Banner Bank Mastercard Cardholder TruRewards Credit Benefits

Mastercard

Guide

to Beneﬁts

for Credit Cardholders

Banner Bank Mastercard Cardholder

TruRewards Credit Beneﬁts

Important information. Please read and save.

This Guide to Beneﬁts contains detailed information about

the beneﬁts you can access as a preferred cardholder. This

Guide supersedes any Guide or program description you may

have received earlier.

For more information on any of these services, call the

Mastercard Assistance Center at

1-800-Mastercard: 1-800-627-8372, or

en Español: 1-800-633-4466.

“Card” refers to Mastercard® card and “Cardholder”refers to a

Mastercard® cardholder.

Key Terms

Throughout this document, you and your refer to the

Cardholder. We, us, and our refer to New Hampshire

Insurance Company, an AIG company, New York, NY.

Account Holder means a person to whom an Eligible

Account is issued and who holds the Eligible Account

under his or her name.

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 may be reached by

phone at 1-800-Mastercard.

Authorized User means a person who is recorded as an

authorized user of an Eligible Account by the Account

Holder and who is authorized by the Account Holder to

make payments to the Eligible Account.

Cardholder means the Account Holder or Authorized

User of an Eligible Account in good standing.

Covered Card means the Mastercard® card linked to

your Eligible Account.

Eligible Account means the account associated with the

Cardholder’s U.S. issued credit card, debit card, checking

account, line of credit, loan, certiﬁcate of deposit or

other account that is eligible for coverage under the

Group Policy.

Eligible Cellular Wireless Telephones means the

cellular telephones associated with the primary line and

additional or supplemental lines on the Eligible Person’s

monthly billing statement from a cellular provider for the

billing cycle preceding the month in which the theft or

damage occurred.

Eligible Person means a Cardholder who charges his

or her monthly bill for an Eligible Cellular Wireless

Telephone to his or her Covered Card. No person or

entity other than the Eligible Person(s) described shall

have any legal or equitable right, remedy or claim for the

insurance proceeds arising out of this coverage.

Evidence of Coverage (EOC) means the summary of

beneﬁts set forth below which describe the terms,

conditions, limitations and exclusions of the coverage

provided to you at no additional charge under the Group

Policy. Representations or promises made by anyone

that are not contained in the Group Policy are not part of

your coverage. In the event the EOC, Key Terms, or Legal

Disclosures of this Guide to Beneﬁts conﬂict with the

provisions of the Group Policy, the terms of the Group

Policy govern your coverage.

Group Policy means the Cellular Protection Insurance

Policy entered between New Hampshire Insurance

Company, an AIG Company, and Mastercard Insurance

Master Trust, which is the subject of this Guide to

Beneﬁts.

Mysteriously Disappear means the vanishing of an item

in an unexplained manner where there is absence of

evidence of a wrongful act by a person or persons.

Stolen means taken by force and/or under duress or

a loss which involves the disappearance of an Eligible

Cellular Wireless Telephone from a known place under

circumstances that would indicate the probability of theft

and for which a police report was ﬁled within forty-eight

hours of the theft.

Mastercard ID Theft Protection™

Program Description:

Mastercard ID Theft Protection (IDT) provides you with

access to a number of Identity Theft resolution services,

should you believe you are a victim of Identity Theft. This

product oering will alert you about possible identity

theft by monitoring the surface, dark and deep web,

searching for compromised credentials and potentially

damaging use of your registered personal information in

order to detect fraud at its inception.

Eligibility:

All Mastercard consumer credit cardholders in the US are

eligible for this coverage.

Access:

Simply contact 1-800-Mastercard 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. In order to receive the following services, you must

enroll at https://mastercardus.idprotectiononline.com/.

The services include:

Online Monitoring Dashboard (requires activation):

The online monitoring dashboard is the primary user

interface for cardholders. It serves as a repository of

all the personally identiﬁable information (PII) data

the cardholder wants to monitor, tracks and displays

cardholders’ risk score, and provides access to identity

protection tips. It is also the platform for cardholders to

respond to identity monitoring alerts.

Monthly Risk Alert / Newsletter: Cardholders will

receive a monthly newsletter with information on the

cardholder’s risk score, and articles pertaining to good

identity protection practices.

Identity Monitoring: IDT searches the internet to detect

compromised credentials and potentially damaging use

of your personal information, and alerts you via email so

that you can take immediate action. This platform utilizes

automated monitoring and human threat intelligence

from cyber operations agents monitoring threat actors

and their tactics on the deep and dark web where

personal data is bought and sold. Data elements that can

be monitored are:

• Email addresses

• Debit/credit cards/prepaid cards

• Bank accounts

• Web logins; username and password

• Medical insurance cards

• Drivers’ license

• Loyalty cards

• Anity cards

• Passport number

• Vehicle insurance cards

• Social Security number

To take advantage of this service, the cardholder must

enter the personal information they wish to monitor on

the dashboard.

Resolution Services: You will have access to a team of

identity theft resolution specialists, available 24 hours a

day, 365 days a year to help resolve your identity theft

incident and prevent further damage. The resolution

specialists are native speakers of English, French and

Spanish, and are based out of Bethesda, Maryland.

Cardholders are given the option to sign limited power

of attorney (LPOA) to the specialist, to allow them to

conduct resolution activities on the cardholders’ behalf,

including contacting police, credit agencies, and other

authorities, translating information, and closing and

replacing breached accounts.

Lost Wallet Assistance: Cardholders will be provided

assistance with notifying the appropriate issuing

authorities to cancel and replace stolen or missing items,

such as their debit/credit cards, driver’s license, Social

Security card, and passport.

Single Bureau Credit Monitoring: Cardholders’

TransUnion credit ﬁle will be monitored for changes

that could indicate fraud such as new credit inquiries, an

address change or new credit account(s) opened in their

name. An alert notiﬁcation via email will be sent anytime

a hard inquiry is made on the cardholders’ TransUnion

credit ﬁle so they can take immediate action to minimize

damage.

To take advantage of this service, the cardholder must

enter their Social Security number on the dashboard and

pass credit authentication.

Financial Account Takeover: IDT monitors cardholder’s

high-risk transactions with more than 300 of the nation’s

largest companies to uncover and thwart account

takeover attempts. Monitored transactions include:

• Debit/credit cards/prepaid cards

• Bank accounts

• Brokerage accounts

• Healthcare portals

• Workplace intranets

• Other services (e.g. peer-to-peer fund transfers)

To take advantage of this service, the cardholder

must enter the accounts they wish to protect on the

dashboard.

URL and Domain Monitoring: URL and Domain

monitoring allows Cardholder to enter up to 10 domain

or URL names related to cardholder’s business. This

service will monitor the domain and URL names for

any compromised email addresses associated with

the domain or URL names and if compromised email

addresses are found in a data breach, this service will

alert the registered cardholder via email and provide

information regarding the speciﬁc email address that was

breached along with information about the date found

and source (provided that this information is available.)

For more information regarding the services stated

above and additional information, please visit https://

mastercardus.idprotectiononline.com/.

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 Mastercard ID Theft

Protection:

This service applies only to you, the named Mastercard

cardholder. You shall use due diligence and do all

things reasonable to avoid or diminish any loss or

damage to property protected by the program. The

provider, Generali Global Assistance, relies on the truth

of statement made in the adavit or declaration from

each cardholder. This service is provided to eligible

Mastercard cardholders at no additional cost and is in

eect for acts occurring while the program is in eect.

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. Mastercard 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 substantially

similar coverage takes eect without interruption, no

such notice is necessary. For general questions regarding

these services, please contact 1-800-Mastercard.

Mastercard Global Service

Mastercard Global Service™ provides worldwide, 24-

hour assistance with Lost and Stolen Card Reporting,

Emergency Card Replacement, and Emergency Cash

Advance.

Call Mastercard Global Service immediately to report

your card lost or stolen and to cancel the account. If you

need to make purchases or arrange for a cash advance,

with your issuer’s approval, you can receive a temporary

card the next day in the United States, and within two

business days almost everywhere else.

Remember, if you report your card lost or stolen, you will

not be responsible for any unauthorized transactions on

your account.

In the United States (including all 50 states, the District

of Columbia, the U.S. Virgin Islands, and Puerto Rico) and

Canada, call 1-800-307-7309.

When out-of-country and in need of assistance, you can

easily reach a specially trained Mastercard Global Service

Representative who can help you 24 hours a day, 365

days a year, in any language. You can call toll-free from

over 80 countries worldwide. Some of the key toll-free

Mastercard Global Service telephone numbers are:

Australia ............1-800-120-113 Mexico ....... 001-800-307-7309

Austria .............0800-070-6138 Netherlands .....0800-022-5821

France ............. 0-800-90-1387 Poland ............0-0800-111-1211

Germany .........0800-071-3542 Portugal ................800-8-11-272

Hungary ...............06800-12517 Spain ......................900-822-756

Ireland .............. 1-800-55-7378 United Kingdom 0800-96-4767

Italy ...................... 800-870-866 Virgin Islands . 1-800-307-7309

For additional information, or for country-speciﬁc,

toll-free telephone numbers not listed above, visit our

website at www.mastercard.com or call the United

States collect at 1-636-722-7111.

Account Information and Card Beneﬁts:

When in the United States, contact your card issuer

directly for account information and 1-800-Mastercard

for card beneﬁts. When traveling outside the U.S., call

Mastercard Global Service to access your card issuer

for account information or to access any of your card

beneﬁts.

ATM Locations:

Call 1-877-FINDATM (1-877-346-3286) to ﬁnd the

location of a nearby ATM in the Mastercard ATM Network

accepting Mastercard

, Maestro

, and Cirrus

brands.

Also, visit our website at www.mastercard.com to use

our ATM locator.

You can get cash at over two million ATMs worldwide.

To enable cash access, be sure you know your Personal

Identiﬁcation Number (PIN) before you travel.

Mastercard Airport Concierge™

Your passport to the ﬁner side of air travel.

Enjoy a 15% savings on Airport Meet and Greet services.

Arrange for a personal, dedicated Meet and Greet agent

to escort you through the airport on departure, arrival

or any connecting ﬂights at over 700 destinations

worldwide 24 hours a day, 7 days a week, 365 days a

year. There are also certain airports where you can be

expedited through the security and/or the immigration

process. To reserve Mastercard Airport Concierge

services visit www.mastercard.com/airportconcierge or

consult your Travel Advisor.

Worldwide Automatic Travel Accident &

Baggage Delay

Banner Bank cardholders can beneﬁt from the security and

safety oered through Worldwide Automatic Travel Accident

and Baggage Delay Insurance. If you charge the entire cost

of travel passenger fare to your Banner Bank Commercial

or Commercial Rewards card, you, your spouse, and your

dependent child(ren) automatically will be insured against

accidental loss of life, limb, sight, speech, or hearing; and,

if your baggage is delayed, you will be reimbursed for the

emergency purchase of essential items up to a maximum of

$300.

Key terms:

• You or yours means a Banner Bank cardholder.

• Baggage delay means a delay or misdirection of the

cardholder’s property by a common carrier for more

than four (4) hours from the time when the cardholder

arrives at the destination on the cardholder’s ticket.

• Beneﬁt amount means the loss amount applicable at the

time the entire cost of the passenger fare(s) is charged

to your Banner Bank card account. The loss must occur

within one year of the accident.

• Common carrier means any land, water, or air

conveyance operated by those whose occupation

or business is the transportation of persons without

discrimination and for hire.

• Commutation is deﬁned as travel between the

cardholder’s residence and regular place of

employment.

• Dependent child(ren) means those children, including

adopted children and children placed for adoption,

who are primarily dependent upon the cardholder for

maintenance and support and who are: 1) under the

age of twenty-ﬁve (25) and reside with the cardholder:

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-ﬁve (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 cardholder; and 2) has been the primary

cardholder’s sole spousal equivalent; and 3) has resided

in the same household as the primary cardholder; and

4) been jointly responsible with the primary cardholder

for each other’s ﬁnancial obligation, and who intends to

continue the relationship above indeﬁnitely.

• Loss means, with respect to a hand, complete severance

throughout or above the knuckle joints of at least

four ﬁngers on the same hand; with respect to a foot,

complete severance through or above the ankle joint.

The insurer will consider it a loss of a hand or foot even if

they are later reattached.

• Member means a hand or foot.

• Spouse includes a domestic partner who is at least 18

years of age and who, during the past 12 months (1)

has been in a committed relationship with the primary

cardholder, (2) has been the cardholder’s sole spousal

equivalent, (3) has resided in the same household as the

cardholder, and (4) has jointly been responsible with the

cardholder for each other’s ﬁnancial obligations and

who intends to continue the relationship indeﬁnitely.

Eligibility:

• You must charge the entire cost of the passenger fare(s)

to your Banner Bank Commercial or Commercial

Rewards card account, less redeemable certiﬁcates,

vouchers, coupons, or free ﬂights awarded from

frequent ﬂier cards.

• If the entire cost of the passenger fare has been charged

to your Banner Bank Commercial or Commercial

Rewards card prior to departure for the airport, terminal,

or station, coverage also is provided for common 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, terminal, 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 Banner Bank

Commercial or Commercial Rewards card account.

• It is not necessary for you to notify the administrator or

the insurance company when tickets are purchased.

Travel Accident Beneﬁts:

• The full Beneﬁt Amount of $250,000 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, speech or

hearing.

• One quarter of the Beneﬁt Amount is payable for the

accidental loss of the thumb and index ﬁnger of the

same hand. The Company will consider it a loss of hand

or foot even if they are later reattached.

Beneﬁciary:

The Loss of Life beneﬁt will be paid to the beneﬁciary

designated by the cardholder. If no such designation has

been made, that beneﬁt will be paid to the ﬁrst surviving

beneﬁciary in the following order: a) the cardholder’s spouse,

b) the cardholder’s children, c) the cardholder’s parents, d)

the cardholder’s brothers and sisters, e) the cardholder’s

estate. All other indemnities will be paid to the cardholder.

Baggage Delay Beneﬁts:

• We will reimburse the cardholder 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

cardholder while on a covered trip and at a destination

other than the cardholder’s primary residence.

• The Baggage Delay Beneﬁt Amount is excess over any

other insurance (including homeowners) or indemnity

(including any reimbursements by the airline, cruise line,

railroad, station authority, occupancy provider) available

to the Banner Bank Mastercard cardholder.

Coverage limitations:

• The insurer will pay the single largest applicable beneﬁt

amount. In no event will duplicate request forms or

multiple charge cards obligate the insurance 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 deaths per credit card account

arising from any one accident, the insurer’s liability for

all such losses will be limited to a maximum limit of

insurance equal to three times the applicable beneﬁt

amount for loss of life. Beneﬁts will be proportionately

divided among the insured persons, up to the maximum

limit of the insurance.

What is NOT covered:

• Loss resulting from your 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

• Suicide, attempted suicide, or intentionally self-inﬂicted

injuries.

• Declared or undeclared war, but war does not include

acts of terrorism.

• 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.

• 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

prosthetic devices; 3) tickets, documents, money,

securities, checks, travelers checks and valuable papers;

or 4) business samples

• This coverage does not include commutation.

How to ﬁle a claim for Worldwide Automatic Travel

Accident and Baggage Delay Insurance coverage:

To ﬁle a claim please call 1-800-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.

Claim Notice, Forms and Payment:

• Claim Notice: written notice must be given 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 Insurance Company receives

notice of a claim, the Insurance 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 Insurance

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 Insurance 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.

Eective Date:

This insurance is eective 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.

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 eect. 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 plan does not conform to

your state statutes, it will be amended to comply with such

laws. If a statement in this description of coverage and any

provision in the policy dier, the policy will govern.

Answers to speciﬁc questions can be obtained by writing the

Plan Administrator: Direct Marketing Group 13265 Bedford

Avenue, Omaha, NE 68164

Travel Assistant Services

Rely on Travel Assistance Services when you’re away

from home.

Travel 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

place for the ﬁrst time or not speaking the language. For

services, call 1-800-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 professional 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,

or 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. The exchange rate provided

may dier 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. MasterTrip 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.

If 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.

This service does not provide maps or information

regardingroad 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 to local

laws).

In the event of emergencies, a stateside physician or

nurse can be contacted for consultation with the local

medical sta 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 bedside 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 embassies and consulates

regarding your situation.

Will assist in transfers up to $5,000 in cash from a family

member, friend or business to 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

1-800-Mastercard and tell us where you are.

We’ll send someone to the rescue. This is not only

reassuring, but it may also save you money because fees

for many services (jumpstarts, towing, gas delivery, and

tire changes) are pre5 negotiated. Road service fees will

be automatically billed to your Mastercard account.

You 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 service 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 “o road” areas not accessible

by ordinary towing vehicles, or for over one-ton

capacity trailers, campers or If you have a rental car,

be sure to call the rental car agency before you call

1-800-Mastercard, as many rental agencies have

special procedures regarding emergency road service

assistance.

MasterRental

Various provisions in this document restrict coverage.

Read the entire document carefully to determine all

rights and duties and what is and is not covered.

Key Terms

Please see the ‘Key Terms’ section for the terms used

throughout this beneﬁt.

Evidence of Coverage

This EOC replaces all prior disclosures, program

descriptions, advertising, and brochures by any other

party. We reserve the right to change the beneﬁts and

features of these programs at any time. Notice will be

provided for any changes.

Pursuant to the below terms and conditions herein,

when you

rent a vehicle for one (1) to ﬁfteen (15) consecutive

days or less with your covered card, you are eligible for

beneﬁts hereunder.

A. 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) oered 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 one (1) to ﬁfteen (15) consecutive days. Rental

periods that exceed or are intended to exceed ﬁfteen (15)

consecutive days are not covered.

B. 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 alocation 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.

C. Coordination of Beneﬁts:

When coverage hereunder is provided on a secondary

basis and a covered loss has occurred, the order in which

beneﬁts are determined shall be made 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

amounts, described under 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 are covered by your

personal vehicle liability insurance policy may not be

subject to a deductible, which means that you may not

be eligible to receive any coverage under this program.

Contact your insurance provider for full coverage details

pertaining to your personal vehicle liability insurance

policy (or similar coverage).

If you do not have other insurance or your insurance

policy does not cover you in territories or countries

outside of the United States, coverage is considered

primary coverage subject to any applicable economic

and trade sanctions conditions.

D. Who is covered:

The covered card cardholder and those designated in

the rental agreement as authorized drivers.

E. Excluded Vehicles:

This coverage does not apply to any:

• Vehicles not required to be licensed.

• All full-size vans mounted on truck chassis (including,

but not limited to, Ford EconoVan), cargo vans,

campers, o-road vehicles, and other recreational

vehicles.

• 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 manufactured for at

least ten (10) years), or limousines.

F. Where you are covered:

Coverage is available worldwide; provided coverage is

not available in countries where:

• This EOC or the group policy is prohibited by that

country’s law;

• The terms of the EOC or the group policy are in conﬂict

with the laws of that country;

In addition, we shall not be deemed to provide cover

and we shall not be liable to pay any claim or provide

any beneﬁt under the group policy to the extent that

the provision of such cover, payment of such claim

or provision of such beneﬁt would expose us, our

parent company or its ultimate controlling entity to any

sanction, prohibition or restriction under United Nations

resolutions or the trade or economic sanctions, laws

or regulations of the European Union or the United

States of America. Wherever coverage provided by this

policy would be in violation of any economic or trade

sanctions, such coverage shall be null and void.

G. Coverage limitations:

We will pay the lesser of the following:

• Reasonable and customary charges of repair or the

actual repair amount;

• Wholesale market value less salvage and depreciation;

• The rental agencies purchase invoice less salvage and

depreciation; The contractual liability assumed by

you or an authorized driver of the rental vehicle;

• The actual cash value;

In addition, coverage is limited to $500 per incident

for the reasonable loss of use charges imposed by the

vehicle rental company for the period of time the rental

vehicle is out of service. We will not pay for or duplicate

the collision/damage waiver coverage oered by the

rental agency.

H. What is NOT covered:

This coverage does not apply to:

• Any personal item actually or allegedly 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.

• Any obligations you assume other than what is

speciﬁcally covered under the rental agreement or

your personal vehicle liability insurance policy or

other indemnity policy.

• Any actual or alleged violation of the written terms and

conditions of the rental agreement.

• Any actual or alleged loss that occurs while driving

under theinﬂuence of drugs or alcohol.

• Any actual or alleged loss associated with racing or

reckless driving.

• Any actual or alleged 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 the police and/or

rental agency, as a result of negligence. Loss of keys

is considered negligence.

• Mechanical failures caused by wear and tear, gradual

deterioration, or mechanical breakdown.

• Subsequent damages resulting from a failure to protect

the rental vehicle from further damage.

• Blowouts or tire/rim damage unless caused by theft,

vandalism or vehicle collision.

• 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 ﬁfteen (15)

consecutive days from a rental agency.

• Losses resulting from any kind of alleged or actual

illegal activity.

• 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, any actual or alleged

invasion, terrorism, rebellion, insurrection, riot, or

civil commotion); conﬁscation or damage by any

government, public authority, or customs ocial;

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.

• Vehicles rented on a monthly basis.

• Loss arising from any items not installed by the original

manufacturer.

• Loss arising from any inherent damage.

• Damage to windshields which is not the result a

collision or roll-over (damage to a windshield is

covered if such damage is due to road debris or road

hazard).

• Vehicle leases or mini-leases.

• Indirect or direct damages resulting from a covered

claim.

• Charges for gasoline or airport fees.

I. How to ﬁle a claim:

• Call 1-800-Mastercard or go to www.mycardbeneﬁts.

com to initiate a claim. 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.

• You must submit the following proof of claim

documentation within one hundred and eighty (180)

days of the incident or the claim will not be covered:

• Receipt showing the vehicle rental charge.

• Statement showing the vehicle rental charge.

• The rental agreement (front and back).

• Copy of your valid driver’s license (front and

back).

• Copy of the declarations page of any personal

vehicle liability insurance policy and/or 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

registered collision repair facility.

• Copy of any 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.

Legal Disclosure

Please see the ‘Legal Disclosure’ section for all

disclosures for this beneﬁt.

Extended Warranty

Evidence of Coverage

Refer to Key Terms for the deﬁnitions of you, your, we,

us, our, and words that appear in bold and Final Legal

Disclosures.

A. 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 sixty (60) months or less.

B. The kind of coverage you receive:

• Extended Warranty doubles the original manufacturer

warranty up to a maximum of twelve (12) months on

most items you purchase. For products with multiple

warranty components, each warranty time period will

be extended up to a maximum of twelve (12) months.

Should you fail to properly register the original warranty

as required by manufacturer, we will only double the

actual warranty time period that you received from the

manufacturer. An example of a product with multiple

warranty components includes an appliance with

original manufacturer’s (or U.S. store brand) warranties

that dier for parts, labor, compressor, etc.

• If you purchase a service contract or an optional

extended warranty of twelve (12) months or less on

your item, we will cover up to an additional twelve

(12) months 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

twelve (12) months, this coverage does not 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.

C. Coverage limitations:

• The maximum beneﬁt for repair or replacement shall

not exceed the actual amount charged on your covered

card or $10,000 USD, whichever is less.

• If either the original manufacturer’s (or U.S. store brand)

warranty or the service contract covers more than sixty

(60) months, this beneﬁt will not apply.

• We or our administrator will decide if a covered failure

will be repaired or replaced, or 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.

Note: Salvage may apply to this coverage; see the Final Legal

Disclosures for details.

D. 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 time 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 separately, may be covered.

• Land, any buildings (including, but not limited to, homes

and dwellings), permanently installed items (examples:

items wired directly to the electrical system or attached

to structure of the building), ﬁxtures, or structures.

• Plants, shrubs, animals, pets, consumables, and

perishables.

• Professional Services (including, but not limited to, the

performance or rendering of labor 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 peripherals.)

• Application programs, operating software, and other

software.

• All types of media with stored data or music (including,

but not limited to, computer software, DVDs, video

cassettes, CDs, ﬁlm and audio cassettes).

• Any shipping charges, transportation and delivery

charges, or promised time frames for 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, ﬂood, 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 any government, public

authority, or customs ocial; risks of contraband, illegal

activity, or acts.

• Mechanical failures caused by normal wear and tear or

gradual deterioration where no failure has occurred.

• Mechanical failures caused by lack of maintenance/

service

• 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.

• Interest or conversion fees that are charged to you on

the covered card by the ﬁnancial institution.

E. How to ﬁle a claim:

• Call 1-800-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 to validate a claim.

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 Cardholder, at no

additional charge.

The insurance beneﬁts are provided under the 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 are governed by the Group Policy.

Eective date of beneﬁts: 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 any time. Notice will

be provided for any changes.

Cancellation: The Policyholder may cancel these

beneﬁts at any time or choose not to renew the

insurance coverage for all Cardholders. If the

Policyholder cancels these beneﬁts, you will be notiﬁed

in advance. If we terminate, cancel, or choose not to

renew the coverage to the Policyholder, you will be

notiﬁed as soon as is practicable. Insurance beneﬁts

will still apply for any eligible coverage that attaches

prior to the date of such termination, cancellation, or

non-renewal, subject to the terms and conditions of

coverage.

Beneﬁts to you: These beneﬁts apply only to Eligible

Accounts issued in the United States. The United States

is deﬁned as the ﬁfty U.S. states and the District of

Columbia. No person or entity other than you 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. However,

insurance beneﬁts will still apply for any beneﬁt you were

eligible for prior to the date that your Eligible Account

is suspended or cancelled, subject to the terms and

conditions of coverage.

Transfer of rights or beneﬁts: The Group Policy is not

assignable, but the beneﬁts may be assigned.

Intentional Misrepresentation and Fraud: If any request

for beneﬁts made under the Group Policy is determined

to be fraudulent, or if any fraudulent means or devices

are used by you or anyone qualifying as an insured to

obtain beneﬁts under the Group Policy, all beneﬁts will

be forfeited. No coverage is provided if you or anyone

qualifying as an insured does the following: (1) Conceals

or misrepresents any fact upon which we rely, if the

concealment or misrepresentation is material and is

made with the intent to deceive; or (2) conceals or

misrepresents any fact that contributes to the loss.

Due Diligence: You must exercise or perform all vigilant

activity, attentiveness, and care that would be exercised

or performed by a reasonable and prudent person in

the same or similar circumstances to avoid, diminish,

or reduce any loss or damage insured under the Group

Policy.

Subrogation: If payment is made under these beneﬁts,

we are entitled to recover such amounts, to the extent of

our payments, from other parties or persons. Any party

or person who receives payment under these beneﬁts

must transfer to us 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.

Salvage: If an item is not repairable, we may request

that you send the item to us for salvage at your expense.

Failure to remit the requested item for salvage to us may

result in denial of the claim.

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, 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.

Beneﬁts 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 Group Policy, the Group Policy shall

control.

Washington Residents: For Washington residents only,

Evidence of Coverage (EOC) means the section of this

Guide to Beneﬁts that describes the terms, conditions,

and exclusions of your coverage. The EOC, Key Terms,

and Legal Disclosures are in 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 part of your coverage. In

case of a conﬂict between this Guide to Beneﬁts and the

Group Policy, the Guide to Beneﬁts shall control.

Account and Billing Information

Important: Contact your card-issuing ﬁnancial institution

directly for questions concerning your account, such as

account balance, credit line, billing inquiries (including

transaction exchange rates), merchant disputes, or

information about additional services not described in

this Guide. Your ﬁnancial institution’s phone number

should be available on your monthly billing statement or

on the back of your card.

For more information, call 1-800-Mastercard: 1-800-627-

8372,

or en Español: 1-800-633-4466.

Visit our website at www.mastercard.com.