Mastercard® Guide to Benefits

Mastercard

Guide

to Beneﬁ ts

for Small Business

Cardholders

Wintrust Community Banks

Mastercard for the Following

Small Business Cardholders:

Mastercard

Business Card

World Elite Mastercard

for Business Card

Debit Mastercard

Business Card

World Elite Debit Mastercard

Business Card

Mastercard

Prepaid Business Card

Important information. Please read and save.

To ﬁ le 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.

The chart below identies the specic benets of each

program at a glance. Please take a few minutes to familiarize

yourself with the benets of each program. You may also

want to make a photocopy to take with you when traveling.

This Guide applies to travel and retail purchases made on or

after October 28, 2019, and supersedes any previous Guide

or program.

Intuit QuickBooks

Intuit TurboTax

Salesforce Essentials

Microsoft 365

Mastercard Receipt

Management

Cellular Wireless Telephone

Protection

Mastercard ID Theft

Protection

Mastercard Global Service

MasterRental Insurance

Mastercard Travel &

Lifestyle Services

Premium Easy Savings*

Easy Savings*

Mastercard Business

Assistant

ShopRunner

Business

Card

World Elite for

Business Card

Debit Business

Card

World Elite

Debit Business

Card

Eligible Prepaid

Business Card

*Subject to Card Issuer participation. Please check with your issuer to

see if you are enrolled in the Easy Savings program.

Certain benets are subject to Card Issuer participation.

Please check with your Issuer to ensure that you are enrolled.

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.

Account Holder means a person to whom an Eligible Account

is issued and who holds the Eligible Account under his or her

name.

Administrator means Sedgwick Claims Management

Services, Inc. You may contact the administrator if you have

questions regarding this coverage or would like to make

a claim. The administrator 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 residence and indicated on

the rental agreement.

Authorized User means a person who is recorded as an

authorized user of an Eligible Account by the Account Holder

and who is authorized by the Account Holder to make

payments to the Eligible Account.

Cardholder means the Account Holder or Authorized User of

an Eligible Account in good standing.

Covered Card means the Mastercard® card linked to your

Eligible Account.

Eligible Account means the account associated with the

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

account, line of credit, loan, certicate of deposit or other

account that is eligible for coverage under the Group Policy.

Eligible Cellular Wireless Telephones means the cellular

telephones associated with the primary line and additional

or supplemental lines on the Eligible Person’s monthly billing

statement from a cellular provider for the billing cycle

preceding the month in which the theft or damage occurred.

Eligible Person means a Cardholder who charges his or her

monthly bill for an Eligible Cellular Wireless Telephone to his or

her Covered Card. No person or entity other than the Eligible

Person(s) described shall have any legal or equitable right,

remedy or claim for the insurance proceeds arising out of this

coverage.

Evidence of Coverage (EOC) means the summary of

benets set forth below which describe the terms, conditions,

limitations and exclusions of the coverage provided to

you at no additional charge under a Group Policy issued

by New Hampshire Insurance Company, an AIG company.

Representations or promises made by anyone that are not

contained in the group policy are not part of your coverage.

In the event the EOC, Key Terms, or Legal Disclosures of this

Guide to Benets conict with the provisions of the group

policy, the terms of the group policy govern your coverage.

Group Policy means the Cellular Protection Insurance Policy

entered between New Hampshire Insurance Company, an AIG

Company, and Mastercard Insurance Master Trust, which is

the subject of this Guide to Benets.

Manufacturer Suggested Retail Price (MSRP) means the

purchase price of the vehicle or the value of the vehicle.

Mysteriously Disappear means the vanishing of an item in an

unexplained manner where there is absence of evidence of a

wrongful act by a person or persons.

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.

Small Business Card means Mastercard Small Business

debit, Mastercard Small Business credit cards and/or eligible

Mastercard-branded Small Business prepaid cards.

Stolen means taken by force and/or under duress or a loss

which involves the disappearance of an Eligible Cellular

Wireless Telephone from a known place under circumstances

that would indicate the probability of theft and for which a

police report was led within forty-eight hours of the 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.

BUSINESS SERVICES

Intuit QuickBooks® Online Discount

Program Description:

QuickBooks Online is accounting software for self-employed

and small businesses designed to help manage sales and

expenses, get invoices paid, accept payments and much more.

With real-time, accurate data you can access anywhere,

anytime, and with any device, you’ll always know where

you stand so you can focus on your business. Mastercard

cardholders can sign up for a 30-day free trial and save up to

50% on QuickBooks Online products.

Eligibility:

To be eligible for a discount on Intuit QuickBooks Online, you

must have a valid Mastercard Small Business Card issued by a

U.S. nancial institution. Trial and discount oers are valid for

new QuickBooks Online subscriptions only.

How to use the Intuit QuickBooks® Online benet:

Visit https://intuit.me/quickbooks_mc and

follow instructions to purchase the appropriate version of

QuickBooks® Online for your business. Use your Mastercard

Small Business Card to pay for your discounted purchase

(discounts for new QuickBooks® Online customers only).

Terms and Conditions:

QuickBooks Terms of Service can be found at https://

quickbooks.intuit.com/global/terms-of-service/.

Intuit TurboTax® Discount

Program Description:

TurboTax, the #1 best-selling tax preparation software,

coaches consumers and small businesses step-by-step

through their federal and state taxes, no previous tax

knowledge needed. TurboTax guarantees 100% accurate

calculations and your maximum tax refund, so you can be

condent your taxes are done right. Mastercard cardholders

can save up to $20 on TurboTax federal products.

Discounts are applicable to TurboTax Online and

TurboTax download versions:

• TurboTax Self-Employed uncovers industry-specic

Partnerships, S Corps, C Corps, multi-member LLCs, trusts

and estates

• TurboTax Live products oer real-time expert advice on

demand and a nal review of your return by a CPA or EA

Eligibility:

To be eligible for a discount on Intuit TurboTax, you must

have a valid Mastercard Small Business Card issued by a U.S.

nancial institution.

How to use the Intuit TurboTax benet:

Visit https://turbotax.intuit.com/aliate/wintrustmc

deductions personalized to you and your line of work

• TurboTax Business (download version) is designed for

and follow instructions to purchase

the right version of TurboTax for your business. Use your

Mastercard Small Business Card to pay for your discounted

purchase.

TurboTax Terms of Service can be found at https://turbotax.

intuit.com/corp/terms-of-service.jsp and TurboTax Product

Guarantees and other important information are located at

https://turbotax.intuit.com/lp/yoy/guarantees.jsp.

Salesforce Essentials Discount

Program Description:

Salesforce Essentials is the #1 CRM built for small teams.

It includes Sales and Customer Support functionalities in a

single app.

• Start instantly: Get up and running in minutes with step by

step guided setup and live in-app support from coaches

• Sell smarter & faster: Bring all customer & sales data

into one place, automatically capture customer emails &

meetings and sell on the go

• Deliver standout customer support: Respond to customers

on any channel, automate repetitive support tasks and

provide branded self-service help

• Scale as you grow: Grow on the Salesforce platform with

pre-built integrations and continuous innovations

Salesforce Essentials is regularly priced at $25/month.

Exclusive to Mastercard® Small Business customers, customer

can manage sales and support in a single app for just

$9.99/user/month for up to 10 users.

Eligibility:

To be eligible for a discount on Salesforce Essentials, you must

have a valid Mastercard Small Business Card issued by a U.S.

or Canadian nancial institution. Discount oers are valid

for new Salesforce Essentials customers only, and only apply

for the rst year of access. Subsequent renewal years will be

subject to the then applicable regular Salesforce Essential

price.

How to use the Salesforce Essentials benet:

Visit https://www.salesforce.com/essentials-mc-benets

and sign up for a free 14-day trial of Salesforce Essentials.

Purchase Salesforce Essentials in-app with your Mastercard

Small Business Card to unlock the unique oer for Mastercard

cardholders. Use your Mastercard Small Business Card to pay

for your discounted purchase.

Terms and Conditions:

Salesforce Essentials Terms of Service can be found at:

• https://www.salesforce.com/content/dam/web/en_us/

www/documents/legal/salesforce_MSA.pdf

• https://c1.sfdcstatic.com/content/dam/web/en_us/www/

documents/legal/Agreements/product-specic-terms/

salesforce-essentials.pdf

Microsoft 365 Discount

Program Description:

Microsoft 365 is an integrated productivity solution that

brings together best-in-class Oce apps like Word,

PowerPoint, and Excel with cloud services like professional

email, online meetings + chat, cloud le storage and more.

Get more done with professional-grade tools – all while

safeguarding employees, data, and customer information.

At no additional cost, Mastercard Small Business Card

Cardholders are eligible for a special Microsoft oer: rst-

time Microsoft 365 Business or Oce 365 Business Premium

subscribers can get a complimentary rst four months with a

one-year subscription – up to 5 users. Discounts are applicable

for new Oce 365 Business Premium or Microsoft 365

Business customers only. Terms and Conditions apply.

Eligibility:

To be eligible for a discount on Microsoft 365 Business

or Oce 365 Business Premium, you must have a valid

Mastercard Small Business Card issued by a U.S. nancial

institution. Discount oers are valid for new Microsoft 365

and Oce 365 subscriptions only and must be redeemed

through Microsoft online store.

How to use the Microsoft Oce 365 Business

Premium or Microsoft 365 Business benet:

Visit https://aka.ms/mastercardbenets and follow

instructions to validate your Mastercard and receive your

unique promotion code. Once you have the promotion code,

follow the links provided to redeem through the Microsoft

online store.

Terms and Conditions:

Oce 365 Business Premium and Microsoft 365 Business

are subject to the Microsoft Online Service Terms at https://

portal.oce.com/Commerce/Mosa.aspx.

Mastercard Receipt Management

Program Description:

Mastercard oers a mobile Receipt Management application

for all Mastercard Small Business Card Cardholders in the

United States at no additional charge. Business owners and

employees can snap photos of receipts to store them securely

in the cloud. This will help businesses to better understand

their expenses and manage their nancial health. Receipts are

foundational to better cash management for small businesses

and the Mastercard Receipt Management app helps them

categorize expenses (including personal vs. business),

attach detailed notes, easily export data, and view clear

reporting. Sort and view stored receipts based on merchant

name, purchase date, amount, or expense category. Once

the information is in the system, easily export your receipt

images and/or the associated expense data to share with a

bookkeeper or accountant.

Eligibility and Activation:

To use the app simply search for and download the iOS or

Android version of Mastercard Receipt Management from

the Apple or Google app store. Then use your valid Mastercard

Small Business Card (issued by a U.S. nancial institution) to

activate the mobile app.

Mastercard Business Assistant

Mastercard® Business World Elite oers you the Mastercard

Business Assistant Service. Imagine your own Assistant

24 x 7 x 365, where knowledgeable experts can assist with

all your business needs, whenever you need it. This provides

robust, personalized features that will save you time and

simplify your busy day, such as:

• Local experts who can provide on-site assistance with

everyday business needs like helping identify the best

location for a client meeting or installing a new printer.

• Reminder service for those dates or events that you can’t

aord to miss. Let the Mastercard Business Assistant

assist you today, so you can get back to business!

Mastercard service experts look forward to assisting you

at 1-844-281-5031.

PEACE OF MIND

Cellular Wireless Telephone Protection – Commercial

Evidence of Coverage:

Refer to Key Terms for the denitions of you, your, we, us, our,

and words that appear in bold. This EOC is subject to the

Legal Disclosures set forth below.

A. To get coverage:

You must charge your monthly Eligible Cellular Wireless

Telephone bill to your Covered Card. You are eligible for

coverage the rst day of the calendar month following the

payment of your Eligible Cellular Wireless Telephone bill to

your Covered Card. If you pay an Eligible Cellular Wireless

Telephone bill with your Covered Card and fail to pay a

subsequent bill to your Covered Card in a particular month,

your coverage period changes as follows:

1. Your coverage is suspended beginning the rst day of the

calendar month following the month of nonpayment to

your Covered Card; and

2. Your coverage resumes on the rst day of the calendar

month following the date of any future payment of your

Eligible Cellular Wireless Telephone bill with your Covered

Card.

B. The kind of coverage you receive:

• Reimbursement for the actual cost to replace or repair a

Stolen or damaged Eligible Cellular Wireless Telephone.

• Coverage ends on the earliest of: The date you no longer are

a Cardholder; the date the Eligible Account is determined

to be ineligible by the participating organization; the date

the participating organization ceases to pay premium on the

Group Policy; the date the participating organization ceases

to participate in the Group Policy; the date the Group Policy

is terminated.

C. Coverage limitations:

Coverage for a Stolen or damaged Eligible Cellular Wireless

Telephone is subject to the terms, conditions, exclusions, and

limits of liability of this benet. The maximum liability is $800

per claim, and $1,000 per 12-month period. Each claim is

subject to a $50 deductible. Coverage is limited to two (2)

claims per 12 month period.

Coverage is excess of any other applicable insurance or

indemnity available to you. Coverage is limited only to those

amounts not covered by any other insurance or indemnity. In

no event will this coverage apply as contributing insurance.

This “noncontribution” clause will take precedence over a

similar clause found in other insurance or indemnity language.

D. What is NOT covered:

The following items are excluded from coverage under the

Group Policy:

• Eligible Cellular Wireless Telephone accessories other than

the standard battery and standard antenna provided by the

manufacturer;

• Eligible Cellular Wireless Telephones that are lost or

Mysteriously Disappear;

• Eligible Cellular Wireless Telephones under the care and

control of a common carrier, including, but not limited to, the

U.S. Postal Service, airplanes or delivery service;

• Eligible Cellular Wireless Telephones Stolen from baggage

unless hand-carried and under the Eligible Person’s

supervision or under the supervision of the Eligible Person’s

traveling companion who is previously known to the Eligible

Person;

• Eligible Cellular Wireless Telephones Stolen from a

construction site;

• Eligible Cellular Wireless Telephones which have been rented

or leased from a person or company other than a cellular

provider;

• Eligible Cellular Wireless Telephones which have been

borrowed;

• Eligible Cellular Wireless Telephones that are received as part

of a pre-paid plan;

• Cosmetic damage to the Eligible Cellular Wireless Telephone

or damage that does not impact the Eligible Cellular Wireless

Telephone’s ability to make or receive phone calls (including

minor screen cracks and fractures less than 2 inches in length

that do not prevent the ability to make or receive phone calls

or to use other features related to making or receiving phone

calls);

• Damage or theft resulting from abuse, intentional acts,

fraud, hostilities of any kind (including, but not limited to,

war, invasion, rebellion or insurrection), conscation by the

authorities, risks of contraband, illegal activities, normal

wear and tear, ood, earthquake, radioactive contamination,

or damage from inherent product defects or vermin;

• Damage or theft resulting from mis-delivery or voluntary

parting from the Eligible Cellular Wireless Telephone;

• Replacement of Eligible Cellular Wireless Telephone(s)

purchased from anyone other than a cellular service

provider’s retail or internet store that has the ability to

initiate activation with the cellular service provider;

• Taxes, delivery or transportation charges or any fees

associated with the service provided; or

• Losses covered under a warranty issued by a manufacturer,

distributor or seller.

In addition, we shall not be deemed to provide cover and we

shall not be liable to pay any claim or provide any benet

under the Group Policy to the extent that the provision

of such cover, payment of such claim or provision of such

benet would expose us, our parent company or its ultimate

controlling entity to any sanction, prohibition or restriction

under United Nations resolutions or the trade or economic

sanctions, laws or regulations of the European Union or the

United States of America.

E. How to le a claim:

Call 1-800-mastercard or go to www.mycardbenets.com to

open a claim. You must report the claim within 90 days of the

loss, or as soon as reasonably possible, or the claim may not

be honored. Upon receipt of a notice of claim, we will provide

you with the necessary instructions for ling proof of loss.

Written proof of loss must be submitted to our Administrator

within 120 days of the loss or the claim may not be honored.

Required documentation may include but is not limited to the

following:

• Your card statement reecting the monthly Eligible Cellular

Wireless Telephone payments for the month preceding the

date the Eligible Cellular Wireless Telephone was Stolen or

suered damage;

• A copy of your current wireless service provider’s billing

statement;

• If a claim is due to damage, a copy of the repair estimate and

photos of the damage;

• If the claim is due to theft, a copy of the police report led

within 48 hours of the theft;

• Any other documentation or information reasonably

requested by us to support the claim.

Legal Disclosure:

This Guide to Benets is not, by itself, a policy or contract of

insurance or other contract.

Benets are provided to you, the Cardholder, at no additional

charge.

The insurance benets are provided under the Group Policy

issued by New Hampshire Insurance Company, an AIG

company. This Guide to Benets is a summary of benets

provided to you. The attached Key Terms and EOC are

governed by the Group Policy.

Eective date of benets: This Guide to Benets replaces

all prior disclosures, program descriptions, advertising, and

brochures by any party. The policyholder and the insurer

reserve the right to change the benets and features of these

programs at any time. Notice will be provided for any changes.

Cancellation: The policyholder may cancel these benets at

any time or choose not to renew the insurance coverage for all

Cardholders. If the policyholder cancels these benets, you will

be notied in advance. If we terminate, cancel, or choose not

to renew the coverage to the policyholder, you will be notied

as soon as is practicable. Insurance benets will still apply for

any eligible coverage that attaches prior to the date of such

termination, cancellation, or non-renewal, subject to the terms

and conditions of coverage.

Benets to you: These benets apply only to Eligible Accounts

issued in the United States. The United States is dened as

the fty U.S. states and the District of Columbia. No person

or entity other than you shall have any legal or equitable

right, remedy, or claim for benets, insurance proceeds and

damages under or arising out of these programs. These

benets do not apply if your card privileges have been

cancelled. However, insurance benets will still apply for any

benet you were eligible for prior to the date that your Eligible

Account is suspended or cancelled, subject to the terms and

conditions of coverage.

Transfer of rights or benets: The Group Policy is not

assignable, but the benets may be assigned.

Intentional Misrepresentation and Fraud: If any request for

benets made under the Group Policy is determined to be

fraudulent, or if any fraudulent means or devices are used

by you or anyone qualifying as an insured to obtain benets

under the Group Policy, all benets will be forfeited. No

coverage is provided if you or anyone qualifying as an insured

does the following: (1) conceals or misrepresents any fact

upon which we rely, if the concealment or misrepresentation

is material and is made with the intent to deceive; or (2)

conceals or misrepresents any fact that contributes to the

loss.

Due Diligence: You must exercise or perform all vigilant

activity, attentiveness, and care that would be exercised or

performed by a reasonable and prudent person in the same or

similar circumstances to avoid, diminish, or reduce any loss or

damage insured under the Group Policy.

Subrogation: If payment is made under these benets, we

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

payments, from other parties or persons. Any party or person

who receives payment under these benets must transfer

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

person and must do everything necessary to secure these

rights and must do nothing that would jeopardize them.

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

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

remit the requested item for salvage to us may result in denial

of the claim.

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

the provisions of this Guide to Benets 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.

Benets listed in this Guide to Benets are subject to the

conditions, limitations, and exclusions described in each

benet section. Receipt and/or possession of this Guide to

Benets does not guarantee coverage or coverage availability.

This Guide is intended as a summary of services, benets, and

coverages and, in case of a conict between the Guide and

the Group Policy, the Group Policy shall control.

Washington Residents: For Washington residents only,

Evidence of Coverage (EOC) means the section of this

Guide to Benets that describes the terms, conditions, and

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

Disclosures are in the entire agreement between you and us.

Representations or promises made by anyone that are not

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

part of your coverage. In case of a conict between this Guide

to Benets and the Group Policy, the Guide to Benets shall

control.

Mastercard ID Theft Protection (IDT)

Program Description:

Mastercard ID Theft Protection provides you with access to

a number of Identity Theft resolution services, should you

believe you are a victim of Identity Theft. This product oering

prevents identity theft by monitoring the Internet, indexed and

not, searching for compromised credentials and potentially

damaging use of cardholders’ personal information in order to

detect fraud at its inception.

Eligibility:

All Mastercard Small Business cardholders in the US are

eligible for this coverage.

Access:

Simply contact 1-800-Mastercard if you believe you have

been a victim of Identity Theft.

Services provided:

Services provided are on a 24-hour basis, 365 days a year.

In order to receive the following services, you must enroll at

https://mastercardus.idprotectiononline.com/. The services

include:

Online Monitoring Dashboard (requires activation): The

online monitoring dashboard is the primary user interface

for cardholders. It serves as a repository of all the personally

identiable information (PII) data the cardholder wants

to monitor, tracks and displays cardholders’ risk score, and

provides access to identity protection tips. It is also the

platform for cardholders to respond to identity theft alerts.

Monthly Risk Alert / Newsletter: Cardholders will receive a

monthly newsletter with information on the cardholder’s risk

score, and articles pertaining to good identity theft practices.

Identity Monitoring: IDT searches the internet to detect

compromised credentials and potentially damaging use of

cardholders’ personal information, and alerts them via email

so that they can take immediate action. This platform utilizes

automated monitoring and human threat intelligence from

cyber operations agents monitoring threat actors and their

tactics on the deep and dark web where personal data is

bought and sold. Data elements that can be monitored are:

• Email addresses

• Debit/credit cards

• Bank Accounts

• Web logins; username and password

• Medical insurance cards

• Drivers’ license

• Loyalty cards

• Anity cards

• Passport number

• Vehicle Insurance cards

• Social Security Number

Mastercard is oering cardholders the above-mentioned

protections through Iris OnWatch, Generali Global Assistance’s

proprietary internet surveillance technology that proactively

detects the illegal trading and selling of personally identiable

information (PII) online. At any point in time, Iris is tracking

thousands of websites and millions of data points, and

alerting cardholders whose personal information they nd 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.

Resolution Services: Cardholders will have access to a team

of identity theft resolution specialists, available 24hours a

day, 365 days a year to help resolve cardholders’ identity

theft incidents and prevent further damage. The resolution

specialists are native speakers of English, French and Spanish,

and are based out of Bethesda, Maryland. Cardholders are

given the option to give limited power of attorney (LPOA) to

the specialist, to allow them to conduct resolution activities

on the cardholders’ behalf, including contacting police, credit

agencies, and other authorities, translating information, and

closing and replacing breached accounts.

Lost Wallet Assistance: Cardholders will be provided

assistance with notifying the appropriate issuing authorities

to cancel and replace stolen or missing items, such as their

debit/credit, Social Security card, and passport.

Emergency Cash Advance and Travel Arrangements:

Cardholders are provided an emergency cash advance of up

to $500 and assistance with making travel arrangements,

including airline, hotel, and car rental reservations. This service

is available when an ID theft event occurs more than 100

miles away from the cardholders’ primary place of residence.

Single Bureau Credit Monitoring: Cardholders’ TransUnion

credit le will be monitored for changes that could indicate

fraud such as new credit inquiries, an address change or new

credit account(s) opened in their name. An alert notication

via email will be sent anytime a hard inquiry is made on the

cardholders’ TransUnion credit le so they can take immediate

action to minimize damage.

Financial Account Takeover: IDT monitors cardholder’s high-

risk transactions with more than 300 of the nation’s largest

companies to uncover and thwart account takeover attempts.

Monitored transactions include:

• Credit cards

• Bank accounts

• Brokerage accounts

• Healthcare portals

• Workplace intranets

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

An alert is sent to the cardholder if a series of knowledge-

based authentication questions are used to authenticate

the account’s user. To take advantage of this service, the

cardholder must enter the accounts they wish to protect on

the dashboard.

URL and Domain Monitoring: IDT identity monitoring services

are enhanced by adding URL and Domain monitoring to the

existing list of monitored items. URL and Domain monitoring

searches for cardholders’ business URL and domain within

corporate data breaches, malicious third-party botnets, and

criminal forums.

For more information regarding the services stated above and

additional information, please visit https://mastercardus.

idprotectiononline.com/.

Charges:

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

Financial Institution.

Services NOT provided:

• When it is determined you have committed any dishonest,

criminal, malicious or fraudulent act.

• When your 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 Mastercard ID Theft

Protection:

This service applies only to you, the named Mastercard

cardholder. You shall use due diligence and do all things

reasonable to avoid or diminish any loss or damage to

property protected by the program. The provider, Generali

Global Assistance, relies on the truth of statement made in

the Adavit or declaration from each cardholder. This service

is provided to eligible Mastercard cardholders at no additional

cost and is in eect for acts occurring while the program is in

eect. The terms and conditions contained in this program

guide may be modied by subsequent endorsements.

Modications to the terms and conditions may be provided

via additional Guide mailings, statement inserts, or statement

messages. Mastercard or 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

Mastercard cardholders, you will be notied within 30–120

days before the expiration of the service agreement. In the

event substantially similar coverage takes eect without

interruption, no such notice is necessary. For general questions

regarding these services, please contact 1-800-Mastercard.

Mastercard Global Service

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 most everywhere

else.

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-Mastercard (1-800-627-8372). 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

Austria .......................................... 0800-070-6138

France ............................................0-800-90-1387

Germany ...................................... 0800-071-3542

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 ................................................. 900-822-756

United Kingdom ............................ 0800-96-4767

For additional information, or for country-specic 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 Benets:

When in the United States, contact your card issuer directly

for account information and 1-800-Mastercard for card

benets. When traveling outside the United States, call

Mastercard Global Service to access your card issuer for

account information or to access any of your card benets.

ATM Locations:

Call 1-877-FINDATM (1-877-346-3286) 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 two million ATMs worldwide. To enable

cash access, be sure you know your Personal Identication

Number (PIN) before you travel.

MasterRental Insurance Coverage

Evidence of Coverage:

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

a vehicle for thirty-one (31) consecutive days or less with

your covered card, you are eligible for benets under this

coverage.

• Refer to Key Terms for the denitions of you, your, we, us, our,

and words that appear in bold and Legal Disclosures.

A. To get coverage:

The rental vehicle must be rented primarily for business

purposes, and you must initiate and then pay for the entire

rental agreement (tax, gasoline, and airport fees are not

considered rental charges) with your covered card and/or the

accumulated points from your covered card at the time the

vehicle is returned. If a rental company promotion/discount

of any kind is initially applied toward payment of the rental

vehicle, at least one (1) full day of rental must be billed to your

covered card.

You must decline the optional collision/damage waiver

(or similar coverage) oered by the rental company when

coverage is secondary.

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

rental agreement.

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

than thirty-one (31) consecutive days. Rental periods that

exceed or are intended to exceed thirty-one consecutive days

are not covered.

B. The kind of coverage you receive:

We will pay for the following on a primary 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 specic eet utilization log.

• Towing charges to the nearest collision repair facility.

• Theft or damage to personal eects in transit in the

rental vehicle or in any building en route during a trip

using the rental vehicle. You must rst le under other

applicable insurance (e.g., home or business), and then

we’ll cover whatever is not covered by your insurance under

our Secondary Personal Eects Insurance. Maximum

coverage per rental period is $1,000 per covered person,

per occurrence. The total benets per rental period cannot

exceed $2,000.

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

cover such things as personal injury or personal liability. 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 Benets:

When MasterRental is provided on a secondary basis and

a covered loss has occurred the order in which benets 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

under the kind of coverage you receive, not covered by the

other insurance.

Note: In certain parts of the United States and Canada

losses to rental vehicles that are covered by your personal

vehicle insurance policy liability section may not be subject

to a deductible, which means that you may not receive any

benets from this program. Contact your insurance provider

for full coverage details pertaining to your personal vehicle

liability insurance policy (or similar coverage).

• If the vehicle is rented primarily for business purposes or

outside the cardholder’s domiciled country, coverage is

considered primary coverage.

D. Who is covered:

The covered card cardholder and those designated in the

rental agreement as authorized drivers. You, your associates,

and immediate family are covered by Secondary Personal

Eects Insurance subject to the limits expressed above.

E. Excluded rental vehicles:

• Vehicles not required to be licensed.

• All full-size vans mounted on truck chassis (including, but not

limited to, Ford EconoVan), cargo vans, campers, o-road

vehicles, and other recreational vehicles.

• Trailers, motorbikes, motorcycles, and any other vehicle

having fewer than four (4) wheels.

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

years old or have not been manufactured for at least ten

(10) years), or limousines.

F. Where you are covered:

Coverage is not available in countries where:

a. This EOC or the group policy is prohibited by that country’s

law; or

b. The terms of the EOC or group policy are in conict with the

laws of that country.

G. Coverage limitations:

We will pay the lesser of the following:

a. Reasonable and customary charges of repair or the actual

repair amount;

b. Wholesale market value less salvage and depreciation;

c. The rental agencies’ purchase invoice less salvage and

depreciation;

d. The contractual liability assumed by you or an authorized

driver of the rental vehicle;

e. The actual cash value.

In addition, coverage is limited to $500 USD 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 oered by the rental agency.

H. What is NOT covered:

• Personal Eects Insurance does not cover animals,

automobile equipment, motorcycles, boats, motors, sporting

equipment, personal computers, household furniture,

contact lenses, hearing aids, articial teeth and limbs,

currency, coins, deeds, bullion, stamps, securities, tickets,

documents, perishables, delays, loss of market, or indirect or

consequential losses or damages of any kind.

• Vehicle keys or rental company 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 that what is

specically covered under rental agreement.

• Any violation of the written terms and conditions of the

rental agreement.

• Any loss that occurs while driving under the inuence 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 police and/

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

considered negligence.

• Mechanical failures caused by wear and tear, gradual

deterioration, or mechanical breakdown.

• Subsequent damages resulting from a failure to protect the

rental vehicle from further damage.

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

vandalism or vehicle collision.

• Any damage that is of an intentional or non-accidental

nature, caused by you or an authorized driver of the rental

vehicle.

• Depreciation, diminishment of value, administrative, storage,

or other fees charged by the vehicle rental company.

• Vehicles with a rental agreement that exceeds or is intended

to exceed a rental period of thirty-one (31) consecutive days

from a rental agency.

• Losses resulting from any kind of illegal activity.

• Damage sustained on any 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); conscation or damage by any

government, public authority, or customs ocial; risks of

contraband; illegal activity or acts.

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

commercial use, or as a public or livery conveyance.

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

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

such tax is required by law.

• Rentals made on a monthly basis.

• Items not installed by the original manufacturer.

• Inherent damage.

• Damage to windshields which is not the result of a collision or

roll-over (damage to a windshield is covered if such damage

is due to road debris or road hazard).

• Leases or mini leases.

• Indirect or direct damages resulting from a covered claim.

• Charges for gasoline or airport fees.

In addition, we shall not be deemed to provide cover and we

shall not be liable to pay any claim or provide any benet

under the group policy to the extent that the provision

of such cover, payment of such claim or provision of such

benet would expose us, our parent company or its ultimate

controlling entity to any sanction, prohibition or restriction

under United Nations resolutions or the trade or economic

sanctions, laws or regulations of the European Union or the

United States of America.

I. How to le a claim:

• Visit www.mycardbenets.com or call 1-800-Mastercard

to open a claim. You must report the claim within sixty (60)

days of the loss or the claim may not be honored.

• You may choose to assign your benets under this insurance

program to the rental agency from which you rented your

vehicle. Please contact us or our designated representative

for further details.

• Submit the following documentation within one hundred and

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

honored:

o Receipt showing the vehicle rental charge.

o Statement showing the vehicle rental charge.

o The rental agreement (front and back).

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

o Copy of the declarations page of any primary vehicle

insurance and other valid insurance or coverage if

applicable.

o 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.

o Police report detailing the theft of personal items.

o Replacement receipt for personal eect items.

o Itemized repair estimate from a factory registered collision

repair facility.

o Copy of the vehicle rental company promotion/discount, if

applicable.

o Copy of the vehicle rental location class specic eet

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

must secure this log from the rental agency.

o Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

Mastercard Travel and Lifestyle Services

As a World Elite Mastercard® or World Elite Debit Mastercard®

cardholder, you have access to Mastercard® Travel & Lifestyle

Services, a suite of benefits, amenities and upgrades,

preferential treatment and premium travel offers from

best-in-class travel companies across hotels, air travel, tours,

cruises, car rental and more*. Get the most from all your

travels whether you are planning a last-minute getaway or

your dream family vacation. As a Mastercard® cardholder, you

have access to a lifestyle manager that will help you plan your

vacation - complimentary, at your convenience, 24 hours a day,

7 days a week. Plus, take advantage of the Mastercard

Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay

Guarantee*** which deliver value and peace of mind.

* Travel & Lifestyle Services are provided by Ten Lifestyle

Group plc. No travel bookings are being made by Mastercard,

nor is Mastercard acting as a travel agency or providing any

travel consultation or advice, in connection with Mastercard

Travel & Lifestyle Services.

** Mastercard Lowest Hotel Rate Guarantee: If you book

a qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’

hotel stay through the Mastercard Travel & Lifestyle Services

program either online or through an authorized program

agent using your Mastercard and then find the same hotel

room type, in the same hotel, for the same dates, the same

number of children and adults, at a lower price online, before

taxes and fees, we’ll refund you the difference. To receive a

refund you must submit a claim as described in the Terms &

Conditions prior to your stay and at least seventy-two (72)

hours before the date of your reservation check-in.

*** Mastercard Hotel Stay Guarantee: The Mastercard Travel &

Lifestyle Services Hotel Stay Guarantee is simple – if you book

your three star or higher hotel stay through the Mastercard

Travel & Lifestyle Services program and you encounter

problems with the hotel, contact Ten Lifestyle Group plc, the

designated travel agent for the Mastercard Travel & Lifestyle

Services program at Toll Free (US) 1-800-336-6420 during

your stay and a Ten lifestyle manager will attempt to make

it right for the remainder of your stay by working directly

with the hotel to try to resolve your issue or will make efforts

to nd you comparable accommodations. Certain terms,

conditions and exclusions apply.

Certain terms, conditions and exclusions apply. Full details are

available at https://travel.mastercard.com/us/en-us/world-

elite/product/terms.

MERCHANT BENEFITS

Mastercard Premium Easy Savings® Program

World Elite Mastercard® and World Elite Debit Mastercard®

offer you a premium experience of the Easy Savings program.

In addition to all of the savings you receive in the Easy Savings

program, the Premium Easy Savings program delivers more

upscale merchant offers, both in the US and when traveling

to other countries where Easy Savings exists. If you receive

automatic rebates from the Easy Savings program in the US,

the same terms and conditions (described below) will apply to

the Premium Easy Savings program.

Mastercard Easy Savings® Program

If you already receive all the automatic rebates in the Program

and/or have already registered in the Program, the terms and

conditions of this tier of the Program are outlined below:

Cardholder Terms & Conditions for Mastercard

Easy Savings

Program - U.S. Small Business and

Mastercard Easy Savings

Program - U.S. Commercial

Mastercard International Incorporated (“Mastercard”) is

providing these Mastercard Easy Savings

Program - Terms

and Conditions (“Terms and Conditions”) with respect to

your U.S. Mastercard small business signature debit, prepaid,

or credit card (each, a “Small Business Card”) and/or U.S.

Mastercard Multi Card card, Mastercard Purchase Card card,

and/or Mastercard Corporate Card (each, a “Commercial

Card”). Upon receipt or armative acceptance of these Terms

and Conditions, you hereby accept the Terms and Conditions

for the applicable Mastercard Easy Savings

Program - U.S.

Small Business and/or the Mastercard Easy Savings

Program

- U.S. Commercial (each, as applicable, the “Program”). You

further accept these Terms and Conditions and ratify this

acceptance by using, receiving or accepting any benet of a

rebate under the Program.

If you do not wish to participate in the Program, please

contact your issuing bank.

These Terms and Conditions set forth the terms applicable

to your use of the Program. The Program provides you with

automatic rebates on eligible purchases from participating

merchants in the United States if you use an eligible, enrolled

Mastercard Small Business Card or Commercial Card. Please

read these Terms and Conditions carefully and keep them for

your records.

In these Terms and Conditions, the words “you” and “your”

mean the person or entity to whom a Card, as dened below,

has been issued and any person or entity that you allow to use

a Card, and the words “we,” “us” and “our” mean Mastercard.

“Program Website” means www.easysavings.com for the

Mastercard Easy Savings® Program - U.S. Small Business or

www.easysavings.com/commercial for the Mastercard Easy

Savings® Program - U.S. Commercial (or such other websites

as Mastercard may establish for the Program).

Participation: For Mastercard Easy Savings® Program - U.S.

Small Business only: If you have been notied by the issuer

that issued your Mastercard Small Business Card that your

Mastercard Small Business Card has been automatically

enrolled in the Program, you may participate in the Program

eective as of the date indicated in the notication from

the issuer. You may also go to www.easysavings.com and

your employees’ card rebates at that site. If you have been

notied by the issuer that issued your Mastercard Commercial

Card that your Mastercard Commercial Card has been

enrolled in the Program, you may participate in the Program

immediately.

The Program is available only to cardholders using eligible,

enrolled Small Business Cards or Commercial Cards, as

applicable, issued by a United States nancial institution

(“Cards”). You must be enrolled in the Program prior to using a

Card at a Merchant, as dened below, or to receive the rebate

benets of the Program.

If you access the Program Website or use the Program,

you also accept the Terms and Conditions as posted on the

Program Website and as posted at:

For Mastercard Easy Savings

Program - U.S. Small Business:

http://www.mastercard.com/easysavings/common/en_US/

termsconditions.html

, as may be amended from time to time.

For Mastercard Easy Savings

Program - U.S. Commercial:

http://www.mastercard.com/easysavings/common/en_

MM/termsconditions.html, as may be amended from time to

time.

If you request a user ID to access rebate information on the

Program Website, Mastercard may need to validate your Card

in order to ensure that you can receive applicable rebates and

as part of this validation an authorization hold of $1 may

appear on your account information. Once the validation is

conrmed, usually within 2-7 days, this authorization hold will

be removed from your account.

Your Data: You agree to the terms of the Program’s privacy

notice as posted at https://www.mastercard.com/us/

business/en/common/privacypolicy.html, as may be

amended from time to time. You acknowledge and agree that

your issuing bank and Mastercard may share and use data

regarding you, your personnel and such Card usage with each

other and with third parties, such as Merchants and service

providers, to operate the Program and for internal operational

purposes, including, but not limited to, sending you and your

personnel emails regarding the Program.

Merchant Oers: Merchants that are participating in the

Program (“Merchant(s)”) may provide oers for rebates on

purchases of goods or services (“Oers”) at participating

Merchant locations for Cards. The amount of any rebate and

other terms and conditions applicable to a rebate will be

determined by the Merchant, and are subject to change at

any time and without notice. Please refer to any disclosures

provided by your issuing bank and the Program Website for

any details on any Oer terms and conditions. Oers may

be redeemed only at participating Merchant locations. See

the Program Website for the latest information on available

Oers. Certain issuers may restrict your access to: (i) or the

ability to make purchases from, certain Merchants; (ii) certain

Oers; or (iii) certain elements of the Program for other

purposes. Please refer to the Oer details provided by your

issuing bank, the Program Website, and/or the Oer details

below for the latest information on available oers.

Oer Acceptance: When you purchase goods or services

using a Card from a participating Merchant, you will receive a

rebate on your purchase, subject to any terms and conditions

of the Oer and provided that the purchase transaction:

(a) originated in the United States, (b) is authorized, settled

and cleared through the Mastercard Global Clearance and

Processing System, and (c) is not a PIN-based transaction.

The rebate will not appear on your receipt at the point of

sale. The form of the rebate may be a credit to your Card

account or the rebate may be in another form, as determined

by the Issuer. If a rebate is credited to your Card account,

please note that it might not appear on the same statement

as the related purchase. There may be a delay of up to one

statement cycle in crediting a rebate. Please note that

rebates will be based on the standard currency related to your

Card.

Reversals: All or a portion of a rebate may be reversed in

certain circumstances, including without limitation, upon a

return, dispute, adjustment, or fraudulent card activity.

Disclaimer of Liability: Mastercard’s role under the Program

is limited to processing information regarding Oers on

behalf of Merchants and the issuing banks. Mastercard is not

responsible for any Oers or rebates, your ability to use Oers

or rebates, the crediting of any rebates to your Card account,

reversals of Oers or rebates, accuracy or completeness of

information about Oers or rebates, or any acts or omissions

of the issuing banks or Merchants. Mastercard provides the

Program on an “AS IS” basis, and Mastercard disclaims any

and all warranties, including without limitation, any warranties

of merchantability or tness for a particular purpose, except

as required by applicable law. Mastercard is not liable to you

for any damages that you suer in connection with your

participation in the Program, unless the damage results

directly from Mastercard’s failure to perform the express

obligations under these Terms and Conditions. Mastercard

and its aliates, its respective directors, ocers, employees,

agents, and successors and assigns, are not responsible, and

shall not be liable for, any direct, indirect, special, incidental,

or consequential damages (including lost prots). Without

limiting the foregoing, Mastercard is not responsible for any

Card account fees or penalties that you incur on your Card,

including fees and penalties that may result from rebate

reversals. Any tax liability resulting from your participation

in the Program shall be your sole responsibility, and not

Mastercard’s responsibility or the responsibility of any

Merchant or the issuing bank. Merchants or the issuing bank

may report information regarding the Program and your

participation in it to tax authorities. Merchants and the issuing

bank may not vary these Terms and Conditions as applied to

the relationship between you and Mastercard and may not

make any commitments that are binding on Mastercard.

Program Information: By registering on the easysavings.

com site, you agree to receive Program information via email

and to advise Mastercard of any change in your email address

by providing updated information via the Program Website.

Please note that Mastercard will use information regarding

purchase transactions initiated with your enrolled Card(s) to

provide you with reports via the Program Website as well as

for other purposes as determined by Mastercard.

Termination: You may terminate your participation in

the Program at any time by notifying your issuing bank.

There may be a delay of up to 30 days in eecting such

termination, and reversals or adjustments of rebates may

continue after termination, as determined in Mastercard’s

discretion. Mastercard or your issuing bank may terminate

your participation in the Program at any time, without notice

unless required by law. Mastercard reserves the right to add

or terminate any participating Merchant or any Oer without

notice. Any terms, which by their nature should survive the

termination of these Terms and Conditions, shall survive.

Change of Terms: Mastercard can add to, delete from, or

change (each, a “change”) the terms of these Terms and

Conditions and/or the Program at any time. Mastercard

will notify you of changes by posting the revised terms and

conditions on the Program Website.

Questions Regarding the Program: You should direct any

questions related to the Program, Oers, any Program

restrictions, or rebates to your issuing bank.

Disputes: Any disputes regarding Oers or rebates, or your

ability to participate or receive them, may be determined

by Mastercard, by your issuing bank, or Merchants. That

resolution will be nal and binding on you.

Additional Terms: Your issuing bank and Merchants may

impose additional terms on your participation in the Program.

These Terms and Conditions are in addition to, and do not

amend or replace, your card agreement with your issuing bank.

Miscellaneous: These Terms and Conditions will be governed

by the laws of New York State, without regard to conict

of law principles. Any dispute arising out of or in connection

with the interpretation or performance of these Terms and

Conditions, that is not settled in accordance with the section

of these Terms and Conditions entitled “Disputes”, shall be

nally settled by the Courts located in the City and State

of New York, which shall have exclusive jurisdiction. YOU

AND MASTERCARD HEREBY WAIVE ANY RIGHT TO A JURY

TRIAL. You may not assign your rights under these Terms and

Conditions. Mastercard may assign its rights and obligations

at any time. The invalidity of any provision of these Terms

and Conditions will not aect the validity of the remaining

portions. Any waiver by Mastercard of its rights under these

Terms and Conditions is binding only if in a writing signed by

Mastercard. The use of your issuing bank and Merchant names

and logos in the Program is by permission only.

Mastercard Easy Savings

Program U.S. Small Business

– Participating Merchants Oer Details: Restrictions,

conditions, and limitations apply. Visit the Merchant detail

pages at www.easysavings.com for more details.

Mastercard Easy Savings

Program for Commercial

– Participating Merchants Oer Details: Restrictions,

conditions, and limitations apply. Visit the Merchant detail

pages at www.easysavings.com/commercial for more

details.

MASTERCARD EASY SAVINGS PROGRAM FOR COMMERCIAL

and the Mastercard brand marks are registered trademarks of

Mastercard International Incorporated. All third-party product

and service names referenced herein are trademarks of their

respective owners.

ShopRunner Program

ShopRunner is an online shipping service that helps its

members save both time and money. ShopRunner members

receive unlimited free two-day shipping and free return

shipping on purchases at more than 140 online stores,

including clothing, shoes, beauty, electronics, home, gifts

and more. Retailers include Neiman Marcus, Lord & Taylor,

American Eagle, Tory Burch, Calvin Klein, Kate Spade,

1-800-Flowers.com and many more.

Eligibility:

To be eligible for a free ShopRunner membership, you must be

a valid World Elite cardholder who holds a Mastercard issued

by a U.S. nancial institution.

How to use the ShopRunner benet:

• Create a ShopRunner account on the www.shoprunner.com/

mastercard website.

• Shop at the participating merchants from the merchant

site, from the links on the ShopRunner site, or from the

ShopRunner mobile app.

• Once you are logged into your account, the free shipping

benet is applied, provided the item is eligible for free

shipping.

• ShopRunner members also enjoy free return shipping on their

orders placed with ShopRunner.

Terms and Conditions:

Full Terms & Conditions are found at www.shoprunner.com/

terms/sr/.

• ShopRunner members are entitled to free two-day shipping

on all eligible purchases as well as free returns.

Shipping:

• Eligible items will ship within 2 business days via shipping

partners like UPS and FedEx. ShopRunner only ships to

physical addresses in the United States, including, in most

cases, Alaska, Hawaii and Puerto Rico, but in some cases,

certain regions cannot be reached in two days. Any shipment

to a PO Box, APO/FPO/DPO or international address is

excluded from the ShopRunner program.

• Items that are eligible for ShopRunner benets will be

designated on the Retailer’s site. ShopRunner is only

available for certain online purchases and certain products

on a Retailer’s site, and ShopRunner may not be available

on all web browsers (e.g., mobile websites, smart phone

mobile or tablet applications). Certain Retailers may require

a minimum aggregate order value in order for an order to be

eligible for ShopRunner benets.

Returns:

• For returns of eligible items, ShopRunner members must

follow the Retailer’s return policies and instructions.

• In the event that a merchant who participates in the

ShopRunner service oers free return shipping, the

cardholder will return the ShopRunner eligible item through

the merchant’s standard process.

• For returns of eligible items purchased via the ShopRunner

service, for which the merchant does not oer free return

shipping, ShopRunner will provide cardholder with a postage

paid return label that can be used to return items back to

the merchant. To obtain your ShopRunner pre-paid return

label simply sign in to the My Account section on www.

shoprunner.com. Next to each ShopRunner eligible order

there is a link to generate a pre-paid return label. Print the

label, ax it to your return packaging and follow the rest of

the Retailer’s return instructions.

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 nancial institution’s phone number should be

available on your monthly billing statement or on the back of

your card.

Reminder: Please refer to the Legal Disclosure section.

Legal Disclosure

This Guide to Benets is not, by itself, a policy or contract of

insurance or other contract.

Benets 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 benets are provided under a group policy

issued by New Hampshire Insurance Company, an AIG

company. This Guide to Benets is a summary of benets

provided to you. The attached Key Terms and EOC is governed

by the Group Policy.

Eective date of benets: Eective October 28, 2019,

this Guide to Benets replaces all prior disclosures, program

descriptions, advertising, and brochures by any party. The

policyholder and the insurer reserve the right to change the

benets and features of these programs at any time. Notice

will be provided for any changes.

Cancellation: The policyholder can cancel these benets at

any time or choose not to renew the insurance coverage for

all cardholders. If the policyholder does cancel these benets,

you will be notied in advance. If the insurance company

terminates, cancels, or chooses not to renew the coverage to

the policyholder, you will be notied as soon as is practicable.

Insurance benets will still apply for any benets you were

eligible for prior to the date of such terminations, cancellation,

or non-renewal, subject to the terms and conditions of

coverage.

Benets to you: These benets apply only to the cardholder

whose cards are issued by U.S. nancial institutions. The

United States is dened as the fty (50) United States and

the District of Columbia. No person or entity other than the

cardholder shall have any legal or equitable right, remedy, or

claim for benets, insurance proceeds and damages under or

arising out of these programs. These benets do not apply if

your card privileges have been cancelled. However, insurance

benets will still apply for any benet 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 benets: No rights or benets provided

under these insurance benets may be assigned without the

prior written consent of the claim administrator for these

benets.

Misrepresentation and Fraud: Benets shall be void if the

cardholder has concealed or misrepresented any material

facts concerning this coverage.

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 benets, the

insurance company is entitled to recover such amounts from

other parties or persons. Any party or cardholder who receives

payment under these benets must transfer to the insurance

company his or her rights to recovery against any other party

or person and must do everything necessary to secure these

rights and must do nothing that would jeopardize them, or

these rights will be recovered from the cardholder.

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 benets 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 Benets 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.

Benets listed in this Guide to Benets are subject to the

conditions, limitations, and exclusions described in each

benet section. Receipt and/or possession of this Guide to

Benets does not guarantee coverage or coverage availability.

This Guide is intended as a summary of services, benets, and

coverages and, in case of a conict between the Guide and

the master insurance policies, or an issuer’s, or the Mastercard

actual oerings, such master policies or actual oering shall

control. Provision of services is subject to availability and

applicable legal restrictions.

To le a claim, call 1-800-Mastercard: 1-800-627-8372,

or en Español: 1-800-633-4466.

Visit our Web site at www.mastercard.com.