The flexible credit card

• Are you a private individual aged 18 or over? Are you resident in Belgium? You do not even need to have an ING current account to benefit from the flexibility of an ING Card credit card.

• Management fees: Your ING Card credit card costs €27.00 a year. If you are under 26, you only pay half of this price: €10.00 per year. Are you under 26 and still a student? You can apply for a credit card with a limit of €500. Your card will be entirely free for the first year and will cost only €10.00 per year thereafter.
• Payments: All your payments in the SEPA zone are free (hotels, restaurants, shops, super markets etc). The SEPA zone refers to all the countries that have chosen the euro as the single currency. Outside this zone, your payments incur a fee of 2.00%.
• Cash withdrawals: To withdraw cash in euro from ATMs, you pay a fee of 6.00 euros + 1% of the amount withdrawn. To make cash withdrawals in euro at bank branches, you pay a fee of €8.00 + 1% of the amount withdrawn. Outside the euro zone, you pay a foreign exchange margin of 2.00% of the amount withdrawn.
• Replacement card : free in case of defect, 9.99 euros in the event of loss or theft.
• Increase limit : free online. 5 euros for a Lion Account holder when update requested at the branch counter, otherwise it is free.

• Secure online shopping from start to finish: thanks to Mastercard^® SecureCode™ , you can pay securely with your credit card in participating online retailers, 24 hours a day. For further details, go to www.ing.be/ingcardsecure.
• Total payment freedom when you travel abroad: are you planning a trip abroad? ING automatically activates your credit card for international use, which is not the case with all banks. This means you have no action to take. Your credit card is not restricted to any particular region, so you have the freedom to make payments and withdraw cash in any country, completely securely.

As the holder of an ING Card credit card, you have 3 types of free insurance.

• The buyer's guarantee: purchases you make with your ING Card credit card are covered against accidental damage, street robbery and burglary (for a period of 200 days after payment has been made and up to a limit of 3,000 euros per claim and per year).
• Individual items with a cost of 50 euros or more (inclusive of VAT) are also covered, providing they were paid for in full with your ING Card credit card.
• Internet purchase delivery cover: this insurance protects purchases you have made online with your ING Card credit card. The policy can be triggered if your order is not delivered within 30 calendar days of the first payment, or if the item or service ordered does not match that described on the order form (up to 30 calendar days following the first payment and a limit of 750 euros per claim and per year).
• Individual items with a cost of 50 euros or more (inclusive of VAT) are also covered, providing they were paid for in full with your ING Card credit card.
• Travel accident insurance: this covers trips that you make using passenger transport (by air, road, rail, , etc.) or a rental car that are paid for in full using your ING Card credit card. This insurance only covers international travel for a maximum of 60 consecutive days. You are insured for a maximum of 100,000 euros in the event of your death or permanent disability. You are entitled to additional compensation worth up to 30,000 euros to cover investigation, rescue and repatriation costs.

Go to the Self Service ING Card to find all the information you need to submit your claim form correctly.

• View your balance at any time and manage your ING Card credit card settings yourself, via Home'Bank or ING Smart Banking for smartphone.
• Sending money in euro (SEPA) to an ING current account of which you are holder or joint holder whenever you need to. For example, you can easily send money into your own current account to pay your bills. The funds will be credited to your chosen account within 2 working days at the latest.
• Pay back your expenses either in one single payment or several monthly payments, the choice is yours! The ideal solution for a more flexible budget!

• Repay the full amount used in one go. There is no interest to pay if you do this before the fifth of the month after you have received your statement.
• Spread out your repayments: repay 10% of the total amount of your expenditure, paying a minimum of 25 euros each month. The only requirement is that the amount owing on your ING Card credit card be paid back in full before a certain date, which is defined by law. The balance of your ING Card credit card must, in other words, be 0 or higher for at least 24 hours before this date. You can find the due date and amount of this repayment on your monthly credit card statement. Debtor interest is charged on the balance still to be repaid (variable rate according to the amount of your credit limit).

• Set the limit on your spending. The standard monthly spending limit is set at 2,000 euros. You can ask for this limit to be increased at any time in an ING branch. If you would like to temporarily increase this limit, for example during your holiday, you just need to transfer the required funds to your ING Card credit card account, which will become available within 2 working days at the latest.

Block immediately your credit card online via Home'Bank or Business'Bank or call Card Stop on +32 70 344 344 (0.30 euro/min) . You will receive automatically a new credit card at your home.

The ING Card is a Mastercard credit card combined with an arranged overdraft facility linked to an ING Card account and is intended for private use by private individuals of legal age. The General Terms and Conditions of the ING Card credit card are available at all ING branches and on www.ingcard.be. ING Belgium also offers a card without a credit facility subject to the consumer credit law and/or an arranged overdraft without a credit card. Please enquire at an ING branch. Offer subject to acceptance of your file by ING Belgium and to mutual agreement. Your application for providing an ING Card credit card via www.ing.be is valid subject to acceptance by ING Belgium and does not bind you as long as you have not signed the ING Card contract at your ING branch (subject to prior acceptance of your file by ING Belgium). ING has taken out insurance policies for its ING Card customers with

• Allianz AWP P&C S.A.- Belgian branch, 32, Boulevard Roi Albert II, 1000 Bruxelles. Register of Companies 0837.437.919. Insurance company under FSMA-number 2769.

For details of the conditions, exclusions and limitations of the aforementioned insurance, please see the General Terms and Conditions of your ING Card credit card in any ING branch and at www.ing.be.