requirements. Dynamic Floor Management mandate This is a method of increasing Clients assets when markets rise, and protecting them when markets fall. Basically, Dynamic Floor Management mandate works via a lower limit of capital for downside protection (the «floor») and a «multiplier» for upside capture, achieved by increasing exposure to stock market investments. The Client sets these parameters, selecting from a range of models offered by Cornèr Bank. 4

7 Luxembourg funds: CB-Accent Lux (SICAV) The segments of CB-Accent Lux (SICAV) offer investment funds specialised in specific investment categories and geographical markets. The managers pursue optimum performance, working to the criteria set in the official prospectus of the SICAV, and in conformity with the laws of Luxembourg. Swiss funds: CB-Accent Income Fund This is a Swiss securities investment fund and its risk/return profile leans towards caution. Designed to optimise yields in the medium to long term, it limits dependence on the volatility of the equity markets and invests mainly in bonds. Swiss funds: CB-Accent Short Term Maturity Fund This Swiss investment fund consists of three currency segments: CHF, EUR and USD. The fund objective is to offer a return in line with short-term deposit rates in the currency of each segment. It invests mainly in short-term and treasury instruments. Third-party funds selection Selection takes place on the international market according to the bank s defined quality and quantity parameters. Private and institutional Clients can choose the products best suited to their own investment requirements. 5

8 Tax and retirement planning This Cornèr Bank service, backed by a network of external professionals, offers comprehensive advice to private Clients in all financial matters. The service offers personalised solutions that remain valid in the long term. This comprehensive financial planning consists of the following services: Wealth planning: analysis of the Clients assets situation seeking the best solution to their requirements. Due consideration is given to the legal, fiscal, shareholding and succession context. Retirement and insurance planning: review of the Clients pension provision to check that it meets their needs in the best possible way. Inheritance planning: : the bank offers specialist advice to achieve the objectives of Clients wishing to plan for the inheritance of their assets. 6

9 Markets Forex and liquidity management Cornèr Bank operates with many counterparties in the main financial centres, acting as market maker in major and exotic currencies. The service offered by the bank to its private and institutional Clients is assured by its in-house trading and customer service desks. Structured products Directly from our market room, Clients receive proposals for increasing yields, economic analyses of existing products, arrangements for new issues, private placements and market risk management. Stock market Cornèr Bank is present in all the main financial centres and is a direct member of the Swiss Exchange. Private and institutional Clients benefit from service assured by our in-house trading and customer service desks. Derivatives and commodities The bank operates in this context through Eurex and via its relationships with leading banks on the market. Contracts for Difference (CFD) CFDs make it possible to acquire shares (long) using financial leverage, or to sell short in a streamlined way. The Dealing Room specialists are available to explain the features of the product. Creation of funds and SICAV segments Through its team specialising in the investment funds sector, Cornèr Bank offers Clients the benefit of its established experience in the formation of SICAV funds and sub-funds. Evening and holidays availability The bank guarantees that staff can be contacted out of office hours and on non-working days. 7

10 Credit and commercial Mortgage loans Cornèr Bank s loans specialists consider, together with the Client, what the ideal financing method may be. This applies both to building and to acquisitions of real estate such as residential houses or apartments in condominium ownership. To determine the type of mortgage (variable or fixed rate) and its duration, our consultants are available to assess the market situation and make forecasts for the future. Lombard loans Cornèr Bank offers the facility of taking out Lombard loans, with a view to increasing the funds at clients disposal. This enables Clients to extend and diversify their own investment strategies. 8

11 Cornèronline services Information on your accounts and investments By using Cornèronline, Clients are able to check their financial situation wherever and whenever they choose. The main features are: access to account and transaction information in real time, detailed consultation of electronic account statements, asset valuation in PDF format and notifications relating to new documents and/or suspended activities. Payments The «payments» function enables Clients to place various types of national or international orders, or orders in favour of Cornèrcard cards with the utmost speed and security, thus making a considerable saving on the cost of transactions. It is possible to carry out single and permanent orders, make use of payment models, organize them according to category and manage the status of orders at any point. Complementary services The Cornèronline system provides for the activation of DTA services for the transmission of large volumes of national and international transfer orders using the DTA file generated directly by the Client s accounting systems (creditor and wage accounting). The activation of the service for the receipt of incoming payment files, PVR files, provides for the efficient and effective management of Clients own debtor accounts. 9

12 CornèrTrader CornèrTrader CornèrTrader ( is an online trading platform which enables investors to trade on all the main markets of the world. It offers more than 20,000 financial instruments and provides access to the FX Spot, FX Forward and FX Options currency markets for the main currency cross pairs, as well as minor and exotic currencies. All the main futures contracts on the Asian, European and American markets are also available. CornèrTrader also allows transactions on many equity markets, while experienced investors can use CFDs (Contracts for Differences). The CornèrTrader team assists Clients through all the preparatory stages to become an online trader. 10

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14 Executive Board and Head Office Cornèr Bank Ltd. Branches Via Canova 16, 6901 Lugano / Switzerland Tel , Fax [email protected] Chiasso Via Bossi 26, 6830 Chiasso / Switzerland Tel , Fax Genève Rue de Rive 1, 1204 Genève / Switzerland Tél , Fax Locarno Via alla Ramogna 14, 6600 Locarno / Switzerland Tel , Fax Zürich Tödistrasse 27, 8002 Zürich / Switzerland Tel , Fax Agencies Cornèrcard CornèrTrader Affiliates Ascona, Cassarate, Paradiso, Pregassona Via Canova 16, 6901 Lugano / Switzerland Tel , Fax [email protected] Tödistrasse 27, 8002 Zürich / Switzerland Tel , Fax [email protected] Cornèr Banque (Luxembourg) SA 10, rue Dicks, 1417 Luxembourg / Luxembourg Tél , Fax Cornèr Bank (Overseas) Limited 308, East Bay Street, P.O. Box N-7134, Nassau / The Bahamas Tel , Fax [email protected] BonusCard.ch AG Postfach, 8021 Zürich / Switzerland Tel , Fax [email protected] 244/2014

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16 Cornèr Bank Ltd., Via Canova 16, 6901 Lugano Tel ,