WTE Bank
WTE BANK / PRIVATE CLIENTS

Private Banking.

Put your wealth to work. Keep life open to possibility.

You have more to manage than an investment account. WTE Bank brings private banking, portfolio management, direct bank-funded credit, business-owner solutions and family wealth planning into one relationship. Enjoy access to money for life now, invest for what lies ahead and prepare the people you love for what comes next.

PRIVATE BANKING
Wealth Planning & StructuringSpecialized Asset ManagementFamily Enterprise Succession ServicesFiduciary and Trust ServicesTailored LendingPrivate Funds and Estate AdministrationWealth Planning & StructuringSpecialized Asset ManagementFamily Enterprise Succession ServicesFiduciary and Trust ServicesTailored LendingPrivate Funds and Estate Administration
Private Banking / WTE Bank

The life you lead. The wealth behind it.

Pay for today without losing sight of tomorrow. Keep an investment plan while holding cash for opportunity. Use eligible assets to access direct WTE Bank credit. Give family, business and international commitments a place in the same private banking relationship.

Private banker meeting clients about their financial priorities
BANK / INVEST / BORROW / PASS ON
PRIVATE BANKING / WTE BankEVERYDAY LIFE    INVESTMENTS    CREDIT    FAMILY
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Private accounts and dedicated banking

Exceptional wealth still needs excellent everyday banking.

Pay for life, property, travel and family commitments through private accounts designed to sit alongside your investments and credit. Your WTE Bank private banking relationship brings access to the money you need and people who understand the wider picture.

Private banker meeting a client in a quiet office
01 / DEDICATED RELATIONSHIP

Know who is responsible for your banking.

A private banking contact coordinates accounts, investments and eligible financing across your WTE Bank relationship.

02 / PRIVATE ACCOUNTS

Keep capital ready for life.

Hold transaction money and accessible reserves for spending, tax, property and new opportunities.

03 / CARDS AND PAYMENTS

Pay at home and abroad.

Use eligible cards, domestic and international transfers, and agreed family access.

Investment adviser and client reviewing asset allocation on a tablet
PORTFOLIO / INCOME & LIQUIDITY02 — 06
02 / Investments and portfolio management

Invest for tomorrow. Keep your options today.

01
Portfolio management

Invest across suitable holdings under an agreed mandate reflecting your objectives, risk and time horizon.

02
Investment advice and access

Consider listed securities, fixed income and eligible alternative investments for the roles they can play in your portfolio.

03
Custody and safekeeping

Keep eligible holdings in a private banking custody relationship with transaction and position information.

04
Concentrated wealth

Plan around a substantial business, property or security holding without treating it as your entire financial future.

05
Liquidity alongside investments

Keep money available for living costs, major opportunities and obligations without forcing every investment decision onto the same timetable.

01
Private credit / WTE Bank capital

Keep the asset.
Use the opportunity.

Eligible investments, property or business ownership can support approved credit funded entirely by WTE Bank.

STAY INVESTEDKeep assets aligned with long-term plans
ACT WHEN READYAccess approved capital for a major opportunity
ONE BANKWTE Bank itself provides the full approved facility
DIRECT WTE Bank CREDIT / NO OUTSIDE LENDERS
03 / Private credit funded by WTE Bank

Act on an opportunity without a forced sale.

01
Securities-backed liquidity

Borrow against eligible marketable holdings under an approved WTE Bank facility while keeping your longer-term portfolio invested.

02
Property finance

Finance an eligible residence, investment property or other approved property transaction with a WTE Bank loan.

03
Private Opportunity Facility

Use an approved WTE Bank commitment supported by eligible investment, property or business assets for a significant personal or investment need.

04
Business-owner liquidity

Access direct WTE Bank credit for an eligible ownership event or major need without automatically selling a core holding.

05
Direct funding from your bank

WTE Bank makes the credit decision and itself supplies 100% of every private credit facility it approves.

03
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Entrepreneurs and business owners

The business you built is part of your wealth.

A company can create extraordinary wealth while leaving much of it tied up in a single asset. WTE Bank connects personal liquidity, direct business financing, investment decisions and ownership planning so a turning point in the enterprise can strengthen the family as well.

Business owner discussing personal and commercial finances
01 / BEFORE A TRANSITION

Protect personal choice.

Keep funds available for family life and new investments while the business continues to grow.

02 / AT A MAJOR EVENT

Make more of a sale or succession.

Connect ownership decisions with personal investing, eligible direct WTE Bank credit and future cash needs.

03 / FOR THE NEXT VENTURE

Put new capital to work deliberately.

Bring business proceeds, investments and eligible financing into a private relationship aligned with your next ambition.

Private banker advising a family about its estate
FAMILY / SUCCESSION & GIVING05 — 06
05 / Family, succession and giving

Let your wealth carry the people and purpose you choose.

01
Succession planning

Prepare for changes in ownership and control across businesses, property and investments.

02
Trust and estate services

Use eligible fiduciary and administration arrangements to care for beneficiaries over time.

03
Family governance

Set clear roles for decisions, distributions and shared family assets.

04
Next-generation preparation

Help family members understand ownership, responsibilities and the choices ahead.

05
Philanthropy and giving

Connect charitable goals with the wider family wealth plan and appropriate giving structures.

02
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International private banking

Live in more than one market. Keep your wealth connected.

Family, property, education and investments do not always stay in one country. WTE Bank brings eligible international payments, currency management and cross-border asset considerations into your private banking relationship, with local legal and tax advice coordinated where needed.

Private banker supporting an international client
01 / CURRENCIES

Keep funds ready where life happens.

Hold eligible currency balances and exchange money for permitted payments and investments.

02 / INTERNATIONAL PAYMENTS

Support family and obligations abroad.

Move money for eligible property, education, family or investment needs across borders.

03 / FAMILY ASSETS

See beyond one jurisdiction.

Bring international ownership and beneficiaries into a coherent wealth and succession conversation.

Your private banking relationship starts here

Live well now. Build what lasts.

Bank for everyday life, invest with a long view, act on opportunities with WTE Bank-funded credit when approved, and prepare a stronger future for your family. Bring all of it into one private banking relationship.

The complete WTE Bank private relationship
LIFEPrivate accounts, cards and international payments
WEALTHInvestments and direct WTE Bank credit
FAMILYBusiness-owner and succession planning