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GIVE THE PLANET SOME CREDIT

How we can make a positive impact

HOW DO WE WANT TO LIVE TOMORROW?

The future of our planet depends entirely on how we manage it in the future: How will we produce food tomorrow, how will we design mobility, how will we generate energy - and for what purposes? For all of these areas there are countless examples: There is organic farming and factory farming, there are eBikes and gas guzzlers, there are solar panels and brown coal, ... Sure- the world cannot be divided into good and evil, it is not black and white. But we can see clearly where a positive footprint will be left - and where there'll just be scorched earth.


Von Kohlekraft zu
erneuerbarer Energie


Von Massentierhaltung
zu Ökolandwirtschaft


Von Verkehrsmoloch zu
moderner Fortbewegung




BANKING SHOULDN'T COST THE EARTH..

Money plays a decisive role in the question of what kind of economy we'll end up with. Money works - but what does it actually do? Whether the funds are sitting in a current account, a savings account or in an equity fund: banks use their customers' money to grant loans or make investments. Today, money in this way often, far too often, becomes part of the problem: it finances industries that operate at the expense of future generations. That could be the arms industry or fossil fuels - the list is long. We'd like to change that: We have created a strict list of criteria that specifies where your money will end up and where you can be absolutely sure it won't. You can find it here.

Kriterienkatalog

But money can also become part of the solution: A forward-looking economy needs capital. This applies to the microcredit for the small farmer who needs new seeds; to the start-up that wants to launch a social business idea; and to the wind farm that wants to create additional capacities. This is where we come into play. It's by no means just us: At the beginning of 2018, the EU Commission decided on a comprehensive overhaul of the financial sector in order to achieve global climate protection goals. For this alone, around 170 billion euros have to be invested annually or directed into sustainable industries. Much more is needed to achieve the United Nations' Sustainable Development Goals. Those are huge numbers. But you have to start somewhere. Our money will be part of it.

1

SUSTAINABLE ACCOUNTS - WHERE YOUR DEPOSITS WILL BE DOING THEIR WORK

Funds held in current accounts are referred to as "customer deposits". Banks can use these funds as they like (taking into account certain equity ratios). We will use these funds exclusively for a positive purpose, that is, to finance sustainable industries and projects. We are currently in advanced discussions with microcredit organizations and solar energy platforms. We're planning to work with them on our first joint projects.

2

SUSTAINABLE CARD - THE MASTERCARD THAT PROTECTS THE CLIMATE

For every credit card transaction, the merchant (the baker or petrol station or an online shop) pays an interchange fee to the bank that issued the card. This is a globally established system - and an important source of income for all banks. We would like to make a difference here: we call it our interchange the world-fee. We use the fees and feed them into global climate protection projects. So every time you withdraw your Tomorrow card, you make a small contribution to a better tomorrow. You can find more about this here.

3

SUSTAINABLE MONEY INVESTMENT - CASH COWS THAT ONLY EAT ORGANIC GRASS

In the future we will offer you smart investment and savings opportunities with which you can invest your money twice as sensibly: Return on the one hands, being an engine for positive change on the other. Sustainable equity funds, or so-called alternative investments, flow exclusively into sustainable, ecologically and socially responsible companies and thus support a better tomorrow. We are currently working on particular financial products that meet this requirement. At the beginning of 2019, we will probably be ready to offer you savings and investment opportunities directly from the Tomorrow app.

4

SUSTAINABLE CONSUMPTION - THE TOMORROW ECOSYSTEM

With the Tomorrow ecosystem, we will support the idea of a sustainable lifestyle. In many areas of life, you can make a difference through conscious consumer choices. With a partner program that brings together the leading green brands, we want to make this decision a little easier for you. All our partners offer Tomorrow customers special offers and benefits. We are currently compiling the final details - from emission-free mobility to eco trainers, there will be a lot of exciting things to see. Stay tuned for more news soon.

› In our forest protection project in the Amazon, 178,000 hectares have already been saved from illegal deforestation.

HOW DO YOU DETERMINE WHAT IS SUSTAINABLE?

The definition of where we will direct money in the future is not a question of gut feeling, but a clear process. We have distilled the 17 United Nations Sustainable Development Goals into four core areas. Here are he challenges to which we would like to tackle with Tomorrow in the future. We want to finance companies and projects whose business models actively contribute to the protection of natural resources, the provision of basic needs for all people, the protection of the climate or the empowerment

of disadvantaged groups. Only if this condition is fulfilled, do we consider financing a project or organisation with Tomorrow. Further evaluations will follow, which will focus on ecological, social and economic ethical aspects. Only if a sufficiently positive balance is guaranteed here - and the company/project doesn't fall into a heading on our negative list - will a further step follow in the future: an evaluation by our external advisory board. We are currently putting this body together successively.

The definition of where we will direct money in the future is not a question of gut feeling, but a clear process. We have distilled the 17 United Nations Sustainable Development Goals into four core areas. Here are he challenges to which we would like to tackle with Tomorrow in the future. We want to finance companies and projects whose business models actively contribute to the protection of natural resources, the provision of basic needs for all people, the protection of the climate or the empowerment of disadvantaged groups. Only if this condition is fulfilled, do we consider financing a project or organisation with Tomorrow. Further evaluations will follow, which will focus on ecological, social and economic ethical aspects. Only if a sufficiently positive balance is guaranteed here - and the company/project doesn't fall into a heading on our negative list - will a further step follow in the future: an evaluation by our external advisory board. We are currently putting this body together successively.

How do we want to live tomorrow?

Natural
Resources

Climate-
Change

Basic-
needs

Empower-
ment

IMPACT ASSESSMENT

Which industries and projects do we finance?

Impact comparison

Which Sustainable Development Goals does the project address?

ESG examination

How does the project act in terms of ecology, social issues and governance?

Negative Screening

Is the project involved in armament, factory farming, etc?

EXTERNAL EVALUATION

ECONOMIC SUSTAINABILITY

Where and how is money invested?

Micro finance

Securities/bonds

Real assets

Sustainable SMEs

On this basis, concrete financial products and services will be developed in the future: These can be securities/bonds or funds, investments in real goods such as wind farms, microfinance or start-up financing for small and medium-sized companies via crowdfunding. Admittedly, there is still a lot of work waiting for us here, and we're just getting started. Come on, let's make money part of the solution.