b'GUIDE TO\nBENEFITS\nDINERS CLUB\xc2\xae CARD ELITE\nCARDHOLDER BENEFITS\n\nIMPORTANT INFORMATION.\nPLEASE READ AND SAVE.\n\nThis Guide to Benefits contains detailed information about extensive travel,\ninsurance, and retail protection services you can access as a preferred\ncardholder. These programs and coverages apply to travel and retail\npurchases made on or after November 1, 2020. This Guide supersedes\nany guide or program description you may have received earlier.\nTo file a claim or for more information on any of these services,\ncall the Mastercard Assistance Center at 1-800-Mastercard or\nen Espanol: 1-800-633-4466.\n\xe2\x80\x9cCard\xe2\x80\x9d refers to Diners Club Card Elite card and \xe2\x80\x9cCardholder\xe2\x80\x9d refers\nto a Diners Club Card Elite cardholder.\n\nDINERS CLUB CARD ELITE GUIDE TO BENEFITS\n\nBMO Harris Bank N.A.\n\n\x0cKey Terms\n\nYou and Your refer to the cardholder or authorized user of the covered\ncard. We, Us, and Our refer to New Hampshire Insurance Company, an AIG\ncompany. Other words and phrases that appear in bold have special meaning.\nAdministrator means Sedgwick Claims Management Services, Inc.,\nyou may contact the administrator if you have questions regarding this\ncoverage or would like to make a claim. The administrator can be reached\nby phone at 1-800-Mastercard.\nAssistance Center shall mean the designated assistance teams trained\nto provide customer services and coordination of qualified local providers to\ntravelers in real time.\nAuthorized driver(s) means a driver with a valid driver\xe2\x80\x99s license issued\nfrom their state of residence and indicated on the rental agreement.\nAuthorized User means an individual who is authorized to make\npurchases on the covered card by the cardholder and is recorded by the\nparticipating organization on its records as being an authorized user.\nCardholder means the person who has been issued an account by the\nparticipating organization for the covered card.\nCarry-on luggage means suitcases or other containers specifically\ndesignated for carrying personal property, which are carried on board a\ncommon carrier by you.\nCharge means any non-refundable cancellation or change fee imposed by\nthe common carrier.\nChecked luggage means suitcases or other containers specifically\ndesignated for carrying personal property, for which a claim check has been\nissued to you by a common carrier.\nCommon carrier means an air, land, or water motorized transportation\ncarrier operating under a regularly published schedule and current license as\nrequired by law for the conveyance of passengers. Common carrier does not\ninclude helicopters, taxis, rental cars, hired cars, and private and contract carriers.\nCovered card means the active and valid Mastercard-branded Diners Club\nCard Elite payment card.\nDamage means items that can no longer perform the function they were\nintended to do in normal service due to broken parts, material or structural failures.\nEligible cellular wireless telephones means the cellular telephones\nassociated with the primary line and additional statement from a cellular provider\nfor the billing cycle preceding the month in which the theft or damage occurred.\nEligible Person means a Cardholder who charges his or her monthly bill for\nan eligible cellular wireless telephone to his or her Covered Card. No person or\nentity other than the eligible person(s) described shall have any legal or equitable\nright, remedy or claim for the insurance proceeds arising out of this coverage.\nEvidence of Coverage (EOC) means the summary of benefits set forth\nbelow which describe the terms, conditions, limitations and exclusions of the\ncoverage provided to you at no additional charge under the group policy.\nRepresentations or promises made by anyone that are not contained in the\ngroup policy are not part of your coverage. In the event the EOC, Key Terms,\nor Legal Disclosures of this Guide to Benefits conflict with the provisions of the\ngroup policy, the terms of the group policy govern your coverage.\nFamily Member means the spouse or domestic partner of you. It includes\nunmarried children of you under nineteen (19) years of age. It also includes\nunmarried children under twenty-six (26) years of age if a full-time student at\nan accredited college or university.\nInjury means bodily injury caused by an accident that occurs while you are\ncovered under this program, and results directly and independently of all other\ncauses of loss.The injury must be verified by a physician.\n\n1\n\nDiners Club Card Elite\n\n\x0cLost means luggage (including personal property contained within) that is\nmissing for 10 consecutive days and whose whereabouts are unknown to you\nor the common carrier.\nMedically imposed restrictions means a restriction certified by your\nphysician prohibiting you from traveling on a common carrier.\nPhysician means a licensed medical, surgical, or dental practitioner acting\nwithin the scope of his or her license. The treating physician may not be you,\nyour family member, a traveling companion or related to you by blood.\nPre-existing medical condition means any condition resulting from any\ninjury or sickness affecting you, a traveling companion, or a family member traveling\nwith you within the sixty (60) day period prior to the purchase date of your trip.\nThe condition must have (a) first manifested itself or exhibited symptoms which\nwould have caused one to seek diagnosis, care, or treatment; (b) required taking\nprescribed drugs or medicine; or (c) required medical treatment or treatment was\nrecommended by a physician.Taking maintenance medications for a condition that\nis considered stable shall not be included as a pre-existing medical condition.\nRental agreement means the entire agreement or contract that you\nreceive when renting a vehicle from a vehicle rental agency that describes in\nfull all of the terms and conditions of the rental, as well as the responsibility of\nall parties under the rental agreement.\nReturn destination means the place to which you expect to return from\nyour trip as indicated on your common carrier ticket.\nSickness means an illness or disease that is diagnosed or treated by a physician.\nStolen means items that are taken by force and/or under duress or the\ndisappearance of the item from a known place under circumstances that\nwould indicate the probability of theft.\nTraveling companion means any individual(s) with whom you have\narranged to travel on the same trip with the same itinerary and for which the\ncost of the trip was charged with your covered card.\nTrip means a scheduled period of travel with a destination and return\ndestination away from your primary residence using a common carrier.\nTrip departure date means the date on which you are originally\nscheduled to leave on your trip.\nTrip completion date means the date on which you are scheduled to\nreturn to the return destination.\nUnited States Dollars (USD) means the currency of the United States\nof America.\nVehicle means a land motor vehicle with four wheels that is designed for\nuse on public roads and intended for use on a bound surface such as concrete\nand tarmac. This includes minivans and sport utility vehicles that are designed\nto accommodate less than nine (9) passengers.\n\nMasterRental\n\nVarious provisions in this document restrict coverage. Read carefully to determine\nall rights and duties and what is and is not covered. Please see the \xe2\x80\x98Key Terms\xe2\x80\x99\nsection for the terms used throughout this benefit.\nEvidence of Coverage\nThis EOC replaces all prior disclosures, program descriptions, advertising, and brochures\nby any other party. We reserve the right to change the benefits and features of these\nprograms at any time. Notice will be provided for any changes. Pursuant to the below\nterms and conditions herein, when you rent a vehicle for thirty-one (31) consecutive\ndays or less with your covered card, you are eligible for benefits hereunder.\n\nA. To get coverage:\n\xe2\x80\xa2 \x07You must initiate and then pay for the entire rental agreement\n\n(tax, gasoline, and airport fees are not considered rental charges) with your\n\nGuide to Benefits\n\n2\n\n\x0ccovered card and/or the accumulated points from your covered card at the\ntime the vehicle is returned. If a rental company promotion/discount of any\nkind is initially applied toward payment of the rental vehicle, at least one (1)\nfull day of rental must be billed to your covered card.\n\xe2\x80\xa2 \x07You must decline the optional collision/damage waiver (or similar coverage)\noffered by the rental company.\n\xe2\x80\xa2 \x07You must rent the vehicle in your own name and sign the rental agreement.\n\xe2\x80\xa2 \x07Your rental agreement must be for a rental period of no more than\nthirty-one (31) consecutive days. Rental periods that exceed or are intended\nto exceed thirty-one (31) consecutive days are not covered.\nB. The kind of coverage you receive:\nWe will pay for the following on a secondary basis:\n\xe2\x80\xa2 \x07Physical damage and theft of the vehicle, not to exceed the limits outlined below.\n\xe2\x80\xa2 \x07Reasonable loss of use charges imposed by the vehicle rental company for the\nperiod of time the rental vehicle is out of service. Loss of use charges must be\nsubstantiated by a location and class specific fleet utilization log.\n\xe2\x80\xa2 \x07Towing charges to the nearest collision repair facility.\nThis coverage is not all-inclusive, which means it does not cover such things as personal\ninjury, personal liability, or personal property. It does not cover you for any damages to\nother vehicles or property. It does not cover you for any injury to any party.\nC. Coordination of Benefits:\nWhen coverage hereunder is provided on a secondary basis and a\ncovered loss has occurred, the order in which benefits are determined\nshall be made as follows:\n1. You or an authorized driver\xe2\x80\x99s primary auto insurance;\n2. Collision/damage waiver provided to you by the rental agency;\n3. Any other collectible insurance;\n4. The coverage provided under this EOC.\nIf you or an authorized driver\xe2\x80\x99s primary auto insurance or other coverage\nhas made payments for a covered loss, we will cover your deductible and any\nother eligible amounts, described under the kind of coverage you receive, not\ncovered by the other insurance.\nNote: In certain parts of the United States and Canada losses to rental\nvehicles that are covered by your personal vehicle liability insurance policy\nmay not be subject to a deductible, which means that you may not be eligible\nto receive any coverage under this program. Contact your insurance provider\nfor full coverage details pertaining to your personal vehicle liability insurance\npolicy (or similar coverage).\nIf you do not have other insurance or your insurance policy does not cover\nyou in territories or countries outside of the United States, coverage is\nconsidered primary coverage subject to any applicable economic and trade\nsanctions conditions.\nD. Who is covered:\nThe covered card cardholder and those designated in the rental\nagreement as authorized drivers.\nE. Excluded Vehicles:\nThis coverage does not apply to any:\n\xe2\x80\xa2 Vehicles not required to be licensed.\n\xe2\x80\xa2 \x07All full-size vans mounted on truck chassis (including, but not limited to, Ford\nEconoVan), cargo vans, campers, off-road vehicles, and other recreational\nvehicles.\n\xe2\x80\xa2 \x07Trailers, motorbikes, motorcycles, and any other vehicle having fewer than\nfour (4) wheels.\n\xe2\x80\xa2 \x07Antique vehicles (vehicles that are more than twenty (20) years old or have\nnot been manufactured for at least ten (\x07 10) years), or limousines.\nF. Where you are covered:\nCoverage is available worldwide; provided coverage is not available in\ncountries where:\n\xe2\x80\xa2 This EOC or the group policy is prohibited by that country\xe2\x80\x99s law;\n3\n\nDiners Club Card Elite\n\n\x0c\xe2\x80\xa2 \x07The terms of the EOC or the group policy are in conflict with the laws of\nthat country.\nIn addition, we shall not be deemed to provide coverage and we shall not be\nliable to pay any claim or provide any benefit under the group policy to the extent\nthat the provision of such coverage, payment of such claim or provision of such\nbenefit would expose us, our parent company or its ultimate controlling entity to\nany sanction, prohibition or restriction under United Nations resolutions or the\ntrade or economic sanctions, laws or regulations of the European Union or the\nUnited States of America. Wherever coverage provided by this policy would be in\nviolation of any economic or trade sanctions, such coverage shall be null and void.\nG. Coverage limitations:\nWe will pay the lesser of the following:\n\xe2\x80\xa2R\n\x07 easonable and customary charges of repair or the actual repair amount;\n\xe2\x80\xa2 \x07Wholesale market value less salvage and depreciation;\n\xe2\x80\xa2 \x07The rental agencies purchase invoice less salvage and depreciation;\n\xe2\x80\xa2 \x07The contractual liability assumed by you or an authorized driver of the rental\nvehicle; or\n\xe2\x80\xa2 \x07The actual cash value.\nIn addition, coverage is limited to $500 per incident for the reasonable loss of\nuse charges imposed by the vehicle rental company for the period of time the\nrental vehicle is out of service. We will not pay for or duplicate the collision/\ndamage waiver coverage offered by the rental agency.\nH. What is NOT covered:\nThis coverage does not apply to:\n\xe2\x80\xa2 \x07Any personal item actually or allegedly stolen from the interior or exterior\nof rental vehicles.\n\xe2\x80\xa2 \x07Vehicle keys or portable Global Positioning Systems (GPS).\n\xe2\x80\xa2 \x07Vehicles not rented by the cardholder or authorized user on the covered card.\n\xe2\x80\xa2 \x07Any person not designated in the rental agreement as an authorized driver.\n\xe2\x80\xa2 \x07Any obligations you assume other than what is specifically covered under the\nrental agreement or your personal vehicle liability insurance policy or other\nindemnity policy.\n\xe2\x80\xa2 \x07Any actual or alleged violation of the written terms and conditions of the\nrental agreement.\n\xe2\x80\xa2 \x07Any actual or alleged loss that occurs while driving under the influence of\ndrugs or alcohol.\n\xe2\x80\xa2 \x07Any actual or alleged loss associated with racing or reckless driving.\n\xe2\x80\xa2 \x07Any actual or alleged losses involving the theft of the rental vehicle when\nyou or an authorized driver cannot produce the keys to the rental vehicle\nat the time of reporting the incident to the police and/or rental agency, as a\nresult of negligence. Loss of keys is considered negligence.\n\xe2\x80\xa2M\n\x07 echanical failures caused by wear and tear, gradual deterioration, or\nmechanical breakdown.\n\xe2\x80\xa2 S\x07 ubsequent damages resulting from a failure to protect the rental vehicle\nfrom further damage.\n\xe2\x80\xa2B\n\x07 lowouts or tire/rim damage unless caused by theft, vandalism or\nvehicle collision.\n\xe2\x80\xa2R\n\x07 ental vehicles where collision/damage waiver coverage (or similar\ncoverage) was accepted/purchased by you.\n\xe2\x80\xa2 \x07Any damage that is of an intentional or non-accidental nature, caused by you\nor an authorized driver of the rental vehicle.\n\xe2\x80\xa2D\n\x07 epreciation, diminishment of value, administrative, storage, or other fees\ncharged by the vehicle rental company.\n\xe2\x80\xa2 \x07Vehicles with a rental agreement that exceeds or is intended to exceed a\nrental period of thirty-one (31) consecutive days from a rental agency.\n\xe2\x80\xa2 L\x07 osses resulting from any kind of alleged or actual illegal activity.\n\xe2\x80\xa2D\n\x07 amage sustained on any road not regularly maintained by a municipal,\nstate, or federal entity.\n\xe2\x80\xa2 L\x07 osses as a result of war or hostilities of any kind (including, but not limited\nto, any actual or alleged invasion, terrorism, rebellion, insurrection, riot, or civil\nGuide to Benefits\n\n4\n\n\x0ccommotion); confiscation or damage by any government, public authority, or\ncustoms official; risks of contraband; illegal activity or acts.\n\xe2\x80\xa2 \x07Any loss involving the rental vehicle being used for hire, for commercial use,\nor as a public or livery conveyance.\n\xe2\x80\xa2 \x07Theft of, or damage to, unlocked or unsecured vehicles.\n\xe2\x80\xa2 \x07Value-added tax, or similar tax, unless reimbursement of such tax is required\nby law.\n\xe2\x80\xa2 \x07Vehicles rented on a monthly basis.\n\xe2\x80\xa2 L\x07 oss arising from any items not installed by the original manufacturer.\n\xe2\x80\xa2 L\x07 oss arising from any inherent damage.\n\xe2\x80\xa2D\n\x07 amage to windshields which is not the result of a collision or\nroll-over (damage to a windshield is covered if such damage is due\nto road debris or road hazard).\n\xe2\x80\xa2 \x07Vehicle leases or mini-leases.\n\xe2\x80\xa2 I\x07ndirect or direct damages resulting from a covered claim.\n\xe2\x80\xa2C\n\x07 harges for gasoline or airport fees.\nI. How to file a claim:\n\xe2\x80\xa2C\n\x07 all 1-800-Mastercard or go to www.mycardbenefits.com to initiate\na claim. You must report the claim within sixty (60) days of the loss or the\nclaim may not be honored.\n\xe2\x80\xa2 \x07You may choose to assign your benefits under this insurance program to the\nrental agency from which you rented your vehicle. Please contact us or our\nadministrator for further details.\n\xe2\x80\xa2 \x07You must submit the following proof of claim documentation\nwithin one hundred and eighty (180) days of the incident or the\nclaim will not be covered:\n- Receipt showing the vehicle rental charge.\n- Statement showing the vehicle rental charge.\n- The rental agreement (front and back).\n- Copy of your valid driver\xe2\x80\x99s license (front and back).\n- Copy of the declarations page of any personal vehicle liability insurance\npolicy and/or other valid insurance or coverage.\n- Police report when the vehicle is stolen, vandalized (regardless of the\ndamage), or involved in a collision that requires the vehicle; to be towed,\nin a multi-vehicle collision, or the vehicle is not drivable.\n- Itemized repair estimate from a factory registered collision repair facility.\n- Copy of any vehicle rental company promotion/discount, if applicable.\n- Copy of the vehicle rental location class specific fleet utilization log, if loss of\nuse charges are being claimed.You must secure this log from the rental agency.\n- Any other documentation that may be reasonably requested by us or our\nadministrator to validate a claim.\n\nLost or Damaged Luggage\n\nEvidence of Coverage\nRefer to Key Terms for the definitions of you, your, we, us, our, and words that\nappear in bold and Legal Disclosures.\nA. To get coverage:\nYou must pay the entire cost of the common carrier ticket(s) with your\ncovered card and/or accumulated points from your covered card.\nB. The kind of coverage you receive:\n\xe2\x80\xa2R\n\x07 eimbursement for the actual cost of repairing or replacing your\nchecked or carry-on luggage and personal property contained therein that\nis lost or damaged.\n\xe2\x80\xa2C\n\x07 overage begins when the luggage is checked in or carried on to the\ncommon carrier by you. This includes curbside check in with facility\ndesignated personnel.\n\xe2\x80\xa2 \x07Coverage ends each time you regain possession of the checked luggage from,\nor carry the luggage off of the common carrier or twenty-four (24) hours after\nyou depart from the common carrier, whichever comes first.\n5\n\nDiners Club Card Elite\n\n\x0c\xe2\x80\xa2C\n\x07 overage is secondary to any other applicable insurance or coverage\navailable to you including benefits provided by the common carrier\n(including, but not limited to, goodwill payments, refunds, credit/vouchers).\nCoverage is limited to only those amounts not covered by any other\ninsurance or coverage, or common carrier benefits (including, but not limited\nto, goodwill payments, refunds, credit/vouchers).\nC. Coverage limitations:\nCoverage is limited to the actual cost, up to $3,000 per incident of repairing or\nreplacing your checked and/or carry-on luggage and any personal property contained\nwithin.There is a maximum of two (2) claim(s) per twelve (12) month period.\nD. Where you are covered:\nCoverage applies worldwide.\nE. What is NOT covered:\n\xe2\x80\xa2 L\x07 oss or damage of luggage or personal property for regularly scheduled\nshort-distance travel under one hundred (100) miles.\n\xe2\x80\xa2 L\x07 oss or damage resulting from any dishonest, fraudulent, or criminal act\ncommitted or arranged by you.\n\xe2\x80\xa2 L\x07 oss resulting from war or hostilities of any kind (including, but not limited\nto, invasion, terrorism, rebellion, insurrection, riot, or civil commotion);\nconfiscation, expropriation or detention by any government, public authority,\nor customs official; illegal activity or acts.\n\xe2\x80\xa2 L\x07 oss resulting from contamination by radioactive or hazardous substances,\nincluding mold.\n\xe2\x80\xa2 S\x07 porting equipment or musical instruments, unless checked in as luggage\nwith the common carrier and for which a claim check has been issued.\n\xe2\x80\xa2 E\x07 lectronic equipment (including, but not limited to, laptops, PDAs, video/film\ncameras, or hearing aids).\n\xe2\x80\xa2 E\x07 yeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, household\nfurniture, or documents (including, but not limited to, visas and IDs).\n\xe2\x80\xa2P\n\x07 lants, shrubs, animals, consumables, and perishables.\n\xe2\x80\xa2T\n\x07 raveler\xe2\x80\x99s checks, tickets of any kind (e.g., for airlines, sporting events,\nconcerts, or lottery), negotiable instruments, bullion, rare or precious metals,\nstamps, and coins, currency or its equivalent.\n\xe2\x80\xa2 J\x07ewelry, art, used or antique items; collectibles of any kind (such as items\ndesigned for people to collect or items that over time become collectibles);\nrecycled, previously owned, refurbished, rebuilt, or remanufactured items.\n\xe2\x80\xa2D\n\x07 efective material or workmanship, ordinary wear and tear or normal\ndeterioration.\n\xe2\x80\xa2 L\x07 oss or damage not reported within the time period required, as stipulated\nin the claim procedure.\n\xe2\x80\xa2 L\x07 oss or damage where the common carrier completely denies a claim\nfor checked and/or carry-on luggage.\n\xe2\x80\xa2 I\x07tems excluded under the common carrier\xe2\x80\x99s coverage\n(except carry-on luggage).\n\xe2\x80\xa2 L\x07 oss or damage where the common carrier pays the claim in full or repairs\nthe damage.\n\xe2\x80\xa2 I\x07nterest or conversion fees that are charged to your covered card by\nthe financial institution.\nF. How to file a claim:\n\xe2\x80\xa2V\n\x07 isit www.mycardbenefits.com or call 1-800-Mastercard to open a\nclaim. You must report the claim within sixty (60) days of the incident or the\nclaim may not be honored.\n\xe2\x80\xa2R\n\x07 eport within twenty-four (24) hours any loss or damage to the\ncommon carrier.\n\xe2\x80\xa2 S\x07 ubmit the following documentation within one hundred and eighty (180)\ndays of the date of incident or the claim may not be honored:\n- Receipt showing the purchase of common carrier tickets.\n- Statement showing the purchase of common carrier tickets.\n- Copy of initial claim report submitted to the common carrier.\nGuide to Benefits\n\n6\n\n\x0c- Covered card travel point program statement showing the common\ncarrier ticket was paid for with redeemed points.\n- Report from police, if applicable.\n- The result of any settlement by the common carrier.\n- Receipts showing that your luggage or personal property has actually\nbeen repaired or replaced.\n- Any other documentation that may be reasonably requested by us or our\nadministrator to validate a claim.\n\nPurchase Assurance\n\nVarious provisions in this document restrict coverage. Read carefully to determine\nall rights and duties and what is and is not covered. Please see the \xe2\x80\x98Key Terms\xe2\x80\x99\nsection for the terms used throughout this benefit.\nEvidence of Coverage\nPursuant to the below terms and conditions, when an item you bought with\nyour covered card is damaged or stolen within ninety (90) days of purchase,\nyou may be eligible for benefits under this coverage.\nA. To get coverage:\nYou must purchase the new item entirely with your covered card and/or\naccumulated points from your covered card for yourself or to give as a gift.\nB. The kind of coverage you receive:\n\xe2\x80\xa2M\n\x07 ost items you purchase entirely with your covered card are covered\nif damaged or stolen for ninety (90) days from the date of purchase as\nindicated on your covered card\xe2\x80\x99s receipt.\n\xe2\x80\xa2 \x07Items you purchase with your covered card and give as gifts also are covered.\n\xe2\x80\xa2 \x07This coverage is secondary to any other applicable insurance or coverage\navailable to you or the gift recipient. Coverage is limited to only those\namounts not covered by any other insurance or coverage benefit.\nC. Coverage limitations:\n\xe2\x80\xa2C\n\x07 overage is limited to the lesser of the following:\n- The actual cost of the item (excluding delivery and transportation costs).\n- \x07A maximum of $1,000 per loss and a total of $25,000 per cardholder\naccount per twelve (12) month period.\n\xe2\x80\xa2P\n\x07 urchases that are made up of a pair or set will be limited to the cost of\nrepair or replacement of the specific item stolen or damaged. If the specific\nitem cannot be replaced individually or repaired, the value of the pair or set\nwill be covered not to exceed the limits above.\n\xe2\x80\xa2C\n\x07 overage for actual or alleged stolen or damaged jewelry or fine art will be\nlimited to the actual purchase price as listed on your cardholder statement,\nregardless of sentimental or appreciated market value.\n\xe2\x80\xa2 \x07We shall not be deemed to provide coverage and we shall not be liable to pay\nany claim or provide any benefit under the group policy to the extent that the\nprovision of such coverage, payment of such claim or provision of such benefit\nwould expose us, our parent company or its ultimate controlling entity to any\nsanction, prohibition or restriction under United Nations resolutions or the\ntrade or economic sanctions, laws or regulations of the European Union or the\nUnited States of America. Wherever coverage provided by this policy would be in\nviolation of any economic or trade sanctions, such coverage shall be null and void.\nD. What is NOT covered:\nThis coverage does not apply to:\n\xe2\x80\xa2 I\x07tems left in public sight, out of arm\xe2\x80\x99s reach, lacking care, custody or control\nby the cardholder.\n\xe2\x80\xa2 L\x07 ost items, and items that mysteriously disappear (the only proof of loss is\nunexplained or there is no physical evidence to show what happened to the\nitem) without any evidence of a wrongful act.\n\xe2\x80\xa2 \x07Items that are actually or allegedly stolen from any location or place (including,\nbut not limited to, exercise facilities, places of employment, schools, or places of\nworship) due to the lack of due diligence by you or another party.\n7\n\nDiners Club Card Elite\n\n\x0c\xe2\x80\xa2 \x07Items lost, stolen, damaged, or mis-delivered while under the care, custody,\nand control of another party or common carrier (including, but not limited to,\nairlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).\n\xe2\x80\xa2 \x07Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.\n\xe2\x80\xa2 L\x07 osses resulting from any dishonest, fraudulent, or criminal act committed or\narranged by you.\n\xe2\x80\xa2 L\x07 osses that cannot be verified or substantiated.\n\xe2\x80\xa2 I\x07tems covered by a manufacturer\xe2\x80\x99s recall or class action suit.\n\xe2\x80\xa2 I\x07tems that you damage through alteration (including, but not limited to,\ncutting, sawing, shaping).\n\xe2\x80\xa2U\n\x07 sed or antique items; collectibles of any kind (such as items designed for\npeople to collect or items that over time become collectibles); recycled,\npreviously owned, refurbished, rebuilt, or remanufactured items.\n\xe2\x80\xa2 S\x07 tolen items without a documented report from law enforcement.\n\xe2\x80\xa2 I\x07tems that are damaged during transport via any mode.\n\xe2\x80\xa2 I\x07tems stolen from the interior or exterior of a watercraft/boat, aircraft,\nmotorcycle, automobile or any other motor vehicles.\n\xe2\x80\xa2 \x07Motorized vehicles, including, but not limited to, automobiles, watercraft/boats,\naircraft, and motorcycles, or their motors, equipment, or accessories. Motorized\nequipment not designed for transportation and used solely for the upkeep and\nmaintenance of a residence is eligible for coverage (including, but not limited to,\nsnow thrower, lawn mowers, and hedge trimmers).\n\xe2\x80\xa2 L\x07 and, any buildings (including, but not limited to, homes and dwellings),\npermanently installed items, fixtures, or structures.\n\xe2\x80\xa2 \x07Traveler\xe2\x80\x99s checks, tickets of any kind (e.g., for airlines, sporting events,\nconcerts, or lottery), negotiable instruments, bullion, rare or precious metals,\nstamps, and coins, currency or its equivalent.\n\xe2\x80\xa2 L\x07 osses caused by insects, animals, or pets.\n\xe2\x80\xa2P\n\x07 lants, shrubs, animals, pets, consumables, and perishables.\n\xe2\x80\xa2 I\x07tems purchased for resale, rental, professional, or commercial use.\n\xe2\x80\xa2P\n\x07 rofessional services (including, but not limited to, the performance or\nrendering of labor or maintenance; repair or installation of products, goods,\nor property; professional advice of any kind, including, but not limited to,\ninformation/services or advice secured from any help or support line; or\ntechnical support for software, hardware, or any other peripherals).\n\xe2\x80\xa2 \x07Application programs, computer programs, operating software,\nand other software.\n\xe2\x80\xa2 L\x07 osses resulting from war or hostilities of any kind (including, but not limited\nto, invasion, terrorism, rebellion, insurrection, riot, or civil commotion);\nconfiscation or damage by any government, public authority, or customs\nofficial; risks of contraband; illegal activity or acts.\n\xe2\x80\xa2 L\x07 osses caused by power surge, contamination by radioactive or hazardous\nsubstances, including mold.\n\xe2\x80\xa2D\n\x07 irect or indirect loss resulting from any Acts of God (including, but not\nlimited to, flood, hurricane, lightning, and earthquake).\n\xe2\x80\xa2 \x07Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.\n\xe2\x80\xa2G\n\x07 ame animals, pets, or specimens preserved for display (e.g., fish, birds,\nreptiles, or mammals).\n\xe2\x80\xa2 \x07Items actually or allegedly stolen or damaged at a new home construction site.\n\xe2\x80\xa2 \x07Rented, leased, or borrowed items for which you will be held responsible.\n\xe2\x80\xa2 \x07Trip, service, or diagnostic charges in the absence of any covered repairs or\nverified failure.\n\xe2\x80\xa2 \x07Any shipping charges, transportation and delivery charges, or promised\ntime frames for delivery, whether or not stated or covered by the\nmanufacturer\xe2\x80\x99s warranty.\n\xe2\x80\xa2 I\x07nterest or conversion fees that are charged to you on the covered card by\nthe corresponding financial institution.\nE. How to file a claim:\n\xe2\x80\xa2C\n\x07 all 1-800-Mastercard or go to www.mycardbenefits.com to initiate\na claim. You must report the claim within sixty (60) days of the loss or the\nclaim may not be honored.\nGuide to Benefits\n\n8\n\n\x0c\xe2\x80\xa2 \x07You must submit the following documentation within one hundred and\neighty (180) days of the date you report the claim:\n- Repair estimate for damaged item(s).\n- \x07Photograph clearly showing damage, if applicable.\n- \x07Receipt showing purchase of covered item(s).\n- \x07Statement showing purchase of covered item(s).\n- \x07Report from police listing any items stolen.\n- \x07Copy of the declarations page of any applicable insurance policy(ies) or\nprotection (including, but not limited to, homeowner\xe2\x80\x99s, renter\xe2\x80\x99s, or auto\ninsurance policy(ies)).\n- \x07Any other documentation that may be reasonably requested by us or our\nadministrator to validate a claim.\nLegal Disclosure\nPlease see the \xe2\x80\x98Legal Disclosure\xe2\x80\x99 section for all disclosures for this benefit.\n\nExtended Warranty\n\nEvidence of Coverage\nRefer to Key Terms for the definitions of you, your, we, us, our, and words that\nappear in bold and Legal Disclosures.\nA. To get coverage:\n\xe2\x80\xa2 \x07You must purchase the new item entirely with your covered card and/or\naccumulated points from your covered card for yourself or to give as a gift.\n\xe2\x80\xa2 \x07The item must have an original manufacturer\xe2\x80\x99s (or U.S. store brand)\nwarranty of twenty-four (24) months or less.\nB. The kind of coverage you receive:\n\xe2\x80\xa2 \x07Extended warranty doubles the original manufacturer\xe2\x80\x99s warranty up to a\nmaximum of twenty-four (24) months on most items you purchase. For products\nwith multiple warranty components, each warranty time period will be extended\nup to a maximum of twenty-four (24) months. An example of a product with\nmultiple warranty components includes an appliance with original manufacturer\xe2\x80\x99s\n(or U.S. store brand) warranties that differ for parts, labor, compressor, etc.\n\xe2\x80\xa2 \x07If you purchase a service contract or an optional extended warranty of\ntwenty-four (24) months or less on your item, we will cover up to an\nadditional twenty-four (24) months after both the original manufacturer\xe2\x80\x99s (or\nU.S. store brand) warranty and the purchased service contract or extended\nwarranty coverage period end. If your service contract or extended warranty\nexceeds twenty-four (24) months, this coverage does not apply.\n\xe2\x80\xa2 I\x07f you do not have an additional service contract or an optional extended\nwarranty, this extended warranty benefit commences the day after your\noriginal manufacturer\xe2\x80\x99s (or U.S. store brand) warranty expires.\nC. Coverage limitations:\n\xe2\x80\xa2 \x07The maximum benefit for repair or replacement shall not exceed the actual\namount charged on your covered card or $10,000, whichever is less.\n\xe2\x80\xa2 \x07If either the original manufacturer\xe2\x80\x99s (or U.S. store brand) warranty or the service\ncontract covers more than twenty-four (24) months, this benefit will not apply.\n\xe2\x80\xa2 \x07We or our administrator will decide if a covered failure will be repaired or\nreplaced, or whether you will be reimbursed up to the amount paid for the\nitem. Items will be replaced with those of like kind and quality. However, we\ncannot guarantee to match exact color, material, brand, size, or model.\nD. What is NOT covered:\n\xe2\x80\xa2 \x07Used or antique items; collectibles of any kind (such as items designed for\npeople to collect or items that over time become collectibles) that do not\ncome with a manufacturer\xe2\x80\x99s warranty (repair or replacement amount will not\ninclude market value at time of claim); recycled, previously owned, refurbished,\nrebuilt, or remanufactured items; product guarantees (e.g., glass breakage).\n\xe2\x80\xa2 F\x07 loor models that do not come with an original manufacturer\xe2\x80\x99s warranty.\n\n9\n\nDiners Club Card Elite\n\n\x0c\xe2\x80\xa2M\n\x07 otorized vehicles, including, but not limited to, automobiles, watercraft/\nboats, aircraft, and motorcycles, or their motors, equipment, or accessories.\nParts, if purchased separately, may be covered.\n\xe2\x80\xa2 L\x07 and, any buildings (including, but not limited to, homes and dwellings),\npermanently installed items, fixtures, or structures.\n\xe2\x80\xa2P\n\x07 lants, shrubs, animals, pets, consumables, and perishables.\n\xe2\x80\xa2 \x07Professional services (including, but not limited to, the performance or\nrendering of labor or maintenance; repair or installation of products, goods\nor property; professional advice of any kind, including, but not limited to,\ninformation/services or advice secured from any help or support line; or\ntechnical support for software, hardware, or any other peripherals).\n\xe2\x80\xa2 \x07Application programs, operating software, and other software.\n\xe2\x80\xa2 \x07All types of media with stored data or music (including, but not limited to,\ncomputer software, DVDs, video cassettes, CDs, film and audio cassettes).\n\xe2\x80\xa2 \x07Any shipping charges, transportation and delivery charges, or promised time frames\nfor delivery, whether or not stated or covered by the manufacturer\xe2\x80\x99s warranty.\n\xe2\x80\xa2D\n\x07 irect or indirect loss resulting from any Acts of God (including, but not\nlimited to, flood, hurricane, lightning, and earthquake).\n\xe2\x80\xa2 I\x07ndirect or direct damages resulting from a covered loss.\n\xe2\x80\xa2M\n\x07 echanical failure arising from product recalls.\n\xe2\x80\xa2 \x07Trip, service, or diagnostic charges in the absence of any covered repairs or\nverified failure.\n\xe2\x80\xa2 L\x07 oss resulting from war or hostilities of any kind (including, but not limited\nto, invasion, terrorism, rebellion, insurrection, riot, or civil commotion);\nconfiscation or damage by any government, public authority, or customs\nofficial; risks of contraband, illegal activity, or acts.\n\xe2\x80\xa2M\n\x07 echanical failures caused by normal wear and tear or gradual deterioration\nwhere no failure has occurred.\n\xe2\x80\xa2 I\x07tems purchased for resale, professional, or commercial use.\n\xe2\x80\xa2M\n\x07 echanical failures caused by lack of maintenance/service.\n\xe2\x80\xa2 L\x07 osses caused by power surge, contamination by radioactive or hazardous\nsubstances, including mold.\n\xe2\x80\xa2P\n\x07 hysical damage to the item.\n\xe2\x80\xa2 \x07Any exclusion listed in the original manufacturer\xe2\x80\x99s warranty.\nE. How to file a claim:\n\xe2\x80\xa2 \x07Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim.\nYou must report the claim within sixty (60) days of the failure or the claim\nmay not be honored.\n\xe2\x80\xa2 S\x07 ubmit the following documentation within one hundred and eighty (180)\ndays from the date of failure or the claim may not be honored:\n- \x07Receipt showing covered item(s).\n- Statement showing covered item(s).\n- Itemized purchase receipt(s).\n- Original manufacturer\xe2\x80\x99s (or U.S. store brand) warranty.\n- Service contract or optional extended warranty, if applicable.\n- Itemized repair estimate from a factory authorized service provider.\n- \x07Any other documentation that may be reasonably requested by us or our\nadministrator to validate a claim.\n\nMastercard ID Theft Protection\xe2\x84\xa2\n\nProgram Description:\nMastercard ID Theft Protection (IDT) provides you with access to a number\nof identity theft resolution services, should you believe you are a victim of\nidentity theft. This product offering will alert you about possible identity theft\nby monitoring the surface, dark and deep web, searching for compromised\ncredentials and potentially damaging use of your registered personal\ninformation in order to detect fraud at its inception.\n\nGuide to Benefits\n\n10\n\n\x0cEligibility:\nAll Mastercard consumer credit cardholders in the US are eligible for\nthis coverage.\nAccess:\nSimply contact 1-800-Mastercard if you believe you have been a victim\nof identity theft.\nServices provided:\nServices provided are on a 24-hour basis, 365 days a year. In order\nto receive the following services, you must enroll at\nhttps://mastercardus.idprotectiononline.com/. The services include:\n\xe2\x80\xa2O\n\x07 nline Monitoring Dashboard (requires activation): The online\nmonitoring dashboard is the primary user interface for cardholders. It\nserves as a repository of all the personally identifiable information (PII) data\nthe cardholder wants to monitor, tracks and displays cardholders\xe2\x80\x99 risk score,\nand provides access to identity protection tips. It is also the platform for\ncardholders to respond to identity monitoring alerts.\n\xe2\x80\xa2 \x07Monthly Risk Alert/Newsletter: Cardholders will receive a monthly\nnewsletter with information on the cardholder\xe2\x80\x99s risk score, and articles\npertaining to good identity protection practices.\n\xe2\x80\xa2 \x07Identity Monitoring: IDT searches the internet to detect compromised\ncredentials and potentially damaging use of your personal information, and\nalerts you via email so that you can take immediate action. This platform\nutilizes automated monitoring and human threat intelligence from cyber\noperations agents monitoring threat actors and their tactics on the dark\nand deep web where personal data is bought and sold. Data elements that\ncan be monitored are:\n- Email addresses\n- Debit/credit cards/prepaid cards\n- Bank accounts\n- Web logins; username and password\n- Medical insurance cards\n- Drivers\xe2\x80\x99 license\n- Loyalty cards\n- Affinity cards\n- Passport number\n- Vehicle insurance cards\n- Social Security number\nTo take advantage of this service, the cardholder must enter the personal\ninformation they wish to monitor on the dashboard.\n\xe2\x80\xa2 \x07Resolution Services: You will have access to a team of identity theft\nresolution specialists, available 24 hours a day, 365 days a year to help\nresolve your identity theft incident and prevent further damage. The\nresolution specialists are native speakers of English, French and Spanish, and\nare based out of Bethesda, Maryland. Cardholders are given the option to\nsign limited power of attorney (LPOA) to the specialist, to allow them to\nconduct resolution activities on the cardholders\xe2\x80\x99 behalf, including contacting\npolice, credit agencies, and other authorities, translating information, and\nclosing and replacing breached accounts.\n\xe2\x80\xa2 \x07Lost Wallet Assistance: Cardholders will be provided assistance with notifying\nthe appropriate issuing authorities to cancel and replace stolen or missing items,\nsuch as their debit/credit cards, driver\xe2\x80\x99s license, Social Security card, and passport.\n\xe2\x80\xa2 \x07Single Bureau Credit Monitoring: Cardholders\xe2\x80\x99TransUnion credit file will be\nmonitored for changes that could indicate fraud such as new credit inquiries, an\naddress change or new credit account(s) opened in their name. An alert notification\nvia email will be sent anytime a hard inquiry is made on the cardholders\xe2\x80\x99TransUnion\ncredit file so they can take immediate action to minimize damage.\nTo take advantage of this service, the cardholder must enter their Social\nSecurity number on the dashboard and pass credit authentication.\n\n11\n\nDiners Club Card Elite\n\n\x0c\xe2\x80\xa2 \x07Financial Account Takeover: IDT monitors cardholder\xe2\x80\x99s high-risk\ntransactions with more than 300 of the nation\xe2\x80\x99s largest companies to uncover\nand thwart account takeover attempts. Monitored transactions include:\n- Debit/credit cards/prepaid cards\n- Bank accounts\n- Brokerage accounts\n- Healthcare portals\n- Workplace intranets\n- Other services (e.g., peer-to-peer fund transfers)\n\t\x07To take advantage of this service, the cardholder must enter the accounts\nthey wish to protect on the dashboard.\n\xe2\x80\xa2U\n\x07 RL and Domain Monitoring: URL and domain monitoring allows\ncardholder to enter up to 10 domain or URL names related to cardholder\xe2\x80\x99s\nbusiness. This service will monitor the domain and URL names for any\ncompromised email addresses associated with the domain or URL names and\nif compromised email addresses are found in a data breach, this service will\nalert the registered cardholder via email and provide information regarding the\nspecific email address that was breached along with information about the date\nfound and source (provided that this information is available).\nFor more information regarding the services stated above and additional\ninformation, please visit https://mastercardus.idprotectiononline.com.\nCharges:\nThere is no charge for these services, they are provided by your\nfinancial institution.\nServices not provided:\n\xe2\x80\xa2 \x07When it is determined you have committed any dishonest, criminal,\nmalicious or fraudulent act.\n\xe2\x80\xa2 \x07When your financial institution or card issuer which provides this\nservice, has investigated the event and deemed you are responsible\nfor the charge or event.\n\xe2\x80\xa2 \x07When any theft or unauthorized use of an account by a person to whom\nthe account has been entrusted has been committed.\nProgram Provisions for Mastercard ID Theft Protection:\nThis service applies only to you, the named Mastercard cardholder. You shall use\ndue diligence and do all things reasonable to avoid or diminish any loss or damage\nto property protected by the program. The provider, Generali Global Assistance,\nrelies on the truth of statement made in the affidavit or declaration from each\ncardholder. This service is provided to eligible Mastercard cardholders at no\nadditional cost and is in effect for acts occurring while the program is in effect.\nThe terms and conditions contained in this program Guide may be modified by\nsubsequent endorsements. Modifications to the terms and conditions may be\nprovided via additional Guide mailings, statement inserts, or statement messages.\nMastercard or your financial institution can cancel or non-renew these services,\nand if we do, we will notify you at least thirty (30) days in advance. If the provider\nnon-renews or cancels any services provided to eligible Mastercard cardholders,\nyou will be notified within 30\xe2\x80\x93120 days before the expiration of the service\nagreement. In the event substantially similar coverage takes effect without\ninterruption, no such notice is necessary. For general questions regarding these\nservices, please contact 1-800-Mastercard.\n\nTravel Assistance Services\n\nRely on Travel Assistance Services when you\xe2\x80\x99re away from home.\nTravel Assistance Services is your guide to many important services you\nmay need when traveling. Benefits are designed to assist you or your travel\ncompanions when you\xe2\x80\x99re traveling 50 miles or more from home.* This is\nreassuring, especially when visiting a place for the first time or not speaking\nthe language. For services, call 1-800-Mastercard. Enrollment is automatic and\n\nGuide to Benefits\n\n12\n\n\x0cthe assistance service is free to cardholders. Please keep in mind that you will\nbe responsible for the fees incurred for professional or emergency services\nrequested of Travel Assistance Services (e.g., medical or legal bills).\n* \x07Travel Assistance Services are available worldwide, with the exception of\nthose countries and territories which may be involved in an international\nor internal conflict, or in those countries and territories where the existing\ninfrastructure is deemed inadequate to guarantee service. You may contact\nus prior to embarking on a covered trip to confirm whether or not services\nare available at your destination(s).\nMasterTrip\xc2\xae Travel Assistance:\nBefore you begin your trip, MasterTrip provides information on travel\nrequirements including documentation (e.g., visas, passports), immunizations or\ncurrency exchange rates.The exchange rate provided may differ from the exact\nrate that issuers use for transactions on your card. Information on exchange rates\nfor items billed on your statement should be obtained from the financial institution\nthat issued your card. MasterTrip will also help you locate any lost or stolen travel\nmaterials, including luggage.This is not an insurance policy for lost/stolen luggage\nand we do not reimburse you for a permanent loss.\nIf you have a travel emergency and need cash, MasterTrip can arrange to transfer\nup to $5,000 from a family member, friend, or business account.\nThis service does not provide maps or information regarding road conditions.\nTravel Services Medical Assistance:\nProvides a global referral network of general physicians, dentists, hospitals and\npharmacies. We can also help you refill prescriptions with local pharmacists\n(subject to local laws).\nIn the event of emergencies, a stateside physician or nurse can be contacted\nfor consultation with the local medical staff and to monitor your condition. If\nyou are hospitalized, we can arrange to have messages relayed home, transfer\nyou to another facility if medically necessary, or have a family member or close\nfriend brought to your bedside if you have been traveling alone (at cardholder\xe2\x80\x99s\nexpense). If a tragedy occurs, we\xe2\x80\x99ll assist in securing travel arrangements for you\nand your travel companion(s).\nMasterLegal\xc2\xae Referral Service:\nThis service provides you with English-speaking legal referrals or consults with\nappropriate embassies and consulates regarding your situation.\nThis service will assist in transfers up to $5,000 in cash from a family member,\nfriend or business to cover legal fees or to post bail.There is no charge for referral\nservices; however, legal and bail fees are your responsibility.\nMaster RoadAssist\xc2\xae Roadside Service:\n(Available only when traveling in the 50 United States and the District\nof Columbia)\nIf your car breaks down on the road, just call 1-800-Mastercard and tell us\nwhere you are. We\xe2\x80\x99ll send someone to the rescue. This is not only reassuring,\nbut it may also save you money because fees for many services (e.g., jumpstarts,\ntowing, gas delivery, and tire changes) are pre-negotiated. Road service fees will\nbe automatically billed to your Mastercard account.\nYou are responsible for emergency road service charges incurred by towing\nfacilities responding to your dispatch, even if you are not with your vehicle (or it\xe2\x80\x99s\ngone) when the tow truck arrives. Mastercard International is not responsible or\nliable for the service the towing facility provides. Towing facilities are independent\ncontractors, solely liable for their services.\nEmergency road service is not available in areas not regularly traveled, in \xe2\x80\x9coff\nroad\xe2\x80\x9d areas not accessible by ordinary towing vehicles, or for over one-ton\ncapacity trailers, campers or if you have a rental car, be sure to call the rental car\nagency before you call 1-800-Mastercard, as many rental agencies have special\nprocedures regarding emergency road service assistance.\n\n13\n\nDiners Club Card Elite\n\n\x0cMastercard Travel & Lifestyle Services\n\nAs a World or World Elite Mastercard\xc2\xae cardholder, you have access to\nMastercard\xc2\xae Travel & Lifestyle Services, a suite of benefits, amenities and upgrades,\npreferential treatment and premium travel offers from best-in-class travel\ncompanies across hotels, air travel, tours, cruises, car rentals and more*. Get the\nmost from all your travels whether you are planning a last-minute getaway or\nyour dream family vacation. As a Mastercard\xc2\xae cardholder, you have access to a\nlifestyle manager that will help you plan your vacation - complimentary, at your\nconvenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard\nLowest Hotel Rate Guarantee** and Mastercard Hotel Stay Guarantee*** which\ndeliver value and peace of mind.\n* \x07Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel\nbookings are being made by Mastercard, nor is Mastercard acting as a travel\nagency or providing any travel consultation or advice, in connection with\nMastercard Travel & Lifestyle Services.\n** M\n\x07 astercard Lowest Hotel Rate Guarantee: If you book a qualifying \xe2\x80\x98prepaid\nhotel rate\xe2\x80\x99 or \xe2\x80\x98pay at local hotel rate\xe2\x80\x99 hotel stay through the Mastercard Travel\n& Lifestyle Services program either online or through an authorized program\nagent using your Mastercard and then find the same hotel room type, in the\nsame hotel, for the same dates, the same number of children and adults, at\na lower price online, before taxes and fees, we\xe2\x80\x99ll refund you the difference.\nTo receive a refund you must submit a claim as described in the terms and\nconditions prior to your stay and at least seventy-two (72) hours before the\ndate of your reservation check-in.\n***\x07\x07Mastercard Hotel Stay Guarantee:The Mastercard Travel & Lifestyle Services\nHotel Stay Guarantee is simple \xe2\x80\x93 if you book your three star or higher hotel\nstay through the Mastercard Travel & Lifestyle Services program and you\nencounter problems with the hotel, contact Ten Lifestyle Group plc, the\ndesignated travel agent for the Mastercard Travel & Lifestyle Services program\nat toll free (US) 1-800-336-6420 during your stay and a Ten lifestyle manager\nwill attempt to make it right for the remainder of your stay by working directly\nwith the hotel to try to resolve your issue or will make efforts to find you\ncomparable accommodations.\nCertain terms, conditions and exclusions apply. Full details are available at\nwww.mastercard.com/world.\n\nMastercard Airport ConciergeTM\nYour passport to the finer side of air travel.\nEnjoy a 15% savings on Airport Meet and Greet services. Arrange for a\npersonal, dedicated Meet and Greet agent to escort you through the airport\non departure, arrival or any connecting flights at over 700 destinations\nworldwide 24 hours a day, 7 days a week, 365 days a year. There are also\ncertain airports where you can be expedited through the security and/or the\nimmigration process. To reserve Mastercard Airport Concierge services visit\nwww.mastercard.com/airportconcierge or consult your travel advisor.\n\nMastercard Global ServiceTM\n\nMastercard Global Service provides worldwide, 24-hour assistance with lost and\nstolen card reporting, emergency card replacement, and emergency cash advance.\nCall Mastercard Global Service immediately to report your card lost or stolen\nand to cancel the account. If you need to make purchases or arrange for a cash\nadvance, with your issuer\xe2\x80\x99s approval, you can receive a temporary card the next\nday in the United States, and within two business days almost everywhere else.\nRemember, if you report your card lost or stolen, you will not be responsible\nfor any unauthorized transactions on your account.\n\nGuide to Benefits\n\n14\n\n\x0cIn the United States (including all 50 states, the District of Columbia, the U.S.\nVirgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.\nWhen out-of-country and in need of assistance, you can easily reach a\nspecially trained Mastercard Global Service Representative who can help you\n24 hours a day, 365 days a year, in any language. You can call toll-free from\nover 80 countries worldwide. Some of the key toll-free Mastercard Global\nService telephone numbers are:\nAustralia\n\n1-800-120-113\n\nMexico\n\nAustria\n\n0800-070-6138\n\nNetherlands\n\n001-800-3077309\n0800-022-5821\n\nFrance\n\n0-800-90-1387\n\nPoland\n\n0-0800-111-1211\n\nGermany\n\n0800-071-3542\n\nPortugal\n\n800-8-11-272\n\nHungary\n\n06800-12517\n\n900-822-756\n\nIreland\n\n1-800-55-7378\n\nItaly\n\n800-870-866\n\nSpain\nUnited\nKingdom\nVirgin Islands\n\n0800-96-4767\n1-800-307-7309\n\nFor additional information, or for country-specific, toll-free telephone numbers\nnot listed above, visit our website at www.mastercard.com\nor call the United States collect at 1-636-722-7111.\nAccount Information and Card Benefits:\nWhen in the United States, contact your card issuer directly for account\ninformation and 1-800-Mastercard for card benefits. When traveling outside\nthe U.S., call Mastercard Global Service to access your card issuer for account\ninformation or to access any of your card benefits.\nATM Locations:\nCall 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM\nin the Mastercard ATM Network accepting Mastercard\xc2\xae, Maestro\xc2\xae, and Cirrus\xc2\xae\nbrands. Also, visit our website at www.mastercard.com to use our ATM locator.\nYou can get cash at over two million ATMs worldwide. To enable cash access, be\nsure you know your Personal Identification Number (PIN) before you travel\n\nWorldwide Automatic Travel\nAccident & Baggage Delay\n\nThe Plan:\nAs a Mastercard cardholder, you, your spouse or domestic partner and\nunmarried dependent children will be automatically insured against accidental\nloss of life, limb, sight, speech or hearing while riding as a passenger in, entering or\nexiting any licensed common carrier, provided the entire cost of the passenger\nfare(s), less redeemable certificates, vouchers or coupons, has been charged to\nyour Mastercard card account. If the entire cost of the passenger fare has been\ncharged to your Mastercard account prior to departure for the airport, terminal\nor station, coverage is also provided for common carrier travel (including taxi,\nbus, train or airport limousine); immediately, a) preceding your departure, directly\nto the airport, terminal or station b) while at the airport, terminal or station, and\nc) immediately following your arrival at the airport, terminal or station of your\ndestination. If the entire cost of the passenger fare has not been charged prior\nto your arrival at the airport, terminal or station, coverage begins at the time the\nentire cost of the travel passenger fare is charged to your Mastercard account.\nThis coverage does not include commutation. Commutation is defined as travel\nbetween the insured person\xe2\x80\x99s residence and regular place of employment.\nCommon carrier means any land, water or air conveyance operated by\nthose whose occupation or business is the transportation of persons without\ndiscrimination and for hire.\n15\n\nDiners Club Card Elite\n\n\x0cImportant Definitions:\nAccident or Accidental means a sudden, unforeseen and unexpected event\nhappening by chance.\nDependent child(ren) means those children, including adopted children\nand children placed for adoption, who are primarily dependent upon the\ninsured person for maintenance and support and who are: 1) under the age of\ntwenty-five (25) and reside with the insured person: or 2) beyond the age of\ntwenty-five (25), permanently mentally or physically challenged, and incapable\nof self support; or 3) under the age of twenty-five (25) and classified as a fulltime student at an institution of higher learning.\nDomestic partner means a person designated in writing by the primary insured\nperson, who is at least eighteen (18) years of age, and who during the past twelve\n(12) months: 1) has been in a committed relationship with the primary insured\nperson; and 2) has been the primary insured person\xe2\x80\x99s sole spousal equivalent;\nand 3) has resided in the same household as the primary insured person; and 4)\nbeen jointly responsible with the primary insured person for each other\xe2\x80\x99s financial\nobligation, and who intends to continue the relationship above indefinitely.\nThe Benefits:\nThe full benefit amount of $1,000,000 is payable for accidental loss of life, two\nor more members, sight of both eyes, speech and hearing or any combination\nthereof. One half of the benefit amount is payable for accidental loss of: one\nmember, sight of one eye, speech or hearing. \xe2\x80\x9cMember\xe2\x80\x9d means hand or foot.\nOne quarter of the benefit amount is payable for the accidental loss of the\nthumb and index finger of the same hand. \xe2\x80\x9cLoss\xe2\x80\x9d means, with respect to a hand,\ncomplete severance through or above the knuckle joints of at least 4 fingers on\nthe same hand; with respect to a foot, complete severance through or above\nthe ankle joint. The company will consider it a loss of hand or foot even if they\nare later reattached. \xe2\x80\x9cBenefit amount\xe2\x80\x9d means the loss amount applicable at the\ntime the entire cost of the passenger fare is charged to the eligible Mastercard\naccount. The loss must occur within one year of the accident. The company\nwill pay the single largest applicable benefit amount. In no event will duplicate\nrequest forms or multiple charge cards obligate the company in excess of the\nstated benefit amounts for any one loss sustained by any one individual insured\nas the result of any one accident. In the event of multiple accidental deaths per\naccount arising from any one accident, the company\xe2\x80\x99s liability for all such losses\nwill be subject to a maximum limit of insurance equal to three (3) times the\nbenefit amount for loss of life. Benefits will be proportionately divided among\nthe insured persons up to the maximum limit of insurance.\nBaggage Delay:\nWe will reimburse the insured person up to the daily benefit amount of $100 per\nday for three (3) days in the event of a baggage delay. Our payment is limited to\nexpenses incurred for the emergency purchase of essential items needed by the\ninsured person while on a covered trip and at a destination other than the insured\nperson\xe2\x80\x99s primary residence. Essential items not covered by baggage delay include,\nbut are not limited to: 1) contact lenses, eyeglasses or hearing aids; 2)artificial teeth,\ndental bridges or prosthetic devices; 3) tickets, documents, money, securities, checks,\ntravelers checks and valuable papers; or 4) business samples;The baggage delay\nbenefit amount is excess over any other insurance (including homeowners) or\nindemnity (including any reimbursements by the airline, cruise line, railroad, station\nauthority, occupancy provider) available to the Insured Person. Baggage delay\nmeans a delay or misdirection of the insured person\xe2\x80\x99s baggage by a common\ncarrier for more than four (4) hours from the time the insured person arrives at\nthe destination on the insured person\xe2\x80\x99s ticket.\nEligibility:\nThis travel insurance plan is provided to Mastercard cardholders automatically\nwhen the entire cost of the passenger fare(s) are charged to a Mastercard account\nwhile the insurance is effective. It is not necessary for you to notify your financial\ninstitution, the administrator or the company when tickets are purchased.\n\nGuide to Benefits\n\n16\n\n\x0cThe Cost:\nThis travel insurance plan is provided at no additional cost to eligible Mastercard\ncardholders.Your financial institution pays the premium for this insurance.\nBeneficiary:\nThe loss of life benefit will be paid to the beneficiary designated by the insured. If\nno such designation has been made, that benefit will be paid to the first surviving\nbeneficiary in the following order: a) the Insured\xe2\x80\x99s spouse, b) the Insured\xe2\x80\x99s children,\nc) the Insured\xe2\x80\x99s parents, d) the Insured\xe2\x80\x99s brothers and sisters, e) the Insured\xe2\x80\x99s\nestate. All other indemnities will be paid to the Insured.\nExclusions:\nThis insurance does not cover loss resulting from: 1) an Insured\xe2\x80\x99s emotional\ntrauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage,\nbacterial or viral infection (except bacterial infection caused by an accident or\nfrom accidental consumption of a substance contaminated by bacteria), or bodily\nmalfunctions; 2) suicide, attempted suicide or intentionally self inflicted injuries;\n3) declared or undeclared war, but war does not include acts of terrorism;This\ninsurance also does not apply to an accident occurring while an Insured is acting or\ntraining as a pilot or crew member, but this exclusion does not apply to passengers\nwho temporarily perform pilot or crew functions in a life threatening emergency.\nClaim Notice:\nWritten claim notice must be given to the company within 20 days after the\noccurrence of any loss covered by this policy or as soon as reasonably possible.\nFailure to give notice within 20 days will not invalidate or reduce any otherwise\nvalid claim if notice is given as soon as reasonably possible. Claim Forms: When\nthe company receives notice of a claim, the company will send you forms for\ngiving proof of loss to us within 15 days. If you do not receive the forms, you\nshould send the company a written description of the loss. Claim proof of loss:\nComplete proof of loss must be given to us within 90 days after the date of loss,\nor as soon as reasonably possible. Failure to give complete proof of loss within\nthese time frames will not invalidate any otherwise valid claim if notice is given as\nsoon as reasonably possible and in no event later than 1 year after the deadline\nto submit complete proof of loss. Claim payment: for all benefits, the company\nwill pay you or your beneficiary the applicable benefit amount within 60 days\nafter complete proof of loss is received and if you, the policyholder and/or the\nbeneficiary have complied with all the terms of this policy.\nHow to file a claim:\nTo file a claim please call 1-800-Mastercard. Claims are processed by the claim\nadministrator, Crawford and Company. Complete all items on the required\nclaim form, attach all appropriate documents, and mail or fax to: Crawford and\nCompany, P.O. Box 4090, Atlanta, GA 30302, Fax Number 855-830-3728. Once\na claim number is assigned, supporting documentation for the claim can also be\nsubmitted through Myclaimsagent.com.\nEffective Date:\nThis insurance is effective on the date that you become an eligible cardholder;\nand will cease on the date the Master Policy 6477-44-67 is terminated or on the\ndate your account ceases to be eligible, whichever occurs first.\nAs a handy reference guide, please read this and keep it in a safe place with your\nother insurance documents.This description of coverage is not a contract of\ninsurance but is simply an informative statement of the principal provisions of the\ninsurance while in effect. Complete provisions pertaining to this plan of Insurance\nare contained in the master policy on file with the policyholder: Financial\nCustomer Insurance Trust. If this plan does not conform to your state statutes, it\nwill be amended to comply with such laws. If a statement in this description of\ncoverage and any provision in the policy differ, the policy will govern.\n\n17\n\nDiners Club Card Elite\n\n\x0cAnswers to specific questions can be obtained by writing the Plan Administrator:\nDirect Marketing Group 13265 Bedford Avenue, Omaha, NE 68164\n\nPlan Underwritten By Federal Insurance Company a member insurer of the\nChubb Group of Insurance Companies 9931 South 136th Street, Suite 100,\nOmaha, NE 68138\n\nTrip Cancellation/Trip Interruption\n\nEvidence of Coverage\nRefer to Key Terms for the definitions of you, your, we, us, our, and words that\nappear in bold and Legal Disclosures.\nA. To get coverage:\nYou must purchase the trip entirely with your covered card for you, or your\nfamily member, and your traveling companions. If redeemable certificates,\nvouchers, coupons, or discounts awarded from frequent flier programs are\nused to purchase the trip, any remaining charge for the trip must be purchased\nentirely with your covered card.\nB. The kind of coverage you receive:\nTrip Cancellation\nWe will reimburse you for any incurred charge if you are required to cancel the\ntrip, prior to the trip departure date, due to a covered reason.You must cancel\nthe trip with your common carrier as soon as the covered reason arises.You\nmust also advise the administrator immediately, as we will not pay benefits for any\nadditional charges incurred that would not have been charged had you notified\nthe common carrier and the claim administrator as soon as reasonably possible.\nCovered reason is a sickness, injury, or death of you, your family member, or\nyour traveling companion, which results in medically imposed restrictions.\nTerm of Coverage:\nCoverage begins on the date the trip was purchased and ends on the\ntrip departure date.\nCoverage Limitations:\nCoverage is limited to the lesser of the following:\n\xe2\x80\xa2 $1,500 per trip; and\n\xe2\x80\xa2 $5,000 per 12 month period.\nCoverage is secondary to any other applicable insurance or benefit available\nto you including benefits provided by the common carrier (including, but not\nlimited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds,\ncredits, or vouchers).\nTrip Interruption\nIf the trip is interrupted for a covered reason, we will reimburse you for the\ntravel on a common carrier to your return destination or to rejoin your\nfamily members or travel companions at their current location.\nCovered reason is a sickness, injury, or death of you, your family member, or your\ntraveling companion, which results in medically imposed restrictions.\nTerm of Coverage:\nCoverage begins on the trip departure date and ends on the\ntrip completion date.\nCoverage Limitations:\nCoverage is limited to the lesser of the following:\n\xe2\x80\xa2 $1,500 per trip; and\n\xe2\x80\xa2 $5,000 per 12 month period.\nCoverage is secondary to any other applicable insurance or benefit available\nto you including benefits provided by the common carrier (including, but not\n\nGuide to Benefits\n\n18\n\n\x0climited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds,\ncredits, or vouchers).\nWhat is NOT covered:\n\xe2\x80\xa2 Pre-existing medical conditions.\n\xe2\x80\xa2 Intentionally self-inflicted injuries, including suicide or attempted suicide.\n\xe2\x80\xa2 \x07War, invasion, acts of foreign enemies, hostilities between nations (whether\ndeclared or not), civil war.\n\xe2\x80\xa2 Participation in any military maneuver or training exercise.\n\xe2\x80\xa2 Piloting or learning to pilot or acting as a member of the crew of any aircraft.\n\xe2\x80\xa2 Mental or emotional disorders, unless hospitalized.\n\xe2\x80\xa2 Participation in professional athletics or underwater activities.\n\xe2\x80\xa2 Being under the influence of drugs or intoxicants.\n\xe2\x80\xa2 Commission of or the attempt to commit a criminal act.\n\xe2\x80\xa2 \x07Participating in bodily contact sports (ex. boxing); skydiving; hang gliding;\nparachuting; Mountaineering; any race; bungee cord jumping; or speed contest.\n\xe2\x80\xa2 Dental treatment except as a result of accidental injury to sound, natural teeth.\n\xe2\x80\xa2 Any non-emergency treatment or surgery, routine physical examinations.\n\xe2\x80\xa2 Hearing aids, eye glasses or contact lenses.\n\xe2\x80\xa2 Curtailment or delayed return for other than a covered reason.\n\xe2\x80\xa2 One-way travel that does not have a return destination.\nHow to file a claim:\n\xe2\x80\xa2C\n\x07 all 1-800-Mastercard or go to www.mycardbenefits.com to initiate a\nclaim. You must report the claim within sixty (60) days of the failure or the\nclaim may not be honored.\n\xe2\x80\xa2 S\x07 ubmit the following documentation within one hundred and eighty (180)\ndays from the date of loss or the claim may not be honored:\n- \x07Covered card billing statement showing the charge for the covered trip.\n- \x07Proof of a covered reason including the completed physician\xe2\x80\x99s form.\n- \x07Copy of the cancellation policy of the common carrier.\n- \x07Any other documentation that may be reasonably requested by us or our\nadministrator to validate a claim.\nAnswers to specific questions can be obtained by writing the Plan Administrator:\nDirect Marketing Group 13265 Bedford Avenue, Omaha, NE 68164\n\nPlan Underwritten By Federal Insurance Company a member insurer of the\nChubb Group of Insurance Companies 9931 South 136th Street, Suite 100,\nOmaha, NE 68138\n\nConcierge Services\n\nWorld Elite Mastercard\xc2\xae offers you the Mastercard Concierge Service. Imagine\nyour own Personal Assistant 24 x 7 x 365, where knowledgeable experts can\nassist with whatever you need, whenever you need it. This takes \xe2\x80\x9cConcierge\nService\xe2\x80\x9d to the next level with robust, personalized features that will save you\ntime and simplify your day, such as:\n\xe2\x80\xa2P\n\x07 ersonal profile to track preferences for travel, hotels, dining, entertainment,\nspecial occasions \xe2\x80\x93 and even food allergies.\n\xe2\x80\xa2 L\x07 ocal experts who can provide on-site assistance with everyday household needs\n\xe2\x80\x93 like being there when the new appliance is delivered, because you can\xe2\x80\x99t be.\n\xe2\x80\xa2A\n\x07 ccess to unique dining and entertainment venues to turn a special occasion\ninto a memorable experience.\n\xe2\x80\xa2 Reminder service for those dates or events that you can\xe2\x80\x99t afford to miss.\n\xe2\x80\xa2 \x07Pre-trip planning services, providing you with critical information in advance of\nyour trip including: 10-day weather forecast, travel requirements, city-specific news\nand conditions, safety and security advisory, suggested packing list, pre-arranged\nconfirmations for dining and other services, top must-see attractions etc.\nLet the Mastercard Concierge assist you today, so you can have your day back!\n19\n\nDiners Club Card Elite\n\n\x0cOur experts look forward to assisting you at 1-800-336-6420.\nCosts of any goods or services provided by the concierge will be billed to\nyour World Elite Mastercard.\n\nCellular Wireless Telephone Protection\nPlease see the \xe2\x80\x98Key Terms\xe2\x80\x99 section for the terms used throughout this benefit.\n\nEvidence of Coverage\nRefer to Key Terms for the definitions of you, your, we, us, our, and words that\nappear in bold.This EOC is subject to the Legal Disclosures set forth below.\nA. To get coverage:\nYou must charge your monthly eligible cellular wireless telephone bill to\nyour covered card. You are eligible for coverage the first day of the calendar\nmonth following the payment of your eligible cellular wireless telephone bill\nto your covered card. If you pay an eligible cellular wireless telephone bill with\nyour covered card and fail to pay a subsequent bill to your covered card in a\nparticular month, your coverage period changes as follows:\n1.\x07Your coverage is suspended beginning the first day of the calendar month\nfollowing the month of nonpayment to your covered card; and\n2. \x07Your coverage resumes on the first day of the calendar month following the\ndate of any future payment of your eligible cellular wireless telephone bill\nwith your covered card.\nB. The kind of coverage you receive:\n\xe2\x80\xa2R\n\x07 eimbursement for the actual cost to replace or repair a stolen or damaged\neligible cellular wireless telephone.\n\xe2\x80\xa2C\n\x07 overage ends on the earliest of: The date you no longer are a cardholder;\nthe date the covered card is determined to be ineligible by the participating\norganization; the date the participating organization ceases to pay premium\non the group policy; the date the participating organization ceases to\nparticipate in the group policy; the date the group policy is terminated.\nC. Coverage limitations:\nCoverage for a stolen or damaged eligible cellular wireless telephone is subject to\nthe terms, conditions, exclusions, and limits of liability of this benefit.The maximum\nliability is $800 per claim for World Elite Mastercard, and $1,000 per covered\ncard per 12-month period. Each claim is subject to a $50 deductible. Coverage is\nlimited to two (2) claims per Covered Card per 12-month period.\nCoverage is excess of any other applicable insurance or indemnity available\nto you. Coverage is limited only to those amounts not covered by any other\ninsurance or indemnity. In no event will this coverage apply as contributing\ninsurance. This \xe2\x80\x9cnoncontribution\xe2\x80\x9d clause will take precedence over a similar\nclause found in other insurance or indemnity language.\nD. What is NOT covered\nThe following items are excluded from coverage under the group policy:\n\xe2\x80\xa2 E\x07 ligible cellular wireless telephone accessories other than the standard\nbattery and standard antenna provided by the manufacturer;\n\xe2\x80\xa2 E\x07 ligible cellular wireless telephones purchased for resale or for professional\nor commercial use;\n\xe2\x80\xa2 E\x07 ligible cellular wireless telephones that are lost or mysteriously disappear;\n\xe2\x80\xa2 E\x07 ligible cellular wireless telephones under the care and control of a common\ncarrier, including, but not limited to, the U.S. Postal Service, airplanes or\ndelivery service;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephones Stolen from baggage unless hand-carried and\nunder the eligible person\xe2\x80\x99s supervision or under the supervision of the eligible\nperson\xe2\x80\x99s traveling companion who is previously known to the eligible person;\n\xe2\x80\xa2 Eligible cellular wireless telephones stolen from a construction site;\n\xe2\x80\xa2 E\x07 ligible cellular wireless telephones which have been rented or leased from a\nperson or company other than a cellular provider;\n\xe2\x80\xa2 E\x07 ligible cellular wireless telephones which have been borrowed;\n\nGuide to Benefits\n\n20\n\n\x0c\xe2\x80\xa2 E\x07 ligible cellular wireless telephones that are received as part\nof a pre-paid plan;\n\xe2\x80\xa2C\n\x07 osmetic damage to the eligible cellular wireless telephone or damage that\ndoes not impact the eligible cellular wireless telephone\xe2\x80\x99s ability to make or\nreceive phone calls (including minor screen cracks and fractures less than 2\ninches in length that do not prevent the ability to make or receive phone\ncalls or to use other features related to making or receiving phone calls);\n\xe2\x80\xa2D\n\x07 amage or theft resulting from abuse, intentional acts, fraud, hostilities of\nany kind (including, but not limited to, war, invasion, rebellion or insurrection),\nconfiscation by the authorities, risks of contraband, illegal activities, normal\nwear and tear, flood, earthquake, radioactive contamination, or damage from\ninherent product defects or vermin;\n\xe2\x80\xa2D\n\x07 amage or theft resulting from mis-delivery or voluntary parting from the\neligible cellular wireless telephone;\n\xe2\x80\xa2R\n\x07 eplacement of eligible cellular wireless telephone(s) purchased from\nanyone other than a cellular service provider\xe2\x80\x99s retail or internet store that\nhas the ability to initiate activation with the cellular service provider;\n\xe2\x80\xa2 \x07Taxes, delivery or transportation charges or any fees associated with the\nservice provided; and\n\xe2\x80\xa2 \x07\x07Losses covered under a warranty issued by a manufacturer, distributor or seller.\nIn addition, we shall not be deemed to provide coverage and we shall not\nbe liable to pay any claim or provide any benefit under the group policy to\nthe extent that the provision of such coverage, payment of such claim or\nprovision of such benefit would expose us, our parent company or its ultimate\ncontrolling entity to any sanction, prohibition or restriction under United\nNations resolutions or the trade or economic sanctions, laws or regulations of\nthe European Union or the United States of America.\nE. How to file a claim\n\xe2\x80\xa2 \x07Call 1-800-Mastercard or go to www.mycardbenefits.com to open a\nclaim.You must report the claim within 90 days of the loss, or as soon as\nreasonably possible, or the claim may not be honored. Upon receipt of a\nnotice of claim, we will provide you with the necessary instructions for filing\nproof of loss. Written proof of loss must be submitted to our administrator\nwithin 120 days of the loss or the claim may not be honored. Required\ndocumentation may include but is not limited to the following:\n\xe2\x80\xa2 \x07Your card statement reflecting the monthly eligible cellular wireless\ntelephone payments for the month preceding the date the eligible cellular\nwireless telephone was stolen or suffered damage;\n\xe2\x80\xa2 \x07A copy of your current wireless service provider\xe2\x80\x99s billing statement;\n\xe2\x80\xa2 I\x07f a claim is due to damage, a copy of the repair estimate and photos of the\ndamage;\n\xe2\x80\xa2 I\x07f the claim is due to theft, a copy of the police report filed within 48 hours\nof the theft; and\n\xe2\x80\xa2 \x07Any other documentation or information reasonably requested by us to\nsupport the claim.\nPlease see the \xe2\x80\x98Legal Disclosure\xe2\x80\x99 section for all disclosures for\nthis benefit.\n\nLyft\n\nProgram Description:\nLyft is a rideshare service that matches you with a nearby driver who\xe2\x80\x99ll take\nyou wherever you\xe2\x80\x99re going. You can use the Lyft app to order a ride on\ndemand, or schedule a future ride. You can get $10 in Lyft credit every month\nwhen you take 5 rides and pay with your World Elite Mastercard.\nEligibility:\nTo be eligible for this benefit, you must use a valid World Elite Mastercard\nissued by a U.S. financial institution.\nHow to use the Lyft Benefit:\n\xe2\x80\xa2D\n\x07 ownload the Lyft app from the App Store, Google Play, Microsoft or\n21\n\nDiners Club Card Elite\n\n\x0cAmazon, or get a download link at www.lyft. com/app-sms. If you already\nhave the app, make sure you\xe2\x80\x99re using the latest version.\n\xe2\x80\xa2 E\x07 nroll your card for the benefit in the Lyft app. You\xe2\x80\x99ll see a confirmation\nscreen once you\xe2\x80\x99ve successfully enrolled.\n\xe2\x80\xa2 \x07Take 5 Lyft rides within a calendar month, and pay for them with your World\nElite Mastercard. To ensure the rides have been charged with your World\nElite Mastercard and qualify for the benefit, complete the ride in-app by\ntapping \xe2\x80\x9cSubmit\xe2\x80\x9d on the Rate + Pay screen.\n\xe2\x80\xa2 L\x07 yft will automatically add $10 in Lyft credit in your account. Track your\nprogress in the Promos section of the Lyft app.\nTerms and Conditions:\n\xe2\x80\xa2 \x07See www.lyft.com/Mastercard-world-elite for full terms, including the most\nup-to-date terms and conditions for usage of digital wallets. Lyft\xe2\x80\x99s Terms of\nService apply. Lyft CUPC ID No.TCP0032513 - P\n\xe2\x80\xa2 E\x07 nrollees in the Lyft and World Elite Mastercard benefit will receive a $10\nLyft credit (\xe2\x80\x9cCredit\xe2\x80\x9d) for taking five (5) Lyft rides in a calendar month. Rides\nmust be partially or fully paid for with a World Elite Mastercard credit card.\nLimit one credit per month per Lyft account. Credit may take up to 2 days\nto be applied. Credit expires 30 days after application.\n\nBoxed\n\nProgram Description:\nBoxed is an online, wholesale shopping destination where you can stock up on\ngroceries, household items, health supplies, and more in bulk without a membership\nfee. Place orders through the app or website and get everything delivered right to\nyour door. Cardholders receive 5% Cash Rewards on eligible purchases at Boxed.\nEligibility:\nTo be eligible for this benefit, you must use a valid World Elite Mastercard\nissued by a U.S. financial institution.\nHow to use the Boxed Benefit:\n1. Create a Boxed account on the Boxed website or mobile app.\n2. \x07Use a valid World Elite Mastercard to place an order and you will\nautomatically receive 5% Cash Rewards on eligible products in that order.\nTerms and Conditions:\n\xe2\x80\xa2 \x07\x07Full terms and conditions for this benefit, including the most up-to-date\nterms and conditions for usage of digital wallets are found at\nwww.boxed.com/worldelite. For full terms and conditions, please visit\nwww.boxed.com/terms-conditions/\n\xe2\x80\xa2 Customers can receive up to $500 in Cash Rewards per year.\n\xe2\x80\xa2 World Elite Mastercard must be used for payment to receive the offer.\n\xe2\x80\xa2 \x07The 5% Cash Rewards offer excludes taxes and governmental fees, discounts on\naccount of any applicable Promotions and/or Promo Codes, the application of\nany accrued Cash Rewards, shipping charges, and Express delivery charges.\n\xe2\x80\xa2 \x07The 5% Cash Rewards offer is not valid on past purchases, Express orders,\nBoxed Hotel, gift cards and alcohol products and other items fulfilled by\nthird-parties.\n\xe2\x80\xa2 \x07The 5% Cash Rewards offer cannot be used in conjunction with other Cash\nRewards offers from Boxed.\n\xe2\x80\xa2 \x07For any order cancellations, the 5% Cash Rewards earned on those orders will\nbe deducted from the customer\xe2\x80\x99s account.\n\xe2\x80\xa2C\n\x07 ash Rewards expire twelve (12) months from the date earned unless\n(i) redeemed in accordance with the redemption rules; or (ii) additional\nqualified purchases are made prior to the expiration of the Cash Rewards in\nyour account, in which case all unexpired Cash Rewards in your account will\nbe renewed for an additional twelve (12) month period from the date the\nqualifying renewal activity occurred.\n\nGuide to Benefits\n\n22\n\n\x0cFandango\n\nProgram Description:\nFandango is the movie destination to buy movie tickets and stream at home or on\nthe go with FandangoNOW \xe2\x80\x93 available via website, mobile app and supporting\ndevices. Fandango gives movie fans more with its loyalty program, Fandango VIP.\nYou can join for free for great perks and get rewarded for going to the movies. All\nFandango VIP members earn 125 Fandango VIP+ points for every ticket they buy.\nWhen you rack up 500 points, you receive a $5 reward towards more movies at\nhome or in the theater. World Elite Mastercard cardholders get rewarded even\nfaster and are eligible to earn double the points for the tickets they buy, 250 points\nper ticket.This means that World Elite cardholders are eligible to earn a $5 reward\nfor every 2 movie tickets purchased on Fandango.\nEligibility:\nTo be eligible for this benefit, you must use a valid World Elite Mastercard\nissued by a U.S. financial institution.\nHow to use the Fandango Benefit:\n1. \x07Visit www.fandango.com or download the Fandango app from the App\nStore or Google Play.\n2. Create a Fandango VIP account.\n3. \x07Search for show times at a movie theater that tickets through Fandango. For a\ncomplete list of participating theaters, go to this website:\nhttps://www.fandango.com/movie-theaters.\n4. \x07When you purchase a movie ticket on Fandango using your World Elite\nMastercard and while logged in to your Fandango VIP account, you will\nreceive 250 points. Once you accumulate 500 Fandango VIP+ points, you\nwill receive a reward worth $5 after you see the movie. You can use the $5\nfor your next movie ticket purchase on Fandango, or to stream movies and\nTV shows on FandangoNOW.\nTerms and Conditions:\n\xe2\x80\xa2 \x07\x07\x07Full terms and conditions for this benefit, including the most up-to-date\nterms and conditions for usage of digital wallets are found at\nwww.fandango.com/vip+mastercard. For full Fandango terms and conditions,\nplease visit www.fandango.com/Terms-and-Policies.\n\xe2\x80\xa2 \x07\x07\x07Movie tickets must be purchased for a movie with a show time starting before\n11:59 p.m. PT on the last day of the promotion period.\n\xe2\x80\xa2 \x07\x07\x07When you receive 500 VIP+ Points, you will receive a $5.00 Discount Reward\nwhich you will need to convert into a Discount Promo Code for use on a\nqualifying purchase on www.fandango.com or www.fandangonow.com.\n\xe2\x80\xa2 \x07\x07\x07The $5.00 Discount Reward expires 21 days after it is posted to your Fandango\nVIP account or 90 days after it is posted to your Fandango VIP account if your\nWorld Elite Mastercard is saved to your Fandango VIP account.\n\xe2\x80\xa2 \x07\x07\x07The $5.00 Discount Reward cannot be combined with any other offer,\npromo code or discount.\n\xe2\x80\xa2 \x07\x07\x07The $5.00 Discount Reward cannot be used to purchase a gift card.\n\xe2\x80\xa2 \x07\x07\x07After applying your $5.00 Discount Reward, any unused balance will\nautomatically expire.\n\xe2\x80\xa2 \x07\x07Void where prohibited.\n\xe2\x80\xa2 \x07\x07Additional taxes may be owed on a rental or purchase price shown for\nFandangoNOW.\n\nAccount and Billing Information\n\nImportant: Contact your card-issuing financial institution directly for questions\nconcerning your account, such as account balance, credit line, billing inquiries (including\ntransaction exchange rates), merchant disputes, or information about additional\nservices not described in this Guide.Your financial institution\xe2\x80\x99s phone number should\nbe available on your monthly billing statement or on the back of your card.\nReminder: Please refer to the Legal Disclosure section.\n\n23\n\nDiners Club Card Elite\n\n\x0cLegal Disclosure\n\nThis Guide to Benefits is not, by itself, a policy or contract of insurance or other\ncontract. Benefits are provided to you, the accountholder, at no additional charge.\nNon-insurance services may have associated costs, which will be your responsibility\n(for example, legal referrals are free, but the lawyer\xe2\x80\x99s fee is your responsibility).\nThe insurance benefits are provided under a group policy issued by New\nHampshire Insurance Company, an AIG company, unless otherwise noted. This\nGuide to Benefits is a summary of benefits provided to you. The attached Key\nTerms and EOC is governed by the group policy.\nEffective date of benefits: Effective October 1, 2019, this Guide to Benefits\nreplaces all prior disclosures, program descriptions, advertising, and brochures\nby any party. The Policyholder and the insurer reserve the right to change the\nbenefits and features of these programs at any time. Notice will be provided\nfor any changes.\nCancellation: The Policyholder can cancel these benefits at any time or choose\nnot to renew the insurance coverage for all cardholders. If the Policyholder does\ncancel these benefits, you will be notified in advance. If the insurance company\nterminates, cancels, or chooses not to renew the coverage to the Policyholder,\nyou will be notified as soon as is practicable. Insurance benefits will still apply\nfor any benefits you were eligible for prior to the date of such terminations,\ncancellation, or non-renewal, subject to the terms and conditions of coverage.\nBenefits to you: These benefits apply only to the cardholder whose cards\nare issued by U.S. financial institutions. The United States is defined as the fifty\n(50) United States, the District of Columbia, American Samoa, Puerto Rico,\nGuam, and the U.S. Virgin Islands, unless otherwise noted. No person or entity\nother than the cardholder shall have any legal or equitable right, remedy, or\nclaim for benefits, insurance proceeds and damages under or arising out of\nthese programs. These benefits do not apply if your cardholder privileges have\nbeen cancelled. However, insurance benefits will still apply for any benefit\nyou were eligible for prior to the date that your account is suspended or\ncancelled, subject to the terms and conditions of coverage herein.\nTransfer of rights or benefits: No rights or benefits provided under these\ninsurance benefits may be assigned without the prior written consent of the\nclaim administrator for these benefits.\nMisrepresentation and Fraud: Any coverage benefits hereunder shall be\nvoid if the cardholder has concealed or misrepresented any material facts\nconcerning this coverage.\nDispute Resolution \xe2\x80\x93 Arbitration: This EOC requires binding arbitration if\nthere is an unresolved dispute concerning this EOC (including the cost of, lack\nof or actual repair or replacement arising from a loss or breakdown). Under\nthis Arbitration provision, You give up your right to resolve any dispute arising\nfrom this EOC by a judge and/or a jury. You also agree not to participate as\na class representative or class member in any class action litigation, any class\narbitration or any consolidation of individual arbitrations. In arbitration, a\ngroup of three (3) arbitrators (each of whom is an independent, neutral third\nparty) will give a decision after hearing the parties\xe2\x80\x99 positions. The decision of\na majority of the arbitrators will determine the outcome of the arbitration\nand the decision of the arbitrators shall be final and binding and cannot be\nreviewed or changed by, or appealed to, a court of law.\nTo start arbitration, the disputing party must make a written demand to\nthe other party for arbitration. This demand must be made within one (1)\nyear of the earlier of the date the loss occurred or the dispute arose. The\nparties will each separately select an arbitrator. The two (2) arbitrators\nwill select a third arbitrator called an \xe2\x80\x9cumpire.\xe2\x80\x9d Each party will each pay\nthe expense of the arbitrator selected by that party. The expense of the\numpire will be shared equally by the parties. Unless otherwise agreed to by\n\nGuide to Benefits\n\n24\n\n\x0cthe parties, the arbitration will take place in the county and state in which\nyou live. The arbitration shall be governed by the Federal Arbitration Act\n(9 U.S.C.A. \xc2\xa7 1 et. seq.) and not by any state law concerning arbitration. The\nrules of the American Arbitration Association (www.adr.org) will apply to\nany arbitration under this EOC. The laws of the state of New York (without\ngiving effect to its conflict of law principles) govern all matters arising out of or\nrelating to this EOC and all transactions contemplated by this EOC, including,\nwithout limitation, the validity, interpretation, construction, performance and\nenforcement of this EOC.\nDue Diligence: All parties are expected to exercise due diligence to\navoid or diminish any theft, loss or damage to the property insured under these\nprograms. Due Diligence shall mean the performance of all vigilant activity,\nattentiveness, and care that would be taken by a reasonable and prudent person\nin the same or similar circumstances in order to guard and protect the item.\nSubrogation: If payment is made under these benefits, we are entitled to\nrecover such amounts from other parties or persons. Any party or cardholder\nwho receives payment under these benefits must transfer to us his or her\nrights to recovery against any other party or person and must do everything\nnecessary to secure these rights and must do nothing that would jeopardize\nthem, or these rights will be recovered from the cardholder.\nSalvage: If an item is not repairable, our administrator may request that you\nand/or the cardholder send the item to our administrator for salvage at your\nand/or cardholder\xe2\x80\x99s expense. Failure to remit the requested item for salvage to\nour administrator may result in denial of the claim.\nOther Insurance: Coverage is secondary to and in excess of any other\napplicable insurance or indemnity available to you. Coverage is limited to only\nthose amounts not covered by any other insurance or indemnity. Coverage\nis subject to the conditions, limitations, and exclusions described in this\ndocument. In no event will this coverage apply as contributing insurance. This\nOther Insurance clause will take precedence over a similar clause found in\nother insurance or indemnity language.\nIn no event will these insurance benefits apply as contributing insurance.\nThe non-contribution insurance clause will take precedence over the noncontribution clause found in any other insurance policies.\nSeverability of Provisions: If in the future any one or more of the provisions\nof this Guide to Benefits is, to any extent and for any reason, held to be invalid\nor unenforceable, then such provision(s) shall be deemed severable from the\nremaining provisions of the Guide. In that event, all other provisions of this Guide\nshall remain valid and enforceable. Benefits listed in this Guide to Benefits are\nsubject to the conditions, limitations, and exclusions described in each benefit\nsection. Receipt and/or possession of this Guide to Benefits does not guarantee\ncoverage or coverage availability.\nThis Guide is intended as a summary of services, benefits, and coverages and, in\ncase of a conflict between the Guide and any any master insurance policy(ies)\nor group policy or actual offering shall control. Provision of services is subject to\navailability and applicable legal restrictions.The Guide to Benefits contains the entire\nagreement between You and Us. Representations or promises made by anyone\nthat are not contained in the Guide to Benefits are not a part of your coverage.\n\n25\n\nDiners Club Card Elite\n\n\x0cWashington Residents: For Washington residents only, Evidence of Coverage\n(EOC) means the section of this Guide to Benefits that describes the terms,\nconditions, and exclusions of your coverage.The EOC, Key Terms, and Legal\nDisclosures are in the entire agreement between you and us. Representations\nor promises made by anyone that are not contained in the EOC, Key Terms, or\nLegal Disclosures are not part of your coverage. In case of a conflict between this\nGuide to Benefits and the group policy, the Guide to Benefits shall control.\n\nGuide to Benefits\n\n26\n\n\x0c27\n\nDiners Club Card Elite\n\n\x0cDiners Club and Diners Club International with the Split Circle\nDevice are registered trademarks of Diners Club International Ltd.\nTo file a claim, call 1-800-Mastercard: 1-800-627-8372,\nor en Espa\xc3\xb1ol: 1-800-633-4466.\nVisit our Web site at www.mastercard.com.\n\nGuide to Benefits\n\n28\n\n\x0cNotes\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n_______________________________________________________________\n\n29\n\nDiners Club Card Elite\n\n\x0c\x0cDiners Club and Diners Club International with the Split Circle Device are\nregistered trademarks of Diners Club International Ltd.\n\nBanking products and services are subject to bank and credit approval and are\nprovided by BMO Harris Bank N.A. Member FDIC.\n\xc2\xa9 2020 BMO Harris Bank N.A. (11/20)\t\t\n\n50347167\n\n20-2103\n\nMastercard, Maestro, and Cirrus are registered trademarks and the circles design\nare trademarks of Mastercard International Incorporated.\n\n\x0c'