SELVA INTERNATIONAL BANK General Presentation
We are at a turning point in the current world economy . Geo Politics indicates that changes will be inspired and catapulted from and within the Caribbean Basin.
Table of Contents 1. 2. 3. 3. 4. 5.
About Selva International Bank Introduction to the Selvacard The Selvacard’s Features The Security Limits The Partner’s Web Platform The Fees and Commissions
Client Focus Specialisation Creativity Entrepreneurship Independence Te a m W o r k E t h i c s
About Selva International Bank Mission Selva Internationl Bank will be founded by the entrepreneur Cristiane Bomeny. Selva International Bank creates a new concept of integration that represent a complete balance in the world’s economics and stablishes a new benchmark for a new behavior era of a consumer’s networking and allows the integration of a variety of diverse industries expanding their ability to trade their services and products exponentially. It also creates the optimum environment for consumers to expand throughout the Caribbean and America.
Selva International Bank will be Based in St Lucia, with projected branches offices in the Caribbean Region and Europe. Selva Bank’s primary operation will be card business (issuing and acquiring), is a principal member of Visa International and MasterCard International and partners with more than 100 banks, issuing branded an co-branded credit or prepaid cards.
The fundamental mission of Selva International Bank is to give everyone the ability to access opportunities on the new connected economy creating a platform to educate people towards, giving them access to learn, make payments, to shop and to trade and exchange their ideas, products and services giving them access to credit and debit cards for those who do not possess them.
through trade and services. Urbaniza is a group associated with the WTC AI, a Brazilian company with 40 years experience in the Real Estate and Development Market, and has developed, managed and built
large-scale projects in Brazil, Cuba, United Arab Emirates, Europe, Africa and South and North America. WTC AI is also the concession holder and the owner of WTC São Paulo.
About Urbaniza Group Urbaniza Group is a development company created to promote better commercial interaction between countries, and to facilitate sustainable development and communication, opening new opportunities
Introduction to the SELVACARD SELVACARD will have all features of a regular prepaid card. As every Visa and MasterCard, the SELVACARD: • Can be used in more than 30 million points of sale (POS) worldwide, in more than 2 million ATM worldwide, and over Internet. • Is secured with a chip and a PIN. • Can be redeemed in case of loss is renewed after the expiration date. • Is available in four currencies (CHF, EUR, USD and GBP*). • Is an internationally accepted prepaid payment card.
Access your Account any where: • View Your Investment Portfolio • Easy to Use Interface With a Step-By-Step Users’ Guide • Place and Terminate Term Deposits
• Ability to Activate, Block or Order Bank Cards • Request a Transfer Certificate Copy Online • Request a New DIGIPASS Device
Types of Cards: (International and Pre-Paid)
International Cards (Visa and Mastercard)
• Cards are PIN code protected • Cards are not embossed but engraved for extra security • No credit limit: spending limit is determined by the balance in the account • Use your card for purchases or withdraw money anywhere in the world • Accepted at millions of locations where the MasterCard and Visa logo is displayed
Pre-Paid Cards • Cards are PIN code protected • Accepted worldwide. You can make purchases or get cash wherever MasterCard or Visa Debit is accepted.
Selva International Bank, the bank of the future
Explanation of Cards: (Trade, People & Comercial)
Commercial Cards: The Selva International Bank Commercial Cards combines the efficiency of a Purchasing card with the flexibility of a Travel & Expense card, offering you a comprehensive and centralized approach to managing your business expenses. • Robust Controls and Fraud Prevention • Powerful, Customizable Reporting
Business Cards:
People Cards:
Trade Cards:
Easy way to access business discounts in stores and commerces.
Prepaid and credits cards, as an easy way to make payments, to shop, and to trade for those who do not possess them.
Facilitate trade and networking.
• Efficient Expense Management • Acceptance at a Lot of Commerces WorldWide
Benefits of the Cards Programs: (Company benefits)
• Tailor Made for Each Company • Secure and Paperless • No Wire Transfers Needed • No Checks or Paper Payments
• Key Account Manager • Real Time • 9 Languages
All Great features of SELVACARD (Exclusive features)
High loading limits
Card to card transfer
• EUR 200’000 (or currency equivalent) per transfer
• Free and instantaneously
• EUR 400’000 (or currency equivalent) per quarter
Simple loading process
• Only between cards from same currency
Network of preferred financial Partners
• With a bank transfer from a sender bank based on Selva’s list of accepted countries
• Only banks and selected financial institutions are authorized to distribute the SELVACARD
Instant issuing
24/7 monitoring
• Easy and simple activation process
• Through the cardholder’s area on www.ewm-card.com
• No credit application • No pledging/collateral process
• View of the last 12 months’ transactions
Automatic renewal • After 3 years from the activation’s date
SMS / email notification
(Optional) • Maximum safety and protection • Inform the cardholder through SMS and/or email: • When the SELVA CARD is enable or disable, and/or. • When the SELVA CARD has been loaded, and/or. • In case of a transaction; • In case of a purchase; • In case of a cash withdrawal.
Security features: Confidential The cardholder’s name does not appear on the SELVACARD and is not registered on the magnetic strip or on the chip.
Discrete • Only the issuers logo appears on the reverse side of the SELVA CARD.
Ultimate security • Switch ON-OFF mode allow the cardholder to enable or disable the SELVACARD’s use; • User friendly system to change the SELVACARD status (phone call, SMS or Internet); • Switch ON = normal use; • Switch OFF = the SELVACARD is temporarily deemed blocked, no transaction can therefore be done.
The Security Limits The set up limits To protect the cardholder’s funds of an eventual fraudulent usage, Selva International Bank applies specific daily
Max. amount/5 days
and weekly security limits. As soon as the cardholder is using the card out of the normal usage pattern, the transactions are
declined due to security reasons The daily and weekly security limits applicable to the SELVACARD as follows:
POINT OF SALES (POS)
ATM
EUR 85’000
EUR 20’000
(or currency equivalent)
(or currency equivalent)
Max. number of trancsations / 5 days
20
20
Max. number of daily trancsations
10
10
EUR 30’000
EUR 1’000
Max. single trancsation’s amount
(or currency equivalent)
(or currency equivalent)
How to upgrade the Point Of Sales limits? In case the cardholder plans to use the SELVACARD during a certain period above the POS limits, Selva International Bank can adjust them in accordance with the cardholder requirements and available balance. The cardholder or the Partner can therefore send an email to support@selva-card.com to upgrade the limits.
Partner’s web based B2B platform The Partner’s web based B2B platform is set for the Partner by Selva International Bank to assist in the service distribution of the SELVACARD. The B2B platform especially allows the Partner to access: • Specific information referring to its contractual set-up as well as a partial access to SELVACARD services assigned to the Cardholder • SELVACARD inventory • The generated commissions • The SELVACARD account management / Shopping ON-OFF activation • The general Terms and Conditions To access the platform please browse www. selvacard.com/partner
The fees and commissions
(The cardholder’s fees) The main fees for the cardholder are as follows (the complete fees’ list is available in the GT&C):
The cardholder’s fees The main fees for the cardholder are as follows (the complete fees list is available in th GT&C):
fees Loading fees
2% of the amounts loaded
ATM fees
1,5% (min. 5 EUR/6,25 USD/7,50 CHF/3,50 GBP)
SMS notification
10 EUR/13 USD/15 CHF/7 GBP service/month
POS fees
free of charge
Internet fees
free of charge
Email notification
free of charge
Card to card transfer
free of charge
Annual fee Selva International Bank doesn’t charge the cardholder directly an annual fee for the SELVACARD. It is however
recommended to the Partner to bill the cardholder EUR 500 (or currency equivalent) per SELVACARD for a period of
validity of 3 years (i.e. EUR 166 per year for the use of the card).
The Partner’s commissions The Partner is entitled to receive a commission of 25 % of the loading fees on all amounts loaded. Selva International Bank will deduct from the Partner’s
commissions EUR 100 (or currency equivalent) per SELVACARD activated for a period of 3 years. The commissions are paid quarterly by Selva International Bank
to the Partner and the Partner has access to the amount of the commissions on a daily basis on his B2B platform.
Bank may set up the relationship without those commissions. In this case, the EUR 100 (or currency equivalent) fees per
activated card will not be charged to the Partner.
Commissions’ transparency If the Partner doesn’t want to receive any commissions because of regulatory or transparency matter, Selva International