Contents. Welcome Your card and your PIN Your credit limit How to use your ING credit card?... 9

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3 Contents Welcome... 5 Your card and your PIN... 6 Your credit limit... 8 How to use your ING credit card?... 9 Your statement of expenditure The insurance linked to your ING credit card The other benefits of your ING credit card Contact information... 23

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5 Welcome We are pleased to welcome you as an ING credit card holder. This guide describes the numerous benefits of your new ING credit card. ING Classic Visa cards, ING Gold Visa cards and ING Gold MasterCards are recognised and accepted worldwide. They can be used both in day-to-day life and on holiday, at restaurants and online. Like millions of users around the world, you now have an efficient and practical means to pay for your spending and withdraw cash. Make the most of all the advantages of your ING credit card now. The world is your oyster! 5

6 Your card and your PIN Your card is strictly personal and nobody other than you may use it. Please sign the back of your card as soon as you receive it. Your personal PIN number will have been posted to you. This four-digit code will be required at ATMs, many shops and for online payments. Your PIN is a secret code and must remain secret! Do not write it down anywhere, especially not on your card. Choose your own PIN To enhance safety when using your card or just to simplify life we also offer you the possibility to change your PIN. You can also change it at any ING Self'Bank displaying the MasterCard or Visa logo. Select the function Change PIN" and follow the instructions on the screen to choose your new PIN. Beware: avoid combinations which are easy to guess. TIP If you want to order a new PIN, please contact your branch. 6

7 What to do if your card is lost or stolen? As soon as you realise that your ING credit card has been lost or stolen, just give a call and you can rest assured. Immediately call Card Stop on (or if you are calling from abroad). Your card will be blocked straightaway. Please note this number in both your diary and your mobile phone. Report the loss or theft to the local official authorities within 24 hours. At the possible request of Atos Worldline, provide the proof and references of your report (chaussée de Haecht 1442, 1130 Brussels). Accordingly you will be fully discharged from any liability for fraudulent expenditure carried out by a third party either from the day of your phone call (in the case of manually recorded transactions) or from the precise time of your call (in the case of electronic transactions). In the case of transactions carried out before such day or time, your liability will generally be limited. Always remain on your guard when entering your PIN. 7

8 Your spending limit The amount you can spend each month by means of your card is fixed. If this limit does not meet your transaction requirements you can, at any time, apply to your ING branch to increase this spending limit. ING Card holders can also: increase the spending limit easily via: - Home'Bank - Self Bank - Phone'Bank increase your limit yourself by making deposits to fund your ING Card account in Home Bank and Self Bank. This possibility is extremely practical if you are planning a major spending spree, just before going on holiday for instance. When you make a deposit on your ING Card account, it takes two working days for the spending limit increase to take effect. 8

9 How to use your ING credit card? Your card is accepted in millions of retail outlets displaying the MasterCard or Visa logo: a variety of services, shops, restaurants, supermarkets, taxis, car rental companies, petrol stations, airlines, tollbooths, hotels, internet stores, etc. both in Belgium and abroad. You are assured of a warm welcome at all times. A. Payments in Belgium and abroad Nothing could be easier than paying for your purchases with your card. Depending on the terminal, you accept the transaction: by entering your PIN and then pressing OK by manually signing the voucher presented by the merchant Tip Keep the copies of the sales vouchers carefully as you will need them to check the transactions indicated on your statement of expenditure. 9

10 ING Card: additional service If you have chosen an ING Card, you can transfer, via Home Bank and Self'Bank, money from your ING Card account to any other Belgian account. Provided the account is sufficiently funded when the transfer is carried out, the money will be transferred to the current account within two working days. 10

11 B. Online payments Check to see if the "Verified by Visa" and "MasterCard SecureCode" logos are visible on the websites where you want to make purchases. The logos certify that these sites meet the security requirements for online payments stipulated by Visa or MasterCard. The merchants will ask you, via their website, to provide the number and expiry date of your card. In addition, for Belgium you must often enter the CVC code: the last three digits of the number on the back of your card. Next, you will be asked to identify yourself by means of your ING Card Reader as you do with Home Bank. In this way you confirm that you are the card holder. Your purchase will be confirmed via the vendor's site. Sites that do not display these logos do not offer the same security conditions as you are not required to confirm that you are the card holder. 11

12 C. Remote payments (by telephone) You can make payments by telephone or mail using your ING credit card. For that purpose, simply provide your name and address, as well as the number and expiry date of your card. In some cases, you will also have to enter the CVC number of your card (the 3-digit code on the back of your card). Tip Never disclose your PIN number, even when making purchases over the phone. 12

13 D. Cash withdrawals ATMs Your card and your PIN allow you to withdraw money 24/7 at any ATM displaying the MasterCard or Visa logo, both in Belgium and abroad. Total cash withdrawals made with the same card from cash dispensers may never exceed 620 euros per period of four consecutive days. This amount can be withdrawn in one go or spread over several transactions. Foreign exchange agencies By simply showing your card, you can also withdraw cash from exchange agencies in Belgium and abroad. Once your identity has been checked, you will receive the amount requested. For all the withdrawals you make, the maximum amount will correspond to the maximum limit of your ING credit card. 13

14 E. Service charges Eurozone Non-eurozone Payments Free An exchange-rate margin of 1.4% is added to the exchange rate applied. - at ATMs: a flat charge of % of the amount withdrawn. - at the counters of a bank: a flat charge of % of the amount withdrawn. - at ATMs: a flat charge of % of the amount withdrawn. - at the counters of a bank: a flat charge of % of the amount withdrawn. In both cases, an exchange-rate margin of 1.4% is added to the exchange rate applied. For the latest charges, please contact your ING branch or view the charges at > Charges and regulations. 14

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16 Your statement of expenditure Clear and detailed Each month, you will receive an itemised statement of expenditure. If you disagree with a transaction please notify Atos Worldline (chaussée de Haecht 1442, 1130 Brussels) as soon as possible in writing, indicating the number of your card, the date and number of your statement, as well as the references of the disputed amount. Your complaint will be examined quickly and you will be refunded in the event of an error. TIP Do you subscribe to the Home'Bank or Phone'Bank services? Do you use Self'Banks? In that case you can view the transactions carried out in the course of the month with your credit card at any time. 16

17 Monthly closing date: - the 7 th of the month for ING Gold MasterCards - the 27 th of the month for ING Classic Visa and Gold Visa cards - the 19 th of the month for ING Cards 17

18 Repaying your spending You have an ING Classic Visa, an ING Gold Visa card or an ING Gold MasterCard: Your ING current account will be debited with the total amount utilised 9 calendar days after the monthly closing date. On that date the fixed spending limit will become available again (not including the spending made since the closing). You have an ING Card You can repay at your own pace, in one or several instalments. Ideal for a flexible budget! 18

19 When you receive your statement of expenditure, (towards the 28 th of the month), you decide whether you want to repay the whole of your spending or whether you want to spread your repayments. You have until the 5 th of the month following the closing to make your decision. After that date, interest will be charged on the outstanding balance yet to be paid. If you opt to repay in full, simply transfer the amount indicated on the transfer form enclosed with your statement. Attention, borrowing money also costs money. Text messaging service You can view your ING credit card balance at any time via our text messaging service. For that purpose, simply dial on your mobile phone. A short while later you will receive a text message with your available balance. How can you subscribe to this service? - via your ING branch - via Phone Bank - via Home Bank 19

20 The insurance linked to your ING credit card Two types of insurance cover your purchases: The Purchase Protection insurance covers 100% of the purchases you make by means of your ING credit card against theft and accidental damage. The Safe on Line insurance is a specific policy for online purchases. It comes into play if your order is not delivered, or if the item or service ordered does not match the description on the website. Travel accident insurance Travel accident insurance covers you and your family when you are travelling. If you use your ING credit card to pay for your means of transport when you are travelling, you automatically benefit from the travel accident insurance. Tip: The cover, general terms and conditions of these insurance policies and the insurance claim forms are available on our website 20

21 The exclusive benefits of your ING Gold credit card In addition to these policies, the ING Gold Visa card and ING Gold MasterCard provide additional cover in three forms: Travel cancellation insurance will refund you in the event you cancel your trip if you paid at least 50% of the trip with your ING Gold credit card. The warranty extension insurance ensures that the manufacturer extends the initial two-year warranty by one year for goods purchased with your ING Gold credit card. The card fraud guarantee insurance protects you in the event of fraudulent use before the theft or loss of your ING Gold credit card is reported. ING has taken out insurance for its customers with: ACE European Group Limited, avenue des Nerviens 9-31, B-1040 Brussels enterprise number an insurance company registered under the n FSMA AXA Insurance Ltd, taken out by Inter Partner Assistance SA Irish Branch, a subsidiary of Inter Partner Assistance SA, avenue Louise, 166, bte 1, B-1050 Brussels, an insurance company registered under the FSMA n Chartis Europe SA a Belgian subsidiary, boulevard de la Plaine 11, B-1050 Brussels, Brussels RPM/RPR , an insurance company registered under the FSMA n

22 The other benefits of your ING credit card Save and collect Winning 5 euros has never been easier! Thanks to the "Save and Collect" programme, you can receive a series of 5 vouchers simply by using your credit card. You will automatically receive 1 point for each transaction of a minimum of 25 euros. When you have saved 5 points, you will automatically receive a 5 voucher valid at over 1,200 partners in Belgium. More information available at Exclusive advantages Some shops regularly offer discounts or advantageous conditions on your purchases. Such advantages will be granted to you if you pay with your credit card. Tip: The offers from which you can benefit at advantageous conditions are indicated in a leaflet enclosed with your statement of expenditure. You can also receive them by . Simply register for the "BCC Newsletter" on the website 22

23 Contact information ING Info: weekdays from 7 a.m. to 10 p.m. and on Saturdays from 9 a.m. to 5 p.m. Card Stop: Contact your branch For: - any change of address - spending limit changes - ordering a new PIN - a copy of an ING Card statement of expenditure Contact Atos Worldline (AWL) Chaussée de Haecht Brussels Phone: To: - find out the available balance on your credit card - dispute a transaction - request a copy of a statement of expenditure (except ING Card) The ING credit card general terms and conditions are available from any ING branch and at > Charges and regulations. 23

24 ING Belgium SA/nv Bank avenue Marnix 24, B-1000 Brussels Brussels RPM/ RPR VAT: BE BIC: BBRUBEBB IBAN: BE Publisher : Philippe Wallez Cours Saint-Michel 60, B-1040 Brussels E 01/12.