Bank of Cyprus Private Banking. Growing, managing and protecting your wealth

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1 Growing, managing and protecting your wealth

2 02 03 Growing, managing and protecting your wealth As a client of you will benefit from a tailored service that is as unique as your individual circumstances. You will receive the dedicated attention of your own Private Banker backed by an experienced team of investment and wealth management professionals, focused on growing, managing and protecting your wealth. A rewarding relationship built on solid foundations We aim to build long-term relationships, developing investment solutions that are founded on a thorough understanding of your unique needs, desires and time horizons. This deep understanding of your ambitions and objectives enables us to better help you take advantage of opportunities and provide a holistic approach to managing and protecting your wealth. We achieve this by constantly evaluating your changing circumstances in light of market conditions, to deliver a truly bespoke and effective service.

3 04 Investment Services Banking, Investment and Ancillary Services Banking and investment services for all your needs Personalised products and services across asset classes You benefit from the convenience of having all your banking and investment requirements taken care of through a single source. Whichever style of investment management service you select, you gain seamless access to a comprehensive range of products and asset classes. offers a full range of banking, investment and ancillary services. We provide all the day-to-day banking services you would expect in relation to cash withdrawals and deposits, cheques, cards, loans, mortgages and insurance, plus access to priority banking. You can view your portfolio online, subscribe to and text alerts, and will have priority access to credit and other services. Your dedicated Private Banker is your gateway to a world of products and services Whether you choose our Execution, Advisory or Discretionary service, we are required to comply with applicable regulations aimed at protecting your interests. Personalised investment services across asset classes Banking Services You Your Private Banker Execution Investment Services Advisory You Investment Strategy Asset allocation and portfolio construction based on your unique profile and market conditions Investment Mandates Investment specialists attend to Execution, Advisory and Discretionary portfolios Fixed Income Dedicated desk of professionals give you access to Capital Markets and carry out trading in Money Markets, Fixed Income, Foreign Exchange and Derivatives Equities Equities experts carry out trading in global equity markets, Exchange Traded Funds (ETFs) and derivatives Structured Products Team of specialists structure tailor-made products with full, partial or no capital guarantee Funds Open Architecture approach to selected investment funds. Senior analysts evaluate a universe of more than 1600 funds from leading investment managers Alternative Investments Access to Hedge Funds, Commodities, Private Equity funds Discretionary Financial & Ancillary Services 05

4 06 Investment Services Our Investment Philosophy & Approach Execution, Advisory or Discretionary you choose You may choose any one or a combination of these services. The Discretionary and Advisory services conform to the Bank s investment strategy, led by our specialist in-house investment strategy team. In each case, we consult closely with you to determine your investment objectives. Execution Advisory Discretionary Our dynamic investment process is built on three fundamental pillars: 1 Your financial circumstances 2 Your investment profile: risk tolerance market knowledge investment objectives 3 Changing market conditions & investment strategy Bespoke investment solutions are based on an objective assessment of your needs and objectives. We maintain a broad, open architecture investment platform that gives you access to the world s foremost wealth management solutions. We continually evaluate asset managers, markets and products with a view to providing you with a portfolio that delivers consistently strong results. Importantly, our process is designed to adapt to your changing needs and circumstances. Execution If you wish to trade directly on the financial markets without advice, your Bank of Cyprus Private Banker can execute transactions promptly and efficiently on your behalf without receiving advice from the Bank and according to your instructions. You can trade a wide range of securities including bonds, equities, funds and foreign exchange. With our execution-only service, you do not receive advice but you do gain access to our investment research, trade ideas and market outlook. Advisory Our Advisory service enables you to choose from a selection of model portfolios ranging from conservative to growth, in different currencies and across geographical markets. These portfolios are actively managed and re-balanced to optimize returns. Our investment strategy team selects the appropriate mix of geographic and asset exposure, setting optimal weights within investment bands, which vary depending on the type of the portfolio. Final investment decisions are made by you. Discretionary Our Discretionary investment service is for those who wish to delegate the investment decision-making to our professional asset management team. We manage your portfolio within the limits agreed in order to achieve your investment objectives but without the need for us to contact you regarding every transaction. This service involves the active asset allocation and management of your portfolio and is characterised by a medium to long-term approach, which aims to achieve the desired return with the minimum possible risk. 07

5 08 Bank of Cyprus Group Profile Global Custody Services Global Custody Services Bank of Cyprus offers a full range of Global Custody Services through its Custody and Trust unit for investments in the local and international markets, as follows: Safekeeping of investments: debt, equities, funds and other financial instruments in electronic form as well as physical titles Proxy voting arrangements such as representations at General Meetings Settlement /clearing of transactions in financial instruments for local and international markets Corporate actions processing: data and income collection, communication of events to clients (such as dividends, coupons and bond maturities) in a timely fashion Gathering of tax information, for correct tax application at source on dividends / coupons and processing of tax reclaims Other securities actions, such as dematerialisation / materialisation of titles We also offer depository services consisting of safekeeping, cash flow monitoring and oversight duties for Alternative Investment Funds (AIF) and Undertakings for Collective Investments in Transferable Securities (UCITS). All clients investments held under custody by the Bank of Cyprus are ring-fenced and are kept off-balance sheet, being segregated from the Bank s own assets. The Bank uses a quality network of sub-custodians to ensure the proper and efficient safekeeping of clients assets and can offer access to over 100,000 mutual funds in various jurisdictions through a single point access platform. Bank of Cyprus was voted best sub-custodian bank in Cyprus for 2017, 2016, 2015, 2014 and 2012 by the acclaimed magazine Global Finance. Safekeeping Debt, equity, funds and other financial instruments in electronic form Investment titles in physical form in our premises Clearing Settlements of securities transactions Daily reconciliations Comprehensive reporting Portfolio valuation Customized format and frequency Corporate actions Data collection and corporate events detailing Communication of events and options to clients in a timely fashion A leading bank and financial services group in Cyprus Founded in 1899 and headquartered in Nicosia, Bank of Cyprus is the leading banking and financial services group in Cyprus, with significant market shares across all businesses. The Bank provides a wide range of financial products and services including retail and commercial banking, finance, factoring, investment banking, brokerage, private banking, fund management, life and general insurance. The Group has 126 branches, of which 121 are in Cyprus, 1 in Romania and 4 in the United Kingdom. Bank of Cyprus also has representative offices in Russia, Ukraine and China. Bank of Cyprus is the leading bank and financial services group in Cyprus and is well capitalized with an improving funding position and a highly experienced management team and Board of Directors. Bank of Cyprus is committed to serving its customers, delivering value for its shareholders and supporting the Cypriot economic recovery. Some of the recent awards for Bank of Cyprus Voted Best Private Bank 2017 and Best Private Bank 2016 by the internationally reputable magazine Euromoney Private Banking Survey Awarded Best Private Bank in Cyprus for 2016 by the internationally renowned magazines The Banker and the PWM (Professional Wealth Management) Awarded Best Private Bank in Cyprus for 2016 and 2015 by the well known Global Banking & Finance magazine Awarded Best Private Bank in Cyprus for 2017 and 2015 by the acclaimed magazine Global Finance Awarded Best Sub-Custodian Bank 2017, 2016, 2015, 2014 and 2012 by the acclaimed magazine Global Finance Awarded Best Foreign Exchange Provider for 2017, 2016, 2015 and 2014 by the acclaimed magazine Global Finance Awarded Best Bank in Cyprus 2015 by the internationally reputable magazine Euromoney 09

6 10 Get in touch Legal Disclaimer 11 How may we be of service to you? If you would like to find out how we can help you, please contact one of our offices in Cyprus to speak to one of our Private Bankers: Head Office - Nicosia 154 Lemesou Ave., 2025 Strovolos, Nicosia Tel: Fax: infopb@bankofcyprus.com About Bank of Cyprus Bank of Cyprus Public Company Limited ( Bank of Cyprus ) was incorporated in Cyprus with company registration number HE165. Its registered office is at 51 Stassinos Street, Ayia Paraskevi, Strovolos, P.O. Box , CY-1398 Nicosia, Cyprus. The telephone number is / (+357) The website address is Bank of Cyprus is authorised and regulated by the Central Bank of Cyprus to carry on the business of a credit institution. Bank of Cyprus may sub-delegate part of the services offered herein to one or more entities in the Bank of Cyprus group. Limassol Bank of Cyprus is committed to providing a high standard of service to all of its clients on every occasion. We do recognise, however, that occasionally we may not live up to your expectations or our promises. If you have a complaint about any aspect of our service then we would like to hear from you. Information relating to Bank of Cyprus complaint procedures is available online at , Arch. Makarios Ave. & Markou Drakou, 4003 Mesa Geitonia, Limassol Bank of Cyprus is a member of the Cyprus Investor Compensation Fund for Clients of Banks and is a participant of the Deposit Protection and Resolution of Credit and Other Institutions Scheme. For more information, please visit the website address of the Central Bank of Cyprus at: Tel: Fax: infopb@bankofcyprus.com Disclaimer The information provided in this document is intended as general information and is not tailored to your personal circumstances. It is not intended, and it should not be taken as, an offer, recommendation or investment advice in relation to any service or investment. Larnaca With investments your capital is at risk. The value of your portfolio could go down as well as up; performance is not guaranteed. You may get back less than you invest. You should seek independent legal and taxation advice before making any investment decisions. Any decisions made by you on the basis of the information provided in this document are your responsibility and are made at your own risk. Although the information contained herein has been taken from sources which Bank of Cyprus deems to be reliable and accurate, Bank of Cyprus cannot guarantee that the information provided is accurate, complete or up-to-date. Constantinou Palaiologou & Tinou, 1st floor 6036 Larnaca, Cyprus Bank of Cyprus assumes no liability for printing or typographical errors. Bank of Cyprus is not obliged to update or amend the information contained herein. The information provided herein is valid at the date of issue and may be amended at any time without notice. Tel: Fax: infopb@bankofcyprus.com Neither Bank of Cyprus nor any of its agents, employees or subcontractors shall be liable for any damages (including lost profits) arising from the use of the information contained herein. Bank of Cyprus retains all rights (including copyright, trademarks, patents and any other intellectual property right) in relation to the information provided herein (including all text, graphic material and logos). The information contained herein may not be copied, published, distributed or reproduced in any form without the prior written consent of Bank of Cyprus. 09 / 2017

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