Overview of accounts for private clients. Banking on the right account, together.

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1 Overview of accounts for private clients Banking on the right account, together.

2 Personal accounts Personal account in CHF 1) Personal account in EUR 1) Suitability individuals from age 26 account for all banking transactions Account statement monthly, paper copies delivered by post or documents via statement for tax purposes as at , paper copies delivered by post individuals account for all banking transactions in EUR monthly, paper copies delivered by post or documents via statement for tax purposes as at , paper copies delivered by post Account balancing annually, as at annually, as at Withdrawals CHF per month one month s notice for amounts exceeding this EUR per month one month s notice for amounts exceeding this Additional services Cards Maestro card Mastercard or Visa credit cards Travel Cash Maestro card Mastercard or Visa credit cards Travel Cash Payment transactions payment with scanning order direct debit (LSV) standing orders Extras attractive and individual account sets Basic/Comfort/Premium 1) comprehensive insurance benefits and attractive surprize bonus programme with credit card safe and easy with Smartphone thanks to TWINT app direct debit (LSV) standing orders attractive and individual account sets Basic/Comfort/Premium 1) comprehensive insurance benefits with credit card 1) For more information, please consult the applicable account set or brochure. 2

3 Personal account Young People plus 1) Personal account Mister Money 1) teenagers and young adults between the ages of 13 and 26 account for all banking transactions monthly, paper copies delivered by post or documents via statement for tax purposes as at , paper copies delivered by post children from birth to the age of 13 first own bank account monthly, paper copies delivered by post or documents via statement for tax purposes as at , paper copies delivered by post annually, as at annually, as at CHF per month one month s notice for amounts exceeding this CHF per month one month s notice for amounts exceeding this Maestro STUcard Mastercard or Visa credit cards (from the age of 16) Travel Cash payment with scanning order direct debit (LSV) standing orders free account administration free ZugerKB Young People or Start account set 1) attractive discounts and many competitions with STUcard.ch comprehensive insurance benefits and attractive surprize bonus programme with credit card safe and easy with Smartphone thanks to TWINT app personal Mister Money account card (for deposits at our ATMs) preferential interest rate and free account administration gift deposit of CHF 20 for accounts opened before the first birthday (one per child) free access to Mister Money World 3

4 Savings accounts Savings account Savings account plus Suitability natural persons from the age of 22 wealth formation supplement to account set Account statement annually, as at , paper copy by post or statements via statement for tax purposes as at , paper copy by post natural persons long-term wealth formation supplement to account set or savings account annually, as at , paper copy by post or statements via statement for tax purposes as at , paper copy by post Account balancing annually, as at annually, as at Withdrawals 2) CHF per month six months notice for amounts exceeding this, from 1 April 2018 three months notice CHF per year, from 1 April 2018 CHF per month twelve months notice for amounts exceeding this, from 1 April 2018 six months notice Additional services Cards account card account card Payment transactions Extras preferential interest rate 1) For more information, please consult the applicable product brochure. 2) If the withdrawal limit is exceeded without giving the required notice, a penalty fee based on the amount exceeding the withdrawal limit is charged. 4

5 Savings account for Young People 1) Gift savings account 1) natural persons from birth to the age of 22 wealth formation supplement to account set annually, as at , paper copy by post or statements via statement for tax purposes as at , paper copy by post gifts for children, grandchildren and godchildren from birth to the age of 18 annually, as at , paper copy by post or statements via statement for tax purposes as at , paper copy by post annually, as at annually, as at CHF per month six months notice for amounts exceeding this, from 1 April 2018 three months notice CHF per month six months notice for amounts exceeding this, from 1 April 2018 three months notice account card none (deposits and account queries) preferential interest rate preferential interest rate gift voucher for new account and first deposit personal gift certificate on 18th birthday account is maintained in the name of the person who opened it (=donor). The young person may have access to the donor s assets only with his or her consent. 5

6 Retirement accounts Savings 3 1) Vested benefits account Suitability voluntary retirement savings plan for everybody earning an income subject to AHV contributions Account statement annually, as at with tax certificate with custody account statement for Swisscanto rights, if any paper copies delivered by post for people who temporarily or permanently leave their former pension fund or wish to invest the excess pension fund assets in an account annually, as at , paper copy by post or statements via separate custody account statement for Swisscanto rights, if any, paper copy delivered by post Account balancing annually, as at annually, as at Withdrawals at the earliest five years before reaching AHV retirement age or, if gainfully employed, five years after reaching retirement age early release according to statutory provisions at the earliest five years before reaching AHV retirement age or five years after reaching retirement age early release according to statutory provisions Additional services Payment transactions (deposits and account queries) Extras preferential interest rate even better returns with an investment savings plan savings plan insurance including death benefits and/or disability pension no payment obligation tax benefits (deposits and account queries) preferential interest rate even better returns with an investment savings plan 1) For more information, please consult the applicable product brochure. 6

7 We accompany you through all phases of your life Personal and savings accounts serve as the basis for all banking transactions and stay with you throughout your life. As your personal circumstances as well as your needs and goals are subject to constant change, your banking needs also change. Zuger Kantonalbank offers you customised solutions for all the phases of your life that perfectly complement your daily needs and allow you to plan your finances appropriately and pursue long-term goals. Whatever your plans, we support you with commitment, expertise and comprehensive services. ZugerKB account sets Take advantage of our attractive account sets. They make it even easier for you to access our services and products for personal accounts and payment transactions. Use the online set finder at to find the account set that is right for you in just a few simple steps. Please do not hesitate to call us if you have any questions. You can reach us from Monday to Friday from 08:00 to 18:00 on

8 This brochure is printed using a carbon-neutral process Zuger Kantonalbank Bahnhofstrasse Zug Phone Fax service@zugerkb.ch

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