w w w. b a n k a l p i n u m. c o m

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3 Our philosophy Long-term client relationships We place our emphasis on long-term and fair cooperation. Our clients receive personal, individual and discreet support that is tailored to their requirements. We listen to you before providing advice. Motivated employees Only satisfied employees are motivated employees. The respect with which we treat one another and a management style based on partnership provide the basis for an attractive workplace. We attach importance to and promote both social and specialist skills. Transparent services We provide our services in an independent, clearly structured and transparent manner. True to the principle of efficiency and with a view to ensuring the greatest possible client benefits, we offer comprehensive services for our clients private assets. In doing so, we focus on security. Sustainable development By pursuing a sustainable business policy, we safeguard the bank s success in the long run. A small circle of shareholders creates long-term values and a sense of trust. The close bond between the bank and its owners ensures security and stability. Dynamic environment Integrated within a network of partners and ensuring that we uphold fairness in our relations with competitors, we adjust to a dynamic environment by applying manageable structures with short decision-making paths and a high level of flexibility.

4 Your Bank Alpinum Bank Alpinum was founded in 2001 by experienced bankers, lawyers and businesspeople. As a Liechtenstein-based private bank, located in Vaduz, we offer all the services relevant to modern strategic asset planning. Our independence from any financial group means our advice can be truly personal and unencumbered by any conflicts of interest. Private banking is based on trust between all parties concerned. We are conscious of our responsibility. This makes our customers business, our business. Our size is manageable, our hierarchies are flat and our reporting lines are short. Our consultants take their time, in order to safeguard and enhance our customers assets in the long term. For us, it is not the products that count, but the individual at the centre. For this reason we do not offer proprietary products, but instead choose for our customers the best of its kind, with a focus on quality and transparency. To achieve this we can call upon a global, carefully selected network of excellent partners.

5 Our investment philosophy Our financial experts are high-calibre specialists with a wealth of experience. They have the vision and sense of responsibility to take the right financial decisions for clients. Security and liquidity play a key role in our investment decisions. We only perform investments that we and our clients understand. The emphasis here is always placed on ensuring long-term client satisfaction. The world of financial products and financial services is highly complex. Our impartial specialists make selections from this wealth of opportunity and discuss the advantages and disadvantages with their clients. For solutions that balance performance against the protection of the assets. It is not only for what we do that we are held responsible, but also for what we do not do. Molière ( )

6 Our Services I. modern Asset Management II. professional Investment Advice III. Supplementary Services

7 Our Services I. Modern Asset Management Insight breeds understanding. Clear-sightedness yields the right decisions. Far-sightedness shows the way. Modern asset management is a combination of countless strategies. Each investment process is individually determined by our customers needs and aspirations. Your assets are managed by specialists in a transparent and professional manner. They do so in strict compliance with your guidelines and the bank s own investment strategy, which is monitored on an ongoing basis and adjusted to the prevailing requirements. Peter Amendt (* 1944)

8 Our Services ii. Professional Investment Advice Providing professional investment advice for discerning private investors is a task that requires considerable empathy from our investment consultants. Because only someone who really knows his clients their situation in life, their aims and aspirations can devise the right investment strategies for them. The personal adviser always has the latest financial information at hand and supports the client with targeted advice. Exercising a strong sense of responsibility, he highlights the risks and helps his client to make the right financial decisions for himself. The need to speak not only impairs our hearing, but also what we see. Marcel Proust ( )

9 Our Services iii. Supplementary Services The following round off our range of services and provide our clients with a comprehensive banking package: Internet Banking Our modern e-banking system enables our clients to execute various business transactions via the internet. Not merely a broad range of functions, but also state-of-the-art security standards characterise our e-banking solution. International payment transactions International payment transactions are being made more complex and time-consuming by increasing regulation, above all in the fields of due diligence and the need to combat money laundering. Together with domestic and international partners, we safeguard the careful settlement of payment transactions.

10 Lombard loans Within the context of our holistic consultancy approach, we also offer our private banking clients solutions for funding issues. This entails the provisions of Lombard loans in return for marketable collateral. Only first-class partners are considered in conjunction with the settlement of such transactions. Credit and debit cards We offer these in cooperation with selected and internationally-recognised financial institutions. Documentary credit transactions By offering documentary credit transactions, subject to collateral requirements, we support the international trading activities of our clients. We focus in this conjunction on individual markets and regions. Further services upon request

11 Liechtenstein The Principality of Liechtenstein is a modern state in the middle of Europe. Liechtenstein has been awarded an AAA rating for its debt-free national budget. Its economy is well diversified. Highly-developed, innovative, cutting-edge technology is exported to all continents. And Liechtenstein s financial centre is one of the most attractive internationally. This, the fourth smallest state in Europe applies high standards to prevent money laundering and financing of terrorism. The banking system is extremely stable. Liechtenstein s banks are amongst the best capitalised banks throughout Europe and worldwide. The banking, insurance and fund centre is under the supervision of a politically independent, modern and effective financial services authority. The economy enjoys the benefits of membership of two economic areas: as a member of the European Economic Area, EEA, since 1995, the Principality is in close association with the EU, and with Switzerland through its customs and currency union dating back to In Liechtenstein the Swiss Franc is the national currency, its borders with its neighbours are open. As an EEA country, Liechtenstein has free movement of goods, persons, services and capital. Liechtenstein pursues a strategy of intensive international integration, cooperation in tax matters and consistent tax compliance. As one of the early adopters, Liechtenstein has created the legal basis for the automatic exchange of information (AIA).

12 Knowing is not enough, one must also apply. Wanting is not enough, one must also do. Johann Wolfgang von Goethe ( ) Risk management A forward-looking and conservative risk policy is an important part of our foundations. Room for manoeuvre and freedom of choice promote an entrepreneurial mindset. Nevertheless, guidelines are essential to protect clients and employees. The constructive interaction of these components guarantees long-term success. Binding rules apply in respect of entering into, limiting and monitoring - credit risks - market risks - default risks - settlement risks - image risks - liquidity risks - operational and legal risks

13 contact / Location map Bank Alpinum AG Austrasse Vaduz Liechtenstein Telephone Fax info@bankalpinum.com St. Gallen Vaduz Sevelen Sargans A13 Rhein Triesen

14 Austrasse Vaduz Liechtenstein Telephone

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