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Visa GoldPrivileges and Benefits Every Cardholder Deserves

Audi RewardsWhere Every PurchaseYou Make Takes You Further

You will be automatically enrolled in “Audi Rewards”, our program which allows you to accumulate points and redeem them against exciting gifts ranging from airline tickets to a large variety of rewards available on rewards.bankaudi.com.lb

Earning RewardsYou will earn 1 Audi Rewards point for every USD 10 / LBP equivalent of 10 USD spent on your card. The more you use your card, the more points you accumulate.

Redeeming Points You can redeem your points against flight tickets or a large array of items from the Audi Rewards, Kids Rewards or Travel Rewards.

All you need to do is download the “Audi Rewards” app on your mobile or visit rewards.bankaudi.com.lb to choose your gift, add it to your shopping cart, and press submit.

Worldwide Lounge Access (Full Option cards only)

You can enjoy charged access to a greater number of VIP airport lounges by using your Priority Pass card that you have received with your Bank Audi Visa credit card.

Priority Pass membership grants you access to more than 900 lounges in 500 cities around the world, including the Cedar Lounge in Beirut-Rafic Hariri International Airport and other VIP airport lounges. Just present your Priority Pass membership card at the lounge and you will be granted access against a fee* per visit and per cardholder.

For more details about the VIP lounges under the Priority Pass membership, please download the Priority Pass app on your mobile or visit prioritypass.com

* All charges related to Priority Pass are available in the Key Fact Statement. Please visit bankaudi.com.lb/customer-protection

The World of Exclusive Travel and Lifestyle Benefits

Travel BenefitsAgoda.com

Enjoy up to 12% discount at over 985,000 hotels and vacation rentals worldwide throughagoda.com/visamena Remember that the discount applies only to properties listed as “Promotion Eligible” when booking through agoda.com/visamenaFor more information, download the Visa Explore app on your mobile or go to visamiddleeast.com and set your country as Lebanon and your card type as Visa Gold.

Terms & Conditions apply.

Hotels.com

Use your Bank Audi Visa Gold credit card to book your hotel stay on hotels.com/visa and enter promo code “VISA8” to benefit from an 8% discount* on your hotel booking.

* Subject to availability.

For more information, download the Visa Explore app on your mobile or go to visamiddleeast.com and set your country as Lebanon and your card type as Visa Gold or you can always check bankaudi.com.lb/personal-banking/cards/visa-offers.

Terms & Conditions apply.

Avis car rental offers

Simply visit avisworld.com/visa to benefit from the special discounts below:

- Up to 20% on standard rates- Up to 10% on international leisure rates

Offer not valid on domestic rentals.

For more information, download the Visa Explore app on your mobile or go to visamiddleeast.com and set your country as Lebanon and your card type as Visa Gold or you can always check bankaudi.com.lb/personal-banking/cards/visa-offers.

Terms & Conditions apply.

Lifestyle Benefits

Music streaming with Anghami

Get more out of your Anghami Plus membership with your Bank Audi Visa Gold credit card.

Get up to 4-month free Anghami Plus membership per year when paying with your Bank Audi Visa Gold card. You will get the first month of Anghami Plus membership free of charge, and an additional month free of charge for every 2 consecutive paid months.

All you need to do is go to anghami.com and select the Visa offer. Sign up if you are using the service for the first time, or log in using your Anghami account. Enter your Bank Audi Visa Gold card details, as recurrent payment mode, and enjoy unlimited online and offline music streaming.

For more information, please download the Visa Explore app on your mobile or go to visamiddleeast.com and set your country as Lebanon and your card type as Visa Gold or you can always check bankaudi.com.lb/personal-banking/cards/visa-offers.

Terms & Conditions apply.

Other local and international lifestyle benefits are also available.

Peace of Mind (Full Option cards only)

Should you run into an unfortunate situation while abroad, your Bank Audi Visa Gold Travel Insurance and Inconvenience benefits would compensate you for medical care or emergency assistance through LIA insurance sal, provided that you have bought your ticket with your Bank Audi Visa Gold credit card. Benefits include:

- Travel Inconvenience and Emergency Travel Assistance covers inconveniences such as baggage loss. Policy Terms & Conditions apply.

- Travel Medical Insurance includes Personal Accident Insurance, Emergency Medical Evacuation and Repatriation, Medical Emergency Expenses, and Daily in-hospital cash benefit, for you and your immediate family members (including spouse and children as defined in the coverage policy).

Disclaimer:Bank Audi is not the product issuer (insurer) of these policies and neither it nor any of its related corporations guarantee any of the benefits under these Policies. Accordingly, Bank Audi does not undertake any insurance business or acting as an insurer, insurance broker, insurance advisor or insurance agent. Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to sell/purchase any products/services of Bank Audi/third party and is not intended to create any rights and obligations. The insurance program is meant solely for providing services to Bank Audi’s customers and there is no direct or indirect linkage between the provisions of the banking services offered by the Bank to the cardholders and the insurance company. Bank Audi does not receive any commission or remuneration in relation to these benefits. Neither Bank Audi nor any of its related corporations are authorized representatives of the insurance company or any of its related companies. If a person wishes to claim these benefits, they will be bound by the definitions, terms and conditions, exclusions and claims procedures of those Policies issued merely by the insurance company. Bank Audi shall not be liable or responsible for any loss, claim or shortfall resulting from third party’s/insurance company’s products/services.

Purchase Protection (Full Option cards only) Enjoy extra peace of mind, as anything you buy with your Bank Audi Visa Gold credit card is protected against theft or accidental damage, subject to meeting Policy Terms & Conditions.

Applicability:- Full purchase must be made with your Bank Audi Visa Gold card- New item purchases only- Other Terms & Conditions regarding coverage scope and period, and

claim reporting deadlines are detailed in the policy

The information contained in this document is correct at time of going to print (April2020).It can be changed without prior notice.

At your service...- Visit our website bankaudi.com.lb - Write us to contactus@bankaudi.com.lb- Call us on 1570 or (+961 1) 21 21 20

To learn more about our services’ features and conditions, including this product, kindly visit bankaudi.com.lb/customer-protection

Financial Benefits You can enjoy:- Up to 45-day interest free credit (provided that you continue to pay your outstanding balance in full, by the due date).- Flexible payment options through the choice of paying as low as 5% of the statement’s outstanding balance every month.

Payment options:1. By direct debit from your Bank Audi account2. By direct debit domiciliation on a non-Bank Audi account in Lebanon 3. Via our wide network of ITMs 4. Via transfer through Audi Online and the Bank Audi mobile app 5. Via phone call on 1570 or 01/212120 where you will be assisted by an agent

AccessibilityYou can stay updated on all your card spending and payment details based on your preferred communication channel:

- Instantly through accessing the Card Details section on Audi Online or the Bank Audi mobile app.

- Through our SMS Pull service available on 03/000737 from you card’s registered phone number (providing features like card activation, balance inquiry, point balance, monthly due payment and last transaction summary).

- Alternatively, via calling our 24/7 Contact Center on 01/212120 or 1570 where a trilingual team of highly experienced agents is glad to assist you.

24/7 SecurityWhether you are shopping online or physically at the store, your security is our top priority.

- Bank Audi SMS Alerts will keep you updated on all transactions happening on your card(s).

- Your account will be monitored for fraud and if any suspicious activity occurs, we take appropriate action, like contacting you to validate the transaction and prevent potential fraudulent activities.

- 3D Secure minimizes fraud risk and helps secure your online transactions. This service offers enhanced protection while shopping with most online merchants that are Verified by Visa.

BASAL/Visa Gold BG/01/April2020

Bank Audi salPlaza Building - Omar Daouk Street - Bab Idriss - Beirut, Lebanon