Our clients come first: Our focus allows us to anticipate the needs and desires of our clients, and understand them. We maintain excellence relationships by combining integrity and adaptive capacity through a professional, independent and objective advice.

Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.

Access to global offer of investment products: This enables us to grant you access to a vast array of products of the domestic and international market, and provides different investment alternatives aimed at adequately diversified portfolios, ideal for each client.

We have the know how and expertisse of Banque Heritage Switzerland. www.heritage.ch

Banque Heritage Uruguay has defined certain risk profiles for its clients and, on this basis, the asset management team prepares model portfolios that take into account such profiles and the general conditions of the financial market.

Models serve as a general guideline to determine which portfolio is suitable for each client:

CONSERVATIVE PROFILE: This type of clients prioritizes capital maintenance, but may be willing to accept a minimum risk to obtain a certain amount of return.

MODERATE PROFILE: Investors in this category accept the possibility of losing capital as a natural consequence of the investment risk incurred to obtain higher annual returns. The degree of risk is usually reduced by means of asset allocation and diversification.

AGGRESSIVE PROFILE: These investors are ready to accept risks, both in the type of assets they choose and in the concentration of investments in the preferred market segments, and accept a potential loss of capital. A distinguishing feature of these investors is a more active adjustment of the investment portfolio.

Trading Desk Division exclusively dedicated to operate with professionals that provide investment management services. In this way, the service and the instructions may be executed with the efficiency and speed required.

Our clients come first: Our focus allows us to anticipate the needs and desires of our clients, and understand them. We maintain excellence relationships by combining integrity and adaptive capacity through a professional, independent and objective advice.

Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.

Access to global offer of products: We have a global array of highly competitive products.

Accounts:

• Current accounts, Savings accounts.

• Multicurrency accounts: UYU, USD, EUR, CHF, GBP, YEN.

• Wages accounts with e-banking for remote operation.

All benefits from the Financial Inclusion Law with an Executive at your disposal. • Benchmarking services to other financial entities in Switzerland and USA.

• Debit card usable anywhere around the world through Maestro Network. Additional HHome debit cards with limit predetermined by the owner.

• Mastercard Credit Card usable worldwide through Maestro Network.

• Corner Card issued by the Swiss Corner Bank: prepaid card rechargeable with Client’s fund held in the account with Banque Heritage Uruguay.

• State of the art E-Banking Platform to operate and check all products.

• Wire transfers.

• On-line payment of private and public services.

• Safe Deposit Boxes

• Personal loans.

• Life and savings insurances.

• Custody and management of checks for collection and post-dated checks.

• Payment of Wages and payment to Suppliers.

Tailored solutions: Solutions are adapted and tailored to each client, with relationships based on trust and reciprocal knowledge.

Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.

Access to full range of products: Our comprehensive array of highly competitive products is designed for each industry and sector.

Tailored solutions: Solutions are adapted and tailored to each client, with relationships based on trust and reciprocal knowledge.

Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.

Access to full range of products:: We have a comprehensive array of highly competitive products, both domestic and regional.

A prestigious tool within your reach.
We are a Swiss bank, synonym of trust, soundness and prestige.

We have the know how and expertisse of Banque Heritage Switzerland. www.heritage.ch

Our focus, your needs.

We provide a personalized service, with a state of the art technological platform and a vast array of local and regional products designed for each sector and industry.

The strength of being sensitive.

We are a Boutique Bank. We provide:

• customization and prompt assistance;

• flexibility to structure tailor-made solutions;

• quick decision-making.

Banque Heritage is a Swiss private bank with headquarters in Geneva, regulated by the Swiss Financial Market Supervisory Authority (FINMA). In Uruguay, we are an institution with more than 30 years of existence and a solid track record.

Banque Heritage Uruguay was founded in 1981 as "Surinvest Casa Bancaria" and in 1991 it was licensed to act as a Bank. At that date, the block of shares was composed of 6 major financial institutions (IFC, Rabobank, HSBC, Wachovia, BICE and Unibanco). In 2007, Banque Heritage Switzerland acquires part of the Bank, an acquisition that was finalized in June 2010 when it acquired the whole block of shares and became the Bank`s only shareholder.

In 2011 Banco Surinvest S.A. went through a significant change of name process and was renamed Banque Heritage (Uruguay) S.A. In December, 2013, Banque Heritage Uruguay acquires the consumer and corporate banking businesses of Lloyds TSB Uruguay.

Banque Heritage Switzerland has diversified its activities by creating Banque Heritage Uruguay as a “Swiss” Private Banking transaction, capitalizing on the extensive Wealth Management experience of Banque Heritage Switzerland.

Banque Heritage Uruguay has consolidated in the region as an independent financial institution, combining an in-depth knowledge of the local financial markets with the support of a global stockholder.

The Bank specializes in Corporate and Private Banking, and offers its services to natural and legal persons that seek to develop a long-term business relationship while they benefit from world-class financial products and services.

The activities of the Bank are carried out in its headquarters and in two branches located in the city of Montevideo, under the supervision of the Central Bank of Uruguay. (www.bcu.gub.uy) The integrated control system adopted by the Bank guarantees that all transactions are executed within the highest degree of security and trust.

In our institution, the motivation and development of our professionals is one of the key element of our Human Resources policies.

The annual performance assessment is an open and transparent process.

Our staff’s climate of opinion is systematically checked. Continuous training is one of the Bank’s strategic targets, facilitating the development of the skills, proficiencies and interests of our co-workers.

Team-work, client focus and our ethical mandates are some of the guiding principles for our Human Resources management.

We promote the values of equality of opportunities, non-discrimination of persons and respect of the fundamental rights of employees.

Send your CV to our Human Resources department: rrhh@heritage.com.uy

Credit cards:

In Uruguay: call 29026800
From abroad : call 005411 4330 5656, 24 hours a day, 7 days a week

Debit cards:

Contact (+598) 29161234, 24 hours a day, 7 days a week

Lost Checks:

File a police report. Make sure it contains as much details as possible (account number, series, check number, amount, order or bearer check). The original report must be submitted to the bank.

Complaint Procedure

If your complaint may not be solved immediately, please proceed as indicated below. Be aware that you may file a written complaint and submit it to any of the Bank’s offices with customer service. There, you will find complaint forms and brochures that describe the procedure described in this document.

1. You may fill in an electronic form through E-Banking (option Menu/Complaint Department); a PDF file will automatically be generated, which will be sent to the Bank.

Fill in the field "complaint description" and the system will insert your "Complaint number" in the form.

2. Upon filing the complaint you will get a receipt confirmation with the date and time of the complaint, including the identifying number and the time of response.

3. The time of response must not exceed fifteen calendar days from the date the complaint was presented. If the nature of the complaint so warrants, the said term may be extended only once for another fifteen calendar days, with written notice indicating the reasons for the extensions. If the examination of the problem requires the intervention of foreign institutions, then the Bank may extend the second term of response beyond fifteen calendar days, giving notice of the estimated time of response and using its best efforts in this regard.

4. You will be informed in writing, whether by letter or e-mail, of the result of your complaint. The answer will be based on the actions taken by the Bank on each claimed issue. If the Bank finds that the complaint is unjustified, you will be given the reasons why your request will not be accepted, and the possibility to bring the matter to the Superintendency of Financial Services if you disagree with the decision adopted.

5. The written response may be replaced by a telephone response, provided that the Bank has the communication recording systems that meet the requirements of availability, integrity, confidentiality, authenticity and reliability, in accordance with the definition under art. 496 of the Compilation of Norms for the Control of the Financial System. Upon request of the Client, a written response shall be issued.

If an answer by Banque Heritage (Uruguay) S.A. is not received by you in due time and form, or if you disagree with the decision adopted, you may file a claim with the Superintendency of Financial Services of the Central Bank of Uruguay through the web pagewww.bcu.gub.uy.

Banque Heritage (Uruguay) S.A. is supervised by the Central Bank of Uruguay. For additional information visit www.bcu.gub.uy. The current Credit Rating of our Institution is published in www.heritage.com.uy.