GLOBAL REACH, PERSONAL TOUCH

www.loyalbank.com

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

ABOUT US

WHO WE ARE

Loyal Bank was founded in 1997 in St. Vincent and the Grenadines, an independent island state nation and a full member of the British Commonwealth, in the West Indies. Loyal Bank is the largest and longest established international private bank in St. Vincent and the Grenadines.

Loyal Bank was founded to meet the needs of individuals and companies in the global market for an international private bank with full internet banking capabilities that can be used by clients worldwide. The bank is now a financial institution that provides a wide range of services focusing on customer satisfaction and reliability. Currently Loyal Bank has customers from more than 120 countries and operates in 16 langauges. Please feel free to contact or visit us so we can assist you in your financial needs.

Our Head Office is located in Saint Vincent and the Grenadines and we also maintain a Representative Office in Budapest, Hungary, to service and assist our customers in their own region and time zone.

ST. VINCENT & THE GRENADINES

• Saint Vincent and the Grenadines is a stable and independent country in the West Indies with a flourishing tourism and financial sector.

• Full member of the British Commonwealth, the United Nations, the Organization of American States, the International Labor Organization, CARICOM, and the Organization of Eastern Caribbean States.

• St. Vincent and the Grenadines has up-to-date laws ensuring proper preservation of confidential relationships in financial services and the business langauge is English with legal practice following English Common Law.

ALWAYS PLACING THE CUSTOMER FIRST!

Efficient communication with our customers and business partners is a key aim for Loyal Bank. It is our goal to keep all communication channels open at all times in order to assist with any enquiry that may reach us. Notice for residents of the United Kingdom.Loyal Bank is not yet regulated by the Financial Services Authority of the United Kingdom ( the FSA ). For this reason the services of the United KingdomFinancial Ombudsman and the Financial Services Compensation Scheme are not available to residents of the United Kingdom who may have an interest in purchasing servicesor products from Loyal Bank.

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

KEY FACTS

RELIABILITY

• Largest International Bank in St. Vincent and the Grenadines• Principal member of MasterCard• Member of SWIFT• Audited by KPMG• Regulated by the International Financial Services Authority• Data is securely archived and subject to strict confidentiality by law• Up-to-date Anti-Money Laundering and Know Your Customer procedures• Correspondent banks include Commerzbank and Barclay’s Bank

AFFORDABLE

• No minimum deposit required• Low cost account opening fees• Bankcard and on-line Banking is included in account opening fees

• All fees are disclosed up-front

ACCESIBILITY

• Account opening in four working days, upon reception of complete and notarized documentation• Customer Services in 16 languages available

from our dedicated team 24/7: English, German, Russian, Spanish, French, Portuguese, Japanese, Slovak, Czech, Chinese, Polish, Italian, Romanian, Korean, Serbian and Croatian. Our team will respond in person to your phone, skype or email calls at once and we have no annoying voice response system that presents you with endless menus or keeps you on hold

• Representative Office in Europe• No personal presence required for account opening

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

BANK ACCOUNTS

PERSONAL AND CORPORATE BANK ACCOUNTS

With each of these accounts and a Digipass our customers are able to:

• Access our NetBank to view current balances, incoming and outgoing transfers, and cardtransactions

• Initiate a transfer from Loyal Bank to any other bank in the world via SWIFT or to another account within Loyal Bank in USD, EUR, GBP, CHF, JPY and CNY

• Manage on-line Loyal Bank multicurrency accounts in USD, EUR, GBP, CHF, JPY and CNY.• Receive notifications by SMS text message of credit and debit transactions on the account• Receive transfers or payments from any other bank in the world via SWIFT in USD, EUR, GBP, CHF,

JPY and CNY• Request a Maestro/Cirrus or MasterCard Debit card linked to a USD or EUR account• All transactions can be executed on-line with our secure NetBanking, which is

available in 16 languages

What is a Digipass? A Digipass is a pocket-sized

device which provides an authentication code and an

electronic signature that allows for secure customer identification and access to our NetBanking system.

SMS AND E-MAIL SERVICE

Loyal Bank offers you the convenience of receiving SMS text message alerts of your bank account activity on your cell phone or

via e-mail notifications. SMS alerts allow you to keep up-to-date with any activity within your

account, informing you whenever a credit or a debit transaction has taken place on your bank account,

while e-mail notification allows you to protect your bank card from fraudulent transactions. Using this service you will

receive an e-mail whenever a transaction is made with your bank card.

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

TERM DEPOSITS AND ESCROW SERVICES

TERM DEPOSITS

Loyal Bank offers its customers Term Deposits which are fixed-period investments ensuring high yields with guaranteed fixed interest rates for the period of the investment. No matter what happens to interest rates in your chosen currency, the interest rate on your TD investment will not change until the maturity of your deposit.

TDs are available for periods from 1 month to 5 years in US Dollars, Euros or Pound Sterling and the current interest rates are always available on our website. All interest is paid to you tax-free under the law of St. Vincent regardless of the currency or the deposit period. Upon maturity you can renew your Term Deposit with interest compounded or you can renew your original invested amount and have your interest credited to your account in Loyal Bank. If you don’t want to renew your Term Deposit at maturity, your deposited amount with interest will be credited to your Loyal Bank account.

For current interest rates please visit our website.

For term deposits for more than 5 years, please contact us and we can provide a personalized interest rate.

ESCROW SERVICES

Loyal Bank can assist you with securing your international transactions by offering a brand new service – the Escrow account. The Escrow (account) is a blocked bank account held with a neutral and financially trusted third party. This trusted third party, the Escrow agent, will distribute the funds in the blocked bank account only on the basis of an agreement between the contract parties (Buyer, Seller, Escrow agent).

Escrow agreements and transactions are individually tailored to meet the needs of the Buyer and Seller, and every transaction is different, so please contact us for further details.

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

INVESTMENT TRADING

LOYEX, INVESTMENT TRADING

LOYEX provides online Forex, and commodity trading to a growing number of individual and institutional traders 24 hours a day/5 days a week with support services in 16 languages. We are committed to providing our clients with the most competitive trading conditions, delivering high liquidity, low spreads, advanced technology and professional customer service.

Your benefits from trading through LOYEX

• Multilingual client support in 16 languages• Personalized fees and conditions• Powerful and user-friendly trading software• Trading Strategy Programming Service • Excellent liquidity and streaming real time prices• Multicurrency account denomination• Trade directly from real-time Forex charts embedded in the

trading platform• Customizable risk management tools• Mini lot trading is available

DISCLAIMER

Please kindly note that LOYEX does not provide any trading advice of any sort to investors or callers.

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

BANKCARDS

Loyal Bank is a principal member of MasterCard International and issues US Dollar and EUR denominated Cirrus/Maestro and MasterCard debit cards. Debit cards issued by Loyal Bank are linked to the cardholders’ US dollar or EUR bank account, whether it is a personal or a corporate account, and are not credit cards with an independent credit limit.

We offer our customers two different debit bankcards: Maestro/Cirrus and MasterCard debit. These cards can be used on one of the largest ATM and Point-of-Sale networks in the world and anywhere the MasterCard or Maestro or Cirrus logos are seen.

Maestro/Cirrus Card

This debit card can be used worldwide at over a million ATM cash machines and at more than 32 million commercial outlets and anywhere the Maestro/Cirrus logo is displayed.

MasterCard Debit Card

This card has all the features of a credit card but with no credit line: the amount you can spend is limited only by your Loyal Bank account balance, although we do have a daily limit for your protection. It is accepted at all locations worldwide where the MasterCard logo is displayed (ATM and POS alike), as well as for internet shopping and for pre-authorizations, such as for hotels or car rentals.

Platinum MasterCard

This card is designed for our most prestigious clients and focuses on the particular needs and interest of a worldwide elite. It offers a close and trustful relation to your bank (dedicated key account manager, concierge service, family package), exceptional investment opportunities (Loyex, Loyal Gold, Term deposit, Private Banking), and improved flexibility (extended ATM/POS limits, MasterCard Global Service, Price-, Purchase- and ATM Robbery&Assault Protection). The card is available in EUR and USD, and accepted at all locations worldwide where the MasterCard logo is displayed.

Security

To protect you our debit cards are PIN protected and card usage alerts are available worldwide for our customers to keep track of their card movements. Customers can also apply for chargebacks in case their card has been used without their authorization.

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

CORPORATE PAYMENT SYSTEM

The Corporate Payment System

Loyal Bank has developed a flexible international card program that allows distributing funds worldwide to any number of employees or agents in a time and cost effective way.

With the CPS a company can provide Loyal Bank debit cards in USD and EUR to members in order to transfer funds to them for commissions, salaries, dividends, travel expenses, etc.

Distribute funds to your members anywhere in the world onto their Loyal Bank debit cards.

Who can use the CPS?

• Logistic companies and cruise lines • Construction companies staff• Aviation and shipping crews and staff • Direct selling/multi-level marketing services• Affiliate and advertising networks • Film and entertainment staff• Clubs (business clubs, frequent traveler’s clubs, etc.) • Forex trading company investors

And other organizations that have members/employees abroad.

*Due diligence documentation for sub-account holders should be submitted within 30 days of account opening. Each sub-account holder is asked to provide us with the following documentation to enable us to open their account:

1. A notarized copy of a valid and current passport (US and Canadian citizens are also asked to provide a notarized copy of their driving license). 2. A notarized copy or original of the Utility Bill in the name of the sub-account holder (as a proof of physical address).

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

CORPORATE PAYMENT SYSTEM

The Corporate Payment System

Loyal Bank has developed a flexible international card program that allows distributing funds worldwide to any number of employees or agents in a time and cost effective way.

With the CPS a company can provide Loyal Bank debit cards in USD and EUR to members in order to transfer funds to them for commissions, salaries, dividends, travel expenses, etc.

Distribute funds to your members anywhere in the world onto their Loyal Bank debit cards.

Who can use the CPS?

• Logistic companies and cruise lines • Construction companies staff• Aviation and shipping crews and staff • Direct selling/multi-level marketing services• Affiliate and advertising networks • Film and entertainment staff• Clubs (business clubs, frequent traveler’s clubs, etc.) • Forex trading company investors

And other organizations that have members/employees abroad.

*Due diligence documentation for sub-account holders should be submitted within 30 days of account opening. Each sub-account holder is asked to provide us with the following documentation to enable us to open their account:

1. A notarized copy of a valid and current passport (US and Canadian citizens are also asked to provide a notarized copy of their driving license). 2. A notarized copy or original of the Utility Bill in the name of the sub-account holder (as a proof of physical address).

CORPORATE PAYMENT SYSTEM

What can it be used for?

For paying:

• Bonuses • Highly mobile contract staff or employees• Commissions • Project funds• Salaries and wages • Relocation allowances• Distribution or supply chain payments • Remittances• Incentives • Returns of investments, etc.• Freelancers in IT, Media, Journalism, etc.

Company`s benefits

• Company will minimize costs by reducing administration, paperwork• Lower fees than for international transfer• Transfers for subaccounts are executed real time• Transfers are securely handled via internet banking• Pay from anywhere, anytime through the internet• NetBank white label• Cobranded cards• Faster and less problematic than checks• Solution customized according to client`s needs• Key Account Managers assigned to assist company at all times

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

PRIVATE BANKING

TAILOR-MADE INVESTMENTS

Above a certain level of wealth our customers need special services to manage their financial situation – Private Banking.

A Private Banking customer will receive consistent, responsive care from a Loyal Bank Private Banker and dedicated support team. A Private Banker is also a financial planner who can work with a customer to develop an overall financial plan to achieve his own aims in the short or long term. Loyal Bank Private Banking is designed for individuals who want a highly personal and confidential private bank, delivered through a relationship with a financial advisor who will act as the point of contact within the Bank. By taking the time to fully understand customer`s individual situation, we will help to develop an integrated strategy designed to achieve his unique goals.

All our customers have unique needs, so before working with them we take the time to understand their particular circumstances so that we can build a package tailored to them.

BENEFIT FROM OUR ACCESS TO WORLD MARKETS

A Private Banking customer will be recommended low, medium and high risk investment opportunities depending on his risk / reward appetite and we carefully explain both the risks and the rewards of each investment and whether it should be held for a short, medium or long term. We select from a wide range of products and providers that we consider to be the best available in the market and we carry out our own due diligence on them..

GLOBAL REACH, PERSONAL TOUCH SAINT VINCENT & THE GRENADINES

LOYAL GOLD

Many investors are becoming increasingly concerned about the stability of paper currencies. Recently we have seen the Euro come under pressure, whilst other professionals see only a long term decline for the US Dollar due to the spiraling US Federal Budget deficit.

Are you concerned about the world’s economy? Would you prefer to own an asset that is fully insured against theft and natural disasters, fully accessible to you in the case of a financial crisis, is 100% liquid and which safely protects you against inflation? Loyal Gold is the solution for your concerns.

Through Loyal Gold, Loyal Bank’s physical precious metals investment service, investors can buy physical gold as well as other precious metals and have their investment securely

stored and protected in one of the world’s safest private sector vaults, in Zurich, Switzerland.

The minimum investment in physical gold is only US$ 5,000.00 to have your gold stored for you in Zurich and accessible to you whenever you need it. If you invest in physical gold in

amount exceeding US$ 25,000 then we also offer you the option of having your gold delivered according to your wishes anywhere in the world by insured secure courier (delivery costs will apply as well as possible customs duties or taxes in the country of delivery).

To learn more please contact us at myloyalgold@loyalbank.com or visit our website at www.myloyalgold.com

GLOBAL REACH, PERSONAL TOUCH

CONTACT US

LOYAL BANK HEAD OFFICECedar Hill Crest

VillaKingstown

St. Vincent and the GrenadinesWest Indies

Tel.: +(1 784) 485 6705Fax: +(1 784) 451 2757

LOYAL BANK EUROPEAN REPRESENTATIVE OFFICEBácskai u. 1-2. fszt. 2.

H-1145 BudapestHungary

Tel.: +(361) 273 3700, +(361) 273 3702Fax: +(361) 221 5745

CUSTOMER SERVICETel: +(361) 383 0853Fax: +(361) 469 4066

customerservice@loyalbank.com

www.loyalbank.com