Banque Heritage

1 External Asset ManagersServices for External Asset ManagersNOVEMBER 2017 Historyand BackgroundChronological TimelineWhy BanqueHeritageDedicatedModelForExternalA ssetManagersPartnership with External Asset ManagersProducts and Services for External Asset ManagersKey OfficesOrganizational ChartContactDisclaimerBanqueHeritageisaf amily-controlledfinancialgroupwithitshea dquartersinGeneva, (UHNWI,Families,andInstitutions), , , ,aglobalcommoditytradingandprocessingcom panythatplaysatop-tierroleincommoditiess uchascoffee, , ,itshouldbenotedthatECOM , ; stieswithandcommitmenttoSwitzerland, ,in1992, ,currentlyknownasFINMA, (BITALinMexico,soldtoHSBCin2002,Santande randBarclaysinBrazil),inadditiontotheban kinginstitutionthatthefamilycurrentlyown s Agrofinanzas(Mexico),whoseaimistoprovide financingsolutionsforindividualsandcorpo rationsintheagribusinesssector, sinternationalgrowthstrategy,theGroupacq uireda60%stakeinBancoSurinvest,aUruguaya nBankformedin1981byseverallargefinancial institutionssuchasIFC,Rabobank, sconfidenceinitssubsidiary,BanqueHeritag e(Uruguay)

2 ,hasbeenreinforcedin2013withtheacquisiti onoftheretail, of the Family Office Heritage Finance & Trust SA in Lausanne, SwitzerlandTransfer of Heritage Finance & Trust SA headquarters to GenevaRenamed Banque Heritage LtdLicense as a Non-Bank financial institutionGranted the Swiss Federal banking License and conversion into a commercial bankOpeningof the Zurich BranchAcquisition of Lloyds Bank Ltda. becoming a part of BH UruguayTotal group employees:-BanqueHeritage: 128-Banco Heritage Uruguay: 112 Tier 1 Capital Ratio: Capital: of Banco Surinvest, Montevideo, UruguayAcquisition of Bank Frey AG clienteleAcquisition of Standard Chartered (Switzerland) clienteleAcquisition of Bank Hottingerclientele2015 Opening of Sion office2016 COMPREHENSIVE ADVICEF lexible, needs-based advice on strategic wealth management SOLUTIONSM anaged open architecture offering tailored investment strategies and banking HERITAGEA tradition of aligned family values, built with an entrepreneurial ACCESSB eing a cohesive,nimble team permits truly tailoredsolutions combined with exceptional agility and STRENGTHSA ccessiblesenior management, efficient and rapid decision making process, human sized EAMTEAME xperiencedRMat your services to make sure you spend more time with your client and less with Heritage PRIVATE banking SERVICES CAN BE OFFERED THROUGH AN EXTERNAL ASSET MANAGER MODEL (EAM).

3 The tools and services that allow you to provide the best possible service for your clients A team of experienced financial market professionals at your service The services, product and IT solutions you need to succeed in your businessCLIENTCLIENTEXTERNAL ASSET MANAGEREXTERNAL ASSET MANAGERBANQUE HERITAGEBANQUE HERITAGEA ccountFrameworkAgreementPower ofAttorneyDEFINED SERVICES TO MEET THE REQUIREMENTS OF THE EAMA cquisitionRelationship ManagementRisk Assessment / Client ProfilingNon-DiscretionaryManagement DiscretionaryManagementClientReportingIm plementationExecution & SupportCustodyServicesProducerProducerBA NQUEHERITAGEE xternal Financial AdvisorExternal Financial AdvisorBANQUEHERITAGEE xternal Asset ManagerExternalAsset ManagerBANQUEHERITAGEE xternal Asset Managers Desk Specialized Team One-Stop-Shopping Best Execution via Established Broker Selection Process Direct Access Trader (if necessary)

4 Basic banking Products & Services Custody Tax Reporting Multi Currency Platform Card SolutionsElectronic banking Sophisticated Information & Trading Access EAM (Internet) Internet Solution for End ClientResearch Heritage Alternative Investment Research Proprietary Research Independent ResearchInvestment Products Open Fund & Product Architecture Customized Fund & Structured Products Broad Alternative Investment PlatformOther Services Succession & Estate Planning Company Foundation & Development Lending & Guarantees IB ServicesPricing Schemes Volume Discounts, Flat Fee, End Client DiscountPRODUCTS & SERVICESMONTEVIDEOGENEVAZURICHSUBSIDARYB RANCHHEADQUARTERSSION10 Chief Executive OfficerHead of Private banking & Investment ServicesHead EAM ZurichHead EAM GenevaEAM Relationship ManagerHead EAMEAM Relationship ManagerEAM Relationship ManagerEAM AssistantEAM Relationship ManagerEAM Relationship ManagerEAM AssistantEAM AssistantEAM Junior Relationship ManagerEAM Senior Relationship ManagerMartin Brenner BanqueHeritage AGBahnhofstrasse100PO Box8022 Z richSwitzerlandTel+41 58 220 0845 Fax+41 58 220 Luciano CirioloBanqueHeritage SA61 Route de Ch neCase postale66001211 Gen ve 6 SwitzerlandTel+41 58 220 0345 Fax+41 58 220 DISCLAIMERThis presentation has been prepared by BanqueHeritage SA (the Bank)

5 And is provided to you for the purpose of personal use and information only. No information published in this presentation constitutes a solicitation, an offer or a recommendation to buy or sell any investment instruments, nor to conclude any legal act of any kind to this end. Furthermore, this presentation should not be construed as a financial, legal or tax advice. The Bank reserves the right to change at any time the content of this information in part or in their entirety, at all times and without prior advice. Although the Bank acts with due care to ensure the accuracy of the information contained in this publication/presentation, it cannot guarantee such. The Bank or its employees assume no liability for any damages that arise through the use or non-use of the information published.

6 Without prior written consent from the Bank, no information or images may be reproduced, disclosed or saved nor to include them in online-services, or any other electronic support This applies in particular to the Bank s content of this presentation has not been reviewed by any regulatory authority in Switzerland or in any other jurisdiction. If you have any doubt about this presentation, you should seek an independent professional advice.