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BCGE Avantage service

The BCGE Epargne 3 account and BCGE Synchrony Finest of LPP funds

• Grow your BCGE Epargne account each year with a net addition to your balance. If you hold an Epargne 3 account (min. value CHF 5,000) or units in the BCGE Rainbow fund (min. 50 parts), you are entitled to an interest bonus of 0.50%.N.B. The bonus for a net addition only is 0.25%.

• Become a BCGE shareholder by buying 20 shares which entitle you to an additional 0.50% bonus. No charges for custody. In addition, when there is a profits distribution, you will receive the annual dividends.

• Choose the BCGE Best of Investment mandate (min. value CHF 200,000)for your investments and receive a 0.50% bonus.

• Transfer in or conclude a mortgage loan with the BCGE (min. value CHF 200,000) and you will also receive an interest bonus of 0.50%.

The Swiss retirement pension mechanism is based on the so-called “three pillar system”. Assuming that customers take full advantage of the possibilities offered, this is an extremely efficient system.

The BCGE has been offering the Epargne 3 account via its Epargne 3 Foundation for many years now. It enables our clients to create a retirement plan by making regular deposits which are deductible from their taxable income5.

Furthermore, all or part of the assets of the associated 3rd pillar can ideally be invested in parts of BCGE Synchrony Finest of LPP funds and hence benefit from enhanced yield prospects, depending on the risk profile chosen.

To open an Epargne 3 account at the BCGE or to receive more details about the profiles of our investment funds, contact your BCGE adviser on 022 809 22 15.

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The BCGE’s unique loyalty programme enables you to receive annual interest bonuses which are automatically credited to your BCGE Epargne account at year-end. Find out how to enjoy the benefits of BCGE Avantage service and increase the amount of your bonuses below:

If you receive two or more bonuses, further benefits await you, such as invitations to events and discounts on certain services. Contact your BCGE adviser or consult our website www.bcge.ch/avantage_service for more details.

5 Maximum amounts in 2011: CHF 6,682 for people affiliated to a pension fund, CHF 33,408 or max. 20% of the income for non-affiliated independents.

Personal accounts: information 2011

Johan Bernard Alexander KroonMember of the Executive Board

Head of the Retail Banking division

Banque Cantonale de Genève

Pierrette Jaton KlopfensteinVice President

Head of the Marketing department

Dear Customer,

Every year, the BCGE improves its services and financial solutions. We are delighted to present the latest developments over the course of the following pages.

Our new daily banking packages give you access to the full range of banking services to manage your cash efficiently and at a reasonable cost.

The BCGE Privé account (previously BCGE Salaire), combined with the BCGE Maestro card, the BCGE Visa or Mastercard credit card and the e-banking solution, BCGE Netbanking, comply with the latest technological standards and enable you to make your payments, obtain cash, or pay for your purchases in Switzerland and abroad.

To facilitate your access to BCGE Netbanking, attractive benefits have been negotiated with our partners: on page 2 you can find out how to upgrade your computer equipment, connect to the internet, install security software or take part in training seminars.

You can now also manage your securities portfolio totally independently, thanks to the new BCGE 1816 e-brokerage solution which is integrated into the bank’s e-banking platform. It is aimed at those who, by virtue of their sound knowledge of the financial markets, wish to carry out their own stock exchange transactions, whenever they want and at very attractive rates.

Over the following pages, you will also find more details about our BCGE Avantage service loyalty programme, our Epargne 3 account and our updated range of services for young people between the ages of 15 and 25, be they employed or students. They now have access to the same services as their elders, with several specific advantages.

Your BCGE adviser is available to help you in your choice of banking solutions. Don’t hesitate to get in touch. Consult our website at www.bcge.ch, or visit one of our 22 branches in the canton of Geneva and our BCGE Private Banking branches in Lausanne, Zurich or Lugano.

We would like to take this opportunity to thank you most sincerely for your loyalty and to wish you a very Happy New Year.

Case postale 22511211 Genève 2

Téléphone +41 (0)58 211 21 00E-mail info@bcge.ch www.bcge.ch

Depuis 1816

Geneva, January 2011

: : access to the stock exchange in total independence

BCGE sets for day-to-day banking needs

: equipment and training offers

2 3

From 1st January 2011, all the current accounts, Latitude, Nomade and Formation, held by young customers aged between 15 and 25 will be transformed into a BCGE Privé account, which will include the following specific benefits:

• Free BCGE Maestro cards4

• Free BCGE Visa or Mastercard credit cards4

• 50% reduction in entry fees for a Swisscanto Flex Invest savings plan • Welcome gift and sponsorship offers

Our 15-25 year old customers therefore have access to all the essential services they need to manage their first earnings and their introduction to financial autonomy. A BCGE adviser is there to accompany them as they enter active life, to give expert advice and arrange the conditions of use for the services required to meet their every need.

Furthermore, some very attractive advantages are reserved for our young customers. Find out more on our website www.bcge.ch/jeunes.

Wider range of services for young adults

Save time, save bank and postal charges every day by using BCGE Netbanking, the e-banking solution which is reliable, simple and highly efficient!

All you have to do is ask for a free subscription contract onwww.bcge.ch/netbanking or call 0800 55 57 59.

To facilitate your access to internet and BCGE Netbanking, we have negotiated a whole package of equipment and training services with our partners at very attractive rates for our clients:

• Technician to install your internet connection or update your computer at your home• Temporary free use of McAfee security software• Initiation to internet or training on how to use BCGE Netbanking

You can find more details about these offers on our website www.bcge.ch/offres-netbanking or from your BCGE adviser.

1Excluding Business partner conditions 2CHF transactions via BCGE Netbanking within Switzerland are free

3Securities quoted on Wall Street, Amex stocks and Nasdaq growth stocks 4Subject to the conditions of eligibility. Limitations on use depending on the individual situation

BC

GE

set

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sFrom 1st January, your account BCGE Salaire is renamed BCGE Privé and is even more attractive thanks to the new BCGE sets1.

Sets BCGE and BCGE Plus :

Flexible management of your day-to-day banking• BCGE Privé account to receive your revenues and manage your cash on a day-to-day basis

with a very competitive account fee of CHF 3/month

Facilitating your purchases• BCGE Maestro Card, free the 1st year, then only a CHF 20 subscription fee each year.

Free withdrawals from all Cantonal Bank ATMs, the largest network in Switzerland. BCGE Visa or Mastercard credit card, free the 1st year

Your on-line banking operations managed 24 hours a day• BCGE Netbanking, the solution for consulting your accounts, receiving your invoices

and making your payments from your home free of charge2

Your loyalty rewarded• BCGE Epargne account, for your cash reserves and access to our BCGE Avantage service

loyalty programme (see page 4)

Your financial future in total security• The BCGE Epargne 3 account, the indispensable foundation for your individual retirement

pension which reduces your taxes. Preferential interest rate currently at 2%

Thanks to the new BCGE sets, your cash is available for you to manage independently 24 hours a day, in Switzerland or abroad, and you can grow your savings with the best conditions. Call today your BCGE adviser on 022 809 22 60,consult our website www.bcge.ch or simply visit your usual BCGE branch.

BCGE 1816, the new BCGE service launched in spring 2010, now enables you to manage your securities portfolio directly on internet, independently and at very attractive rates: For example, a share buy order on the Swiss market, up to a value of CHF 25,000, only costs CHF 35!

As well as buying or selling shares and bonds on the Swiss, European (London, Oslo), American3 and Canadian markets, with BCGE 1816 you can also access the financial data of stock markets via the Cantonal Banks’ specialised website yourmoney.ch.

For this, you only need to have a BCGE Netbanking contract and request the BCGE 1816 on-line stock trading access.You can complete the subscription application directly on our website www.bcge.ch/netbanking.

Are you interested in this service?

Don’t hesitate to ask your BCGE adviser for further details or call us directly on 022 809 28 09.