Important information. Please read and save.
Guide to
Benets
World MasterCard
®
Cardholder Benefits
Important information. Please read and save.
This Guide to benefits contains detailed information about extensive
travel, insurance, and retail protection services you can access as
a preferred cardholder. These programs and coverages apply to
travel and retail purchases made on or after January 1, 2013. This
Guide supersedes any guide or program description you may have
received earlier. Your eligibility is determined by the date your financial
institution enrolled your account in the benefits.
“Card” refers to World MasterCard
®
card and
“Cardholder” refers to World MasterCard
®
cardholder.
World MasterCard Guide to Benefits
Benefits that are always with you
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 1 11/12/12 5:20 PM
ConCierge ServiCeS
World MasterCard
®
offers you the MasterCard Concierge Service.
Imagine your own Personal Assistant 24 x 7 x 365, where
knowledgeable experts can assist with whatever you need, whenever
you need it. This takes “Concierge Service” to the next level with
robust, personalized features that will save you time and simplify your
day, such as:
• Personal Prole to track preferences for travel, hotels, dining,
entertainment, special occasions – and even food allergies.
• Local experts who can provide on-site assistance with everyday
household needs – like being there when the new appliance is
delivered, because you can’t be.
• Access to unique dining and entertainment venues to turn a special
occasion into a memorable experience.
• Reminder service for those dates or events that you can’t afford to miss.
• Pre-trip planning services, providing you with critical information
in advance of your trip including: 10-day weather forecast, travel
requirements, city-specic news and conditions, safety and security
advisory, suggested packing list, pre-arranged conrmations for
dining and other services, top must-see attractions, etc.
Let the MasterCard Concierge assist you today, so you can have your day
back! Our experts look forward to assisting you at 1-800-336-6420.
Hotel & reSortS Portfolio
The Luxury Hotels & Resorts Portfolio is a unique collection of over
800 of the world’s most exceptional hotels and resorts. Special
amenities from the Luxury Hotels & Resorts Portfolio available to
World MasterCard cardholders include room upgrades, early-check-
in, late check-out and complimentary breakfast daily for up to two
people. These amenities are subject to availability and may vary
by property. Please contact the World MasterCard Concierge at
1-800-336-6420 for additional details and current availability.
iDentitY tHeft reSolUtion ServiCeS
What are Personal Identity Theft Resolution Services?
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.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 2 11/12/12 5:20 PM
Who is eligible for this coverage?
To be eligible for this coverage, you must be a valid cardholder, whose
name is embossed on an eligible World MasterCard Card, and who
resides in the United States.
How can I access these services?
Simply call 1-877-319-4403 if you believe you have been a victim
of Identity Theft.
What are the services provided?
Services provided are on a 24-hour basis, 365 days a year.
They include:
• Providing the cardholder with a uniform Identity Theft Afdavit
and providing assistance 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
complimentary credit report for the cardholder and placing an alert
on the cardholder’s record with the agencies.
• Assisting the cardholder with credit and charge card replacement.
• Educating the cardholder on how Identity Theft can occur and of
protective measures to 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.
Is there a charge for these services?
No, your nancial institution provides these to you at no extra cost.
When are services not provided?
• When it is determined you have committed any
dishonest, criminal, malicious, or fraudulent act.
• When your nancial 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 primary eligible World Card 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, Europ Assistance USA, relies on the truth of statement made in the
Affidavit or declaration from each cardholder. This service is provided to eligible World
Card cardholders at no additional cost and is in effect for acts occurring while the
program is in effect. The terms and conditions contained in this program guide may be
modied by subsequent endorsements. Modications to the terms and conditions may
be provided via additional Guide to Benefit mailings, statement inserts, or statement
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 3 11/12/12 5:20 PM
messages. Your nancial 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 World Card
cardholders, you will be notified within 30–120 days before the expiration of the
service agreement. In the event substantially similar coverage takes effect without
interruption, no such notice is necessary.
eXtenDeD ProteCtion
What items are covered by Extended Protection?
The Extended Protection Benet automatically doubles the time period
under the original manufacturer’s written U.S. warranty up to one
(1) additional year on eligible warranties of three (3) years or less
when an item is purchased entirely with your eligible card. As you
read through the rest of this Guide to Benefit, you will find answers
to some of the most commonly asked questions about the Benet.
If you should have any further questions, please call the Benet
Administrator at 1-800-848-8819 at any time of the day or night.
What items are not covered?
• Boats, automobiles, or other motorized vehicles and their motors,
equipment and accessories.
• Any parts and/or labor costs resulting from mechanical breakdown
or failure of a protected item, or any other obligation other
than those specifically covered under the terms of the original
manufacturer’s written U.S. warranty.
• Items purchased for resale, professional or commercial use.
• Real estate and items which are intended to become part of real estate.
• Computer software.
• Medical equipment.
• Real estate and items which are intended to become part of real
estate, including but not limited to: items that are hard-wired or
hard-plumbed, garage doors, garage door openers, and ceiling fans.
• Rented or leased items or items purchased on an installment plan
for which the entire purchase price was not paid in full at the time
of the occurrence.
• Used or pre-owned items.
Are gifts covered?
Yes, as long as you purchased the item with your eligible U.S.-issued
card and it meets the terms and conditions of the benefit. This benefit
extends warranties on most gifts that you give household members,
friends and relatives.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 4 11/12/12 5:20 PM
Are purchases made outside the U.S. covered?
Yes, as long as you purchased the item entirely with your eligible card
and the eligible item has a valid original manufacturer’s U.S. repair
warranty, store purchased dealer warranty or assembler warranty of
three (3) years or less.
Do I need to register my purchases?
No. Your eligible purchases are automatically covered.
Do I need to keep copies of receipts or any other records?
Yes. If you want to file a claim, you will need copies of your card
receipt, your store receipt, and the original manufacturer’s written U.S.
warranty, and any other applicable warranty.
How do I file an Extended Protection claim?
Call the Benet Administrator at 1-800-848-8819 immediately upon
learning of a product failure. Please note: If you do not give such
notice within sixty (60) days after the product failure, your claim
may be denied. The Benefit Administrator will ask you for some
preliminary claim information, direct you to the appropriate repair
facility, and send you the appropriate claim form. This claim form
must be completed, signed and returned with all the requested
documentation within ninety (90) days of the product failure.
Gift recipients of eligible items are also covered by the claims process,
if desired. However, a gift recipient must provide all the documents
necessary to fully substantiate the claim.
What documents do I need to submit with my claim?
• Your completed and signed claim form.
• Your card receipt.
• The itemized store receipt.
• A copy of the original manufacturer’s written U.S. warranty and any
other applicable warranty.
• A description and serial number of the item, and any other documentation
deemed necessary to substantiate your claim. This includes bills and, if
necessary, a copy of the maintenance record and receipts.
• The original repair order.
All claims must be fully substantiated.
How will I be reimbursed?
Once your claim has been verified, the item will be repaired or
replaced at the Benefit Administrator’s discretion, but for no more
than the original purchase price of the covered item up to a maximum
of $10,000 as recorded on your card receipt and $50,000 maximum
per cardholder.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 5 11/12/12 5:20 PM
Extended Protection will pay the facility directly for repairs, if possible,
or you may go to an authorized repair facility and file a claim for
reimbursement. Only valid and reasonable repairs made at the
manufacturer’s authorized repair facility are covered.
In either case, the Benefit Administrator’s payment, replacement, or
repair made in good faith will fulfill the obligation under the benefit.
Under normal circumstances, reimbursement will take place within five
(5) business days of receipt and approval of all required documents.
Do I have to file a claim with my insurance company?
No, however if you have purchased or received a service contract
or extended warranty, Extended Protection is supplemental to and
excess of that coverage.
Additional provisions for Extended Protection: This benefit applies only to you,
the cardholder, and to whomever receives the eligible gifts you purchase with your
eligible card.
You shall use due diligence and do all things reasonable to avoid or diminish any
loss or damage to property protected by this benefit. This provision will not be
unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect including,
but not limited to, the cost of repair services, no coverage shall exist for such claim
and your benets may be canceled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall
be void in any case of fraud, intentional concealment, or misrepresentation of material
fact by the cardholder.
Once you report an occurrence, a claim file will be opened and shall remain open for
six (6) months from the date of the damage. No payment will be made on a claim that
is not completely substantiated in the manner required by the Benet Administrator
within six (6) months of the date of damage.
After the Benefit Administrator has paid your claim of loss or damage, all your rights
and remedies against any party in respect of this loss or damage will be transferred
to the Benefit Administrator to the extent of the payment made to you. You must give
the Benet Administrator all assistance as may reasonably be required to secure all
rights and remedies.
No legal action for a claim may be brought against us until sixty (60) days after we
receive Proof of Loss. No legal action against us may be brought more than two (2)
years after the time for giving Proof of Loss. Further, no legal action may be brought
against us unless all the terms of this policy have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. The terms
and conditions contained in this Guide to Benet may be modied by subsequent
endorsements. Modifications to the terms and conditions may be provided via
additional Guide to Benefit mailings, statement inserts, or statement messages. The
benefit described in this Guide to Benefit will not apply to cardholders whose accounts
have been suspended or canceled.
Termination dates may vary by nancial institutions. Your Financial Institution can
cancel or non-renew the benet, and if we do, we will notify you at least thirty
(30) days in advance. This information describes the benefit provided to you as a
cardholder. It is insured by Indemnity Insurance Company of North America.
Form# VEPcons 3y (04/10)
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 6 11/12/12 5:20 PM
AUto rentAl ColliSion DAMAge WAiver
What is this benefit?
When certain terms and conditions are met, the Auto Rental Collision
Damage Waiver benet (“Auto Rental CDW”) provides—at no
additional charge—reimbursement for damage due to collision or
theft up to the actual cash value of most rental vehicles. In your
country of residence, this benefit is supplemental to, and excess of,
any valid and collectible insurance from any other source. We will
reimburse only for that damage or theft not payable by any other
party. Here are answers to some commonly asked questions about
the benefit.
Who is eligible?
You are eligible only if you are a valid cardholder whose name is
embossed on an eligible U.S.-issued card. Only you as the primary
renter of the vehicle and any additional drivers permitted by the auto
rental agreement are covered.
What is covered?
Subject to the terms and conditions in this Guide to Benefit, Auto
Rental CDW reimburses you for the deductible portion of your
personal automobile insurance, valid administrative and loss-of-use
charges imposed by the rental car company, as well as reasonable
towing charges resulting from covered damage or theft of the rental
vehicle while it is your responsibility. If you do not have personal
automobile insurance or any other insurance covering this loss, this
benefit reimburses you for the covered damage or theft as well as
valid administrative and loss-of-use charges imposed by the auto
rental company and reasonable towing charges. Only vehicle rental
periods that neither exceed nor are intended to exceed fifteen (15)
consecutive days within your country of residence or thirty-one (31)
consecutive days outside your country of residence are covered.
The benefit provides reimbursement up to the actual cash value of
the vehicle as it was originally manufactured. Most private passenger
automobiles, minivans, and sport utility vehicles are eligible, but some
restrictions may apply. Please contact the Benefit Administrator to
inquire about a specic vehicle.
Within your country of residence, this benefit supplements,
and applies excess of, any valid and collectible insurance or
reimbursement from any source. This means that, subject to the
terms and conditions of this Guide to Benefit, Auto Rental CDW
applies to losses or expenses that are not covered by insurance
or reimbursement.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 7 11/12/12 5:20 PM
Covered losses are:
• Physical damage and/or theft of the covered rental vehicle.
• Valid loss-of-use charges imposed and substantiated by the auto
rental company through a fleet utilization log.
• Reasonable and customary towing charges, due to a covered loss,
to the nearest qualied repair facility.
How do I activate this benefit?
For the benet to be in effect, you must:
• Initiate and complete the entire rental transaction with your eligible
card, and
• Decline the auto rental company’s collision damage waiver (CDW/
LDW) option, or similar provision, if offered by the auto rental
company.
Helpful hints:
• Check the rental vehicle for prior damage before leaving the rental lot.
• Review the auto rental agreement carefully to make sure you are
declining CDW/LDW and also to familiarize yourself with the terms
and conditions of the auto rental agreement.
What do I do if I have an accident or the rental vehicle is stolen?
Immediately call the Benefit Administrator at 1-800-348-8472 to
report the theft or damage regardless of whether your liability
has been established. If you are outside the United States, call
collect at 1-804-673-1164. The Benet Administrator will answer any
questions you or the rental agency may have and will then send you
a claim form.
All incidents must be reported immediately following the theft or
damage, but in no event later than forty-five (45) days* following
the date of the theft or damage. Furthermore, we reserve the
right to deny any claim that contains charges that would not have
been included had the Benefit Administrator been notified before
those expenses were incurred. We therefore advise you to notify us
immediately after any loss. You must make every reasonable effort to
protect the rental vehicle from damage or theft.
What is not covered?
• Any obligation you assume under any agreement (other than the
deductible under your personal auto policy).
• Any violation of the auto rental agreement or this benet.
• Injury of anyone or damage to anything inside or outside the rental
vehicle.
• Loss or theft of personal belongings.
• Personal liability.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 8 11/12/12 5:20 PM
• Expenses assumed, waived, or paid by the rental agency or its insurer.
• Cost of any insurance or collision damage waiver offered by or
purchased through the auto rental company.
• Depreciation of the rental vehicle caused by loss or damage
including, but not limited to “diminished value.”
• Expenses reimbursable by your insurer, employer, or employer’s
insurance.
• Loss due to intentional acts, or due to the driver(s) being under the
influence of alcohol, intoxicants, or drugs, or due to contraband or
illegal activities.
• Wear and tear, gradual deterioration, or mechanical breakdown.
• Items not installed by the original manufacturer.
• Loss due to off-road operation of the rental vehicle.
• Loss due to hostility of any kind (including but not limited to: war,
invasion, rebellion, or insurrection).
• Conscation by authorities.
• Vehicles that do not meet the denition of covered vehicles.
• Rental periods that either exceed or are intended to exceed fteen
(15) consecutive days within your country of residence or thirty-one
(31) consecutive days outside your country of residence.
• Leases and mini leases.
• Loss or damage as a result of the cardholder’s lack of reasonable
care in protecting the rental vehicle before and after damage occurs
(for example, leaving the vehicle running and unattended).
• Losses reported more than forty-ve (45) days* from the date of loss.
• Losses for which a claim form has not been received within ninety
(90) days* from the date of loss.
• Losses for which all required documentation has not been received
within 365 days from the date of loss.
• Losses from rental transactions which originated in Israel, Jamaica,
the Republic of Ireland, or Northern Ireland.
What if the auto rental company insists that I purchase the auto
rental company’s auto insurance or collision damage waiver?
Call the Benefit Administrator at 1-800-348-8472 for help. If you are
outside the United States, call collect at 1-804-673-1164.
When and where do I have this benefit?
This benefit is available in the United States and most foreign
countries. No benefit is provided for motor vehicles rented in
Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
Additionally, this benefit is not available where precluded by law
or in violation of the territory terms of the auto rental agreement
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 9 11/12/12 5:20 PM
or prohibited by individual merchants. Because regulations vary
outside the United States, we recommend you check with your
auto rental company and the Benefit Administrator before you
travel to make sure Auto Rental CDW will apply.
This benefit is in effect while the rental vehicle remains in your
control or in the control of a person permitted to operate the rental
vehicle in accordance with the rental agreement between you and
the auto rental company. This benefit terminates when the auto rental
company re-assumes control of the rental vehicle.
How does this benefit apply?
Within your country of residence, Auto Rental CDW supplements,
and applies excess of, any valid and collectible insurance or
reimbursement from any source. It does not duplicate insurance
provided by or purchased through the auto rental company; it will not
pay for losses reimbursed by your own insurer, employer, employer’s
insurance, or any other valid and collectible insurance; however,
it will pay for the outstanding deductible portion or other charges,
including valid administration and loss-of-use charges not covered
by your applicable automobile insurance policy. Outside your country
of residence or if you do not have automobile insurance, this benefit
is primary in those countries where it is available, and in that case,
you do not have to claim payment from any other source of insurance
before receiving the benefits.
What types of rental vehicles are not covered?
Excluded worldwide are: expensive, exotic, and antique automobiles,
certain vans, vehicles that have an open cargo bed, trucks, motorcycles,
mopeds, and motorbikes, limousines, and recreational vehicles.
Examples of excluded expensive or exotic automobiles are the Aston
Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen,
Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, selected
models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered.
An antique automobile is dened as any vehicle over twenty (20)
years old or any vehicle that has not been manufactured for ten (10)
years or more.
This benefit is provided for only those vans manufactured and
designed to transport a maximum of eight (8) people and which is
used exclusively to transport people.
If you have any questions regarding a specic vehicle, call the Benet
Administrator at 1-800-348-8472. If you are outside the United
States, call collect at 1-804-673-1164.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 10 11/12/12 5:20 PM
What do I need from the auto rental company in order to file a
Auto Rental CDW claim?
At the time of the damage or theft, or when you return the rental
vehicle, immediately ask the auto rental company for:
• A copy of the Accident Report Form and claim document, which
should indicate the costs you are responsible for and any amounts
that have been paid toward the claim.
• A copy of the initial and nal auto rental agreement(s).
• A copy of the repair estimate or itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.
How do I file a claim?
You, the cardholder, are responsible for reporting your claim
to the Benefit Administrator immediately, but in no event later
than forty-five (45) days* from the date of theft or damage, or
your claim may be denied. Notice to any other party will not
suffice. Furthermore, we reserve the right to deny any claim that
contains charges that would not have been included had the Benefit
Administrator been notified before those expenses were incurred. We
therefore advise you to notify us immediately after any theft or damage.
Mail the following documentation to the Benefit Administrator:
• The completed and signed Auto Rental CDW Claim Form. Your
completed claim form must be postmarked within ninety (90)
days* of the date of the damage or theft, even if all other required
documentation is not yet available, or your claim may be denied.
• A copy of your receipt or monthly billing statement as proof that the
entire vehicle rental was charged and paid for with your eligible card.
• A statement from your insurance carrier (and/or your employer or
employer’s insurance carrier, if applicable) or other reimbursement
showing the costs for which you are responsible and any amounts
that have been paid toward the claim. Or, if you have no applicable
insurance or reimbursement, please provide a notarized statement
to that effect.
• A copy of the declaration page from your automobile insurance carrier.
Enclose all the documents you received from the auto rental
company:
• A copy of the Accident Report Form.
• A copy of the entire auto rental agreement(s).
• A copy of the repair estimate or itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 11 11/12/12 5:20 PM
• Any other documentation deemed necessary by the Benet
Administrator to substantiate the claim.
If you experience difficulty in obtaining all the required
documents within ninety (90) days* of the date of theft or
damage, just submit the claim form and any documentation you
already have available. NOTE: All remaining documents must be
postmarked within 365 days of the date of theft or damage.
Do I have to do anything else?
Usually not. Under normal circumstances, the claim will be paid within
fteen (15) days after the Auto Rental CDW Benet Administrator has
received all documentation necessary to fully substantiate your claim.
However, after the Benet Administrator has paid your claim, all
your rights and remedies against any party in respect of this theft
or damage will be transferred to the Benefit Administrator to the
extent of the cost of payment made to you. You must give the Benefit
Administrator all assistance as may reasonably be required to secure
all rights and remedies.
* Not applicable to residents of certain states.
Additional Provisions for Auto Rental CDW: You must make every effort that would
be made by a reasonable and prudent person to protect the Rental Vehicle from
damage or theft. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect including but
not limited to: the cost of repair services, no coverage shall exist for such claim and
your benets may be canceled. Each cardholder agrees that representations regarding
claims will be accurate and complete. Any and all relevant provisions shall be void in
any case of fraud, intentional concealment, or misrepresentation of material fact by
the cardholder.
Once you report an occurrence, a claim file will be opened and shall remain open
for six (6) months from the date of the damage or theft. No payment will be made on
a claim that is not completely substantiated in the manner required by the Benet
Administrator within twelve (12) months of the date of damage or theft.
No legal action for a claim may be brought against us until sixty (60) days after we
receive Proof of Loss. After the expiration of three (3) years from the time written
Proof of Loss was to be provided, no action shall be brought to recover on this benet.
Further, no legal action may be brought against us unless all the terms of this Guide to
Benefit have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. The terms
and conditions contained in this Guide to Benet may be modied by subsequent
endorsements. Modifications to the terms and conditions may be provided via
additional Guide to Benefit mailings, statement inserts, or statement messages. The
benefit described in this Guide to Benefit will not apply to cardholders whose accounts
have been suspended or canceled.
Termination dates may vary by financial institutions. Your financial institution can
cancel or non-renew the benet, and if we do, we will notify you at least thirty (30)
days in advance. This information is a description of the benefit provided to you as a
cardholder. It is insured by Indemnity Insurance Company of North America.
FORM #VCCDW01 (04/10)
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 12 11/12/12 5:20 PM
PriCe ProteCtion
Key Terms:
Throughout the Price Protection section, You and Your refer to the
cardholder or authorized user of the covered card. We, Us, and
Our refer to Virginia Surety Company, Inc.
Administrator for Price Protection 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 1-800-MC-ASSIST.
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 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 covered World MasterCard 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
Barclays Bank Delaware for the covered World MasterCard card.
Covered card means the World 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 advertisement 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 advertisement 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 make, 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 model 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.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 13 11/12/12 5:20 PM
You must see either a printed advertisement or non-auction
Internet advertisement for the same product (advertisement must
verify same manufacturer and model number) for 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 twenty (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 limited 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 per 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 the 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 the date you
purchased the item.
• Items advertised or shown as price quotes, bids or nal sale
amounts from a non-auction Internet site.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 14 11/12/12 5:20 PM
• 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 items/
giveaways, manufacturer’s coupons, or special financing.
• Professional services, including workmanship, installation,
professional advice/counseling, and technical support, or help line.
• Plants, shrubs, animals, pets, consumables, and perishables.
• 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, structures, or home
improvement.
• Game animals, pets or specimens preserved for display (e.g., sh,
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.
• Differences in price due to sales tax, storage, shipping, handling,
postage, transportation, and delivery.
• Differences in price due to foreign exchange rates or uctuation in
foreign exchange rates.
How to file a claim:
For a Printed Advertisement:
• Call 1-800-MC-ASSIST 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 advertisement’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(s).
- Itemized purchase receipt(s).
- Any other documentation that may be reasonably requested by
us or our administrator to validate a claim.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 15 11/12/12 5:20 PM
For a Non-Auction Internet Advertisement:
• Call 1-800-MC-ASSIST 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 advertisement’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 manufacturer 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.
Final Legal Disclosure for Price Protection
This Final Legal Disclosure is not a policy or contract of insurance.
This non-insurance benet is purchased and provided free to you, but may have associated
costs, which will be your responsibility (for example, if you are required to return a
purchased item to us, there may be shipping costs which are your responsibility).
Effective date of benefit: Effective January 1, 2013, this Final Legal Disclosure
replaces all prior disclosures, program descriptions, advertising, and brochures by any
party. We reserve the right to change the benefit and features of this program at any
time. Notice will be provided for any changes.
Cancellation: We may cancel this benefit at any time or choose not to renew. If
We cancel this benefit, you will be notified as soon as is practicable. This benefit will
still apply for any benefit you were eligible for prior to the date of such terminations,
cancellation, or non-renewal, subject to the terms and conditions contained in the
agreement for that benefit.
Benefit to you: This benefit applies 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, remedy, or claim for benet and/or damages under or arising
out of these programs. This benefit does not apply if your card privileges have been
cancelled. However, this benet will still apply for any benet you were eligible for
prior to the date that your account is suspended or cancelled, subject to the terms
and conditions of coverage.
Transfer of rights or benefit: No rights or benet provided under this benet may be
assigned without the prior written consent of the claim administrator for this benefit.
Misrepresentation and Fraud: This benefit shall be void if the cardholder has
concealed or misrepresented any material facts concerning this coverage.
Dispute Resolution – Arbitration: The agreement for this benet requires binding
arbitration if there is an unresolved dispute between You and VSC concerning your
agreement. Under this Arbitration provision, You give up your right to resolve any
dispute arising from the benet agreement 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
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 16 11/12/12 5:20 PM
third party) will give a decision after hearing Your and Our 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, either You or VSC 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. You and VSC 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 You and VSC. Unless otherwise
agreed to by You and VSC, 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 of the
benefit agreement. The laws of the state of Illinois (without giving effect to its conflict
of law principles) govern all matters arising out of or relating to the benefit agreement
and all transactions contemplated by the benefit agreement, including, without
limitation, the validity, interpretation, construction, performance and enforcement of
the benefit agreement itself.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish
any theft, loss or damage to the property covered under this benefit. “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.
Other Insurance: The benefit agreement is secondary to any other applicable
insurance or indemnity coverage available to You. The benefit under the benefit
agreement is limited to only those amounts not covered by any other insurance or
indemnity coverage. Your benet agreement(s) for this benet is/are subject to the
conditions, limitations, and exclusions described in this document. In no event will the
benefit agreement apply as contributing insurance. This Other Insurance clause will
take precedence over a similar clause found in other insurance or indemnity policy/
contract language.
In no event will this benet apply as contributing insurance. The non-contribution
clause will take precedence over the non-contribution clause found in any insurance
or indemnity policy or contract.
The benet listed in this Final Legal Disclosure is subject to the conditions, limitations,
and exclusions described in each benet section. Receipt and/or possession of this
Final Legal Disclosure does not guarantee benet or benet availability.
PP-CC-NT (9.08)
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.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 17 11/12/12 5:20 PM
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-MC-ASSIST (1-800-622-7747). 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 75 countries worldwide. Some of the key toll-free MasterCard
Global Service telephone numbers are:
For additional information, or for country-specic, 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-MC-ASSIST for card benets. 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 1-800-4CIRRUS to nd 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 906,000 ATMs worldwide.
To enable cash access, be sure you know your Personal Identification
Number (PIN) before you travel.
ACCoUnt AnD Billing inforMAtion
Important: Contact your card-issuing nancial 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.
Australia .............. 1-800-120-113
Austria ..................0800-21-8235
France................. 0-800-90-1387
Germany .............0800-819-1040
Hungary ................. 06800-12517
Ireland ................. 1-800-55-7378
Italy ......................... 800-870-866
Mexico .......... 001-800-307-7309
Netherlands ......... 0800-022-5821
Poland............. 0-0800-111-1211
Portugal ................ 800-8-11-272
Spain ......................900-97-1231
United Kingdom .....0800-96-4767
Virgin Islands ..... 1-800-307-7309
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 18 11/12/12 5:20 PM
trAvel ACCiDent inSUrAnCe
WHEN BENEFITS APPLY: As a World MasterCard cardholder of
Barclays Bank Delaware you, your spouse or domestic partner and
unmarried dependent 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 a passenger fare(s), less redeemable
certificates, vouchers or coupons, has been charged to your Barclays
Bank World MasterCard account. Coverage is also 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 World MasterCard account. 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. This coverage does not include
Commutation which is defined as travel between the Insured Person’s
residence and regular place of employment.
BENEFITS
COMMON CARRIER ACCIDENTAL DEATH & DISMEMBERMENT: The
full Benefit Amount of $200,000 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.
“Member” means hand or foot. One quarter of the Benet 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 of at least 4 fingers on
$200,000
WORLDWIDE AUTOMATIC
TRAVEL ACCIDENT INSURANCE
Provided to World MasterCard Cardholders
at no extra cost by
Barclays Bank Delaware
Description of Coverage
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 19 11/12/12 5:20 PM
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 at the time the entire cost of the passenger
fare is charged to a Barclays Bank World 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 multiple 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, the Company’s liability for all such losses will be subject to a
maximum limit of insurance equal to three times the Benet Amount
for loss of life. Benefits will be proportionately divided among the
Insured Persons up to the maximum limit of insurance.
IMPORTANT DEFINITIONS: Accident or Accidental means a
sudden, unforeseen, and unexpected event which: 1) happens by
chance; 2) arises from a source external to the Insured Person; 3) is
independent of illness, disease or other bodily malfunction or medical
or surgical treatment thereof; 4) occurs while the Insured Person is
insured under this policy which is in force; and 5) is the direct cause
of loss. Dependent Child(ren) means those children, including
adopted children and children placed for adoption, who are primarily
dependent upon the Insured Person for maintenance and support
and who are: 1) under the age of nineteen (19) and reside with the
Insured Person, or 2) beyond the age of nineteen (19), permanently
mentally or physically challenged, and incapable of self support;
or 3) under the age of twenty-ve (25) and classied as a full-time
student at an institute 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) has been jointly responsible with the
primary insured person for each other’s financial obligation, and who
intends to continue the relationship above indefinitely.
BAGGAGE DELAY - We will reimburse the Insured Person up to the
Daily Benefit Amount of $100 per day for 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
while 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, eye glasses
or hearing aids; 2) artificial teeth, dental bridges or prosthetic devices;
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 20 11/12/12 5:20 PM
3) tickets, documents, money, securities, checks, travelers checks and
valuable papers; 4) business samples; 5) jewelry and watches; or
6) cameras, video recorders and other electronic equipment.
The $300 benefit amount is excess over any other insurance (including
homeowners) or indemnity (including any reimbursements by the
airline, cruise line, railroad, or station authority), available to the insured
person. In no event, will we pay more than $300 in any twelve (12)
consecutive month period regardless of the number of baggage delay
claims made in that twelve (12) month period. Baggage Delay means
a delay or misdirection of the Insured Person’s Baggage by a Common
Carrier for more than twelve (12) hours from the time the Insured
Person arrives at the destination on the Insured Person’s ticket.
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 Benet Amount of $1,500.
Our payment will not exceed either: 1) the actual Non−Refundable
amount paid by the Insured Person for a Common Carrier passenger
fare(s); or 2) $1,500. The Insured Person will relinquish to us any
unused vouchers, tickets, coupons or travel privileges for which we
have reimbursed the 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 the 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. Financial Insolvency means the inability of the entity
to provide travel services because 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 amount 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 provide any other form of compensation. Pre−Existing
Condition means Accidental injury, disease or illness of the Insured
Person or Immediate Family Member of the Insured Person which
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 symptoms 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
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 21 11/12/12 5:20 PM
not be considered to be a manifestation 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 means the Insured Person’s Covered Trip is interrupted
either on the way to the point of departure or after the Covered Trip
departure. Immediate Family Member means spouse, domestic
partner, Dependent Child or Children or other relatives residing with
the Insured Person.
ELIGIBILITY: This travel insurance plan is provided to Barclays
Bank World MasterCard cardholders, automatically when the entire
cost of a Common Carrier passenger fare(s) is charged to a World
MasterCard account while the insurance is effective. It is not
necessary for you to notify Barclays Bank, the administrator or the
Company when tickets are purchased.
THE COST: This travel insurance plan is provided at no additional cost
to eligible World MasterCard cardholders of Barclays Bank Delaware.
BENEFICIARY: The Loss of Life benet will be paid to the beneciary
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; 4) travel between the Insured Person’s
residence and regular place of employment, 5) an accident occurring
while an Insured is in, entering, or exiting any aircraft while acting or
training as a pilot or crew member, but this exclusion does not apply
to passenger 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.
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 22 11/12/12 5:20 PM
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 benets, 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.
EFFECTIVE DATE: This insurance is effective 12/1/10 or on the
date that you become a World MasterCard cardholder, whichever
is latest; and will cease on the date the Master Policy 9906-88-49
is terminated or on the date your Barclays Bank World MasterCard
account ceases to be in good standing, 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: Barclays
Bank Delaware. 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 differ, the
policy will govern.
Answers to specic questions can be obtained by writing the Plan
Administrator. To make a claim please contact the Plan Administrator.
PLAN ADMINISTRATOR:
CBSI Enhancement Services
550 Mamaroneck Ave.
Suite 309
Harrison, NY 10528
Plan Underwritten By
Federal Insurance Company,
a member insurer
of the Chubb Group
of Insurance Companies
15 Mountain View Road,
P.O. Box 1615
Warren, NJ 07061-1615
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 23 11/12/12 5:20 PM
©2013 MasterCard International Incorporated
This Guide is intended as a summary of services and coverages and,
in case of a conflict between the Guide and the master insurance
policies, or an issuer’s, or the actual offerings, such master policies
or actual offering shall control.
BAR-3769-8
BCUS_GTB_WEB_WorldMC_BAR-3769-8_110912.indd 24 11/12/12 5:20 PM
