User Guide INITE INFINITE INFINITE VISA VISA INFINITEVISA INFINITE INFINITE VISA INFINITE ISA VISA INFINITE INFINITE VISA INFINITE VIS INFINITE VISA

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1 INI E I IN IN N V S IN S TE S VIS IS N IN N IN IN IS User Guide

2 Table o Contents Features Competitive Features Visa Infinite Privileges

3 Visa Visa CreditBank Your In inite a to Worldof Luxury With Visa Infinite card you will have the ultimate pleasure of enjoying an infinite selection of unsurpassed privileges tailored to your

3 3 Visa Visa CreditBank Your In inite a to Worldof Luxury With Visa Infinite card you will have the ultimate pleasure of enjoying an infinite selection of unsurpassed privileges tailored to your unique taste and lifestyle. CreditBank s Visa Infinite card, a top tier card product in the industry, complements the affluent lifestyle of a select few in the elite social circle and meets their requirements. It opens the door to exclusive privileges and benefits, where a host of personalized luxury services is just a phone call away.

Features Currency Visa Infinite USD Visa Infinite Plus USD 5 Minimum limit USD 15,000 USD 15,000 Ceiling USD 50,000 USD 50,000 Withdrawal limit TM: USD 5,000/day POS: USD 20,000/day TM: USD 5,000/day

4 Features Currency Visa Infinite USD Visa Infinite Plus USD 5 Minimum limit USD 15,000 USD 15,000 Ceiling USD 50,000 USD 50,000 Withdrawal limit TM: USD 5,000/day POS: USD 20,000/day TM: USD 5,000/day POS: USD 20,000/day Card price/yr Main: USD199 Supplementary: USD169 Main: USD299 Supplementary: USD249 Interest rate TM: 2.3% POS: 1.9% TM: 2.3% POS: 1.9% Grace period Up to 40 days on purchases Up to 40 days on purchases Late payment fees USD 15 per month USD 15 per month TM fees USD 5 per local transaction USD 5 per local transaction Card replacement Theft/loss: Free Other: USD 100 Theft/loss: Free Other: USD 100 CB Miles: Welcome bonus 100 points CB Miles: Welcome bonus 100 points Competitve features Emergency cash disbursement Emergency cash disbursement Emergency card replacement Emergency card replacement

Competitive features Visa Infinite Visa Infinite Plus Competitive Features Emergency payment authorization Free travel advice & assistance Free crisis response assistance Visa Infinite exclusive

5 Competitive features Visa Infinite Visa Infinite Plus Competitive Features Emergency payment authorization Free travel advice & assistance Free crisis response assistance Visa Infinite exclusive privileges Full multi trip ins: USD 1 per month Optional CB Pull SMS: USD 0.5 per month SMS lert: USD 1 per month Fraud insurance: USD 22 Free life insurance Free online service DL: USD 1 per month (optional) Free statement of account Emergency payment authorization Free travel advice & assistance Free crisis response assistance Visa Infinite exclusive privileges Full multi trip ins: USD 1 per month Optional CB Pull SMS: USD 0.5 per month SMS lert: USD 1 per month Fraud insurance: USD 22 Free life insurance Free online service DL: USD 1 per month (optional) Free statement of account Free purchase protection Free extended warranty CB Miles Loyalty Program (For Visa Infinite and Visa Infinite Plus cardholders) Your CreditBank Visa Infinite card entitles you to be enrolled in CreditBank s CB Miles Loyalty Program. ccumulate points and redeem them for services offered by our network of travel agencies. The benefits ~ Use your CB Miles for all or part of your airline tickets or travel packages. ~ Redeem your points with any airline to any destination. ~ Travel during high or low season. ~ No set limit for the number of points collected. ~ Your points are valid until the expiration of your card. Just use your Creditbank Visa Infinite credit card for your purchases at POS to start earning points. Please note that cash withdrawals are not accounted for. 7

6 9 Each 5 points = USD1 redeemable at our network of travel agencies. To get the full list of travel agencies please visit our website CB Miles points To check the balance of your CB Miles points balance, pass by your nearest CreditBank branch or check the balance of your accumulated points listed on your monthly statement of account as follows: ~ Brought forward points: X (your balance at the end of the previous month). ~ Current cycle points: X (your points accumulated during the current month). ~ Cumulative net points: X + X (your cumulative total balance of points to date). To calculate the points you earned, check the cumulative net points indicated on your last statement of account, divide the cumulative net points by five to get the equivalent amount in USD. Our customer relationship officer at your corresponding branch will be glad to assist you in checking your CB Miles balance and provide you with the voucher to redeem your points. Global Support Services (Visa Infinite and Visa Infinite Plus) Cardholder inquiry service If you want to inquire about the location of the nearest TM or other relevant Visa Infinite card inquires, just call the Global Customer Care Services (GCCS) available 24/7, by using the Visa worldwide network of toll-free telephone numbers. Emergency card replacement If you lose your card abroad, please call the Global Customer Care Services (GCCS) to report your lost card and request an emergency card replacement. Service fees: USD 250 per request Emergency cash disbursement If you lose your card abroad, you can also request a cash advance of up to USD 5,000 to be delivered to you upon request. Service fees: USD 175 per request Emergency payment authorization Important transactions will be processed on your behalf while you wait for a card replacement or emergency cash.

VisaIn inite Priviliges 11 Pamper yourself with CreditBank s Visa Infinite card and its wide array of privileges, gifts, offers, savings and opportunities created exclusively to connect you to a

7 VisaIn inite Priviliges 11 Pamper yourself with CreditBank s Visa Infinite card and its wide array of privileges, gifts, offers, savings and opportunities created exclusively to connect you to a world of infinite luxury. Travel Privileges s a Visa Infinite cardholder, you can take advantage of a variety of exclusive promotions offered by CEME and Global Merchants* and benefit from many other privileges to travel with ease and peace of mind. Priority Pass (Visa Infinite and Visa Infinite Plus) The Visa Infinite card gives you access to VIP lounges located in over 500 international airports in more than 90 countries. Simply present your Priority Pass membership card to the lounge reception, sign a record of visit voucher or swipe your card electronically to record your visit.* Travel dvice and ssistance (Visa Infinite and Visa Infinite Plus) TRVEL DVICE Before and during your trip, X Middle East SL will provide you with information on current visa and entry requirements for all countries. If you hold a passport from a country other than the country of residence, X may need to refer you to the embassy or consulate of the country concerned. * To see the exclusive promotions for Visa Infinite cardholders, and get more detailed information on your card benefits, log onto or or * Cardholder and guests will be charged per visit

8 13 Travel ssistance, Crisis Response ssistance: Visa Infinite Security Programs During your trip, X Middle East SL will: 1. Refer you to lawyers, legal practioners and/or interpreters and other relevant persons or institutions when needed. 2. rrange payment of all reasonable costs necessarily incurred in replacing essential documents (including personal computer discs and presentation slides) that are lost or stolen. Costs payable cover only the physical cost of replacing the documents. ny intrinsic value for costs such as value of bonds or cheques or similar documents shall not be replaced. 3. Refer you to physicians, hospitals, clinics, ambulances, private duty nurses, dentists, dental clinics, services for the disabled, ophthalmologists, pharmacies, opticians and suppliers of contact lenses and medical aid equipment. 4. Replace essential prescription medication which has been lost or stolen, if it, or local equivalent, is unavailable when you are outside the country of residence. X Middle East SL will bear the costs for dispatch, but all costs of obtaining the medicine remains subject to the regulations imposed by airline companies or any other transportation company, as well as local and/or international laws. 5. dvance any required hospital admittance deposit up to the amount of $2,500 if you must be admitted while travelling outside the country of residence. ll advances and delivery fees will only be made if accepted means of repayment to X Middle East SL are made in advance. global security management operation covering terrorism, kidnap & extortion responses 24/7. Policy Coverage: ~ Violent crime: ny act of threat of violence to you which causes, or is likely to cause, death or serious bodily injury. ~ Terrorism: n act of terrorism which directly affects your safety. ~ Hijack: the unlawful seizure of, or wrongful taking control of an aircraft, ship, train or other vehicle in which you are travelling. ~ Blackmail & Extortion: Threat of violence against you, or your property, if they do not comply with the perpetrator s demands. ~ Wrongful Detention or kidnapping: Wrongful detention or kidnapping targeting you. ~ Extra Expenses: dditional costs incurred by yourself, acting upon the direct instructions of the crisis consultants. Limits of Liability US $100,000 for any one crisis involving you Policy Period 12 months Crisis Coverage Period 30 days (except for insured event terrorism at 10 days) Policy Territory Worldwide Purchase Protection (Visa Infinite Plus) Using the Visa Infinite card for shopping provides you with increased purchase protection. Benefits Coverage for theft or damage of new products / items over USD 50 Per item: up to USD 5,000 Per incident: up to USD 7,500 Per year: up to USD 20,000 Coverage Purchase protection covers repair, replacement or reimbursement of personal property items in the event of theft or damage within a period of 90 days after purchase. The items should be purchased entirely with your CreditBank Visa Infinite card. CreditBank requires notice within 28 days of the date of theft or damage. To make a claim, complete and sign the claim form and attach requested documents. Coverage shall be void in case the claim is not properly completed or signed or the required documents are not provided.

9 Documents required for claim ~ CreditBank Visa Infinite card purchase receipt ~ Itemized store receipt ~ Claim form ~ police report (issued within 48 hours in case of theft), fire report, insurance claim, loss report, or other reports determining eligibility for benefit. ~ ny other documentation necessary to substantiate your claim Coverage exclusions Boats, motorized vehicles, land or buildings, consumables, perishables or services which are not covered. Extended warranty (Visa Infinite Plus) Purchase with confidence when using your CreditBank Visa Infinite card. The extended warranty plan extends the manufacturer s warranty by up to one additional year (to a maximum of 24 months). Benefits Coverage of the cost of repair or replacement of new items over USD 50 Per item: up to USD 5,000 Per year: up to USD 7,500 Coverage Within the first 90 days of purchase, the extended warranty will repair or replace eligible items purchased with your CreditBank Visa Infinite card. CreditBank requires notice within 28 days of the date of the incident. To make a claim, complete and sign the claim form and attach requested documents. Coverage shall be void in case the claim is not properly completed or signed or the required documents are not provided. Documents required ~ CreditBank Visa Infinite card receipt ~ Itemized store receipt ~ Claim form ~ copy of the original manufacturer s warranty and any other applicable warranty ~ description and serial number of the item, and any other documentation deemed necessary to substantiate your claim ~ The original repair order Coverage exclusions Boats, motorized vehicles, land or buildings, consumables, perishables or services which are not covered. NFIN TE SV N INIT NFIN NFIN V SVI S FINIT IN TE IN FINIT INIT I E N IS Full Multi-Trip Travel Insurance (Visa Infinite & Visa Infinite Plus) The full multi-trip travel insurance cover is highly comprehensive: it protects you and your family during trips abroad and includes trip cancellation, repatriation, lost baggage, medical cover, loss of money, personal liability, death and disability benefit. Eligibility The insurance covers CreditBank s Visa Infinite cardholders and their accompanying immediate family (spouse, financially dependent children under 19 years of age, parents, parents in law and siblings). Insurance period The policy covers you for up to 90 days during your travel outside Lebanon. For the policy to be valid, at least 50 percent of the cost of your travel should have been purchased with your CreditBank Visa Infinite card. IN E N VI IN E TE I IS I IS VIS IS VIS INI INI IN I TE

10 Coverage Full multi trip travel insurance coverage includes: ge limit ( years) Pre-existing medical condition Maximum length of trip ( days) Geographical limits Benefit *dvance of hospital admission deposit *Lost or stolen document assistance *Cancellation or curtailment abandonment *Rebooking fees *Delayed Departure, after 4 hours delay, up to a maximum of 12 hours *Baggage Delay, after 4 hours, up to a maximum of 12 hours 75 Yes 90 consecutive International To make a claim, please call Global Customer Care Services (GCCS) or X assistance on: +44 (0) or us on: claims@axa-assistance-claims.com to fill out the required claim form and provide all relevant information and documents. On a trip outside the country of residence Up to $2,500 Up to $1,000 $5,000 $500 Up to US$75 per hour delay Up to US$42 per hour delay *Hijack Benefit, maximum - per day *Medical Expenses -per event, per person excess *Evacuation and Repatriation Expenses *Close Relative to travel out if hospitalized *Return Home of children *Repatriation of Mortal Remains *Hospital Benefit, maximum - per day, maximum 30 days *Personal belongings, maximum - Single rticle Limit - Valuable Limit in Total - Excess per claim *Personal Money - Excess per claim *Personal ccident - Children 16 years of age or under *Personal Liability *Overseas Legal Expenses US $1,050 US $50 US $1,000,000 US $100 US $500,000 Economy Return Flight Economy Flight Cost US $3,000 US $100 US $2,500 US $250 US $300 US $ 50 US $ 500 US $50 US $1,000,000 US $5,000 US $500,000 US $7,500 Visa Infinite Exclusive Privileges Exculsive dining promotions CreditBank Visa Infinite card will give you access to the world s most exclusive restaurants, in addition to VIP special discounts and offers. Shopping privileges With your CreditBank Visa Infinite card, you can enjoy significant discounts at a selection of the world s finest shops. Lifestyle privileges CreditBank Visa Infinite card gives you exclusive access to a variety of events and experiences: classical concerts, spa treatments, theater premiers, sports events and more. 17

11 INI E IN IN N V S IN S TE S VIS IS N IN N IN IN IS

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