Help to prevent climate change – by using Switzerland’s first climate-friendly credit card! The Swiss Business Club invites you, as you want to make a personal contribution to a greener world to order a climate-friendly credit card! All Swiss Business Club members receive an exclusive 20 CHF - start credit!

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Climate Credit Card.
Travel, shopping, living –
And caring for our climate, each
Experience Switzerland’s first
climate-friendly credit card.

2. Your Climate Credit Card at a Glance.
Favorable conditions
Annual fee, Principal Card CHF 100
Annual fee, Additional Card (purchases paid by Principal Cardholder)
CHF
50
2,5 %
Cash withdrawal Commission in and outside Switzerland, min.
6
– Withdrawals at ATMs CHF
– Withdrawals at bank counters CHF
10
Purchases in foreign currencies
Retail exchange rate of Cornèr Bank Ltd. on the booking date plus foreign currency processing fees of no more than
0,9%
25 days
Monthly statement due date from the date issued, within
Installment plan
You choose whether to pay the due balance in full or to pay in monthly installments of at least 5 % or CHF 100.
15 %
Annual interest rate, not exceeding
Credit permitted only if not leading to overindebtedness (Art. 3, par. n, UWG)
Liability in the event of loss or theft of the card
0
If full compliance with all obligations of due diligence CHF
Replacement card
Immediate replacement of Card and emergency cash advance of CHF 1,000 within 48 hours in the event of loss or theft CHF
20
Bank account with Cornèr Bank Ltd. not required
Complete climate compensation
All of your purchases made with the Climate Credit Card are climate-neutral. no charge
Instant Access to Card Data
Onlineaccess (included as standard)
free
Card management at the click of a mouse and added security on the Internet
Cornèrcard App (optional)
Access to your card data anytime and anywhere
Available for smartphones and tablets
free
Mobileaccess (optional)
More security and control via your cell phone
free
– Security Check: notification on suspicion of misuse
– Shop Info: automatic notification with purchases Per SMS CHF 0.50
– Balance or transaction inquiry
Per SMS CHF 0.80
Cutting-Edge Technology
Chip technology and PIN function
Your credit card is fitted with a state-of-the-art microprocessor chip. This chip conforms to the internationally applied EMV standard for the security of
payment cards.
The card as an admission ticket: (all bookings are made through libertyaccess.ch)
Make bookings for sports or cultural events with your Climate Credit Card from the comfort of your home.
Useful Services
Travel Accident Insurance*­­­­­ no charge
When traveling by public transportation, you and your relatives are insured automatically
against travel accidents or delayed/lost luggage
Maximum coverage
– in the event of death or permanent disability CHF 300,000
– for rescue and repatriation costs CHF 60,000
– delayed/lost luggage, for replacement purchases using your Climate Credit Card CHF 3,000
Purchase Protection Insurance* no charge
Worldwide 30-day coverage in the event of theft, damage and destruction
of purchases made by you with Climate Credit Card at merchant locations or online
per claim, max. CHF 2,000
Claim amount per year, maximum CHF 5,000
Legal Protection Insurance* no charge
Helps with disputes related to purchase – worldwide and online
Worldwide legal protection for claim settlement or refund, but not exceeding CHF 50,000
Travel Insurance (optional)*
Worldwide coverage for unlimited number of journeys per year.
Includes cancellation charges, travel assistance and deductible waiver for car rentals
per year CHF
35
Individual coverage, max. CHF 10,000 per person and event
per year CHF
49
Family coverage, max. CHF 10,000 per person/CHF 40,000 per event
Flight Accident Insurance (optional)*
Coverage in addition to Travel Accident Insurance
maximum benefit in the event of death or permanent disability CHF 500,000
per year CHF
45
Payment Protection Insurance (optional)
Financial stopgap assistance with balance coverage in the event of accidental loss of employment,
temporary full incapacity to work, death or permanent disability.
Coverage: maximum CHF 10,000 per event
0,49 %
Monthly premium based on due balance of monthly statement
Private and Motor Legal Protection Insurance (optional)
Effective support worldwide and expert assistance in the event of legal disputes
per year CHF 175
Individual coverage, max. CHF 250,000 per event**
per year CHF 230
Family coverage, max. CHF 250,000 per event**
*
Applies only if payment was made with the Climate Credit Card
** HF 50,000 outside EFTA/EU
C

3. Application
Important: Please print, complete in full and return.
Yes, I wish to sign up for climate protection. Please find my order below (CHF 100.00):
03/141/432
22/141/178
Exclusively for all Swiss Business Club
members: CHF 20 sign-up bonus credit!
Climate Credit Card Visa
Ref. 1315297816606
Contatto: 24L
SC: S4002
Climate Credit Card MasterCard
Ref. 1315297996800
Contatto: 24L
SC: S4002
1. Personal
My name is to appear on the Card as follows (First name/Last name):
(max. 20 characters incl. spaces; no umlauts/accents)
Mr
Ms
Correspondence in
D
F
I
Last name
First name
Street/No.
ZIP code/Place
Address since
Place of birth
Date of birth
Telephone (home)
Mobile telephone
E-mail
Nationality
Civil status
(required)
Number of minor children
For foreign nationals: Residence permit
(Please enclose copy)
C
B
G
L since
In Switzerland since
2. Occupation/Financial
Employee
Self-employed
Retired
In training
Employer
since
Occupation/position
Telephone
Address
Gross annual income CHF
Own
Rent
Home
(mandatory in compliance with Art. 30 KKG)
Annual living expenses CHF
Direct debit
for payments made directly via your Bank
3. Additional Cards
Yes, I wish to apply for a Climate Credit Card additional card, with joint and several liability, for the following person living
in the same household:
Spouse
Partner
Daughter/son
(minimum age: 16)
I am already the holder of a Principal Card No.
The name on the Card is to appear as follows (First/Last name):
(max. 20 characters incl. spaces; no umlauts/accents)
Mr
Ms
Last name/First name
Date of birth
Nationality
Mobile telephone
Place of birth
E-mail
4. Optional Features
Principal Card
Onlineaccess (E-mail address required) free (M48)
Mobileaccess (Mobile telephone number required) CHF 0.20-0.50/SMS (A19)
Travel Insurance: Individual coverage Annual premium: CHF 35 (O97)
Travel Insurance: Family coverage Annual premium: CHF 49 (O97)
Payment Protection Insurance 0.49% of due balance as shown on monthly statement (O96)
Flight Accident Insurance (individual coverage) Annual premium: CHF 45 (O99)
Additional Card
Provisions for Optional Insurance Coverage and
Scope of Application: Insurance benefits apply only as
set forth in the General Terms of Insurance (GTI) for
Payment Protection Insurance, for Travel Insurance,
for additional Flight Accident Insurance available for
review at www.cornercard.ch/e/gt and enclosed with the
letter of coverage confirmation.
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4. Application
5. Identification of the Beneficiary Owner (Form A pursuant to Sect. 3 and 4 CDB; must be completed)
Important: Must be completed!
As the Principal Cardholder/Card Applicant I hereby certify that the funds used to pay the due amounts shown on the monthly statements of the Principal Card
and/or any excess amounts paid to the issuer of such credit card are
solely mine
belong to the following person(s):
Last/First name (or Company), Date of birth, Place of birth, Nationality, Domicile, Country
For the Principal or Additional Card (if any)
As the Principal Cardholder/Applicant, I shall notify the credit card issuer of any changes. Deliberately providing false information on this Form is an offense
punishable by law (Art. 251 of the Penal Code of Switzerland, penalty for fraud: detention up to five years or fine).
6. For U.S. persons only (circumstantial evidence: green-card holder, citizen/resident/place of birth/other address in the USA)
As applicant of the principal card, I hereby confirm that I am to be qualified as a U.S. person within the purview of the legal provisions of the IRS (Internal
Revenue Service, U.S. Department of the Treasury).
7. Declaration
* I hereby certify the information provided in this Application to be accurate and acknowledge that I have received, understand and accept as binding the General Terms and Conditions
(GTC) for the Cornèrcard Visa and MasterCard Classic and Gold from Cornèr Bank Ltd., issued by Cornèrcard. I hereby authorize Cornèr Bank Ltd. to deny this Application at its
discretion. Upon approval of this Application, I will receive the Card(s) applied for, a copy of this Card Application with credit agreement, the complete GTCs (available online at www.
cornercard.ch/d/agb or by calling +41 (0)844 00 41 41) as well as my personal PIN. In addition, I will receive the General Terms of Insurance for those insurance plans included
automatically and at no charge with Cornèrcard Classic products or made available for purchase upon request. Any applicable premiums will be automatically charged to my Card. By
using and/or signing the Card, I acknowledge that I have received, understand and accept in full the complete GTCs (including the clauses of consent, transferability and confirmation
set forth in Art. 9 Par. 1,2,3 and 4) as well as all applicable Terms of Insurance. Annual fees, exchange rates and handling charges: Annual fee for Principal Card: CHF 100; annual
fee for Additional Card: CHF 50. Purchases made in foreign currencies will be posted at the retail rate of exchange of Cornèr Bank Ltd. in effect on the date posted plus a foreign currency
conversion fee of no more than 0.9 %. Cornèr Bank Ltd. is entitled to charge a handling fee of CHF 20 for each late notice and for each payment order (direct debit) returned on the
grounds of insufficient funds. Cash withdrawals are subject to a commission of 2.5% but not less than CHF 6 for withdrawals at ATMs and CHF 10 for withdrawals at bank counters.
Autorization: I hereby authorize Cornèr Bank Ltd. to use my e-mail address for its own marketing activities and to forward information about my personal data (last name, first name,
street, number, postal code, place, telephone number, e-mail address) and card data (Cornèrcard ID, bar code, expiration date) to South Pole Carbon Asset Management Ltd. (hereinafter
“South Pole Carbon”) or its third-party agents only in order to allow it to process specific CO2 compensation services as well as other South Pole Carbon services (electronic newsletter,
etc.) or to administer the Card. As the Principal Cardholder, I authorize the Additional Cardholder to apply at any time and independently for Mobileaccess, optional insurance or Priority
Pass for his own Card. CO2 compensation: I understand that each year, I will receive a certificate showing all CO2 emissions generated and offset due to my card transactions as well
as an ecological footprint listing individual CO2 emissions due to card use according to merchant categories. Cornèrcard compensates my CO2 emissions by purchasing corresponding
certificates from South Pole Carbon without charge to me. For more information on calculating CO2 footprints through the use of the Card, visit climatecreditcard.ch. Services by South
Pole Carbon: I hereby acknowledge and recognize that South Pole Carbon decides at its discretion which services (in the area of communication, etc.) it chooses to offer, if any. Booking
number access function: Bookings (for more information, please visit libertyaccess.ch and additional links) for the respective event or service, or access thereto and use thereof shall
be governed by the General Terms and Conditions of the event organizer or access partner. Cornèr Bank Ltd. shall not be held liable for the failure of the electronic booking number
function to operate properly at the respective point of access.
8. Signature
By signing I confirm that I have taken note of, and understood, the above information.
Place/Date
( )
* Signature of the Principal Card Applicant
Place/Date
( )
* Signature of the Additional Card Applicant
Important: Please also sign the General Terms and Conditions (page 3)
9. Please remember
to date and sign the Card Application
to indicate your annual income
to identify the Beneficiary Owner (complete Form A)
to enclose a copy of official ID (driver’s license, passport, ID card, alien permit)
to order the additional services for your Climate Credit Card (please check boxes)
Important: Please sign Card Application and the General Terms & Conditions. Return together with all enclosures to:
Cornèr Banca SA, Cornèrcard, Via Canova 16, 6901 Lugano
12.2013
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5. Excerpt from the General Terms and Conditions for Classic and Gold
Cards Visa and MasterCard of Cornèr Bank Ltd.
1. Use of the Card/Monthly statement/Liability
The Cardholder acknowledges the signed amount of a card transaction to be exact and expressly and
irrevocably authorizes the Bank to pay the amount to the affiliated merchant or authorized bank. The
Bank shall not be held liable for any transactions concluded by using the Card. The Principal Cardholder
shall be severally held liable for any obligations arising from the use of Supplemental or Additional Cards
even if statements are issued separately to the holders of such Cards.
2. Insurance mediation and data protection
I acknowledge that the insurer is liable for any errors, negligence or incorrect information in connection
with the insurance contracts provided. My personal data shall be treated as confidential. Cornèr Bank
Ltd. shall comply with the provisions of data protection legislation in the processing and storage of
personal data. Cornèr Bank Ltd. may commission third parties in Switzerland to process the card
application and to administer card relations and transactions where allowed under Swiss law and
subject to assurance of appropriate data protection.
Personal data made available in connection with the insurance may be forwarded to the insurers and
shall be processed by Cornèr Bank Ltd. and the insurers only for the purpose of concluding and
administering the insurance contract as well as processing a claim. Personal data may be disclosed to
authorized third parties and/or other Group companies of Cornèr Bank Ltd. for the purpose of
administering the insurance contract. Data may be transferred abroad if such third country provides for
equivalent data protection (recognized as such by Swiss data protection legislation). Personal data is
stored in electronic form and/or paper format. I hereby acknowledge that, under the data protection
legislation, I may be entitled to obtain information and, on certain conditions, to have certain data stored
at Cornèr Bank Ltd. corrected, blocked or deleted.
3. Applicable law and jurisdiction
All legal relations between the holder of a Principal, Supplemental or Additional Card shall be subject to
Swiss law. Subject to mandatory provisions of Swiss law, the place of performance, the place of special
proceedings for holders of a Principal, Supplemental or Additional Card domiciled abroad and the
exclusive place of jurisdiction for all disputes shall be Lugano. The Bank, however, also reserves the right
to take legal action against the holder of a Principal, Supplemental or Additional Card in the competent
court at his place of domicile or at any other competent court.
Credit Option Agreement
between Cornèr Bank Ltd., Via Canova 16, 6901 Lugano (hereinafter “Bank”) and the
Cardholder
1. Credit option/Interest
The credit option allows the holder of a Principal or Supplemental Card (hereinafter “Cardholder”) to pay
the due amount shown on the monthly statement in installments for transactions concluded after
expiration of the revocation period (see Art. 3 below). The Bank hereby is to receive the minimum
amount by the due date shown on the monthly statement, i.e. 5% of the entire balance but not less than
CHF 100. In the event the Bank has not received the due amount by the due date or such amount is less
than the minimum amount due, the Cardholder shall, without further notice, be deemed in arrears for the
entire balance with all of the legal consequences pertaining thereto. Such failure by the Cardholder shall
also cause the entire balance of any other statements for which the Cardholder is responsible to
become immediately due and payable. Any amounts over and above the spending limit must be paid
immediately. The annual interest rate due on outstanding amounts depends on the Cardholder’s
payment history but shall not exceed 15%. Any partial payments shall first be applied to the payment of
interest due.
2. Credit worthiness/Spending limit/Overall limit
The spending limit is based on the credit check and is notified to the Cardholder together with a copy of
this document and the credit card. Said limit shall be no more than 15% (for Classic Cards) or 20 % (for
Gold Cards) of the annual income or fraction thereof shown on the Card Application. As a rule, the
maximum amount is set at CHF 10,000 (for Classic Cards) and CHF 90,000 (for Gold Cards).
A credit check is conducted on the basis of the information provided by the Cardholder on the Card
Application. Such information is verified through inquiries made to the Clearing House for Consumer
Credit (IKO) and the Center for Credit Information (ZEK). Additional information may be obtained from
public authorities, employer or from the Cardholder›s banks.
The spending limit determined for the Principal Cardholder is to be understood as an overall limit for his
Principal and Additional Cards whereby the total of all card transactions must not exceed this overall
limit. Similarly, the spending limit determined for the Supplemental Cardholder is to be understood as a
combined spending limit for all his Supplemental Cards.
The Bank reserves the right to modify the spending limit at any time upon notification in writing to the
Cardholder. The Cardholder is to inform the Bank immediately of any adverse change in his financial
situation.
3. Revocation and Termination
The Cardholder has the right to revoke this Credit Agreement in writing within 7 days following receipt of
the duplicate of this document. The Bank is entitled to cancel in writing at any time the credit option by
giving a 30 days› notice. Furthermore, this Credit Agreement expires with the expiration of the Credit
Card Agreement.
4. Miscellaneous
Any amendments to this Credit Agreement must be made in writing. Also applicable are the General
Terms and Conditions for Cornèrcard Visa and Cornèrcard MasterCard cards of Cornèr Bank Ltd. made
available to the Cardholder together with a copy of the Card Application, the Credit Agreement as well
as the Card (may be viewed at www.cornercard.ch or ordered by calling (0)844 00 41 41.
Edition 01/2011
Legal Protection Insurance
on my Principal Card and, if applicable, any Supplemental Cards. Transactions carried out with any
Additional Cards are covered only to the extent insurance protection is provided for the Principal Card.
Policyholder is Cornèr Bank Ltd., insurers are AIG Life Insurance Company (Switzerland) Ltd, Via
Camara 19, 6932 Breganzona (death benefit) and AIG Europe Limited, London, Opfikon Branch,
Sägereistrasse 29, 8152 Glattbrugg (all other risks).
Claims can only be exercised against the insurance companies. The monthly premium
amounts to 0.49% of the outstanding balance shown on your monthly statement and shall be charged
to your billing unit directly.
Insurance protection covers the following risks:
1. Death due to illness or accident: Payment of insured outstanding balance pursuant to GTI up
to CHF 10’000 (gold card: CHF 40’000).
2. Temporary total incapacity for work: If incapacity for work lasts more than 60 consecutive
days, insurer will pay 10% of the insured outstanding balance per month up to CHF 1’000 (gold card:
CHF 1’500) pursuant to GTI.
3. Permanent total disability: Payment of the insured outstanding balance pursuant to GTI up to
CHF 10’000 (gold card: CHF 15’000).
4. Involuntary loss of employment: If unemployment lasts more than 60 consecutive days, insurer
will pay 10% of the insured outstanding balance per full 30-day period of consecutive unemployment
pursuant to the GTI. Payment will be made in no more than 10 monthly installments up to CHF 1’000
per month (gold card: CHF 1’500).
Applying for Payment Protection Insurance, I hereby certify that I am between 18 and 62 years old,
reside in Switzerland or in the Principality of Liechtenstein (the enclaves of Büsingen am Hochrhein (DE)
and Campione d’Italia (IT) are excluded), have been employed for more than 6 months and at least 16
hours a week (self-employed are not entitled to unemployment coverage), that my current
employment is for an indefinite period and I have not been given notice, I do not plan to take early
retirement in the immediate future, have not been absent in part or in full from work due to illness or
accident for more than 25 workdays during the last 12 months, have not been treated on an in-patient
basis for more than 20 successive days and am not scheduled for admission to a hospital.
Coverage begins on the date shown in the letter of coverage confirmation (and upon compliance with
the above terms) and remains in effect only to the extent all due premiums are paid and my card has not
been blocked permanently (due to pending collection or bankruptcy proceedings). Coverage also ends
upon termination and return of all cards included in the same billing unit and upon full payment of the
outstanding balance. My insurance ends automatically with my 75th birthday but ends with my 65th
birthday in the event of incapacity for work, disability or unemployment.
Excerpt GTI 11.2013 – edition 11.2013
Travel Insurance
AGA International S.A., Paris, Wallisellen branch (Switzerland), Hertistrasse 2, 8304 Wallisellen,
Switzerland is the insurance carrier for Travel Insurance.
Insurance coverage
Travel cancellation
–
Delayed travel departure
–
Discontinued travel or early return
–
Prorated refund of stay-related expenses
–
Additional expenses at destination
–
–
Search and rescue costs including transportation
Repatriation or return journey in the event of medical necessity
–
Advance on costs
–
–
Deductible waiver for rental cars (CDW)
Upon occurrence of the insured event, owed cancellation charges or documented additional expenses
(in the event of delayed departure) will be refunded.
Commencement and duration
Coverage begins as soon as the registration has been received by Cornèrcard and is concluded for a
period of one year. Unless the insurance is terminated at least two months prior to expiration, it will be
extended tacitly for another year. If the Card is cancelled in writing, coverage shall end when the Card
expires.
Conditions
Insurance applies provided at least 51% of the travel arrangements/car rentals have been paid for in
advance with Cornèrcard.
Annual premium
Individual coverage: CHF 35
–
Family coverage: CHF 49
–
Benefits
–
Individual coverage: up to CHF 10,000 per insured event
– Family coverage: up to CHF 10,000 per insured person and event; up to CHF 40,000 per insured
event
Excerpt GTI 01.2014 – 01.2014 edition
Flight Accident Insurance:
ACE Insurance (Switzerland) Limited, Bärengasse 32, 8001 Zurich, Switzerland, is the insurance carrier
for Flight Accident Insurance.
Insurance coverage:
− Flight accidents when traveling on an air carrier
− Accidents when traveling on a public carrier (bus, taxi or train) authorized to transport passengers
from or to an airport, in direct connection with an insured flight.
Commencement and duration: Coverage begins as soon as the registration has been received by
Cornèrcard and is concluded for a period of one year. Unless the insurance is terminated at least two
months prior to expiration, it will be extended tacitly for another year. If the Card is cancelled in writing,
coverage shall end when the Card expires.
Conditions: Insurance applies worldwide provided at least 51% of all costs of air travel have been paid
for in advance with Cornèrcard.
Annual premium: Individual coverage: CHF 45
Benefits:
− In the event of death: CHF 500,000
− In the event of permanent disability: up to CHF 500,000
Excerpt GTI 04.2013 – edition 01.2011
Payment Protection Insurance:
By signing this Enrollment, I am purchasing Payment Protection Insurance for the outstanding balance
Signature
By signing I confirm that I have taken note of, and understood, the above information.
Place/Date
( )
* Signature of the Principal Card Applicant
Place/Date
( )
* Signature of the Additional Card Applicant
Cornèr Banca SA, Cornèrcard, Via Canova 16, 6901 Lugano
Tel: +41 91 800 41 41, Fax: +41 91 800 55 66, info@cornercard.ch, cornercard.ch
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