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Guide to benefits

BMO Wealth Management Premium Rewards MasterCard®

Important information. Please read and save.

This Guide to benefits contains detailed information about extensive travel, insurance, and 
retail protection services you can access as a preferred cardholder. These programs and 
coverages apply to travel and retail purchases made on or after January 1, 2016. This Guide 
supersedes any guide or program description you may have received earlier.

To file a claim or for more information on any of these services,  
call 1-800-MasterCard (1-800-627-8372), 
or en Español: 1-800-633-4466.

“Card” refers to MasterCard® card and “Cardholder” 
refers to a MasterCard® cardholder.

Key Terms

The following Key Terms apply to the following benefits: MasterRental, Hotel/Motel Burglary, Lost or Damaged 
Luggage, Purchase Assurance and Extended Warranty.

Key Terms:

You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New 
Hampshire Insurance Company, an AIG company. 

Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator if 
you have questions regarding this coverage or would like to make a claim. The administrator can be reached 
by phone at 1-800-MasterCard.

Authorized driver(s) means a driver with a valid driver’s license issued from their state of resident and 
indicated on the rental agreement.

Authorized User means an individual who is authorized to make purchases on the covered card by the 
cardholder and is recorded by the Participating Organization on its records as being an authorized user.

Burglary means the taking of unattended personal property owned by you, from your registered hotel or motel 
room by forcible entry.

Cardholder means the person who has been issued an account by the Participating Organization for the 
covered card.

Carry-on luggage means suitcases or other containers specifically designated for carrying personal property, 
which are carried on board a common carrier by you.

Checked luggage means suitcases or other containers specifically designated for carrying personal property, 
for which a claim check has been issued to you by a common carrier.

Common carrier means an air, land, or water motorized transportation carrier operating under a regularly 
published schedule and current license as required by law for the conveyance of passengers. Common 
carrier does not include helicopters, taxis rental cars, hired cars, and private and contract carriers.

Covered card means the MasterCard card.

Damage means items that can no longer perform the function they were intended to do in normal service due 
to broken parts, material or structural failures.

Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The 
EOC, Key Terms, and Final Legal Disclosures are the entire agreement between You and Us. Representations 
or promises made by anyone that are not contained in the EOC, Key Terms, or Final Legal Disclosures are not 
a part of your coverage.

Forcible entry means that access to your hotel or motel room that has been gained by breaking and entering 
a locked door, window, or any other opening.

Lost means luggage (including personal property contained within) that is missing for 10 consecutive days 
and whose whereabouts are unknown to you or the common carrier.

Manufacturer suggested retail price (MSRP) means the purchase price of the vehicle or the value of the 
vehicle based on the National Automobile Dealers Association website at www.nada.com or similar source.

Rental agreement means the entire agreement or contract that you receive when renting a vehicle from 
a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the 
responsibility of all parties under the rental agreement.

Stolen means items that are taken by force and/or under duress or the disappearance of the item from a 
known place under circumstances that would indicate the probability of theft.

United States Dollars (USD) means the currency of the United States of America.

Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended 
for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles 
that are designed to accommodate less than nine (9) passengers.

MasterRental

Evidence of Coverage
Pursuant to the below terms and conditions, when you rent a vehicle for thirty-one (31) consecutive days or 
less with your covered card, you are eligible for benefits under this coverage. 

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Final 
Legal Disclosures.

A. To get coverage:

You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not 
considered rental charges) with your covered card and/or the accumulated points from your covered card 
at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied 
toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card.

You must decline the optional collision/damage waiver (or similar coverage) offered by the rental company.

You must rent the vehicle in your own name and sign the rental agreement.

Your rental agreement must be for a rental period of no more than thirty-one (31) consecutive days. Rental 
periods that exceed or are intended to exceed thirty-one (31) consecutive days are not covered. 

The rented vehicle must have a MSRP that does not exceed $50,000 USD.

B. The kind of coverage you receive:

We will pay for the following on a secondary basis:

• Physical damage and theft of the vehicle, not to exceed the limits outlined below.

• Reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental 
vehicle is out of service. Loss of use charges must be substantiated by a location and class specific fleet 
utilization log.

• Towing charges to the nearest collision repair facility.

This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal 
liability, or personal property. It does not cover you for any damages to other vehicles or property. It does not 
cover you for any injury to any party.

C. Coordination of Benefits:

When MasterRental is provided on a secondary basis and a covered loss has occurred the order in which 
benefits are determined is as follows:

1. You or an authorized driver’s primary auto insurance;

2. Collision/damage waiver provided to you by the rental agency;

3. Any other collectible insurance; 

4. The coverage provided under this EOC.

If you or an authorized driver’s primary auto insurance or other coverage has made payments for a covered 
loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the 
other insurance.

Note: In certain parts of the United States and Canada losses to rental vehicles that are covered by your 
personal vehicle insurance policy liability section may not be subject to a deductible, which means that you 
may not receive any benefits from this program. Contact your insurance provider for full coverage details 
pertaining to your personal vehicle liability insurance policy (or similar coverage).

If you have no other insurance or your insurance does not cover you in territories or countries outside of the 
United States, coverage is considered primary coverage. 

D. Who is covered:

The covered card cardholder and those designated in the rental agreement as authorized drivers.

E. Excluded rental vehicles:

• All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), 

cargo vans, campers, off-road vehicles, and other recreational vehicles.

• All sport utility trucks. These are vehicles that have been or can be converted to an open, flat bed truck 

(including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).

• Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.

• Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at 

least ten (10) years), or limousines. 

• Any rental vehicle that has a MSRP that exceeds $50,000 USD.

F. Where you are covered:

Coverage is available worldwide.

Coverage is not available in countries where:

a) This EOC is prohibited by that countries law; or

b) The terms of the EOC are in conflict with the laws of that country.

G. Coverage limitations:

We will pay the lesser of the following:

a) The actual repair amount;

b) Wholesale market value less salvage and depreciation;

c) The rental agencies purchase invoice less salvage and depreciation; or 

d) $50,000 USD

In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the 
vehicle rental company for the period of time the rental vehicle is out of service.

We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.

H. What is NOT covered:

•  Any personal item stolen from the interior or exterior of rental vehicles.

•  Vehicle keys or portable Global Positioning Systems (GPS).

•  Vehicles not rented by the cardholder or authorized user on the covered card.

•  Any person not designated in the rental agreement as an authorized driver.

•  Any obligations you assume other than what is specifically covered under the rental agreement or your 

primary vehicle insurance or other indemnity policy.

•  Any violation of the written terms and conditions of the rental agreement.

•  Any loss that occurs while driving under the influence of drugs or alcohol. 

•  Any loss associated with racing or reckless driving.

•   Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce the 
keys to the rental vehicle at the time of reporting the incident to the police and/or rental agency, as a 
result of negligence.

•  Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.

•  Subsequent damages resulting from a failure to protect the rental vehicle from further damage.

•   Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision 

causing tire or rim damage.

•   Rental vehicles where collision/damage waiver coverage (or similar coverage) was accepted/purchased by 

you.

•   Any damage that is of an intentional or non-accidental nature, caused by you or an authorized driver of 

the rental vehicle.

•   Depreciation, diminishment of value, administrative, storage, or other fees charged by the vehicle 

rental company.

•   Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of thirty-one (31) 

consecutive days from a rental agency.

•  Losses resulting from any kind of illegal activity.

•  Damage sustained on any surface, other than a bound surface such as concrete or tarmac.

•  Damage sustained on any road not regularly maintained by a municipal, state, or federal entity. 

•   Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, 

insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or 
customs official; risks of contraband; illegal activity or acts.

•   Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or  

livery conveyance.

•  Theft of, or damage to, unlocked or unsecured vehicles.

•  Value-added tax, or similar tax, unless reimbursement of such tax is required by law.

I. How to file a claim:

• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the loss 

or the claim may not be honored.

• You may choose to assign your benefits under this insurance program to the rental agency from which you 

rented your vehicle. Please contact us or our administrator for further details.

• Submit the following documentation within one hundred and eighty (180) days of the incident or the claim 

will not be honored:

 o Completed and signed claim form.

 o Receipt showing the vehicle rental.

 o Statement showing the vehicle rental.

 o The rental agreement (front and back).

 o Copy of Your valid driver’s license (front and back).

 o Copy of the declarations page of any primary vehicle insurance and other valid insurance or coverage.

 o Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved 

in a collision that requires the vehicle to be towed, in a multi-vehicle collision, or the vehicle  
is not drivable. 

 o Itemized repair estimate from a factory authorized collision repair facility. 

 o Copy of the vehicle rental company promotion/discount, if applicable.

 o Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being 

claimed. You must secure this log from the rental agency.

 o Any other documentation that may be reasonably requested by us or our administrator to  

validate a claim.

Hotel/Motel Burglary

Evidence of Coverage

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Final 
Legal Disclosures.

A. To get coverage:

You must pay the entire cost of the hotel or motel room with your covered card and/or accumulated points 
from your covered card.

B. The kind of coverage you receive:

• Reimbursement for the cost of replacing or repairing your item(s) that have been stolen or damaged 

resulting from a burglary by forcible entry into your hotel or motel room.

•  Coverage begins when you check into (i.e., occupy the room) the hotel or motel.

•  Coverage ends when you check out (i.e. vacate the room and close out the bill) from the hotel or motel. 

Coverage will not extend beyond the hotel or motel standard check out time.

•  Coverage is secondary to any other applicable insurance or coverage available to you including benefits 
provided by the hotel/motel company (including, but not limited to, goodwill payments, refunds, credit/
vouchers). Coverage is limited to only those amounts not covered by any other insurance or coverage, or 
hotel/motel company benefits (including, but not limited to, goodwill payments, refunds, credit/vouchers). 

C. Coverage limitations:

Coverage is limited to the actual cost up to $1,500 per claim to replace or repair your personal property that 
has been stolen or damaged as a result of a burglary. There is a maximum of two (2) claim(s) per twelve 
(12) month period.

D. Where you are covered:

Coverage applies worldwide.

E. What is NOT covered:

•  Loss resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, 
insurrection, riot, or civil commotion); confiscation, expropriation or detention by any government, public 
authority, or customs official; illegal activity or acts.

•  Loss resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.

•  Loss resulting from contamination by radioactive or hazardous substances, including mold.

•  Personal property contained in the hotel or motel safety deposit box.

•  Electronic equipment (including but not limited to, laptops, PDAs, video/film cameras, or hearing aids) or 

sporting equipment. 

•  Eyeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, household furniture, or documents 

(including, but not limited to, visas and IDs).

•  Plants, shrubs, animals, pets, consumables, and perishables.

•  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable 

instruments, bullion, rare, or precious metals, stamps, and coins, currency or its equivalent.

•  Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to 

collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or 
remanufactured items.

F. How to file a claim:

•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

incident or the claim may not be honored. 

•  Submit the following documentation within one hundred and eighty (180) days of the date of incident or the 

claim may not be honored: 

 o Completed and signed claim form.

 o Receipt showing hotel/motel charges. 

 o Statement showing hotel/motel charges.

 o Covered card travel point program statement showing the hotel or motel room was paid for with 

redeemed points.

 o Police report from the police and hotel/motel listing the items that were stolen.

 o Result of any settlement or denial by the hotel or motel.

 o Copy of initial claim report submitted to the hotel or motel.

 o Proof of ownership of each item stolen (i.e. original receipts, pictures, etc.). 

 o Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

Lost or Damaged Luggage

Evidence of Coverage

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Final Legal 
Disclosures.

A. To get coverage:

You must pay the entire cost of the common carrier ticket(s) with your covered card and/or accumulated 
points from your covered card.

B. The kind of coverage you receive:

• Reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and 

personal property contained therein that is lost or damaged.

• Coverage begins when the luggage is checked in or carried on to the common carrier by you. This 

includes curbside check in with facility-designated personnel.

•  Coverage ends each time you regain possession of the checked luggage from, or carry the luggage off 
of the common carrier or twenty-four (24) hours after you depart from the common carrier, whichever 
comes first.

•  Coverage is secondary to any other applicable insurance or coverage available to you including benefits 

provided by the common carrier (including, but not limited to, goodwill payments, refunds, credit/
vouchers). Coverage is limited to only those amounts not covered by any other insurance or coverage, or 
common carrier benefits (including, but not limited to, goodwill payments, refunds, credit/vouchers).

C. Coverage limitations:

Coverage is limited to the actual cost, up to $1,500 per incident of repairing or replacing your checked and/
or carry-on luggage and any personal property contained within. There is a maximum of two (2) claim(s) per 
twelve (12) month period.

D. Where you are covered:

Coverage applies worldwide.

E. What is NOT covered:

•  Loss or damage of luggage or personal property for regularly scheduled short-distance travel under one 

hundred (100) miles.

• Loss or damage resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.

• Loss resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, 
insurrection, riot, or civil commotion); confiscation, expropriation or detention by any government, public 
authority, or customs official; illegal activity or acts.

•  Loss resulting from contamination by radioactive or hazardous substances, including mold.

•  Sporting equipment or musical instruments, unless checked in as luggage with the common carrier and 

for which a claim check has been issued.

•  Electronic equipment (including, but not limited to, laptops, PDAs, video/film cameras, or hearing aids).

•  Eyeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, household furniture, or documents 

(including, but not limited to, visas and IDs).

•  Plants, shrubs, animals, consumables, and perishables.

•  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable 

instruments, bullion, rare, or precious metals, stamps, and coins, currency or its equivalent.

•  Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to 

collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or 
remanufactured items.

•  Defective material or workmanship, ordinary wear and tear or normal deterioration.

•  Loss or damage not reported within the time period required, as stipulated in the claim procedure.

•  Loss or damage where the common carrier completely denies a claim for checked and/or carry-on 

luggage.

•  Items excluded under the common carrier’s coverage (except carry-on luggage). 

•  Loss or damage where the common carrier pays the claim in full or repairs the damage.

•  Interest or conversion fees that are charged to your covered card by the financial institution.

F. How to file a claim:

•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

incident or the claim may not be honored. 

•  Report within twenty-four (24) hours any loss or damage to the common carrier.

•  Submit the following documentation within one hundred and eighty (180) days of the date of incident or the 

claim may not be honored: 

 o Completed and signed claim form.

 o Receipt showing the purchase of common carrier tickets. 

 o Statement showing the purchase of common carrier tickets.

 o Copy of initial claim report submitted to the common carrier.

 o Covered card travel point program statement showing the common carrier ticket was paid for with 

redeemed points.

 o Report from police, if applicable.

 o The result of any settlement by the common carrier.

 o Receipts showing that your luggage or personal property has actually been repaired or replaced. 

 o Any other documentation that may be reasonably requested by us or our administrator to validate 

a claim.

Purchase Assurance

Evidence of Coverage

Pursuant to the below terms and conditions, when an item you bought with your covered card is damaged 
or stolen within ninety (90) days of purchase, you may be eligible for benefits under this coverage.

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Final 
Legal Disclosures.

A. To get coverage:

• You must purchase the new item entirely with your covered card and/or accumulated points from your 

covered card for yourself or to give as a gift. 

B. The kind of coverage you receive: 

• Most items you purchase entirely with your covered card are covered if damaged or stolen for ninety 

(90) days from the date of purchase as indicated on your covered card’s receipt.

• Items you purchase with your covered card and give as gifts also are covered.

• This coverage is secondary to any other applicable insurance or coverage available to you or the gift 

recipient. Coverage is limited to only those amounts not covered by any other insurance or coverage benefit.

C. Coverage limitations:

• Coverage is limited to the lesser of the following:

 o The actual cost of the item (excluding delivery and transportation costs).

 o A maximum of $1,000 per loss and a total of $25,000 per cardholder account per twelve (12) 

month period.

• Purchases that are made up of a pair or set will be limited to the cost of repair or replacement of the 

specific item stolen or damaged. If the specific item cannot be replaced individually or repaired, the value 
of the pair or set will be covered not to exceed the limits above.

• Coverage for stolen or damaged jewelry or fine art will be limited to the actual purchase price as listed on 

your credit card statement, regardless of sentimental or appreciated market value. 

D. What is NOT covered:

•  Items left in public sight, out of arm’s reach, lacking care, custody or control by the cardholder.

•   Lost items, and items that mysteriously disappear (the only proof of loss is unexplained or there is no 

physical evidence to show what happened to the item) without any evidence of a wrongful act.

•   Items that are stolen from any location or place (including, but not limited to, exercise facilities, places of 

employment, schools, or places of worship) due to the lack of due diligence by you or another party. 

•   Items lost, stolen, damaged, or mis-delivered while under the care, custody, and control of another party 
or common carrier (including, but not limited to, airlines, the U.S. Postal Service, UPS, FedEx, or other 
delivery services).

•  Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.

•  Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.

•  Losses that cannot be verified or substantiated.

•  Items covered by a manufacturer’s recall or class action suit.

•  Items that you damage through alteration (including, but not limited to, cutting, sawing, shaping).

•   Used or antique items; collectibles of any kind (such as items designed for people to collect or items that 
over time become collectibles); recycled, previously owned, refurbished, rebuilt, or remanufactured items.

•  Stolen items without a documented report from the police.

•  Items that are damaged during transport via any mode.

•   Items stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle, automobile or any other 

motor vehicles.

•   Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, 

or their motors, equipment, or accessories. Motorized equipment not designed for transportation and used 
solely for the upkeep and maintenance of a residence is eligible for coverage (including, but not limited to, 
snow thrower, lawn mowers, and hedge trimmers).

•   Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, 

fixtures, or structures.

•   Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable 

instruments, bullion, rare, or precious metals, stamps, and coins, currency or its equivalent. 

•  Losses caused by insects, animals, or pets.

•  Plants, shrubs, animals, pets, consumables, and perishables.

•  Items purchased for resale, rental, professional, or commercial use.

•   Professional services (including, but not limited to, the performance or rendering of labor or maintenance; 
repair or installation of products, goods, or property; professional advice of any kind, including, but not 
limited to, information/services or advice secured from any help or support line; or technical support for 
software, hardware, or any other peripherals).

• Application programs, computer programs, operating software, and other software.

• Losses resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, 
rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public 
authority, or customs official; risks of contraband; illegal activity or acts.

• Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, 

and earthquake).

• Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.

• Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or mammals).

• Items stolen or damaged at a new home construction site.

• Rented, leased, or borrowed items for which you will be held responsible.

• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.

• Any shipping charges, transportation and delivery charges, or promised time frames for delivery, whether or 

not stated or covered by the manufacturer’s warranty.

• Interest or conversion fees that are charged to you on the covered card by the financial institution.

E. How to file a claim:

• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the loss 

or the claim may not be honored. 

• Submit the following documentation within one hundred and eighty (180) days of the date you report 

the claim:

 o Completed and signed claim form.

 o Repair estimate for damaged item(s).

 o Photograph clearly showing damage, if applicable.

 o Receipt showing purchase of covered item(s). 

 o Statement showing purchase of covered item(s). 

 o Report from police listing any items stolen.

 o Copy of the declarations page of any applicable insurance or protection (including, but not limited to, 

homeowner’s, renter’s, or auto insurance policy).

 o Any other documentation that may be reasonably requested by us or our administrator to validate 

a claim.

Extended Warranty

Evidence of Coverage

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Final 
Legal Disclosures.

A. To get coverage:

• You must purchase the new item entirely with your covered card and/or accumulated points from your 

covered card for yourself or to give as a gift.

• The item must have an original manufacturer’s (or U.S. store brand) warranty of twenty-four (24) months 

or less. 

B. The kind of coverage you receive:

• Extended Warranty doubles the original manufacturer warranty up to a maximum of twenty-four (24) months 
on most items you purchase. For products with multiple warranty components, each warranty time period 
will be extended up to a maximum of twenty-four (24) months. An example of a product with multiple 
warranty components includes an appliance with original manufacturer’s (or U.S. store brand) warranties 
that differ for parts, labor, compressor, etc.

• If you purchase a service contract or an optional extended warranty of twenty-four (24) months or less on 
your item, we will cover up to an additional twenty-four (24) months after both the original manufacturer’s 
(or U.S. store brand) warranty and the purchased service contract or extended warranty coverage period 
end. If your service contract or extended warranty exceeds twenty-four (24) months, this coverage does 
not apply.

• If you do not have an additional service contract or an optional extended warranty, this Extended Warranty 

benefit commences the day after your original manufacturer’s (or U.S. store brand) warranty expires.

C. Coverage limitations:

• The maximum benefit for repair or replacement shall not exceed the actual amount charged on your 

covered card or $10,000, whichever is less.

• If either the original manufacturer’s (or U.S. store brand) warranty or the service contract covers more than 

twenty-four (24) months, this benefit will not apply.

• We or our administrator will decide if a covered failure will be repaired or replaced, or whether you will 

be reimbursed up to the amount paid for the item. Items will be replaced with those of like kind and quality. 
However, we cannot guarantee to match exact color, material, brand, size, or model.

D. What is NOT covered:

• Used or antique items; collectibles of any kind (such as items designed for people to collect or items that 
over time become collectibles) that do not come with a manufacturer warranty (repair or replacement 
amount will not include market value at time of claim); recycled, previously owned, refurbished, rebuilt, or 
remanufactured items; product guarantees (e.g., glass breakage).

• Floor models that do not come with an original manufacturer warranty. 

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, 

or their motors, equipment, or accessories. Parts, if purchased separately, may be covered.

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, 

fixtures, or structures.

• Plants, shrubs, animals, pets, consumables, and perishables.

• Professional Services (including, but not limited to, the performance or rendering of labor or maintenance; 
repair or installation of products, goods or property; professional advice of any kind, including, but not 
limited to, information/services or advice secured from any help or support line; or technical support for 
software, hardware, or any other peripherals.)

• Application programs, operating software, and other software.

• All types of media with stored data or music (including, but not limited to, computer software, DVDs, video 

cassettes, CDs, film and audio cassettes).

• Any shipping charges, transportation and delivery charges, or promised time frames for delivery, whether or 

not stated or covered by the manufacturer’s warranty.

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, 

and earthquake). 

• Indirect or direct damages resulting from a covered loss.

• Mechanical failure arising from product recalls. 

• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure. 

• Loss resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, 

insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or 
customs official; risks of contraband, illegal activity, or acts. 

• Mechanical failures caused by normal wear and tear or gradual deterioration where no failure has occurred. 

• Items purchased for resale, professional, or commercial use.

• Mechanical failures caused by lack of maintenance/service.

• Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.

• Physical damage to the item.

• Any exclusion listed in the original manufacturer’s warranty.

E. How to file a claim:

• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

failure or the claim may not be honored. 

• Submit the following documentation within one hundred and eighty (180) days from the date of failure or 

the claim may not be honored: 

 o Completed and signed claim form.

 o Receipt showing covered item(s). 

 o Statement showing covered item(s). 

 o Itemized purchase receipt(s).

 o Original manufacturer’s (or U.S. store brand) warranty.

 o Service contract or optional extended warranty, if applicable.

 o Itemized repair estimate from a factory authorized service provider.

 o Any other documentation that may be reasonably requested by us or our administrator to validate 

a claim.

Price Protection

The Final Legal Disclosure is part of this agreement.

Key Terms:

Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. 
We, Us, and Our refer to New Hampshire Insurance Company, an AIG company. 

Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator if 
you have questions regarding this coverage or would like to make a claim. The administrator can be reached 
by phone at 1-800-MasterCard.

Auction (online or live) means a place or Internet site where items are sold through price bids, price quotes; 
or where prices fluctuate based on the number of people purchasing, or interested in purchasing a product. 
(Examples include, but are not limited to, Ebay, Ubid, Yahoo, public or private live auctions, etc.).

Authorized User means an individual who is authorized to make purchases on the covered card by the 
cardholder and is recorded by the Participating Organization on its records as being an authorized user.

Cardholder means the person who has been issued an account by the Participating Organization for the 
covered card.

Covered card means the MasterCard card.

Non-auction Internet advertisements means advertisements posted on the Internet, by a non-Auction 
Internet merchant with a valid tax identification number. The advertisement must have been posted within 
one hundred and twenty (120) days after the date you purchased the product and must be for the identical 
item (advertisement must verify same manufacturer and model number). The printed version of the Internet 
advertisement must include the merchant’s internet address and customer service telephone number, as well 
as the item including manufacturer, model number, sale price and date of publication.

Printed advertisements means advertisements appearing in a newspaper, magazine, store circular, or 
catalog which state the authorized dealer or store name, item (including make, model number), and sale price. 
The advertisement must have been published within one hundred and twenty (120) days after the date you 
purchased the product and must be for the identical item (advertisement must verify same manufacturer and 
model number).

A. To get coverage:

You must purchase the new item entirely with your covered card and/or accumulated points from your 
covered card for yourself or to give as a gift. 

You must see either a printed advertisement or non-auction Internet advertisement for the same 
product (advertisement must verify same manufacturer and model number) for a lower price within one 
hundred and twenty (120) days from the date of purchase as indicated on your receipt.

B. The kind of coverage you receive:

• Purchases you make entirely with your covered card are covered for one hundred and twenty (120) days 

from the date of purchase as indicated on your receipt for the difference between the price you paid and the 
lower price advertised.

• Items you purchase with your covered card and give as gifts also are covered.

• This coverage is secondary to any other applicable insurance or coverage available to you or the gift 

recipient including benefits provided by the retailer (including, but not limited to, refunds, exchanges, and 
store credits). Coverage is limited to only those amounts not covered by any other insurance or coverage, or 
retailer benefits (including, but not limited to, refunds, exchanges, and store credits).

C. Coverage limitations:

Coverage is limited to the difference between the actual cost of the item (excluding taxes, storage, shipping, 
and handling costs) and the advertised lower price, up to $250 per claim. There is a maximum of four (4) 
claim(s) per cardholder account per twelve (12) month period.

D. What is NOT covered:

• Any item purchased from an Internet site whose primary purpose is not the sale of the item or related items.

• Items purchased for resale, rental, professional, or commercial use.

• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to 

collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or 
remanufactured items.

• Customized/personalized, one-of-a-kind, or special-order items.

• Layaway items; items returned to any store.

• Any items purchased from an auction.

• Items for which the printed advertisement or non-auction Internet advertisement containing the 

lower price was published after one hundred and twenty (120) days from the date you purchased the item. 

• Items advertised or shown as price quotes, bids or final sale amounts from a non-auction Internet site.

• Items advertised in or as a result of “limited quantity,” “going out-of-business sales,” “close out”,  

or as “discontinued”. 

• Printed advertisements or non-auction Internet advertisements that display pricing lower than your 
purchased item due to rebates, special offerings, bonuses, free items/giveaways, manufacturer’s coupons, 
or special financing. 

• Professional services, including workmanship, installation, professional advice/counseling, and technical 

support, or help line.

• Plants, shrubs, animals, pets, consumables, and perishables.

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or 

their motors, equipment, or accessories. 

• Land, any buildings (including, but not limited, to homes and dwellings), permanently installed items, 

fixtures, structures, or home improvement.

• Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or mammals). 

• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable 

instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent.

• Differences in price due to sales tax, storage, shipping, handling, postage, transportation, and delivery.

• Differences in price due to foreign exchange rates or fluctuation in foreign exchange rates.

E. How to file a claim:

For a Printed Advertisement:

• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

incident or the claim may not be honored.

• Submit the following documentation within one hundred and eighty (180) days of the  

advertisement’s publication:

 o Completed and signed claim form.

 o A copy of the printed advertisement that shows the date of the advertisement, retailer name, the 

product (advertisement must verify same manufacturer and model number), and sale price.

 o Receipt showing the item(s) was purchased.

 o Statement showing item(s) purchased and use of accumulated point.

 o Itemized purchase receipt(s).

 o Any other documentation that may be reasonably requested by us or our administrator to validate 

a claim.

For a Non-Auction Internet Advertisement:

• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

incident or the claim may not be honored.

• Submit the following documentation within one hundred and eighty (180) days of the  

advertisement’s publication:

 o Completed and signed claim form.

 o A copy of the non-auction advertisement that shows the date of the advertisement, website address, 
retailer name, the product (advertisement must verify same manufacturer and model number), sale 
price, and, if applicable, shipping, handling and other charges.

 o Receipt showing the item(s) was purchased.

 o Statement showing item(s) purchased.

 o Itemized purchase receipt(s).

 o Any other documentation that may be reasonably requested by us or our administrator to validate 

a claim.

Identity Theft Resolution Services

What are Personal Identity Theft Resolution Services?

Personal Identity Theft Resolution Services provides you with access to a number of Identity Theft resolution 
services, should you believe you are a victim of Identity Theft.

Who is eligible for this coverage?

To be eligible for this coverage, you must be a valid cardholder, whose name is embossed on an eligible card, 
and who resides in the United States.

How can I access these services?

Simply contact 1-800-MasterCard if you believe you have been a victim of Identity Theft. 

What are the services provided?

Services are provided on a 24-hour basis, 365 days a year. They include:

• Concierge Level Certified Restoration specialist who works autonomously on behalf of the Cardholder and 
relieves the Cardholder of the direct involvement of processing necessary documentation, lengthy phone 
conversations and dispute resolutions.

• Limited Power of Attorney (LPOA) to represent the Cardholder during an identity theft event.

• Multiple Tri-Bureau credit reports pulled at no cost to the Cardholder to help ensure a complete resolution of 

the identity theft event and restoration of Cardholder’s identity.  

• Assistance from a Specialist with cancelling the Cardholder’s credit/debit card(s), membership cards, affinity 
cards and more in the event that identity theft has occurred (even if the Cardholder has not experienced a 
lost wallet).

• Ongoing communication with Specialist about the most current status of the Cardholder’s fraud 

investigation until the identity theft situation is successfully resolved to a pre-victim status.

• Upon successful resolution, the Cardholder will be offered a written synopsis of his or her case, including all 

written documents prepared on the behalf of the Cardholder. 

• Access to a Specialist who disputes with the consumer reporting agencies on behalf of the Cardholder to 
ensure that no fraudulent information negatively affects his or her consumer report information or history. 

• Providing the Cardholder with a uniform Identity Theft Affidavit and assistance with completion of the 

Affidavit. It is the responsibility of the Cardholder to submit the Affidavit to the proper authorities, credit 
bureaus, and creditors.

• Assistance from a Specialist to notify all three credit bureaus via conference call with the Cardholder.

• Assistance and guidance from a Specialist regarding placing fraud alerts and credit freezes.

• Assisting the Cardholder with debit, credit and/or charge card replacement.

• Assisting the Cardholder with membership/affinity card replacement.  

• Educating the Cardholder on how Identity Theft can occur and of protective measures to avoid  

further occurrences.

The Cardholder will be responsible for completing and/or providing, among other things, the following:

• Notarized Limited Power of Attorney

 o Form provided by CSID

• Notarized Federal Trade Commission Affidavit

 o Form provided by CSID

• IRS Documents, if IRS fraud occurs

 o IRS 8821 Form

 o IRS 14039 Form

• Form provided by CSID

• Copy of Government Issued Photo ID with current address

 o Driver’s License

 o State Issued Identification

• Proof of Address

Is there a charge for these services?

No, your financial institution provides these to you at no extra cost.

When are services not provided?

• When it is determined you have committed any dishonest, criminal, malicious, or fraudulent act.

• When your financial institution or card issuer, which provides this service, has investigated the event and 

deemed you are responsible for the charge or event.

• When any theft or unauthorized use of an account by a person to whom the account has been entrusted 

has been committed.

Program provisions for personal identity theft services

This service applies only to you, the primary eligible cardholder. You shall use due diligence and do all things 
reasonable to avoid or diminish any loss or damage to property protected by the program. 

The provider, Europ Assistance U.S.A., Inc., relies on the truth of statement made in the Affidavit or 
declaration from each cardholder. This service is provided to eligible cardholders at no additional cost and 
is in effect for acts occurring while the program is in effect. The terms and conditions contained in this 
program guide may be modified by subsequent endorsements. Modifications to the terms and conditions may 
be provided via additional Guide mailings, statement inserts, or statement messages. MasterCard or your 
financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty 
(30) days in advance. If the Provider non-renews or cancels any services provided to eligible cardholders, you 
will be notified within 30–120 days before the expiration of the service agreement. In the event substantially 
similar coverage takes effect without interruption, no such notice is necessary. For general questions 
regarding these services, please contact 1-800-MasterCard.

MasterAssist Travel Assistance Services

Rely on Travel Assistance Services when you’re away from home.

Travel Assistance Services is your guide to many important services you may need when traveling. Benefits are 
designed to assist you or your travel companions when you’re traveling 50 miles or more from home.* This is 
reassuring, especially when visiting a place for the first time or not speaking the language. For services, call 
1-800-MasterCard. Enrollment is automatic and the assistance service is free to cardholders. Please keep in 
mind that you will be responsible for the fees incurred for professional or emergency services requested of 
Travel Assistance Services (e.g., medical or legal bills).

*  Travel Assistance Services are available worldwide, with the exception of those countries and territories 

which may be involved in an international or internal conflict, or in those countries and territories where the 
existing infrastructure is deemed inadequate to guarantee service. You may contact us prior to embarking on 
a covered trip to confirm whether or not services are available at your destination(s).

MasterTrip® Travel Assistance

• Before you begin your trip, MasterTrip provides information on travel requirements including documentation 
(visas, passports), immunizations or currency exchange rates. The exchange rate provided may differ from 
the exact rate that issuers use for transactions on your card. Information on exchange rates for items billed 
on your statement should be obtained from the financial institution that issued your card. MasterTrip will 
also help you locate any lost or stolen travel materials, including luggage. This is not an insurance policy for 
lost/stolen luggage and we do not reimburse you for a permanent loss.

• If you have a travel emergency and need cash, MasterTrip can arrange to transfer up to $5,000 from a 

family member, friend, or business account.

• This service does not provide maps or information regarding road conditions.

 Travel Services Medical Assistance

• Provides a global referral network of general physicians, dentists, hospitals and pharmacies. We can also 

help you refill prescriptions with local pharmacists (subject to local laws).

• In the event of emergencies, a stateside physician or nurse can be contacted for consultation with the 

local medical staff and to monitor your condition. If you are hospitalized, we can arrange to have messages 
relayed home, transfer you to another facility if medically necessary, or have a family member or close 
friend brought to your bedside if you have been traveling alone (at cardholder’s expense). If a tragedy 
occurs, we’ll assist in securing travel arrangements for you and your travel companion(s).

MasterLegal® Referral Service

• Provides you with English-speaking legal referrals or consults with appropriate embassies and consulates 

regarding your situation.

• Will assist in transfers up to $5,000 in cash from a family member, friend or business to cover legal fees or 
to post bail. There is no charge for referral services; however, legal and bail fees are your responsibility.

World Travel Services

As a World MasterCard cardholder, you have access to MasterCard Travel Services,™ a suite of benefits, 
amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies. 
Get the most from all your travels. Whether it’s planning a last-minute getaway or the trip of a lifetime, learn 
what MasterCard Travel Services™ can offer you.
Professional 24/7 Travel Services 
Enjoy complimentary travel planning.
As a World cardholder, you have access to a professional travel advisor that will help you plan your trip — at 
your convenience, 24 hours a day, 7 days a week.
For additional World MasterCard benefit details, terms and conditions, please visit:  
www.mastercard.com/world

Priority Pass Select 

As a valued BMO Wealth Management Premium Rewards MasterCard cardholder, you are now eligible for the 
Airport Lounge Access benefit. This benefit offers you a complimentary annual membership in Priority Pass™ 
Select - Your key to over 850 airport VIP lounges worldwide. As an added benefit, cardholders also receive 4 
complimentary visits to participating lounges, which apply against your first member and/or guest visits. After 
your first 4 visits, you simply pay $27.00 per person per visit which will be billed automatically to your BMO 
Wealth Management Premium Rewards MasterCard when the visit is reported to Priority Pass. Once enrolled 
in the program, the primary cardholder will receive separate documentation with additional information 
about the Priority Pass Select membership. As a Priority Pass Select member, you agree to abide by the 
Priority Pass Conditions of Use, which can be found in the lounge directory included with your membership 
credentials or at www.prioritypass.com.

MasterCard Airport Concierge™

Your passport to the finer side of air travel.

Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival 
or any connecting flights at over 450 destinations worldwide 24/7/365. There are also certain airports where 
you can even be expedited through the security and/or the immigration process. To reserve MasterCard 
Airport Concierge services in advance and to take advantage of the 15% savings, visit www.mastercard.com/
airportconcierge for reservations, pricing or additional information. 

Additional terms, exclusions and conditions apply, visit:  
www.mastercard.com/airportconciergeterms

Concierge Services

World MasterCard® offers you the MasterCard Concierge Service. Imagine your own Personal Assistant 24 x 
7 x 365, where knowledgeable experts can assist with whatever you need, whenever you need it. This takes 
“Concierge Service” to the next level with robust, personalized features that will save you time and simplify 
your day, such as:

• Personal Profile to track preferences for travel, hotels, dining, entertainment, special occasions – and even 

food allergies.

•  Local experts who can provide on-site assistance with everyday household needs – like being there when 

the new appliance is delivered, because you can’t be.

•  Access to unique dining and entertainment venues to turn a special occasion into a memorable experience.

•  Reminder service for those dates or events that you can’t afford to miss.

•  Pre-trip planning services, providing you with critical information in advance of your trip including: 

10-day weather forecast, travel requirements, city-specific news and conditions, safety and security 
advisory, suggested packing list, pre-arranged confirmations for dining and other services, top must-see 
attractions etc.

Let the MasterCard Concierge assist you today, so you can have your day back! Our experts look forward to 
assisting you at 1-800-336-6420. 

Worldwide Automatic Travel Accident Insurance & Baggage Delay

The Plan: As a Cardholder you, your spouse or domestic partner and unmarried dependent children will 
be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a 
passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger 
fare(s), less redeemable certificates, vouchers or coupons, has been charged to your Card account. If the 
entire cost of the passenger fare has been charged to your card account prior to departure for the airport, 
terminal or station, coverage is also provided for common carrier travel (including taxi, bus, train or airport 
limousine); immediately, a) preceding your departure, directly to the airport, terminal or station b) while at the 
airport, terminal or station, and c) immediately following your arrival at the airport, terminal or station of your 
destination. If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, 
terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your 
card account. This coverage does not include Commutation. Commutation is defined as travel between 
the Insured Person’s residence and regular place of employment. Common Carrier means any land, water 
or air conveyance operated by those whose occupation or business is the transportation of persons without 
discrimination and for hire.
Important Definitions: Accident or Accidental means a sudden, unforeseen and unexpected event 
happening by chance. Dependent Child(ren) means those children, including adopted children and children 
placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and 
who are: 1) under the age of twenty-five (25) and reside with the Insured Person: or 2) beyond the age of 
twenty-five (25), permanently mentally or physically challenged, and incapable of self support; or 3) under 
the age of twenty-six (26) and classified as a full-time student at an institution of higher learning. Domestic 
Partner means a person designated in writing by the primary insured person, who is at least eighteen (18) 
years of age, and who during the past twelve (12) months: 1) has been in a committed relationship with 
the primary insured person; and 2) has been the primary insured person’s sole spousal equivalent; and 3) 
has resided in the same household as the primary insured person; and 4) been jointly responsible with the 
primary insured person for each other’s financial obligation, and who intends to continue the relationship above 
indefinitely.
The Benefits: The full Benefit Amount of $1,000,000 is payable for accidental loss of life, two or more 
members, sight of both eyes, speech and hearing or any combination thereof. One half of the Benefit Amount 
is payable for accidental loss of: one member, sight of one eye, speech or hearing. “Member” means hand 
or foot. One quarter of the Benefit Amount is payable for the accidental loss of the thumb and index finger of 
the same hand. “Loss” means, with respect to a hand, complete severance through or above the knuckle 
joints of at least 4 fingers on the same hand; with respect to a foot, complete severance through or above 
the ankle joint. The Company will consider it a loss of hand or foot even if they are later reattached. “Benefit 
Amount” means the Loss amount applicable at the time the entire cost of the passenger fare is charged to 
a card account. The loss must occur within one year of the accident. The Company will pay the single largest 
applicable Benefit Amount. In no event will duplicate request forms or multiple charge cards obligate the 
Company in excess of the stated Benefit Amounts for any one loss sustained by any one individual insured 

as the result of any one accident. In the event of multiple accidental deaths per account arising from any one 
accident, the Company’s liability for all such losses will be subject to a maximum limit of insurance equal to 
three (3) times the Benefit Amount for loss of life. Benefits will be proportionately divided among the Insured 
Persons up to the maximum limit of insurance.
Baggage Delay: We will reimburse the Insured Person up to the Daily Benefit Amount of $100 per day for 
three (3) days in the event of a Baggage Delay. Our payment is limited to expenses incurred for the emergency 
purchase of essential items needed by the Insured Person while on a covered trip and at a destination other 
than the Insured Person’s primary residence. Essential items not covered by Baggage Delay include, but are 
not limited to: 1) contact lenses, eyeglasses or hearing aids; 2) artificial teeth, dental bridges or prosthetic 
devices; 3) tickets, documents, money, securities, checks, travelers checks and valuable papers; or 4) business 
samples. The Baggage Delay Benefit Amount is excess over any other insurance (including homeowners) 
or indemnity (including any reimbursements by the airline, cruise line, railroad, station authority, occupancy 
provider) available to the Insured Person. Baggage Delay means a delay or misdirection of the Insured 
Person’s Baggage by a common carrier for more than four (4) hours from the time the Insured Person 
arrives at the destination on the Insured Person’s ticket.
Eligibility: This travel insurance plan is provided to cardholders automatically when the entire cost of the 
passenger fare(s) are charged to a card account while the insurance is effective. It is not necessary for you to 
notify the administrator or the Company when tickets are purchased. 
The Cost: This travel insurance plan is provided at no additional cost to eligible cardholders. BMO Harris 
Bank N.A. pays the premium for this insurance.
Beneficiary: The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such 
designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) 
the Insured’s spouse, b) the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters, 
e) the Insured’s estate. All other indemnities will be paid to the Insured.
Exclusions: This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, mental 
or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial 
infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), 
or bodily malfunctions; 2) suicide, attempted suicide or intentionally self inflicted injuries; 3) declared or 
undeclared war, but war does not include acts of terrorism. This insurance also does not apply to an accident 
occurring while an Insured is acting or training as a pilot or crew member, but this exclusion does not apply to 
passengers who temporarily perform pilot or crew functions in a life threatening emergency.
Claim Notice: Written claim notice must be given to the Company within 20 days after the occurrence of 
any loss covered by this policy or as soon as reasonably possible. Failure to give notice within 20 days will not 
invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. Claim Forms: 
When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to us 
within 15 days. If you do not receive the forms, you should send the Company a written description of the loss. 
Claim Proof Of Loss: Complete proof of loss must be given to us within 90 days after the date of loss, or as 
soon as reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate 
any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than 1 year 
after the deadline to submit complete proof of loss. Claim Payment: For all benefits, the Company will pay 
you or your beneficiary the applicable benefit amount within 60 days after complete proof of loss is received 
and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy.
How To File A Claim: To file a claim please call 1-800-MasterCard. Claims are processed by the Claim 
Administrator, Crawford and Company. Complete all items on the required claim form, attach all appropriate 
documents, and mail or fax to: Crawford and Company, P.O. Box 4090, Atlanta, GA 30302, Fax Number 855-
830-3728. Once a claim number is assigned, supporting documentation for the claim can also be submitted 
through Myclaimsagent.com.
Effective Date: This insurance is effective on the date that you become an eligible cardholder; and will 
cease on the date the Master Policy 6477-44-67 is terminated or on the date your account ceases to be 
eligible, whichever occurs first.

As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. 
This description of coverage is not a contract of insurance but is simply an informative statement of the 
principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of Insurance 
are contained in the master policy on file with the Policyholder: Financial Customer Insurance Trust. If this plan 
does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this 
description of coverage and any provision in the policy differ, the policy will govern.

Answers to specific questions can be obtained by writing the Plan Administrator:   
Direct Marketing Group, 13265 Bedford Avenue, Omaha, NE 68164.

Plan Underwritten By Federal Insurance Company (“Company”) a member insurer of the  
Chubb Group of Insurance Companies, 15 Mountain View Road, P.O. Box 1615. Warren, NJ 07061-1615
Form No. FS634L

Master RoadAssist® Roadside Service

(Available only when traveling in the 50 United States and the District of Columbia)

• If your car breaks down on the road, just call 1-800-MasterCard and tell us where you are.

• We’ll send someone to the rescue. This is not only reassuring, but it may also save you money because fees 
for many services (jump-starts, towing, gas delivery, and tire changes) are pre-negotiated. Road service fees 
will be automatically billed to your MasterCard account.

• You are responsible for emergency road service charges incurred by towing facilities responding to your 
dispatch, even if you are not with your vehicle (or it’s gone) when the tow truck arrives. MasterCard 
International is not responsible or liable for the service the towing facility provides. Towing facilities are 
independent contractors, solely liable for their services.

• Emergency road service is not available in areas not regularly traveled, in “off road” areas not accessible by 

ordinary towing vehicles, or for over one-ton capacity trailers, campers or vehicles-in-tow.

• If you have a rental car, be sure to call the rental car agency before you call 1-800-MasterCard, as many 

rental agencies have special procedures regarding emergency road service assistance.

MasterCard Global Service

MasterCard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, 
Emergency Card Replacement, and Emergency Cash Advance.

Call MasterCard Global Service immediately to report your card lost or stolen and to cancel the account. If 
you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a 
temporary card the next day in the United States, and within two business days almost everywhere else.

Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions 
on your account.

In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) 
and Canada, call 1-800-MasterCard (1-800-627-8372). 

When out-of-country and in need of assistance, you can easily reach a specially trained MasterCard Global 
Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call 
toll-free from over 80 countries worldwide. Some of the key toll-free MasterCard Global Service telephone 
numbers are:

Australia .........................1-800-120-113  Mexico ....................001-800-307-7309

Austria ............................ 0800-21-8235 

Netherlands .................. 0800-022-5821

France............................0-800-90-1387 

Poland .......................0-0800-111-1211

Germany ....................... 0800-819-1040 

Portugal ...........................800-8-11-272

Hungary ............................06800-12517 

Spain ................................ 900-97-1231

Ireland ............................1-800-55-7378 

United Kingdom............... 0800-96-4767

Italy ................................... 800-870-866 

Virgin Islands ...............1-800-307-7309

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our Web 
site at www.mastercard.com or call the United States collect at 1-636-722-7111.

Account Information and Card Benefits:

When in the United States, contact your card issuer directly for account information and 1-800-MasterCard 
for card benefits. When traveling outside the U.S., call MasterCard Global Service to access your card issuer 
for account information or to access any of your card benefits.

ATM Locations:

Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the MasterCard ATM Network 
accepting MasterCard®, Maestro®, and Cirrus® brands. Also, visit our Web site at www.mastercard.com to 
use our ATM locator. 

You can get cash at over one million ATMs worldwide. To enable cash access, be sure you know your Personal 
Identification Number (PIN) before you travel.

Account And Billing Information

Important: Contact your card-issuing financial institution directly for questions concerning your account, such 
as account balance, credit line, billing inquiries (including transaction exchange rates), merchant disputes, or 
information about additional services not described in this Guide. Your financial institution’s phone number 
should be available on your monthly billing statement or on the back of your card.

Final Legal Disclosure

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have 
associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is 
your responsibility).

The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an 
AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and 
EOC is governed by the Group Policy.

Effective date of benefits: Effective January 1, 2016, this Guide to Benefits replaces all prior disclosures, 
program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the 
right to change the benefits and features of these programs at anytime. Notice will be provided for  
any changes.

Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance 
coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. 
If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you 
will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible 
for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of 
coverage.

Benefits to you: These benefits apply only to the cardholder whose cards are issued by U.S. financial 
institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American 
Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the cardholder shall 
have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under 
or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. 
However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your 
account is suspended or cancelled, subject to the terms and conditions of coverage.

Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be 
assigned without the prior written consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented 
any material facts concerning this coverage.

Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved dispute 
concerning this EOC (including the cost of, lack of or actual repair or replacement arising from a loss or 
breakdown). Under this Arbitration provision, You give up your right to resolve any dispute arising from this 
EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in 
any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a 
group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after 
hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the 
arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, 
or appealed to, a court of law.

To start arbitration, the disputing party must make a written demand to the other party for arbitration. This 
demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. 
The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called 
an “umpire.” Each party will each pay the expense of the arbitrator selected by that party. The expense of the 
umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the arbitration will take 
place in the county and state in which You live. The arbitration shall be governed by the Federal Arbitration 
Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American 
Arbitration Association (www.adr.org) will apply to any arbitration under this EOC. The laws of the state of New 
York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this 
EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, 
construction, performance and enforcement of this EOC.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or 
damage to the property insured under these programs. “Due diligence” means the performance of all vigilant 
activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar 
circumstances in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such 
amounts from other parties or persons. Any party or cardholder who receives payment under these benefits 
must transfer to the insurance company his or her rights to recovery against any other party or person and 
must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these 
rights will be recovered from the cardholder.

Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift recipient 
send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure to remit 
the requested item for salvage to the claim administrator may result in denial of the claim.

Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity 
available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. 
It is subject to the conditions, limitations, and exclusions described in this document. In no event will this 
coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar 
clause found in other insurance or indemnity language.

In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance 
clause will take precedence over the non-contribution clause found in any other insurance policies.

Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to 
any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed 
“severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall 
remain valid and enforceable.

Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described 
in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee 
coverage or coverage availability.

This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between 
the Guide and the master insurance policies, or an issuer’s, or the MasterCard actual offerings, such master 
policies or actual offering shall control. Provision of services is subject to availability and applicable legal 
restrictions.

To file a claim, call 1-800-MasterCard (1-800-627-8372),  
or en Español: 1-800-633-4466. 
Visit our Web site at www.mastercard.com.

BMO Wealth Management is a brand name that refers to BMO Harris Bank N.A.  
and certain of its affiliates that provide certain investment, investment advisory,  
trust, banking, securities, insurance and brokerage products and services.

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