using yourProfessional Card

Safe, convenient payment through- out the world

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The benefits of your card

Before you start using your card

What you need to know about your card

Paying with your card

Cash withdrawals

Monthly statement

Security & checking

Insurance

Extras with your card

What to do if…

Important telephone numbers

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anywhere in the worlda convenient and safe payment method

As holder of an ABN AMRO Professional Card

you have a convenient and safe payment

method, at any time and in any place. For all

your business expenditure: in shops and

restaurants, while travelling and on the internet.

You can monitor all your transactions online,

keeping up-to-date easily. The ABN AMRO

Professional Card also offers many extras.

A free insurance package, assistance abroad,

a service that helps you reclaim foreign VAT

and a year’s free access to the business lounges

in the many Regus centres.

This is a translation of the original Dutch guide

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the benefits of your ABN AMROProfessional Card

before you start using your ABN AMRO Professional Card

▶ A convenient method of payment worldwide with the most widely accepted credit card.

▶ Your business and personal expenditure easily separated.

▶ Online insight into your expenditure and spending limit on a secure internet site whenever you want.

▶ Settlement monthly in arrears.

▶ Easier, safer payments with PIN.

▶ Safe payment on the internet with MasterCard SecureCode.

▶ Virtually all your purchases with your ABN AMRO Professional Card insured for 180 days.

▶ Carefree travel with a free insurance package, assistance abroad and a replacement credit card in the event of loss or theft.

▶ Emergency Card Replacement within 48 hours, practically anywhere in the world.

▶ In principle no cardholder’s liability in the case of loss or theft of your credit card.

▶ Easy reclaiming of your VAT abroad with the VAT Reclaimer Service.

▶ A year’s free access to the business lounges of the many Regus centres.

▶ Regular exclusive offers - information available online.

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the benefits of your ABN AMROProfessional Card

before you start using your ABN AMRO Professional Card

Signature Before you start using your ABN AMRO Professional Card please

sign the strip on the back of the credit card, using a blue or black

ballpoint pen. This is to prevent the likelihood of unauthorised use

of your credit card. When you make payments that do not require

your PIN, you will need to confirm the purchase with your

signature.

Conditions

By signing and/or using your credit card you agree to be bound by

the applicable conditions that you received with your credit card.

Paying safely and easily using your PIN

The ABN AMRO Professional Card is equipped with a chip.

This chip has been developed to make payments even safer.

In combination with the PIN belonging to your credit card the chip

gives you even better protection against the risk and inconvenience

of fraud. On the one hand because the chip stores your details

very securely and on the other hand because in practice use of

a PIN is safer than a signature. This means that your ABN AMRO

Professional Card complies with the global security standard and

facilities that are currently being introduced in many countries.

PIN

Your PIN will be sent to you separately from your ABN AMRO

Professional Card. You can use your credit card and PIN to make

payments and if necessary to withdraw cash. Learn the PIN off by

heart and destroy the letter containing your PIN in order to prevent

improper use.

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You can change your PIN as follows:

▶ Take your activated ABN AMRO Professional Card to

an ABN AMRO cash dispenser (in the Netherlands).

▶ Insert your credit card.

▶ Follow the instructions on the screen.

▶ Select a PIN that is easy for you to remember.

NB ▶ You have to know the PIN that you received at the same time as

your credit card in order to be able to change it.

▶ Do not choose an obvious PIN, such as your postcode, date of birth

or simple number combinations, such as 1234, 4321 or 0000.

▶ You are obliged to keep your chosen PIN secret.

Payment with your PIN A credit card payment using your PIN is fast and simple. Once

you have verified the amount, you enter your PIN in the equipment

provided to approve the payment. You will then no longer need to

sign for payments.

NB In the Netherlands and in more and more surrounding countries a

PIN rather than a signature is requested for credit card payments.

Forgotten your PIN?If you have forgotten your PIN, call ABN AMRO Credit Card

Services on +31 (0)342 - 429 004 to re-request your PIN.

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Information about your ABN AMRO Professional Card In principle you will find what you need to know about using your

Professional Card in this brochure and the applicable conditions.

It is therefore convenient to keep the brochure with your papers.

At abnamro.nl/professionalcard you will find the most up-to-date

information about the possibilities and use of your credit card.

If you still have questions about your credit card, please call

ABN AMRO Credit Card Services on +31 (0)342 - 429 004.

This number is also shown on the back of your credit card.

When phoning to ask questions about your credit card you will need the 16-digit number from your credit card.

Your 16-digit

credit card number

7Before you start using your ABN AMRO Professional Card

Validity Your ABN AMRO Professional Card is valid for two years. The front

of your credit card shows the expiry date. If it says ‘valid thru 05/11’,

for instance, your credit card is valid until the end of May 2011.

A few weeks before your credit card expires, you will automatically

receive a new card. Once you have activated the new card, you can

start using it immediately. Your PIN remains the same. Do not forget

to destroy your old credit card by cutting it up.

When cutting up your old credit card, cut through both the computer chip and the hologram, to prevent unauthorised use. The hologram is on the back of the credit card.

Spending limit Your ABN AMRO Professional Card gives you a financial facility

to make payments up to a specific amount: this is your spending

limit. This limit varies from EUR 1,000.- to EUR 10,000.- a month.

This amount may be raised or lowered in consultation between

you and ABN AMRO. The limit is also indicated on your monthly

statement.

If you want to change the spending limit on your ABN AMRO

Professional Card, please contact ABN AMRO Bank on phone number

0900 - 0024 (EUR 0.10 per minute in the Netherlands)

what you need to know about your ABN AMRO Professional Card

paying with your ABN AMRO Professional Card

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Paying with your ABN AMRO Professional Card You can use your ABN AMRO Professional Card to make payments

anywhere in the world, at over 25 million outlets. You will recognise

the locations at which you can use your credit card by the

MasterCard logo, which is also displayed on the front of your

credit card.

MasterCard is accepted worldwide and the MasterCard logo is recognised everywhere. You therefore always have the right ‘money’, wherever you are.

The procedure for paying with your ABN AMRO Professional Card using signature or PIN is as follows1. Make sure that you never let your credit card out

of your sight.

If you hand over your card, accompany the sales assistant

or waiter to the cash register.

You may be asked for proof of identity when making a payment

by credit card.

2. The recipient or shopkeeper may request authorisation

for the payment.

This authorisation will be obtained via the terminal, telephone

or internet and is associated among other things with security.

If you have sufficient available credit and the card has not been

reported missing, the payment will be authorised.

3. Check the amount before you approve payment with

your signature or PIN.

In future you will increasingly make payments using your

credit card’s PIN. If the recipient or shop does not yet use

the PIN method, you will be required to approve the payment

by signing the transaction slip.

what you need to know about your ABN AMRO Professional Card

paying with your ABN AMRO Professional Card

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4. You will be given a copy of the transaction slip.

Keep this. On your monthly statement you will find the details

of all transactions: amount, date and location. You can also

view this via Credit Card Online.

Keep the transaction slips that you receive when paying with your

credit card. You can use them later to check your monthly statement.

They can also be used as evidence if required.

Paying on the internet or by telephone Your ABN AMRO Professional Card is ideally suited for making

purchases on the internet or by telephone. In addition to your

credit card number, you will also be asked for the expiry date and

the Card Validation Code (CVC) when making a purchase. This code

is unique to your credit card and serves as an additional security

check. There is a number on the signature strip on the back of

your card. The last three digits of this number are your CVC code.

Your CVC-code

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Paying abroad Your ABN AMRO Professional Card offers you the facility of

convenient payment at approximately 25 million addresses

worldwide. In most cases payment with your ABN AMRO

Professional Card is free of charge. An exchange rate supplement

applies to purchases in foreign currencies. You will find further

information about charges at abnamro.nl/tarieven

No deposit Your ABN AMRO Professional Card is ideally suited for hiring a car

or boat. In most cases you will not have to pay a deposit if you are

paying by credit card. In many countries it is in fact impossible to

hire a car or boat without a credit card.

Your CVC-code

11Paying with your card

Withdrawals from cash dispensers You can use your ABN AMRO Professional Card to make cash

withdrawals from any of more than 900,000 cash dispensers

worldwide. You will always need your credit card’s PIN for this

purpose. The maximum daily withdrawal from a cash dispenser

may vary from country to country, but is usually around EUR 400.-

at a time, with a maximum of two withdrawals a day (provided

that your spending limit is sufficient).

Costs are charged for cash withdrawals.

Forgotten your PIN? Call ABN AMRO Credit Card Services on +31 (0)342 - 429 004 to re-request your PIN.

Withdrawals from banks In many countries banks will allow you to withdraw cash at the

bank’s counter using your credit card and valid identification. This

is usually possible up to a limit of EUR 10,000 provided that your

spending limit is sufficient, but this amount may vary by country

and bank. Costs are charged for withdrawing money at the counter.

Bear in mind that the bank concerned may also charge a fee.

Cash dispensers and banks at which you can withdraw money using

your credit card are identified by the MasterCard logo. You will find

further information on rates at abnamro.nl/tarieven

cash withdrawals with your ABN AMRO Professional Card

monthly statement for your ABN AMRO Professional Card

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Monthly settlement When you use your ABN AMRO Professional Card the account will

be settled monthly by direct debit. The date of the debit is indicated

on your monthly statement.

Monthly statement on paper Every month you will receive a clear statement itemising all

transactions. You can also see on your monthly statement what

your spending limit is and how much of that limit is still available.

Use of an ABN AMRO Professional Card makes your financial accounting much simpler.

cash withdrawals with your ABN AMRO Professional Card

monthly statement for your ABN AMRO Professional Card

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Examine your transactions onlineYou can check all your transactions since your latest monthly

statement in real-time at abnamro.nl/professionalcard. You can

also check all your previous transactions going back up to seven

months. And you can verify your limit and the credit amount still

available.

If you have any questions about your transactions or your monthly

statement, please call ABN AMRO Credit Card Services on:

+31 (0)342 - 429 004. This number is also shown on the back of

your credit card.

14 Monthly statement

Tips for safe use of your ABN AMRO Professional Card

1. Before you start using your ABN AMRO Professional Card,

place your signature in the strip intended for this purpose

on the back of the card.

2. Memorise the PIN and destroy the letter disclosing the PIN.

3. If desired, change your PIN to a combination that is easy

for you to remember.

4. Do not let your credit card out of your sight. When you

make a payment accompany the sales assistant to the

cash register.

5. Check the amount before you approve a payment with

your signature or PIN.

6. Never disclose your credit card number unnecessarily.

You should only do so when making a purchase or

a reservation.

Payments made using your credit card PIN are even more secure.

You can read more about this at the beginning of this brochure.

security & checking of your ABN AMRO Professional Card

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In principle no cardholder’s liability in the event of loss or theftIf you discover that your ABN AMRO Professional Card has been

lost or stolen, you must report this immediately to ABN AMRO

Credit Card Services on +31 (0)342 - 429 004. As soon as you

have reported the loss or theft your credit card will be blocked

immediately. If you relocate your old credit card after reporting

it lost, it is no longer valid. You should destroy it by cutting through

both the chip and the hologram. If your credit card is lost or stolen,

always report this to the police, including when you are outside

the Netherlands.

Quick replacement credit card If you lose your ABN AMRO Professional Card while abroad or if

it is stolen, you can make use of the Emergency Card Replacement

Service. You will receive a replacement credit card within 48 hours

(depending on the local circumstances). This credit card will not

have a PIN and will automatically be replaced by an ABN AMRO

Professional Card after three months. Charges are made for the

Emergency Card Replacement Service.

16 Security

Purchase protection insuranceVirtually all purchases that you make using your credit card,

anywhere in the world, are insured for six months (180 days)

after the date of purchase against loss, theft or damage.

A good reason to pay for all your purchases using your

ABN AMRO Professional Card.

Card Insurance: free travel cover package The Card Insurance gives you three types of insurance for mishaps

or emergencies while travelling:

▶ Flight delay insurance

If your flight departs more than four hours late, any expenses you

incur for meals will be refunded up to a maximum of EUR 140.-.

▶ Luggage delay insurance

If your luggage arrives at your destination more than four hours

late, this insurance covers relevant expenses, such as clothing

and toiletries up to a maximum of EUR 140.-. If your luggage

has still not arrived after 48 hours, a further amount will be

reimbursed up to a maximum of EUR 410.-.

▶ Supplementary traveller’s accident insurance

In certain cases of invalidity resulting from an accident, or in the

case of death, this insurance provides for an additional one-off

payment. In the first case to you or in the case of your death,

to your legal heir.

Card Insurance applies on condition that you are travelling.

A journey commences at the time you leave your home and

ends as soon as you are back there. You can only benefit from

this insurance package if you pay for the trip and your travel

expenses with your credit card.

insurance

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Card Support: assistance in the case of emergenciesThis free service offers you assistance and advice in the event

of unforeseen situations, such as loss or theft of travel and other

documents, personal injury, illness or death.

Card Support offers you support in the case of:

▶ Medical transport

▶ Cash advances

▶ Unexpected return to the Netherlands

▶ Repatriation in the event of death

▶ Legal assistance outside the Netherlands

▶ Medical information

▶ Visit from the Netherlands

▶ Tracing and rescue

If you believe you are entitled to claim under any of these insurance

categories or if you would like to receive a copy of the policy conditions,

please go to abnamro.nl/professionalcard

the extras with your ABN AMRO Professional Card

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Simple reclaiming of your foreign VAT with the VAT Reclaimer ServiceWith the VAT Reclaimer Service you can easily reclaim VAT

that you have paid outside the Netherlands.

How does it work?

▶ Register yourself online at

abnamro.meridianglobalservices.com

▶ You will receive a confirmation email with a copy of the contract

and a summary of the steps to be taken.

▶ You should sign the contract and return it to Meridian.

▶ You will then receive instructions for registering with

the Dutch tax authorities at the foreign VAT portal.

▶ Register with the tax authorities’ VAT portal.

▶ After two weeks you will receive a reminder to authorise

Meridian to reclaim foreign VAT on your behalf.

Once you have completed these steps you can start using the

VAT Reclaimer Service. You will receive periodic emails reminding

you to send your receipts in to Meridian. These emails will also

indicate what can be reclaimed and what deadline Meridian applies

for submission of the receipts. These reminders are sent at various

times of the year. You may submit your receipts throughout the

year, but you have to have sent in all your receipts by September

in order to be able to reclaim the VAT for that year. The receipts

for the months October, November and December are processed

in the following year. If the date for submission of the receipts

changes, Meridian will advise this in advance of such change.

the extras with your ABN AMRO Professional Card

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You will find further information at: abnamro.nl/professionalcard

ABN AMRO is not liable for the service provided by Meridian

The Regus Businessworld Gold Card free for a year!After registering you can use the business lounges in any of the

1,100 Regus centres in the Netherlands and abroad for one year.

As a professional you not only need optimum payment

convenience, but also a professional work location that you can

use whenever you want to. We are therefore pleased to offer you

the Regus Businessworld Gold Card. This gives you a year’s free,

unlimited access to the business lounges at the many Regus

centres. The business lounges offer the perfect business

environment in which to work and network in comfort. After

the first year you are given the opportunity to extend your card

on a chargeable basis. If you choose not to do so, the facility

automatically ceases. To obtain the Regus Businessworld

Gold Card you can register at: regus.nl/abnamro. After entering

your particulars you will immediately receive a confirmation email.

This email is your temporary access pass to all Regus locations,

until you receive your Regus Businessworld Gold Card at your

home address.

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Regus Businessworld Gold Card offers you the following

benefits:

▶ Unlimited access to the Regus business lounges or cafes

worldwide, with free internet, coffee and tea.

▶ 10% discount on meeting space, video conferencing and

office space.

▶ The presence of professional administrative support. This can

be hired (on a chargeable basis) for packing and shipping

packages or printing and binding documents, for instance.

ABN AMRO is not liable for the service provided by Regus

Exclusive offersAs an ABN AMRO Professional Card holder, you will regularly

receive exclusive offers via the internet, specially selected for you.

Check regularly at abnamro.nl/professionalcard for these

exclusive offers.

21The extras with your card

What to do in the case of loss or theft? ▶ Report loss or theft of your credit card immediately to

ABN AMRO Credit Card Services on 0342 - 429 004 (local rate

in the Netherlands). If calling from abroad: +31 342 - 429 004.

▶ Always report loss or theft of your credit card to the police,

including when you are abroad. Keep a copy of the

police report.

Ensure that you have made a record somewhere of your credit card number and the telephone numbers on the back of your card so that, in the event of loss or theft, you can give your details to the police and ABN AMRO.

Don’t agree with a payment? If you don’t agree with a payment indicated on your monthly

statement, contact ABN AMRO Credit Card Services immediately

on 0342 - 429 004. If calling from abroad: +31 342 - 429 004.

You will then receive a form on which you can dispute the

payment.

A request for a payment to be recredited should have been

received by ABN AMRO in writing not later than 30 days after

the date of the monthly statement.

The payment can be recredited, after which ABN AMRO Credit

Card Services will investigate the matter. If it emerges that the

payment should not have been corrected, it will be charged again,

plus any costs that may have arisen.

what to do if...

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ABN AMRO Credit Card Services+31 (0)342 - 429 004 (local rate in the Netherlands), for

questions about your credit card and for reporting loss or theft

of your credit card.

Address ABN AMRO Credit Card Services

Postbus 68

3870 CB Hoevelaken

Netherlands

abnamro.nl/professionalcard

ABN AMRO general 0900 - 00 24 (EUR 0.10 per minute, 24 hours a day, 7 days

a week), for questions about any other ABN AMRO products

or services. If you are abroad, call: +31 10 - 241 17 20.

abnamro.nl/zakelijk

what to do if...important

telephone numbers

No rights may be derived from the contents of this publication.Subject to change without notice.

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ABN AMRO Creditcard Services+31 (0)342 - 429 004 (local rate in the Netherlands)abnamro.nl/professionalcard