EUROPA PLATINUM The Ultimate Prestige

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1 PRACTICAL Guide EUROPA PLATINUM The Ultimate Prestige

2 I. CHARACTERISTICS 3 A. THE CARD 3 CARD VALIDITY 3 CARD LIMIT 3 CAPACITY OF PURCHASE AND WITHDRAWAL 3 EUROPA PLATINUM, A CHIP CARD 3 PIN CODE 4 FEES 4 B. PAYMENTS AND WITHDRAWALS 4 PAYMENTS 4 WITHDRAWALS 4 C. CARD MALFUNCTIONING 4 D. CARD LOSS OR THEFT 5 II. ADVANTAGES 5 A. LUXURIOUS SERVICES 5 OFFERS AND PRIVILEGES 5 VIP LOUNGE ACCESS 5 PRIORITY PASS 6 B. SECURITY PROGRAMS 6 PURCHASE PROTECTION 6 C. ASSISTANCE & LIFE INSURANCE SERVICES 6 ASSISTANCE 6 LIFE INSURANCE 8 D. EXPENSES CONTROL AND TRACKING 9 SMS SECUSPEND 9 MONTHLY CARD STATEMENT 9 esgbl 9

3 I. CHARACTERISTICS A. THE CARD Europa Platinum, the prestigious charge card in euro from MasterCard, offers its cardholder multiple advantages and privileges. It allows the cardholder to save on exchange fees for purchases and withdrawals made in euro currency. It is possible to make transactions in different currencies with Europa Platinum card; but in this case, exchange fees are at the cardholder s charge. Europa Platinum allows the cardholder to make the following operations, all around the world: Purchases at all merchants displaying MasterCard logo. Withdrawals from any MasterCard ATM network. Useful tip: Sign immediately the back of the card upon its reception and keep it safe. CARD VALIDITY The card is valid until the last day of the month indicated on its front side. It will be renewed before its expiration date, to allow its holder to benefit continuously from all services. The cardholder can get the renewed card 1 month prior to the expiration date of the currently held card. CARD LIMIT The limit of Europa Platinum card is renewed the 1st day of each month. Europa Platinum card allows the cardholder to make purchases and withdrawals according to the card s allocated ceiling and within the weekly and daily card limit. The minimum limit of Europa Platinum card is EUR 5,000. CAPACITY OF PURCHASE AND WITHDRAWAL The parameters of Europa Platinum card are the following: Frequency Purchases in EUR Withdrawals in EUR Daily 6,000 3,000 Weekly 30,000 5,000 Useful tips: The cardholder should verify with his personal banker, prior to every important purchase / withdrawal he intends to make, that his payment and withdrawal card limits are sufficient. Modification of weekly or daily parameters may be requested from the personal banker at any time (the modification takes effect in the 24 following hours). EUROPA PLATINUM, A CHIP CARD Europa Platinum belongs to the new generation of chip cards, designed to insure the best in terms of safety of use. The PIN code should be memorized; it is needed for all withdrawal transactions and for most purchase transactions. 3/9

4 PIN CODE The PIN code is a security guarantee: The PIN is personal. No one is entitled to ask for it: neither legal authorities, nor SGBL or MasterCard. It should be memorized and the document on which it was delivered should be destroyed. If a PIN code is forgotten, a new one may be requested at the branch. The card and its secret code should never be kept together. FEES DESCRIPTION FEES IN EUR Principal Card / Renewal 125 Additional card 90 Replacement card 50 The card price is deducted from the account upon subscription Every year, at the end of the anniversary month of the subscription, the renewal fee of Europa Platinum card will be debited from the account. B. PAYMENTS AND WITHDRAWALS PAYMENTS The cardholder can benefit from a grace period up to 30 days on all purchases made in euro by Europa Platinum card during the month. The amount of purchases made with Europa Platinum card is debited from the current account in euro at the end of each month. Steps to Follow: Europa Platinum cardholder shows the card to the merchant. If the POS accepts chip cards, the card is inserted into the chip card reader and the payment is validated by entering the PIN code and signing the payment receipt given by the merchant. If the POS doesn t accept chip cards, the card is swiped in the magnetic stripe reader and the payment is validated by signing the payment receipt given by the merchant. WITHDRAWALS The amounts withdrawn from ATMs as well as the commission on withdrawals are directly debited from the current account. Commissions on withdrawals: ATM Commission SGBL EUR 0 BLF EUR 1 Other (local and international) 1% with a minimum of EUR 5 C. CARD MALFUNCTIONING In the event of card malfunctioning, the Card Service will advise and assist the cardholder to put the problem in order in the shortest delays. 4/9

5 D. CARD LOSS OR THEFT In the event of theft or loss of Europa Platinum card, or if the card has been retained by the automated teller machine (ATM), it should be stopped immediately: The cardholder should immediately call SGBL card authorization center opened 24/24: - From Lebanon: 1274 or From abroad: / / The branch should be notified by phone, telegram or fax and a written confirmation should be immediately sent. A stolen card should be declared to the police. A copy of the theft declaration should be provided to the branch. Following the notification, the cardholder is immediately released from any liability towards all subsequent transactions, except the ones requiring the use of a PIN code. Replacement costs resulting from the opposition of the card will be at the cardholder s charge. The cardholder should not try to use his Europa Platinum card if found after loss/theft notification, because it would have been cancelled. It should be destroyed and returned to SGBL branch. II. ADVANTAGES A. LUXURIOUS SERVICES OFFERS AND PRIVILEGES Dream travels, exceptional shopping experiences, spectacular shows and numerous privileges and exclusive offers designed only for Europa Platinum cardholders. For a detailed review, visit the website VIP LOUNGE ACCESS Europa Platinum offers its cardholder a free access to VIP lounges at the following airports, regardless of the class booked or the number of trips made. The Europa Platinum cardholder can access the VIP lounges accompanied with two children less than 12 years of age (Rate applies on Kids access). Country City VIP Lounges Kids access rate United Arab Emirates Dubai Marhaba Lounge (Terminals 1,2,3,4) Discounted rate of AED 60 Abu Dhabi Al Reem Lounge (Terminals 1,2,3) 30% discount Kuwait Kuwait Pearl Lounge 50% discount Riyadh Premier Lounge (Terminal 1) No discount Saudi Arabia Jeddah First Class Lounge (North Terminal) No discount Dammam First Class Lounge, King Fahd Terminal No discount Egypt Cairo Terminal 1 and Terminal 3 Free Jordan Amman QAIA No discount 5/9

6 PRIORITY PASS Priority Pass, a free of charge card offered with Europa Platinum, that gives you access to a large network of VIP lounges at airports worldwide. To check the list of VIP lounges, kindly visit Steps to follow : Go into the VIP lounge at the airport Present your Priority Pass card to access the lounge B. SECURITY PROGRAMS PURCHASE PROTECTION Your purchases made with your Europa Platinum card, are protected against accidental damage, loss and theft, occurring within 90 days from the date of purchase. Do you need more information? From Lebanon and abroad: Website: C. ASSISTANCE & LIFE INSURANCE SERVICES Europa Platinum cardholder benefits from life insurance and assistance services during his travels outside his main country of residence, as long as his card is valid, and when the card is used to completely pay: Ticket for public transportation (by air, land or water) Car rental ASSISTANCE Contract subscribed by SOCIETE GENERALE DE BANQUE AU LIBAN SAL (SGBL) through GRAS SAVOYE LIBAN SAL, with ALLIANZ SNA SAL representative of Mondial Assistance in Lebanon. The Europa Platinum cardholder, his spouse and dependent children of less than 25 years of age are covered in case of illness or death that occurs during a travel outside Lebanon, for a period not exceeding 90 days. 6/9

7 LIMITS EXCESS ASSISTANCE / REPATRIATION AND ASSOCIATED SERVICES Repatriation in case of illness Actual fees Medical expenses USD / person / event USD 50 Return of dependant children less than 15 years old Actual fees Transportation of a person to join the cardholder in case of hospitalization Stay expenses for the person who joined the cardholder in case of hospitalization 1 airplane ticket / return (hospitalization for more than 10 days) USD 80 / day (10 days maximum) Body repatriation (only transportation fees) Actual fees BAGGAGE LOSS, THEFT AND BAGGAGE DELAY Loss, theft or deterioration of baggage Actual fees up to USD 800 Baggage delay of more than 12 hours Fees set at USD 300 Travel delay of more than 8 hours Fees set at USD 150 SERVICES & ASSISTANCE 24/24 Transmission of urgent messages, modification of appointments and diverse bookings Free and unlimited coverage Medical assistance by phone Free and unlimited coverage Advisory before travel Free and unlimited coverage Practical information Free and unlimited coverage Copies of travel or transportation tickets and vouchers, including those not paid with Europa Platinum card, are required in case of emergency. Steps to follow: 1- For assistance: - The cardholder has to contact Mondial Assistance by telephone: And provide them the card number, the insurance policy number AG / and his current address. 2- To declare an accident: Any accident must be notified to Mondial Assistance or SGBL: Mondial Assistance SGBL From Lebanon From abroad International_dept@nextcare.ae monetique@sgbl.com.lb Notification deadline: In case of illness, accident, death or hospitalization: instantly In all other cases: within a period of 30 days Refunding request as well as all ORIGINAL documentary proofs must be sent to the following address: Societe Generale de Banque au Liban SAL 7/9

8 Credit Cards Department Sin El Fil - Sehnaoui Building BP: Beirut - Lebanon Tel: monetique@sgbl.com.lb 1. If the card is stopped due to loss or theft, the guarantee of assistance is not interrupted. 2. If the mean of transportation from Lebanon has not been settled with Europa Platinum card, the rent of a vehicle abroad, doesn t guarantee the travel assistance coverage. In this case, the cardholder benefits from the assistance coverage only further to an accident occuring with the rented vehicle. LIFE INSURANCE Contract subscribed by SGBL - SOCIETE GENERALE DE BANQUE AU LIBAN SAL with SOGECAP LIBAN SAL. GUARANTEE OBJECTIVE The insurance guarantees indemnity payment to the beneficiary, in case of accident that occurs during a guaranteed travel or trip abroad, and if the insured is less than: 75 years old, in case of death (occurring during the 100 days following the accident date). 65 years old, in case of permanent partial or total disability of the insured. Are guaranteed: The «round trip» from Lebanon. Possible interruptions occurring during the trip (correspondence, transit ). The way to directly access the departure place of the mean of transportation. The way to go directly from the place of arrival of the mean of transportation, to the final destination, noting that: - In case of acquisition of the ticket immediately prior to the trip with the card, the guarantee is applied from the time of acquisition. - Regarding season tickets for public transportation, the guarantee is applied exclusively during the time of transport. Any trip abroad made by a mean of transportation settled with Europa Platinum card. Excluded from the guarantee are only the accidents caused by: Willful misconduct Suicide attempt or voluntary mutilation Natural disasters Atomic risks and nuclear radiation Drunkenness The use of drugs, narcotics and tranquilizers, not medically prescribed The active participation of the insured to strikes, riots, popular movements, fights, and acts of terrorism or sabotage, knowing that the guarantee is granted in case of hostage taking or hijacking. Races of motor vehicles Civil or foreign war Piloting and air sports BENEFICIARIES OF THE GUARANTEE In case of death: the surviving spouse of the insured, not separated or divorced or in default the legal successors of the insured. In case of permanent disability: the insured himself. 8/9

9 GUARANTEED AMOUNT Insured Spouse Children Death following an illness USD 1,000 USD 500 N/A Death following an accident USD 250,000 USD 125,000 USD 3,750 Total Permanent Invalidity following an accident USD 250,000 USD 125,000 USD 3,750 Partial Permanent Invalidity following an accident % of USD 250,000 % of USD 125,000 % of USD 3,750 Accidents must be notified at the following address: Societe Generale de Banque au Liban SAL Credit Cards Department Sin El Fil - Sehnaoui Building BP: Beirut - Lebanon Tel: monetique@sgbl.com.lb The rent of a vehicle abroad, doesn t guarantee the insurance coverage if the mean of transportation from Lebanon has not been settled with Europa Platinum card. For more information: From Lebanon: 1274 From abroad: D. EXPENSES CONTROL AND TRACKING Many means are available for expenses control and tracking. SMS SECUSPEND A free of charge service with Europa Platinum card that allows the cardholder, immediate track of his card transactions: SMS track of card transactions at any time Alert in case of card fraudulent use (theft or loss) to stop it immediately MONTHLY CARD STATEMENT A free monthly card statement is issued the 5th of each month to allow the cardholder to track all payment and withdrawal operations made with Europa Platinum card, in Lebanon and abroad. Payment receipts should always be kept, in order to compare them with the monthly card statement. esgbl Online banking service esgbl allows tracking of expenses made with Europa Platinum card, in «Credit card details» section. 9/9

PrACtICAL GuIde COSMOS CLASSIC

Practical Guide COSMOS CLASSIC I.CHARACTERISTICS 3 A. THE CARD 3 CARD VALIDITY 3 CARD LIMIT 3 CAPACITY OF PURCHASE AND WITHDRAWAL 3 PIN CODE 3 FEES 4 B. PAYMENTS AND WITHDRAWALS 4 PAYMENTS 4 WITHDRAWALS