3 4 5 6 7
16 17 18
19
20
This Guide to Benefits describes the benefits in effect as of November 1, 2015. These
benefits and descriptions supersede any prior benefits and descriptions you may have
r
eceived earlier.
Please read and retain for your records. Your eligibility is determined by the date your
f
inancial institution enrolled your account in the benefits.
Benefits—For You Personally
What is Identity Theft Resolution
Services – Full Restoration?
Program Description:
Personal Identity Theft Resolution Services provides you with access to a number of
Identity Theft resolution services, should you believe you are a victim of Identity Theft.
Eligibility:
To be eligible for this coverage, you must be a valid Cardholder who holds a MasterCard
issued by a U.S. financial institution.
Access:
S
imply contact 800.MASTERCARD (800.627.8372) if you believe you have been a victim
of Identity Theft.
Services provided:
Services provided are on a 24-hour basis, 365 days a year. They include:
• Concierge Level Certified Restoration specialist that works autonomously on behalf
of the Cardholder and relieves the Cardholder of the direct involvement of processing
n
ecessary documentation, lengthy phone conversations and dispute resolutions.
• Limited Power of Attorney (LPOA) to represent Cardholder during an identity
t
heft event.
•
Multiple Tri-Bureau credit reports pulled at no cost to the Cardholder to help ensure
a complete resolution of identity event and return of Cardholder to
pre-victim status.
• Assistance from a Specialist with cancelling the Cardholder’s credit/debit card(s),
membership cards, affinity cards and more in the event that identity theft has occurred
(
even if Cardholder has not experienced a lost wallet).
• Ongoing communication with Specialist about the most current status of the
Cardholder’s fraud investigation until the fraud claim is successfully resolved.
• Access to a Specialist who disputes with the consumer reporting agencies on behalf
of the Cardholder to ensure that no fraudulent information negatively affects his
c
onsumer report history.
• Providing the Cardholder with a uniform Identity Theft Affidavit and providing
a
ssistance with completion of the Affidavit. It is the responsibility of the Cardholder
to submit the Affidavit to the proper authorities, credit bureaus, and creditors.
• Notifying all three major credit reporting agencies to obtain a free credit report for
t
he Cardholder and placing an alert on the Cardholder’s record with the agencies.
• Assisting the Cardholder with debit, credit and/or charge card replacement.
•
Assisting Cardholder with membership/affinity card replacement.
• Educating the Cardholder on how Identity Theft can occur and of protective measures
t
o avoid further occurrences.
• Providing the Cardholder with the Identity Theft Resolution Kit.
• Providing the Cardholder with sample letters for use in canceling checks, ATM cards,
and other accounts.
2
Identity Theft Alerts:
MasterCard is offering Cardholders cyber security through Identity Theft Alerts, CSID’s
p
roprietary Internet surveillance technology that proactively detects the illegal trading
and selling of personally identifiable information (PII) online. At any point in time, Identity
Theft Alerts is tracking thousands of websites and millions of data points, and alerting
C
ardholders whose personal information they find has been compromised online. This
information is being gathered in real-time so that Cardholders have the opportunity to
react quickly and take the necessary steps to protect themselves.
Get started at no cost to you by enrolling at mastercard.us/idtheftalerts.
Charges:
There is no charge for these services, they are provided by your Financial Institution.
Services not provided:
• When it is determined you have committed any dishonest, criminal, malicious, or
fraudulent act.
•
When your financial institution or card issuer, which provides this service, has
investigated the event and deemed you are responsible for the charge or event.
•
When any theft or unauthorized use of an account by a person to whom the account
has been entrusted has been committed.
Program provisions for personal identity theft services:
This service applies only to you, the named MasterCard Cardholder. You shall use due
d
iligence and do all things reasonable to avoid or diminish any loss or damage to
property protected by the program.
T
he provider, CS Identity, relies on the truth of statement made in the Affidavit or
declaration from each Cardholder. This service is provided to eligible MasterCard
Cardholders at no additional cost and is in effect for acts occurring while the program
i
s in effect. The terms and conditions contained in this program guide may be modified
by subsequent endorsements. Modifications to the terms and conditions may be
provided via additional Guide mailings, statement inserts, or statement messages.
M
asterCard or your financial institution can cancel or non-renew these services, and if
we do, we will notify you at least thirty (30) days in advance. If the Provider non-renews
or cancels any services provided to eligible MasterCard Cardholders, you will be notified
within 30–120 days before the expiration of the service agreement. In the event
s
ubstantially similar coverage takes effect without interruption, no such notice is
necessary. For general questions regarding these services, please contact
800.MASTERCARD (800.627.8372).
BC 972
Benefits—For Purchases
What is Purchase Assurance
®
Coverage?
Evidence of Coverage
Pursuant to the below terms and conditions, when an item you bought with your
c
overed card is damaged or stolen within ninety (90) days of purchase, you may be
eligible for benefits under this coverage.
R
efer to Key Terms for the definitions of you, your, we, us, our, and words that appear
in bold and Legal Disclosures.
To get coverage:
• You must purchase the new item entirely with your covered card and/or accumulated
points from your covered card for yourself or to give as a gift.
The kind of coverage you receive:
• Most items you purchase entirely with your covered card are covered if damaged or
s
tolen for ninety (90) days from the date of purchase as indicated on your covered
card’s receipt.
• Items you purchase with your covered card and give as gifts also are covered.
• T
his coverage is secondary to any other applicable insurance or coverage available to
you or the gift recipient. Coverage is limited to only those amounts not covered by
any other insurance or coverage benefit.
Coverage limitations:
• Coverage is limited to the lesser of the following:
–
The actual cost of the item (excluding delivery and transportation costs).
–Amaximum of $1,000 per loss and a total of $50,000 per cardholder account per
twelve (12) month period.
• Purchases that are made up of a pair or set will be limited to the cost of repair or
replacement of the specific item stolen or damaged. If the specific item cannot be
r
eplaced individually or repaired, the value of the pair or set will be covered not to
exceed the limits above.
•
C
overage for stolen or damaged jewelry or fine art will be limited to the actual
purchase price as listed on your credit card statement, regardless of sentimental or
appreciated market value.
What is NOT covered:
• Items left in public sight, out of arm’s reach, lacking care, custody or control by the
cardholder.
• Lost items, and items that mysteriously disappear (the only proof of loss is unexplained
or there is no physical evidence to show what happened to the item) without any
e
vidence of a wrongful act.
• Items that are stolen from any location or place (including, but not limited to, exercise
f
acilities, places of employment, schools, or places of worship) due to the lack of due
diligence by you or another party.
• Items lost, stolen, damaged, or mis-delivered while under the care, custody, and
c
ontrol of another party or common carrier (including, but not limited to, airlines, the
U.S. Postal Service, UPS, FedEx, or other delivery services).
• Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.
• Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged
by you.
• L
osses that cannot be verified or substantiated.
• Items covered by a manufacturer’s recall or class action suit.
• Items that you damage through alteration (including, but not limited to, cutting,
sawing, shaping).
• U
sed or antique items; collectibles of any kind (such as items designed for people to
collect or items that over time become collectibles); recycled, previously owned,
refurbished, rebuilt, or remanufactured items.
• Stolen items without a documented report from the police.
• I
tems that are damaged during transport via any mode.
• Items stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle,
a
utomobile or any other motor vehicles.
• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats,
aircraft, and motorcycles, or their motors, equipment, or accessories. Motorized
e
quipment not designed for transportation and used solely for the upkeep and
maintenance of a residence is eligible for coverage (including, but not limited to, snow
thrower, lawn mowers, and hedge trimmers).
• L
and, any buildings (including, but not limited to, homes and dwellings), permanently
installed items, fixtures, or structures.
• T
raveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or
lottery), negotiable instruments, bullion, rare, or precious metals, stamps, and coins,
currency or its equivalent.
• Losses caused by insects, animals, or pets.
• Plants, shrubs, animals, pets, consumables, and perishables.
• I
tems purchased for resale, rental, professional, or commercial use.
• Professional services (including, but not limited to, the performance or rendering of
labor or maintenance; repair or installation of products, goods, or property; professional
a
dvice of any kind, including, but not limited to, information/services or advice secured
from any help or support line; or technical support for software, hardware, or any other
peripherals).
• A
pplication programs, computer programs, operating software, and other software.
• Losses resulting from war or hostilities of any kind (including, but not limited to,
i
nvasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or
damage by any government, public authority, or customs official; risks of contraband;
illegal activity or acts.
• L
osses caused by power surge, contamination by radioactive or hazardous substances,
including mold.
• D
irect or indirect loss resulting from any Acts of God (including, but not limited to,
flood, hurricane, lightning, and earthquake).
• L
osses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.
• Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or
mammals).
• I
tems stolen or damaged at a new home construction site.
• Rented, leased, or borrowed items for which you will be held responsible.
• Trip, service, or diagnostic charges in the absence of any covered repairs or verified
failure.
• A
ny shipping charges, transportation and delivery charges, or promised time frames
for delivery, whether or not stated or covered by the manufacturer’s warranty.
How to file a claim:
• Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(60) days of the loss or the claim may not be honored.
• Submit the following documentation within one hundred and eighty (180) days of the
date you report the claim:
–
Completed and signed claim form.
– Repair estimate for damaged item(s).
–
Photograph clearly showing damage, if applicable.
– Receipt showing purchase of covered item(s).
– Statement showing purchase of covered item(s).
– Report from police listing any items stolen.
– Copy of the declarations page of any applicable insurance or protection (including,
b
ut not limited to, homeowner’s, renter’s, or auto insurance policy).
– Any other documentation that may be reasonably requested by us or our administrator
t
o validate a claim.
B
C 958
W
hat is Extended Warranty – Two Year
Benefit?
R
efer to Key Terms for the definitions of you, your, we, us, our, and words that appear
in bold and Legal Disclosures.
To get coverage:
• You must purchase the new item entirely with your covered card and/or accumulated
points from your covered card for yourself or to give as a gift.
• The item must have an original manufacturer’s (or U.S. store brand) warranty of
twenty-four (24) months or less.
The kind of coverage you receive:
• Extended Warranty doubles the original manufacturer warranty up to a maximum of
t
wenty-four (24) months on most items you purchase. For products with multiple
warranty components, each warranty time period will be extended up to a maximum
of twenty-four (24). An example of a product with multiple warranty components
i
ncludes an appliance with original manufacturer’s (or U.S. store brand) warranties that
differ for parts, labor, compressor, etc.
• If you purchase a service contract or an optional extended warranty of twenty-four
(24) months or less on your item, we will cover up to an additional twenty-four (24)
m
onths after both the original manufacturer’s (or U.S. store brand) warranty and the
purchased service contract or extended warranty coverage period end. If your service
contract or extended warranty exceeds twenty-four (24) months, this coverage does
n
ot apply.
• If you do not have an additional service contract or an optional extended warranty, this
Extended Warranty benefit commences the day after your original manufacturer’s (or
U
.S. store brand) warranty expires.
Coverage limitations:
• The maximum benefit for repair or replacement shall not exceed the actual amount
charged on your covered card or $10,000, whichever is less.
•
If either the original manufacturer’s (or U.S. store brand) warranty or the service
contract covers more than twenty-four (24) months, this benefit will not apply.
• We or our administrator will decide if a covered failure will be repaired or replaced,
o
r whether you will be reimbursed up to the amount paid for the item. Items will be
replaced with those of like kind and quality. However, we cannot guarantee to match
exact color, material, brand, size, or model.
What is NOT covered:
•
Used or antique items; collectibles of any kind (such as items designed for people to
collect or items that over time become collectibles) that do not come with a
manufacturer warranty (repair or replacement amount will not include market value at
t
ime of claim); recycled, previously owned, refurbished, rebuilt, or remanufactured
items; product guarantees (e.g., glass breakage).
•
Floor models that do not come with an original manufacturer warranty.
• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft,
and motorcycles, or their motors, equipment, or accessories. Parts, if purchased
s
eparately, may be covered.
• Land, any buildings (including, but not limited to, homes and dwellings), permanently
installed items, fixtures, or structures.
•
Plants, shrubs, animals, pets, consumables, and perishables.
• Professional Services (including, but not limited to, the performance or rendering of
l
abor or maintenance; repair or installation of products, goods or property; professional
advice of any kind, including, but not limited to, information/services or advice secured
from any help or support line; or technical support for software, hardware, or any other
p
eripherals).
• Application programs, operating software, and other software.
• All types of media with stored data or music (including, but not limited to, computer
s
oftware, DVDs, video cassettes, CDs, film and audio cassettes).
• Any shipping charges, transportation and delivery charges, or promised time frames
f
or delivery, whether or not stated or covered by the manufacturer’s warranty.
• Direct or indirect loss resulting from any Acts of God (including, but not limited to,
f
lood, hurricane, lightning, and earthquake).
• Indirect or direct damages resulting from a covered loss.
•
Mechanical failure arising from product recalls.
• Trip, service, or diagnostic charges in the absence of any covered repairs or verified
failure.
• Loss resulting from war or hostilities of any kind (including, but not limited to, invasion,
terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by
a
ny government, public authority, or customs official; risks of contraband, illegal
activity, or acts.
•
Mechanical failures caused by normal wear and tear or gradual deterioration where no
failure has occurred.
• Items purchased for resale, professional, or commercial use.
• Mechanical failures caused by lack of maintenance/service.
In no event will these insurance benefits apply as contributing insurance. The non-
contribution insurance clause will take precedence over the non-contribution clause
f
ound in any other insurance policies.
Severability of Provisions: If in the future any one or more of the provisions of this
G
uide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable,
then such provision(s) shall be deemed “severable” from the remaining provisions of the
Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
B
enefits listed in this Guide to Benefits are subject to the conditions, limitations, and
exclusions described in each benefit section. Receipt and/or possession of this Guide
to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case
of a conflict between the Guide and the master insurance policies, or an issuer’s, or the
M
asterCard actual offerings, such master policies or actual offering shall control.
Provision of services is subject to availability and applicable legal restrictions.
BC 777
For benefit questions, call 800.592.4089 or if you are outside of the U.S., call collect
at 804.673.1468.
You must see either a printed advertisement or non-auction Internet advertisement
for the same product (advertisement must verify same manufacturer and model number)
f
or a lower price within one hundred and twenty (120) days from the date of purchase
as indicated on your receipt.
The kind of coverage you receive:
• Purchases you make entirely with your covered card are covered for one hundred and
t
wenty (120) days from the date of purchase as indicated on your receipt for the
difference between the price you paid and the lower price advertised.
•
Items you purchase with your covered card and give as gifts also are covered.
• This coverage is secondary to any other applicable insurance or coverage available to
you or the gift recipient including benefits provided by the retailer (including, but not
l
imited to, refunds, exchanges, and store credits). Coverage is limited to only those
amounts not covered by any other insurance or coverage, or retailer benefits (including,
but not limited to, refunds, exchanges, and store credits).
Coverage limitations:
Coverage is limited to the difference between the actual cost of the item (excluding
taxes, storage, shipping, and handling costs) and the advertised lower price, up to $250
p
er claim. There is a maximum of four (4) claim(s) per cardholder account per twelve
(12) month period.
What is NOT covered:
• Any item purchased from an Internet site whose primary purpose is not the sale of
t
he item or related items.
• Items purchased for resale, rental, professional, or commercial use.
•
Jewelry, art, used or antique items; collectibles of any kind (such as items designed for
people to collect or items that over time become collectibles); recycled, previously
owned, refurbished, rebuilt, or remanufactured items.
•
Customized/personalized, one-of-a-kind, or special-order items.
• Layaway items; items returned to any store.
• Any items purchased from an auction.
• Items for which the printed advertisement or non-auction Internet advertisement
containing the lower price was published after one hundred and twenty (120) days from
t
he date you purchased the item.
• Items advertised or shown as price quotes, bids or final sale amounts from a non-
auction Internet site.
• Items advertised in or as a result of “limited quantity,” “going-out-of-business sales,”
“close out,” or as “discontinued.”
• Printed advertisements or non-auction Internet advertisements that display
pricing lower than your purchased item due to rebates, special offerings, bonuses, free
i
tems/giveaways, manufacturer’s coupons, or special financing.
• Professional services, including workmanship, installation, professional advice/
c
ounseling, and technical support, or help line.
• Plants, shrubs, animals, pets, consumables, and perishables.
• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft,
a
nd motorcycles, or their motors, equipment, or accessories.
• Land, any buildings (including, but not limited, to homes and dwellings), permanently
i
nstalled items, fixtures, structures, or home improvement.
• Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or
m
ammals).
• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or
lottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins,
c
urrency or its equivalent.
• Differences in price due to sales tax, storage, shipping, handling, postage,
transportation, and delivery.
• Differences in price due to foreign exchange rates or fluctuation in foreign exchange
rates.
8
21
•
Losses caused by power surge, contamination by radioactive or hazardous substances,
including mold.
•
Physical damage to the item.
• Any exclusion listed in the original manufacturer’s warranty.
How to file a claim:
• Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(60) days of the failure or the claim may not be honored.
• Submit the following documentation within one hundred and eighty (180) days from
the date of failure or the claim may not be honored:
– Completed and signed claim form.
– Receipt showing covered item(s).
– Statement showing covered item(s).
– Itemized purchase receipt(s).
– Original manufacturer’s (or U.S. store brand) warranty.
–
Service contract or optional extended warranty, if applicable.
– Itemized repair estimate from a factory authorized service provider.
–Any other documentation that may be reasonably requested by us or our administrator
t
o validate a claim.
BC 943
What is Price Protection Coverage?
The Legal Disclosure is part of this agreement.
Key Terms:
Throughout this document, You and Your refer to the cardholder or authorized user
of the covered card. We, Us, and Our refer to AIG WarrantyGuard, Inc.
Administrator means Sedgwick Claims Management Services, Inc. You may contact
the administrator if you have questions regarding this coverage or would like to make
a
claim. The administrator can be reached by phone at 800.MASTERCARD.
Auction (online or live) means a place or Internet site where items are sold through
price bids, price quotes; or where prices fluctuate based on the number of people
p
urchasing, or interested in purchasing a product. (Examples include, but are not limited
to, Ebay, Ubid, Yahoo, public or private live auctions, etc.).
Authorized User means an individual who is authorized to make purchases on the
c
overed card by the cardholder and is recorded by the Participating Organization on
its records as being an authorized user.
C
ardholder means the person who has been issued an account by the Participating
Organization for the covered card.
Covered card means the MasterCard card.
Non-auction internet advertisements means advertisements posted on the Internet,
by a non-Auction Internet merchant with a valid tax identification number. The
a
dvertisement must have been posted within one hundred and twenty (120) days after
the date you purchased the product and must be for the identical item (advertisement
must verify same manufacturer and model number). The printed version of the Internet
a
dvertisement must include the merchant’s internet address and customer service
telephone number, as well as the item including manufacturer, model number, sale price
and date of publication.
Printed advertisements means advertisements appearing in a newspaper, magazine,
store circular, or catalog which state the authorized dealer or store name, item (including
m
ake, model number), and sale price. The advertisement must have been published
within one hundred and twenty (120) days after the date you purchased the product
and must be for the identical item (advertisement must verify same manufacturer and
m
odel number).
To get coverage:
You must purchase the new item entirely with your covered card and/or accumulated
points from your covered card for yourself or to give as a gift.
Family member means the spouse or domestic partner of You. It includes unmarried
c
hildren of You under nineteen (19) years of age. It also includes unmarried children
under twenty-six (26) years of age if a full-time student at an accredited college or
university.
Inclement weather means any severe weather condition which delays the scheduled
arrival or departure of a common carrier.
L
ost means luggage (including personal property contained within) that is missing for
10 consecutive days and whose whereabouts are unknown to you or the common carrier.
Manufacturer suggested retail price (MSRP) means the purchase price of the
v
ehicle or the value of the vehicle based on the National Automobile Dealers
Association website at www.nada.com or similar source.
R
ental agreement means the entire agreement or contract that You receive when
renting a vehicle from a vehicle rental agency that describes in full all of the terms
and conditions of the rental, as well as the responsibility of all parties under the rental
agreement.
Return destination means the place to which You expect to return from Your trip as
indicated on Your common carrier ticket.
Stolen means items that are taken by force and/or under duress or the disappearance
of the item from a known place under circumstances that would indicate the probability
of theft.
Traveling companion means any individual(s) with whom You have arranged to travel
on the same trip with the same itinerary and for which the cost of trip was charged
with Your covered card.
Trip means a scheduled period of travel with a destination and return destination
away from Your primary residence using a common carrier.
United States Dollars (USD) means the currency of the United States of America.
Vehicle means a land motor vehicle with four wheels that is designed for use on public
roads and intended for use on a bound surface such as concrete and tarmac. This
includes minivans and sport utility vehicles that are designed to accommodate less
than nine (9) passengers.
BC 123_EW
Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Noninsurance
services may have associated costs, which will be your responsibility (for example, legal
referrals are free, but the lawyer’s fee is your responsibility).
The insurance benefits are provided under a Group Policy issued by New Hampshire
Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits
provided to you. The attached Key Terms and EOC is governed by the Group Policy.
Effective date of benefits: Effective November 1, 2015, this Guide to Benefits
replaces all prior disclosures, program descriptions, advertising, and brochures by any
party. The Policyholder and the insurer reserve the right to change the benefits and
features of these programs at anytime. Notice will be provided for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or choose not to
renew the insurance coverage for all cardholders. If the Policyholder does cancel these
benefits, you will be notified at least thirty (30) days in advance. However, in the event
that substantially similar coverage takes effect without interruption following the
cancellation or non-renewal of benefits, you will not be notified. Any such notification,
if necessary, may be in the form of the posting of a revised Guide to Benefits. If the
insurance company terminates, cancels, or chooses not to renew the coverage to the
Policyholder, you will be notified as soon as is practicable. Insurance benefits will still
apply for any benefits you were eligible for prior to the date of such terminations,
cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to the cardholder whose cards are issued
by U.S. financial institutions. The United States is defined as the fifty (50) United States,
the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands.
No person or entity other than the cardholder shall have any legal or equitable right,
r
emedy, or claim for benefits, insurance proceeds and damages under or arising out of
these programs. These benefits do not apply if your card privileges have been cancelled.
However, insurance benefits will still apply for any benefit you were eligible for prior to
t
he date that your account is suspended or cancelled, subject to the terms and conditions
of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance
b
enefits may be assigned without the prior written consent of the claim administrator
for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed
or misrepresented any material facts concerning this coverage.
D
ispute Resolution – Arbitration: This EOC requires binding arbitration if there is an
unresolved dispute concerning this EOC (including the cost of, lack of or actual repair
or replacement arising from a loss or breakdown). Under this Arbitration provision, You
give up your right to resolve any dispute arising from this EOC by a judge and/or a jury.
You also agree not to participate as a class representative or class member in any class
action litigation, any class arbitration or any consolidation of individual arbitrations. In
arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral
third party) will give a decision after hearing the parties’ positions. The decision of a
majority of the arbitrators will determine the outcome of the arbitration and the decision
of the arbitrators shall be final and binding and cannot be reviewed or changed by, or
appealed to, a court of law.
To start arbitration, the disputing party must make a written demand to the other party
for arbitration. This demand must be made within one (1) year of the earlier of the date
the loss occurred or the dispute arose. The parties will each separately select an
arbitrator. The two (2) arbitrators will select a third arbitrator called an “umpire.” Each
party will each pay the expense of the arbitrator selected by that party. The expense of
the umpire will be shared equally by the parties. Unless otherwise agreed to by the
parties, the arbitration will take place in the county and state in which You live. The
arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and
not by any state law concerning arbitration. The rules of the American Arbitration
Association (www.adr.org) will apply to any arbitration under this EOC. The laws of the
state of New York (without giving effect to its conflict of law principles) govern all
matters arising out of or relating to this EOC and all transactions contemplated by this
EOC, including, without limitation, the validity, interpretation, construction, performance
and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish
any theft, loss or damage to the property insured under these programs. “Due diligence”
means the performance of all vigilant activity, attentiveness, and care that would be
taken by a reasonable and prudent person in the same or similar circumstances in order
to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is
entitled to recover such amounts from other parties or persons. Any party or cardholder
who receives payment under these benefits must transfer to the insurance company
his or her rights to recovery against any other party or person and must do everything
necessary to secure these rights and must do nothing that would jeopardize them, or
these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, the claim administrator may request that the
cardholder or gift recipient send the item to the administrator for salvage at the
cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage
to the claim administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other applicable
insurance or indemnity available to You. Coverage is limited to only those amounts not
covered by any other insurance or indemnity. It is subject to the conditions, limitations,
and exclusions described in this document. In no event will this coverage apply as
contributing insurance. This Other Insurance clause will take precedence over a similar
clause found in other insurance or indemnity language.
<AADCBDBCAAAACDB>
045307
Please see inside for complete details and limitations.
Visit www.mastercard.com/worldelite to learn more about the
Travel Benefits of your World Elite® MasterCard credit card.
Your Virgin Atlantic
World Elite MasterCard
®
Cardholder Benefits Guide
Personal Benefits
• Identity Theft Resolution Services
Purchase Benefits
• Purchase Assurance
®
Coverage
• Extended Warranty Coverage
• Price Protection Coverage
• Satisfaction Guarantee
Travel Benefits
• MasterRental
®
Coverage
• Worldwide Automatic Travel Accident,
Baggage Delay, Medical Evacuation &
Repatriation, and Trip Cancellation/
Interruption Insurance
• Lost or Damaged Luggage
• Trip Delay
• MasterAssist
®
Travel Assistance
Services
Effective Date: November 1, 2015
Bank of America, N.A. is the issuer and administrator of this credit card program.
MasterCard, MasterAssist, Master RoadAssist, MasterTrip, MasterLegal, MasterRental,
Purchase Assurance and World Elite are registered trademarks of MasterCard
International Incorporated, and are used by the issuer pursuant to license.
© 2015 Bank of America Corporation INS-11-14-0660.F
(11/15)
exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or
v
ouchers).
How to file a claim:
• Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(60) days of the failure or the claim may not be honored.
• Submit the following documentation within one hundred and eighty (180) days from
the date of failure or the claim may not be honored:
– Completed and signed claim form.
– Covered card billing statement showing the charge for the covered trip.
– Proof of the delay from the common carrier.
– Receipts for travel expenses.
– Any other documentation that may be reasonably requested by us or our administrator
to validate a claim.
B
C 956
W
hat is MasterAssist
®
T
ravel
Assistance Services?
Rely on Travel Assistance Services when you’re away from home.
T
ravel Assistance Services is your guide to many important services you may need when
traveling. Benefits are designed to assist you or your travel companions when you’re
traveling 50 miles or more from home.* This is reassuring, especially when visiting a
p
lace for the first time or not speaking the language. For services, call
800.MASTERCARD. Enrollment is automatic and the assistance service is free to
cardholders. Please keep in mind that you will be responsible for the fees incurred for
p
rofessional or emergency services requested of Travel Assistance Services (e.g.,
medical or legal bills).
* Travel Assistance Services are available worldwide, with the exception of those
countries and territories which may be involved in an international or internal conflict,
o
r in those countries and territories where the existing infrastructure is deemed
inadequate to guarantee service. You may contact us prior to embarking on a covered
trip to confirm whether or not services are available at your destination(s).
MasterTrip
®
Travel Assistance:
• Before you begin your trip, MasterTrip provides information on travel requirements
including documentation (visas, passports), immunizations or currency exchange rates.
T
he exchange rate provided may differ from the exact rate that issuers use for
transactions on your card. Information on exchange rates for items billed on your
statement should be obtained from the financial institution that issued your card.
M
asterTrip will also help you locate any lost or stolen travel materials, including
luggage. This is not an insurance policy for lost/stolen luggage and we do not
reimburse you for a permanent loss.
• I
f you have a travel emergency and need cash, MasterTrip can arrange to transfer up
to $5,000 from a family member, friend, or business account.
• T
his service does not provide maps or information regarding road conditions.
Travel Services Medical Assistance:
• Provides a global referral network of general physicians, dentists, hospitals and
pharmacies. We can also help you refill prescriptions with local pharmacists (subject
t
o local laws).
• In the event of emergencies, a stateside physician or nurse can be contacted for
c
onsultation with the local medical staff and to monitor your condition. If you are
hospitalized, we can arrange to have messages relayed home, transfer you to another
facility if medically necessary, or have a family member or close friend brought to your
b
edside if you have been traveling alone (at cardholder’s expense). If a tragedy occurs,
we’ll assist in securing travel arrangements for you and your travel companion(s).
MasterLegal
®
Referral Service:
• Provides you with English-speaking legal referrals or consults with appropriate
e
mbassies and consulates regarding your situation.
• Will assist in transfers up to $5,000 in cash from a family member, friend or business
t
o cover legal fees or to post bail. There is no charge for referral services; however,
legal and bail fees are your responsibility.
Master RoadAssist
®
Roadside Service
(Available only when traveling in the 50 United States and the District of Columbia)
• If your car breaks down on the road, just call 800.MASTERCARD and tell us where you
are.
• W
e’ll send someone to the rescue. This is not only reassuring, but it may also save you
money because fees for many services (jump-starts, towing, gas delivery, and tire
changes) are pre-negotiated. Road service fees will be automatically billed to your
M
asterCard account.
• Y
ou are responsible for emergency road service charges incurred by towing facilities
responding to your dispatch, even if you are not with your vehicle (or it’s gone) when
the tow truck arrives. MasterCard International is not responsible or liable for the
s
ervice the towing facility provides. Towing facilities are independent contractors,
solely liable for their services.
• Emergency road service is not available in areas not regularly traveled, in “off road”
a
reas not accessible by ordinary towing vehicles, or for over one-ton capacity trailers,
campers or vehicles-in-tow.
• If you have a rental car, be sure to call the rental car agency before you call
800.MASTERCARD, as many rental agencies have special procedures regarding
emergency road service assistance.
BC 515
Key Terms
The following Key Terms apply to the following benefits: MasterRental, Purchase
Assurance, Extended Warranty, Lost or Damaged Luggage and Trip Delay.
Throughout this document, You and Your refer to the cardholder or authorized user
of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an
AIG Company.
Administrator means Sedgwick Claims Management Services, Inc. You may contact
the administrator if You have questions regarding this coverage or would like to make
a claim. The administrator can be reached by phone at 800.MASTERCARD
(800.627.8372).
Authorized driver(s) means a driver with a valid driver’s license issued from their state
of resident and indicated on the rental agreement.
Authorized User means an individual who is authorized to make purchases on the
covered card by the cardholder and is recorded by the Participating Organization on
its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating
Organization for the covered card.
Carry-on luggage means suitcases or other containers specifically designated for
carrying personal property, which are carried on board a common carrier by you.
Checked luggage means suitcases or other containers specifically designated for
carrying personal property, for which a claim check has been issued to you by a common
carrier.
Common carrier means an air, land or water motorized transportation carrier operating
under a regularly published schedule and current license as required by law for the
conveyance of passengers. Common carrier does not include helicopters, taxis, rental
cars, hired cars and private and contract carriers.
Covered card means the MasterCard card.
Damage means items that can no longer perform the function they were intended to
do in normal service due to broken parts, material or structural failures.
Destination means the place where You expect to travel on Your trip as indicated on
Your common carrier ticket.
Domestic partner means an unmarried person in an intimate, committed relationship
of mutual caring. They must share responsibility for basic living expenses with You. They
must be at least eighteen (18) years old and not currently married and/or committed to
another person.
Evidence of Coverage (EOC) means the document describe the terms, conditions,
and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement
between You and Us. Representations or promises made by anyone that are not
contained in the EOC, Key Terms, or Legal Disclosures are not a part of Your coverage.
plan does not conform to your state statutes, it will be amended to comply with such
l
aws. If a statement in this description of coverage and any provision in the policy differ,
the policy will govern.
A
nswers to specific questions can be obtained by writing the Plan Administrator: Direct
Marketing Group, 13265 Bedford Avenue, Omaha, NE 68164.
Plan Underwritten By Federal Insurance Company, a member insurer of the Chubb Group
o
f Insurance Companies, 9931 South 136th Street, Suite 100, Omaha, NE 68138.
BC 949
W
hat is Lost or Damaged Luggage?
Evidence of Coverage:
R
efer to Key Terms for the definitions of you, your, we, us, our, and words that appear in
bold and Legal Disclosures.
To get coverage:
Y
ou must pay the entire cost of the common carrier ticket(s) with your covered card
and/or accumulated points from your covered card.
The kind of coverage you receive:
• R
eimbursement for the actual cost of repairing or replacing your checked or carry-on
luggage and personal property contained therein that is lost or damaged.
• Coverage begins when the luggage is checked in or carried on to the common carrier
b
y you. This includes curbside check in with facility-designated personnel.
• Coverage ends each time you regain possession of the checked luggage from, or
c
arry the luggage off of the common carrier or twenty-four (24) hours after you
depart from the common carrier, whichever comes first.
• C
overage is secondary to any other applicable insurance or coverage available to you
including benefits provided by the common carrier (including, but not limited to,
goodwill payments, refunds, credit/vouchers). Coverage is limited to only those
amounts not covered by any other insurance or coverage, or common carrier benefits
(
including, but not limited to, goodwill payments, refunds, credit/vouchers).
Coverage limitations:
Coverage is limited to the actual cost, up to $1,500 per incident of repairing or replacing
y
our checked and/or carry-on luggage and any personal property contained within.
There is a maximum of two (2) claim(s) per twelve (12) month period.
Where you are covered:
C
overage applies worldwide.
What is NOT covered:
• Loss or damage of luggage or personal property for regularly scheduled short-distance
t
ravel under one hundred (100) miles.
• Loss or damage resulting from any dishonest, fraudulent, or criminal act committed
or arranged by you.
• Loss resulting from war or hostilities of any kind (including, but not limited to, invasion,
terrorism, rebellion, insurrection, riot, or civil commotion); confiscation, expropriation
o
r detention by any government, public authority, or customs official; illegal activity
or acts.
• L
oss resulting from contamination by radioactive or hazardous substances, including mold.
• Sporting equipment or musical instruments, unless checked in as luggage with the
c
ommon carrier and for which a claim check has been issued.
• Electronic equipment (including, but not limited to, laptops, PDAs, video/film cameras,
or hearing aids).
• E
yeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, household
furniture, or documents (including, but not limited to, visas and IDs).
• P
lants, shrubs, animals, consumables, and perishables.
• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or
l
ottery), negotiable instruments, bullion, rare, or precious metals, stamps, and coins,
c
urrency or its equivalent.
• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for
p
eople to collect or items that over time become collectibles); recycled, previously
owned, refurbished, rebuilt, or remanufactured items.
• D
efective material or workmanship, ordinary wear and tear or normal deterioration.
• Loss or damage not reported within the time period required, as stipulated in the
claim procedure.
• Loss or damage where the common carrier completely denies a claim for checked
and/or carry-on luggage.
• I
tems excluded under the common carrier’s coverage (except carry-on luggage).
• L
oss or damage where the common carrier pays the claim in full or repairs the
damage.
• Interest or conversion fees that are charged to your covered card by the financial
institution.
How to file a claim:
• Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(
60) days of the incident or the claim may not be honored.
• Report within twenty-four (24) hours any loss or damage to the common carrier.
• Submit the following documentation within one hundred and eighty (180) days of the
date of incident or the claim may not be honored:
– Completed and signed claim form.
– Receipt showing the purchase of common carrier tickets.
– Statement showing the purchase of common carrier tickets.
– Copy of initial claim report submitted to the common carrier.
– Covered card travel point program statement showing the common carrier
ticket was paid for with redeemed points.
– Report from police, if applicable.
– The result of any settlement by the common carrier.
– Receipts showing that your luggage or personal property has actually been repaired
or replaced.
– Any other documentation that may be reasonably requested by us or our administrator
to validate a claim.
BC 957
What is Trip Delay?
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear
in bold and Legal Disclosures.
To get coverage:
You must purchase the trip entirely with your covered card for you, or your family
member, and your traveling companions. If redeemable certificates, vouchers, coupons,
or discounts awarded from frequent flier programs are used to purchase the trip, any
remaining charge for the trip must be purchased entirely with your covered card.
The kind of coverage you receive:
If you are delayed more than six (6) hours while traveling to your destination or return
destination, we will reimburse you for travel expenses as a result of the delay. There is no
coverage, if the common carrier cancels within six (6) hours of your scheduled departure
time on the common carrier for which you have purchased a ticket for your trip.
Delay is:
a) Inclement weather;
b) Equipment failure of a common carrier (documented by the common carrier); or
c) Lost or stolen passport or travel documents.
Delays due to: War, invasion, acts of foreign enemies, hostilities between nations
(whether declared or not), and civil war are not covered.
Coverage Limitations:
Coverage is limited to $250 per trip.
Coverage is limited to two (2) claims per twelve (12) month period.
Coverage is secondary to any other applicable insurance or benefit available to you
including benefits provided by the common carrier (including, but not limited to,
9 10 11 12 13 14
How to file a claim:
For a Printed Advertisement:
• Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(
60) days of the incident or the claim may not be honored.
• Submit the following documentation within one hundred and eighty (180) days of the
a
dvertisement’s publication:
- Completed and signed claim form.
-
A copy of the printed advertisement that shows the date of the advertisement,
retailer name, the product (advertisement must verify same manufacturer and model
number), and sale price.
-
Receipt showing the item(s) was purchased.
- Statement showing item(s) purchased and use of accumulated point.
-
Itemized purchase receipt(s).
- Any other documentation that may be reasonably requested by us or our administrator
t
o validate a claim.
For a Non-Auction Internet Advertisement:
•
Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(60) days of the incident or the claim may not be honored.
• Submit the following documentation within one hundred and eighty (180) days of the
a
dvertisement’s publication:
- Completed and signed claim form.
- A copy of the non-auction advertisement that shows the date of the advertisement,
website address, retailer name, the product (advertisement must verify same
m
anufacturer and model number), sale price, and, if applicable, shipping, handling
and other charges.
- Receipt showing the item(s) was purchased.
- Statement showing item(s) purchased.
- Itemized purchase receipt(s).
- Any other documentation that may be reasonably requested by us or our administrator
to validate a claim.
BC 946
What is Satisfaction Guarantee?
Key Terms:
Throughout this document, You and Your refer to the cardholder or authorized user
of the covered card. We, Us, and Our refer to AIG WarrantyGuard, Inc.
Administrator means Sedgwick Claims Management Services, Inc. You may contact
t
he administrator if you have questions regarding this coverage or would like to make
a claim. The administrator can be reached by phone at 800.MASTERCARD.
Auction (online or live) means a place or Internet site where items are sold through
p
rice bids, price quotes; or where prices fluctuate based on the number of people
purchasing, or interested in purchasing a product. (Examples include, but are not limited
to, Ebay, Ubid, Yahoo, public or private live auctions, etc.).
Authorized User means an individual who is authorized to make purchases on the
c
overed card by the cardholder and is recorded by the Participating Organization on
its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating
O
rganization for the covered card.
Covered card means the MasterCard card.
To get coverage:
You must purchase the new item entirely with your covered card and/or accumulated
p
oints from your covered card for yourself or to give as a gift.
The kind of coverage you receive:
• Purchases you make entirely with your covered card are covered for sixty (60) days
from the date of purchase as indicated on your receipt for a full refund in the event
t
hat you are dissatisfied with your purchase and the store will not accept the item for
return.
• Items you purchase with your covered card and give as gifts also are covered.
• T
his coverage is secondary to any other applicable insurance or coverage available to
you or the gift recipient. Coverage is limited to only those amounts not covered by
any other insurance or coverage.
Coverage limitations:
Coverage is limited to the actual cost of the item (excluding taxes, storage, shipping,
and handling costs), up to $250 per claim. There is a maximum of four (4) claim(s) per
c
ardholder per twelve (12) month period. In no event will we pay more than the
purchase price of the item.
Items must be purchased from a store that provides a return or exchange policy of at
l
east ten (10) days.
Items must be returned undamaged, in good working condition, and in its original and
c
omplete packaging. You are responsible for all mailing costs.
What is NOT Covered:
• D
amaged, defective, or non-working items.
• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for
people to collect or items that over time become collectibles); recycled, previously
owned, refurbished, rebuilt, or remanufactured items.
• Customized/personalized, rare, one of a kind, or special order items.
• Professional services, including workmanship, installation, professional advice/
counseling, and technical support, or help line.
• Items purchased for resale, professional, or commercial use.
• Plants, shrubs, animals, pets, consumables, and perishables.
• All types of stored data or music (including, but not limited to, computer software,
DVDs, video cassettes, CDs, audio cassettes).
• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats,
aircraft, and motorcycles, or their motors, equipment, or accessories.
• Land, any buildings (including, but not limited to, homes and dwellings), permanently
installed items, fixtures, or structures.
• Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or
mammals).
• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or
lottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins,
currency or its equivalent.
• Shipping charges, taxes, storage fees, postage, transportation and delivery charges;
promised time frames of delivery.
• Products purchased at auctions.
How to file a claim:
Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(60) days of the date of purchase or the claim may not be honored.
• Submit the following documentation within one hundred and eighty (180) days of the
date you report the claim:
– Completed and signed claim form.
– Receipt showing the purchased item(s).
– Statement showing the purchased item(s).
– Itemized purchase receipt(s).
– Written documentation from the store manager or equivalent on store letterhead
documenting the refusal to accept the returned item.
– A copy of the store’s return policy.
– Any other documentation that may be reasonably requested by us or our administrator
to validate a claim.
• You must send the item to us or our administrator before any claim will be paid. Item
must be returned in its original packaging along with the original owner’s manuals and
warranty information. You are responsible for all mailing or shipping costs to us or our
administrator. Items sent to us or our administrator will not be returned to you.
Legal Disclosure:
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance
services may have associated costs, which will be your responsibility (for example, legal
referrals are free, but the lawyer’s fee is your responsibility).
The insurance benefits are provided under a group policy issued by AIG WarrantyGuard,
I
nc. This Guide to Benefits is a summary of benefits provided to you. The attached Key
Terms and EOC is governed by the Group Policy.
E
ffective date of benefits: Effective November 1, 2015, this Guide to Benefits
replaces all prior disclosures, program descriptions, advertising, and brochures by any
party. The Policyholder and the insurer reserve the right to change the benefits and
f
eatures of these programs at anytime. Notice will be provided for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or choose not to
renew the insurance coverage for all cardholders. If the Policyholder does cancel these
b
enefits, you will be notified in advance. If the insurance company terminates, cancels,
or chooses not to renew the coverage to the Policyholder, you will be notified as soon
as is practicable. Insurance benefits will still apply for any benefits you were eligible for
p
rior to the date of such terminations, cancellation, or non-renewal, subject to the terms
and conditions of coverage.
B
enefits to you: These benefits apply only to the cardholder whose cards are issued
by U.S. financial institutions. The United States is defined as the fifty (50) United States,
the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands.
N
o person or entity other than the cardholder shall have any legal or equitable right,
remedy, or claim for benefits, insurance proceeds and damages under or arising out of
these programs. These benefits do not apply if your card privileges have been cancelled.
H
owever, insurance benefits will still apply for any benefit you were eligible for prior to
the date that your account is suspended or cancelled, subject to the terms and conditions
of coverage.
T
ransfer of rights or benefits: No rights or benefits provided under these insurance
benefits may be assigned without the prior written consent of the claim administrator
for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed
or misrepresented any material facts concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is
an unresolved dispute concerning this EOC (including the cost of, lack of or actual repair
or replacement arising from a loss or breakdown). Under this Arbitration provision, You
g
ive up your right to resolve any dispute arising from this EOC by a judge and/or a jury.
You also agree not to participate as a class representative or class member in any class
action litigation, any class arbitration or any consolidation of individual arbitrations. In
a
rbitration, a group of three (3) arbitrators (each of whom is an independent, neutral
third party) will give a decision after hearing the parties’ positions. The decision of a
majority of the arbitrators will determine the outcome of the arbitration and the decision
o
f the arbitrators shall be final and binding and cannot be reviewed or changed by, or
appealed to, a court of law.
To start arbitration, the disputing party must make a written demand to the other party
f
or arbitration. This demand must be made within one (1) year of the earlier of the date
the loss occurred or the dispute arose. The parties will each separately select an
arbitrator. The two (2) arbitrators will select a third arbitrator called an “umpire.” Each
p
arty will each pay the expense of the arbitrator selected by that party. The expense of
the umpire will be shared equally by the parties. Unless otherwise agreed to by the
parties, the arbitration will take place in the county and state in which You live. The
a
rbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and
not by any state law concerning arbitration. The rules of the American Arbitration
Association (www.adr.org) will apply to any arbitration under this EOC. The laws of the
s
tate of New York (without giving effect to its conflict of law principles) govern all
matters arising out of or relating to this EOC and all transactions contemplated by this
EOC, including, without limitation, the validity, interpretation, construction, performance
a
nd enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish
any theft, loss or damage to the property insured under these programs. “Due diligence”
m
eans the performance of all vigilant activity, attentiveness, and care that would be
taken by a reasonable and prudent person in the same or similar circumstances in order
to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is
entitled to recover such amounts from other parties or persons. Any party or cardholder
w
ho receives payment under these benefits must transfer to the insurance company
his or her rights to recovery against any other party or person and must do everything
necessary to secure these rights and must do nothing that would jeopardize them, or
t
hese rights will be recovered from the cardholder.
Salvage: If an item is not repairable, the claim administrator may request that the
c
ardholder or gift recipient send the item to the administrator for salvage at the
cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage
to the claim administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other applicable
insurance or indemnity available to You. Coverage is limited to only those amounts not
c
overed by any other insurance or indemnity. It is subject to the conditions, limitations,
and exclusions described in this document. In no event will this coverage apply as
contributing insurance. This Other Insurance clause will take precedence over a similar
c
lause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-
contribution insurance clause will take precedence over the non-contribution clause
f
ound in any other insurance policies.
Severability of Provisions: If in the future any one or more of the provisions of this
Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable,
t
hen such provision(s) shall be deemed “severable” from the remaining provisions of the
Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
B
enefits listed in this Guide to Benefits are subject to the conditions, limitations, and
exclusions described in each benefit section. Receipt and/or possession of this Guide
to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case
of a conflict between the Guide and the master insurance policies, or an issuer’s, or the
MasterCard actual offerings, such master policies or actual offering shall control.
Provision of services is subject to availability and applicable legal restrictions.
B
C 544
Benefits—For Travel
What is MasterRental
®
Coverage?
Evidence of Coverage:
Pursuant to the below terms and conditions, when you rent a vehicle for thirty-one (31)
consecutive days or less with your covered card, you are eligible for benefits under this
coverage.
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear
in bold and Legal Disclosures.
To get coverage:
You must initiate and then pay for the entire rental agreement (tax, gasoline, and
airport fees are not considered rental charges) with your covered card and/or the
accumulated points from your covered card at the time the vehicle is returned. If a
rental company promotion/discount of any kind is initially applied toward payment of
the rental vehicle, at least one (1) full day of rental must be billed to your covered card.
You must decline the optional collision/damage waiver (or similar coverage) offered by
the rental company.
You must rent the vehicle in your own name and sign the rental agreement.
Your rental agreement must be for a rental period of no more than thirty-one (31)
consecutive days. Rental periods that exceed or are intended to exceed thirty-one (31)
consecutive days are not covered.
The rented vehicle must have a MSRP that does not exceed $100,000 USD.
The kind of coverage you receive:
We will pay for the following on a secondary basis:
• Physical damage and theft of the vehicle, not to exceed the limits outlined below.
• Reasonable loss of use charges imposed by the vehicle rental company for the
period of time the rental vehicle is out of service. Loss of use charges must be
substantiated by a location and class specific fleet utilization log.
• Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not cover such things as personal
injury, personal liability, or personal property. It does not cover you for any damages to
other vehicles or property. It does not cover you for any injury to any party.
Coordination of Benefits:
When MasterRental is provided on a secondary basis and a covered loss has occurred
the order in which benefits are determined is as follows:
1. You or an authorized driver’s primary auto insurance;
2. Collision/damage waiver provided to you by the rental agency;
3. Any other collectible insurance;
4. The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other coverage has made
payments for a covered loss, we will cover your deductible and any other eligible
a
mounts, described in the section “The kind of coverage you receive,” not covered by
the other insurance.
Note: In certain parts of the United States and Canada, losses to rental vehicles that
a
re covered by your personal vehicle insurance policy liability section may not be subject
to a deductible, which means that you may not receive any benefits from this program.
Contact your insurance provider for full coverage details pertaining to your personal
v
ehicle liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover you in territories or
c
ountries outside of the United States, coverage is considered primary coverage.
Who is covered:
T
he covered card cardholder and those designated in the rental agreement as
authorized drivers.
Excluded rental vehicles:
• All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited
t
o, Ford EconoVan), cargo vans, campers, off-road vehicles, and other recreational
vehicles.
• All sport utility trucks. These are vehicles that have been or can be converted to an
o
pen, flat bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and
C
adillac Escalade EXT).
• Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four
(
4) wheels.
• Antique vehicles (vehicles that are more than twenty (20) years old or have not been
m
anufactured for at least ten (10) years) or limousines.
• Any rental vehicle that has a MSRP that exceeds $100,000 USD.
Where you are covered:
Coverage is available worldwide.
C
overage is not available in countries where:
• This EOC is prohibited by that country’s law; or
• The terms of the EOC are in conflict with the laws of that country.
Coverage limitations:
W
e will pay the lesser of the following:
a) The actual repair amount;
b) Wholesale market value less salvage and depreciation;
c) The rental agency’s purchase invoice less salvage and depreciation; or
d
) $100,000 USD.
In addition, coverage is limited to $500 per incident for reasonable loss of use charges
imposed by the vehicle rental company for the period of time the rental vehicle is out
o
f service.
We will not pay for or duplicate the collision/damage waiver coverage offered by the
rental agency.
What is NOT covered:
• A
ny personal item stolen from the interior or exterior of rental vehicles.
• Vehicle keys or portable Global Positioning Systems (GPS).
• Vehicles not rented by the cardholder or authorized user on the covered card.
• Any person not designated in the rental agreement as an authorized driver.
• A
ny obligations you assume other than what is specifically covered under the rental
agreement or your primary vehicle insurance or other indemnity policy.
• A
ny violation of the written terms and conditions of the rental agreement.
• Any loss that occurs while driving under the influence of drugs or alcohol.
• Any loss associated with racing or reckless driving.
• Losses involving the theft of the rental vehicle when you or an authorized driver
cannot produce the keys to the rental vehicle at the time of reporting the incident to
t
he police and/or rental agency, as a result of negligence.
• M
echanical failures caused by wear and tear, gradual deterioration, or mechanical
breakdown.
• Subsequent damages resulting from a failure to protect the rental vehicle from further
d
amage.
• Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result
o
f a vehicle collision causing tire or rim damage.
• Rental vehicles where collision/damage waiver coverage (or similar coverage) was
accepted/purchased by you.
• Any damage that is of an intentional or non-accidental nature, caused by you or an
authorized driver of the rental vehicle.
• Depreciation, diminishment of value, administrative, storage, or other fees charged by
the vehicle rental company.
• Vehicles with a rental agreement that exceeds or is intended to exceed a rental
period of thirty-one (31) consecutive days from a rental agency.
• Losses resulting from any kind of illegal activity.
• Damage sustained on any surface, other than a bound surface such as concrete or
tarmac.
• Damage sustained on any road not regularly maintained by a municipal, state, or
federal entity.
• Losses as a result of war or hostilities of any kind (including, but not limited to,
invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or
damage by any government, public authority, or customs official; risks of contraband;
illegal activity or acts.
• Any loss involving the rental vehicle being used for hire, for commercial use, or as a
public or livery conveyance.
• Theft of, or damage to, unlocked or unsecured vehicles.
• Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
How to file a claim:
• Call 800.MASTERCARD to request a claim form. You must report the claim within sixty
(60) days of the loss or the claim may not be honored.
• You may choose to assign your benefits under this insurance program to the rental
agency from which you rented your vehicle. Please contact us or our administrator
for further details.
• Submit the following documentation within one hundred and eighty (180) days of the
incident or the claim will not be honored:
– Completed and signed claim form.
– Receipt showing the vehicle rental.
– Statement showing the vehicle rental.
– The rental agreement (front and back).
– Copy of Your valid driver’s license (front and back).
– Copy of the declarations page of any primary vehicle insurance and other valid
insurance or coverage.
– Police report when the vehicle is stolen, vandalized (regardless of the damage),
or involved in a collision that requires the vehicle to be towed, in a multi-vehicle
collision, or the vehicle is not drivable.
– Itemized repair estimate from a factory authorized collision repair facility.
– Copy of the vehicle rental company promotion/discount, if applicable.
– Copy of the vehicle rental location class specific fleet utilization log, if loss of use
charges are being claimed. You must secure this log from the rental agency.
–
Any other documentation that may be reasonably requested by us or our administrator
to validate a claim.
BC 948
What is Worldwide Automatic Travel
A
ccident, Baggage Delay, Medical
Evacuation & Repatriation, and Trip
Cancellation/Interruption Insurance?
The Plan:
As a MasterCard Cardholder, you, your spouse or domestic partner and unmarried
d
ependent children will be automatically insured against accidental loss of life, limb,
sight, speech or hearing while riding as a passenger in, entering or exiting any licensed
common carrier, provided the entire cost of the passenger fare(s), less redeemable
c
ertificates, vouchers or coupons, has been charged to your MasterCard Card account.
If the entire cost of the passenger fare has been charged to your MasterCard account
prior to departure for the airport, terminal or station, coverage is also provided for
c
ommon carrier travel (including taxi, bus, train or airport limousine); immediately,
a) preceding your departure, directly to the airport, terminal or station b) while at the
airport, terminal or station, and c) immediately following your arrival at the airport,
t
erminal or station of your destination. If the entire cost of the passenger fare has not
been charged prior to your arrival at the airport, terminal or station, coverage begins at
the time the entire cost of the travel passenger fare is charged to your MasterCard
a
ccount. This coverage does not include Commutation. Commutation is defined as
travel between the Insured Person’s residence and regular place of employment.
Common Carrier means any land, water or air conveyance operated by those whose
o
ccupation or business is the transportation of persons without discrimination and for
hire.
Important Definitions:
Accident or Accidental means a sudden, unforeseen and unexpected event happening
by chance. Dependent Child(ren) means those children, including adopted children and
c
hildren placed for adoption, who are primarily dependent upon the Insured Person for
m
aintenance and support and who are: 1) under the age of twenty-five (25) and reside
with the Insured Person: or 2) beyond the age of twenty-five (25), permanently mentally
or physically challenged, and incapable of self support; or 3) under the age of twenty-
f
ive (25) and classified as a full-time student at an institution of higher learning.
Domestic Partner means a person designated in writing by the primary insured person,
who is at least eighteen (18) years of age, and who during the past twelve (12) months:
1
) has been in a committed relationship with the primary insured person; and 2) has
been the primary insured person’s sole spousal equivalent; and 3) has resided in the
same household as the primary insured person; and 4) been jointly responsible with the
p
rimary insured person for each other’s financial obligation, and who intends to continue
the relationship above indefinitely.
The Benefits:
T
he full Benefit Amount of $500,000 is payable for accidental loss of life, two or more
members, sight of both eyes, speech and hearing or any combination thereof. One half
of the Benefit Amount is payable for accidental loss of: one member, sight of one eye,
s
peech or hearing. “Member” means hand or foot. One quarter of the Benefit Amount
is payable for the accidental loss of the thumb and index finger of the same hand. “Loss”
means, with respect to a hand, complete severance through or above the knuckle joints
o
f at least 4 fingers on the same hand; with respect to a foot, complete severance
through or above the ankle joint. The Company will consider it a loss of hand or foot
even if they are later reattached. “Benefit Amount” means the Loss amount applicable
a
t the time the entire cost of the passenger fare is charged to the eligible MasterCard
account. The loss must occur within one year of the accident. The Company will pay the
single largest applicable Benefit Amount. In no event will duplicate request forms or
m
ultiple charge cards obligate the Company in excess of the stated Benefit Amounts
for any one loss sustained by any one individual insured as the result of any one accident.
In the event of multiple accidental deaths per account arising from any one accident,
t
he Company’s liability for all such losses will be subject to a maximum limit of insurance
equal to three (3) times the Benefit Amount for loss of life. Benefits will be
proportionately divided among the Insured Persons up to the maximum limit of
i
nsurance.
Baggage Delay:
W
e will reimburse the Insured Person up to the Daily Benefit Amount of $100 per day
for three (3) days in the event of a Baggage Delay. Our payment is limited to expenses
incurred for the emergency purchase of essential items needed by the Insured Person
w
hile on a covered trip and at a destination other than the Insured Person’s primary
residence. Essential items not covered by Baggage Delay include, but are not limited to:
1) contact lenses, eyeglasses or hearing aids; 2) artificial teeth, dental bridges or
p
rosthetic devices; 3) tickets, documents, money, securities, checks, travelers checks
and valuable papers; or 4) business samples. The Baggage Delay Benefit Amount is
excess over any other insurance (including homeowners) or indemnity (including any
r
eimbursements by the airline, cruise line, railroad, station authority, occupancy provider)
available to the Insured Person. Baggage Delay means a delay or misdirection of the
Insured Person’s Baggage by a Common Carrier for more than four (4) hours from the
t
ime the Insured Person arrives at the destination on the Insured Person’s ticket.
Medical Evacuation & Repatriation:
We will pay up to the Medical Evacuation and Repatriation Benefit Amount of $100,000
f
or Covered Expenses if Accidental Bodily Injury, illness or disease during the course of
the Insured Person’s Covered Trip results in the necessary Medical Evacuation and/or
Repatriation of the Insured Person and the Insured Person is at least 50 miles from
h
ome. Coverage is twenty-four (24) hours a day while on a trip that begins and ends
with a Common Carrier fare and is activated when travel begins on the departure date
printed on the Common Carrier ticket and ends on the return date printed on the
Common Carrier ticket.
The Medical Evacuation and Repatriation must be ordered by a Physician, who certifies
that the transportation and medical treatment are necessary and appropriate. The
Medical Evacuation and Repatriation must be approved by the Assistance Services
Administrator.
Medical Evacuation means the emergency transportation of the Insured Person from
the location where the Insured Person is injured or becomes ill to the nearest hospital
where appropriate medical treatment can be obtained. Repatriation means the transfer
of the Insured Person, from the local hospital where the emergency medical care is
initially given to the Insured Person’s country of domicile or to the Insured Person’s
residence to obtain further medical treatment or to recover. Repatriation also means
the necessary arrangements for the return of the Insured Person’s remains to the Insured
Person’s place of residence in the event of the Insured Person’s Loss of Life. Assistance
Services Administrator means the organization that contracts with the Company to
provide Medical Evacuation and Repatriation services to the Insured Person.
Covered Expenses means the costs for: 1) transportation by land, water or air
conveyance, required to transport the Insured Person during a Medical Evacuation. All
transportation arrangements made for the Insured Person will be by the most direct
and economical route. Special transportation by, but not limited to, air ambulances, land
ambulances and private motor vehicles must be recommended by the attending
Physician or required by the standard regulations of the conveyance transporting the
Insured Person. The means of transportation that is best suited to accommodate the
Insured Person, based on the seriousness of the Insured Person’s condition, will be
utilized. 2) medical supplies and services which: a) are ordered or prescribed by the
attending Physician; b) are, in the opinion of the attending Physician, necessarily incurred
in connection with the Medical Evacuation of the Insured Person. Covered Expenses for
Repatriation include the necessary expenses for embalming, cremation, transportation
and purchase of a shipping container.
Covered Expenses do not include those expenses incurred by an Insured Person for
Accidental Bodily Injury, illness or disease, which occurs while the Insured Person is:
1) traveling against the advice of a Physician; and/or 2) traveling for the purpose of
obtaining medical treatment; or 3) on a trip lasting in excess of 180 days. With respect
to Medical Evacuation and Repatriation only, the Disease or Illness Exclusion does
not apply.
This benefit will also include a guaranteed payment of up to $5,000 for hospital
admission; family travel expense of up to $100 per day for a maximum of 7 days for an
immediate family member to join an insured person who is confined to a hospital for
more than three (3) days at a hospital that is at least fifty (50) miles from the insured
person’s permanent residence; and up to $5,000 for return of dependent child to his or
her primary residence if the child was traveling with an insured person who requires a
hospital stay of more than five (5) days. The medical evacuation or repatriation, and all
transportation expenses for family travel and return of dependent child must be arranged
by the Assistance Services Administrator.
Covered Trip means travel on a Common Carrier when the entire cost of the passenger
fare for such transportation, less redeemable certificates, vouchers or coupons, has been
charged to an Insured Person’s Account issued by the Policyholder. Covered Trip also
means travel on a Common Carrier when free flights have been awarded from frequent
flier or points programs provided that all of the miles or points were accumulated from
c
harges on that card.
Hospital Guaranty means any charge or expense made by a Hospital prior to and as a
c
ondition of the Insured Person’s admission.
Family Travel Expense means actual costs incurred by an Immediate Family Member
for the temporary lodging, transportation and meals while traveling to and from visits
w
ith an Insured Person.
Immediate Family Member means the Insured Person’s: (1) spouse; (2) children,
i
ncluding legally adopted children or step-children; (3) legal guardians or wards;
(4) siblings or siblings-in-law; (5) parents or parents-in-law; (6) grandparents or
grandchildren; (7) aunts and uncles; (8) nieces and nephews. Immediate Family Member
a
lso means spouse’s children, including adopted or step-children; legal guardians or
wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or
grandchildren; aunts or uncles; nieces or nephews.
Financial Services Trip Cancellation/Interruption:
In the event of the Insured Person’s Trip Cancellation or Trip Interruption, we will pay up
to the Trip Cancellation/Trip Interruption Benefit Amount of $1,500. Our payment will
n
ot exceed either: 1) the actual Non−Refundable amount paid by the Insured Person for
a Common Carrier passenger fare(s); or $1,500. The Insured Person will relinquish to us
any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed
t
he Insured Person. The Trip Cancellation or Trip Interruption of the Insured Person must
be caused by or result from: 1) death, Accidental injury, disease or physical illness of the
Insured Person or an Immediate Family Member of the Insured Person; or 2) default of
t
he Common Carrier resulting from Financial Insolvency. The death, Accidental injury,
disease or physical illness must be verified by a Physician and must prevent the Insured
Person from traveling on a Covered Trip. With respect to Financial Services Common
C
arrier Trip Cancellation/Trip Interruption only, this insurance does not apply to loss
caused by or resulting from: 1) a Pre-Existing Condition; or 2) Accidental Bodily Injuries
a
rising from participation in interscholastic or professional sports events, racing or
speed contests, or uncertified scuba diving; or 3) cosmetic surgery, unless such cosmetic
surgery is rendered necessary as a result of a loss covered under this policy; or 4) the
Insured or an Immediate Family Member being under the influence of drugs (except
t
hose prescribed and used as directed by a Physician) or alcohol; or 5) the Insured or an
Immediate Family Member: a) traveling against the advice of a Physician; or b) traveling
while on a waiting list for specified medical treatment; or c) traveling for the purpose
o
f obtaining medical treatment; or d) traveling in the third trimester (seventh month or
after) of pregnancy. Covered Trip means travel on a Common Carrier when the entire
cost of the passenger fare for such transportation, less redeemable certificates,
v
ouchers or coupons, has been charged to an Insured Person’s Account issued by the
Policyholder. Covered Trip also means travel on a Common Carrier when free flights
have been awarded from frequent flier or points programs provided that all of the miles
o
r points were accumulated from charges on that card.
Financial Insolvency means the inability of the entity to provide travel services
b
ecause it has ceased operations either following the filing of a petition for bankruptcy,
whether voluntary or involuntary, or because it has ceased operations as a result of a
denial of credit or the inability to meet financial obligations. Non–refundable means
a
mount of money paid by or on behalf of the Insured Person for a Covered Trip which
will be forfeited under the terms of the agreement made with the Common Carrier for
unused travel arrangements and for which a travel agent or travel supplier will not
p
rovide any other form of compensation. Immediate Family Member means the
Insured Person’s: 1) Spouse or Domestic Partner; 2) children, including adopted children
or step-children; 3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or
p
arents-in-law; 6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and
nephews. Immediate Family Member also means a Spouse’s or Domestic Partner’s
children, including adopted children or step-children; legal guardians or wards; siblings
o
r siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or
uncles; nieces or nephews. Pre−Existing Condition means Accidental injury, disease
or illness of the Insured Person or Immediate Family Member of the Insured Person
w
hich occurs or manifests itself during the sixty (60) day period immediately prior to
the purchase date of a Common Carrier passenger fare(s). Disease or illness has
manifested itself when: 1) medical care or treatment has been given; or 2) there exists
s
ymptoms which would cause a reasonably prudent person to seek medical diagnosis,
care or treatment. The taking of prescription drugs or medication for a controlled
condition throughout this sixty (60) day period will not be considered to be a
m
anifestation of illness or disease. Trip Cancellation means the cancellation of
Common Carrier travel arrangements when the Insured Person is prevented from
traveling on a Covered Trip on or before the Covered Trip departure. Trip Interruption
m
eans the Insured Person’s Covered Trip is interrupted either on the way to the point
of departure or after the Covered Trip departure. With respect to Financial Services
Common Carrier Trip Cancellation/Trip Interruption only, the Disease or Illness Exclusion
#
1 below does not apply.
Eligibility:
This travel insurance plan is provided to MasterCard cardholders automatically when
the entire cost of the passenger fare(s) are charged to a MasterCard account while the
i
nsurance is effective. It is not necessary for you to notify your financial institution, the
administrator or the Company when tickets are purchased.
The Cost:
This travel insurance plan is provided at no additional cost to eligible MasterCard
cardholders. Your financial institution pays the premium for this insurance.
Beneficiary:
The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no
such designation has been made, that benefit will be paid to the first surviving
beneficiary in the following order: a) the Insured’s spouse, b) the Insured’s children,
c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All
other indemnities will be paid to the Insured.
Exclusions:
This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma,
mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral
infection (except bacterial infection caused by an accident or from accidental
consumption of a substance contaminated by bacteria), or bodily malfunctions;
2) suicide, attempted suicide or intentionally self-inflicted injuries; 3) declared or
undeclared war, but war does not include acts of terrorism. This insurance also does
not apply to an accident occurring while an Insured is acting or training as a pilot or
crew member, but this exclusion does not apply to passengers who temporarily perform
pilot or crew functions in a life-threatening emergency.
Claim Notice:
Written claim notice must be given to the Company within 20 days after the occurrence
of any loss covered by this policy or as soon as reasonably possible. Failure to give notice
within 20 days will not invalidate or reduce any otherwise valid claim if notice is given
as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of
a claim, the Company will send you forms for giving proof of loss to us within 15 days.
If you do not receive the forms, you should send the Company a written description of
the loss. CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within
90 days after the date of loss, or as soon as reasonably possible. Failure to give complete
proof of loss within these time frames will not invalidate any otherwise valid claim if
notice is given as soon as reasonably possible and in no event later than 1 year after
the deadline to submit complete proof of loss. CLAIM PAYMENT: For all benefits, the
Company will pay you or your beneficiary the applicable benefit amount within 60 days
after complete proof of loss is received and if you, the Policyholder and/or the
beneficiary have complied with all the terms of this policy.
How to File a Claim:
To file a claim, please call 800.MASTERCARD. Claims are processed by the Claim
Administrator, Crawford and Company. Complete all items on the required claim form,
attach all appropriate documents, and mail or fax to: Crawford and Company, P.O. Box
4090, Atlanta, GA 30302, Fax Number 855.830.3728. Once a claim number is assigned,
supporting documentation for the claim can also be submitted through
Myclaimsagent.com.
Effective Date:
This insurance is effective on the date that you become an eligible cardholder; and will
cease on the date the Master Policy 6477-44-67 is terminated or on the date your
account ceases to be eligible, whichever occurs first.
As a handy reference guide, please read this and keep it in a safe place with your other
insurance documents. This description of coverage is not a contract of insurance but is
simply an informative statement of the principal provisions of the insurance while in
effect. Complete provisions pertaining to this plan of Insurance are contained in the
master policy on file with the Policyholder: Financial Customer Insurance Trust. If this
15
