Mastercard® Guide to Benefits

Important information. Please read and save.

This Guide to Benets contains detailed information about

insurance and other services you can access as a preferred

cardholder. This Guide supersedes any guide or program

description you may have received earlier.

To 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 World Elite Mastercard® card and

“Cardholder”refers to a World Elite Mastercard® cardholder.

HSBC Premier World Elite Mastercard

Mastercard

Guide

to Benets

for Credit Cardholders

Key Terms

Throughout this document, you and your refer to the

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

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

Account Holder means a person to whom an Eligible Account

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

name.

Administrator means Sedgwick Claims Management

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

questions regarding this coverage or would like to make

a claim. The Administrator may be reached by phone at

1-800-Mastercard.

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

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

prices uctuate 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 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 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.

Burglary means the taking of unattended personal property

owned by you, from your registered hotel or motel room by

forcible entry.

Cardholder means the Account Holder or Authorized User of

an Eligible Account in good standing.

Carry-on luggage means suitcases or other containers

specically designated for carrying personal property, which

are carried on board a common carrier by you.

Checked baggage means suitcases or other containers

specically designated for carrying personal property, for

which a claim check has been issued to you by a common

carrier.

Checked luggage means suitcases or other containers

specically designated for carrying personal property, for

which a claim check has been issued to you by a common

carrier.

Common carrier means an air, land, or water motorized

transportation carrier operating under a regularly published

schedule and current license as required by law for the

conveyance of passengers. Common carrier does not include

helicopters, taxis rental cars, hired cars, and private and

contract carriers.

Covered Card means the Mastercard® card linked to your

Eligible Account.

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.

Delay means baggage (including personal/business articles

and/or eects contained within) that is not delivered to you

within six (6) hours after arrival at your scheduled destination.

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 expense(s) means reasonable and necessary attorney

fees or court costs associated in removing any civil suit

wrongful brought against you as a result of identity fraud or

any suit brought against you by a creditor or collection agency

or other entity for non-payment of goods and/or services as

a result of identity fraud, actual U.S. wages lost due to time

o relating to eorts in resolving your identity fraud issues,

loan applications fees, notarizing adavits or other similar

document cost, long distance telephone cost, and postage

cost you may have incurred as a direct result of identity fraud.

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 the Group Policy. Representations

or promises made by anyone that are not contained in the

Group Policy are not part of your coverage. In the event the

EOC, Key Terms, or Legal Disclosures of this Guide to Benets

conict with the provisions of the Group Policy, the terms of

the Group Policy govern your coverage.

Forcible entry means that access to your hotel or motel room

that has been gained by breaking and entering a locked door,

window, or any other opening.

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.

Identity fraud means the use of your name, address, Social

Security number (SSN), bank, or credit card account number,

or other identifying information without your knowledge to

commit fraud or deception.

Loss means the eligible expenses related to your identity

fraud.

Lost means luggage (including personal property contained

within) that is missing for 10 consecutive days and whose

whereabouts are unknown to you or the common carrier.

Manufacturer suggested retail price (MSRP) means the

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

on the National Automobile Dealers Association website at

www.nada.com or similar source.

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.

Non-auction internet advertisements means advertisements

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

with a valid tax identication 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).

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.

Stolen (Cellular) 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.

Boxed

Program Description:

Boxed is an online, wholesale shopping destination where you

can stock up on groceries, household items, health supplies,

and more in bulk without a membership fee. Place orders

through the app or website and get everything delivered right

to your door. Cardholders receive 5% Cash Rewards on eligible

purchases at Boxed.

Eligibility:

To be eligible for this benet, you must use a valid World Elite

Mastercard issued by a U.S. nancial institution.

How to use the Boxed benet:

Create a Boxed account on the Boxed website or mobile app.

2. Use a valid World Elite Mastercard to place an order and

you will automatically receive 5% Cash Rewards on eligible

products in that order.

Terms and Conditions:

• Full Terms & Conditions for this benet, including the most

up-to-date Terms & Conditions for usage of Wallets (i.e.

Apple Pay, Google Pay) are found at www.boxed.com/

worldelite. For Full Terms & Conditions, please visit www.

boxed.com/terms-conditions/.

• Customers can receive up to $500 in Cash Rewards per year.

• World Elite Mastercard must be used for payment to receive

the oer.

• The 5% Cash Rewards oer excludes taxes and

governmental fees, discounts on account of any applicable

Promotions and/or Promo Codes, the application of any

accrued Cash Rewards, shipping charges, and Express

delivery charges.

• The 5% Cash Rewards oer is not valid on past purchases,

Express orders, Boxed Hotel, gift cards and alcohol products

and other items fullled by third-parties.

• The 5% Cash Rewards oer cannot be used in conjunction

with other Cash Rewards oers from Boxed.

• For any order cancellations, the 5% Cash Rewards earned on

those orders will be deducted from the customer’s account.

• Cash Rewards expire twelve (12) months from the

date earned unless (i) redeemed in accordance with the

redemption rules; or (ii) additional qualied purchases are

made prior to the expiration of the Cash Rewards in your

account, in which case all unexpired Cash Rewards in your

account will be renewed for an additional twelve (12) month

period from the date the qualifying renewal activity occurred.

Fandango

Program Description:

Fandango is the movie destination to buy movie tickets and

stream at home or on the go with FandangoNOW – available

via website, mobile app and supporting devices. Fandango

gives movie fans more with its loyalty program, Fandango

VIP. You can join for free for great perks and get rewarded

for going to the movies. All Fandango VIP members earn 125

Fandango VIP+ points for every ticket they buy. When you rack

up 500 points, you receive a $5 reward towards more movies

at home or in the theater. World Elite Mastercard cardholders

get rewarded even faster and are eligible to earn double the

points for the tickets they buy, 250 points per ticket. This

means that World Elite cardholders are eligible to earn a $5

reward for every 2 movie tickets purchased on Fandango.

Eligibility:

To be eligible for this benet, you must use a valid World Elite

Mastercard issued by a U.S. nancial institution.

How to use the Fandango benet:

1. Visit www.fandango.com or download the Fandango app

from the App Store or Google Play.

2. Create a Fandango VIP account.

3. Search for show times at a movie theater that tickets

through Fandango. For a complete list of participating

theaters, go to this website: https://www.fandango.com/

movie-theaters.

4. When you purchase a movie ticket on Fandango using

your World Elite Mastercard and while logged in to

your Fandango VIP account, you will receive 250 points.

Once you accumulate 500 Fandango VIP+ points, you

will receive a reward worth $5 after you see the movie.

You can use the $5 for your next movie ticket purchase

on Fandango, or to stream movies and TV shows on

FandangoNOW.

Terms and Conditions:

• Full Terms & Conditions for this benet, including the most

up-to-date Terms & Conditions for usage of Wallets (i.e.

Apple Pay, Google Pay) are found at www.fandango.com/

vip+mastercard. For full Fandango Terms & Conditions,

please visit www.fandango.com/Terms-and-Policies.

• Movie tickets must be purchased for a movie with a show

time starting before 11:59 p.m. PT on the last day of the

promotion period.

• When you receive 500 VIP+ Points, you will receive a $5.00

Discount Reward which you will need to convert into a

Discount Promo Code for use on a qualifying purchase on

www.fandango.com or www.fandangonow.com.

• The $5.00 Discount Reward expires 21 days after it is posted

to your Fandango VIP account or 90 days after it is posted to

your Fandango VIP account if your World Elite Mastercard is

saved to your Fandango VIP account.

• The $5.00 Discount Reward cannot be combined with any

other oer, promo code or discount.

• The $5.00 Discount Reward cannot be used to purchase a

gift card.

• After applying your $5.00 Discount Reward, any unused

balance will automatically expire.

• Void where prohibited.

• Additional taxes may be owed on a rental or purchase price

shown for FandangoNOW.

Lyft

Program Description:

Lyft is a rideshare service that matches you with a nearby

driver who’ll take you wherever you’re going. You can use the

Lyft app to order a ride on demand, or schedule a future ride.

You can get $10 in Lyft credit every month when you take 5

rides and pay with your World Elite Mastercard.

Eligibility:

To be eligible for this benet, you must use a valid World Elite

Mastercard issued by a U.S. nancial institution.

How to use the Lyft Benet:

• Download the Lyft app from the App Store, Google Play,

Microsoft or Amazon, or get a download link at www.lyft.

com/app-sms. If you already have the app, make sure you’re

using the latest version.

• Enroll your card for the benet in the Lyft app. You’ll see a

conrmation screen once you’ve successfully enrolled.

• Take 5 Lyft rides within a calendar month, and pay for them

with your World Elite Mastercard. To ensure the rides have

been charged with your World Elite Mastercard and qualify

for the benet, complete the ride in-app by tapping “Submit”

on the Rate + Pay screen.

• Lyft will automatically add $10 in Lyft credit in your account.

Track your progress in the Promos section of the Lyft app.

Terms and Conditions:

• See www.lyft.com/Mastercard-world-elite for full terms,

including the most up-to-date Terms & Conditions for usage

of Wallets (i.e. Apple Pay, Google Pay). Lyft’s Terms of

Service apply. Lyft CUPC ID No. TCP0032513 - P

• Enrollees in the Lyft and World Elite Mastercard benet

will receive a $10 Lyft credit (“Credit”) for taking ve (5)

Lyft rides in a calendar month. Rides must be partially or

fully paid for with a World Elite Mastercard credit card.

Limit one Credit per month per Lyft account. Credit may

take up to 2 days to be applied. Credit expires 30 days after

application.

Postmates

Program Description:

Postmates helps people unlock the best of their cities – and

their lives, with an insanely reliable “everything” network.

Postmates is the rst on-demand company – helping

customers in 650 US cities & Mexico get anything, anytime,

anywhere. World Elite Mastercard cardholders receive $5

discount on all orders over $25.

Eligibility:

To be eligible for this benet, you must use a valid World Elite

Mastercard issued by a U.S. nancial institution.

How to use the Postmates benet:

• Visit http://www.postmates.com or download the

Postmates app from the App Store, Google Play, or simply

enter your phone number to get a download link at http://

www.postmates.com.

• Sign into your Postmates account or create a new account by

signing up via mobile app or at http://www.postmates.com.

• Add a World Elite Mastercard to your account and continue

through the regular purchase ow.

• The $5 discount will be automatically applied for all orders

over $25 (not including taxes, delivery fees, and tips) using a

World Elite Mastercard.

Terms and Conditions:

• Full Terms & Conditions for this benet, including the

most up-to-date Terms & Conditions for usage of Wallets

(i.e. Apple Pay, Google Pay) are found at http://www.

postmates.com/mastercard-world. For full Postmates

Terms & Conditions, please visit https://postmates.com/

legal/terms.

• If your total (excluding taxes, delivery fees and tips) after the

discount from another promo code is greater than $25, you

are still eligible for the $5 discount oer.

ShopRunner

Program Description:

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 Mastercard 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:

o 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.

o 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:

o For returns of eligible items, ShopRunner members must

follow the Retailer’s return policies and instructions.

o 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.

o 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.

onenestay

Program Description:

onenestay provides access to over 10,000 high-end rental

homes around the world. The local guest services team

welcomes you at the home and is available 24/7. Each home

is stocked with high quality sheets, towels and toiletries.

Cardholders receive a 10% discount on all onenestay

bookings. You will also receive free Wi and a complimentary

iPhone, with free local calls and data, to use during your stay.

Eligibility:

To be eligible for the 10% discount, you must be a valid World

Elite Mastercard cardholder who holds a Mastercard issued by

a U.S. nancial institution.

How to use the onenestay benet:

• Go online to www.onenestay.com/mastercard to book

directly using a promo code provided by the issuer, or call

the Mastercard or issuer’s concierge. The concierge can help

provide information on onenestay and can transfer you to

onenestay for further questions or booking.

Terms and Conditions:

Full Terms & Conditions are found at www.onenestay.com/

terms-conditions/.

• World Elite Mastercards must be used for payment to receive

oer.

• Cardholders will be provided with a preliminary invoice at the

time of booking and be required to prepay certain amounts

related to such booking.

• Any additional services which are requested at the time of

the booking may also be included in the preliminary invoice,

which is provided before prepayment, and onenestay

reserves the right to demand payment in advance for any

additional services used during a booking.

• If a cardholder cancels a booking within 24 hours of receipt of

a conrmation of booking, provided they book more than seven

days prior to the stay, then they are entitled to a full refund.

• If they cancel a booking more than 14 days prior to

commencement of the booking period, then they will be

responsible for 50% of the full accommodation fees.

• If they cancel a booking 14 days or less prior to the

commencement of the booking period, then they will be

responsible for the full accommodation fees for the entirety

of the booking period.

• The check-out time at the accommodation is as stated in the

booking summary.

Mastercard ID Theft Protection™

Program Description:

Mastercard ID Theft Protection (IDT) provides you with

access to a number of Identity Theft resolution services,

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

product oering will alert you about possible identity theft

by monitoring the surface, dark and deep web, searching for

compromised credentials and potentially damaging use of

your registered personal information in order to detect fraud

at its inception.

Eligibility:

All Mastercard consumer credit cardholders in the US are

eligible for this coverage.

Access:

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

been a victim of Identity Theft.

Services Provided:

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

order to receive the following services you must enroll at: https://

mastercardus.idprotectiononline.com/. The services include:

Online Monitoring Dashboard (requires activation): The

online monitoring dashboard is the primary user interface

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

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 monitoring

alerts.

Monthly Risk Alert / Newsletter: Cardholders will receive

a monthly newsletter with information on the cardholder’s

risk score, and articles pertaining to good identity protection

practices.

Identity Monitoring: IDT searches the internet to detect

compromised credentials and potentially damaging use of

your personal information, and alerts you via email so that you

can take immediate action. This platform utilizes automated

monitoring and human threat intelligence from cyber

operations agents monitoring threat actors and their tactics

on the deep and dark web where personal data is bought and

sold. Data elements that can be monitored are:

• Email addresses

• Debit/credit cards/prepaid cards

• Bank accounts

• Web logins; username and password

• Medical insurance cards

• Drivers’ license

• Loyalty cards

• Anity cards

• Passport number

• Vehicle insurance cards

• Social Security number

To take advantage of this service, the cardholder must

enter the personal information they wish to monitor on the

dashboard.

Resolution Services: You will have access to a team of identity

theft resolution specialists, available 24 hours a day, 365

days a year to help resolve your identity theft incident and

prevent further damage. The resolution specialists are native

speakers of English, French and Spanish, and are based out of

Bethesda, Maryland. Cardholders are given the option to sign

limited power of attorney (LPOA) to the specialist, to allow

them to conduct resolution activities on the cardholders’

behalf, including contacting police, credit agencies, and other

authorities, translating information, and closing and replacing

breached accounts.

Lost Wallet Assistance: Cardholders will be provided

assistance with notifying the appropriate issuing authorities to

cancel and replace stolen or missing items, such as their debit/

credit cards, driver’s license, Social Security card, and passport.

Single Bureau Credit Monitoring: Cardholders’ TransUnion

credit 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.

To take advantage of this service, the cardholder must enter

their Social Security number on the dashboard and pass credit

authentication.

Financial Account Takeover: IDT monitors cardholder’s high-

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

companies to uncover and thwart account takeover attempts.

Monitored transactions include:

• Debit/credit cards/prepaid cards

• Bank accounts

• Brokerage accounts

• Healthcare portals

• Workplace intranets

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

To take advantage of this service, the cardholder must enter

the accounts they wish to protect on the dashboard.

URL and Domain Monitoring: URL and Domain monitoring

allows Cardholder to enter up to 10 domain or URL names

related to cardholders’ business. This service will monitor

the domain and URL names for any compromised email

addresses associated with the domain or URL names and if

compromised email addresses are found in a data breach,

this service will alert the registered cardholder via email and

provide information regarding the specic email address that

was breached along with information about the date found

and source (provided that this information is available).

For more information regarding the services stated above and

additional information, please visit https://mastercardus.

idprotectiononline.com/.

Charges:

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

nancial 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.

Cellular Wireless Telephone Protection

Key Terms

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

throughout this benet.

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 Covered Card 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 for World Elite Mastercard, and $1,000 per Covered

Card per 12-month period. Each claim is subject to a $50

deductible. Coverage is limited to two (2) claims per Covered

Card 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 purchased for resale or

for professional or commercial use;

• 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; and

• 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; and

• Any other documentation or information reasonably

requested by us to support the claim.

Please see the ‘Legal Disclosure’ section for all

disclosures for this benet.

Mastercard Travel & Lifestyle Services

As a World Elite Mastercard® cardholder, you have access to

Mastercard® Travel & Lifestyle Services, a suite of benets, amenities

and upgrades, preferential treatment and premium travel oers

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

tours, cruises, car rentals 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 nd 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

dierence. 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 eorts to nd you

comparable accommodations.

Certain terms, conditions and exclusions apply. Full details are

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

elite/product/terms.

Concierge Service

World Elite Mastercard® oers you the Mastercard Concierge

Service. Imagine your own Personal Assistant 24 x 7 x 365,

where knowledgeable experts can assist with whatever you

need, whenever you need it. This takes “Concierge Service” to

the next level with robust, personalized features that will save

you time and simplify your day, such as:

• Personal Prole to track preferences for travel, hotels, dining,

entertainment, special occasions – and even food allergies.

• Local experts who can provide on-site assistance with

everyday household needs – like being there when the new

appliance is delivered, because you can’t be.

• Access to unique dining and entertainment venues to turn a

special occasion into a memorable experience.

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

aord to miss.

• Pre-trip planning services, providing you with critical

information in advance of your trip including: 10-day

weather forecast, travel requirements, city-specic news and

conditions, safety and security advisory, suggested packing

lists, pre-arranged conrmations for dining and other services,

top must-see attractions, tness facilities, jogging paths and

recreation within close proximity of your hotel, etc.

Let the Mastercard Concierge assist you today, so you can

have your day back! Our experts look forward to assisting you

at 1-800-Mastercard.

Costs of any goods or services provided by the concierge will

be billed to your World Elite Mastercard.

Mastercard Global Service

Mastercard Global Service™ provides worldwide, 24-hour

assistance with Lost and Stolen Card Reporting, Emergency

Card Replacement, and Emergency Cash Advance.

Call Mastercard Global Service immediately to report your card lost

or stolen and to cancel the account. If you need to make purchases

or arrange for a cash advance, with your issuer’s approval, you can

receive a temporary card the next day in the United States, and

within two business days almost everywhere else.

Remember, if you report your card lost or stolen, you will not be

responsible for any unauthorized transactions on your account.

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

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

Canada, call 1-800-307-7309.

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

easily reach a specially trained Mastercard Global Service

Representative who can help you 24 hours a day, 365 days

a year, in any language. You can call toll-free from over 80

countries worldwide. Some of the key toll-free Mastercard

Global Service telephone numbers are:

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

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

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

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

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

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

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

For additional information, or for country-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 U.S., 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.

Mastercard Airport Experiences

provided by LoungeKey

Description

Mastercard Airport Experiences provided by LoungeKey is

provided to all U.S. Mastercard World Elite™ cardholders.

Cardholders can use their payment card, and supporting

Mastercard Airport Experiences provided by LoungeKey website

and Smartphone App, to access a variety of benets in a

seamless way, as follows:

• Eligible cardholders will have lounge membership with two

(2) complimentary lounge visits provided by your issuer.

Subsequent visits are only $32 per visit, per person.

• Membership to 1000+ LoungeKey lounges in 120+ countries

and in over 400 airports regardless of airline, frequent yer

membership or class of ticket.

• Unique experiences and oers in dining, shopping and spa

outlets within the airport via website or app.

Mastercard Airport Experiences provided by LoungeKey

ensures auent cardholders have the opportunity to relax,

refresh and enhance their airport experience as they wait for

their ight.

Details

Who Is Eligible:

U.S. Mastercard World Elite™ cardholders.

How Mastercard Airport Experiences Work:

1. Before traveling, cardholders can log on to the Mastercard

Airport Experiences provided by LoungeKey website airport.

mastercard.com or access the Smartphone App (search for

“Mastercard Airport Experiences” in the app store) and view

a list of participating lounges and experiences.

2. Eligible cardholders present their Bank issued Mastercard or

their Lounge Access QR Code found in the Mastercard Airport

Experiences provided by LoungeKey Smartphone App to

gain admission for themselves; guests are permitted at the

discretion of each lounge. After the two (2) complimentary

lounge visits provided by your issuer have been depleted,

cardholders will be charged $32 per person, per visit for each

of their and their guests’ visits to a participating lounge.

3. Cardholders will enjoy complimentary refreshments,

newspapers, and television. In addition, there is access

to business facilities including phone, fax, conference and

Internet facilities (where available).

4. Download the Mastercard Airport Experiences provided

by LoungeKey App and create an online prole to take

advantage of the airside dining, retail and spa benets.

5. To gain access to the lounges, a cardholder only needs to

quote “LoungeKey” or “Mastercard Airport Experiences”

at the participating lounge. Then the cardholder simply

presents their eligible Mastercard card to the lounge

operator or present their Lounge Access QR Code found in

the Mastercard Airport Experiences Smartphone App.

6. A list of participating lounges and experiences can be found

and viewed using the Mastercard Airport Experiences

provided by LoungeKey website or can be obtained via

the Smartphone App (search for “Mastercard Airport

Experiences” in the app store).

7. Please note that to use the Lounge Access QR Code from

the Smartphone App or to access airside dining, retail and

spa benets, cardholders will need to create an online

prole (Username and Password).

8. For dining experiences, spa and retail oers, cardholders

need to access the Mastercard Airport Experiences provided

by LoungeKey website or Smartphone App to select an oer

and create a QR code to provide upon arrival.

• FAQs can be viewed online at: airport.mastercard.com/faq

Identity Fraud Expense Reimbursement

Evidence of 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. The kind of coverage you receive:

We will reimburse you for losses you incur as a result of

identity fraud.

Coverage is secondary to any other applicable insurance or

coverage available to you. Coverage is limited to only those

amounts not covered by any other insurance or coverage

benet.

B. Coverage limitations:

Coverage is limited to eligible expenses, up to $1,000 per

claim, as a result of identity fraud.

C. Where you’re covered:

Coverage applies only to losses arising out of an identity

fraud occurring within any of the fty (50) United States of

America, Canada, the District of Columbia, American Samoa,

Puerto Rico, Guam, and the U.S. Virgin Islands.

D. What is NOT covered:

• An act of fraud, deceit, collusion, dishonesty or criminal act

by you or any person acting in concert with you, or by any

authorized representative of you, whether acting alone or in

collusion with you or others.

• Damages or losses arising out of any business pursuits, loss

of prots, business interruption, loss of business information,

or other pecuniary loss.

• Damages or losses arising from the theft or unauthorized or

illegal use of your business name, d/b/a/ or any other method

of identifying your business activity.

• Any lost wages due to sickness or emotional breakdown;

• Damages or losses of any type for which the nancial

institution is legally liable.

• Damages or losses of any type resulting from fraudulent

charges or withdrawal of cash from a debit or credit card.

• Damages or loss of any type resulting from fraudulent

withdrawals from nancial accounts;

• Indirect or direct damages or losses of any nature.

• Any incident involving a loss or potential loss not notied to

the relevant police authority within seventy-two (72) hours

from the date you had knowledge of the loss.

• Any costs due to delay in providing services, or damages

resulting from any delay in services.

• Losses that were incurred or commenced prior to this

coverage being provided to you.

• Fees or costs associated with the use of any investigative

agencies or private investigators.

• Any loss that is not a direct result of identity fraud.

• Theft or damages of traveler’s checks, tickets of any kind,

negotiable instruments, cash or its equivalent, passports, or

any documents.

• Authorized charges that you have disputed based on the

quality of goods or services.

• Authorized account transactions or trades that you have

disputed, or are disputing, based on the execution (or non-

execution) of electronic transfers, trades or other verbal or

written instructions or directions.

E. What to do if you’re a victim of identity fraud:

• Call 1-800-Mastercard upon discovery of identity fraud to

report the incident.

• Contact all major credit bureaus (Experian, Equifax,

TransUnion, etc.) immediately after discovery of identity

fraud to place a fraud alert on your credit report;

• File a police report in your local jurisdiction;

• File a complaint with the Federal Trade Commission (FTC).

You may be requested to le a report with other agencies as

necessary;

• Follow all procedures for recovery and reasonable requests

for information and assistance at all institutions aected;

• Maintain a copy of all receipts, bills or other records

that support your claim for an Identity Fraud Expense

Reimbursement payment. These records shall be kept in such

manner that can accurately determine the amount of any loss.

• Take any other reasonable steps available to protect your

identity from any further fraudulent use.

F. How to le a claim:

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

to initiate a claim. You must inform us or our administrator

of an identity fraud case no later than sixty (60) from the

date of discovery.

• Submit the following documentation within one hundred and

eighty (180) days after close of your identify fraud case or

the claim may not be honored.

o Proof that a fraud alert was placed with each major credit

bureaus (Experian, Equifax, TransUnion, etc.) immediately

after discovery of identity fraud;

o Copy of a police report from your local jurisdiction;

o Copy of results of any settlement or denial from credit

card companies, banks, creditors, collection agencies, etc.

concerning your identity fraud claim.

o Copy of the complaint led with the Federal Trade

Commission (FTC).

o Copy of all receipts, bills or other records that support

your claim for an Identity Fraud Expense Reimbursement

payment.

• Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Note: Identity Fraud Expense Reimbursement is not available

to residents of the state of New York.

Price Protection – 60 Day Coverage

Evidence of 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:

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 dierence 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

benets 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 benets (including, but not limited to,

refunds, exchanges, and store credits).

C. Coverage limitations:

Coverage is limited to the dierence 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 nal 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 oerings, bonuses,

free items/giveaways, manufacturer’s coupons, or special

nancing.

• 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, xtures, structures,

or home improvement.

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

sh, birds, reptiles, or mammals).

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

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

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

• Dierences in price due to sales tax, storage, shipping,

handling, postage, transportation, and delivery.

• Dierences in price due to foreign exchange rates or

uctuation in foreign exchange rates.

E. How to le a claim:

For a Printed Advertisement:

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

to initiate a claim. 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:

o 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.

o Receipt showing the item(s) was purchased.

o Statement showing item(s) purchased and use of

accumulated point.

o 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 or go to www.mycardbenets.com

to initiate a claim. 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:

o 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.

o Receipt showing the item(s) was purchased.

o Statement showing item(s) purchased.

o Itemized purchase receipt(s).

• Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Extended Warranty – Two Year Benet

Evidence of 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:

• You must purchase the new item entirely with your covered

card and/or accumulated points from your covered card for

yourself or to give as a gift.

• The item must have an original manufacturer’s (or U.S. store

brand) warranty of twenty-four (24) months or less.

B. The kind of coverage you receive:

• Extended Warranty doubles the original manufacturer

warranty up to a maximum of twenty-four (24) months on

most items you purchase. For products with multiple warranty

components, each warranty time period will be extended up

to a maximum of twenty-four (24) months. An example of

a product with multiple warranty components includes an

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

warranties that dier for parts, labor, compressor, etc.

• If you purchase a service contract or an optional extended

warranty of twenty-four (24) months or less on your item, we

will cover up to an additional twenty-four (24) 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

twenty-four (24) months, this coverage does not apply.

• If you do not have an additional service contract or an

optional extended warranty, this Extended Warranty benet

commences the day after your original manufacturer’s (or

U.S. store brand) warranty expires.

C. Coverage limitations:

• The maximum benet for repair or replacement shall not

exceed the actual amount charged on your covered card or

$10,000, whichever is less.

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

warranty or the service contract covers more than twenty-

four (24) months, this benet 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, xtures, 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, lm 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, ood, 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 veried failure.

• Loss resulting from 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.

• 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 le a claim:

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

to initiate a claim. 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:

o Receipt showing covered item(s).

o Statement showing covered item(s).

o Itemized purchase receipt(s).

o Original manufacturer’s (or U.S. store brand) warranty.

o Service contract or optional extended warranty, if

applicable.

o 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.

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

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:

• 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 benet.

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 specic item

stolen or damaged. If the specic 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 ne 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 veried 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, xtures, 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); conscation or damage by any

government, public authority, or customs ocial; 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, ood, hurricane, lightning, and earthquake).

• Losses caused by liquids, uids, oils, chemicals, or bodily

uids/excretions.

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

sh, 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 veried 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.

E. How to le a claim:

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

to initiate a claim. 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:

o Repair estimate for damaged item(s).

o Photograph clearly showing damage, if applicable.

o Receipt showing purchase of covered item(s).

o Statement showing purchase of covered item(s).

o Report from police listing any items stolen.

o 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.

Baggage Delay

Evidence of 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:

You must pay the entire cost of the common carrier ticket(s)

with your covered card and/or accumulated points from your

covered card.

B. The kind of coverage you receive:

• Reimbursement for the actual cost of replacing, on an

emergency basis, any personal articles (e.g., clothing, hygiene

and/or grooming products) or business eects (e.g., uniforms

or general oce supplies) contained in your checked baggage,

if the checked baggage is delayed in getting to you at your

scheduled destination.

• Coverage begins when the baggage is checked in with the

common carrier by you. This includes curbside check-in with

facility-designated personnel.

• Coverage ends when you regain possession of your checked

baggage from the common carrier. This includes curbside

checkout with facility-designated personnel.

• Coverage is secondary to any other applicable insurance

or coverage available to you including benets provided by

the common carrier (including, but not limited to, goodwill

payments, refunds, credit/vouchers). Coverage is limited

to only those amounts not covered by any other insurance

or coverage or common carrier benets (including, but not

limited to, goodwill payments, refunds, credit/vouchers).

C. Coverage limitations:

Coverage is limited to the actual cost, up to $250 per claim,

of replacing, on an emergency basis, any personal articles or

business eects contained in your checked baggage. There is a

maximum of two (2) claim(s) per twelve (12) month period.

D. What is NOT covered:

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

• Art objects, antique items, collectibles of any kind (such as

items designed for people to collect or items that over time

become collectibles).

• All types of stored data or music (including, but not limited

to, computer software, DVDs, video cassettes, CDs, audio

cassettes, and lm).

• Keys, travelers’ checks, visas, documents of any kind, tickets

of any kind (e.g. airlines, sporting events, concerts, or lottery),

negotiable instruments, bullion, rare, or precious metals,

stamps, and coins, currency or its equivalent.

• Property shipped as freight (including, but not limited, to

automobiles and their equipment, motorcycles, gasoline or

oils, and electrical free-standing motors.

• Computers, printers, or any computer related equipment.

• Rugs, cameras, radios, CD or DVD player, sporting

equipment, cellular phones, or household furniture.

• Losses resulting from war or hostilities of any kind (including,

but not limited to, invasion, terrorism, rebellion, insurrection,

riot, or civil commotion); conscation, expropriation or

detention by any government, public authority, or customs

ocial; illegal activity or acts.

• Losses resulting from contamination by radioactive or

hazardous substances, including mold.

• Items specically identied or described in and/or insured

under any other insurance or indemnity policy.

• Indirect or direct damages resulting from a loss.

• Any items not contained in your checked baggage.

E. How to le a claim:

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

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

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

• Report the baggage delay to the common carrier within

twenty-four (24) hours.

• Submit the following documentation within one hundred and

eighty (180) days of the date of incident or the claim may

not be honored:

o Receipt showing the purchase of travel tickets.

o Statement showing the purchase of travel tickets.

o Covered card travel point program statement showing the

common carrier ticket was paid for with redeemed points,

if applicable.

o Copy of the delayed checked baggage report or property

irregularity report that was submitted to the common

carrier prior to leaving the terminal premises.

o The result of any settlement by the common carrier.

o Receipts for the covered purchases.

• Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Boingo Wi-Fi

Eligibility:

Boingo Wi-Fi is being provided at no additional cost to eligible

cardholders. Eligible cardholders will need to register by

creating a Boingo account. Under selective circumstances, the

Boingo Wi-Fi for Mastercard benet may be made available

to certain eligible non-Mastercard cardholders of Mastercard

card issuers.

The Wi-Fi network service is provided by Boingo:

By subscribing for this benet, you acknowledge that

Mastercard is neither responsible for nor guarantees the

quality, security, coverage or availability of Boingo’s network

of Wi-Fi hotspots or partners, and you agree that use of the

Boingo Wi-Fi network is at your own risk.

Use of the Wi-Fi services is governed by Boingo’s terms:

Your use of Boingo’s Wi-Fi services is subject to Boingo’s

customer agreement, end user license agreement and other

applicable legal terms and conditions, including Boingo’s terms

of use, privacy and security policies available at www.boingo.

com. You will be given the opportunity to review Boingo’s

customer agreement, end user license agreement and other

applicable legal terms and conditions before you enroll for a

Boingo Wi-Fi for Mastercard Cardholders plan.

Limit of 4 Devices:

Eligible cardholders will be permitted to connect up to 4

devices at any time to the Wi-Fi network maintained by

Boingo and its partners.

Changes to Boingo’s Services & Hotspots:

Available hotspots in Boingo’s network are subject to change

at any time. Visit http://wi.boingo.com for a current listing

of hotspots.

Enrollment:

In order to access any Boingo Wi-Fi hotspot for free through

the Boingo Wi-Fi Benet Plan, eligible cardholders will need

to rst enroll in the program benet through Boingo and

create a new account with Boingo. Enrollment in the Boingo

Wi-Fi for Mastercard Cardholders plan is limited to eligible

cardholders only. Enrollment may not be available for up to

48 hours for cardholders that received a newly issued card

or that have recently had the Boingo Wi-Fi benet added to

their card account. If after 48 hours, you are still unable to

enroll, please contact your card issuer.

Do you have an existing Boingo plan?

If you have an existing paid Boingo subscription plan, your

existing plan will not be automatically cancelled when you enroll

in the Boingo’s Mastercard Wi-Fi Benet Plan. If you would

like to cancel your existing paid subscription plan, call Boingo’s

dedicated Mastercard Wi-Fi benet line at +1 310-893-0177.

For local phone numbers or additional contact methods.

visit https://mastercard.boingo.com/contact-us.

Termination and Cancellation:

This benet is non-transferable and may be terminated for

breach of any terms or conditions, as well as for abuse of your

Boingo Wi-Fi account. This benet is subject to change or

cancellation without notice.

Hotel/Motel Burglary

Evidence of 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:

You must pay the entire cost of the hotel or motel room with

your covered card and/or accumulated points from your

covered card.

B. The kind of coverage you receive:

• Reimbursement for the cost of replacing or repairing your

item(s) that have been stolen or damaged resulting from a

burglary by forcible entry into your hotel or motel room.

• Coverage begins when you check into (i.e., occupy the room)

the hotel or motel.

• Coverage ends when you check out (i.e. vacate the room and

close out the bill) from the hotel or motel. Coverage will not

extend beyond the hotel or motel standard check out time.

• Coverage is secondary to any other applicable insurance or

coverage available to you including benets provided by the

hotel/motel company (including, but not limited, to goodwill

payments, refunds, credit/vouchers). Coverage is limited to

only those amounts not covered by any other insurance or

coverage, or hotel/motel company benets (including, but not

limited to, goodwill payments, refunds, credit/vouchers).

C. Coverage limitations:

Coverage is limited to the actual cost up to $1,500 per

claim to replace or repair your personal property that has

been stolen or damaged as a result of a burglary. There is a

maximum of two (2) claim(s) per twelve (12) month period.

D. Where you are covered:

Coverage applies worldwide.

E. What is NOT covered:

• Loss resulting from war or hostilities of any kind (including,

but not limited to, invasion, terrorism, rebellion, insurrection,

riot, or civil commotion); conscation, expropriation or

detention by any government, public authority, or customs

ocial; illegal activity or acts.

• Loss resulting from any dishonest, fraudulent, or criminal act

committed or arranged by you.

• Loss resulting from contamination by radioactive or

hazardous substances, including mold.

• Personal property contained in the hotel or motel safety

deposit box.

• Electronic equipment (including but not limited to, laptops,

PDAs, video/lm cameras, or hearing aids) or sporting

equipment.

• Eyeglasses, contact lenses, prosthetic devices, dentures,

silverware, furs, household furniture, or documents (including,

but not limited to, visas and IDs).

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

• 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.

• 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.

F. How to le a claim:

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

to initiate a claim. 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 date of incident or the claim may

not be honored:

o Receipt showing hotel/motel charges.

o Statement showing hotel/motel charges.

o Covered card travel point program statement showing the

hotel or motel room was paid for with redeemed points.

o Police report from the police and hotel/motel listing the

items that were stolen.

o Result of any settlement or denial by the hotel or motel.

o Copy of initial claim report submitted to the hotel or motel.

o Proof of ownership of each item stolen (i.e. original

receipts, pictures, etc.).

• Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Lost or Damaged Luggage

Evidence of 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:

You must pay the entire cost of the common carrier ticket(s)

with your covered card and/or accumulated points from your

covered card.

B. The kind of coverage you receive:

• Reimbursement for the actual cost of repairing or replacing

your checked or carry-on luggage and personal property

contained therein that is lost or damaged.

• Coverage begins when the luggage is checked in or carried on

to the common carrier by you. This includes curbside check in

with facility-designated personnel.

• Coverage ends each time you regain possession of the

checked luggage from, or carry the luggage o of the

common carrier or twenty-four (24) hours after you depart

from the common carrier, whichever comes rst.

• Coverage is secondary to any other applicable insurance

or coverage available to you including benefits provided by

the common carrier (including, but not limited to, goodwill

payments, refunds, credit/vouchers). Coverage is limited

to only those amounts not covered by any other insurance

or coverage, or common carrier benefits (including,

but not limited to, goodwill payments, refunds, credit/

vouchers).

C. Coverage limitations:

Coverage is limited to the actual cost, up to $1,500 per

incident of repairing or replacing your checked and/or carry-on

luggage and any personal property contained within. There is a

maximum of two (2) claim(s) per twelve (12) month period.

D. Where you are covered:

Coverage applies worldwide.

E. What is NOT covered:

• Loss or damage of luggage or personal property for regularly

scheduled short-distance travel under one hundred (100)

miles.

• Loss or damage resulting from any dishonest, fraudulent, or

criminal act committed or arranged by you.

• Loss resulting from war or hostilities of any kind (including, but

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

civil commotion); conscation, expropriation or detention by any

government, public authority, or customs ocial; illegal activity

or acts.

• Loss resulting from contamination by radioactive or

hazardous substances, including mold.

• Sporting equipment or musical instruments, unless checked

in as luggage with the common carrier and for which a claim

check has been issued.

• Electronic equipment (including, but not limited to, laptops,

PDAs, video/lm cameras, or hearing aids).

• Eyeglasses, contact lenses, prosthetic devices, dentures,

silverware, furs, household furniture, or documents (including,

but not limited to, visas and IDs).

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

• 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.

• 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.

• Defective material or workmanship, ordinary wear and tear

or normal deterioration.

• Loss or damage not reported within the time period

required, as stipulated in the claim procedure.

• Loss or damage where the common carrier completely

denies a claim for checked and/or carry-on luggage.

• Items excluded under the common carrier’s coverage (except

carry-on luggage).

• Loss or damage where the common carrier pays the claim in

full or repairs the damage.

• Interest or conversion fees that are charged to your covered

card by the nancial institution.

F. How to le a claim:

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

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

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

• Report within twenty-four (24) hours any loss or damage to

the common carrier.

• Submit the following documentation within one hundred and

eighty (180) days of the date of incident or the claim may

not be honored:

o Receipt showing the purchase of common carrier tickets.

o Statement showing the purchase of common carrier

tickets.

o Copy of initial claim report submitted to the common

carrier.

o Covered card travel point program statement showing the

common carrier ticket was paid for with redeemed points.

o Report from police, if applicable.

o The result of any settlement by the common carrier.

o Receipts showing that your luggage or personal property

has actually been repaired or replaced.

• Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

MasterRental™ Coverage – 31 Day 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:

You must initiate and then pay for the entire rental agreement

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

charges) with your covered card and/or the accumulated points

from your covered card at the time the vehicle is returned. If

a rental company promotion/discount of any kind is initially

applied toward payment of the rental vehicle, at least one (1)

full day of rental must be billed to your covered card.

You must decline the optional collision/damage waiver (or

similar coverage) oered by the rental company.

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

rental agreement.

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

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

exceed or are intended to exceed thirty one (31) consecutive

days are not covered.

The rented vehicle must have a MSRP that does not exceed

$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 specic eet 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 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 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

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 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, o-road vehicles, and other recreational vehicles.

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

can be converted to an open, at 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.

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 conict 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 oered 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 specically

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 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 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 thirty one (31) consecutive days

from a rental agency.

• Losses resulting from any kind of illegal activity.

• Damage sustained on any surface, other than a bound

surface such as concrete or tarmac.

• Damage sustained on any road not regularly maintained by a

municipal, state, or federal entity.

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

but not limited to, invasion, terrorism, rebellion, insurrection,

riot, or civil commotion); 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.

I. How to le a claim:

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

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

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

• You may choose to assign your benets 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:

o Receipt showing the vehicle rental.

o Statement showing the vehicle rental.

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.

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 Itemized repair estimate from a factory authorized 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.

• Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Priceless Cities

Priceless Cities is Mastercard’s experiential lifestyle platform,

oering cardholders exclusive access to more than 2,000 priceless

experiences around the globe. This industry-leading program unlocks

a world of privileged access to the people and places that mean the

most to you, along with unique experiences tailored to your biggest

passions. Choose from experiences in entertainment, culture, sports,

dining, shopping, and more—all curated by local experts to create

once-in-a-lifetime moments you can enjoy at home or abroad. Savor

a chef’s menu at the hottest restaurant in town. Cheer on your team

from Mastercard Best Seats in the House. Chat with your favorite

celebrity during a backstage meet-and-greet. Hit the waves with

a pro surfer. With a strong presence in New York, Boston, Miami,

Chicago, Las Vegas, Los Angeles, and Hawaii, as well as 40 major

destinations worldwide, cardholders are never far from a chance

to start something priceless. Constantly updated with the latest

seasonal happenings and fresh new ways to experience the classics,

Priceless Cities is available in 89 countries in 16 languages.

Eligibility

The Priceless Cities platform is available to all Mastercard

cardholders who register with Priceless.com.

How to use the Priceless Cities benet

• Visit Priceless.com and browse priceless experiences by

interest, activity, occasion, or location, then use your

Mastercard to make it yours.

• Sign up for Priceless Cities email updates to learn about the

latest experiences in your key passion points.

• Take advantage of experiences in your home city, or in Priceless

Cities around the world.

Priceless Golf

Fuel your passion for golf by visiting priceless.com/golf – your one-

stop destination for all Mastercard cardholder golf benets. Play

golf at the TPC course of your dreams. Enjoy discounts on public

tee times without booking fees. Choose from a variety of golf

travel packages at iconic destinations. And so much more!

Eligibility

Mastercard golf benets are available to all Mastercard

cardholders.

How to use the Priceless Golf benet

• Visit Priceless.com/golf and browse your benets, then buy

with Mastercard to make it yours.

• Sign up for Priceless Golf email updates to learn about the

latest golf experiences available to you.

Mastercard Airport Concierge™

Your passport to the ner side of air travel.

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

Arrange for a personal, dedicated Meet and Greet agent to

escort you through the airport on departure, arrival or any

connecting ights at over 700 destinations worldwide 24

hours a day, 7 days a week, 365 days a year. There are also

certain airports where you can be expedited through the

security and/or the immigration process. To reserve Mastercard

Airport Concierge services visit www.mastercard.com/

airportconcierge or consult your Travel Advisor.

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 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.

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

or en Español: 1-800-633-4466.

Visit our website at www.mastercard.com.

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