HERITAGE UNION BANK l Board

Welcome to HERITAGE UNION BANK. Elite Banking for Premium Personnel,Top Security , Private Trust Account

“We emphasize the importance of continued accessibility of our advisors in guiding our clients to make the best investment decisions in these turbulent times.”

“In 2020, we at Heritage Union Private Bank worked hard to continuously bring value to our stakeholders: our clients, our shareholders, and our associates.”

With its culture of managing risk prudently within its capacity and capabilities, HERITAGE UNION Private Bank will pursue its strategy and business plans to provide consistent quality service to its customers, to achieve its desired long-term target returns to its shareholders, and satisfy or abide by the needs of its other stakeholders, including its depositors and regulators.

Overall Risk Management Culture and Philosophy

The Bank believes that, as there are opportunities, there are associated risks. The objective is not to avoid risks totally, but to adequately and consistently evaluate, manage, control and monitor the risks, and ensure that the Bank is duly compensated for all risks taken. Good risk management involves making informed and rational decisions about the level of risks the institution wants to take in the pursuit of its objectives, but with consideration to return commensurate with the risk-taking activity

Personal Banking Legal Privacy Security www.heritageunionelite.com Rates & fees

Registered Office: The Mound, Edinburgh TH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 036828.