We, at Hoerner Bank Aktiengesellschaft, are looking back at more than 150 years of tradition and experience. Focusing on our major business specialty of claiming decedents' estates in the beginning, we have since become one of Europe's major heir search companies in Germany and are playing a leading role in this field worldwide.

Since 1996 we have used our full banking status to successfully create and continuously expand our investment and property counseling departments as well as the real estate financing and mediation sections. Today, as an independent private banking business, we are well-established in our area.

Being first of all local banks to offer its own fund of funds, we issued the "Hoerner Bank Global Select OP" in 2001. Further, with an eye on contemporary developments, CREDO AG, our financing and property management service (www.credo-AG.de) was created in cooperation with several renowned business partners in the area. To cover the insurance field, our services have been completed by the formation of another enterprise known as HFS (Hoerner Financial Services) GmbH (Ltd).

Thus, Hoerner Bank can offer independent, neutral and objective solutions to all issues of private asset investment such as

Property management
Investments
Financial, property and inheritance planning
Insurance
Retirement plans

with our special concern focused on our customers' interest.