World EliteTM Mastercard®

Important information. Please read and save.

This Guide supersedes any guide or program description

You may have received earlier. This Guide to Beneﬁts contains

detailed information about beneﬁts available to You as a World

Elite Mastercard cardholder. All beneﬁts may not be listed in this

Guide to Beneﬁts. For more information about all the beneﬁts

available to you, visit the Rewards and Beneﬁts section of the

customer website at BarclaysUS.com.

World Elite

Mastercard

Cardholder

Guide to Benefits

BAR-8170-9

Mastercard Guide to Beneﬁts

Beneﬁts that are always with You

Welcome to your new guide to

beneﬁts. Please read carefully, each

beneﬁt description provides you with

the details on what coverage you have

and any exclusions and restrictions.

This Guide includes important details about

the beneﬁts that come with your card at no

additional cost. Review this Guide and keep it

in a safe place so you know how to make the

most of your beneﬁts when you need them.

The beneﬁts, as described in this Guide, apply

to covered purchases made with your Barclays

World Mastercard on or after the effective

date, and this Guide then replaces any Summary

or other program description you may have

received earlier.

From time to time beneﬁts may be modiﬁed,

updated or removed. All beneﬁts may not be listed

in this Guide to Beneﬁts. Please go to the Rewards

and Beneﬁts section of the customer website at

BarclaysUS.com for more information about all the

beneﬁts available to you and to view your current

Guide to Beneﬁts.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Mastercard ID Theft Protection

Mastercard Global Service 5

Concierge Service 6

Travel Assistance Services 7

Trip Cancellation & Trip Interruption

Insurance

Travel Accident and Baggage Delay 16

MasterRental Coverage 20

Mastercard Travel & Lifestyle Services 27

Account and Billing Information 28

| TABLE OF CONTENTS

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

MASTERCARD ID THEFT PROTECTION™

Program Description:

Mastercard ID Theft Protection alerts you to possible identity

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

compromised credentials and potentially damaging use of your

registered personal information. It also provides you with resolution

services should you ﬁnd yourself a victim of identity theft.

Eligibility:

All Mastercard consumer credit cardholders in the US are eligible

for this coverage. Enrollment is required.

Service Provider: ID Theft Protection is provided by Generali

Global Assistance, Inc. More information about this service

provider is available at: mastercardus.idprotectiononline.com/.

Access: To receive ID Theft Protection, you must enroll at:

mastercardus.idprotectiononline.com/. ID Theft Protection

is provided on a 24-hour basis, 365 days a year. Contact

1-800-Mastercard if you believe you have been a victim of

identity theft.

Charges: There is no charge for ID Theft Protection, it is

provided by your ﬁnancial institution.

Program Provisions for Mastercard ID Theft Protection:

To receive ID Theft Protection, you must enroll as described

above and such beneﬁts related to ID Theft Protection accrue

as of the date of enrollment. Mastercard ID Theft Protection

is governed by the terms provided in this Guide to Beneﬁts

and the Terms and Conditions and Terms of Service available

at: mastercardus.idprotectiononline.com/. The terms and

conditions contained in this Guide to Beneﬁts may be modiﬁed

by subsequent mailings, statement inserts, or statement

messages. Mastercard or your ﬁnancial institution can cancel

or non-renew these services, and if we do, we will notify you at

least thirty (30) days in advance. If the provider non-renews or

cancels any services provided to eligible Mastercard cardholders,

you will be notiﬁed within 30–120 days before the expiration of

the service agreement. In the event substantially similar service

takes effect without interruption, no such notice is necessary.

For general questions regarding these services, please contact

1-800-Mastercard or please see

mastercardus.idprotectiononline.com/.

ID Theft Protection Services Provided:

1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS

Personally Identiﬁable Information (PII)

Compromised Credentials monitors for a combination of email

address /username /password /security questions located within:

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

• Hacker account dump sites

• Hacktivist forums

• Data leaks

• Malware logs

Alerts are sent with event details, also listed within resolution

console and most often includes source of breach (from where

the data was harvested).

High-Risk Transactions monitors a Consumer’s high-risk

transactions with more than 300 of the nation’s largest

companies to uncover and thwart account takeover attempts.

Knowledge-Based Authentication (questions only an individual

should know about themselves such as what street they lived on

in 2009) used by organizations across industries limits the risk of

identity theft or account takeover. Alerts are sent when a series

of knowledge-based authentication questions are generated to

validate the Consumer’s identity (i.e. when accessing a credit

report). Monitored transactions include:

• Credit cards

• Bank accounts

• Brokerage accounts

• Healthcare portals

• Workplace intranets

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

Dark Web Monitoring provides monitoring of underground

web pages people can visit without third parties being able to

trace the location of the web visitors or the web page publisher.

Dark web sites make up about .01% of the Internet and are

intentionally hidden or protected by encryption technologies and

not accessible via standard web browsers.

Credit Information

Single Bureau Credit Monitoring monitors a Consumer’s

TransUnion credit ﬁle for changes that could indicate fraud

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

account(s) opened in their name. In order to use this service,

Consumers must provide some personal information, such as

name, address, date of birth, and SSN, and undergo either digital

veriﬁcation via text or knowledge-based authentication. ID Theft

Protection sends alert notiﬁcation emails, such as change of

address alerts, anytime potentially unauthorized inquiries or

suspicious activities on Consumer’s credit ﬁle are detected so

they can take immediate action to minimize damage.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Additional Information

Small Business ID Theft Protection upgrades ID Theft

Protection identity monitoring services by adding URL and

Domain monitoring to the existing list of monitored items. URL

and Domain monitoring searches for the Consumer’s business

URL and domain (limited to 10 domains) within corporate data

breaches, malicious third-party botnets and criminal forums.

2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY

• Email Addresses

• Debit/Credit Cards

• Loyalty/Afﬁnity Cards

• Bank Account Numbers

• Passport Numbers

• Medical and Vehicle Insurance Cards

• Drivers Licenses

• National Identity Numbers/Social Security Numbers

• New Lines of Credit

• Address Changes

3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE

RESOLUTION OR SPECIALIST SUPPORT

Self-Service ID Theft Resolution Kit is a self-service resolution

document which informs Consumers of the different forms of ID

theft, and how to resolve each situation. Resolution tools in the

kit include preventive measures, step-by-step guides and sample

letters to be sent to collection agencies.

Access to Resolutions Specialists which assigns a personal

case manager to help take care of everything.

Self-Service ID Theft Wizard provides step-by-step advice

for many identity theft scenarios that Consumers may face.

All ID Theft Protection users have access to the Identity Theft

Protection Kit found in the Proﬁle section of their portal, which

explains the many forms of identity theft and provides protective

measures anyone can take to limit their risk. The kit also contains

a Federal Trade Commission sample afﬁdavit form, as well as

sample letter templates for ﬁling disputes in cases of identity

theft or fraud.

Online Fraud Alerts allow Consumers to place a statement

on their credit report that instructs lenders to contact the

Consumer before issuing new credit. This makes it more difﬁcult

for an identity thief to open new accounts in their name. When

Consumers place a fraud alert with one bureau, the other two

bureaus are informed, and the alert is then placed on all three

bureau ﬁles. Fraud alert placement is free, and alerts stay on the

Consumer credit ﬁles for one year.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

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:

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

telephone numbers not listed above, visit our website at

www.mastercard.com or call the United States collect at

1-636-722-7111.

Account Information and Card Beneﬁts:

When in the United States, contact your card issuer directly for

account information and 1-800-Mastercard for card beneﬁts.

When traveling outside the U.S., call Mastercard Global Service to

access your card issuer for account information or to access any

of your card beneﬁts.

Australia – 1-800-120-113

Austria – 0800-070-6138

France – 0-800-90-1387

Germany – 0800-071-3542

Hungary – 06800-12517

Ireland – 1-800-55-7378

Italy – 800-870-866

Mexico – 001-800-307-7309

Netherlands – 0800-022-5821

Poland – 0-0800-111-1211

Portugal – 800-8-11-272

Spain – 900-822-756

United Kingdom – 0800-96-4767

Virgin Islands – 800-307-7309

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

ATM Locations:

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

of a nearby ATM in the Mastercard ATM Network accepting

Mastercard,

Maestro,

and Cirrus

brands. Also, visit our website

at www.mastercard.com to use our ATM locator.

You can get cash at over two million ATMs worldwide. To enable

cash access, be sure you know your Personal Identiﬁcation

Number (PIN) before you travel.

CONCIERGE SERVICE

World Elite Mastercard

offers you the Mastercard Concierge

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

where knowledgeable experts can assist with whatever you need,

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

level with robust, personalized features that will save you time and

simplify your day, such as:

• Personal Proﬁle to track preferences for travel, hotels, dining,

entertainment, special occasions – and even food allergies.

• Local experts who can provide on-site assistance with everyday

household needs – like being there when the new appliance is

delivered, because you can’t be.

• Access to unique dining and entertainment venues to turn a

special occasion into a memorable experience.

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

afford to miss.

• Pre-trip planning services, providing you with critical

information in advance of your trip including: 10-day weather

forecast, travel requirements, city-speciﬁc news and conditions,

safety and security advisory, suggested packing lists, pre-

arranged conﬁrmations for dining and other services, top must-

see attractions, ﬁtness 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! Call the number on the back of Your card and our

experts look forward to assisting You.

Costs of any goods or services provided by the concierge will be

billed to your World Elite Mastercard.

This beneﬁt may be subject to change without prior notice. Please

visit www.mastercard.us/worldelite or call 1-800-Mastercard for

the latest beneﬁt information.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

TRAVEL ASSISTANCE SERVICES

Rely on Travel Assistance Services when you’re away from home.

Travel Assistance Services is your guide to many important

services you may need when traveling. Beneﬁts are designed to

assist you or your travel companions when you’re traveling 50

miles or more from home.

* This is reassuring, especially when visiting a place for the

ﬁrst time or not speaking the language. For services, call

1-800-Mastercard. Enrollment is automatic and the assistance

service is free to cardholders. Please keep in mind that you

will be responsible for the fees incurred for professional or

emergency services requested of Travel Assistance Services

(e.g., medical or legal bills).

* Travel Assistance Services are available worldwide, with the

exception of those countries and territories which may be

involved in an international or internal conﬂict, or in those

countries and territories where the existing infrastructure is

deemed inadequate to guarantee service. You may contact us

prior to embarking on a covered trip to conﬁrm whether or not

services are available at your destination(s).

MasterTrip

Travel Assistance

Before you begin your trip, MasterTrip provides information on

travel requirements including documentation (visas, passports),

immunizations or currency exchange rates. The exchange rate

provided may differ from the exact rate that issuers use for

transactions on your card. Information on exchange rates for

items billed on your statement should be obtained from the

ﬁnancial institution that issued your card. MasterTrip will also help

you locate any lost or stolen travel materials, including luggage.

This is not an insurance policy for lost/stolen luggage and we do

not reimburse you for a permanent loss.

If you have a travel emergency and need cash, MasterTrip can

arrange to transfer up to $5,000 from a family member, friend,

or business account. This service does not provide maps or

information regarding road conditions.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Travel Services Medical Assistance

Provides a global referral network of general physicians,

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

prescriptions with local pharmacists (subject to local laws). In

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

contacted for consultation with the local medical staff and to

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

to have messages relayed home, transfer you to another facility

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

brought to your bedside if you have been traveling alone (at

cardholder’s expense). If a tragedy occurs, we’ll assist in securing

travel arrangements for you and your travel companion(s).

MasterLegal

Referral Service

Provides you with English-speaking legal referrals or consults with

appropriate embassies and consulates regarding your situation.

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

friend or business to cover legal fees or to post bail. There is no

charge for referral services; however, legal and bail fees are your

responsibility.

Master RoadAssist

Roadside Service

(Available only when traveling in the 50 United States and the

District of Columbia)

If your car breaks down on the road, just call 1-800-Mastercard

and tell us where you are. We’ll send someone to the rescue.

This is not only reassuring, but it may also save you money

because fees for many services (jumpstarts, towing, gas delivery,

and tire changes) are pre-negotiated. Road service fees will be

automatically billed to your Mastercard account.

You are responsible for emergency road service charges incurred

by towing facilities responding to your dispatch, even if you are

not with your vehicle (or it’s gone) when the tow truck arrives.

Mastercard International is not responsible or liable for the service

the towing facility provides. Towing facilities are independent

contractors, solely liable for their services.

Emergency road service is not available in areas not regularly

traveled, in “off road” areas not accessible by ordinary towing

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

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

call 1-800-Mastercard, as many rental agencies have special

procedures regarding emergency road service assistance.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

ENHANCED TRIP CANCELLATION AND

TRIP INTERRUPTION INSURANCE

Key Terms

Throughout this document, you and your refer to a Cardholder.

We, us, and our refer to New Hampshire Insurance Company, an

AIG Company, New York, NY.

Accident(al) means a sudden, unforeseen, and unexpected event

which: (1) Happens by chance; (2) arises from a source external

to the Eligible Traveler; (3) is independent of illness, disease or

their bodily malfunction or medical or surgical treatment thereof;

(4) occurs while you are insured under the Group Policy; and (5)

is the direct cause of loss.

Accidental Bodily Injury means an Accidental injury to the

body of an external origin, unintentional and unforeseen by the

Eligible Traveler. An Accidental Bodily Injury must be veriﬁed

by a Physician.

Account Holder means a person to whom an Eligible Account is

issued and who holds the Eligible Account under his or her name.

Administrator means Sedgwick Claims Management Services,

Inc. You may contact the Administrator if you have questions

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

Administrator may be reached by phone at 1-800-mastercard.

Authorized User means a person who is recorded as an

authorized user of an Eligible Account by the Account Holder

and who is authorized by the Account Holder to make payments

to the Eligible Account.

Cardholder means the Account Holder or Authorized User of

an Eligible Account in good standing who is a U.S. citizen or a

legal resident of the U.S. or a U.S. territory, including the District

of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin

Islands, and the Northern Mariana Islands.

Common Carrier means any land, water, or air conveyance

operating under a valid license for the transportation of

passengers for hire and for which a ticket must be purchased

prior to commencing travel. Common Carrier does not include

taxis, limousine services, commuter rail or commuter bus lines,

personal automobiles, or rental vehicles.

Covered Card means the Mastercard® card linked to your

Eligible Account.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Covered Trip means a period of round-trip travel to one or more

destinations other than an Eligible Traveler’s place of residence

at the time of departure where: (1) The Eligible Traveler departs

by Common Carrier to begin the period of round-trip travel; (2)

the period of round-trip travel ends when the Eligible Traveler

returns by Common Carrier to the place of departure; (3) the

period of round-trip travel does not exceed three hundred

sixty-ﬁve (365) days away from the Eligible Traveler’s place

of residence at the time of departure; and (4) the Eligible

Traveler charges the full amount of the cost of transportation by

Common Carrier(s) to your Covered Card. The period of round-

trip travel may consist of roundtrip, one-way, or combinations of

roundtrip and one-way tickets with Common Carrier(s).

Domestic Partner means a person who can provide

documentation of registration of a Domestic Partner relationship

with another person pursuant to a state, county, or municipal

provision or who meets all of the following qualiﬁcations: (1)

Has resided with his or her partner continuously for at least

12 months in a sole-partner relationship that is intended to

be permanent; (2) is not married to any other person; (3) is

at least 18 years old; (4) is not related to his or her partner by

blood closer than would bar marriage per state law; and (5) is

ﬁnancially interdependent with his or her partner as can be

documented by copies of joint home ownership or lease, common

bank accounts, credit cards, investments, or insurance.

Eligible Account means the account associated with a U.S.

issued credit card, debit card, checking account, line of credit,

loan, certiﬁcate of deposit or other account that is eligible for

coverage under the Group Policy.

Eligible Traveler means you and your Family Members and

Traveling Companions who purchase a Covered Trip to your

Covered Card.

Evidence of Coverage (EOC) means the summary of beneﬁts

set forth below which describes the terms, conditions, limitations

and exclusions of the coverage provided to you at no additional

charge under the Group Policy. Representations or promises

made by anyone that are not contained in the Group Policy are

not part of your coverage. In the event the EOC, Key Terms,

or Legal Disclosures of this Guide to Beneﬁts conﬂict with the

provisions of the Group Policy, the terms of the Group Policy

govern your coverage.

Family Member means a spouse, Domestic Partner, or

unmarried dependent child up to age 19 (or under age twenty-six

(26) if a full time student at an accredited college or university).

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Group Policy means the Trip Cancellation/Interruption Insurance

Policy entered between New Hampshire Insurance Company, an

AIG Company, and Mastercard Insurance Master Trust, which is

the subject of this Guide to Beneﬁts.

Physician means a licensed medical, surgical, or dental

practitioner acting within the scope of his or her license. The

treating Physician may not be an Eligible Traveler, an Eligible

Traveler’s Family Member, a Traveling Companion or related to

an Eligible Traveler by blood.

Pre-Existing Condition means any condition resulting from

any injury or Sickness affecting an Eligible Traveler, a

Traveling Companion, or a Family Member traveling with an

Eligible Traveler within the sixty (60) day period prior to the

purchase date of a Covered Trip. The condition must have (a)

ﬁrst manifested itself or exhibited symptoms which would have

caused one to seek diagnosis, care, or treatment; (b) required

taking prescribed drugs or medicine; or (c) required medical

treatment or treatment was recommended by a Physician.

Taking maintenance medications for a condition that is

considered stable is not included as a Pre-Existing Condition.

Sickness means ill health, disorder, or unsound condition that is

diagnosed or treated by a Physician.

Terrorist Action means an act of violence by any person

acting von behalf of or in connection with any organization

which is generally recognized as having the intent to overthrow

or inﬂuence the control of any government, that is deemed

terrorism by the United States Government, other than civil

disorder or riot, and is not an act of war, declared or undeclared,

and results in loss of life or major damage to property.

Traveling Companion means an individual who has made

advanced arrangements with you or your Family Members to

travel together for all or part of a Covered Trip.

Travel Supplier means a tour operator, innkeeper, resort, or a

cruise line, airline, railroad or other Common Carrier.

Trip Cancellation means the cancellation of travel arrangements

when the Eligible Traveler is prevented from traveling on a

Common Carrier for a Covered Trip on or before the departure

of the Covered Trip.

Trip Interruption means the interruption of the Covered Trip

either on the way to the point of departure or after departure of

the Covered Trip.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Evidence of Coverage

Refer to Key Terms for the deﬁnitions 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 the full amount of a Covered Trip to your

Covered Card or in combination with your Covered Card and

accumulated points on your Eligible Account or redeemable

certiﬁcates, vouchers, coupons, or discounts awarded from a

frequent ﬂyer program or similar program.

B. Covered Losses:

Covered Losses include Trip Cancellations or Trip

Interruptions that result from the following:

1. Accidental Bodily Injury or loss of life or Sickness of either

the Eligible Traveler, Traveling Companion or an immediate

Family Member of the Eligible Traveler or Traveling

Companion;

2. Inclement weather, which prevents a reasonable and prudent

person from traveling or continuing on a Covered Trip (e.g.

severe weather or natural disaster that causes all travel to or

from the scheduled destination to stop for at least 24 hours);

3. The Eligible Traveler or his or her spouse’s change in military

orders;

4. Terrorist Action or hijacking;

5. Call to jury duty or subpoena by the courts, either of which

cannot be postponed or waived;

6. The Eligible Traveler or Traveling Companion’s dwelling

made uninhabitable; or

7. Quarantine imposed by a Physician for health reasons.

C. The kind of coverage you receive:

Trip Cancellation

We will reimburse you for the nonrefundable amount paid to

a Travel Supplier with your Covered Card if a Covered Loss

causes an Eligible Traveler’s Trip Cancellation, subject to the

cancellation provisions in effect at the time the Travel Supplier

is notiﬁed of cancellation.

If a Physician advises the Eligible Traveler that a Covered Trip

is medically inadvisable, the Eligible Traveler must immediately

notify the appropriate Travel Supplier of his or her Trip

Cancellation after receiving such medical advice. If the Eligible

Traveler does not provide such notiﬁcation, our payment will not

exceed the cancellation penalties imposed by the Travel Supplier

and in effect during the forty-eight (48) hour period immediately

following the Physician’s notice that travel was not advisable,

subject to any other limits set forth herein.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Trip Interruption

If a Covered Loss causes an Eligible Traveler’s Trip Interruption,

we will reimburse you for the nonrefundable amount paid to a

Travel Supplier with your Covered Card for the following:

1. The forfeited, non-refundable, pre-paid land, air and sea

transportation arrangements that were missed; and

2. Additional transportation expenses that the Eligible Traveler

incurs less any available refunds, not to exceed the cost

of an economy-class air ticket by the most direct route for

the Eligible Traveler to rejoin his or her Common Carrier

Covered Trip or to return to his or her place of origin.

If a Covered Loss causes an Eligible Traveler to temporarily

postpone transportation by Common Carrier for a Covered Trip

and a new departure date is set, we will reimburse you for

the following:

1. The additional expenses incurred to purchase tickets for

the new departure (not to exceed the difference between

the original fare and the economy fare for the rescheduled

Covered Trip by the most direct route); and

2. The unused, non-refundable land, air, and sea arrangements

paid to a Travel Supplier with your Covered Card.

Term of Coverage:

Coverage begins on the date the Covered Trip was purchased

and ends immediately at the time the Covered Trip is completed.

An Eligible Traveler’s coverage terminates on any of the following

dates: The date the Eligible Traveler is no longer eligible to

participate; the date the Eligible Account is determined to

be ineligible by the participating organization; the date the

participating organization ceases to pay premium on the Group

Policy; the date the participating organization ceases to participate

in the Group Policy; or the date the Group Policy is terminated.

Coverage Limitations:

The maximum beneﬁt amount for Trip Cancellation is $5,000

per Covered Trip and $10,000 per Eligible Account per 12

consecutive month period.

The maximum beneﬁt amount for Trip Interruption is $5,000

per Covered Trip and $10,000 per Eligible Account per 12

consecutive month period.

Coverage is secondary to and in excess of any other applicable

insurance or beneﬁt available to the Eligible Traveler including

beneﬁts provided by the Travel Supplier, such as exchanged

tickets, drop in ticket prices, goodwill payments, refunds, credits,

or vouchers. In no event will this coverage apply as contributing

insurance. This “non-contribution” clause will take precedence over

the “non-contribution” clauses found in other insurance or indemnity

language. Coverage is not available in states where prohibited.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

D. What is NOT covered:

Coverage does not apply to any Accident, Accidental Bodily

Injury, or loss caused by or resulting from the following, directly

or indirectly:

• Pre-Existing Conditions.

• The Eligible Traveler’s intentionally self-inﬂicted injuries,

including suicide or attempted suicide.

• A declared or undeclared war.

• Mental or emotional disorders, unless hospitalized.

• The Eligible Traveler’s participation in a sporting activity for

which he or she receives a salary or prize money.

• The Eligible Traveler being intoxicated at the time of an

Accident. Intoxication is deﬁned by the laws of the jurisdiction

where such Accident occurs.

• The Eligible Traveler being under the inﬂuence of any narcotic

or other controlled substance at the time of an Accident, unless

the narcotic or other controlled substance is taken and used as

prescribed by a Physician.

• The Eligible Traveler’s commission or attempted commission of

any illegal or criminal act, including but not limited to any felony.

• The Eligible Traveler parachuting from an aircraft.

• The Eligible Traveler engaging or participating in a motorized

vehicular race or speed contest.

• Dental treatment except as a result of Accidental Bodily Injury

to sound, natural teeth.

• Any non-emergency treatment or surgery, routine physical

examinations.

• Hearing aids, eye glasses or contact lenses.

• One-way travel that does not have a return destination.

E. How to ﬁle a claim:

Notiﬁcation of Claims: Visit MyCardBeneﬁts.com or call

1-800-mastercard to open a claim. You must notify the

Administrator of your claim within sixty (60) days of the

Covered Loss or the claim may not be honored. You must also

notify the Travel Supplier and complete its claim procedures.

Claim Forms: Upon receipt of notice of your claim, we will

furnish you with such instructions as are usually furnished by us

for ﬁling proof of loss.

Proof of Loss: You must furnish written proof of loss to us

within 180 days after the date of your loss. Failure to ﬁle such

proof within the time required will not invalidate or reduce your

claim if it was not reasonably possible to give proof within such

time, provided you furnish such proof as soon as reasonably

possible and in no event, except in the absence of legal capacity,

later than one (1) year from the time proof is otherwise required.

Required documentation may include the following:

• Copies of your Common Carrier tickets and Travel Supplier

receipts.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

• Your Covered Card billing statement showing the charges for

the Covered Trip.

• Proof of Covered Loss, as applicable, including court subpoenas,

orders to report for active duty, Physician orders, etc.

• A copy of the Travel Supplier’s cancellation policy.

• Any other information that may be reasonably requested by us

to validate your claim.

Legal Disclosure

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

insurance or other contract. Beneﬁts are provided to you, the

Cardholder, at no additional charge.

The insurance beneﬁts are provided under the Group Policy issued

by New Hampshire Insurance Company, an AIG company. This

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

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

Effective date of beneﬁts: This Guide to Beneﬁts replaces

all prior disclosures, program descriptions, advertising, and

brochures by any party. The Policyholder and we reserve the

right to change the beneﬁts and features of these programs at

any time. Notice will be provided for any changes.

Cancellation: The Policyholder may cancel these beneﬁts at

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

Eligible Accounts. If the Policyholder cancels these beneﬁts, you

will be notiﬁed in advance. If we terminate, cancel, or choose not

to renew the coverage to the Policyholder, you will be notiﬁed

as soon as is practicable. Insurance beneﬁts will still apply for

any eligible coverage that attaches prior to the date of such

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

and conditions of coverage.

Beneﬁts to you: These beneﬁts apply only to U.S. issued Eligible

Accounts. No person or entity other than you shall have any

legal or equitable right, remedy, or claim for beneﬁts, insurance

proceeds and damages under or arising out of these programs.

These beneﬁts do not apply if your card privileges have been

cancelled. However, insurance beneﬁts will still apply for any

beneﬁt you were eligible for prior to the date that your Eligible

Account is suspended or cancelled, subject to the terms and

conditions of coverage.

Legal Actions: No action at law or in equity may be brought

to recover under the Group Policy prior to the expiration of 60

days after written proof of loss has been furnished in accordance

with the requirements of the Group Policy. No such action may

be brought after the expiration of two (2) years from the time

written proof of loss is required to be furnished.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Transfer of rights or beneﬁts: The Group Policy is not

assignable, but the beneﬁts may be assigned.

Intentional Misrepresentation and Fraud: If any request for

beneﬁts made under the Group Policy is determined to be

fraudulent, or if any fraudulent means or devices are used by

you or anyone qualifying as an insured to obtain beneﬁts under

the Group Policy, all beneﬁts will be forfeited. No coverage

is provided if you or anyone qualifying as an insured does the

following: (1) Conceals or misrepresents any fact upon which we

rely, if the concealment or misrepresentation is material and is

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

any fact that contributes to the loss.

Due Diligence: The Eligible Traveler must exercise or perform

all vigilant activity, attentiveness, and care that would be

exercised or performed by a reasonable and prudent person in

the same or similar circumstances to avoid, diminish, or reduce

any loss or damage insured under the Group Policy.

Subrogation: If payment is made under these beneﬁts, we are

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

from other parties or persons. Any party or person who receives

payment under these beneﬁts must transfer to us his or her

rights to recovery against any other party or person and must do

everything necessary to secure these rights and must do nothing

that would jeopardize them.

Other Limitation: Beneﬁts listed in this Guide to Beneﬁts are

subject to the conditions, limitations, and exclusions described in

each beneﬁt section. Receipt and/or possession of this Guide to

Beneﬁts does not guarantee coverage or coverage availability.

This Guide is intended as a summary of services, beneﬁts, and

coverages and, in case of a conﬂict between the Guide and

the Group Policy, the Group Policy shall control. Provision of

services is subject to availability and applicable legal restrictions.

Washington Residents: For Washington residents only,

Evidence of Coverage (EOC) means the section of this Guide to

Beneﬁts that describes the terms, conditions, and exclusions of

your coverage. The EOC, Key Terms, and Legal Disclosures are

the entire agreement between you and us. Representations or

promises made by anyone that are not contained in the EOC,

Key Terms, or Legal Disclosures are not part of your coverage.

In case of a conﬂict between this Guide to Beneﬁts and the

Group Policy, the Guide to Beneﬁts shall control.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

TRAVEL ACCIDENT AND BAGGAGE DELAY

THE PLAN

As a MasterCard Cardholder, you, your spouse or domestic

partner and unmarried dependent children will be automatically

insured against accidental loss of life, limb, sight, speech or

hearing while riding as a passenger in, entering or exiting

any licensed common carrier, provided the entire cost of the

passenger fare(s), less redeemable certiﬁcates, vouchers or

coupons, has been charged to your MasterCard Card account. If

the entire cost of the passenger fare has been charged to your

MasterCard account prior to departure for the airport, terminal

or station, coverage is also provided for common carrier travel

(including taxi, bus, train or airport limousine); immediately,

a) preceding your departure, directly to the airport, terminal

or station b) while at the airport, terminal or station, and c)

immediately following your arrival at the airport, terminal or

station of your destination. If the entire cost of the passenger

fare has not been charged prior to your arrival at the airport,

terminal or station, coverage begins at the time the entire cost of

the travel passenger fare is charged to your MasterCard account.

This coverage does not include Commutation. Commutation

is deﬁned as travel between the Insured Person’s residence and

regular place of employment. Common Carrier means any land,

water or air conveyance operated by those whose occupation or

business is the transportation of persons without discrimination

and for hire.

IMPORTANT DEFINITIONS

Accident or Accidental means a sudden, unforeseen and

unexpected event happening by chance. Dependent Child(ren)

means those children, including adopted children and children

placed for adoption, who are primarily dependent upon the

Insured Person for maintenance and support and who are: 1)

under the age of twenty-ﬁve (25) and reside with the Insured

Person: or 2) beyond the age of twenty-ﬁve (25), permanently

mentally or physically challenged, and incapable of self-support;

or 3) under the age of twenty-ﬁve (25) and classiﬁed as a

full-time student at an institution of higher learning. Domestic

Partner means a person designated in writing by the primary

insured person, who is at least eighteen (18) years of age,

and who during the past twelve (12) months: 1) has been in a

committed relationship with the primary insured person; and 2)

has been the primary insured person’s sole spousal equivalent;

and 3) has resided in the same household as the primary insured

person; and 4) been jointly responsible with the primary insured

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

continue the relationship above indeﬁnitely.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

THE BENEFITS

The full Beneﬁt Amount of $250,000 is payable for accidental

loss of life, two or more members, sight of both eyes, speech

and hearing or any combination thereof. One half of the Beneﬁt

Amount is payable for accidental loss of: one member, sight of

one eye, speech or hearing. “Member” means hand or foot. One

quarter of the Beneﬁt Amount is payable for the accidental loss

of the thumb and index ﬁnger of the same hand. “Loss” means,

with respect to a hand, complete severance through or above

the knuckle joints of at least 4 ﬁngers on the same hand; with

respect to a foot, complete severance through or above the ankle

joint. The Company will consider it a loss of hand or foot even if

they are later reattached. “Beneﬁt Amount” means the Loss

amount applicable at the time the entire cost of the passenger

fare is charged to the eligible MasterCard account. The loss

must occur within one year of the accident. The Company will

pay the single largest applicable Beneﬁt Amount. In no event

will duplicate request forms or multiple charge cards obligate

the Company in excess of the stated Beneﬁt Amounts for any

one loss sustained by any one individual insured as the result

of any one accident. In the event of multiple accidental deaths

per account arising from any one accident, the Company’s

liability for all such losses will be subject to a maximum limit of

insurance equal to three (3) times the Beneﬁt Amount for loss of

life. Beneﬁts will be proportionately divided among the Insured

Persons up to the maximum limit of insurance.

BAGGAGE DELAY

We will reimburse the Insured Person up to the Daily Beneﬁt

Amount of $100 per day for three (3) days in the event of a

Baggage Delay. Our payment is limited to expenses incurred

for the emergency purchase of essential items needed by the

Insured Person while on a covered trip and at a destination other

than the Insured Person’s primary residence. Essential items

not covered by Baggage Delay include, but are not limited to:

1) contact lenses, eyeglasses or hearing aids; 2) artiﬁcial teeth,

dental bridges or prosthetic devices; 3) tickets, documents,

money, securities, checks, travelers checks and valuable papers;

or 4) business samples; The Baggage Delay Beneﬁt Amount

is excess over any other insurance (including homeowners)

or indemnity (including any reimbursements by the airline,

cruise line, railroad, station authority, occupancy provider)

available to the Insured Person. Baggage Delay means a delay

or misdirection of the Insured Person’s Baggage by a Common

Carrier for more than four (4) hours from the time the Insured

Person arrives at the destination on the Insured Person’s ticket.

ELIGIBILITY

This travel insurance plan is provided to MasterCard cardholders

automatically when the entire cost of the passenger fare(s) are

charged to a MasterCard account while the insurance is effective.

It is not necessary for you to notify your ﬁnancial institution, the

administrator or the Company when tickets are purchased.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

THE COST

This travel insurance plan is provided at no additional cost to

eligible MasterCard cardholders. Your ﬁnancial institution pays

the premium for this insurance.

BENEFICIARY

The Loss of Life beneﬁt will be paid to the beneﬁciary designated

by the insured. If no such designation has been made, that beneﬁt

will be paid to the ﬁrst surviving beneﬁciary in the following order:

a) the Insured’s spouse, b) the Insured’s children, c) the Insured’s

parents, d) the Insured’s brothers and sisters, e) the Insured’s

estate. All other indemnities will be paid to the Insured

EXCLUSIONS

This insurance does not cover loss resulting from: 1) an Insured’s

emotional trauma, mental or physical illness, disease, pregnancy,

childbirth or miscarriage, bacterial or viral infection (except

bacterial infection caused by an accident or from accidental

consumption of a substance contaminated by bacteria), or bodily

malfunctions; 2) suicide, attempted suicide or intentionally self-

inﬂicted injuries; 3) declared or undeclared war, but war does

not include acts of terrorism; This insurance also does not apply

to an accident occurring while an Insured is acting or training

as a pilot or crew member, but this exclusion does not apply to

passengers who temporarily perform pilot or crew functions in a

life threatening emergency.

CLAIM NOTICE

Written claim notice must be given to the Company within 20

days after the occurrence of any loss covered by this policy or as

soon as reasonably possible. Failure to give notice within 20 days

will not invalidate or reduce any otherwise valid claim if notice

is given as soon as reasonably possible. CLAIM FORMS: When

the Company receives notice of a claim, the Company will send

you forms for giving proof of loss to us within 15 days. If you do

not receive the forms, you should send the Company a written

description of the loss. CLAIM PROOF OF LOSS: Complete proof

of loss must be given to us within 90 days after the date of loss,

or as soon as reasonably possible. Failure to give complete proof

of loss within these time frames will not invalidate any otherwise

valid claim if notice is given as soon as reasonably possible and in

no event later than 1 year after the deadline to submit complete

proof of loss. CLAIM PAYMENT: For all beneﬁts, the Company

will pay you or your beneﬁciary the applicable beneﬁt amount

within 60 days after complete proof of loss is received and if you,

the Policyholder and/or the beneﬁciary have complied with all the

terms of this policy

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

HOW TO FILE A CLAIM

To ﬁle a claim please call 1-800-MasterCard. Claims are processed

by the Claim Administrator, Crawford and Company. Complete

all items on the required claim form, attach all appropriate

documents, and mail or fax to: Crawford and Company, P.O. Box

4090, Atlanta, GA 30302, Fax Number 855-830-3728. Once a

claim number is assigned, supporting documentation for the claim

can also be submitted through Myclaimsagent.com.

EFFECTIVE DATE

This insurance is effective on the date that you become an eligible

cardholder; and will cease on the date the Master Policy 6477-44-

67 is terminated or on the date your account ceases to be eligible,

whichever occurs ﬁrst.

As a handy reference guide, please read this and keep it in a safe

place with your other insurance documents. This description

of coverage is not a contract of insurance but is simply an

informative statement of the principal provisions of the insurance

while in effect. Complete provisions pertaining to this plan of

Insurance are contained in the master policy on ﬁle with the

Policyholder: Financial Customer Insurance Trust. If this plan does

not conform to your state statutes, it will be amended to comply

with such laws. If a statement in this description of coverage and

any provision in the policy differ, the policy will govern.

MASTERRENTAL COVERAGE

KEY TERMS

Throughout this document, You and Your refer to the cardholder

or authorized user of the covered card. We, Us, and Our refer to

New Hampshire Insurance Company, an AIG Company.

Administrator means Sedgwick Claims Management Services,

Inc. You may contact the administrator if you have questions

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

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

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

issued from their state of residence and indicated on the rental

agreement.

Authorized User means an individual who is authorized to make

purchases on the covered card by the cardholder and is recorded

by the Participating Organization on its records as being an

authorized user.

Cardholder means the person who has been issued an account

by the Participating Organization for the covered card.

Covered Card means the Mastercard card.

Damage means items that can no longer perform the function

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

material or structural failures.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

Evidence of Coverage (EOC) means the document describing

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

Legal Disclosures are the entire agreement between You and

Us. Representations or promises made by anyone that are not

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

part of your coverage.

Rental Agreement means the entire agreement or contract that

you receive when renting a vehicle from a vehicle rental agency

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

rental, as well as the responsibility of all parties under the rental

agreement.

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

or the disappearance of the item from a known place under

circumstances that would indicate the probability of theft.

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

States of America.

Vehicle means a land motor vehicle with four wheels that is

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

surface such as concrete and tarmac. This includes minivans and

sport utility vehicles that are designed to accommodate less than

nine (9) passengers.

Evidence of Coverage of Coverage

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

vehicle for 31 consecutive days or less with your covered card,

you are eligible for beneﬁts under this coverage.

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

and words that appear in bold and Legal Disclosures.

A. To get coverage:

You must initiate and then pay for the entire rental agreement

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

with your covered card and/or the accumulated points from

your covered card at the time the vehicle is returned. If a rental

company promotion/discount of any kind is initially applied

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

rental must be billed to your covered card.

You must decline the optional collision/damage waiver (or similar

coverage) offered by the rental company.

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

agreement.

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

than 31 consecutive days. Rental periods that exceed or are

intended to exceed 31 consecutive days are not covered.

B. The kind of coverage you receive:

We will pay for the following on a secondary basis:

• Physical damage and theft of the vehicle, not to exceed the

limits outlined below.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

• Reasonable loss of use charges imposed by the vehicle rental

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

service. Loss of use charges must be substantiated by a

location and class-speciﬁc ﬂeet utilization log.

• Towing charges to the nearest collision repair facility.

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

such things as personal injury, personal liability, or personal

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

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

C. Coordination of beneﬁts:

When MasterRental is provided on a secondary basis and a

covered loss has occurred, the order in which beneﬁts are

determined is as follows:

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

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

3. Any other collectible insurance;

4. The coverage provided under this EOC.

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

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

your deductible and any other eligible amounts, described in

Section B, not covered by the other insurance.

Note: In certain parts of the United States and Canada, losses

to rental vehicles that are covered by your personal vehicle

insurance policy liability section may not be subject to a

deductible, which means that you may not receive any beneﬁts

from this program. Contact your insurance provider for full

coverage details pertaining to your personal vehicle liability

insurance policy (or similar coverage).

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

you in territories or countries outside of the United States,

coverage is considered primary coverage.

D. Who is covered:

The covered card cardholder and those designated in the rental

agreement as authorized drivers.

E. Excluded rental vehicles:

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

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

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

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

be converted to an open, ﬂatbed 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.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

F. Where you are covered:

Coverage is available worldwide.

Coverage is not available in countries where:

a) This EOC is prohibited by that country’s law; or

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

G. Coverage limitations:

We will pay the lesser of the following:

a) The actual repair amount;

b) Wholesale market value less salvage and depreciation;

c) The rental agency’s purchase invoice less salvage and depreciation.

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

loss of use charges imposed by the vehicle rental company for the

period of time the rental vehicle is out of service.

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

coverage offered by the rental agency.

H. What is NOT covered:

• Any personal item stolen from the interior or exterior of

rental vehicles.

• Vehicle keys or portable Global Positioning Systems (GPS).

• Vehicles not rented by the cardholder or authorized user on

the covered card.

• Any person not designated in the rental agreement as an

authorized driver.

• Any obligations you assume other than what is speciﬁcally

covered under the rental agreement or your primary vehicle

insurance or other indemnity policy.

• Any violation of the written terms and conditions of the rental

agreement.

• Any loss that occurs while driving under the inﬂuence of drugs

or alcohol.

• Any loss associated with racing or reckless driving.

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

authorized driver cannot produce the keys to the rental vehicle

at the time of reporting the incident to the police and/or rental

agency, as a result of negligence.

• Mechanical failures caused by wear and tear, gradual

deterioration, or mechanical breakdown.

• Subsequent damages resulting from a failure to protect the

rental vehicle from further damage.

• Blowouts or tire/rim damage that is not caused by theft or

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

rim damage.

• Rental vehicles where collision/damage waiver coverage (or

similar coverage) was accepted/purchased by you.

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

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

• Depreciation, diminishment of value, administrative, storage, or

other fees charged by the vehicle rental company.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

• Vehicles with a rental agreement that exceeds or is intended

to exceed a rental period of 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); conﬁscation or damage by any

government, public authority, or customs ofﬁcial; risks of

contraband; illegal activity or acts.

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

commercial use, or as a public or livery conveyance.

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

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

tax is required by law.

I. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call 1-800-Mastercard to

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

of the loss or the claim may not be honored.

• You may choose to assign your beneﬁts under this insurance

program to the rental agency from which you rented your

vehicle. Please contact us or our designated representative for

further details.

• Submit the following documentation within one hundred and

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

- Receipt showing the vehicle rental.

- Statement showing the vehicle rental.

- The rental agreement (front and back).

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

- Copy of the declarations page of any primary vehicle

insurance and other valid insurance or coverage.

- Police report when the vehicle is stolen, vandalized

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

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

the vehicle is not drivable.

- Itemized repair estimate from a factory authorized collision

repair facility.

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

applicable.

- Copy of the vehicle rental location class speciﬁc ﬂeet

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

must secure this log from the rental agency.

- Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

LEGAL DISCLOSURE

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

insurance or other contract.

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

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

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

but the lawyer’s fee is your responsibility).

The insurance beneﬁts are provided under a group policy issued

by New Hampshire Insurance Company, an AIG company. This

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

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

Effective date of beneﬁts: Effective September 1, 2021, this

Guide to Beneﬁts replaces all prior disclosures, program

descriptions, advertising, and brochures by any party. The

Policyholder and the insurer reserve the right to change the

beneﬁts and features of these programs at any time. Notice will

be provided for any changes.

Cancellation: The Policyholder can cancel these beneﬁts at

any time or choose not to renew the insurance coverage for

all cardholders. If the Policyholder does cancel these beneﬁts,

you will be notiﬁed in advance. If the insurance company

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

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

Insurance beneﬁts will still apply for any beneﬁts you were

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

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

Beneﬁts to You: These beneﬁts apply only to the cardholder whose

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

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

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

No person or entity other than the cardholder shall have any legal

or equitable right, remedy, or claim for beneﬁts, insurance proceeds

and damages under or arising out of these programs. These

beneﬁts do not apply if your card privileges have been cancelled.

However, insurance beneﬁts will still apply for any beneﬁt you were

eligible for prior to the date that your account is suspended or

cancelled, subject to the terms and conditions of coverage.

Transfer of rights or beneﬁts: No rights or beneﬁts provided

under these insurance beneﬁts may be assigned without the prior

written consent of the claim administrator for these beneﬁts.

Misrepresentation and Fraud: Beneﬁts shall be void if the

cardholder has concealed or misrepresented any material facts

concerning this coverage.

Dispute Resolution – Arbitration: This EOC requires binding

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

arbitration if there is an unresolved dispute concerning this EOC

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

arising from a loss or breakdown). Under this Arbitration

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

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

participate as a class representative or class member in any

class action litigation, any class arbitration or any consolidation

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

arbitrators (each of whom is an independent, neutral third

party) will give a decision after hearing the parties’ positions.

The decision of a majority of the arbitrators will determine the

outcome of the arbitration and the decision of the arbitrators

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

or appealed to, a court of law.

To start arbitration, the disputing party must make a written

demand to the other party for arbitration. This demand must

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

occurred or the dispute arose. The parties will each separately

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

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

expense of the arbitrator selected by that party. The expense

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

otherwise agreed to by the parties, the arbitration will take

place in the county and state in which you live. The arbitration

shall be governed by the Federal Arbitration Act (9 U.S.C.A. §

1 et. seq.) and not by any state law concerning arbitration. The

rules of the American Arbitration Association (adr.org) will

apply to any arbitration under this EOC. The laws of the state of

New York (without giving effect to its conﬂict of law principles)

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

all transactions contemplated by this EOC, including, without

limitation, the validity, interpretation, construction, performance

and enforcement of this EOC.

Due Diligence: All parties are expected to exercise due diligence

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

insured under these programs. “Due diligence” means the

performance of all vigilant activity, attentiveness, and care that

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

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

Subrogation: If payment is made under these beneﬁts, the

insurance company is entitled to recover such amounts from

other parties or persons. Any party or cardholder who receives

payment under these beneﬁts must transfer to the insurance

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

person and must do everything necessary to secure these rights

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

will be recovered from the cardholder.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

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

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

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

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

claim administrator may result in denial of the claim.

Other Insurance: Coverage is secondary to and in excess of

any other applicable insurance or indemnity available to You.

Coverage is limited to only those amounts not covered by any

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

limitations, and exclusions described in this document. In no

event will this coverage apply as contributing insurance. This

Other Insurance clause will take precedence over a similar clause

found in other insurance or indemnity language.

In no event will these insurance beneﬁts apply as contributing

insurance. The non-contribution insurance clause will take

precedence over the non-contribution clause found in any other

insurance policies.

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

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

for any reason, held to be invalid or unenforceable, then such

provision(s) shall be deemed “severable” from the remaining

provisions of the Guide. In that event, all other provisions of this

Guide shall remain valid and enforceable.

Beneﬁts listed in this Guide to Beneﬁts are subject to the

conditions, limitations, and exclusions described in each beneﬁt

section. Receipt and/or possession of this Guide to Beneﬁts

does not guarantee coverage or coverage availability.

This Guide is intended as a summary of services, beneﬁts, and

coverages and, in case of a conﬂict between the Guide and the

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

actual offerings, such master policies or actual offering shall

control. Provision of services is subject to availability and

applicable legal restrictions.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

MASTERCARD TRAVEL & LIFESTYLE

SERVICES

As a World Elite Mastercard

cardholder, you have access to

Mastercard

Travel & Lifestyle Services, a suite of beneﬁts,

amenities and upgrades, preferential treatment and premium

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

air travel, tours, cruises, car 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 ﬁnd the same hotel

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

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

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

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

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

hours before the date of your reservation check-in.

*** Mastercard Hotel Stay Guarantee: The Mastercard Travel

& Lifestyle Services Hotel Stay Guarantee is simple – if

you book your three star or higher hotel stay through the

Mastercard Travel & Lifestyle Services program and you

encounter problems with the hotel, contact Ten Lifestyle

Group plc, the designated travel agent for the Mastercard

Travel & Lifestyle Services program at Toll free (US):

1-855-802-1387 during your stay and a Ten lifestyle manager

will attempt to make it right for the remainder of your stay

by working directly with the hotel to try to resolve your issue

or will make efforts to ﬁnd you comparable accommodations.

Certain terms, conditions and exclusions apply. This beneﬁt may

be subject to change without prior notice. Please visit http://

travel.mastercard.com/product/terms for the latest beneﬁt

information and terms & conditions.

Questions about these beneﬁts? Call 1-800-Mastercard: 800-627-8372

Español: 800-633-4466

ACCOUNT AND BILLING INFORMATION

Contact Barclays 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.

TO FILE A CLAIM

Call 1-800-Mastercard:

800-627-8372,

or en Español:

800-633-4466.

Visit Our website at

mastercard.com

2021 Mastercard

From time to time beneﬁts may be modiﬁed, updated or

removed. All beneﬁts may not be listed in this Guide to

Beneﬁts. Please go to the Rewards and Beneﬁts section of the

customer website at BarclaysUS.com for more information

about all the beneﬁts available to you and to view your

current Guide to Beneﬁts.

BAR-8170-9