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MasterCard

Guide to Benefits

for Credit Cardholders

MasterCard

Cardholder Core Credit Benefits +

MasterRental + Purchase Assurance +

Travel Assistance Services

Important information. Please read and save.

This Guide to Benefits contains detailed information about insurance

and retail protection services you can access as a preferred cardholder.

This Guide supersedes any guide or program description you may have

received earlier.

To file a claim or 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.

MasterCard Guide to Benefits

Benefits that are always with you

KEY TERMS:

The following Key Terms apply to the following benefits:

MasterRental, Purchase Assurance and Extended Warranty.

Key Terms:

Throughout this document, You and Your refer to the

cardholder or authorized user of the covered card. We, Us,

and Our refer to New Hampshire Insurance Company, an AIG

company.

Administrator means Sedgwick Claims Management Services,

Inc., you may contact the administrator if you have questions

regarding this coverage or would like to make a claim. The

administrator can be reached by phone at 1-800-MASTERCARD.

Authorized driver(s) means a driver with a valid driver’s license

issued from their state of resident and indicated on the rental

agreement.

Authorized User means an individual who is authorized to make

purchases on the covered card by the cardholder and is

recorded by the Participating Organization on its records as being

an authorized user.

Cardholder means the person who has been issued an account

by the Participating Organization for the covered card.

Covered card means the MasterCard card.

Damage means items that can no longer perform the function

they were intended to do in normal service due to broken parts,

material or structural failures.

Evidence of Coverage (EOC) means the document describing

the terms, conditions, and exclusions. The EOC, Key Terms, and

Legal Disclosures are the entire agreement between You and Us.

Representations or promises made by anyone that are not

contained in the EOC, Key Terms, or Legal Disclosures are not a

part of your coverage.

Manufacturer suggested retail price (MSRP) means the

purchase price of the vehicle or the value of the vehicle based

on the National Automobile Dealers Association website at

www.nada.com or similar source.

Rental agreement means the entire agreement or contract that

you receive when renting a vehicle from a vehicle rental agency

that describes in full all of the terms and conditions of the rental,

as well as the responsibility of all parties under the rental

agreement.

Stolen means items that are taken by force and/or under duress

or the disappearance of the item from a known place under

circumstances that would indicate the probability of theft.

United States Dollars (USD) means the currency of the United

States of America.

Vehicle means a land motor vehicle with four wheels that is

designed for use on public roads and intended for use on a

bound surface such as concrete and tarmac. This includes

minivans and sport utility vehicles that are designed to

accommodate less than nine (9) passengers.

MASTERRENTAL

Evidence of Coverage

Pursuant to the below terms and conditions, when you rent a

vehicle for fifteen (15) consecutive days or less with your

covered card, you are eligible for benefits under this coverage.

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

and words that appear in bold and Legal disclosures.

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) offered by the rental company.

You must rent the vehicle in your own name and sign the rental

agreement.

Your rental agreement must be for a rental period of no more

than fifteen (15) consecutive days. Rental periods that exceed or

are intended to exceed fifteen (15) consecutive days are not

covered.

The rented vehicle must have a MSRP that does not exceed

$50,000 USD.

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 a location

and class specific fleet utilization log.

•

Towing charges to the nearest collision repair facility.

This coverage is not all-inclusive, which means it does not cover

such things as personal injury, personal liability, or personal

property. It does not cover you for any damages to other vehicles

or property. It does not cover you for any injury to any party.

C. Coordination of Benefits:

When MasterRental is provided on a secondary basis and a

covered loss has occurred the order in which benefits are

determined is as follows:

1. You or an authorized driver’s primary auto insurance;

2. Collision/damage waiver provided to you by the rental agency;

3. Any other collectible insurance;

4. The coverage provided under this EOC.

If you or an authorized driver’s primary auto insurance or other

coverage has made payments for a covered loss, we will cover

your deductible and any other eligible amounts, described in

Section B, 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

insurance policy liability section may not be subject to a

deductible, which means that you may not receive any benefits

from this program. Contact your insurance provider for full

coverage details pertaining to your personal vehicle liability

insurance policy (or similar coverage).

If you have no other insurance or your insurance does not cover

you in territories or countries outside of the United States,

coverage is considered primary coverage.

D. Who is covered:

The covered card cardholder and those designated in the

rental agreement as authorized drivers.

E. Excluded rental vehicles:

All trucks, pickups, full-size vans mounted on truck chassis

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

campers, off-road vehicles, and other recreational vehicles.

•

All sport utility trucks. These are vehicles that have been or can

be converted to an open, flat bed truck (including, but not

limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade

EXT).

•

Trailers, motorbikes, motorcycles, and any other vehicle having

fewer than four (4) wheels.

•

Antique vehicles (vehicles that are more than twenty (20)

years old or have not been manufactured for at least ten (10)

years), or limousines.

•

Any rental vehicle that has a MSRP that exceeds $50,000 USD.

F. Where you are covered:

Coverage is available worldwide except in the following countries:

Republic of Ireland, Northern Ireland, Israel, Jamaica.

Coverage is not available in countries where:

a) This EOC is prohibited by that countries law; or

b) The terms of the EOC are in conflict with the laws of that

country.

G. Coverage limitations:

We will pay the lesser of the following:

a) The actual repair amount;

b) Wholesale market value less salvage and depreciation;

c) The rental agencies purchase invoice less salvage and

depreciation; or

d) $50,000 USD

In addition, coverage is limited to $500 per incident for

reasonable loss of use charges imposed by the vehicle rental

company for the period of time the rental vehicle is out of

service.

We will not pay for or duplicate the collision/damage waiver

coverage offered by the rental agency.

H. What is NOT covered:

•

Any personal item stolen from the interior or exterior of rental

vehicles.

•

Vehicle keys or portable Global Positioning Systems (GPS).

•

Vehicles not rented by the cardholder or authorized user on

the covered card.

•

Any person not designated in the rental agreement as an

authorized driver.

•

Any obligations you assume other than what is specifically

covered under the rental agreement or your primary vehicle

insurance or other indemnity policy.

•

Any violation of the written terms and conditions of the rental

agreement.

•

Any loss that occurs while driving under the influence of drugs

or alcohol.

•

Any loss associated with racing or reckless driving.

•

Losses involving the theft of the rental vehicle when you or an

authorized driver cannot produce the keys to the rental

vehicle at the time of reporting the incident to the police

and/or rental agency, as a result of 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 that is not caused by theft or

vandalism or is not a result of a vehicle collision causing tire or

rim damage.

•

Rental vehicles where collision/damage waiver coverage (or

similar coverage) was accepted/purchased by you.

•

Any damage that is of an intentional or non-accidental nature,

caused by you or an authorized driver of the rental vehicle.

•

Depreciation, diminishment of value, administrative, storage, or

other fees charged by the vehicle rental company.

•

Vehicles with a rental agreement that exceeds or is intended

to exceed a rental period of fifteen (15) consecutive days from a

rental agency.

•

Losses resulting from any kind of illegal activity.

•

Damage sustained on any surface, other than a bound surface

such as concrete or tarmac.

•

Damage sustained on any road not regularly maintained by a

municipal, state, or federal entity.

•

Losses as a result of war or hostilities of any kind (including, but

not limited to, invasion, terrorism, rebellion, insurrection, riot, or

civil commotion); confiscation or damage by any government,

public authority, or customs official; risks of contraband; illegal

activity or acts.

•

Any loss involving the rental vehicle being used for hire, for

commercial use, or as a public or livery conveyance.

•

Theft of, or damage to, unlocked or unsecured vehicles.

•

Value-added tax, or similar tax, unless reimbursement of such

tax is required by law.

•

Vehicles rented in Republic of Ireland, Northern Ireland, Israel,

Jamaica.

I. 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 loss or the claim

may not be honored.

•

You may choose to assign your benefits under this insurance

program to the rental agency from which you rented your

vehicle. Please contact us or our administrator for further

details.

•

Submit the following documentation within one hundred and

eighty (180) days of the incident or the claim will not be

honored:

Completed and signed claim form.

Receipt showing the vehicle rental.

Statement showing the vehicle rental.

The rental agreement (front and back).

Copy of Your valid driver’s license (front and back).

Copy of the declarations page of any primary vehicle

insurance and other valid insurance or coverage.

Police report when the vehicle is stolen, vandalized

(regardless of the damage), or involved in a collision that

requires the vehicle; to be towed, in a multi-vehicle collision,

or the vehicle is not drivable.

Itemized repair estimate from a factory authorized collision

repair facility.

Copy of the vehicle rental company promotion/discount, if

applicable.

Copy of the vehicle rental location class specific fleet

utilization log, if loss of use charges are being claimed. You

must secure this log from the rental agency.

•

Any other documentation that may be reasonably requested by

us or our administrator to validate a claim.

PURCHASE ASSURANCE

Evidence of Coverage

Pursuant to the below terms and conditions, when an item you

bought with your covered card is damaged or stolen within

ninety (90) days of purchase, you may be eligible for benefits

under this coverage.

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

and words that appear in bold and Legal disclosures.

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.

B. The kind of coverage you receive:

•

Most items you purchase entirely with your covered card are

covered if damaged or stolen for ninety (90) days from the

date of purchase as indicated on your covered card’s receipt.

•

Items you purchase with your covered card and give as gifts

also are covered.

•

This coverage is secondary to any other applicable insurance or

coverage available to you or the gift recipient. Coverage is

limited to only those amounts not covered by any other

insurance or coverage benefit.

C. Coverage limitations:

•

Coverage is limited to the lesser of the following:

The actual cost of the item (excluding delivery and

transportation costs).

A maximum of $1,000 per loss and a total of $25,000 per

cardholder account per twelve (12) month period.

•

Purchases that are made up of a pair or set will be limited to the

cost of repair or replacement of the specific item stolen or

damaged. If the specific item cannot be replaced individually or

repaired, the value of the pair or set will be covered not to

exceed the limits above.

•

Coverage for stolen or damaged jewelry or fine art will be

limited to the actual purchase price as listed on your credit card

statement, regardless of sentimental or appreciated market

value.

D. What is NOT covered:

•

Items left in public sight, out of arm’s reach, lacking care,

custody or control by the cardholder.

•

Lost items, and items that mysteriously disappear (the only proof

of loss is unexplained or there is no physical evidence to show

what happened to the item) without any evidence of a wrongful

act.

•

Items that are stolen from any location or place (including, but

not limited to, exercise facilities, places of employment, schools,

or places of worship) due to the lack of due diligence by you or

another party.

•

Items lost, stolen, damaged, or mis-delivered while under the

care, custody, and control of another party or common carrier

(including, but not limited to, airlines, the U.S. Postal Service,

UPS, FedEx, or other delivery services).

•

Losses due to normal wear and tear, misuse, gradual

deterioration, and/or abuse.

•

Losses resulting from any dishonest, fraudulent, or criminal act

committed or arranged by you.

•

Losses that cannot be verified or substantiated.

•

Items covered by a manufacturer’s recall or class action suit.

•

Items that you damage through alteration (including, but not

limited to, cutting, sawing, shaping).

•

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.

•

Stolen items without a documented report from the police.

•

Items that are damaged during transport via any mode.

•

Items stolen from the interior or exterior of a watercraft/boat,

aircraft, motorcycle, automobile or any other motor vehicles.

•

Motorized vehicles, including, but not limited to, automobiles,

watercraft/boats, aircraft, and motorcycles, or their motors,

equipment, or accessories. Motorized equipment not designed

for transportation and used solely for the upkeep and

maintenance of a residence is eligible for coverage. (including,

but not limited to, snow thrower, lawn mowers, and hedge

trimmers).

•

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

dwellings), permanently installed items, fixtures, or structures.

•

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.

•

Losses caused by insects, animals, or pets.

•

Plants, shrubs, animals, pets, consumables, and perishables.

•

Items purchased for resale, rental, professional, or commercial

use.

•

Professional services (including, but not limited to, the

performance or rendering of labor or maintenance; repair or

installation of products, goods, or property; professional 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, computer programs, operating software,

and other software.

•

Losses 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 official; risks of

contraband; illegal activity or acts.

•

Losses caused by power surge, contamination by radioactive or

hazardous substances, including mold.

•

Direct or indirect loss resulting from any Acts of God (including,

but not limited to, flood, hurricane, lightning, and earthquake).

•

Losses caused by liquids, fluids, oils, chemicals, or bodily

fluids/excretions.

•

Game animals, pets, or specimens preserved for display (e.g.,

fish, birds, reptiles, or mammals).

•

Items stolen or damaged at a new home construction site.

•

Rented, leased, or borrowed items for which you will be held

responsible.

•

Trip, service, or diagnostic charges in the absence of any

covered repairs or verified failure.

•

Any shipping charges, transportation and delivery charges, or

promised time frames for delivery, whether or not stated or

covered by the 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 loss or the claim

may not be honored.

•

Submit the following documentation within one hundred and

eighty (180) days of the date you report the claim:

Completed and signed claim form.

Repair estimate for damaged item(s).

Photograph clearly showing damage, if applicable.

Receipt showing purchase of covered item(s).

Statement showing purchase of covered item(s).

Report from police listing any items stolen.

Copy of the declarations page of any applicable insurance or

protection (including, but not limited to, homeowner’s,

renter’s, or auto insurance policy).

Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

EXTENDED WARRANTY

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

and words that appear in bold and 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 twelve (12) 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. An example of a product with multiple

warranty components includes an appliance with original

manufacturer’s (or U.S. store brand) warranties that differ for

parts, labor, compressor, etc.

•

If you purchase a service contract or an optional extended

warranty of 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,

whichever is less.

•

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

warranty or the service contract covers more than twelve (12)

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.

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, 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 official; risks of contraband, illegal

activity, or acts.

•

Mechanical failures caused by normal wear and tear or gradual

deterioration where no failure has occurred.

•

Items purchased for resale, professional, or commercial use.

•

Mechanical failures caused by lack of maintenance/service.

•

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.

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.

PRICE PROTECTION

The Legal Disclosure is part of this agreement.

Key Terms:

Throughout this document, You and Your refer to the

cardholder or authorized user of the covered card. We, Us,

and Our refer to AIG WarrantyGuard, Inc.

Administrator means Sedgwick Claims Management Services,

Inc., you may contact the administrator if you have questions

regarding this coverage or would like to make a claim. The

administrator can be reached by phone at 1-800-MASTERCARD.

Auction (online or live) means a place or Internet site where

items are sold through price bids, price quotes; or where prices

fluctuate based on the number of people 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 card by the cardholder and is

recorded by the Participating Organization on its records as being

an authorized user.

Cardholder means the person who has been issued an account

by the Participating Organization for the covered card.

Covered card means the MasterCard card.

Non-auction internet advertisements means advertisements

posted on the Internet, by a non-Auction Internet merchant with

a valid tax identification number. The advertisement must have

been posted within sixty (60) 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 sixty (60) days after the date you purchased the

product and must be for the identical item (advertisement must

verify same manufacturer and model number).

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.

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 sixty (60) days from the date of purchase as indicated

on your receipt.

B. The kind of coverage you receive:

•

Purchases you make entirely with your covered card are

covered for sixty (60) days from the date of purchase as

indicated on your receipt for 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).

C. 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.

D. 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 sixty (60) days from the date you purchased the

item.

•

Items advertised or shown as price quotes, bids or final sale

amounts from a non-auction Internet site.

•

Items advertised in or as a result of “limited quantity,” “going

out-of-business sales,” “close out”, or as “discontinued”.

•

Printed advertisements or non-auction Internet

advertisements that display pricing lower than your purchased

item due to rebates, special offerings, bonuses, free

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.,

fish, birds, reptiles, or mammals).

•

Traveler’s checks, tickets of any kind (e.g., for airlines, sporting

events, concerts, or lottery), negotiable instruments, bullion, rare

or precious metals, stamps, and coins, currency or its equivalent.

•

Differences in price due to sales tax, storage, shipping, handling,

postage, transportation, and delivery.

•

Differences in price due to foreign exchange rates or fluctuation

in foreign exchange rates.

E. How to file a claim:

For a Printed Advertisement:

•

Call 1-800-MASTERCARD to request a claim form. You must

report the claim within sixty (60) days of the incident or the

claim may not be honored.

•

Submit the following documentation within one hundred and

eighty (180) days of the 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.

Itemized purchase receipt(s).

Any other documentation that may be reasonably requested by

us or our administrator to validate a claim.

For a Non-Auction Internet Advertisement:

•

Call 1-800-MASTERCARD to request a claim form. You must

report the claim within sixty (60) days of the incident or the

claim may not be honored.

•

Submit the following documentation within one hundred and

eighty (180) days of the 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.

IDENTITY THEFT RESOLUTION SERVICES

Program Description:

Personal Identity Theft Resolution Services provides you with

access to a number of Identity Theft resolution services, should

you believe you are a victim of Identity Theft.

Eligibility:

To be eligible for this coverage, you must be a valid MasterCard

cardholder issued by a U.S. financial institution.

Access:

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. They

include:

• Providing the cardholder with a uniform Identity Theft

Affidavit 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.

• Assistance in notifying all three major credit reporting

agencies to obtain a free credit report for the cardholder and

placing an alert on the cardholder’s record with the agencies.

• Assisting the cardholder with debit, credit and/or charge card

replacement.

• Assisting cardholder with membership/affinity card

replacement.

• Educating the cardholder on how Identity Theft can occur

and of protective measures 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.

Identity Theft Alerts:

MasterCard is offering Cardholders cyber security through Identity

Theft Alerts, CSID’s proprietary Internet surveillance technology

that proactively detects the illegal trading and selling of personally

identifiable information (PII) online. At any point in time, Identity

Theft Alerts is tracking thousands of websites and millions of data

points, and alerting Cardholders whose personal information they

find has been compromised online. This information is being

gathered in real-time so that Cardholders have the opportunity to

react quickly and take the necessary steps to protect themselves.

Get started at no cost to you by enrolling

at http://www.mastercard.us/idtheftalerts

Charges:

There is no charge for these services, they are provided by your

Financial Institution.

Services are NOT provided when:

•

When it is determined you have committed any dishonest,

criminal, malicious, or fraudulent act.

•

When your financial institution or card issuer, which provides

this service, has investigated the event and deemed you are

responsible for the charge or event.

•

When any theft or unauthorized use of an account by a person

to whom the account has been entrusted has been committed.

Program provisions for personal identity theft services

This service applies 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, CSIdentity Corporation, relies on the truth of

statement made in the Affidavit or declaration from each

cardholder. This service is provided to eligible MasterCard

cardholders at no additional cost and is in effect for acts occurring

while the program is in effect. The terms and conditions

contained in this program guide may be modified by subsequent

endorsements. Modifications to the terms and conditions may be

provided via additional Guide mailings, statement inserts, or

statement messages. 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 effect without interruption, no such notice

is necessary. For general questions regarding these services,

please contact 1-800-MasterCard.

MASTERASSIST TRAVEL ASSISTANCE

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 differ from the exact rate that issuers use for

transactions on your card. Information on exchange rates for

items billed on your statement should be obtained from the

financial institution that issued your card. 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 regarding

road conditions.

Travel Services Medical Assistance

•

Provides a global referral network of general physicians,

dentists, hospitals and pharmacies. We can also help you refill

prescriptions with local pharmacists (subject to local laws).

•

In the event of emergencies, a stateside physician or nurse can

be contacted for consultation with the local medical staff and to

monitor your condition. If you are hospitalized, we can arrange

to have messages relayed home, transfer you to another facility

if medically necessary, or have a family member or close friend

brought to your 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

(jump-starts, towing, gas delivery, and tire changes) are pre-

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 “off road” areas not accessible by ordinary towing

vehicles, or for over one-ton capacity trailers, campers or

vehicles-in-tow.

•

If you have a rental car, be sure to call the rental car agency

before you call 1-800-MASTERCARD, as many rental agencies

have special procedures regarding emergency road service

assistance.

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 – 0800-21-8235

Netherlands – 0800-022-5821

France – 0-800-90-1387

Poland – 0-0800-111-1211

Germany – 0800-819-1040

Portugal – 800-8-11-272

Hungary – 06800-12517

Spain – 900-97-1231

Ireland – 1-800-55-7378

United Kingdom – 0800-96-4767

Italy – 800-870-866

Virgin Islands – 800-307-7309

For additional information, or for country-specific, toll-free

telephone numbers not listed above, visit our Web site 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 Web

site 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.

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.

LEGAL DISCLOSURE

This Guide to Benefits is not, by itself, a policy or contract of

insurance or other contract.

Benefits are provided to you, the accountholder, at no additional

charge. Non-insurance services may have associated costs, which

will be your responsibility (for example, legal referrals are free, but

the lawyer’s fee is your responsibility).

The insurance benefits are provided under a group policy issued

by New Hampshire Insurance Company, an AIG company. This

Guide to Benefits is a summary of benefits provided to you. The

attached Key Terms and EOC is governed by the Group Policy.

Effective date of benefits: Effective February 1, 2015, this

Guide to Benefits replaces all prior disclosures, program

descriptions, advertising, and brochures by any party. The

Policyholder and the insurer reserve the right to change the

benefits and features of these programs at anytime. Notice will be

provided for any changes.

Cancellation: The Policyholder can cancel these benefits at any

time or choose not to renew the insurance coverage for all

cardholders. If the Policyholder does cancel these benefits, you

will be notified in advance. If the insurance company terminates,

cancels, or chooses not to renew the coverage to the

Policyholder, you will be notified as soon as is practicable.

Insurance benefits will still apply for any benefits you were eligible

for prior to the date of such terminations, cancellation, or non-

renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to the cardholder

whose cards are issued by U.S. financial institutions. The United

States is defined as the fifty (50) United States, the District of

Columbia, American Samoa, Puerto Rico, Guam, and the U.S.

Virgin Islands. No person or entity other than the cardholder

shall have any legal or equitable right, 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 account is suspended or cancelled, subject to the terms

and conditions of coverage.

Transfer of rights or benefits: No rights or benefits provided

under these insurance benefits may be assigned without the prior

written consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if the

cardholder has concealed or misrepresented any material facts

concerning this coverage.

Dispute Resolution – Arbitration: This EOC requires binding

arbitration if there is an unresolved dispute concerning this EOC

(including the cost of, lack of or actual repair or replacement

arising from a loss or breakdown). Under this Arbitration

provision, You give up your right to resolve any dispute arising

from this EOC by a judge and/or a jury. You also agree not to

participate as a class representative or class member in any class

action litigation, any class arbitration or any consolidation of

individual arbitrations. In arbitration, a group of three (3)

arbitrators (each of whom is an independent, neutral third party)

will give a decision after hearing the parties’ positions. The

decision of a majority of the arbitrators will determine the

outcome of the arbitration and the decision of the arbitrators

shall be final and binding and cannot be reviewed or changed by,

or appealed to, a court of law.

To start arbitration, the disputing party must make a written

demand to the other party for arbitration. This demand must be

made within one (1) year of the earlier of the date the loss

occurred or the dispute arose. The parties will each separately

select an arbitrator. The two (2) arbitrators will select a third

arbitrator called an “umpire.” Each party will each pay the

expense of the arbitrator selected by that party. The expense of

the umpire will be shared equally by the parties. Unless otherwise

agreed to by the parties, the arbitration will take place in the

county and state in which You live. The arbitration shall be

governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.)

and not by any state law concerning arbitration. The rules of the

American Arbitration Association (www.adr.org) will apply to any

arbitration under this EOC. The laws of the state of New York

(without giving effect to its conflict of law principles) govern all

matters arising out of or relating to this EOC and all transactions

contemplated by this EOC, including, without limitation, the

validity, interpretation, construction, performance and

enforcement of this EOC.

Due Diligence: All parties are expected to exercise due diligence

to avoid or diminish any theft, loss or damage to the property

insured under these programs. “Due diligence” means the

performance of all vigilant activity, attentiveness, and care that

would be taken by a reasonable and prudent person in the same

or similar circumstances in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the

insurance company is entitled to recover such amounts from

other parties or persons. Any party or cardholder who receives

payment under these benefits must transfer to the insurance

10!

company his or her rights to recovery against any other party or

person and must do everything necessary to secure these rights

and must do nothing that would jeopardize them, or these rights

will be recovered from the cardholder.

Salvage: If an item is not repairable, the claim administrator may

request that the cardholder or gift recipient send the item to the

administrator for salvage at the cardholder’s or gift recipient’s

expense. Failure to remit the requested item for salvage to the

claim administrator may result in denial of the claim.

Other Insurance: Coverage is secondary to and in excess of any

other applicable insurance or indemnity available to You.

Coverage is limited to only those amounts not covered by any

other insurance or indemnity. It is subject to the conditions,

limitations, and exclusions described in this document. In no event

will this coverage apply as contributing insurance. This Other

Insurance clause will take precedence over a similar clause found

in other insurance or indemnity language.

In no event will these insurance benefits apply as contributing

insurance. The non-contribution insurance clause will take

precedence over the non-contribution clause found in any other

insurance policies.

Severability of Provisions: If in the future any one or more of

the provisions of this Guide to Benefits is, to any extent and for

any reason, held to be invalid or unenforceable, 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

master insurance policies, or an issuer’s, or the MasterCard actual

offerings, such master policies or actual offering shall control.

Provision of services is subject to availability and applicable legal

restrictions.

To file a claim, call 1-800-MASTERCARD:

1-800-624-8372, or en Español:

1-800-633-4466.

Visit our Web site at www.mastercard.com.