E-BANKING GUIDE

1
TABLE OF CONTENTS

Login procedures
Navigation & Information
Assets
Stock Exchange
Enter Payments
Manage Payments
Messages
Settings
Security information
WELCOME TO FINE PRIVATE E-BANKING

Falcon Private Bank E-Banking offers you comfortable and secure access to your accounts and
portfolios anywhere and at any time.

Our e-Banking solution gives you the possibility to view e.g. positions, transactions and history,
as well as selected statements enabling and effortless and secure E-mail communication with
your personal relationship manager.
In selected locations e-Banking clients will benefit from executing stock exchange transactions
and payments.

To access our e-Banking services simply go to our website: www.falconpb.com and select
E-banking.*

This guide provides all relevant information and functionalities of our e-Banking services.
Should you require any further information which is not covered by the guide, please contact
your relationship manager at Falcon Private Bank who will be glad to assist you.

We recommend you to read the last section of this guide with particular care. It describes
security precautions which are relevant for general computer and internet usage as well as
for internet banking.
*For your security, we advise you to always access our E-banking platform from our Website www.falconpb.com

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 LOG-IN

1
STEP 1

To access Falcon Private Bank E-banking for the first time, please visit our website
(www.falconpb.com) and then click on E-Banking link. For your own protection, you should
never access our E-banking platform from an e-mail link provided to you by e.g. e-mail.

After selecting E-Banking on www.falconpb.com, you will be taken to the login screen (1).

Please select the language of the login procedure and of your E-banking top right of the
log-in screen.

Then enter in the dedicated fields your:

Contract number e.g. 123456879
Password e.g. ab1CdEFgh

Both Contract number and initial Password have been sent to you by regular mail.

Then click Login.

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 LOG-IN

2
STEP 2

Thereafter screen (2) will appear.

Please enter the Mobile Activation Code that you have received by regular mail
e.g. A1BC in the dedicated field.

Click Activate.

The Mobile Activation code will only be requested the first time you log in to
your E-banking.

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 LOG-IN

3
STEP 3

The E-banking system will now require you to enter your mTAN.
This is the code that you will receive to your defined mobile phone.
You receive this code automatically once you have completed the first two pages
(with the contract number and password, and the mobile authentication code.)

Please enter the code in the dedicated field and click Continue.

The code will be resent automatically within a few seconds, should you not receive or
use the first sms (mobile text message).

Select Resend mTAN and you will receive a new code to your mobile phone.
Please note that for security reasons the mTAN will expire after a minute.

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 LOG-IN

4
STEP 4

On your first access to e-banking you will need to change your password.

Define a password in line with the guidelines described on screen (4).

Please bear in mind the security precautions regarding passwords.

(Please see the section E-banking Security at the end of this guide.)

Then click Continue.

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 LOG-IN

5
STEP 5

Once you have completed the initial access procedures you will be taken to the next
screen (5).

Please click Continue to access your E-banking.

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E-BANKING LOGIN
E-BANKING ACCESS

The next time you want to access your E-banking you will need the following three items
of identification:
Your contract number
Your new personalized password
The mTan i.e. SMS code. (The SMS code is sent to your mobile phone automatically and is
specific to each session.)
Please remember that you will automatically be logged out of the E-banking if you are
inactive for 15 minutes.
Your relationship manager at Falcon Private Bank will be happy to assist you during office
hours if you have any questions. The E-banking service is available 24x7. Any service
windows (non-availability) will be communicated on the E-banking platform.
Banking holidays, cut-off times and other execution principles for transactions and
payments are the same for E-banking as for any order that you might place directly
with your relationship manager.
All transactions are subject to your fee model.

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WELCOME TO E-BANKING

E-banking is easy to navigate by using the links on the left side of this page.

The main sections in the navigation are:

Assets - Overview of your assets and accounts, incl. graphical illustrations
Stock Exchange Overview of your orders, possibility to enter buy and sell orders
Enter Payments Possibility to enter various types of payments
Manage Payments Overview of your payments, possibility to define standing orders and
templates
Messages - Account statements for downloading, communication with your relationship
manager
Settings Possibility to define your preferred settings of your E-banking and to lock account
Relationship Search for relationships within your e-banking

You will automatically be taken to the first section Asset Overview when you log in. If
you have received any messages (general or from your relationship manager) since your last
login, you will be taken directly to the Messages section.
You can also choose to select your Landing page under Settings

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YOUR ASSET OVERVIEW

Your Asset Overview shows your total assets split by portfolio, and in your reference
currency.

The overview offers the possibility to sort the portfolios with various criteria by clicking
on the little arrows next to the column labels.

On the top right you will find the Excel and pdf icons. On all pages where these icons
appear, you have the possibility to export the information of the page into the respective
formats.

To access the details of the portfolio, either click directly on the Portfolio number in the
overview or click on Portfolio Overview in the navigation bar.

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YOUR PORTFOLIO OVERVIEW

The Portfolio Overview provides a complete overview of your positions, categorized in the
various asset classes.

For each position key information is presented on this overview.

The overview shows e.g. the quantities, respective prices (per day end previous business day)
and the percentage allocation within the portfolio.
By clicking on the Portfolio drop-down menu at the top of the page you can also switch
between your portfolios.

If you want to see further details of the respective position just click on the instrument
Description.
This will guide you to a separate page (see small image) Position Detail where you can view
further details such as sector, rating, ISIN and accrued interest.

The buttons with + and - to the right of the screen will take you immediately to the Stock
Exchange section to do buy or sell transactions on the selected position.

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YOUR ASSET GRAPHS

The Asset Graph will present you a graphic illustration of your portfolio.

The graphs can be either grouped by Investment type or Currency by

selecting the corresponding description in the dropdown field Group by.

Also on this page you can select to export your graphs into a pdf format.

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YOUR ASSET ANALYSIS

In the Asset Analysis you have further possibilities to view the composition of your portfolio.

Select Portfolio in the drop-down at the top of the page

By selecting Percent values or Absolute values the table below will be adjusted to show the
allocation of your selected portfolio.

Also on this page you can select to export your graphs into a pdf format.

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YOUR ACCOUNT STATEMENT

In the Account Statement you can select any of the account numbers that are part of your
E-banking contract.

On the lower part of the page you will find all movements of the selected accounts includ-
ing e.g. transfers or transactions. In the upper part of the page you can choose to limit your
search by defining a Period to display, or the Number of postings.

Enter your preferences in the available fields, then click Update.

Sorting of the displayed information is also conveniently offered by the small arrows next
to the column labels. Also the export functionality (Excel or pdf) is available at the top right
corner of the page.

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YOUR TRANSACTION HISTORY

The Transaction History will display all transactions which have been done in one specific
portfolio. This is the total overview - all transactions done either by the relationship manager
or by yourself are visible in this overview on the next day.

Same as for the Account Statement you can limit your search by using the fields in the upper
section of the page, as well as sort the results with the arrows, or export the information to
Excel or pdf.

Should you have questions related to one transaction, you can access more detailed informa-
tion by clicking on the transaction text in the Description column.

Please remember that the information displayed shows the status based on the previous end
of business day.

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STOCK EXCHANGE - GENERAL

In the Stock Exchange section you have the possibility to buy and sell securities. All products
with a security number, such as Stocks, Bonds, Funds or Structured Products can be traded
through the E-banking. Some product types such as currencies/FX, commodities, money
market/fiduciary placements and other OTC products cannot be traded via the E-banking.
For such products, please contact your relationship manager.
The products you can trade via E-banking might be restricted by your Risk Profile, which
you have defined together with your relationship manager. I.e. you might not be able to
buy structured products.
The execution of products is near real time. However, please note that due to lot size,
matching or other a delay might occur. On page 40 you will find the overview of where
you can monitor the trading status.
To initiate Stock Exchange orders you have two possibilities.
Either click on the separate navigation Buy if you want to acquire a security which you
have not yet in your portfolio; or click on the navigation Buy/Sell to do a transaction
on positions that you already have. The Buy/Sell will take you to the overview page, on
which you can select the specific position; click on the + or to proceed.

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STOCK EXCHANGE HOW TO BUY A NEW TITLE

If you choose to enter a buy order for a product that you do not have in your portfolio, you
will need to search for the product before proceeding to the order entry.

You can search for a product using e.g.. Symbol or ISIN.

If you are not sure about the name of the product add a % sign before and/or after the
information you search for e.g. %AB%
This will bring you a list of products matching your search criteria.

Would you wish to search for a product which is not yet available at the Bank, it will not
appear in the search. For such products we kindly ask you to contact your relationship
manager to place the trade.

Once you have selected the Title you want to Buy or Sell by using the Buy function (as
described in this section) or the Buy/Sell function from your portfolio (see previous page)
you will arrive to a detailed transaction page. This is described on the next page.

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STOCK EXCHANGE TRANSACTION DETAILS

Once you have selected a position that you want to sell, for instance, you will be taken to
this page.
The known information such as title and smallest denomination will be automatically dis-
played. The rate or latest price shown is the price per end of day the previous business day
(informative). The transaction will be executed on the market selected with the applicable
rates (e.g. current market rate or limit)

Select the portfolio and settlement account in the upper section of the page. (If you choose
a settlement account in a different currency than the security, an implicit currency exchange
will be made.)

Then complete the necessary information such as Quantity and Type of execution Market
price or Limit.
If you do not enter a validity date the order will be valid for a month as a standard.

Once you have completed the information click Next to proceed or Back to go back to
the overview.

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STOCK EXCHANGE CONFIRM TRANSACTION

By clicking Next you will be taken to this page where the details of your order are once
again displayed.

We recommend you to make it a habit to always control the information.

Once you have completed the controlling click Execute to send the order to the Bank for
execution.
Or click Back if you want to adjust your order.

Please be aware that the deadline for same day execution of trades is according to the
respective stock markets close and the Banks regular cut-off times.

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STOCK EXCHANGE STATUS MONITORING

Once you have selected Execute, a new section will appear at the bottom of the page.

It will show you the status of the order you just entered in the Order Book.

All orders will be traded with the current market prices. (This might cause discrepancies
between the stated rate on the order and the execution price.)

To see the details of the title you can click on the description under the Title.

Also here you can select pdf to export the information.

You can also click on the Order Book button. This will then navigate you to the Order Book
where you can see the status of all the orders that you have placed. (You can also access
the Order Book by using the navigation Order book on the left of the page)

If you want to make additional orders you can click New order or click on the navigation
to the left.

39
STOCK EXCHANGE STATUS MONITORING

In the Order book you can view and sort all your orders based on portfolio and dates.
Select or enter the information that you wish to see, then click Update.

The order book will offer you to see the status of all your orders until they are fully com-
pleted and booked to your portfolios.

The Status will range from Entered to Executed.

Should the order show the status Rejected this can be caused e.g. by non-compliance with
your risk profile or if the order exceeds your limits. In such cases we recommend that you
contact your relationship manager to follow up on the trade and to give you direct support.

In general the same rules apply for the E-banking as for the general interaction with the
Bank (cut-off times and fees)

Also here you can select Excel or pdf to export the information.

41
YOUR PAYMENTS - GENERAL

Under Enter Payments you have the possibility to enter payments of various kinds.

The Orange & Red payment slips are tailored to the Swiss market.
Domestic Payment allows payments in Swiss Francs only
Payment abroad enables international payments in various currencies.
Account Transfer gives you the possibility to comfortably transfer funds between your
various current accounts.

The next section on the navigation Manage Payments enables the monitoring of your
payments

Entered payments allows you to monitor your payments in various statuses of execution
Standing orders offers an overview of all standing orders that you have defined within
the e-banking
Payment templates & lists offers possibilities to pre-define payments and re-use the
information (e.g. recurring payments, that you do not want to define as standing orders)

43
YOUR PAYMENTS ORANGE & RED PAYMENT SLIPS
(SWISS STANDARD)
By selecting Orange or Red payment slip you will find the respective payment order types.

Select the Debit account in the drop-down menu at the top of the respective pages. If you
choose to debit an account in a different currency than the payment order itself, this will
result in an currency exchange transaction for your accounts.

Complete the information required in the respective fields.

Then select the Execution type.

If you choose Single payment the transaction will be completed once. By choosing Standing
Order you will be required to enter further information regarding recurrence and duration.

By clicking Next you will be taken to a confirmation page where the details of your order
are once again displayed. We suggest that you make it a habit to always control the infor-
mation. Once you have completed the control click Execute to send the order to the bank
for execution.

Or click Back if you want to make any adjustments.

45
YOUR DOMESTIC PAYMENTS (CHF)

By selecting Domestic payment you have the possibility to effectuate payments within
Switzerland in Swiss Franc (CHF)

Select the Debit account and complete the information requested for the various fields.

Choose IBAN or Credit account to define the receiving account.

If you choose Credit account you need to add the Bank Clearing Number.

Click on Selection and you will have the possibility to search for the right bank. Enter e.g.
the name of the Bank in the respective field, then click Search. You will receive a list of all
banks matching your criteria. Click on the Bank Clearing No to select the correct bank.

Click Next.

This will take you to a similar confirmation page as for Stock Exchange orders.
We suggest that you make it a habit to always control the information.

Click Send to proceed and Back if you want to make any changes or cancel the payment

47
YOUR DOMESTIC PAYMENTS

Once you have selected Send you will receive a confirmation that the payment was sent
for processing.

This is not a confirmation of the payment itself.

At the bottom of the page you have the possibility to e.g. save this payment as a
template or in a list, to change to your entered payments overview or to enter a new
payment.

49
YOUR PAYMENTS ABROAD

By selecting Payment abroad you have the possibility to effectuate payments in various
currencies to various countries.

Select the Debit account and complete the information requested for the various fields.
Click on Selection and you will have the possibility to search for the details of the receiv-
ing bank. Enter e.g. the name of the Bank in the respective field, then click Search. You will
receive a list of all banks matching your criteria. Click on the Bank Clearing No to select the
correct bank.
Please be aware that for payments into many countries you will be required to enter the IBAN.

Remember to choose how charges are to be allocated between you and the recipient.
Then click Next.
This will take you to a similar confirmation page as for Stock Exchange orders. Make it a habit
to always control the information. Click Send to proceed and Back if you want to make any
changes or cancel the payment.

Also for the Payment abroad you will receive a confirmation that the order has been sent for
processing. And you will have the possibility to selected between the options at the bottom
of the page e.g. new payment.

51
YOUR MESSAGES INFORMATION AND COMMUNICATION

Under Messages you will find information from the Bank and you can communicate with
your relationship manager at Falcon Private Bank.

Communication contains information from the Bank to all e-banking users. This can be e.g.
information about maintenance windows.

Mailbox offers an overview of all e-mail communication between you and your relationship
manager.

Under Send mail you can compose a new e-mail to your relationship manager.

E-docs is the archive to which you can receive selected Bank statements.

53
YOUR MESSAGES COMMUNICATION WITH THE
RELATIONSHIP MANAGER

Under Send mail you can compose a new e-mail to your relationship manager

Click on the navigation bar Send mail to arrive to the composing section.

Add a Subject, then ensure the recipient in the field named To is the Advisor, then add
your Text in the dedicated field. You can also choose to attach files in standard formats
such as jpeg., ppt., xls. Once you have completed the information, press Send.

The e-mail will be delivered directly to your relationship manager. The responses from
your relationship manager will be available under Mailbox in the Navigation bar.

By selecting Folder you can see the e-mails sent from you to your relationship manager
(outbox) or received from your relationship manager (inbox).

You can select various mails and archive these by using the Archive button, or to Delete
them.

55
YOUR MESSAGES STATEMENTS

E-Doc is the archive to which you can receive selected Bank statements.

The statements advices, account statements, portfolio statements will be delivered to you
on e-Banking if you have chosen this option. This can be your sole mode of delivery or as a
complement to another delivery option. Please define this together with your relationship
manager.

By selecting Status, you can choose to see all statements, Read or Unread.
By using the Subject or Date, you can further narrow your search.

You can sort the statements by using the arrows next to the descriptions of the columns.

By clicking Download selected you will receive the statement(s).

57
YOUR SETTINGS

Settings will allow you to change some settings of your e-Banking.

Under Basic Settings you can select e.g. landing page, number of postings on your account
statement etc.

Under Administrate Mobile phone number you can change the mobile phone number for
the SMS token. For security reasons the change must be authorized by the Bank and you
will receive the new code by post.

Please always inform your relationship manager about such a change.

The Lock account function will allow you to lock your e-Banking. This can only be
unlocked by the Bank.

Change Password is the easiest way for you to change your password.

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E-BANKING SECURITY

For your security we would like to inform you about some precautions which are of general
relevance when using your personal computer and internet:

Always have an anti-virus, anti-spyware and firewall software installed on your personal
computers in particular if you use the internet (e.g. via broadband connections, digital
subscriber lines or cable modems). Ensure to update these protective products regularly.

Remember not to install software or run programs of unknown origin, and to make regular
back-ups of critical data. You might want to consider to use encryption technology for highly
sensitive data.

It is recommended to always log off any online sessions and to turn off the computer when
not in use. Also the removal of file and printer sharing should be ensured when you are not
using the internet and/or actively want to use such functions.

Please ensure to be generally careful when receiving or providing information over the
internet e.g. do not open email attachments from strangers, delete junk or chain mails
unread; do not disclose any personal, financial or credit card information to little-known
or suspect requesters or websites.
In addition to the general security precautions for internet usage we would like to raise your
attention to some important points when using E-banking:

Please remember that the use of public or internet caf computers to access online banking
might not be safe (see previous page). Therefore, we do not support to access E-banking
neither via such public computers nor from any other computer or device which cannot be
trusted.

User-IDs (Contract numbers) and PINs (password codes) are the key to your sensitive infor-
mation, therefore it is important to protect them carefully. Some key points to remember:
Keep the User-ID and PIN confidential. Do not divulge them to anyone, but memorize them
and do not recorded them anywhere.
Define your PIN according to the directions in the E-banking: 8-12 characters with at least
one number or special character, and at least one character case-sensitive.
Remember not to base your User-ID or PIN on personal telephone number, birthday, other
personal information or other user-ids. Also do not use the same for different websites,
applications or services, particularly when they relate to different entities.
Change your PIN regularly.

61
E-BANKING SECURITY

The best way to access E-banking is to use the link on the Falcon Private Bank website:
www.falconpb.com and select E-banking. Always control that the URL (web-address)
is changed from http:// to https:// once you have selected the link and that the security
symbol (a green lock to the left of the address (Firefox), a lock to the right of the address
(Explorer)) appears next to the address. This is the sign that the connection is properly
encrypted.

Do not select the browser option to store or retain the link, User-ID or PIN, and please
remember to do a comparison of the URL and the Falcon Private Bank name. Do not
register the link anywhere.

As you will use your mobile telephone to receive the SMS-tokens (one-time-password
which are specific to your session), please ensure to protect your telephone and immedi-
ately block your e-banking account should you loose your telephone. The easiest way to
do this is to call your relationship manager during office hours, or to repetitively attempt
to log-into e-banking with the wrong PIN during non-business hours. (Normally, when
locking the account the best way is to use the function within the e-banking.)
 Never access the e-banking using a link that has been provided to you in an e-mail. The
Bank will never provide you the e-banking link in an e-mail nor will it allow or request
your to open an e-banking account online.

Also never provide your identification data contract number, password or mobile
code(s) per e-mail to anyone. The Bank will never request you to do so.

If you forget your identification data (Contract number, password or any other individual
specific information) and need new ones, please bear in mind that if your relationship
manager cannot properly identify you by phone (as according to the banks standards
for identification of clients), you might be requested to provide your request in written
form and the access data will be provided to you to the originally defined postal address.
This procedure would apply to cases where the identity cannot be fully determined and
to prevent fraudulent actions.

Please contact the bank if you have any doubts about authenticity or suspect that you
have been subject to an external advance.

63
Falcon Private Bank Ltd. | Pelikanstrasse 37 | P.O. Box | 1376 8021 Zurich, Switzerland
Phone +41 44 227 55 55 | Fax +41 44 211 55 11 | www.falconprivatebank.com