Cornèr Bank Group. Your values, our values.

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1 Cornèr Bank Group Your values, our values.

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3 Cornèr Bank Group 2 The Swiss market 3 The international market 4 Private Banking 5 Credit and commercial 6 Cornèrcard 7 Markets 8 Financial Intermediaries 9 Cornèronline services 10 CornèrTrader 11 1

4 Founded in Lugano in 1952, Cornèr Bank Group is an independent Swiss private bank group operating on the national market as a full-service bank. Lugano is Switzerland s third-largest banking centre, after Zurich and Geneva. Active across the whole range of traditional banking services, Cornèr Bank Group specialises in the Private Banking sector, as well as in the areas of lending and Visa and MasterCard prepaid and credit cards (Cornèrcard) the three pillars of Cornèr Bank Group s growth saw a new addition to the Group: Zurichbased BonusCard.ch is a company engaged in the payment cards sector. he business model by which it operates is complementary to that of Cornèrcard. 2012, by contrast, was the year of creation of CornèrTrader, an innovative platform for trading online. CornèrTrader gives all Swiss investors an online access to the world s inancial markets. Clients will also receive personalised service and assistance from Account Executives specialised in this ield. he decision to keep the Head Oice and General Management situated in Lugano relects the Bank s strong link with the local economy. Over the years, Cornèr Bank has opened oices in other leading Swiss inancial centres and launched a vital process of internationalisation. he speciic aim is to diversify and extend the Bank s own range of products and services to keep pace with increasing market globalisation and a more and more cosmopolitan Clientele. As far as asset backing is concerned, Cornèr Bank Group enjoys an enviable position, holding about three times the necessary equity. his gives it a Tier-1 coeicient of 26 %. According to the world inancial statistics compiled by he Banker in 2013, Cornèr Bank Group ranks third in Switzerland in terms of capital adequacy. Cornèr Bank Group consists of the Luganobased parent bank Cornèr Bank Ltd., the four Swiss branches in Chiasso, Geneva, Locarno and Zurich, the affiliates Cornèr Banque (Luxembourg) SA, Cornèr Bank (Overseas) Limited of Nassau and BonusCard.ch AG. «We think of the Group s range of services as a whole. We exploit synergies by using trusted partners and experts» 2

5 First and foremost, Cornèr Bank Group supports and promotes the cantonal economy of Ticino. It does this by providing services and supplying products inely tuned to the speciic needs of its private and commercial Clientele. Cornèr Bank Group ofers everything from commercial loans for inancing corporate development initiatives to arranging inancial packages closely associated with personal interests. Other forms of support, in turn, are reserved for public bodies. All services, including prepaid and credit card issue and management, are handled in a uniform, coordinated way. he head oice and all other branches of the bank are not only engaged in local retail banking. hey also constantly liaise with each other in strategic and operational matters. In fact, Private Banking and business inance play a key role at all main branches, which are located in Chiasso, Geneva, Locarno and Zurich strategic areas readily accessible to both local and international Clients. Private Clients beneit from the assistance of a department specialising in investment advisory services and Private Banking, which relies on various teams of highly qualiied staf, taking full advantage of exceptional in-house synergies. «hrough product innovation and upgrading, we ofer high levels of service» 3

6 Success achieved in the Swiss inancial centre spurred Cornèr Bank Group to venture outside its national boundaries in his was the year of opening of its irst foreign ailiate, located in the Grand Duchy of Luxembourg. he aim was, and still is, to operate directly at the centre of the European Union, but with the style and rigour typical of a Swiss banking group. Cornèr Banque (Luxembourg) SA has grown steadily in both business volume and proitability. It has extended its activities to the inter-bank market, trading with highly ranking counterparties. he export of know-how, gained from asset management and Private Banking, proved to be a winning formula. In 1996 it was successfully applied once again to establish a foothold for the bank on the ofshore markets. his was done by opening Cornèr Bank (Overseas) Limited in Nassau, at the heart of the Central American region. he foreign ailiates concentrate their activity on asset management and Private Banking. heir positive growth has made it possible to expand the range of services ofered to international Clients, with a view to diversiication and further consolidation of assets under management. «We serve our international Clientele through teams of specialists of cosmopolitan origins, culture and training» 4

7 Designed principally to meet personal inancial needs, the Private Banking centres on wealth management and investment advisory services. hese services cover every aspect surrounding the private sphere, including legal, iscal and corporate matters. Essential support for this range of Private Banking services derives from the close link between the activities of the Dealing Room, the Investment Strategies section (investment proiles, management and selection of funds, asset allocation and monitoring) and the Client Advisory teams. Long experience acquired in this field is the distinctive success factor which enables Cornèr Bank Group to position itself on highly competitive terms, in relation to local alternatives. For this reason, the bank invests substantial resources each year in optimising its services to private Clients. It also develops the necessary structures to prosper in multicultural, fast-growing markets. «Every investment requires competence and far-sightedness. We look after your assets discreetly and professionally» 5

8 he lending activity of Cornèr Bank Group primarily serves the Swiss market. It seeks to meet all the inancial and commercial requirements of the bank s own Clientele. he customary strict selective and precautionary criteria ensure a wholly personalised «loans» product, which also guarantees competitive terms, rapid decision-making and relations which withstand the test of time. hese features, together with the bank s size, have led to targeted and strategic marketplace choices. Special attention is paid to the development of Clientele close to our sales network. he main products ofered are commercial, mortgage and Lombard loans. Lending also takes place to public bodies. he bank ofers inance for trading in commodities and other types of credit facility, individually conigured with the borrowers. In the business sector, shipping inance occupies an important position. his is a market niche in which other banks are a rare presence. Cornèr Bank, on the other hand, boasts many years experience in precisely this sector. «We share your spirit of innovation and creativity and sustain you with bespoke loans» 6

9 Prepaid and credit cards are another specialist sector of activity for Cornèr Bank Group. In fact, in 1975, Cornèr Bank was the irst bank to issue Visa cards in Switzerland. Over the years, Cornèrcard has experienced unlimited growth in numbers, both of Customers and companies for which it issues and manages cards. In 1998, the success achieved with Visa prompted the bank to start issuing MasterCard too. his made the products of the world s two most widespread credit card networks available to its Customers. Since 2004 it has also distributed prepaid cards. Cornèrcard is distinctive for its strong innovative capacity and ongoing introduction of new technologies. Every year, in fact, the range of exclusive services is extended with an ample series of innovations which enhance the bank s prestige. In view of the complexity and exceptional variety of facilities offered in relation to cards, we advise you to visit our website to obtain the best information. Existing Cornèrcard holders can also view their own information at the website. For specialist forms of cooperation and solutions, please contact Cornèrcard s management directly. «We are leaders on the national market and assist our cardholders with a multilingual service, which operates around the clock, 365 days a year» 7

10 he Dealing Room gives the bank a uniform presence of high quality on the local and inancial markets. hus it is able to operate as a market maker in the world s main currencies, including exotic currencies. his important service provides private Clients and professional investors alike with a full range of treasury, Forex and stock market products. It also handles the issuing of structured products. In support of these activities, the Markets Area also deploys a team dedicated to developing relations with national and foreign banks. he bank is a direct member of the Swiss Electronic Bourse, a solution designed to link with other electronic stock exchanges at international level and, above all, to add to the advantages ofered to commercial and inancial Clients. he bank also has direct access to SWX Europe and SIX Swiss Exchange, and has been a member of Eurex since It also has many years experience as a depositary for various types of investment funds regulated by Swiss law. hese include bond and shareholding investment funds, as well as funds of hedge funds. he bank is the promoter of CB-Accent Lux (SICAV). he Dealing Room handles the creation of dedicated SICAV segments. «We provide Clients with advanced systems for access to inancial data together with order forwarding and portfolio management tools» 8

11 Cornèr Bank Group s Financial Intermediaries service addresses the needs of independent asset managers, trust companies, family oices and law irms. It operates through direct and constant relations based on mutual trust. Operating in close contact with management headquarters also confers an advantage. It enables this important service to develop tailored solutions and make immediate decisions, even in complex situations. he products and services ofered are the same as those available to private Clients. hat is why they have a strong potential for personalisation, based on the asset manager s stated requirements. Our Financial Intermediaries service is available on the Swiss market through the Lugano headquarters and the Geneva and Zurich Branches. It is also available in the inancial centres of Nassau and Luxembourg through our two ailiates, Cornèr Bank (Overseas) Limited and Cornèr Banque (Luxembourg) SA. As a Group principle, Cornèr Bank avoids ofering its products and services in a generalised way. It prefers an integrated process of dynamic and innovative involvement of the Financial Intermediary. «We are a point of reference for our correspondents and managers, who are selected for their professionalism» 9

12 he Cornèronline services that the Cornèr Bank Group ofers its Clients are easy to activate, guarantee a high level of security and require no coniguration or special technical support. Clients can log on to the Cornèronline services quickly, whenever and wherever they choose. hanks to Cornèronline, Clients can view their own inancial situation in real time and make national and international payments securely and lexibly, resulting in considerable savings in the cost of such transactions. For business Clients, the bank provides the operational platform CornèrLink, which allows them to view their own asset data in real time, manage their Client portfolio and forward stock market orders. Cornèr Data Feed, on the other hand, automatically transfers asset and transaction data to the Client s own computer platform. hen the data can be reprocessed according to user needs. «We ofer services at a high technological level, featuring simple, streamlined and eicient procedures» 10

13 CornèrTrader ( is an innovative solution for online trading and a valuable addition to the package of inancial products aimed at personal and commercial Clients. Experienced investors can use CFDs (Contracts for Differences), which allow investments exploiting the efect of leverage for positions on the equity and commodity markets. he platform enables all investors to access global financial markets and receive personalised assistance from Account Executives who specialise in this ield. he CornèrTrader platform can be installed on a computer and is also accessible via a browser or smartphone such as iphone, Android and Blackberry. CornèrTrader is a portal conferring access to the world s principal inancial markets and allowing trading on the FX Spot, FX Forward and FX Options currency markets for various cross pairs. With CornèrTrader, it is also possible to trade equities listed on a range of international stock markets. «Trade the world» 11

14 Executive Board and Head Oice 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 / he Bahamas Tel , Fax [email protected] BonusCard.ch AG Postfach, 8021 Zürich / Switzerland Tel , Fax [email protected] 250/2014

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