MASTERCARD PLATINUM BIL. You re right to ENJOY YOURSELF!

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1 MASTERCARD PLATINUM BIL You re right to ENJOY YOURSELF!

2 May it enable you TO ENJOY YOURSELF day after day! THE MASTERCARD PLATINUM BIL Discover the advantages of a payment card and a package of services and facilities which will make your life more comfortable. We want the MasterCard Platinum BIL to enable you to enjoy good times, whether it be pleasant meals, shopping sprees or rewarding journeys In the following pages you will find a brief description of the exclusive Platinum services. Fuller information is available on our website at or from your BIL personal relationship manager. Our contact and services centre is also at your service from 8:00 to 17:00, Monday to Friday on (+ 352)

3 THE MOST WIDELY ACCEPTED CARD Enjoying yourself is being able to pay your bills, ANYWHERE WITH COMPLETE SECURITY With the MasterCard Platinum BIL you can pay in more than 28 million establishments worldwide. You can also withdraw cash from more than a million cash machines throughout the world that you can easily find on HIGH PAYMENT AND WITHDRAWAL CAPACITY Thanks to its comfortable limit the MasterCard Platinum BIL enables you to pay for a vast number of purchases, holidays, restaurant bills and other leisure expenses with the certitude that you will be treated as a privileged customer

4 EXTRA SECURITY IN THE EVENT OF LOSS OR THEFT In the event of the loss or theft of your MasterCard Platinum BIL, just contact us 24/7 on (+ 352) to stop its use. If you have taken the required security measures, you will not be liable for any excess on any expenditure recorded on the card between the time of the card s loss and that of your call. You can also request a cash advance or an emergency replacement card. This procedure will enable you to receive a new card within three working days at the fee currently in force. So your holiday is safe! EVEN ON THE INTERNET OPTIMAL MANAGEMENT OF YOUR BUDGET You can check your most recent MasterCard Platinum BIL expenditure at any time via BILnet, our Internet Banking system. This guarantee naturally also applies to your Internet transactions - valuable reassurance which means you can carry out your online reservations and purchases with complete peace of mind!

5 With the MasterCard Platinum BIL Assistance, you are covered, together with members of your family 24 hours a day, 7 days a week in the most comprehensive way possible, wherever you live in Europe 1! You thus benefit from a worldwide package of personal assistance and travel cover as well as European vehicle assistance. PERSONAL ASSISTANCE This covers a range of additional, medical and paramedical services when you are travelling: comfortable hospitalisation (single room, etc.), reimbursement of medical costs abroad up to EUR 250,000, repatriation and accompaniment, cover for companions, visitors, luggage and pets, replacement driver, assistance in the event of death, psychological assistance, dispatch of spectacles, prostheses, medication, assistance on the ski-run, refunding of lessons and the ski-pass and refunding of initial veterinary charges for pets. TRAVEL ASSISTANCE It will be your faithful travelling companion and protect you in the event of loss or theft of your travel documents and/or tickets. It also guarantees your early return in the event of the hospitalisation/death of someone close to you or in the case of serious damage to your home. Lastly, it will allow you to send urgent messages, to have cash if you need it or to benefit from the help of an interpreter, a replacement driver and help in the event of legal proceedings. 1 All countries of the European Union plus Monaco, Norway, Andorra, Liechtenstein and Switzerland. With the exception of islands and departments not situated on the European continent

6 Enjoying yourself means knowing that your family is COMPREHENSIVELY COVERED VEHICLE ASSISTANCE 2 Your vehicle is ideally covered since you benefit from a range of services throughout Europe such as breakdown, towing, dispatch of spare parts, accommodation if your vehicle is immobilised, repatriation of the vehicle and of the driver and passengers, safeguarding of property and care of luggage. 2 Valid only for vehicles registered in one of the countries of the European Union as well as Norway, Monaco, Andorra, Liechtenstein and Switzerland

7 ASSISTANCE AT HOME 3 This assistance offers you a home-help and child minding service in the event of hospitalisation. Moreover, it provides for sending a locksmith or caretaker for your home, hotel accommodation or assistance with removal if your home should be uninhabitable as the result of serious damage. LEGAL ASSISTANCE With your MasterCard Platinum BIL a legal information service is freely accessible. TRAVEL INFORMATION SERVICES Questions about your travel, vaccinations, climate, passport and visa, tourist attractions With your MasterCard Platinum BIL take advantage of an information service accessible Monday to Saturday from 9:00 to 18:00 (except public holidays). As a MasterCard Platinum BIL holder, you automatically benefit from these services which are not in any way linked to your use of the card. The various assistance benefits are provided by Europ Assistance, leader on the assistance market. 3 Valid only in the Grand Duchy of Luxembourg and in Belgium

8 YOU BENEFIT FROM INSURANCE AGAINST CANCELLATION AND INTERRUPTION OF YOUR JOURNEY When you pay for your journey with your MasterCard Platinum BIL you benefit from travel cancellation and interruption cover up to EUR 15,000. You will be covered in the event of serious illness, accident and death but also in the event of a resit by one of your children, loss of employment, divorce, separation or serious damage to your home. YOU ARE COVERED AGAINST THE INCONVENIENCIES OF TRAVEL Your MasterCard Platinum BIL guarantees you a comfortable journey, valid for all regular means of transport, charter flights and shuttle services chartered by a travel agency or a tour operator. - In the event of a missed departure resulting from a breakdown or an accident to a car, taxi or public transport taking you to the airport, station or port, even abroad, you will benefit from cover of EUR 750 to pay for the extra costs of rearranging your flight, hotel accommodation, meals, etc. - In the event of a delay to the flight or the train or of a missed connection of more than four hours, you will be reimbursed up to EUR 200 for meals and other costs due to the delay. This cover applies to flights, trains and ships using regular lines. - In the event of a luggage delay of more than four hours you have a budget of EUR 450 to pay for urgent purchases of clothes and toiletries. If the delay exceeds 48 hours, you will be given an additional budget of EUR 1,000. This cover applies to flights and journeys using regular and chartered lines, except for your return journey to your official place of residence

9 The compensation for these different travel inconveniences is granted per group of insured persons travelling together per journey and is additional to the compensation granted by the carrier. YOUR LUGGAGE IS INSURED AGAINST THEFT Enjoying yourself means TRAVELLING IN CONFORT whatever the circumstances When you travel abroad, your luggage is covered against theft up to EUR 2,500 per claim. YOUR RENTAL VEHICLES ARE IDEALLY COVERED 4 When you pay for your vehicle rental with your MasterCard Platinum BIL, you no longer need to take out additional insurance to cover the excess. Another significant saving This cover applies only if the damage to the vehicle is covered by the rental company s insurance policy

10 Enjoying yourself means buying what you want, spending pleasant weekends, LOOKING AFTER YOURSELF Your MasterCard Platinum BIL includes insurance, services and additional benefits to ensure your pleasure and that of those close to you. For any requests for information relating to the insurance cover of your MasterCard Platinum BIL, our broker Gras Savoye is at your service from 8:00 to 17:00, Monday to Friday on (+ 352) or by at YOUR PURCHASES PROTECTED When you buy something that costs more than EUR 50 with your MasterCard Platinum BIL, this is automatically covered for 90 days against theft, or accidental damage up to EUR 4,000 per purchase and EUR 12,000 per year!

11 With your MasterCard Platinum International BIL you receive your Priority Pass and become a member of an exclusive club. Priority Pass gives you access to VIP lounges in over 600 airports around the world, regardless of your airline or travel class. Your Priority Pass will guarantee peace and tranquillity as you wait for your flight. For your more international needs: MASTERCARD PLATINUM INTERNATIONAL BIL An exclusive welcome is reserved for you in a private area where refreshments and newspapers are provided. If you need to work, you ll have access to all the necessary resources: , Internet, fax, conference rooms, etc. How do you take advantage? Nothing could be easier! Just show your Priority Pass and you and your guests 5 can access these VIP lounges. As a member, you have five free entries each year. Escape the stress of the airport and enjoy a lounge area where you can relax even when you re working Prices for additional access by you and your guests are available on the Priority Pass membership form

12 Enjoying yourself means SIMPLIFYING LIFE to save time Whether you are buying show tickets, sending flowers or booking restaurants and hotels, your MasterCard Platinum International BIL offers you the know-how of a qualified, multilingual team at the Europ Assistance group. You thus have access to a concierge service to advise you, assist you and make life easier to help you save time. Whether you re travelling on business or for pleasure, looking for tourist information or cultural advice to make the most of your free time, you can rely on a team that, if necessary, can call on the support of the Europ Assistance international concierge network to answer your questions and give you peace of mind as you travel. In practice, whenever you need information or private/business services, you call a Europ Assistance team between 8:30 and 20:00 on (+32) You pay only for the cost of the services requested. 6 Service available every Belgian business day

13 This brochure describes the general characteristics of the MasterCard Platinum BIL and MasterCard Platinum International BIL offering. Only the information described in the insurance policies is binding. To consult these policies, go to or ask your usual relationship manager. MasterCard Platinum BIL and MasterCard Platinum International BIL assistance is operated on behalf of Banque Internationale à Luxembourg SA by Europe Assistance (Belgium) SA, RPM , an insurance company approved under code 1401 to practise branches 13, 16 and 18 (Assistance) by the royal decree of (M.B ) and approved to practise branches 13, 16 and 18 in the Grand Duchy of Luxembourg, registered office of which is at Boulevard du Triomphe 172, B-1160 Brussels, Belgium

14 The insurance cover consists of collective insurance policies taken out by Banque Internationale à Luxembourg SA with LA LUXEMBOURGEOISE, Société Anonyme d Assurances (public limited insurance company) with its offices at 9, rue Jean Fischbach, L-3372 Leudelange, a Luxembourg insurance company subject to supervision by the Commissariat Aux Assurances (Luxembourg Insurance Commission). Leaflet The information given in this brochure is provided purely as an indication. The information is published without any commitment as to its exhaustiveness, accuracy or currency. Under no circumstances does it constitute an offer or an invitation to buy or sell. It has no value as legal, accounting or fiscal advice and is valid only at the time that it is given. The concierge services are provided on behalf of Banque Internationale à Luxembourg SA by Europ Assistance (Belgium) SA, RPM , registered office Boulevard du Triomphe 172, B-1160 Brussels, Belgium. The Priority Pass service is provided by The Collinson Group Limited the registered office of which is at Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU, England. Our Relationship managers in our branches are available for any additional information

15 Banque Internationale à Luxembourg SA 69 route d Esch L-2953 Luxembourg RCS Luxembourg B-6307 T (+352) F (+352) contact@bil.com DM EN 08/16