YOUR GUIDE TO CARD BENEFITSYour Guide to Benefits describes the benefits in effect as of 4/15/21. Benefit information in this guide replaces
any prior benefit information You may have received. Please read and retain for Your records. Your eligibility isdetermined by Your financial institution. The Provider is solely responsible for program administration and claims.

Visa Business Card
Travel and Emergency Assistance Services
Emergencies can escalate quickly when You are travelingaway from home. Something that is relatively straightforward when You are not traveling, like replacing
prescription medication, can be a difficult task when You
are dealing with local laws or language barriers.
Travel and Emergency Assistance Services are madeavailable to help You in case of an emergency while You
are traveling away from home. The Benefit Administrator
can connect You with the appropriate local emergency
and assistance resources available, 24 hours a day, 365
days a year.
Please note that due to occasional issues such as distance,
location, or time, neither the Benefit Administrator nor
its service providers can be responsible for the availability,use, cost, or results of any medical, legal, transportation,or other services.
What are Travel and Emergency Assistance Services andhow do I use these services when I need them?
Travel and Emergency Assistance Services are madeavailable to You, if You are a cardholder of an eligible card
issued in the United States. You, Your Immediate Family
Members and business associates are also eligible to use
these services. Travel and Emergency Assistance Services
provide assistance and referral only. You are responsible
for the cost of any actual medical, legal, transportation,
cash advance, or other services or goods provided.
To use the services, simply call the toll-free, 24-hour
Benefit Administrator line at 1-800-992-6029. If You
are outside the United States, call collectat 1-804-673-1675.
What are the specific services and how can they helpme?
• Emergency Message Service – can record and relay
emergency messages for travelers, their Immediate
Family Members or business associates. The Benefit
Administrator will use reasonable efforts to relay
emergency messages in accordance with benefit
guidelines and limitations, but cannot take responsibility
for the failure to transmit any message successfully.

• Medical Referral Assistance – provides medical referral,monitoring, and follow-up. The Benefit Administrator
can give You names of local English-speaking doctors,
dentists, and hospitals; assign a doctor to consult byphone with local medical personnel, if necessary, tomonitor Your condition; keep in contact with Your family,
and provide continuing liaison; and help You arrange
medical payments from Your personal account. All costs
are Your responsibility.
• Legal Referral Assistance – can arrange contact withEnglish-speaking attorneys and U.S. embassies andconsulates if You’re detained by local authorities, havea car accident, or need legal assistance. In addition, theBenefit Administrator can coordinate bail payment
from Your personal account. The Benefit Administrator
can also follow up to make sure bail has been properly
handled. All costs are Your responsibility.
• Emergency Transportation Assistance – can help You
make all the necessary arrangements for emergency
transportation home or to the nearest medical facility.
This includes arranging to bring Your Immediate Family
Members or business associates home and helping
You stay in contact with family members or employers
during the emergency. In the case of a death, the Benefit
Administrator can make arrangements to repatriate theremains. All costs are Your responsibility.
• Emergency Ticket Replacement – helps You throughYour carrier’s lost ticket reimbursement process
and assists in the delivery of a replacement ticket
to You, should You lose Your ticket. All costs are Your
responsibility.
• Lost Luggage Locator Service – can help You throughthe Common Carrier’s claim procedures or can arrange
shipment of replacement items if an airline or Common
Carrier loses Your checked luggage. You are responsible
for the cost of any replacement items shipped to You.
• Emergency Translation Services – provides telephone
assistance in all major languages and helps find local
interpreters, if available, when You need more extensive
assistance. All costs are Your responsibility.
• Prescription Assistance and Valuable Document
Delivery Arrangements – can help You fill or replace
1 of 8

prescriptions, subject to local laws, and can arrange
pickup and delivery of Your prescriptions filled for You
at local pharmacies. It can also help transport critical
documents that You may have left at Your home orelsewhere. All costs are Your responsibility.
• Pre-Trip Assistance – can give You information on Your
destination before You leave – such as ATM locations,currency exchange rates, weather reports, healthprecautions, necessary immunizations, and required
passport visas.
Definitions
Common Carrier means any mode of transportation byland, water or air operating for hire under a license to
carry passengers for which a ticket must be purchased
prior to travel. Does not include taxi, limousine service,commuter rail or commuter bus lines.
Immediate Family Member means Your Spouse ordependent children under twenty-two (22) years old.
You or Your means an eligible person whose name isembossed on an eligible U.S. issued card, and You reside in
the United States.
Additional provisions for Travel and Emergency
Assistance Services
This benefit is provided to eligible cardholders at no
additional cost. The terms and conditions contained inthis Guide to Benefits may be modified by subsequent
endorsements. Modifications to the terms and conditions
may be provided via additional Guide to Benefits mailings,
statement inserts, statement messages or electronic
notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose accounts
have been suspended or cancelled.
For more information about the benefit describedin this guide, call the Benefit Administrator at
1-800-992-6029, or call collect outside theU.S. at 1-804-673-1675.
FORM #TEASB – 2017 (Stand 04/17)

TEAS-B

Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing
or replacing a rented car. But accidents do happen, andvehicles do get stolen. No matter what happens to Yourrental car, You can be covered with Auto Rental Collision
Damage Waiver.
Auto Rental Collision Damage Waiver reimburses You fordamages caused by theft or collision -- up to the ActualCash Value of most rented cars. Auto Rental Collision
Damage Waiver covers no other type of loss. For example,
in the event of a collision involving Your rented vehicle,
damage to any other driver’s car or the injury of anyone
or anything is not covered. Rental periods of thirty-one(31) consecutive days are covered. (Longer rental periods,
however, are not covered.)
You are eligible for this benefit if Your name is embossedon an eligible card issued in the United States or if You
are authorized by Your company to rent an eligible vehicle
using the company’s eligible Account, as long the rental
is purchased entirely with the Account. Only You, as theprimary renter of the vehicle, and any additional drivers
permitted by the Rental Car Agreement are covered.
How Auto Rental Collision Damage Waiver works withother insurance
Auto Rental Collision Damage Waiver covers theft,damage, valid loss-of-use charges imposed andsubstantiated by the auto rental company, administrative
fees and reasonable and customary towing charges, due
to a covered theft or damage to the nearest qualified
repair facility.
If the Rental Vehicle is for commercial and/or businesspurposes, Auto Rental Collision Damage Waiver benefit
acts as primary coverage, and You may be reimbursed for
up to the actual cash value of the vehicle.
If the Rental Vehicle is for personal reasons, this benefit
is secondary coverage, supplemental to Your personalautomobile insurance, meaning You may only bereimbursed for the amount of Your personal insurance
deductible or other charges, including valid administrativeand loss-of-use charges not covered under Your personal
insurance policy. If You are renting outside Your countryof residence, or if You do not have automobile insurance,
Auto Rental Collision Damage Waiver acts as primary
coverage.
How to use Auto Rental Collision Damage Waiver
1. Use Your card to initiate and complete Your entire car
rental transaction.
2. Review the auto rental agreement and decline the rental
company’s collision damage waiver (CDW/LDW) option,
or a similar provision, as accepting this coverage willcancel out Your benefit. If the rental company insiststhat You purchase their insurance or collision damage
waiver, call the Benefit Administrator for assistanceat 1-800-348-8472. Outside the United States, callcollect at 1-804-673-1164.
Before You leave the lot, be sure to check the car for any
prior damage.
This benefit is in effect during the time the rental car is inYour (or an authorized driver’s) control, and it terminates
when the rental company reassumes control of theirvehicle.
This benefit is available in the United States and mostforeign countries (with the exception of Israel, Jamaica,
the Republic of Ireland or Northern Ireland). However,this benefit is not available where precluded by law, or
where it’s in violation of the territory terms of the auto
rental agreement, or when prohibited by individual
merchants. Because regulations vary outside the UnitedStates, check with Your auto rental company and the
Benefit Administrator before You travel, to be sure that
Auto Rental Collision Damage Waiver will apply.
2 of 8

Vehicles not covered
Certain vehicles are not covered by this benefit, they
consist of expensive, exotic, and antique cars; cargo vans;certain vans; vehicles with an open cargo bed; trucks;
motorcycles; mopeds; motorbikes; limousines; andrecreational vehicles.
Examples of expensive or exotic cars are the Alfa
Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar,
Lamborghini, Lotus, Maserati, Maybach, McLaren,
Porsche, Rolls Royce, and Tesla. However, selected modelsof Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land
Rover, Lexus, Lincoln, and Range Rover are covered.
An antique car is defined as one that is over twenty (20)years old, or one that has not been manufactured for ten(10) years or more.
Vans are not covered. But those designed as small-grouptransportation vehicles (seating up to nine [9] people,
including the driver) are covered.
If You have questions about a specific vehicle’s coverageor organization where the vehicle is being reserved, callthe Benefit Administrator at 1-800-348-8472 or callcollect outside the United States at 1-804-673-1164.
Related instances & losses not covered• Any obligation You assume under any agreement (otherthan the deductible on Your personal auto policy)• Any violation of the auto rental agreement or thisbenefit• Injury of anyone, or damage to anything, inside oroutside the Rental Vehicle• Loss or theft of personal belongings• Personal liability• Expenses assumed, waived, or paid by the auto rental
company, or its insurer• The cost of any insurance, or collision damage waiver,offered by or purchased through the auto rental
company• Depreciation of the Rental Vehicle caused by theincident including, but not limited to, “diminished value”• Expenses reimbursable by Your insurer, employer, or
employer’s insurance• Theft or damage due to intentional acts, or due tothe driver(s) being under the influence of alcohol,
intoxicants, or drugs, or due to contraband, or illegal
activities• Wear and tear, gradual deterioration, or mechanicalbreakdown• Items not installed by the original manufacturer• Damage due to off-road operation of the Rental Vehicle• Theft or damage due to hostility of any kind (including,but not limited to, war, invasion, rebellion, insurrection,or terrorist activities)• Confiscation by authorities• Vehicles that do not meet the definition of covered
vehicles• Rental periods that either exceed, or are intended to
exceed thirty-one (31) consecutive days
• Leases and mini leases• Theft or damage as a result of the authorized driver’s
and/or cardholder’s lack of reasonable care in protecting
the Rental Vehicle before and/or after the damage ortheft occurs (for example, leaving the car running andunattended)• Theft or damage reported more than forty-five (45)days* after the date of the incident• Theft or damage for which a claim form has not been
received within ninety (90) days* from the date of theincident• Theft or damage for which all required documentation
has not been received within three hundred and sixtyfive (365) days after the date of the incident• Theft or damage from rental transactions thatoriginated in Israel, Jamaica, the Republic of Ireland, orNorthern Ireland• Losses caused by or resulting from a Cyber Incident*Not applicable to residents in certain states
Filing a claim
It is Your responsibility as a cardholder to make every
effort to protect Your Rental Vehicle from damage ortheft. If You have an accident, or Your Rental Vehicle has
been stolen, immediately call the Benefit Administrator
at 1-800-348-8472 to report the incident, regardless ofwhether Your liability has been established. Outside theUnited States, call collect at 1-804-673-1164.
You should report the theft or damage as soon as possible
but no later than forty-five (45) days from the date of
the incident.
The Benefit Administrator reserves the right to deny
any claim containing charges that would not have been
included, if notification occurred before the expenses
were incurred. Thus, it’s in Your best interest to notify
the Benefit Administrator immediately after an incident.
Reporting to any other person will not fulfill thisobligation.
What You must submit to file a claim
At the time of the theft or damage, or when You return
the Rental Vehicle, ask Your car rental company for thefollowing documents:• A copy of the accident report form
• A copy of the initial and final auto rental agreements(front and back)• A copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged vehicle, if available• A police report, if obtainable

3 of 8• A copy of the demand letter which indicates the costs
You are responsible for and any amounts that have been
paid toward the claim
Submit all of the above documents from the rental
company, along with the following documents, to the
Benefit Administrator:• The completed and signed Auto Rental Collision Damage
Waiver claim form (Important: This must be postmarked
within ninety (90) days* of the theft or damage date,even if all other required documentation is not yet
available – or Your claim may be denied).
• A copy of Your monthly billing statement (showing
the last four [4] digits of the Account number)demonstrating that the entire rental transaction wasmade on Your eligible Account.
• If the rental was for personal use, a statement from Your
insurance carrier (and/or Your employer or employer’s
insurance carrier, if applicable), or other reimbursement
showing the costs for which You are responsible, andany amounts that have been paid toward the claim. Or,
if You have no applicable insurance or reimbursement, astatement of no insurance or reimbursement is required.
• If the rental was for personal use, a copy of Your primary
insurance policy’s Declarations Page (if applicable), toconfirm Your deductible (This means the document(s) inYour insurance policy that lists names, coverages, limits,
effective dates, and deductibles).
• Any other documentation required by the Benefit
Administrator to substantiate the claim.
Finally, please note that all remaining documents must
be postmarked within three hundred and sixty-five (365)days* of the theft or damage date or Your claim may bedenied.
*Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental
Collision Damage Waiver, visit www.eclaimsline.com
Finalizing Your claimYour claim will typically be finalized within fifteen (15)days, after the Benefit Administrator has received all the
documentation needed to substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights andremedies against any party in regard to this theft or
damage will be transferred to the Benefit Administrator,
to the extent of the cost of payment made to You. You
must give the Benefit Administrator all assistance as may
reasonably be required to secure all rights and remedies.
Definitions
Account means Your credit or debit card Accounts.
Actual Cash Value means the amount a Rental Vehicle isdetermined to be worth based on its market value, age
and condition at the time of loss.
Eligible Person means a cardholder who pays for theirauto rental by using their eligible Account.

Rental Car Agreement means the entire contract aneligible renter receives when renting a Rental Vehicle froma rental car agency which describes in full all of the terms
and conditions of the rental, as well as the responsibilitiesof all parties under the contract.
Rental Vehicle means a land motor vehicle with fouror more wheels as described in the participatingorganization’s disclosure statement which the eligible
renter has rented for the period of time shownon the Rental Car Agreement and does not have amanufacturer’s suggested retail price exceeding theamount shown on the participating organization’s
disclosure statement.
You or Your means an Eligible Person who uses theireligible card to initiate and complete the rental cartransaction.
Please see “Definitions Related to Cyber Incidents” foradditional definitions that apply to this benefit.
Please see “General Provisions” for provisions which apply
to this benefit.
For more information about the benefit describedin this guide, call the Benefit Administrator at
1-800-348-8472, or call collect outside theU.S. at 1-804-673-1164.
FORM #BCDW01 – 2021 (04/21)
ARCDW-B
Purchase Security/Extended Protection
Purchase Security
Life is full of surprises…some good surprises; and some,not so good.
For instance, Your son’s brand new iPad got soaked, in asudden rainstorm at summer camp. But, You bought theitem with Your card so, You may be covered. Purchase
Security protects new retail purchases made with Youreligible Account and/or rewards program associated withYour covered Account within the first ninety (90) days
from the date of purchase. To be eligible for this coverage,
You need to purchase either a portion or the entire cost of
the item using Your Account.
At the Benefit Administrator’s discretion, this benefit
replaces, repairs, or reimburses You, up to the totalpurchase price of Your item for a maximum of ten
thousand dollars ($10,000.00) per claim and fifty
thousand dollars ($50,000.00), per cardholder, in theevent of theft or damage.
You are eligible for this benefit if You are a cardholder ofan eligible card issued in the United States.
Gifts purchased for friends and family members may
also be covered if they are purchased with Your covered
Account and/or rewards program associated with Your
covered Account.
Purchase Security covers
Eligible items of property purchased with Your Accountand/or rewards program associated with Your covered
4 of 8

Account are covered for theft or damage. Purchases madeoutside the United States are also covered as long as You
purchased the item with Your covered Account and/or
rewards program associated with Your covered Account.
Purchase Security does not cover• Animals and living plants• Antiques or collectible items• Boats, aircraft, automobiles, and any other motorized
vehicles and their motors, equipment, or accessories,
including trailers and other items towable or attachable
to any motorized vehicle• Broken items, unless the result of a covered occurrence• Computer software• Items purchased for resale• Items that are lost, or that “mysteriously disappear,”meaning they vanished in an unexplained manner, withno evidence of wrongdoing by one person or several• Items under the control and care of a common carrier(including the U.S. Postal Service, airplanes, or a delivery
service)• Items in Your baggage (unless hand carried, or underYour supervision or that of a companion You know);
includes jewelry and watches, among other things• Theft or damage stemming from abuse, fraud, hostilities(war, invasion, rebellion, insurrection, terrorist activities,
and more); confiscation by authorities (if contrabandor illegal); normal wear and tear; flood, earthquake,radioactive contamination; damage from inherent
product defects• Theft or damage from misdelivery, or voluntarily partingwith property• Medical equipment• Perishable or consumable items, including cosmetics,
perfumes, rechargeable batteries, among others• Real estate and items intended for real estate, including
hard-wired and hard-plumbed items, garage doors andopeners, ceiling fans, among other items• Rented and leased items• Traveler’s checks, cash, tickets, credit or debit cards,
among other negotiable purchased instruments• Items used or pre-owned (Refurbished items will not be
considered used or pre-owned as long as accompanied
by a warranty)• Losses caused by or resulting from a Cyber Incident
Filing a Purchase Security claim
Call the Benefit Administrator at 1-800-848-1943,
or call collect outside the U.S. at 1-303-967-1096,
within sixty (60) days of the damage or theft (if You
wait longer, coverage may be denied). The Benefit
Administrator will ask for some preliminary claim
information, answer Your questions and send You a claim
form. When You submit Your claim, be sure to include

all information regarding Your claim including the time,
place, cause and the amount to either replace or repair theitem.
If You have insurance (homeowner’s, renter’s, car,employer or any other), You are required to file a claim
with Your insurance company and to submit a copy of
any claim settlement from Your insurance company
along with Your claim form. Purchase Security provides
coverage on an “excess” coverage basis, meaning it does
not duplicate coverage, but pays for a loss only after
valid and collectible insurance or indemnity (including,but not limited to, homeowner’s, renter’s, automobile,or employer’s insurance policies) has been exhausted. Atthat point, Purchase Security will cover the loss up to theamount charged to Your eligible Account, subject to theterms, exclusions, and limits of liability of the benefit.
This benefit also pays for the outstanding deductible
portion of Your insurance or indemnity for eligible claims.
The maximum total limit of liability is up to ten thousand
dollars ($10,000.00) per claim occurrence and fifty
thousand dollars ($50,000.00) per cardholder. You will
receive no more than the purchase price as recorded on
the eligible card receipt.
When a protected item is part of a pair or set, You will
receive no more than the value (as described above) of
the particular part or parts, stolen or damaged, regardlessof any special value that item may have as part of such apair or set, and no more than the proportionate part of anaggregate purchase price of such pair or set.
For faster filing, or to learn more about Purchase
Security, visit www.cardbenefitservices.com
Gift recipients may file their own claims, if they have thenecessary substantiating documents.
Please submit the following documents:• Your signed and completed claim form
• A copy of Your monthly billing statement (showing
the last four [4] digits of the Account number)demonstrating that the purchase was made on Youreligible Account and/or rewards programs associatedwith Your covered Account• If more than one method of payment was used, pleaseprovide documentation as to additional currency,
voucher, points or any other payment method utilized• A copy of the itemized store receipt demonstrating thatthe purchase was made on Your eligible Account and/or
rewards program associated with Your covered Account• Copy of the documentation of any other settlement of
the loss (if applicable)• If the item is repairable, the estimate of repair OR a copyof the paid receipt/invoice for the repairs, indicating thetype of damage to the claimed item (if applicable)• Copy of the police report (made within forty-eight (48)hours of the occurrence in the case of theft), fire reportor incident report to substantiate the loss. If the loss
5 of 8was not reported, please provide a replacement receipt
or other sufficient proof of loss deemed eligible solely byYour Benefits Specialist (if applicable)• Any other documents necessary to substantiate Yourclaim
In some cases of damage, You will be asked to send, atYour expense, the damaged item along with Your claim inorder to substantiate the claim, so make sure to keep thedamaged item in Your possession.
PLEASE NOTE: Your maximum recovery under the
Purchase Security Benefit is the purchase price of theitem, not to exceed the coverage limit.
Please return Your signed and completed form with all
documentation within ninety (90) days of the date oftheft or damage.
How will I be reimbursed?
Once You’ve met the conditions of this benefit, theBenefit Administrator will resolve Your claim in one of twoways:• A damaged item may be repaired, rebuilt, or replaced,
while a stolen item will be replaced. Typically, You will
receive notice about this decision within fifteen (15) days
upon receipt of Your claim documentation.
• You may receive payment to replace Your item, anamount not more than the original purchase price, lessshipping and handling charges, up to ten thousand
dollars ($10,000.00) per claim and fifty thousand dollars($50,000.00) per cardholder. You will only be reimbursed
up to the dollar amount to replace or repair the itemor the program limit, whichever is less. Under normal
circumstances, reimbursement will take place within five(5) business days.
Extended Warranty Protection
Product warranties can be inconvenient and cumbersome
to use.
Let’s say You purchased a great gadget about a year ago,
but it just stopped working, and You can’t find Your salesreceipt and warranty information. For all too common
situations like these, Extended Warranty Protection can
help.
Extended Warranty Protection provides You with valuable
features that help You manage, use and extend thewarranties for eligible items purchased on Your covered
Account and/or rewards programs associated with Your
covered Account. Services include Warranty Registrationand Extended Protection. You are eligible for this benefit
if You are a cardholder of an eligible card issued in the
United States and You purchase either a portion or theentire cost of the item using Your Account and/or rewards
program associated with Your covered Account.
Here’s how Warranty Registration works
When You purchase an eligible item that carries amanufacturer’s warranty, You can register Your purchaseby calling 1-800-848-1943 or call collect outside the U.S.
at 1-303-967-1096. You can also register Your purchaseonline at www.cardbenefitservices.com.
The Benefit Administrator will tell You where to send Your
item’s sales receipt and warranty information, so they canbe kept on file should You need them.
If You choose not to register Your item, be sure to keepYour monthly billing statement reflecting the purchase,the itemized sales receipt, the original manufacturer’s
written U.S. warranty and any additional warranty in a safe
place. These documents will be required to verify Your
claim.
Here’s how Extended Protection works
Your warranty coverage can be doubled up to one (1)additional year on eligible warranties of three (3) years or
less. For example, a manufacturer’s warranty of three (3)months would be provided with an additional three (3)months of coverage for a combined total of six (6) monthsof coverage, and a warranty for six (6) months would be
provided with an additional six (6) months of coverage
for a combined total of twelve (12) months of coverage.
However, if the manufacturer’s warranty is for three (3)years, it would only be extended one (1) additional year.
This benefit is limited to no more than the original priceof the purchased item (as shown on Your credit card
receipt), less shipping and handling fees, up to a maximumof ten thousand dollars ($10,000.00) per claim, and fifty
thousand dollars ($50,000.00) per cardholder.
The benefit covers purchases made both inside andoutside the U.S. The eligible item must have a valid
original manufacturer’s U.S. repair warranty of three(3) years or less, store-purchased dealer warranty, or an
assembler warranty.
What Extended Protection does not cover• Boats, automobiles, aircraft, and any other motorized
vehicles and their motors, equipment, or accessories,
including trailers and other items that can be towed by
or attached to any motorized vehicle• Any costs other than those specifically covered under
the terms of the original manufacturer’s written U.S.
repair warranty, as supplied by the original manufacturer,
or other eligible warranty• Items purchased for resale• Real estate and items which are intended to become partof real estate including, but not limited to, items that are
hard-wired or hard-plumbed, garage doors, garage door
openers, and ceiling fans
• Rented or leased items• Computer software• Medical equipment• Used or pre-owned items (Refurbished items will becovered as long as it has a warranty with it and would not
be considered used or pre-owned)

6 of 8• Losses caused by or resulting from a Cyber Incident
Filing an Extended Protection claim
To file a claim, call the Benefit Administrator at
1-800-848-1943 (or call collect outside the U.S., at
1-303-967-1096), immediately after the failure of Your
covered item. Please note that if You do not notify the
Benefit Administrator within sixty (60) days of productfailure, Your claim may be denied.
The Benefit Administrator will request preliminary claim
information, direct You to the appropriate repair facility,
and send You the claim form. Gift recipients of eligible
items are also covered, but they must provide all the
documents needed to substantiate their claim.
If You received or purchased a service contract or an
extended warranty when You purchased Your item, thisbenefit will be supplemental to, and in excess of, thatcoverage.
What You must submit to file a claim
Fill out and sign the claim form the Benefit Administrator
sent You, then submit the form within ninety (90) days ofthe product failure, along with the following documents:• A copy of Your monthly billing statement (showing
the last four [4] digits of the Account number)demonstrating that the purchase was made on Youreligible Account and/or rewards program associated withYour covered Account• If more than one method of payment was used, pleaseprovide documentation as to additional currency,
voucher, points or any other payment method utilized• A copy of the itemized sales receipt• A copy of the original manufacturer’s written U.S.
warranty, and any other applicable warranty• A description of the item and its serial number, and anyother documentation deemed necessary to substantiateYour claim (this includes bills and, if necessary, a copy ofthe maintenance record and receipts)• The original repair estimate or repair bill, indicating causeof failure• Any other documentation deemed necessary by the
Benefit Administrator to substantiate the claim
All claims must be fully substantiated.
For faster filing, or to learn more about Extended
Warranty Protection, visit www.cardbenefitservices.com
How will I be reimbursed?
If You have substantiated Your claim and met the terms
and conditions of the benefit, Your item will be replacedor repaired at the Benefit Administrator’s discretion,
but for no more than the original purchase price of thecovered item, as recorded on Your credit card receipt,
less shipping and handling fees, up to a maximum of ten
thousand dollars ($10,000.00) per claim, and a maximumof fifty thousand dollars ($50,000.00) per cardholder.
You will only be reimbursed up to the amount charged

to Your Account or the program limit, whichever is less.
Under normal circumstances, reimbursement will occur
within five (5) business days of the receipt and approval of
all required documents.
If Your item is to be repaired, You may go to an authorized
repair facility and file a claim for reimbursement. Only
valid and reasonable repairs made at the manufacturer’s
authorized repair facility are covered.
In either case, the Benefit Administrator’s payment,
replacement, or repair made in good faith will fulfill theobligation under this benefit.
Definitions for Purchase Security and Extended
Protection
Account means Your credit or debit card Accounts.
Eligible Person means a cardholder who pays for theirpurchase by using their eligible Account and/or rewards
program associated with their covered Account.
You or Your means an Eligible Person who purchasetheir item to their eligible Account and/or with rewards
program associated with their covered Account.
Please see “Definitions Related to Cyber Incidents” foradditional definitions that apply to this benefit.
Please see “General Provisions” for provisions which apply
to this benefit.
For more information about the benefit describedin this guide, call the Benefit Administrator at
1-800-848-1943, or call collect outside theU.S. at 1-303-967-1096.
FORM #PSEPBUSINESSv1 – 2021 (04/21)
PSEP-B
Definitions Related to Cyber Incidents: The following
language applies to Auto Rental Collision Damage
Waiver, Purchase Security and Extended Protection:
Computer Programs means a set of related electronic
instructions which direct the operations and functions ofa computer or device connected to it, which enable thecomputer or device to receive, process, store, retrieve or
send data.
Cyber Incident means any of the following acts:(a) unauthorized access to or use of Your Digital Data or a
Rental Vehicle or a Covered Purchase;(b) alteration, corruption, damage, reduction infunctionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your
Digital Data or a Rental Vehicle or a Covered Purchase;(c) transmission or introduction of a computer virus orharmful code, including ransomware, into or directedagainst Your Digital Data or a Rental Vehicle or a
Covered Purchase;(d) restriction or inhibition of access to or directed against
Your Digital Data or a Rental Vehicle or a Covered
Purchase;(e) computer errors, including human operating error
or omission; power failure, surge, or diminution of
7 of 8electronic systems; or mistakes in legitimate electroniccode or damage from code installed on a Rental Vehicle
or a Covered Purchase during the manufacturing
process, upgrade process, or normal maintenance.
Digital Data means information, concepts, knowledge,
facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, ortransmitted to or from computer software (including
systems and applications software), on hard or floppy
disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software
which are used with electronically controlled equipment.
Digital Data shall include the capacity of a Rental Vehicle
or a Covered Purchase to store information, process
information, and transmit information over the Internet.
General Provisions: Applies to ALL Benefits except for
Travel and Emergency Assistance Services:• Signed or pinned transactions are covered as long as You
use Your eligible card to secure the transaction.
• You shall do all things reasonable to avoid or diminish any
loss covered by this benefit. This provision will not be
unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent
in any respect, no coverage shall exist for such claim, andYour benefit may be cancelled. Each cardholder agrees
that representations regarding claims will be accurate
and complete. Any and all relevant provisions shall be
void in any case of fraud, intentional concealment, or
misrepresentation of material fact.
• No legal action for a claim may be brought against theProvider until sixty (60) days after the Provider receives
Proof of Loss. No legal action against the Provider may
be brought more than two (2) years after the time forgiving Proof of Loss. Further, no legal action may bebrought against the Provider unless all the terms of the
Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no
additional cost. The terms and conditions contained inthis Guide to Benefits may be modified by subsequent
endorsements. Modifications to the terms andconditions may be provided via additional Guide to
Benefits mailings, statement inserts, statement
messages or electronic notification. The benefits
described in this Guide will not apply to cardholders
whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions.
Your financial institution can cancel or non-renew thebenefits for cardholders, and if they do, they will notify
You at least thirty (30) days in advance. Indemnity
Insurance Company of North America (“Provider”)
is the underwriter of these benefits and is solely
responsible for its administration and claims. The
Benefit Administrator provides services on behalf of theProvider.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
© 2023 Wells Fargo Bank, N.A
DCV6972E (9/23)• After the Benefit Administrator has paid Your claim,
all Your rights and remedies against any party inrespect of this claim will be transferred to the Benefit
Administrator to the extent of the payment madeto You. You must give the Benefit Administrator all
assistance as may reasonably be required to secure allrights and remedies.
• This benefit does not apply to the extent that trade or
economic sanctions or other laws or regulations prohibit
the provision of insurance, including, but not limited to,the payment of claims.
© 2021 Visa. All Rights Reserved.

visa.com

visa.com

8 of 8