THE VISA MULTINATIONAL CORPORATE CARD

THE VISA MULTINATIONAL CORPORATE CARD

WELCOME TO THE VISA MULTINATIONAL PROGRAM Companies doing business in multiple markets require global service and local support at the same time. The VISA Multinational Program is designed to meet these needs and more, delivering payment and information solutions for your business throughout the world. The VISA Multinational Program provides the most convenient payment option for your employee s expenses, for VISA is the most widely accepted card in the world. Transaction data and information tools allow you to monitor business-related expenses, which in turn helps you to manage purchasing, travel & entertainment costs. The VISA Multinational Program combines expense control with data consolidation services and reporting systems, enabling you to integrate and streamline your payment and information processes. Use the VISA Multinational Program to conduct your international business with greater ease and efficiency. And take advantage of all the benefits that make VISA the world s favorite card brand. The VISA Multinational Corporate Card is available in the following countries: Austria Bulgaria Czech Republic Hungary Poland Romania Slovakia Slovenia

THE SERVICE YOU NEED VISA MULTINATIONAL PROGRAM The VISA Multinational Program is the best solution for improving cash flow, managing your day-to-day expenses and reducing administration. It offers your employees the global service they need and a strong partner in the international marketplace. The VISA Multinational Program is the right choice for: multinational corporations looking for greater efficiencies in controlling travel and purchasing expenditures large and medium-sized companies with subsidiaries in more than one country organizations looking for a global payment solution that can combine cross-border card issuance, widespread card acceptance and flexible data management. The VISA Multinational Corporate Card is accepted in over 200 countries, at hotels, restaurants, airlines, travel agencies, car rentals and other service establishments around the world, at more locations than any other type of credit card.

VISA MULTINATIONAL CORPORATE CARD THE SOLUTION FOR YOUR INTERNATIONAL BUSINESS CENTRALIZED MANAGEMENT The key advantage of the Multinational Program is that it enables multinational corporations to streamline their information processes through centralized management. At the same time, local offices enjoy support from their local UniCredit Group-Banks in their own languages. A CARD THAT BUILDS RELATIONSHIPS Personalize your VISA Multinational Corporate Cards with your own corporate logo! Link your organization with the global VISA brand. MANAGEMENT CONTROL Individual credit limits can be assigned on a card-by-card basis within a company s total credit facility. Employee expenses can be paid in a single transaction for the whole company or in separate transactions for each local subsidiary. REDUCED ADMINISTRATION Reduce costs and increase control over purchasing, travel and entertainment expenditures. Take the paperwork out of everyday purchasing and save time and money. Simplify accounting procedures by paying off multiple invoices in a single monthly transaction. By keeping administration to a minimum, you will lower operating costs and have more time to run your business.

LIMITATION OF LIABILITY COMPANY LIABILITY WAIVER INSURANCE Company Liability Waiver Insurance provides complete security by protecting you against un authorized use of cards. If an employee misuses the VISA Multinational Corporate Card, your company is covered against financial loss. The insurance provides up to USD 25,000 of cover per cardholder per year and up to USD 1,650,000 per company per year. This insurance is automatically included in each VISA Multinational Corporate Card. VISA LOOKS AFTER YOU In the event of loss or theft, an employee s card account will only be held liable for a maximum of e 100. The company is released from any further liability at the time the loss or theft is reported to VISA. VISA MULTINATIONAL CORPORATE CARD CONVENIENT, EFFICIENT, AND COST-SAVING...

ANALYSE TRANSACTION DATA USING VISA MULTINATIONAL REPORTING VISA Multinational Reporting gives you insights into travel expenses and purchasing costs. Detailed transaction data are provided from the merchant POS Terminal and made available for you on the internet via a password. Use this information to analyse your company s expenditure and create management reports according to your needs. Consolidate your employee purchase data by hotel, restaurant, airline or supplier, or by country or cardholder. Identify potential savings and negotiate discounts with your business suppliers. VISA Multinational Reporting provides the transparency you need for corporate expense analysis and control. VISA Multinational Corporate Cards are welcome at millions of locations worldwide and throughout the VISA global ATM network. VISA is the ideal choice for your global purchasing, travel and office expenditures.

TAKE ADVANTAGE OF ALL THE BENEFITS VISA MULTINATIONAL PROGRAM Now s the time to offer your employees the VISA Multinational Corporate Card. GLOBAL ACCEPTANCE VISA Cards are accepted at more locations than any other payment system. Purchases are made without cash and payment takes place up to seven weeks later, interest-free, throughout the world and in any currency. Your employees no longer have to waste time changing money. They can simply use their VISA Cards in over 200 countries, at hotels, restaurants, airlines, travel agencies, car rentals and other service establishments around the world, at more locations than any other type of credit card. CASH WHENEVER IT S NEEDED Sometimes situations arise when only cash will do, perhaps for a newspaper, for tips or for a taxi. The VISA Multinational Corporate Card allows the cardholder access to cash throughout the world at more than 450,000 bank branches, or with a PIN, at more than 1.000,000 VISA cash dispensers (ATMs) any time of day or night. RENTAL CARS AT SPECIAL RATES! The world s largest car hire specialists, Avis and Hertz, both offer special rates for VISA cardholders. Just quote the VISA Multinational Corporate Card number and the VISA discount number (found on the back of the card) when making the reservation, and receive a discount of up to 30 %.

WORLDWIDE PROTECTION FOR YOUR EMPLOYEES WORLDWIDE TRAVEL INSURANCE PROTECTION UP TO 300,000 Your employees are insured on their business trips up to 300,000. The insurance cover applies automatically for every VISA Multinational Corporate Card all year around, even if the VISA Multinational Corporate Card is not used to pay for a journey. The only condition is that the card be used regularly (at least once in the two months preceding a claim). Personal liability coverage up to 300,000 Luggage insurance up to 1,000 Luggage delay expenses up to 200 Flight delay expenses up to 200 Document replacement up to 500 Accident insurance up to 20,000 in the event of permanent disability Worldwide emergency transport by Air Ambulance PEACE OF MIND VISA Multinational Corporate Cards include full emergency support and travel services, including cash & card replacement and a 24-hour hotline to report stolen or lost cards.

PRODUCT OVERVIEW Charge Card (incl. EMV-Chip), generally signature-based - PIN (Personal Identification Number) for cash withdrawals and for some purchases at the point of sale terminals. Validity period: 36 months Payment due date: 20 or 24 days from the monthly statement date Liability: company liability Billing: central billing Monthly statement: the Issuer sends to the company at any billing, a Euro nominated bill (monthly statement) by electronic means to an e-mail address determined by the company Credit Card Currency: EURO Business Travel insurance package (provided by Wiener Städtischen Versicherung) including the following scale of benefits: - Health travel insurance/ambulatory costs during flight 150,000 - Accident travel insurance death 10,000 - Accident travel insurance permanent disability 20,000 - Transportation costs in case of death 5,000 - Stationary treatment costs 30,000 - Ambulatory treatment costs 500 - Travellers insurance (first risk) 1,000 - Personal public liability travellers insurance 300,000 - Increased/additional costs, related to delay of flight 200 - Delayed delivery of luggage 200 - Substitution of documents 500 The only condition is that the card be used regularly (at least once in the two months preceding a claim). Corporate Liability Waiver Insurance (provided by International SOS) provides complete security by protecting the company against unauthorized use of cards. In the event of loss or theft, an employee s card account will only be held liable for a maximum of 100. If the card is left behind in a car the liability is up to 1,000. The company is released from any further liability at the time the loss or theft is reported to VISA. Management Information System (MIS): - VISA Multinational Information Management Reporting System - AirPlus interfaces are available Business language: English - All contracts, agreements, terms and conditions, manuals, folders etc. are in the English language.

card complete Service Bank AG Multinational Service Team A-1011 Vienna, PO BOX 147, Austria (EU) Tel.: +43 (0)1 711 11 / 650 Fax: +43 (0)1 711 11 / 660 E-Mail: multinational@cardcomplete.com UniCredit Bank Austria AG Philipp Löffler GTB Global Transaction Banking Corporate & Investmentbanking Schottengasse 6-8, A-1010 Vienna Tel.: +43 (0)5 05 05-42812 Fax: +43 (0)5 05 05-42827 Mobile: +43 (0)664 812 18 07 E-Mail: visa_multinationalcc@unicreditgroup.at