Prospectus - Notowania

(ii) credit, debit and prepaid cards, with the possibility for the customer to choose
the VISA or Mastercard circuits both for credit and debit cards;
(iii) mortgage and other loans, intended for both new requirements, such as first-time
home buyers, and the replacement of mortgage loans taken out with other banks;
(iv) consumer credit and personal loans to be repaid by means of portions of wages
or salaries amounting to up to one fifth of the total remuneration (so-called
“salary-backed”), with a vast range of products studied for the various financing
needs of the customers;
(v) life assurance policies, certificates of deposit and bonds specifically conceived
for the mass market needs; and
(vi) non-life business insurance policies covering loans.
Product solutions dedicated to specific customer segments or personalized on the basis
of related requirements, are also envisaged.
With reference to affluent customers, the range of services is represented by
“UniCredit First”, an advisory service which has the aim of permitting the UniCredit
Group to cover a leading role in this customer segment. This service model was
launched in November 2005 by UniCredit Banca and was extended to all the retail
banks in the UniCredit Group operating in Italy.
Specifically, the “UniCredit First” service model is based on five key elements:
− the assignment of a dedicated consultant with specific training available for allround
advice;
− the sub-segmentation of the customers, so as to meet the specific needs of each
sub-segment by means of adjusting the level of the service offered;
− the analysis of the customer needs, so as to be able to offer a systematic response
to all the financial needs in relation to the various timescales;
− the financial efficiency principles, in order to guarantee consistency between the
customer’s risk profile, the timescale and the allocation of the investments using
asset management as a fundamental instruments for diversification; and
− the commercial processes aimed at supporting the advisory activities carried out
by the consultant over time, by means of centrally scheduled and governed
meetings.
Within the sphere of the market and products ascribable to asset management, offered
to both mass market customers and affluent customers, the range of asset management
and life bancassurance products, even following the recent crisis which characterized
the financial markets, was affected by measures aimed at making said range more
efficient and streamlining it. Within this sphere, the UniCredit Group is able to offer,
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