VISA BUSINESS CREDIT CARD

Application is submitted at the Bank's counter by a person authorized to represent a legal entity/ an entrepreneur, along with accompanying documentation. In order for the application to be approved, the legal entity/entrepreneur must have a current account with the Bank and an approved loan based on the Application for Issuing a VISA Business Card and accompanying documentation.

The number of business credit card users is practically unlimited, and the person authorized for representing the legal entity/entrepreneur determines who will use the card, as well as the total monthly spending limit for each user.

VISA business credit card, travel health insurance card and PIN can be collected at the branch counter. Card is collected by the person authorized to represent the legal entity/entrepreneur after conclusion of the contract and submitting the collateral (two blank solo bills of exchange).

The card is inactive at the time of collection and cannot be used. It is activated automatically the following day after 12:00 and can only be used after this time.

In order to make a payment for goods and services, withdraw cash or make a payment without the presence of a card (online, orders placed by phone, e-mail, etc.), the following is required:

• Sufficient funds available within the loan granted to the client,
• Sufficient funds available within the monthly limit on that card, and
• Sufficient funds available within the daily limit on that card.

Otherwise, the transaction will be declined.

A person authorized to represent a legal entity/ an entrepreneur can request from the Bank to change the monthly and daily limits.

Postal Savings Bank calculates transactions made abroad in RSD and debits the client's credit account for that amount. The entire amount of the debt is charged once a month by debiting the RSD current account of the legal entity/entrepreneur, by the 5th day of the month for debt incurred in the previous month.

Postal Savings Bank has provided the Verified by VISA (VbV) service, which provides the highest level of protection against unauthorized use of card data when making online payments.

High level of protection is achieved thanks to the following features:
• Payment is made on the merchant's website that has the Verified by Visa logo prominently displayed;
• During the online payment process, a page with Postal Savings Bank logo is displayed requiring a password;
• Along with displaying this page, the Bank will send you a one-time password via SMS message to your mobile phone number registered with the Bank;
• Password is a combination of capital letters and numbers;
• Verification of the entered password is performed by the Bank; online payment process continues only if the correct password is entered.

Bearing in mind that the password is sent via SMS, we kindly ask VISA business card users to check their mobile phone number registered with the Bank by calling the Contact Center at +381 11 2020292 or visiting a branch.

Registration or change of mobile phone number, as well as change of the daily limit for online payments, can be done by the card user only at a Bank branch.

Please note that clients who use the CardAlarm service receive SMS messages with a password to the same mobile phone number to which CardAlarm transaction notifications are sent, and that the sender of both types of SMS messages is the same - POSTED.

Travel health insurance card is a document based on which the user exercises his/her right to travel health insurance, and which is valid in the period indicated on the card.

Insurance is provided during travel and stay abroad for the purpose of necessary assistance in connection with the organization of the insured person's treatment, necessary treatment, transportation to a health facility or the country of residence, which is the result of a sudden illness or injury of the insured person. The contract was concluded in accordance with Travel Health Insurance Terms and Conditions and valid regulations of the Republic of Serbia.

The agreed participation of the insured person in damages (deductible) is 5% (min. EUR 50) per harmful event.

Geographic coverage: insurance coverage is valid in the territories of all European countries, including Turkey, with the exception of Russia.

The agreed insured amount is EUR 35,000, it is stated on the card - travel health insurance policy and represents the upper limit of the Insurer's obligation per insured person for the agreed insurance period. Individual sub-limits for the contracted level of coverage, which are determined in Travel Health Insurance Terms and Conditions, are contained in the contracted insured sum and do not increase the maximum obligation of the Insurer determined by the contracted insured sum, indicated on the card - policy.

The total daily limit for ATM cash withdrawal is RSD 50,000.00 per card.

In case of lost or stolen VISA business credit card issued by Postal Savings Bank, joint stock company, please contact the Bank's Contact Center at phone number 011/20 20 292 or visit the nearest Bank branch.

Complaints about transactions must be submitted to Postal Savings Bank exclusively in writing, no later than 15 days from the statement date.

Additional information can be obtained at the Bank's counter, by calling the Contact Center at phone number 011/ 20 20 292 or by sending an email to: kontakt@posted.co.rs