A short overview regarding our services within the Private Banking sector

1. PRIVATE BANKING
GREAT OVERVIEW - SOLID ADVICE
“WE HAVE BEEN GIVEN A GREAT,
FLEXIBLE AND RELIABLE SYSTEM, WE CAN HELP TAKE YOUR
WHICH WE PRIMARILY USE FOR
PORTFOLIO MANAGEMENT
COMPETITIVE POSITION TO
AND REPORTING TO SOME OF
OUR LARGEST PRIVATE AND
A HIGHER LEVEL
CORPORATE CLIENTS.”
– Danske Bank A/S With our Private Banking solution you will be able to give solid
advice while keeping the price per client attractively low.
Read more at www.aloc.dk/www.aloc.com Without compromising the value experienced by your clients.
about what we have to offer our Private Banking
clients.

2. PRIVATE BANKING GREAT OVERVIEW - SOLID ADVICE
FROM INCREASED OVERVIEW
TO IMPROVED PROFIT
The Private Banking market is one of the fastest growing business areas in the world
of banking. The growth in private fortunes has been dramatic and international
studies show that the market will continue to grow in the years to come.
At the same time, the competition has increased considerably. With good reason.
The increasing number of wealthy clients represents a great earnings potential.
The area is also an opportunity to establish good and stable client relations. In other
words, Private Banking can be the key to meeting your turnover and earnings goals
– both today and in the future.
The battle for clients is not likely to taper off in the near future. You must win
and maintain clients who demand proactive advice, based on their total financial
situation. Clients who demand innovative solutions, straight talk, short reaction
time, overview, reliable risk management and customized reports.
More opportunities with low cost per unit
Therefore, you need systems that can help you meet these demands in a
cost-efficient way. Once you have that, you can lower your requirements to the
minimum fortunes held by your Private Banking clients. In that way you can establish
relationships beyond the realm of purely traditional bank products.

3. WITH ALOC’S SYSTEM
FOR PRIVATE BANKING
YOU GET:
■ Total overview with the option
of professional advisor portal
■ Solid tool for yield/risk
management
■ Efficient reporting options
■ Low cost per unit via STP
Well-documented and
efficient solution
ALOC gives you a system solution
We offer a modern and advanced software solution for Private Banking processes, which
which gives you obvious competitive advantages. has proven its worth. We have
implemented solutions that handle
■ A powerful tool which supports your client relations automated generation, output and
- through holistic advice and a high service level distribution of individual client
reports for a portfolio of more than
■ An advisor portal with great overview for the advisor and 30,000 clients. All of our solutions
the option of offering your clients Private Banking, on-line are in step with our vision, which
is to provide world class financial
■ You get a total overview of all your client’s assets and overview. We ensure overview by
liabilities in one overview window simplifying complicated processes
and concepts.
■ The overview of the client’s investments and yield provides Simplicity is the key:
you with the perfect take-off for ensuring the client’s yield
through professional risk management ■ Simplicity generates overview
■ Overview generates decision
■ Dynamic report creation making power
■ Decision making power generates
■ Professional graphical client reports – cost efficiently competitive advantages
■ Unique ability to service a large number of clients at a low This is what we offer you with
cost per unit – via Straight-Through-Processing (STP) and our systems solution for Private
other flexible business processes Banking: Increased competitiveness.

4. PRIVATE BANKING GREAT OVERVIEW - SOLID ADVICE
GOOD ADVICE REQUIRES OVERVIEW
As advisor you know that your advice and the client’s solution will never be
better than your knowledge and your starting point. You must know the whole
story to help your client find the best way forward. This applies to the client’s
financial situation – with regards to both assets and liabilities. But it also applies
to all the new and exciting products being brought on by the highly inventive
world of investment. With our solution you get the whole story in one display.
Shares, bonds, derivatives ... all instruments in just one window
ALOC’s Private Banking solution is a state of the art system for investment advice
plus portfolio and risk management - currently used by a large number of trend
setting players in the Private Banking field. It is created for handling a broad array
of financial instruments – both assets and liabilities, including:
■ All types of bonds and shares
■ Derivatives, such as forwards, futures, options, repo/reverse, FRAs and swaps
■ Currency instruments – forwards, options and swaps
■ Loans
■ Structured products – including a number of credit derivatives
■ Commodities and other asset classes
We are the first to react when new instruments gain acceptance in the market.
The extensive penetration of our system and our financial competence is your
guarantee that our solution is always up to speed with market developments.
Our solution for Private Banking contains an advisor portal which can be integrated
into the system platform of your business. This gives the advisor an intuitive web
based user interface and the ability to offer clients Private Banking, on-line.
Here, the clients gain controlled access to information about their portfolios.
And they can keep an eye on the development of their positions.

5. Our solution for Private Banking
contains an advisor portal which can be
integrated into the system platform of
your business. This gives the advisor an
intuitive web based user interface and
the ability to offer your clients Private
Banking, on-line. Here, the clients gain
controlled access to information about
their portfolios. And they can keep
an eye on the development of
their positions.
Management of risk and return is a crucial factor We are built on knowledge
Often, a client has many issues to take into consideration when - you continue building
choosing a Private Banking advisor. Investment yield is a major
factor. If you can deliver the yield that the client expects Knowledge of the financial markets
compared to the risk profile of the investment, you will be is part of our core competence.
able to hold on to the client. This is why we give you: This knowledge is constantly used
for developing our system so that
■ Tools with a continually updated picture of the client’s it can continue to cover new
investments and yield development value-adding instruments and
asset classes.
■ Analysis facilities for valuation of performance, exposure,
risk and return – with the option of deeper insight into the
performance contribution, using Performance Attribution
■ Advanced limits and benchmark comparison
■ Professional graphical client reports
■ Tax reporting

6. PRIVATE BANKING GREAT OVERVIEW - SOLID ADVICE
IT JUST WON’T WORK WITHOUT EFFICIENT
BUSINESS PROCESSES
If you had all the time in the world, giving the world’s best Private Banking
advice would be no problem what so ever. You don’t. You probably couldn’t
find anyone who would be willing to pay the price. To make Private Banking
profitable, you must build on efficient processes and low cost per unit. This
is also the case if you want to offer products to clients with relatively small
fortunes – in order to build solid relations, which produce results for the future.
Not just any system can create low cost per unit and high experienced value for
your client. Our system can.
Individual reports must be mass produced
You have a number of important points of contact with your clients. Personal
meetings, phone conversations – efficient, but expensive.
The solution is mass-produced individual client communication with customized
reports. This gives the client overview of their own positions, return, exposure
and risk - in a precise and comprehensive manner. Your reports are your face to
the outside world.

7. EFFICIENT OPERATIONS
PAY OFF
Development has high status, while
daily operation is the poor relative.
In reality it is like yin and yang.
The one is the other’s prerequisite.
When you use our Private Banking
solution you will see that we have
simplified implementation and
operations completely. This gives
you a number of advantages:
■ True Straight-Through-Processing
(STP) ensuring that data only
needs to be entered once and
that your business procedures
are complied with
■ Efficient and simple processes,
easing administrative proce-
dures such as daily reconciliation
of depositories, accounts etc.
Import/export modules making it
easy and simple to connect our
solution to other systems
■ Scalability. You can handle a very
large trade volume and manage
the distribution of a great
number of client reports by
To achieve low cost per unit you must make your Private means of a very simple and
Banking solution do the hard work for you. Our advanced well-established tool
reporting generator gives you the following – in addition ■ Immediate option of giving your
to the value experience by your clients: clients on-line access to their
own data via an advisor portal
■ Great looking reports supported by professional graphics
in a design adjusted to your company’s design line In real-life this means that our
solution will be running on your
■ Break-down into client groups with targeted reporting data structure and the financial
instruments you use. This supports
■ Management of the reporting process so that the client your advisors in their client work.
groups and interested parties receive individualized
reports at the right time
■ Efficient work-flow where you use the fewest possible
resources and reduce the risk of errors

8. ALOC A/S ALOC AS
Edisonsvej 1 Øvre Slottsgate 7
DK-5000 Odense C NO-0157 Oslo
+45 6313 6100 / tel. +47 2333 5100 / tel.
aloc@aloc.dk / mail aloc@aloc.no / mail
www.aloc.dk / website www.aloc.com / website
ALOC IS A SOLID PARTNER WITH MANY YEARS
EXPERIENCE, PROFESSIONAL SOLUTIONS AND
MORE THAN 100 EMPLOYEES
When you choose ALOC as your software partner in the area of Private
Banking you are not only making a safe choice. You are. This is supported
by our many references. But in addition, you get the knowledge of
the financial market of more than 100 enthusiasts. We are specialists.
We work with software solutions for the financial market. We turn
complicated into simple. We live, think and dream our solutions. And
financial instruments and technological solutions. We have done this
since 1985. Today, we are market leaders in Private Banking and Asset
Management. Our history and efforts have given us a cultural ballast and
extensive knowledge of the financial markets.
WORLD CLASS FINANCIAL OVERVIEW:
Our goal is just as clear, as it is ambitious. We want to give you world class
financial overview. We have the competences. We have the desire to reach
our goal. This is the attitude you get when you choose ALOC. That’s why ALOC
is a safe choice. And therefore there is action behind our promises.
■ Targeted product development which creates or
follows the development in the financial market
■ Quick and safe implementation
■ Solutions which are reliable and efficient to operate
■ High service level through competent, fast and
uncomplicated client contact and support
■ Development and sale of flexible products,
providing overview and profit
■ Extensive knowledge of the financial markets
System for Portfolio System for Portfolio & Advisory Solution
& Risk Management Treasury Management