Welcome to banking for demanding customers.

premiumbanking.bankaustria.at

Premium Banking

Only the best will earn my confidence.

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Welcome!Special requirements demand special service. We combine personal advice with skills and expertise, throughout all the regions of Austria.

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Your demand – our service: Skills and expertise for your assets.

• Personal. For a bespoke proposal, you can arrange an individual, one-on-one meeting with your personal Premium Banking

Consultant.

• Experienced. A reliable network of regional and international experts cooperating closely with each other delivers stability,

skill, expertise and top-quality advice.

• International. This also includes our eleven selected fund partners. Thanks to our long-term collaboration, you can also draw

on the wealth of experience of major international fund companies.

• Informative. Keep up to date. Our regular newsletter information service will keep you informed about current market devel-

opments, the view of the markets from our strategic market research, and interesting investment topics.

You can find us at more than 30 locations.Being close to you is important to us. That is why you can find our premium banking consultants at more than 30  locations all over Austria. This enables us to respond individually to your requests and to give you the best  advice on all questions and queries relating to your assets. You can find the full list of our locations at premiumbanking.bankaustria.at. In addition, the entire branch network of Bank Austria is at your disposal for our services.

With flexible appointment times and personalised customer consultations tailored to your needs, also using mod-ern technology – you will experience banking at the highest level.

Broad range of innovative services.As a universal bank, we offer our customers product solutions as well as investment advice and financing, insurance and payment handling services.

Asset investment: professional advice and a comprehensive, tried-and-tested palette of investment opportunities.

Financing solutions: turn your personal plans and projects into reality!

Asset transfer: retaining value for the next generation.

Asset report: your personal asset overview from a bird’s eye perspective.

Account and card: exclusive account and Visa Infinite credit card1) especially for demanding customers.

From your account to financing solutions and asset investment: expertise in all asset-related issues.

1) The Visa Infinite Credit Card is a product of the card complete Service Bank AG, Lassallestrasse 3, 1020 Vienna, Austria. When you sign up for the product, your contract will be directly with card complete.

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Asset investment.A personal discussion using the most up-to-date analytical tools, combined with an innovative range of services and products on offer.

Your individual goals and needs are our top priority. In general, we focus our efforts on preserving assets and managing risks through broad diversification. Our strategy of achieving the best possible combination of risk and earnings has enabled us to guide our customers successfully through the last few years.

Professional consulting tools.With the help of professional analytical and consulting tools, backed up by automation, we can provide an in-depth view of your portfolio.

What does your investment strategy look like? The starting point is always a holistic view of your portfolio. You will

receive a detailed presentation of the securities and other investments that you hold.

Are risk and yield in balance? Could you potentially generate more income with the same risk,

or  achieve the same yield at lower risk? You will receive answers to these questions for your individual portfolio as part of our “Risk Income Analysis” advisory service.

Which investment strategy do we recommend? A specific investment proposal based on our model portfolios, taking

account of your risk profile and your personal investment goals can pro-vide the basis for your future investment decisions.

Before taking any investment decisions or signing investment product agreements, please take time to read the paragraph entitled “What you should know as an investor/ important risk information” in the relevant detailed product profile or fact-sheet, as well as the full risk information contained in the statutory prospectus, and the key investor information documents (KIDs).

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Investing your wealth successfully – make your own decisions or delegate.Two models are available for your investments: the UNIVERS EXKLUSIV service model and 5Invest Asset Management – depending on whether you prefer to take your investment decisions yourself or to delegate them to our asset management team.

Successfully investment of my assets – but how?

Delegation.I choose a risk class and leave the specific investment strategy to the expert team at

Bank Austria Premium Banking.

VermögensManagement 5Invest UNIVERS EXKLUSIV

Partnership.I personally take decisions regarding individual

investments, but want detailed advice and useful information.

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Fund rating provides guidance. The Premium fund rating summarises the quantitative and qualitative

assessment, using the risk-reward profile. You can see at a glance for each of the fund products we review just how successful it is compared to similar products (comparison peer group).

Selected, checked and recommended.Various selected, audited investment funds from our eleven selected fund partners are offered by our advisory service.

You can draw on a wide range of expertise within Bank Austria Premium Banking. On the one hand, you can build on the ex-perience and expertise of our team of consultants and spe-cialists. On the other hand, you benefit from the quality, reli-ability and long-term experience of our eleven selected fund partners.

These international investment fund companies, verified by us, offer an outstanding and comprehensive range of fund products and specialist expertise in individual asset classes.

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General information.This Marketing Brochure was produced solely for information purposes and does not contain any investment advice or in-vestment decisions. In particular, it does not represent an offer or a request to make an investment. It is provided only as initial information and cannot replace advice tailored to the individual circumstances and knowledge of the investor.

Every capital investment harbours a risk. Values and yields of an investment may suddenly rise or fall to a considerable ex-tent and cannot be guaranteed. Currency fluctuations can also affect the development of the investment. The investor may not get back the total invested sum, for example if the capital investment only has a short term. The longer the in-vestment horizon, the less short-term fluctuations become significant. Your advisor will be pleased to assist you in find-ing the investment strategy that matches your needs.

Our brochure entitled “Summary of guidelines for managing conflicts of interest and for disclosure of benefits” provides information on Bank Austria’s principles for dealing with these issues.

Your Private Banking relationship manager will be happy to provide further information on these matters.

This document may not be passed on to American nationals.

Any reproduction – even in parts – is only permitted with the prior express permission of UniCredit Bank Austria AG. Please contact your advisor if you have any questions.

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Phone +43 (0)5 05 05-46000

Fax +43 (0)5 05 05-49293

e-mail premiumbanking@unicreditgroup.at

Internet premiumbanking.bankaustria.at

This marketing information was prepared by UniCredit Bank Austria AG, Rothschildplatz 1, A-1020 Vienna (media owner and producer).

Errors and misprints excepted.April 2019