HAPO COMMUNITY CREDIT UNION  
                            VISA CREDIT CARD ACCOUNT AGREEMENT  
    Interest Rates and Charges  
    INITIAL ANNUAL PERCENTAGE RATE (APR) 
    FOR PURCHASE TRANSACTIONS                APR*  
    INITIAL ANNUAL PERCENTAGE RATE (APR) 
    FOR CASH TRANSACTIONS                    APR*  
    INITIAL ANNUAL PERCENTAGE RATE (APR) 
    FOR BALANCE TRANSFERS                    APR*  unless eligible for lower promotional rate Balance Transfer  
    How to Avoid Paying Interest   You have a 25-day grace period in which to repay your balance for purchase transactions 
                                before a FINANCE CHARGE will be imposed.  
    Paying Interest             Finance charges accrue on cash advances, and balance transfers, from the transaction date 
                                until they are paid in full.  
    Delinquency                 You will be in default if your account becomes more than two months past due. On the first day 
                                of the month following notice of default, your APR will be increased to 18.00%. Upon default, if 
                                six consecutive payments are made on time, the default rate will be removed and previous 
                                APR will resume.   
    Billing Error Rights        For information about your right to dispute transactions, please refer to section 18 of the 
                                Account Agreement  
    For Credit Card Tips from the Feder al Reserve  To learn more about factors to consider when applying for or using a credit card, visit the 
    Board                       website of the Federal Reserve Board at www.federalreserve.gov/creditcard.  
    Method of Computing the Balance   Average Daily Balance Method  
   *Your APR may vary with changes to an index which is the Prime Rate as published in The Wall Street Journal. When you have 
   an APR that varies with changes to the Prime Rate, we calculate your APR by adding a percentage (a �margin�) to the Prime 
   Rate. The margin will change semi-annually based on your credit score. Scores will be obtained in January (for April interest rate 
   changes), and July (for October rate changes) by Trans Union 2 Baldwin Place P.O. Box 1000 Chester, PA 19016. The rate table 
   shows which rates, if any, are variable rates. 
    Fees                         
    Annual Membership Fee       NONE  
    Cash Advance Fee            NONE  
    Balance Transfer Fee        NONE  
    Late Payment Fee            $25.00 fee may be assessed for payments made later than the due date.  
    Over Limit Fee              NONE  
    Returned Payment Fee        $20.00 fee assessed for returned payments.  
   I/We understand and agree to the terms and conditions and acknowledge that I/we have received a copy of the VISA disclosures.  
   X________________________________________   X________________________________________  
      Primary Applicant                       Co-Applicant  
    
    
    SECURITY INTEREST. You grant the Credit Union a security interest under the Washington Uniform Commercial Code in any goods purchased 
     with your Card. You agree that all collateral you have given the Credit Union to secure other consumer loan obligations (except real estate), in the 
    past and in the future, will secure your obligations under this Agreement. In addition, by signing the credit card Application, you have given us a   
    security interest in all your shares and deposits, present and future, and all accounts (except Individual Retirement Accounts) with the Credit Union. 
    For Secured Card accounts, you have given us a specific pledge of your Credit Union shares up to 110% of the credit limit and we may prevent your   
    withdrawal of the pledged shares. You agree, upon default, the Credit Union may apply all that is secured to pay any amounts due under this 
                                            
    Agreement, without further notice to you. 
                                            
                                            
                                HAPO COMMUNITY CREDIT UNION 
                             VISA CREDIT CARD ACCOUNT AGREEMENT  
   1.  INTRODUCTION. This Agreement covers this VISA Credit Card account, issued by HAPO Community Credit Union (�Lender�). In this Agreement the 
      words �you,� �your,� �yours,� �applicant,� and �borrowers� mean any person who signs the application for this Account, any joint obligor, guarantor, 
      authorized user, or the person whose name is embossed on the Card. The word �Card� means any one or more credit cards issued under the Credit Union�s 
      VISA programs. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they 
      will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms 
      and conditions which will govern this Account. 
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   2.  YOU PROMISE TO PAY. You promise to pay us all such amounts, plus any FINANCE CHARGES, which arise from use of the Card or Account by 
      you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent 
      authority for such use, and you received no benefit from the use. 
   3.  CREDIT LINE. This Agreement will constitute a revolving line of credit for an amount which will be the credit line under your Account.  You may access 
      your credit line through Card purchase and/or cash transactions at participating merchants. We will advise you of the amount of your credit line. That 
      amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your 
      credit line. However, if you temporarily exceed your credit line, you agree to repay the excess immediately, even if we have not yet billed you. Obtaining 
      such credit does not increase your credit line. We retain the right to increase or decrease your credit line at any time for any reason. Any increase or reduction 
      on the limit of your credit line will be shown on your monthly statement or by separate notice. Your eligibility for this credit line is determined by our loan 
      policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by sending us a signed, written 
      request. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement and your liability hereunder 
      shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement. 
   4.  ACCOUNT ACCESS. Purchase Transactions and Cash Transactions. You must sign the Card to use it. Once you have signed the Card, you can use 
      it to purchase goods or services, wherever the Card is honored, up to the full amount of your credit line. You may use your Account to get cash advances 
      from us, other participating financial institutions, or automated teller machines (ATM). No purchase or cash transaction may exceed the available funds in 
      your Account. The Credit Union reserves the right to refuse any transaction that would exceed your credit limit, and/or daily purchase or cash limit. 
      Purchases are limited to 10 transactions a day. Cash transactions are limited to 3 transactions per day and cannot exceed $2,500 a day for Share Secured, 
      or $5,000 a day for Platinum accounts. ATM transactions cannot exceed $505 per single transaction. 
   5.  MINIMUM MONTHLY PAYMENT. You agree that you will pay each month not less than the minimum monthly payment on or before the scheduled 
      monthly due date. You may pay in full for all your purchase and cash transactions each month, or you may repay in monthly installments. The minimum 
      payment is calculated at 2% of your outstanding balance or $25.00, whichever is greater, plus any amounts past due and/or over limit. If your outstanding 
      balance is less than $25, you agree to pay the balance in full. We can accept late payments or partial payments, or checks, drafts, and money orders marked 
      �payment in full,� without prejudice to our rights under this Agreement, which are hereby explicitly reserved. Your minimum payment due will be applied 
      first to any outstanding FINANCE CHARGES and fees, then to lower rate balances, with any excess being applied to the balance with the highest APR. 
   6.  MONTHLY STATEMENTS. Each month we will provide you a statement showing purchase transactions, cash transactions, payments, and credits made 
      to your Account during the billing cycle, as well as your New Balance, any FINANCE CHARGE and any late charge or other charges. Your statement 
      also will identify the minimum monthly payment you must make for that billing period and the date it is due. You agree to retain for statement verification, 
      copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a billing error as 
      described below, you accept your monthly statement as an accurate statement of your Account with us. 
   7.  Sec. __Military Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as 
      described below. 
   a.  Borrower Certification of Active Duty.  By requesting a Credit Card each borrower certifies to the Credit Union that borrower:  (i) is a 
      Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not less than 30 days) 
      Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member.  Borrower(s) authorize 
      the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the database of the Department 
      of Defense or from a consumer report obtained from a consumer reporting agency.  
   b.  Military Annual Percentage Rate. Federal law provides important protections to members of the Armed Forces and their dependents 
      relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her 
      dependent may not exceed an annual percentage rate of 36%.  This rate must include, as applicable to the credit transaction or account: 
      the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any 
      application fee charged (other than certain application fees for a credit card account); and any participation fee charged (other than certain 
      participation fees for a credit card account). 
   c.  Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 2 and 5 above in the Credit Card 
      Agreement. 
   d.  Security Interest.  The Credit Union�s security interest in all your Credit Union shares or deposits pursuant to the Credit Card Agreement 
      will not apply your Credit Card Account.  A security interest in shares or deposits granted in connection with any other credit card account, 
      loan or line of credit does not secure the Credit Card Account identified above, in spite of any provision that collateral securing one loan 
      secures all of your other Credit Union obligations.  However, if you establish a deposit or share account specifically in connection with your 
      Credit Card Account, funds deposited in that account after you establish the Credit Card Account are subject to our security interest as set 
      forth above in the Credit Card Agreement. 
   e.  Credit Union Toll-Free Telephone Number -509-943-5676.  Call this number for verbal information about the Military Annual 
      Percentage Rate and your payment obligation. 
   8.  CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. We may impose the following fees and charges on your Account: (a) 
      Late Charges. $25.00 fee may be assessed for payments made later than the due date (b) Returned Payment Charge. If any payment we receive from 
      you is returned to us unpaid, we may impose a returned item fee of $20.00 (c) Miscellaneous Photocopying. If you request a copy of a sales draft or 
      monthly statement, we may charge your Account $2.00 per copy and $20.00 per hour. These charges cover the costs of locating, copying, and delivering 
      the documents to you. If a request is related to a billing error and an error is found, we will reverse any photocopying charges (d) ATM Fees. If you use an 
      ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network 
      utilized for such a transaction. The ATM surcharge may be charged to your Account if you complete the transaction (e) Attorney�s Fees and Costs. If you 
      default on any part of this Agreement, you agree to pay us all costs to collect your Account, including: court costs, reasonable attorney fees, collection 
      agency costs whether or not there is a lawsuit, incurred both before and after judgment; such collection agency cost may be based on a percentage, not to 
      exceed 30%, of the principal owed at the time of default; fees for bankruptcy proceedings, appeals, and any post judgment collection services. The Credit 
      Union may commence an action to enforce this Agreement in the county in which the Credit Union is located, or where you reside, if you live outside the 
      state of Washington (f) Replacement Charges. If a card is lost or damaged there will be a $5.00 replacement fee and $25.00 fee to rush standard processing 
      of a card. A replacement or rush fee will not be charged in the event the credit union is at fault. 
   9.  CONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions: Ownership of Cards. Any Card or other 
      credit instrument or device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or 
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      to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion 
      without demand or notice. You cannot transfer your Card or Account to another person. You may not use the Card for any illegal or unlawful transactions 
      and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. Honoring the Card. Neither we nor 
      merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply 
      to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund. Currency Conversion. 
      Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as 
      established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central 
      processing date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing 
      date, in each instance, plus 1.00%. Notices and Payments. All notices will be sent to your address as shown in on your HAPO share account. You agree 
      to advise us promptly if you change your mailing address. We may, at our option, accept mailing address changes from the United States Postal Service, 
      and update your VISA account as well as your HAPO account based on these changes. All payments should be mailed to us at the remittance address shown 
      on your monthly statements. Payments received at that address will be credited to your Account as of the date received. Personal Identification Number. 
      We will issue you a Personal Identification Number (�PIN�) for use with your Card at Automatic Teller Machines (�ATMs�). These numbers are issued to 
      you for your security purposes. These numbers are confidential and should not be disclosed to third parties. You are responsible for safekeeping your PIN. 
      You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign on your Accounts. To keep your Account secure, please 
      do not write your PIN on your Card or keep it in the same place as your Card. 
   10.  DEFAULT. You will be in default under this Agreement if any of the following occur: (a) your account becomes more than two months past due; (b) you 
      become insolvent, bankrupt, or you die; (c) you violate any part of this Agreement, or any other agreement with us; or (d) if we reasonably deem ourselves 
      insecure on your credit line. Upon default, we may declare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus 
      any attorney�s fees and costs including collection agency costs incurred by us. We can delay enforcing any right under this Agreement without losing that 
      right or any other right. In the event you are in default of this Agreement, your ANNUAL PERCENTAGE RATE will be 18.00% (1.500000% Periodic 
      Rate). The ANNUAL PERCENTAGE RATE will be increased on the first day of the second month following notice of default.    
   11.  CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit bureaus, merchants, and other 
      financial institutions) regarding the status and history of your credit line. You agree to provide us, at any time we deem necessary, with a current financial 
      statement and updated credit information upon request. We may investigate your credit as needed through a credit reporting agency. 
   12.  LOSS OR THEFT OF VISA CREDIT CARD. You agree to notify us immediately of the loss, theft, or use without your permission, of any Card or other 
      credit instrument or device which we supply to you. Call us at 800-449-7728, or write to: VISA Department, PO Box 31216, Tampa, FL 336313281. 
   13.  AMENDMENTS. We have the right to change any terms and conditions of this Agreement, subject to applicable laws, at any time. 
   14.  GOVERNING LAW. This Agreement and your account will be governed by federal law, as well as the law of Washington State, and will apply no matter 
      where you live or use this account. 
   15.  YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and our responsibilities under the 
      Fair Credit Billing Act. What to do if you find a mistake on your statement. If you think there is an error on your statement, write us at: VISA Department, 
      PO Box 31216, Tampa, FL 33631-3281. In your letter, give us the following information: (a) Account information. Your name and account number (b) 
      Dollar amount. The dollar amount of the suspected error (c) Description of problem. If you think there is an error on your bill, describe what you believe 
      is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. At least 3 business days before 
      an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. 
      You may call us, but we are not required to investigate any potential errors and you may have to pay the amount in question. 
   16.  What will happen after we receive your letter. When we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell 
      you that we received your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter, we must either correct 
      the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: We cannot try to collect the 
      amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you 
      interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any 
      unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: If we made a mistake: You will not have to 
      pay the amount in question or any FINANCE CHARGE or other fees related to that amount. If we do not believe there was a mistake: You will have to 
      pay the amount in question, along with applicable FINANCE CHARGES and fees. We will send you a statement of the amount you owe and the date 
      payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your 
      bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
      reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those 
      organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have t o pay the first $50 of the 
      amount you question even if your bill is correct. Your rights if you are dissatisfied with your credit card purchases. If you are dissatisfied with the 
      goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have 
      the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:  (a) The purchase must have been made 
      in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are 
      necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) (b) You must 
      have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do 
      not qualify (c) You must not yet have fully paid for the purchase. While we investigate, the same rules apply to the disputed amount as discussed above. 
      After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as 
      delinquent. 
   17.  Rewards Programs 
        Cash Back Rewards (�Rewards�) accrue at a rate of 2.00% on net retail purchase transactions (qualifying purchases less credits, returns, and 
        adjustments) charged to the card. Balance Transfers, cash advances, other cash transactions, fees, interest, and unauthorized/fraudulent transactions, 
        and manufactured spending (i.e. gift cards) do not earn Rewards. Rewards accruals are calculated at the end of each billing cycle, and will appear on 
        your account�s monthly statement. Payouts are based on the billing cycle. Reward accruals are unlimited, must earn a minimum of $15.00 to qualify 
        for payout. Rewards are paid annually in November, or as requested on demand for prior billing cycles. Payouts are paused during the month of 
        October to prepare for the annual payouts. If your account is in arrears, closed, or used fraudulently to earn Rewards, all Rewards will be forfeited. 
        Rewards cannot be transferred or combined. Fraudulent use of the card or manufactured spending to redeem points will result in an automatic card 
        closure without payout. HAPO shall determine which purchases qualify, program subject to change at any time. 
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        Double Reward Points-New Signature Travel Visa 2.5 points per dollar applies to the first $12,000 in purchase transactions within 365 days of 
        account opening. Points accrue at the standard rate of 1.25 per dollar 365 days after the account open date, OR after spending $12,000 in purchase 
        transactions; whichever is sooner. Points do not accrue on cash advance transactions or balance transfers. Points expire 5 years from the date of 
        accrual. Points to Cash Signature Travel Rewards cards are eligible to redeem points for Cash. Cash is redeemable in increments of $25.00. Just log 
        in to HAPO Rewards. Point per cash value is $0.01. Points are eligible for cash redemption a maximum of 4 times a year, not to exceed one 
        redemption a month. Points must be redeemed prior to expiration; all points expire in December of the 5 th  year. 
   18.  PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The FINANCE CHARGE imposed during the billing cycle will be 
      determined by multiplying the Average Daily Balance by the Monthly Periodic Rate. The ANNUAL PERCENTAGE RATE (APR) is divided by 12 to 
      produce the monthly rate. Your APR may vary with changes to an index which is the Prime Rate as published in The Wall Street Journal five business days 
      before the closing date shown on your billing statement. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate 
      and inform you on your billing statement or through a separate notice. The rate table shows which rates, if any, are variable rates. The rate table lists the 
      margin for each variable rate and any minimum periodic rate and corresponding APR. When you have an APR that varies with changes to the Prime Rate, 
      we calculate your APR by adding a percentage (a �margin�) to the Prime Rate. The margin will be updated semi-annually based on your FICO credit score. 
      FICO scores will be obtained in January (for April interest rate updates), and July (for October rate updates) by Trans Union 2 Baldwin Place P.O. Box 
      1000 Chester, PA 19016. If we are unable to obtain a credit score for your account, the rate will reflect that of a zero score. If this calculation results in a 
      change to your APR because the Prime Rate or your credit score has changed, the new rate will apply as of the first day of your billing cycle in which the 
      update occurs. All accounts have a ceiling limit of 18.00% APR, and will not exceed that amount at any given time.  
   19.  FINANCE CHARGE CALCULATION: AVERAGE DAILY BALANCE METHOD. We calculate the Periodic FINANCE CHARGE on your 
      Account by applying the Periodic Rate to the �Average Daily Balance� of purchase and cash activity for your Account. To get the �Average Daily Balance� 
      we take the beginning purchase and cash balance of your Account each day, add any new purchase and cash transactions, and subtract any payments or 
      credits, unpaid FINANCE CHARGES and unpaid late charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle 
      and divide by the number of days in the billing cycle. This gives us the Average Daily balance for both purchase and cash transactions 
   20.  CIRCUMSTANCES UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED. Cash Transactions. A FINANCE CHARGE will be imposed 
      on cash transactions from the date each cash transaction is made to the date paid. There is no time period within which to pay to avoid a periodic FINANCE 
      CHARGE on cash advances, and balance transfers. Purchases. You have a 25-day grace period in which to repay your balance for purchase transactions 
      before a FINANCE CHARGE will be imposed. A FINANCE CHARGE will be imposed on any balance remaining from purchase transactions not paid 
      within the �grace period�. The total outstanding balance of purchases and cash transactions in the Account on the closing date of a billing cycle, including 
      any FINANCE CHARGE will be shown on the Periodic Statement for that billing cycle as the �New Balance.�  
       
       
                             Credit  
                  Account Type   Score   Annual Percentage Rate   Notice Required  
                             Range  
                            750-999    8.25       (Prime* + 5.00%)    
                            700-749    11.00      (Prime* + 7.75%)    
                            650-699    14.50  (Prime* + 11.25%)   ?   
                            600-649    17.00  (Prime* + 13.75%)   ?   
                   Low Rate  
                            000-599    18.00      (Prime* + 14.75%)   ?   
                    Platinum  
                            750-999    11.25      (Prime* + 8.00%)    
                            700-749    14.00  (Prime* + 10.75%)    
                            650-699    17.50  (Prime* + 14.25)  
                                                                  ?   
                            600-649    20.00  (Prime* + 16.75%)   ?   
                  Platinum with  
                            000-599    20.00   (Prime* + 16.75%)   ?   
                   Cash Back  
                   Signature   750-999  10.50     (Prime* + 7.25%)    
                    VISA    700-749    13.25       (Prime* + 10.00%)    
                            650-699    16.75       (Prime* + 13.50%)   ?   
                            600-649    18.00      (Prime* + 14.75%)   ?   
                            000-599    18.00     (Prime* + 14.75%)   ?   
                     Share 
                             N/A       18.00%     18.00%          ?   
                    Secured  
                   Youth VISA   N/A    12.9%      12.9%               
               *Estimated variable APRs above are based on the 3.25% WSJ Prime Rate as of March 15, 2020 **Maximum rate 18.00%  
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   Your Guide to Benefits describes the benefits in effect as of 4/1/16.  Benefit information in this guide replaces 
   any prior benefit information you may have received.  Please read and retain for your records. Your eligibility 
                            is determined by your financial institution.  
   YOUR GUIDE TO CARD BENEFITS  
   Visa Signature Card  
   For more information about the benefits described in this guide, call the Benefit Administrator at 1-800-
   3979010, or call collect outside the U.S. at 303-967-1093.  
   For questions about your account, balance, or rewards points please call the customer service number on 
   your Visa Signature card statement.  
   Warranty Manager Service  
   What is this benefit?   
   Warranty Manager Service provides you with valuable features to help manage, use and even extend the warranties 
   of eligible items purchased with your Visa Signature card and/or with rewards points earned on your covered account. 
   You can access these features with a simple toll-free call. Services include Warranty Registration and Extended 
   Warranty Protection.  
   Who is eligible for this benefit?   
   You are eligible if you are a valid cardholder of an eligible Visa Signature card issued in the United States.  
   Warranty Registration Details  
   Why should I use Warranty Registration to register my purchases?  
   You�ll have peace of mind knowing that your purchases� warranty information is registered and on file. Although 
   Warranty Registration is not required for Extended Warranty Protection benefits, you are encouraged to take 
   advantage of this valuable service. When arranging for a repair or replacement, instead of searching for critical 
   documents, you can just pick up the phone and call the Benefit Administrator.  
   How do I register my purchases?  
   To register an eligible purchase call 1-800-397-9010, or call collect outside the U.S. at 303-967-1093. The Benefit 
   Administrator will provide the address to which you can send in the item�s sales receipt and warranty information so 
   this key information can be kept on file for you.   
   Extended Protection Details  
   How does Extended Warranty Protection work?  
   Extended Warranty Protection doubles the time period of the original manufacturer�s written U.S. repair warranty up to 
   one (1) additional year on eligible warranties of three (3) years or less for items purchased entirely with your eligible 
   Visa Signature card and/or with rewards points earned on your covered account.   
   This benefit is limited to no more than the original price of the purchased item (as shown on your Visa Signature card 
   receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim and fifty 
   thousand dollars ($50,000.00) per cardholder.   
    
   What about purchases made outside of the U.S.?  
   Purchases made outside of the U.S. are covered as long as you purchased the item entirely with your eligible Visa 
   Signature card and the eligible item has a valid original manufacturer�s written U.S. repair warranty of three (3) years 
   or less, store-purchased dealer warranty, or assembler warranty.   
   What types of purchases are not covered?  
      �  Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, 
        including trailers and other items that can be towed by or attached to any motorized vehicle ? Any costs other 
        than those specifically covered under the terms of the original manufacturer�s written U.S. 
        repair warranty, as supplied by the original manufacturer, or other eligible warranty 
      �  Items purchased for resale, professional, or commercial use 
      �  Real estate and items which are intended to become part of real estate including, but not limited to, items that 
        are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans 
      �  Rented or leased items or items purchased on an installment plan and for which the entire purchase price was 
        not paid in full at the time of the occurrence 
      �  Computer software 
      �  Medical equipment 
      �  Used or pre-owned items 
   Should I keep copies of receipts or any other records?  
   Not if you�ve already registered your purchase. If you have not registered your purchase, however, you should keep 
   copies of your Visa Signature card receipt, your store receipt, the original manufacturer�s written U.S. warranty, and 
   any other applicable warranty in the event that you need to file a claim, as these documents will be required to verify 
   your claim.   
   Filing an Extended Warranty Protection Claim  
   How do I file a claim?  
   Call the Benefit Administrator at 1-800-397-9010, or call collect outside the U.S. at 303-967-1093 immediately after 
   the failure of a covered item. Please Note: If you do not notify the Benefit Administrator within sixty (60) days 
   after the product failure, your claim may be denied.   
   The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate repair 
   facility, and send you the appropriate claim form.   
   Gift recipients of eligible items are also covered by the claim process. However, a gift recipient must provide all the 
   documents necessary to fully substantiate the claim.  
   For faster filing, or to learn more about the Warranty Manager Service benefit, visit www.cardbenefitservices.com  
   What documents do I need to submit with my claim?  
   Complete and sign the claim form sent to you by the Benefit Administrator and submit it within ninety (90) days of 
   the product failure along with the following documents:  
      �  Your Visa Signature card receipt 
      �  The itemized store receipt ? A copy of the original manufacturer�s written U.S. warranty and any other 
        applicable warranty 
      �  A description and serial number of the item, and any other documentation deemed necessary to 
        substantiate your claim (this includes bills and, if necessary, a copy of the maintenance record and receipts) 
        ? The original repair order 
   Please Note: All claims must be fully substantiated.  
   How will I be reimbursed?   
      
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   If you have substantiated your claim and met the terms and conditions of the benefit, the item will be replaced or 
   repaired at the Benefit Administrator�s discretion, but for no more than the original purchase price of the covered 
   item as recorded on your Visa Signature card receipt, less shipping and handling fees, up to a maximum of ten 
   thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars ($50,000.00) per cardholder.   
   Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all 
   required documents.  
   What about repairs?  
   Extended Warranty Protection will pay the repair facility directly, or you may go to an authorized repair facility and file 
   a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer�s authorized repair 
   facility are covered.   
   In either case, the Benefit Administrator�s payment, replacement, or repair made in good faith will fulfill the obligation 
   under the benefit.   
   Do I have to file with my insurance company?   
   No. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty 
   Protection is supplemental to, and excess of, that coverage.   
   ADDITIONAL PROVISIONS FOR WARRANTY MANAGER SERVICE  
   This benefit applies only to you, the eligible Visa Signature cardholder, and to whomever receives the eligible gifts 
   you purchase entirely with your eligible Visa Signature card and/or with rewards points earned on your covered 
   account.  
   You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property 
   protected by this benefit. This provision will not be unreasonably applied to avoid claims.  
   If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair 
   services, no benefit shall exist for such claim and your benefits may be canceled. Each claimant agrees that 
   representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any 
   case of fraud, intentional concealment, or misrepresentation of material fact.  
   Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of 
   the product failure. No payment will be made on a claim that is not completely substantiated in the manner required 
   by the Benefit Administrator within six (6) months of the date of product failure.  
   After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this 
   claim will be transferred to the Benefit Administrator to the extent of payment made to you. You must give the Benefit 
   Administrator all assistance as may reasonably be required to secure all rights and remedies.  
   No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof 
   of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of 
   Loss. Further, no legal action may be brought against the Provider unless all the terms of this Guide to Benefits have 
   been complied with fully.  
   The benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions 
   contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and 
   conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement messages. The 
   benefits described in this Guide to Benefits will not apply to Visa Signature cardholders whose accounts have been 
   suspended or canceled.   
   Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits, 
   and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit 
   provided to you as a Visa Signature cardholder. Indemnity Insurance Company of North America (�Provider�) is the 
   underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator 
   provides services on behalf of the Provider.  
   FORM #VWMGR 10K-50K-3YR � 2013 (04/16)    WMGR-S  
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   Travel and Emergency Assistance Services  
   What is this benefit?   
   This benefit offers services designed to help you in case of an emergency while traveling. The Benefit Administrator 
   can connect you with the appropriate local emergency and assistance resources available when you are away from 
   home, 24 hours a day, 365 days a year. (Please keep in mind that, due to occasional issues such as distance, 
   location, or time, neither the Benefit Administrator nor its service providers can be responsible for the availability, use, 
   cost, or results of any medical, legal, transportation, or other services.)  
   Who is eligible for this benefit?  
   You are eligible if you are a valid cardholder of an eligible Visa Signature card issued in the United States. Your 
   spouse and children [provided children are dependents under twenty-two (22) years old] may all benefit from these 
   special services.  
   How do I use these services when I need them?  
   Simply call the toll-free, 24-hour Benefit Administrator line at 1-800-397-9010. If you are outside the United States, 
   call collect at 303-967-1093.  
   Is there a charge for these services?  
   No. Travel and Emergency Assistance Services are available to eligible Visa Signature cardholders at no additional 
   charge.  
   Please Note: Travel and Emergency Assistance Services provide assistance and referral only. You are responsible 
   for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.  
   What are the specific services and how can they help me?  
      �  Emergency Message Service can record and relay emergency messages for travelers, their immediate 
        family members, or business associates. Please Note: The Benefit Administrator will use reasonable efforts 
        to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take 
        responsibility for the failure to transmit any message successfully. 
      �  Medical Referral Assistance provides medical referral, monitoring, and follow-up. The Benefit Administrator 
        can give you names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by 
        phone with local medical personnel, if necessary, to monitor your condition; keep in contact with your family, 
        and provide continuing liaison; and help you arrange medical payments from your Visa Signature or personal 
        account. Please Note: All costs are your responsibility. 
      �  Legal Referral Assistance can arrange contact with English-speaking attorneys and U.S. embassies and 
        consulates if you�re detained by local authorities, have a car accident, or need legal assistance. In addition, 
        the Benefit Administrator can coordinate bail payment from your Visa Signature or personal account. The 
        Benefit Administrator can also follow up to make sure bail has been properly handled. Please Note: All costs 
        are your responsibility. 
      �  Emergency Transportation Assistance can help you make all the necessary arrangements for emergency 
        transportation home or to the nearest medical facility. This includes arranging to bring your young children 
        home and helping you stay in contact with family members or employers during the emergency. In the case of 
        a death, the Benefit Administrator can make arrangements to repatriate the remains. Please Note: All costs 
        are your responsibility. 
      �  Emergency Ticket Replacement helps you through your carrier�s lost ticket reimbursement process and 
        assists in the delivery of a replacement ticket to you should you lose your ticket. Please Note: All costs are 
        your responsibility. 
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      �  Lost Luggage Locator Service can help you through the common carrier�s claim procedures or can arrange 
        shipment of replacement items if an airline or common carrier loses your checked luggage.. Please Note: You 
        are responsible for the cost of any replacement items shipped to you. 
      �  Emergency Translation Service provides telephone assistance in all major languages and helps find local 
        interpreters, if available, when you need more extensive assistance. Please Note: All costs are your 
        responsibility. 
      �  Prescription Assistance and Valuable Document Delivery Arrangements can help you fill or replace 
        prescriptions, subject to local laws, and can arrange pickup and delivery of prescriptions filled for you at local 
                                                                  of  
        pharmacies. It can also help transport critical documents that you may have left at your home or elsewhere. 
        Please Note: All costs are your responsibility.  
      �  Pre-Trip Assistance can give you information on your destination before you leave�such as ATM locations, 
        currency exchange rates, weather reports, health precautions, necessary immunizations, and required 
        passport visas. 
   ADDITIONAL PROVISIONS FOR TRAVEL AND EMERGENCY ASSISTANCE SERVICES  
   The benefit described in this Guide to Benefits will not apply to Visa Signature cardholders whose accounts have 
   been suspended or canceled. The terms and conditions contained in this Guide to Benefits may be modified by 
   subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to 
   Benefits mailings, statement inserts, or statement messages.  
  FORM #VTEAS � 2013 (Stand 04/16)     TEAS-S  
   Auto Rental Collision Damage Waiver                         
   What is the Auto Rental Collision Damage Waiver (�Auto Rental CDW�) benefit?   
   The Auto Rental Collision Damage Waiver (�Auto Rental CDW�) benefit offers insurance coverage for automobile 
   rentals made with your Visa Signature card. The benefit provides reimbursement (subject to the terms and conditions 
   in this guide) for damage due to collision or theft up to the actual cash value of most rental vehicles.   
   Who is eligible for this benefit?   
   You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa Signature card issued 
   in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto 
   rental agreement are covered.   
   What losses are covered?   
   The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most 
   private passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply.  
   Please contact the Benefit Administrator to inquire about a specific vehicle.   
   Covered losses include:   
      �  Physical damage and/or theft of the covered rental vehicle 
      �  Valid loss-of-use charges imposed and substantiated by the auto rental company 
      �  Reasonable and customary towing charges, due to covered theft or damage, to the nearest qualified repair 
        facility 
   Please Note: This benefit only covers vehicle rental periods that neither exceed nor are intended to exceed fifteen 
   (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of 
   residence. 
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   How does this coverage work with other insurance?  
   Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible insurance 
   or reimbursement from any source. This means that, subject to the terms and conditions of this benefit, Auto Rental 
   CDW applies to eligible theft or damage or expenses that are not covered by insurance or reimbursement.   
   If you do not have personal automobile insurance or any other insurance covering this theft or damage, this 
   benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use charges 
   imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the 
   rental vehicle.   
   If you do have personal automobile insurance or other insurance covering this theft or damage, the Auto Rental 
   CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any unreimbursed 
   portion of valid administrative and loss-of-use charges imposed by the auto rental company, as well as reasonable 
   towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility.   
   What types of rental vehicles are not covered?   
   The following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles; cargo vans; 
   certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and 
   recreational vehicles.   
      �  Examples of excluded expensive or exotic automobiles include: the Aston Martin, Bentley, Bricklin, 
        Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. 
        However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered. 
      �  An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been 
        manufactured for ten (10) years or more. 
      �  Vans are not covered, with the exception of those manufactured and designed specifically as small group 
        transportation vehicles (for a maximum of nine (9) people including the driver). 
   For questions about a specific vehicle, call the Benefit Administrator at 1-800-397-9010. If you are outside the 
   United States, call collect at 303-967-1093.   
   What else is not covered?  
      �  Any obligation you assume under any agreement (other than the deductible under your personal auto policy) 
        ? Any violation of the auto rental agreement or this benefit 
      �  Injury of anyone or damage to anything inside or outside the rental vehicle 
      �  Loss or theft of personal belongings 
      �  Personal liability 
      �  Expenses assumed, waived, or paid by the auto rental company or its insurer 
      �  Cost of any insurance or collision damage waiver offered by or purchased through the auto rental company 
      �  Depreciation of the rental vehicle caused by the incident including, but not limited to �diminished value� 
      �  Expenses reimbursable by your insurer, employer, or employer�s insurance 
      �  Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, 
        intoxicants, or drugs, or due to contraband or illegal activities 
      �  Wear and tear, gradual deterioration, or mechanical breakdown 
      �  Items not installed by the original manufacturer 
      �  Damage due to off-road operation of the rental vehicle 
      �  Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, 
        or terrorist activities) 
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      �  Confiscation by authorities 
      �  Vehicles that do not meet the definition of covered vehicles 
      �  Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within your country 
        of residence or thirty-one (31) consecutive days outside your country of residence 
      �  Leases and mini leases ? Theft or damage as a result of the authorized driver�s and/or cardholder�s lack of 
        reasonable care in protecting the rental vehicle before and/or after damage occurs (for example, leaving the 
        vehicle running and unattended) 
      �  Theft or damage reported more than forty-five (45) days* from the date of the incident 
      �  Theft or damage for which a claim form has not been received within ninety (90) days* from the date of the 
        incident 
      �  Theft or damage for which all required documentation has not been received within three hundred and 
        sixtyfive (365) days from the date of the incident 
      �  Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or 
        Northern Ireland 
    
   Where am I covered?  
   This benefit is available in the United States and most foreign countries. However, no benefit is provided for motor 
   vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, this benefit is not 
   available where precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by 
   individual merchants. Because regulations vary outside the United States, it is recommended you check with 
   your auto rental company and the Benefit Administrator before you travel to make sure Auto Rental CDW will 
   apply.   
   This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver 
   permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto rental 
   company. This benefit terminates when the auto rental company re-assumes control of the rental vehicle.   
   How do I make sure my Auto Rental CDW benefit is in effect?   
   To be sure you are covered, take the following steps when you rent a vehicle:  
           1.  Initiate and complete the entire rental transaction with your eligible Visa Signature card. 
           2.  Decline the auto rental company�s collision damage waiver (CDW/LDW) option or similar provision. 
   Helpful tips:  
      �  Be sure to check the rental vehicle for prior damage before leaving the rental lot. 
      �  Review the auto rental agreement carefully to make sure you are declining CDW/LDW and are familiar with 
        the terms and conditions of the auto rental agreement. 
   What if the auto rental company insists that I purchase the auto rental company�s auto insurance or collision 
   damage waiver?   
   Call the Benefit Administrator for help at 1-800-397-9010. If you are outside the United States, call collect at 
   303967-1093. 
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   Filing an Auto Rental CDW Claim  
   What do I do if I have an accident or the rental vehicle is stolen?   
   Immediately call the Benefit Administrator at 1-800-397-9010 to report the theft or damage regardless of whether your 
   liability has been established. If you are outside the United States, call collect at 303-967-1093. The Benefit 
   Administrator will answer any questions you or the auto rental company may have and will send you a claim form.   
   When should I report an incident?   
   You should report theft or damage as soon as possible, but no later than forty-five (45) days* from the date of 
   the incident. The Benefit Administrator reserves the right to deny any claim that contains charges that would not 
   have been included had the Benefit Administrator been notified before those expenses were incurred, so you are 
   advised to notify the Benefit Administrator immediately after any incident.  
   Please Note: You must make every reasonable effort to protect the rental vehicle from theft or damage.  As the 
   cardholder you are responsible for reporting your claim to the Benefit Administrator immediately. Reporting an 
   incident to someone other than the Benefit Administrator will not fulfill this obligation.  
   What do I need from the auto rental company in order to file a claim?   
   At the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental company for:  
      �  A copy of the accident report form and claim document, which should indicate the costs you are responsible 
        for and any amounts that have been paid toward the claim 
      �  A copy of the initial and final auto rental agreement(s) 
      �  A copy of the repair estimate and itemized repair bill 
      �  Two (2) photographs of the damaged vehicle, if available 
      �  A police report, if obtainable 
   How do I file a claim?   
   Submit the documents gathered from the auto rental company (listed above) along with the following additional 
   documents to the Benefit Administrator:   
      �  The completed and signed Auto Rental CDW claim form. Please Note: Your completed claim form must be 
        postmarked within ninety (90) days* of the date of the theft or damage, even if all other required 
        documentation is not yet available, or your claim may be denied. 
      �  A copy of your receipt or monthly billing statement as proof that the entire vehicle rental was charged and paid 
        for with your eligible Visa Signature card. 
      �  A statement from your insurance carrier (and/or your employer or employer�s insurance carrier, if applicable) 
        or other reimbursement showing the costs for which you are responsible and any amounts that have been 
        paid toward the claim. Or, if you have no applicable insurance or reimbursement, a notarized statement of no 
        insurance or reimbursement is required. 
      �  A copy of your automobile insurance policy's Declarations Page. �Declarations Page� means the document(s) 
        in your insurance policy that lists names, coverages, limits, effective dates and deductibles. 
      �  Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim. 
   Please Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days of the date 
   of theft or damage. If you have difficulty obtaining the required documents within ninety (90) days* of the date of theft 
   or damage, submit the claim form with available documentation.   
   For faster filing, or to learn more about Auto Rental CDW, visit www.eclaimsline.com  
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   Do I have to do anything else?   
   Usually there is nothing else you need to do. Typically, claims will be finalized within fifteen (15) days after the Visa 
   Signature Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your 
   claim.   
   After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this 
   theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to you. You 
   must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.   
   * Not applicable to residents of certain states. 
   ADDITIONAL PROVISIONS FOR AUTO RENTAL CDW  
   You must make every effort that would be made by a reasonable and prudent person to protect the rental vehicle 
   from theft or damage. This provision will not be unreasonably applied to avoid claims.   
   If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair 
   services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder agrees that 
   representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any 
   case of fraud, intentional concealment, or misrepresentation of material fact.   
   Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of 
   the incident/occurrence. No payment will be made on a claim that is not completely substantiated in the manner 
   required by the Benefit Administrator within twelve (12) months of the date of the incident/occurrence.   
   No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof 
   of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no action shall 
   be brought to recover on this benefit. Further, no legal action may be brought against the Provider unless all the terms 
   of this Guide to Benefits have been complied with fully.   
   This benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions 
   contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and 
   conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement messages. The 
   benefit described in this Guide to Benefits will not apply to Visa Signature cardholders whose accounts have been 
   suspended or canceled.   
   Termination dates may vary by financial institution. Your financial institution can cancel or non-renew the benefit, and 
   if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit 
   provided to you as a Visa Signature cardholder. Indemnity Insurance Company of North America (�Provider�) is the 
   underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator 
   provides services on behalf of the Provider.  
   FORM #VARCDW � 2013 (Stand 04/16)   ARCDW-S  
                                                                
   Price Protection  
   What is this benefit?  
   Price Protection helps you save money on many products when you purchase them entirely with your eligible Visa 
   card and/or with rewards points covered on your covered account. If you buy an eligible item with your card and/or 
   with rewards points earned on your covered account in the United States and see it available for less in another retail 
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   store�s printed Advertisement within sixty (60) days of the Date of Purchase, the Benefit Administrator will refund the 
   difference up to $500.00 per item and up to $2,500 a year per eligible account.   
   Please Note: Price Protection is secondary to and in excess of store policies offering a lowest-price 
   guarantee or any other form of refund for price differences.  
   Who is eligible for this benefit?  
   You are eligible if you are a valid cardholder of an eligible U.S. issued Visa card, and a citizen and/or resident of the 
   United States.  
   How do I take advantage of this benefit?  
      1.  Use your eligible Visa card and/or with rewards points earned on your covered account to charge the full 
        amount of the eligible item. Save all original receipts; both your Visa card paperwork and the itemized store 
        receipt. 
      2.  If you see the identical product by the same manufacturer advertised in print for a lower retail price within sixty 
        (60) days of your purchase, keep the original printed Advertisement. Make sure the printed Advertisement 
        includes: 
      �  A description of the item that is identical to the one you purchased 
      �  The sale price 
      �  The store or dealer�s name 
      �  A sale date(s) effective within sixty (60) days of the Date of Purchase 
   Please Note: Only items advertised by authorized dealers in the United States apply. Price differences involving 
   manufacturer and/or merchant rebates, shipping and handling fees, and sales tax, if any, are not covered by the Price 
   Protection benefit.   
   What is not covered?  
   Price Protection does not cover the following:  
      �  Advertisements of cash-only sales, close-out sales, flea markets, fire sales, going-out-of-business sales, 
        limited-quantity promotions, liquidation sales or auctions. 
      �  Advertisements of sales of seasonal or discontinued items including, but not limited to, holiday decorations ? 
        Animals and living plants 
      �  Boats, automobiles, and any other motorized vehicles and their motors, equipment, or accessories 
      �  Cell phone service agreements and cell phone contracts 
      �  Items purchased for resale, professional, or commercial use 
      �  Jewelry, antiques, and collectible items, rare or one-of-a-kind items, special order items, custom items, or 
        tailored items 
      �  Manufacturer and/or merchant rebates 
      �  Perishables, services, consumables, and limited-life items including, but not limited to, rechargeable batteries 
      �  Real estate and items which are intended to become part of real estate including, but not limited to, items that 
        are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans 
      �  Traveler�s checks, cash, tickets, credit or debit cards, and any other negotiable instruments 
      �  Items purchased outside of the United States 
      �  Items that are previously owned, sold �as is,� and/or refurbished 
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   Definitions  
   Advertised or Advertisements means an advertisement printed in a newspaper, journal, magazine, or flyer 
   distributed in the United States to the general public and placed by a manufacturer or authorized dealer of the 
   consumer product in the United States. Advertisements that are cut down or altered in any way will not be accepted; 
   therefore, any advertisements, catalogs, etc. must be submitted in whole with date verification. The only exception is 
   advertisements in magazines and newspapers. In these cases, it�s not necessary to submit the whole publication; 
   only the whole page or pages in which the advertisement appears, with the date and name of the publication, is 
   required.   
   Date of Purchase means the date you paid for and received the item, or the date of delivery and personal 
   acceptance of the item, whichever is later.  
   Filing a Price Protection Claim  
   How do I file a Price Protection claim?  
   Call the Benefit Administrator at 1-800-553-7520, or call collect outside the U.S. at 303-967-1096 within ten (10) 
   days of the printed Advertisement showing your product at the lower price.   
   You will receive a claim form with instructions on how to file your claim. Follow the instructions and return the 
   completed claim form along with:  
      �  The original itemized sales receipt 
      �  The original Visa card receipt demonstrating that the entire purchase was made on your eligible card and/or 
        with rewards points earned on your covered account 
      �  The original printed Advertisement showing the item, sale date and/or date of the Advertisement, lower 
        advertised price, and advertising store name to: 
                            Card Benefit Services  
                            P.O. Box 110889  
                            Nashville, TN 37222  
   For faster filing, or to learn more about Price Protection, visit www.cardbenefitservices.com  
   How will I be reimbursed?  
   Return the form with the required documents within twenty (20) days of contacting the Benefit Administrator for a 
   claim form. If your claim is approved, the Benefit Administrator will issue you a refund for the difference in the price, 
   up to a maximum of $500.00 per item. If your documentation is not complete, the Benefit Administrator will request 
   additional information, which must be supplied within sixty (60) days of the request.  
   ADDITIONAL PROVISIONS FOR PRICE PROTECTION  
   The Price Protection benefit is supplemental to, and excess of, any valid and collectible avenue of recovery that is 
   available to you, the eligible Visa cardholder. The Benefit Administrator will refund the excess amount once all other 
   coverage has been exhausted up to the limit of liability.   
   This benefit is available only to you, the eligible Visa cardholder.  
   If you make any claim knowing it to be false or fraudulent, no coverage shall exist for such claim and your benefits 
   may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any 
   and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material 
   fact.  
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   Once you report a claim, a claim file will be opened and shall remain open for sixty (60) days from the date you 
   reported the claim. No payment will be made on a claim that is not completely substantiated in the manner required 
   by the Benefit Administrator within seventy (70) days of the date of the printed Advertisement.  
   After the Benefit Administrator has paid your claim, all rights and remedies against any party in respect of this loss will 
   be transferred to the Benefit Administrator to the extent of the cost of payment made to you. You must give the 
   Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.  
   No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof 
   of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of  
   Loss. Further, no legal action may be brought against the Provider unless all the terms of this Guide to Benefit have 
   been complied with fully.  
   This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this 
   Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be 
   provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in 
   this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled.  
   Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew this benefit, 
   and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit 
   provided to you as a Visa cardholder. Indemnity Insurance Company of North America (�Provider�) is the underwriter 
   of this benefit and is solely responsible for its administration and claims. The Benefit Administrator provides services 
   on behalf of the Provider.    
   FORM #VPRICEPROT � 2013 (04/16)    PP-O  
   Return Protection  
   What is this benefit?   
   Return Protection is coverage that will reimburse you for the cost of an eligible item of personal property within ninety 
   (90) days of the date it was purchased entirely with your eligible Visa card and/or with rewards points earned on your 
   covered account if you are not satisfied with it and the retailer won�t allow it to be returned. 
   Who is eligible for this benefit?  
   You are eligible for this benefit if you are a valid cardholder of an eligible Visa card issued in the United States.  
   What is covered?  
   Eligible items of personal property purchased entirely with your eligible Visa card and/or with rewards points earned 
   on your covered account are covered for reimbursement up to two hundred and fifty dollars ($250.00) per item at an 
   annual maximum of one thousand dollars ($1,000.00) per account. Eligible items are automatically covered when 
   purchased with your card�they do not need to be registered to qualify for coverage.  
   What types of items are not covered?  
      �  Animals and living plants 
      �  Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories 
        including trailers and other items that can be towed by or attached to any motorized vehicle 
      �  Cash, bullion, travelers checks, tickets, credit or debit cards, and any other negotiable instruments ? 
        Computer software 
      �  Damaged/non-working items 
      �  Formal attire including, but not limited to, cocktail dresses, tuxedos, gowns, and formal accessories 
      �  Items purchased for resale, professional, or commercial use 
      �  Items purchased outside of the United States 
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      �  Items that have been altered 
      �  Jewelry, art objects, rare or precious coins or stamps, antiques, and collectible items ? Medical equipment 
      �  Perishables, consumables and limited-life items including, but not limited to, rechargeable batteries 
      �  Real estate and items which are intended to become part of real estate including, but not limited to, items that 
        are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans 
      �  Seasonal items including, but not limited to, holiday decorations 
   What if the store offers a guarantee?  
   This benefit is designed to cover you if the store will not allow you to return the item for a refund, exchange or credit. 
   Please Note: If you file a claim within the first 30 days of purchase, you may be asked to submit proof of the store�s 
   return policy.  
    Filing a Return Protection Claim  
   How do I file a claim?  
      1.  If you�re not satisfied with a purchase made with your Visa card and/or with rewards points earned on your 
        covered account and the item cannot be returned, call the Benefit Administrator at 1-888-565-8472, or call 
        collect outside the U.S. at 303-967-1096 within ninety (90) days of the date of purchase. The customer 
        service representative will ask you for some preliminary information about your claim and send you a claim 
        form. 
      2.  Within thirty (30) days of the date of your call, return the completed claim form with your original itemized 
        sales receipt and original Visa card receipt showing that the entire purchase was made with your card and/or 
        with rewards points earned on your covered account to: 
                       Card Benefit Services  
                       P.O. Box 110889  
                       Nashville, TN 37222  
      3.  A customer service representative will contact you after receiving your claim paperwork. If additional 
        documents are requested, you will have an additional sixty (60) days to fulfill that request. After the claim 
        paperwork is complete, you will be given instructions for shipping the item with its original packaging and any 
        applicable manuals and warranties to Card Benefit Services at your expense. Please Note: The item must 
        be received in like-new/good working condition for your claim to be approved. 
   For faster filing, or to learn more about Return Protection, visit www.cardbenefitservices.com  
   How will I be reimbursed?  
   After your claim is approved and the item has been received, the Benefit Administrator will issue a refund for the 
   purchase price of the item, up to a maximum of two hundred and fifty dollars ($250.00) per eligible item, one thousand 
   dollars ($1,000.00) annual maximum per account, less any applicable shipping and handling fees.  
    ADDITONAL PROVISIONS FOR RETURN PROTECTION  
   The Return Protection benefit is supplemental to, and excess of, any valid and collectible avenue of recovery 
   available to you, the eligible Visa cardholder. The Benefit Administrator will refund the excess amount once all other 
   coverage has been exhausted up to the limit of liability.  
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   This benefit is available only to you, the eligible Visa cardholder.  
   If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim and 
   your benefit may be canceled. Each cardholder agrees that representations regarding claims will be accurate and 
   complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or 
   misrepresentations of material fact.  
   After the Benefit Administrator has paid your claim, all rights and remedies against any party in respect of this loss will 
   be transferred to the Benefit Administrator to the extent of the payment made to you. You must give the Benefit 
   Administrator all assistance as may reasonably be required to secure all rights and remedies.  
   No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof 
   of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of 
   Loss. Further, no legal action may be brought against the Provider unless all the terms of this Guide to Benefit have 
   been complied with fully.  
   This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this 
   Guide to Benefit may be modified by subsequent endorsements. Modifications to terms and conditions may be 
   provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in 
   this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled. 
   Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefit, 
   and they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit 
   provided to you as a Visa cardholder. Indemnity Insurance Company of North America (�Provider�) is the underwriter 
   of this benefit and is solely responsible for its administration and claims. The Benefit Administrator provides services 
   on behalf of the Provider.  
   FORM #VRETPRO � 2013 (04/16)   RP-O  
   For more information about the benefits described in this guide, call the Benefit Administrator at 1-800-
   3979010, or call collect outside the U.S. at 303-967-1093.  
   � 2016 Visa. All Rights Reserved.  
                                HAPO COMMUNITY CREDIT UNION  
                       MASTER DISCLOSURE FOR ALL TRAVEL INSURANCE PROVISIONS  
                   WORLDWIDE AUTOMATIC TRAVEL ACCIDENT & BAGGAGE DELAY INSURANCE  
   THE PLAN: As an HAPO Community Credit Union 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 
   Visa Signature account. If the entire cost of the passenger fare has been charged to your Visa Signature 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 account.  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. This coverage does not include Commutation which is defined as travel between the Insured Person�s residence and regular place of 
   employment.  
   IMPORTANT DEFINITIONS: Accident or Accidental means a sudden, unforeseen, and unexpected event happening by chance. Dependent  
   Child(ren) means those children, including adopted children and children placed for adoption, who are primarily dependent upon the Insured 
   Person for maintenance and support and who are: 1) under the age of twenty-five (25) and reside with the Insured Person: or 2) beyond the age 
   of twenty-five (25), permanently mentally or physically challenged, and incapable of self-support; or 3) under the age of twenty-five (25) and 
   classified as a full-time student at an institute 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 
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   primary insured person; and 4) has been jointly responsible with the primary insured person for each other�s financial obligations, and who intends 
   to continue the relationship above indefinitely.  
   THE BENEFITS: The full Benefit Amount of $1,000,000 for cardholder, $500,000 for spouse, $50,000 for each dependent child 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 Visa Signature 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 times the Benefit Amount for loss of life. Benefits will be proportionately divided among the 
   Insured Persons up to the maximum limit of insurance.  
   BENEFIT AMOUNTS  
   Travel Accident Benefit $500,000 Baggage Delay   $300  
   BAGGAGE DELAY: We will reimburse the Insured Person up to the Daily Benefit Amount of $100 per day for 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; 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 HAPO Community Credit Union cardholders automatically when the entire cost of the 
   passenger fare(s) are charged to a Visa Signature account while the insurance is effective.  It is not necessary for you to notify HAPO Community 
   Credit Union, the administrator or the Company when tickets are purchased.  
   THE COST: This travel insurance plan is provided at no additional cost to eligible cardholders.  
   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; 4) travel between the Insured Person�s residence and regular place of employment. 
   This insurance also does not apply to an accident occurring while an Insured is in, entering, or exiting any aircraft owned, leased, or operated by 
   HAPO Community Credit Union; or any aircraft while 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.  
   TRIP CANCELLATION/TRIP INTERRUPTION  
   Benefit Amount $3,000   
   WHO IS COVERED:  Cardholder, spouse/domestic partner and unmarried dependent children under age 25.  
   IMPORTANT DEFINITIONS:  Dependent child(ren) means unmarried children, including adopted children, those children placed for adoption, and 
   step-children, who are primarily dependent upon the insured for maintenance and support and who are under the age of twenty-five (25) and 
   reside with the insured; beyond the age of twenty-five (25) who are permanently mentally or physically challenged and incapable of selfsupport; 
   or up to the age of twenty-five (25), if classified as a full-time student at an institution of higher learning.  
   Common carrier means any licensed land, air, or water conveyance operated by those whose occupation or business is the transportation of 
   persons or things without discrimination and for hire.   
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   Covered loss means death, accidental injury, disease, or physical illness of the insured person or an immediate family member of the insured 
   person; or default of the common carrier resulting from financial insolvency. The death, accidental injury, disease, or physical illness must be 
   verified by a physician and must prevent the insured person from traveling on a covered trip.  
   Covered trip means a trip, for which common carrier costs (other than taxi) are charged to the insured person�s credit card account.  
   Financial insolvency means the inability of the entity to provide travel services because it has ceased operations, either following the filing of a 
   petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operation as a result of a denial of credit or the inability to meet 
   financial obligations.  
   Immediate family member means the Insured Person�s (1) spouse; (2) children, including adopted children or stepchildren; (3) legal guardians or 
   wards; (4) siblings or siblings-in-law; (5) parents or parents-in-law; (6) grandparents or grandchildren; (7) aunts and uncles; (8) nieces and 
   nephews.  Immediate Family Member also means spouse�s children, including adopted children or step children; legal guardians or wards; siblings 
   or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts and uncles; nieces and nephews.   
   Whenever the term spouse is used, the term includes a domestic partner who is at least 18 years of age and who, during the past 12 months (1) 
   has been in a committed relationship with the primary cardholder, (2) has been the cardholder�s sole spousal equivalent, (3) has resided in the 
   same household as the cardholder, and (4) has jointly been responsible with the cardholder for each other�s financial obligations and who intends 
   to continue the relationship indefinitely.  
   Non-refundable means the amount of money paid by or on behalf of the insured person for a covered trip which will be forfeited under the terms 
   of the agreement made with the common carrier for unused travel arrangements and for which a travel agent or travel supplier will not provide 
   any other form of compensation.  
   Pre-existing condition means accidental injury, disease, or illness of the insured person or immediate family member of the insured person which 
   occurs or manifests itself during the sixty (60) day period immediately prior to the purchase date of common carrier passenger fare(s). Disease or 
   illness has manifested itself when: (1) medical care or treatment has been given; or (2) there exist symptoms that would cause a reasonably 
   prudent person to seek medical diagnosis, care, or treatment. The taking of prescription drugs or medication for a controlled condition throughout 
   this sixty (60) day period will not be considered to be a manifestation of illness or disease.  
   Trip cancellation means the cancellation of common carrier travel arrangements when the insured person is prevented from traveling on a covered 
   trip on or before the covered trip departure.  
   Trip interruption means the insured person�s covered trip is interrupted either on the way to the point of departure or after the covered trip departure.   
   TO QUALIFY FOR COVERAGE:  You must charge the entire cost of the passenger fare(s) to the covered account, less redeemable certificates, 
   vouchers, coupons, or free flights awarded from frequent flier cards.  
   WHAT IS COVERED:  If a covered cardholder must cancel or interrupt a trip due to a covered loss, the policy will pay up to a maximum benefit 
   of $1,500 per trip to reimburse the cardholder for non-refundable expenses incurred. The cardholder must relinquish any unused vouchers, tickets, 
   coupons, or travel privileges for which he or she has been reimbursed. Covered trip means a trip for which common carrier costs (other than taxi) 
   are charged to the insured person�s credit card account.  
   WHAT IS NOT COVERED: This insurance does not apply to loss caused by or resulting from:   
   A pre-existing condition.  
   Accidental bodily injuries arising from participation in interscholastic or professional sports events, racing or speed contests, or uncertified scuba 
   diving.   
   Cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of a loss covered under this policy.  
   The insured or an immediate family member being under the influence of drugs (except those prescribed and used as directed by a physician) or 
   alcohol.   
   The insured or an immediate family member: a) traveling against the advice of a physician; or b) traveling while on a waiting list for specified 
   medical treatment; or c) traveling for the purpose of obtaining medical treatment; or d) traveling in the third trimester (seventh month or after) of 
   pregnancy.   
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   Loss caused by or resulting from an insured person�s emotional trauma, mental or physical illness, disease, pregnancy, childbirth, or miscarriage; 
   bacterial or viral infection; or bodily malfunctions, except physical illness or disease that prevents the insured person from traveling on a covered 
   trip.   
   This exclusion does not apply to loss resulting from an insured person�s bacterial infection caused by an accident or from accidental consumption 
   of a substance contaminated by bacteria.  
   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.  
   EFFECTIVE DATE: This insurance is effective the date you first become an eligible insured and will cease on the date the master policy terminates 
   (in which case you will be notified by the Policyholder), or on the date you no longer qualify as an eligible Insured, or on the expiration date of the 
   applicable coverage period for the Insured, whichever occurs first.  
   The coverage period will not exceed thirty-one (31) consecutive days, or forty-five (45) consecutive days if the Insured is an employee of an 
   organization which has provided an Account card to the Insured for business use.  
   As a handy reference guide, please read this and keep 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 statues, 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.  To make a claim please contact the Plan Administrator.  
   Plan Underwritten By  
   Federal Insurance Company  
   A member insurer of the  
   Chubb Group of Insurance Companies  
   15 Mountain View Road, P.O. Box 1615  
   Warren, NJ 07061-1615  
   Plan Administrator  
   The Direct Marketing Group, Inc.  
            th 9931 South 136  Street  
   Suite 100  
   Omaha, NE  68138  
   1-800-337-2632 
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