Wealth and Investment Management. Banking Services. Day-to-day banking that s anything but everyday

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1 Wealth and Investment Management Banking Services Day-to-day banking that s anything but everyday

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3 Day-to-day banking that s anything but everyday Our comprehensive banking service helps you to manage your finances effectively from almost anywhere in the world. However complex your banking needs, we can help you. With Barclays, you can have as many accounts as you need, to manage multiple currencies or to provide family members or employees with their own accounts. These are combined with the highest levels of personal service delivered by your Private Banker and the Banking Office Team, bringing in-depth wealth guidance to the day-to-day management of your money. We offer you competitive interest rates and ways to increase the yield on your liquidity. You can pay bills in multiple currencies, access credit and make transactions. We also have a range of products and services, from current accounts to term deposits, to make managing your cash easier. In addition, you also have the ability to access our banking services online 24/7, or call our Banking Office* to execute transactions. *The Banking Office is open 24 hours a day, 7 days a week except 25 December. Access to banking services may be limited in certain countries due to regulatory restrictions. 3

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5 Precision at every step The first crucial step is matching you with your Barclays Private Banker. Our Private Bankers are not just bankers; they act as intermediaries to connect you to the expertise of Barclays. Whether you need a simple banking transaction to go through quickly and efficiently, or have complex needs that require an intelligent solution, they can help. Private Bankers immerse themselves in the bigger questions that wealth poses and how it can impact on every aspect of your life. They are trained to listen to you with empathy and understand your goals and ambitions, enabling them to help you make the most effective use of your wealth. By using their extensive expertise, backed by the international resources of Barclays, they manage and optimise all your banking arrangements with a sensitivity to the demands of your business, family and residence or jurisdictional issues. Your Private Banker will be available on your terms, whether that means visiting your home or office, or communicating via phone or . 5

6 Flexible solutions forged to fit your needs Our banking products and cash management services are versatile and adaptable, enabling you to respond quickly to every eventuality. Banking Services We offer a range of flexible accounts in multiple currencies. They provide day-to-day access to your money through a number of channels, all backed by a global infrastructure. To help make the most of your cash, we offer savings accounts in sterling, euro and US dollar which are simple to open and allow you easy access to your funds. You also have the ability to open accounts either in the UK or offshore. Our savings accounts track the relevant currency base rate, so the interest rate moves automatically when the base rate changes. We can also offer separate accounts for your family members. Access to online banking is provided for most current and savings accounts, as well as 24/7* telephone access to the Banking Office, who will deal with your request end-to-end. Fast-track overdraft arrangements To manage your wealth efficiently, we recognise that you may sometimes require access to an overdraft facility. Simply contact your Private Banker. Your lifestyle may mean you need several different accounts to help make your day-to-day transactions operate more efficiently. The first account you receive is the Wealth Current Account, which is a transactional current account. To this you can add as many current accounts or interest bearing savings accounts as you need. *The Banking Office is open 24 hours a day, 7 days a week except 25 December. Access to banking services may be limited in certain countries due to regulatory restrictions. 6

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9 Firm control and careful management Efficient cash management that matches your requirements for liquidity, diversification and yield on your cash. Cash Management To help your cash generate the returns you want whilst managing risk, we can provide you with Wealth Treasury Deposits, as well as deposits with other banks and Money Market Funds. We work closely with you to help select the products that meet your liquidity, security and yield requirements. Wealth Treasury Deposits If you are looking for a fixed rate of interest on your savings and are comfortable investing your money for a predetermined time, Wealth Treasury Deposits may be a good option. They offer the opportunity to earn a higher rate of interest on your money for a fixed period of up to five years. Deposits with other banks To manage risk, you can choose to invest your money across a panel of approved banks. We will work with these banks on your behalf to handle your account administration. Money Market Funds We select Money Market Funds from leading providers that aim to provide a competitive investment return that is consistent with the security of capital and a high degree of liquidity. It is important to recognise that these funds can fall in value; they are not the same as deposits. You may get back less than you invest. Funds are available in sterling, euro or US dollar and are Aaa-mf rated by Moody s Investors Service, and AAAm rated by Standard & Poor s, the highest ratings available. The Funds invest in a diversified range of highly rated short-term debt instruments, including short-term deposits, commercial paper, certificates of deposit and floating-rate notes. 9

10 Wherever, whenever, however Cards with international coverage for all occasions. If your lifestyle takes you around the world, you need your cards to work hard for you. With a range of flexible accounts in the world s major currencies, Barclays offers a comprehensive suite of card products, giving you maximum purchasing power. Barclays Visa Infinite Card The Barclays Visa Infinite Card* offers all the features of the Barclays Wealth Card and in addition is designed to meet the needs of an international lifestyle, whether business or pleasure. We offer a dedicated Wealth Card, with bespoke credit limits, and the Barclays Visa Infinite Card, designed for an international lifestyle. Barclays Wealth Card The Barclays Wealth Card provides you with power and control over your finances. With flexible credit limits, no annual fee, and an exceptional service tailored to your needs the Wealth Card gives you access to your wealth whenever you want and wherever the Visa sign is displayed. The Barclays Visa Infinite Card is all about opening doors and simplifying your life. An annual card fee covers unlimited concierge and travel planning services, plus unlimited airport lounge access and annual worldwide travel insurance (terms and conditions apply). It is available in three currencies: sterling, euro, and US dollar, providing you with greater flexibility when travelling. You also have the option of providing additional cards to members of your family. *The creditor for the Wealth Card and the Barclays Visa Infinite Card is Barclays Bank PLC (Jersey branch). Barclays Bank PLC (Jersey branch) is regulated by the Jersey Financial Services Commission and has its principal business address in Jersey at 13 Library Place, St Helier, Jersey JE4 8NE, Channel Islands. 10

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12 Features and benefits at a glance A high level of personal service tailored to fit your individual needs Access to our specialist Banking Office Team in addition to your Private Banker 24/7 access via telephone* or internet banking to view your accounts or make banking transactions at your convenience Foreign currency accounts available in multiple currencies and supported by a global infrastructure Option to provide your family members or employees with their own accounts for your convenience The ability to open accounts in the UK or offshore Easy to arrange overdraft facilities *The Banking Office is open 24 hours a day, 7 days a week except 25 December. Access to banking services may be limited in certain countries due to regulatory restrictions. 12

13 Cash Management: Wealth Treasury Deposits: makes your money work harder over fixed periods Deposits with other banks: invest your money across a number of different banks giving you more choices for your money to meet your liquidity, security and yield requirements Money Market Funds: available in sterling, euro or US dollar to provide you with diversification for your money subject to risk to capital Our range of cards is accepted worldwide, wherever you see the Visa sign, and is available in a range of currencies, helping you avoid foreign exchange costs when travelling 13

14 Next steps For further information please contact your Private Banker or call You can also visit barclays.com/wealth For clients in the UK, Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at 14

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16 This item can be provided in Braille, large print or audio by calling * (via TextDirect if appropriate). If outside the UK please call: +44(0) **. *Lines are open 7am to 11pm UK time, 7 days a week except on bank holidays. Calls to 0800 numbers are free if made from a UK landline. **Lines are open 24 hours a day, 7 days a week except on UK bank holidays when lines are closed. Call costs may vary please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes. Barclays offers wealth and investment management products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Bank PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No Registered Office: 1 Churchill Place, London E14 5HP. Item Ref: IBIM1437. April 2014.