Business terms

1. Generall terms and conditions

This document regulates the business relationships between Reichmuth & Co and natural as well as legal persons.

Generall terms and conditions

2. Custody account regulations

This regulation governs the safekeeping and management of securities held with Reichmuth & Co, as well as the processing of stock exchange orders and over-the-counter transactions.

Custody regulations

3. Portfolio management guidelines

The guidelines were issued by the Board of Directors of the Swiss Bankers Association to promote the reputation and high quality of Swiss asset management both domestically and internationally. It is of paramount importance that the assets managed by banks are professionally and in the best interests of clients, even when clients only provide general investment objectives.

Portfolio management guidelines

4. Risks involved in trading financial instruments

This brochure by the Swiss Bankers Association explains the specific risks in securities trading as well as the types of transactions associated with these risks.

Risks involved in trading financial instruments

5. Guidelines of the Swiss Bankers Association on the treatment of dormant and unclaimed assets at Swiss banks

These guidelines of the Swiss Bankers Association serve two purposes. Firstly, they aim to ensure that the contact between customers and banks can be maintained or restored. Secondly, they aim to specify the legally prescribed liquidation of unclaimed assets in the interest of the affected individuals.

Guidelines on the treatment of dormant and unclaimed assets at Swiss banks

6. Disclosure of client data

In this document of the Swiss Bankers Association (SBVg), information is provided that is helpful for international payment transactions, payments in foreign currency, or investments in foreign securities. It explains the specific requirements and information to consider in these transactions.

Disclosure of client data

7. Information about the EU Shareholders’ Rights Directive II (“ARRL”).

The Shareholders’ Rights Directive II (SRD II or Directive), enacted by the European Union (EU), aims to promote long-term engagement between shareholders and the companies they invest in, increase transparency, and reduce the risks associated with the securities market.

Information about the EU Shareholder’s Rights Directive II

8. FATCA

In 2014, the US tax law called the Foreign Account Tax Compliance Act (FATCA) came into effect, targeting financial institutions worldwide. The goal of FATCA is to prevent potential tax evasion at the expense of the United States.

Foreign Account Tax Compliance Act

9. International automatic exchange of information (AEoI)

The Automatic Exchange of Information (AEOI) obliges Swiss financial institutions to identify reportable accounts and report the information about them to the Swiss Federal Tax Administration (SFTA). In this process, there is a list of partner states with which automatic exchange of information takes place.

International automatic exchange of information

10. Deposit protection

Deposit insurance serves to protect funds in the accounts of private and corporate customers in the event of a bank or securities firm’s insolvency and is legally regulated. On the Esisuisse website, you will find further information on deposit insurance in Switzerland. As of January 1, 2023, there will be changes in the protection of funds in bank accounts. Changes from 2023 (367 KB).

Deposit protection in switzerland

11. Security and Terms of Use for e-Connect

These security and usage provisions govern the terms of access to e-Connect between customers or authorized representatives of a customer’s banking relationships and Reichmuth & Co.

Security and Terms of Use for e-Connect

12. Agreement on comprehensive data exchange via electronic media

The customer wishes to exchange information/data with the bank, as well as all involved banks, other creditors, offices, authorities, lawyers, trustees, advisors, and auditors (“parties”), including through unsecured electronic media.

Agreement on comprehensive data exchange via electronic media

13. Reichmuth & Co as counterparty trustee investment

The customer may authorize Reichmuth & Co to make trustee investments with foreign banks, provided that a separate agreement is reached.

Reichmuth & Co as counterparty trustee investment