Banking packages VP Bank Ltd, valid from 1 October 2015

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1 Banking packages VP Bank Ltd, valid from 1 October 2015

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3 Banking packages from VP Bank You deserve only the best for your assets: a banking partner that offers highly professional service and first-class solutions such as VP Bank s banking packages. With these you receive a selected range of services tailored to your needs and on attractive terms and conditions. Our packages include the most important banking services around the themes of paying and saving, cards and e-services. At the same time they give you exclusive additional benefits. Depending on what best suits your requirements, you can choose between three different banking packages: VP Bank Basic, VP Bank Comfort and VP Bank Premium. Your requirements Simple and suitable: you would like a package that covers your needs. Secure and time-saving: you want to do your banking at home or on the move. Convenient and practical: you appreciate the flexibility of cash-free payment. Easy to use and transparent: you would like a value-for-money banking package at a fixed price. How you benefit Selected banking services for a better overview VP Bank Maestro Card and credit card for greater freedom Modern e-services for greater convenience Attractive fixed price giving you more transparency Numerous upgrade and partner options for greater flexibility Paying and saving e-services Reporting Cards Additional benefits VP Bank Basic The package that covers the basic banking services VP Bank Comfort The package with selected services for flexible needs VP Bank Premium The package with comprehensive services for the most demanding requirements 3 VP Bank Ltd Banking packages Range of services and overview of packages

4 CHF 10 VP Bank Basic The package that covers the basic banking services VP Bank Basic is the right solution for you if your main banking needs are to do with paying and saving. With VP Bank e-banking and our state-of-the-art VP Bank e-banking mobile you can carry out your banking transactions securely and quickly from your home and while you are on the go. The package also includes the VP Bank Maestro Card, which enables you to make cash-free purchases and cash withdrawals at any time. All cash withdrawals in CHF from cash machines in Liechtenstein and Switzerland are free of charge. VP Bank Basic at a glance Available to natural persons resident in Liechtenstein or Switzerland 4 VP Bank Ltd Banking packages Paying and saving 1 private account in CHF 1 foreign currency account 2 savings accounts in CHF 150 account entries per year Payments in CHF and EUR made via VP Bank e-banking and VP Bank e-banking mobile are free of charge. 1 Cards 1 VP Bank Maestro Card Cash withdrawals in CHF from cash machines in Liechtenstein and Switzerland are free of charge. Optional extras Partner option: extra VP Bank Maestro Card for CHF 3 e-services e-banking e-banking mobile e-post Reporting Individual transaction slips and account statements via e-post Information on interest and account balances Additional benefits Your package fee will be waived for the first three months after you have signed up. You will be eligible for other VP Bank special offers. 1 Applies only to payments within the EU/EEA; for payments to other countries the fees and charges detailed in the Accounts and Payment Services brochure will apply.

5 CHF 15 VP Bank Comfort The package with selected services for flexible needs VP Bank Comfort is the right solution for you if your main requirements are flexibility and convenience. You can make cashfree purchases worldwide using your credit card and you also benefit from convenient insurance services. With the partner option you can obtain additional cards on attractive conditions. Thanks to VP Bank e-banking and our state-of-the-art VP Bank e-banking mobile you have an overview of your finances and can carry out your banking transactions whenever it suits you. VP Bank Comfort at a glance Available to natural persons resident in Liechtenstein, Switzerland, Austria or Germany Paying and saving 1 private account in CHF 2 foreign currency accounts 2 savings accounts in CHF 250 account entries per year Payments in CHF and EUR made via VP Bank e-banking and VP Bank e-banking mobile are free of charge. 1 Cards 1 VP Bank Maestro Card Cash withdrawals in CHF from cash machines in Liechtenstein and Switzerland are free of charge. 1 Silver/Classic credit card Optional extras Partner option: extra VP Bank Maestro Card and Silver/Classic credit card for a combined CHF 5 Upgrade option: Gold credit card for CHF 8 Additional services 2 24-hour assistance service Travel and aviation accident insurance Car hire on preferential terms Other attractive benefits e-services e-banking e-banking mobile e-post Reporting Individual transaction slips and account statements via e-post Information on interest and account balances Breakdown for tax purposes 3 Additional benefits Your package fee will be waived for the first three months after you have signed up. 50% price reduction on tax report 4 Additional charges for cross-border services are included (Austria/Germany). You will be eligible for other VP Bank special offers. 1 Applies only to payments within the EU/EEA; for payments to other countries the fees and charges detailed in the Accounts and Payment Services brochure will apply. 2 Dependent on the credit card provider; the general insurance terms and conditions of the relevant card issuer will apply. 3 Available to clients resident in Austria. 4 Available to clients resident in Liechtenstein, Switzerland, Austria or Germany. 5 VP Bank Ltd Banking packages

6 VP Bank Premium The package with comprehensive services for the most demanding requirements CHF 35 VP Bank Premium is the right solution for you if you want an attractive banking package with valuable additional services and you attach great importance to flexibility and first-class service. The credit cards included in the Premium package meet your strong need for security and come with numerous insurance benefits. Because of your international mindset you require a broad range of accounts in various currencies. VP Bank Premium at a glance Available to natural persons 6 VP Bank Ltd Banking packages Paying and saving 2 private accounts in CHF 4 foreign currency accounts 2 savings accounts in CHF 400 account entries per year Payments in CHF and EUR made via VP Bank e-banking and VP Bank e-banking mobile are free of charge. 1 Cards 2 VP Bank Maestro Cards Cash withdrawals in CHF from cash machines in Liechtenstein and Switzerland are free of charge. 2 Gold credit cards 2 Optional extras Partner option: extra VP Bank Maestro Card and Gold credit card for a combined CHF 7.50 Upgrade option: Platinum credit card for CHF 30 Optional extras 3 24-hour assistance service Travel and aviation accident insurance Travel cancellation insurance Baggage insurance Car hire on preferential terms Other attractive benefits e-services e-banking e-banking mobile e-post Reporting Individual transaction slips and account statements via e-post Information on interest and account balances Breakdown for tax purposes 4 Additional benefits Your package fee will be waived for the first three months after you have signed up. 50% price reduction on tax report 5 Additional charges for cross-border services are included. You will be eligible for other VP Bank special offers. 1 Applies only to payments within the EU/EEA; for payments to other countries the fees and charges detailed in the Accounts and Payment Services brochure will apply. 2 One main card and one additional card. 3 Dependent on the credit card provider; the general insurance terms and conditions of the relevant card issuer will apply. 4 Not available to clients resident in Liechtenstein, Switzerland, Germany and the United Kingdom. 5 Available to clients resident in Switzerland, Germany and the United Kingdom.

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8 Banking package overview 8 VP Bank Ltd Banking packages Paying and saving Private accounts in CHF 1 Foreign currency accounts 1 Savings accounts in CHF 2 No. of account entries per year 150 e-banking payments in CHF/EUR within the EU/EEA free of charge Cards VP Bank Maestro Cards CHF cash withdrawals in LI/CH Credit cards (MasterCard/VISA) VP Bank Basic The package that covers the basic banking services Optional extras Partner option + 1 Maestro Card + CHF 3 Upgrade option Additional services 24-hour assistance service Travel insurance Baggage insurance Car hire on preferential conditions Other attractive benefits e-services e-banking e-banking mobile e-post Reporting Single transaction slips Account statements Information on interest and account balances Breakdown for tax purposes 1 Additional benefits VP Bank special offers Tax report Included additional charges for cross-border services Available to natural persons resident in LI/CH 1 Not available to clients resident in Liechtenstein, Switzerland, Germany and the United Kingdom. 2 Available to clients resident in Austria or Germany. 1 CHF 10

9 VP Bank Comfort The package with selected services for flexible needs CHF 15 VP Bank Premium The package with comprehensive services for the most demanding requirements CHF Silver/Classic 2 Gold (1 main card / 1 additional card) Maestro Card and + 1 credit card + CHF Maestro Card and + 1 credit card + CHF 7.50 Gold credit card + CHF 8 Platinum credit card + CHF 30 50% reduction for clients resident in CH/DE 50% reduction for clients resident in CH/DE/UK 2 natural persons resident in LI/CH/AT/DE natural persons 9 VP Bank Ltd Banking packages

10 Your contact wherever you are Have you already decided which banking package you would like? Or do you have further questions? Please do not hesitate to contact us. We will be delighted to assist. Contact us T F info@vpbank.com Visit us VP Bank AG Aeulestrasse Vaduz Liechtenstein i Further information on our banking packages can be found at 10 VP Bank Ltd Banking packages

11 Conditions of VP Bank banking packages General comments All information provided is correct at the time of publication. However, changes may occur at any time. In all other respects the General Terms and Conditions of VP Bank Ltd are applicable. Third-party charges shall generally be passed on to the client. Detailed terms and conditions for the individual products are given and additional services are described in the Accounts and Payment Services brochure. Credit cards The terms and conditions of the card issuer and the General Terms and Conditions of VP Bank Ltd are applicable. An additional check is required for the issue of credit cards. For credit cards in CHF and EUR the monthly card balance must be paid by direct debit. The credit cards referred to in the partner options for VP Bank Comfort and VP Bank Premium are additional cards which may be issued in the name of the main card holder or that of a third person. VP Bank Ltd and the card issuer shall be entitled to block the credit card at any time if the client no longer fulfils the card issue criteria. Termination of the package shall result in termination of the credit card. A switch from one package to another may likewise result in termination of the credit card. Debiting of fees The package fee shall be debited at the beginning of each quarter. If the package is terminated within the first year the fee for the entire year shall be charged. Clients may switch from one package to another at any time. Fees already paid shall not be reimbursed. Extraordinary expenses (e.g. issuance of credit card guarantee, administrative costs in the case of a change of package or manual settlement of the monthly card balance in the case of USD credit cards) shall be debited at cost. For further information, please contact your client advisor.

12 VP Bank Ltd Aeulestrasse Vaduz Liechtenstein T F info@vpbank.com