Division

Subject: Lebanese Students in Italian Universities.

Dear Student,

Bank of sal would like to inform you that your Euro cards are accepted at all Points of Sales in and on any ATM for Cash withdrawals. It is important to know that Points of Sales purchases are not charged while Cash withdrawals are charged with Cash Transaction fees.

Your card will be credited with Euros 550 monthly The required monthly amount from the Italian Embassy is Euros 500 The excess money will be used to cover the cash transaction fees applied by Italian .

1- Upon receiving the card keep all the related documents with you (you will need the data of these documents to access your account on line) 2- Before travelling to Italy you have to make sure that you can access your account on line (transaction report as per previous day)

3- Once you get a mobile phone in Italy, inform of Beirut sal by sending an e-mail to [email protected] & tetr@bankofbeirut.,com in which you will put your name + card number + the mobile number so that we can send you a sms of all transactions on your card to your Italian number

4- Any Italian bank will charge you on retrieving Cash Money, these fees are to be deducted from the monthly transferred amount this is why Bank of Beirut sal will transfer Euros 550 every month so you can withdraw Euros 500 and cover the cash transaction fees expenses.

5- Ultimately at the end of period in your card if there will be an excess of money being the difference between the Euros 550 we are sending minus your withdrawals and cash fees. This excess is your right and you are entitled to spend it with your card.

6- Finally for any inquiry you can contact Bank of Beirut sal by sending an e-mail to [email protected] or call our call center at 961 5 955 262 stating your full name (Name + father’s name + family name) + your card number + your complaint or your inquiry and we will be happy to assist you.

Thérèse EL-ETR BOURJEILY Head of Retail Projects & Sales Dpt Retail Banking Division