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The best way to predict the futureis to shape itIt’s almost a shame that not all banks are like Globalance. When doingeveryday shopping, we examine the calorie count and fat content of foodproducts; we meculously compare the technical specs of a new cell phonebefore buying one. But when it comes to invesng their wealth, investorsrarely queson the true substance of a stock, investment fund or structuredproduct.Things are dierent at Globalance Bank. We make it possible for you to reachyour wealth objecves while simultaneously ensuring that your investmentslead to more than just nancial benet.The vision of a world in equilibriumThe name Globalance represents the vision of a world that is on an even keel.It is not meant as some sort of utopian ideal, but instead as an orientaonframework. We can more eecvely preserve and mulply wealth if we understandand idenfy the fundamental factors that will be decisive in thecoming ten, twenty or y years. The goal of the century for our generaonis to decouple prosperity and diversity of opportunity from the mere consumponof resources.A business model for the futureAt Globalance Bank, sustainability also stands for another, albeit bankspecic,aspect. It is the maxim behind a business model that leads to a new,mutually appreciang relaonship with our clients and partners. We addressthe needs of a new generaon of farsighted investors.For a new generaon of investorsFor private investors, family oces and foundaons, our approach aordsa plaorm for co-shaping the future. Our clients expect their bank to be anopen and acve partner. In selecng their stocks, bonds or alternave investments,they expressly demand convincing arguments. In so doing, they seekconrmaon that their bank is also coming to grips with future scenarios andreal developments of relevance that are not immediately recognisable at rstglance.Globalance Bank goes about handling capital in a modern, long-term andresponsible manner.Ownership obliges; and ownership oers opportunies.The bank that moves more thanjust money6 Globalance Bank

PioneersCharacterSustainabilityLong-term orientaonTransparencyIndependenceEntrepreneurshipImpactSEight reasons for Globalance BankGlobalance Bank7

MobilityWorldwide, there are roughly 800million vehicles on the road today.Experts reckon that, by 2050, thenumber of vehicles will triple.93 percent are gasoline-poweredat present.From experience,a step aheadPioneers are a step ahead of their contemporaries. They have visions anddemonstrate the fortude necessary to set new standards.The personal and professional biographies of our team speak for themselves.The management at Globalance Bank is comprised of internaonally recognisedexperts and entrepreneurs in the elds of investment and sustainability.They rank among the pioneers and iniators in terms of idenfyingmegatrends at an early stage and establishing new standards in internaonalnance.With the courage to blaze new trails, they have managed major instuonalassets and invested sustainably. And now their broad experience accrues tothe benet of the private clients of Globalance Bank, be it in the advice theyreceive, in the way their assets are managed, or from innovave soluonsfor a poron of their wealth.As young entrepreneurs, the founders of Globalance Bank built up theworld’s leading asset management company for sustainable investments(SAM Sustainable Asset Management, www.sam-group.com) and in thespace of 15 years led it to internaonal success. Together with DowJones, they developed the Dow Jones Sustainability Index (www.sustainability-index.com),thereby seng a globally recognised milestone.For the rm’s instuonal clients, they designed sustainable investmentfunds and private equity funds, as well as invested successfully in newthemes such as water, energy and the climate.Pioneers8 Globalance Bank

“To build a fortune, one must take risks.To keep a fortune, one must avoid risks.”Tradional wisdom in the investment industryGlobalance Bank9

Access to informaonThe «democrasaon» of informaonand know-how is advancingrapidly. Between 2000 and 2010,the number of Internet users hasincreased by 450 percent to anaverage of already 30 percent ofthe world’s populaon.Responsibility for our aconsshapes our corporate cultureThose who deal in a structured and transparent manner and tackle theirassignments with farsightedness earn trust. The employees of GlobalanceBank are commied to a culture in which ethical values act as a barrieragainst the allures of carelessness.Our fundamental values not only lend us character; they also shape thestyle of our interacon. The binding nature of those commonsense valuesmakes us fathomable and engenders mutual esteem.VisionMore and more investors are generang returns derived from investmentsthat are of genuine benet to society, the economy and theenvironment.MissionWe are building a successful, sustainable and independent private bankaround a network of successful investors and farsighted visionaries –for the benet of our clients, who desire to move more than just money.Character10 Globalance Bank

Sustainability in a performance comparisonSource: Dow Jones Sustainability Indexes140120100Dow JonesSustainability Europe40 Index (EUR, TR)STOXX Europe 50(EUR, TR)806040Jan-06 Aug-06 Mar-07 Oct-07 May-08 Dec-08 Jul-09Feb-10Sep-10Globalance Bank13

Economic outputIn the next 15 years, China willconstruct as many buildings asthe USA has in its enre history.Staying the course introubled mesShort-term trading is associated with higher risks, and investors who takethat route frequently miss out on long-term megatrends. But who can resistthe temptaon of a quick prot? It is easy to lose one’s head in the daily dramaof sharply uctuang stock, currency and commodity prices. Today morethan ever. The ts and starts on the charts are shorter-lived than they used tobe. And the aempt to trade those moves oen leads to a deterioraon inyield and overall porolio performance.Globalance Bank thinks in other dimensions. With an eye to the future, weanalyse emerging megatrends in the economy, society and nature. And viathe appropriate investments, we sail a straight-line course with a mulyearme horizon. This farsighted view enables our clients to dene their ownwealth objecves and achieve those goals by means of a long-term investmentstrategy. Through targeted diversicaon, we reduce risks and save oncosts – to the benet of porolio performance.“Back and forth drains your pocket.”Tradional investor wisdomLong-termorientaon14 Globalance Bank

Average holding period (in years) for stocks, based on the S&P 500Source: SG Global Strategy Research108Averageholding period642019501955 1960 1965 1970 1975 1980 1985 1990 1995 2000 2005 2010Since the ‘50s, the holding period for share posions has declined from 8 years to 11 months.An investors’ me horizon and behavior is very short-term oriented, having a negave inuenceon the porolio performance.Globalance Bank15

DevelopmentThe UN’s «Human DevelopmentReport 2010» reveals thatprogress has been made,especially in the areas of healthand nutrion for the poor.For an open wayof doing businessIn terms of the client relaonship, sustainable banking calls not least of all fora business model that controls and openly discloses overall costs. This fee andcost transparency is one of the decisive factors in overall, long-term investmentsuccess.It is frequently the case that investors are forced to bear sizeable hiddencosts. The value of their assets suers as a consequence. Things are dierentat Globalance Bank. We charge an all-in fee that is worthy of its name.The related costs are dependent solely on the amount of assets under management– but totally independent of porolio shis, the asset allocaon orstructured products. And one more thing: with this all-in fee, you have theassurance that the nancial industry’s customary retrocessions – commissionspaid to the Bank by third pares – are passed through to you in their enrety.The result: we can focus solely on the successful implementaon of your investmentstrategy – and you can rest assured that we will always recommendto you the most promising product at the most favorable costs.“It can become complicated if nothing but honestpeople talk completely frankly with each other.”Gerd BuceriusTransparency16 Globalance Bank

Case studySource: Globalance Bank400’000300’000200’000100’0007% value appreciaon p. a.5% value appreciaon p. a.Surplus returnaer 20 years+46%CHF 122,000.–01 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21If you invest CHF 100,000 today, aer 20 years you will have an asset base of CHF 387,000 assumingan average annual return of 7% over that me frame. An investor who has to bear addional hiddencosts of 2% will only have assets worth CHF 265,000.Thus the investor with the lower costs achieves a surplus return of 46% over a 20-year me frame.Globalance Bank17

BiodiversitySince 1970, the animal popula-ons compiled in the global LivingPlanet Index have shrunk byroughly 30 percent.For protecon againstconicts of interestThe more independently a bank can operate, the more advantageous it is forclients. Because our business model dictates that we are compensated solelyby our clients, we can advise you with no conicts of interest whatsoever.Out of the same consideraons, we evaluate the most promising investmentopportunies available by independent partners.Investment strategy and processOur independence gives us the freedom to provide the type of service thatwe ourselves would expect to receive from a modern, future-oriented privatebank. We accompany you like an alpine guide through the variegated andpotenally risky product landscape. You gain access to globally selected investmentopportunies, as well as an overview of the relevant investment themesin all asset classes. And with convicon in our decisions, we invest a poronof our own assets in accordance with precisely the same strategies.Well-conceived allocaon to the major asset classes carries more weight thanthe selecon of individual securies. This disciplined diversicaon is the keyto dealing with risks in a prudent manner.For promising areas in which there are no investment vehicles that sasfy ourrequirements, we iniate new projects in collaboraon with our partners.The Globalance Bank network stands for innovaon and sustainability.Independence18 Globalance Bank

“Pleasure in the job puts perfeconin the work.”AristoteleGlobalance Bank19

Real estate and energyExisng buildings require on averagethree- to four-mes more energythan newly constructed buildings.Worldwide, roughly 30 percent of thegreenhouse gas emissions associatedwith buildings could be avoidedcost-eciently by 2020.A dierent approach to compensaonand nancial incenvesHidden in true pioneers is always an entrepreneur, and, as long as entrepreneursremain pioneers, a company will have a future. Why? Because theyconceive ideas and products that sasfy the needs of tomorrow’s customers.As coworkers and owners of Globalance Bank, we view ourselves as entrepreneursin this sense. Each founding partner has a considerable poron ofhis wealth invested in the Bank. That of course impels us to think beyondquarterly results or bonus periods and instead in terms of the broader corporatedimensions.Accordingly, our internal incenves are structured in a such a way that ouremployees are also commied with an entrepreneurial spirit to the longtermsuccess of our Bank. Thus the ambion of our team to preserve andmulply the wealth of each and every one of our clients is almost selfexplanatory.Entrepreneurship20 Globalance Bank

“Reward comes from serving,not from earning.”Tradional crasman’s wisdomGlobalance Bank21

InvestmentsFrom 2008 through 2010, thevolume of sustainable investmentsin Europe has increased by 90percent from 2.7 to 5.0 trillioneuros, and this despite thenancial crisis.When performance is morethan an end in itselfWith the claim of “Swiss banking with a mission”, Globalance Bank declaresits responsibility vis-à-vis the economy, society and nature.That also lies in the material interests of our clients. Those investors whodesire to preserve and increase their wealth over the long term have lileother choice than to invest it in future-oriented trends and concepts.And this with the goal of earning a market-consistent return that is built onthe benet it aords to future generaons.A viable, genuine project lies behind each successful nancial investment.Capital repayment and a return on investment are the economic yardscksin this regard. But on top of that, Globalance Bank adds qualitave criteriato the ways and means that its investment performance is achieved. Weevaluate and compare the impact of all our investments. This programmedscruny of the facts leads to beer investment decisions. Clients know moreabout where their money is being placed, feel more secure as a result, andtherefore guide their investments more consciously and purposefully.Impact22 Globalance Bank

“Swiss banking with a mission”Globalance Bank23

Bundled competenceThe personal and professional biographies of the Globalance team speakfor themselves. We are a crew of internaonally experienced andinterdisciplinary entrepreneurs and visionaries.As former CEOs, senior management members or project heads, we pass onour experience to the clients of Globalance Bank.As a seasoned team of nancial experts, we are developing Globalance Bankwith the shared vision of being successful through clearly percepbleintegrity.Our sta members are personalies who convince through theircapabilies.“We are building a bank where we toowould like to be clients.”About us24 Globalance Bank

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Get to know a bank that movesmore than just moneyWe look forward to welcoming you personally.ContactImprintTextMarkus Mäder, RapperswilGraphic designred Gráca netz Grak, Zurich and Palma de Mallorca26 Globalance Bank

Globalance Bank Ltd.Gartenstrasse 16 · CH-8002 ZurichPhone +41 44 215 55 00 · Fax +41 44 215 55 90info@globalance-bank.com · www.globalance-bank.com