Private account Savings account Pension account Mortgage ¹ Investment account Credit card. E-Banking (except for value papers) Tax declaration

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1 Last update vember 2016 BANK ACCOUNT FOR PERSONS WITH RESIDENCE ABROAD OFFERS RESTRICTIONS MINIMAL DEPOSIT BANK CHARGES (CHF) Aargauische Yes, in neighbouring E-Banking (except for value papers) Tax transparency Between CHF 0 and 30 p/month (according to place of residence/ extent/ products) Appenzeller Only customers from Germany, Austria and Liechtenstein E-Banking Tax declaration CHF 20 p/month (none for Liechtenstein) Will be readjusted in January 2017 Banque cantonale du Jura Yes, except for subject to embargo E-Banking -Custodian accounts in certain not allowed In some the opening of a bank account abroad is subject to authorization CHF 10 p/month

2 Berner (BEKB) Yes but special requirements for the US Clients from some specific domiciles are not accepted offers in exposed according AMLA list (Anti-Money Laundering Act) E-Banking Other products depend on place of residence Link to / and regular stay in the economic area of BEKB Depending on the products Additional charges of CHF 10 p/month for From January 2017 CHF 20 p/month due to introduction of AEOI Luzerner (LUKB) Yes (List of of residence wherefrom customers are accepted is not public) Basically all products / services the LUKB offers except for restrictions depending the country of residency CHF 500'000 Information is published on the website of LUKB Banque cantonale neuchâteloise Yes, except for US- Persons (US residents or US citizenship) information - ne within the EU - CHF 10'000 beyond the EU Additional charges of CHF 10 p/month for Link to the Canton of Neuchâtel From January 2017 charges will be readjusted due to introduction of AEOI

3 Nidwalder Yes, for customers with residence in EU/EFTA states, Australia and New Zealand: for existing clients New clients: Germany and Liechtenstein * E-Banking * According FATCA contract: no US- Persons with residence other than Switzerland Account continuation : CHF 50'000 Account opening: CHF 250'000 CHF 25 p/month *Only for residents of Germany + Liechtenstein Obwalder Yes, except for the US, Great Britain and Japan E-Banking (depending country of residence) Further restrictions possible, depending individual client situation Account continuation: depending client situation Account opening: CHF Special charges for customers with residence abroad Schaffhauser Yes, for Germany Only exceptionally for other of residence Restrictions for US- Persons Security investments (Restrictions possible) E-Banking (Prohibition for certain ) Authorization to disclose data to the (tax)-authorities of the place of residence CHF 15 p/month (except for residents of Germany)

4 Thurgauer Kantonlabank Yes for customers of Germany due to vicinity of the bank to the German border. Their focus is on regional customer business. Restrictions for all other E-Banking CHF 30 p/month charges if total assets exceed CHF Urner customer business abroad. Opening or maintaining account only in few exceptions possible. information Link to Canton of Uri and economical value are prerequisite information information Banque cantonale du Valais Yes, with restrictions depending the country of domicile. (list of accepted of domicile is not public) Offers depend on domicile country Restrictions for certain domicile Information is published on the website of the Banque cantonale du Valais

5 Banque cantonale vaudoise Yes, but restrictions depending on the country of residence * * * E-Banking Restrictions for certain domiciles special charges for *Restrictions possible depending domicile Zuger (except for temporary stay abroad) - - Special charges for Zürcher Yes, except for the US and for embargo E-Banking CHF When credit balance below CHF : Annual fee CHF 360

6 Valiant Bank Yes, except for subject to embargo Vested benefit account E-Banking (only information retrieval) Link to Switzerland active acquisition, no crossborderservices: Offers only submitted individually for each customer personally at the bank in Bern Additional charges of CHF 40 p/month Migros Bank Yes Allocation to 3 groups: 1) residence in the US 2) residence in the EU 3) residence rest of the world (continuation only) * * * E-Banking* *Restricted for USpersons CHF 250'000 for customer groups: residence rest of the world and the US With domicile EU as well as for existing clients moving abroad, generally no minimum deposit CHF 5 p/month bordering with credit balance below CHF 7500 CHF 10 p/month bordering with credit balance above CHF 7500 CHF 30 p/month with domicile in non-bordering Swissquote Yes, except for residents of the US and to some extent of Canada Restrictions possible also in other Online E-Banking information Rather not Exceptions possible depending country of residence additional charges for

7 Neue Helvetische Bank Yes To be examined individually To be examined individually CHF additional charges for Alternative Bank Schweiz, not possible for the time being (due to introduction of AEOI) - PostFinance Yes, except for subject to embargo Private account Vested benefit account E-Banking Debit card Investment account Mortgage Credit card (Saving account only with residence in neighbouring ) CHF 15 p/month From January 2017 CHF 25 p/month Offer available for the Swiss abroad Offer not available for the Swiss abroad All bank institutions participating the survey require personal appearance in order to open an account (except for Swissquote) ¹The offer Mortgage applies only to real estate property in Switzerland Abbreviations AEOI: FATCA : automatic exchange of information Foreign Account Tax Compliance Act The information available is valid at the time of the survey and is subject to alterations by the financial institutions in question. The interviewed institutions all emphasized, that their business practices are not depending on citizenship; however, they are being determined by the place of residence of customers. /OSA 2016