Capital G Bank Limited

CAPITAL G Bank Limited CAPITAL G Bank Limited is Bermuda's newest bank - one of only four licensed banks - and in 2001 was the first company to be licensed under the 1999 Bank and Deposit Taking Act. Although newly licenced, CAPITAL G Bank Limited has more than 60 years of banking and lending experience in Bermuda. CAPITAL G Bank Limited provides a wide range of financial services and has built its reputation by providing superior rates and service of the highest quality. Since 1974, with the passage of the Deposit Companies Act, the company had been formally licensed as a deposit-taker, a role akin to that of a savings & loan in the United States, or a U.K. Building Society. Bermuda's banking community is closely regulated and must adhere to strict legislation covering such matters as proceeds of crime and money laundering. Bermuda banks and financial institutions have stringent due diligence requirements for each of their clients and an internationally-accepted policy of "know your client" is the norm. CAPITAL G Bank Limited is conservatively managed, in line with the Gibbons family tradition. The asset side of the balance sheet is committed to first mortgage financing in Bermuda and U.S. Government and investment grade, highly liquid corporate bonds. The risk weighted capital ratio is above 10%, significantly in excess of the internationally accepted 8% requirement of the Basle Accord. Products and services are tailored to clients' specific savings and borrowing needs. A specialist in deposit and loan products, CAPITAL G Bank Limited offers savings and deposit products in both Bermuda and U.S. currencies. Interest rates are flexible and competitive. Credit and debit card services are also available. CAPITAL G Investments Limited CAPITAL G Investments Limited was established in the mid-1990s to provide discretionary investment management services for the assets for the Gibbons family and to provide retail investment services to clients of the deposit company. CAPITAL G Investments is licensed to conduct investment business by the Bermuda Monetary Authority. The investment aspect of the business has grown substantially in the last five years. Today, CAPITAL G Investments Limited provides discretionary investment management, mutual funds and financial planning services for individuals, families, corporations and government agencies. Clients are provided with a customised Investment Policy Statement based on their personal investment needs and goals. The Investment Policy Statement takes into consideration clients' income and liquidity requirements, capital preservation needs, investment time horizon, and return requirements. A state-of-the-art investment process is used, based on a downside risk model. The Investment Policy Statement becomes the financial road map for clients and guides them in the achievement of their long-term goals. To ensure that client portfolios achieve their target returns without assuming excess risk, all portfolios are automatically re-balanced to ensure that the asset mix stays on target. Client reporting is simple to read and contains useful information that includes capital invested, market value, account activity, fees paid and rate of return. CAPITAL G clients enjoy personalised service, quarterly reviews with a private client manager and informative newsletters. CAPITAL G Trust Limited CAPITAL G Trust Limited is a Bermuda-licensed trust company regulated by the Bermuda Monetary Authority, the island's financial regulatory body. CAPITAL G Trust Limited has a well-established track record of providing comprehensive trust administration services to individuals and families, as well as charitable organisations. In its role as trustee, CAPITAL G Trust Limited's qualified trust officers work closely with a network of third party specialists (lawyers, investment managers and accountants) to ensure that client affairs are handled in an effective and efficient manner. Bermuda-based trusts are highly flexible structures that enable residents and offshore clients to implement personal financial planning strategies that can help protect and grow their wealth. As the world's premier offshore jurisdiction and an innovator in trust administration, Bermuda features a supportive regulatory environment and a sophisticated financial infrastructure, with standards comparable to those of the United States and the United Kingdom.

Address: 19 Reid Street, Hamilton HM 11, Bermuda

Phone: +1 441 296 6969
FAX: +1 441 296 4816