The document describes the Descartes Finance Platform as an "iTunes for Wealth Management" that provides a first multi-model platform for sophisticated investors. The platform offers: - Sophisticated portfolio allocation and management models from leading asset managers and economists through a multi-strategy and multi-instrument approach. - Individualized investor services through self-directed or delegated models across multiple custodians. - Trading and management of over 1,000 instruments including stocks, funds, bonds and ETFs.

1. iTunes for Wealth Management
Sophisticated Digital Private Banking
additiv Inc.
8006 Zurich

3. Open Architecture
Multi Strategies

4. Open Architecture
Multi Custodies

5. 1.000+ Instruments
Single Stocks, Fonds,
Bonds, ETFs

6. Individualized
Investment-Style

7. First Multi-Model
Platform

8. Like iTunes for
Wealth Management

9. 9
The Descartes Finance Platform: the iTunes for Wealth Management
Descartes Open Architecture PlatformClient
Self-Directed or Delegated
Mulit-Strategies, Multi-Portfolios, Multi-Instruments
Real-time Trading starting with >1’000 Securities
Strategy Owners
Service
Advice
Content
WM
Services
Signal &
Algos
Multi
Strategy
Shelf
Multi-Strategies
Sophisticated Allocation & Optimization Models
Providers: Leading Asset Managers & Economists
Automated
Support
on demand
Asset Managers
Economists
Scientists
Multi Booking Platform
Several Custodians

10. Client
First Multi-Model Wealth Management Platform for
sophisticated investors
10
Selected key features:
• Digital supported onboarding
• Sophisticated portfolio allocation &
management models provided by leading
asset managers & economists (multi-
algos & multi-strategies)
• Individualized investor services
• Clients can choose from various service
models and implementation methods
• ETFs, single stocks (1’000+), other
instruments
• Open architecture platform
• Real-time trading
• Full front- and middle office for e2e
management of PB offerings & services –
high degree of automation of all relevant
processes
• Fully integrated with products and
services partners / multi-booking
Scope covered (additiv DFS):
• Full front & mid-office (CRM, PMS, BPM,
CMS, BI, DMS, PIM)
• MPT- & quant-module
• Strategy management
Partners Launch-Version

11. 11
additiv DFS is the strategic platform and digital core for all
variations of Digital Wealth Management
Customer Office (Banks, EAM and other)
Workbench
(traditional workplace)
Digital Core
Customer Interface
Mobile Advisory
(mobile workplace)
Core Banking Platforms | Legacy Systems | 3rd Party Systems
System
(automated collaboration)
Advisor, EAM, PM,
Expert, other
Advisor, Expert
„Digital
Customer Officer“

Customer
Individualized
Robo Advisor
Digital
Private Banking
Mass Standardised
Robo Advisor
Mass Affluent,
Affluent, HNWI,
Family Office,
UHNWI
HNWI,
UHNWI
Retail, Mass
Affluent
Customer-Bank-
Interaction Models

Human - System
Human - Human
Hybrid


12. 12
additiv DFS is a holistic digital banking platform
Clients Bank
User
Groups
Digital and traditional touch points:
• Public web pages
• Secure online cockpits
• Secure messaging
• Email
• Forum
• Blog
• Chat
Any kind of document (e.g.):
• Letter
• Contracts
• Life cycle documents
Functional
Areas
Core Systems / Legacy Systems / External Service Provider
Existing
Systems
Data Warehouse
Platform
Customer
Relationship
Management
Content
Management
System
Business
Process
Management
Business
Intelligence
Document
Management
System
Product
Information
Management
Portfolio
Management
System
CRM BPM BI DMS PIM PMSCMS
Security
Integration Layer
Identity Management
Tenant Management
Cross-border & Compliance
User ManagementSystem Admin.
Business Process Management
Authentication (mTAN)
Channels & Media Management
Communication Hub
Desktop Tablet Mobile Desktop Tablet Mobile
New Digital Core: Release from legacy boundaries by applying a new IT-architecture that places customer-relevant
functions at the front & middle office – integrated, automated, real-time.