GUIDE TO 
         BENEFITS
                  �
          DINERS CLUB  CARD ELITE 
          CARDHOLDER BENEFITS
    IMPORTANT INFORMATION. 
    PLEASE READ AND SAVE.
    This Guide to Bene?ts contains detailed information about extensive travel, 
    insurance, and retail protection services you can access as a preferred 
    cardholder. These programs and coverages apply to travel and retail 
    purchases made on or after November 1, 2020. This Guide supersedes  
    any guide or program description you may have received earlier.
    To ?le a claim or for more information on any of these services, 
    call the Mastercard Assistance Center at 1-800-Mastercard or 
    en Espanol: 1-800-633-4466.
    �Card� refers to Diners Club Card Elite card and �Cardholder� refers 
    to a Diners Club Card Elite cardholder.  
    DINERS CLUB CARD ELITE GUIDE TO BENEFITS
    BMO Harris Bank N.A.
   Key Terms
   You and Your refer to the cardholder or authorized user of the covered 
   card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG 
   company. Other words and phrases that appear in bold have special meaning. 
   Administrator means Sedgwick Claims Management Services, Inc., 
   you may contact   the administrator if you have questions regarding this 
   coverage or would like to make a claim. The administrator can be reached 
   by phone at 1-800-Mastercard.
   Assistance Center shall mean the designated assistance teams trained 
   to provide customer services and coordination of qualified local providers to 
   travelers in real time.
   Authorized driver(s) means a driver with a valid driver�s license issued 
   from their state of residence and indicated on the rental agreement.
   Authorized User means an individual who is authorized to make 
   purchases on the covered card by the cardholder and is recorded by the 
   participating organization on its records as being an authorized user.
   Cardholder means the person who has been issued an account by the 
   participating organization for the covered card.
   Carry-on luggage means suitcases or other containers specifically 
   designated for carrying personal property, which are carried on board a 
   common carrier by you.
   Charge means any non-refundable cancellation or change fee imposed by 
   the common carrier.
   Checked luggage means suitcases or other containers specifically 
   designated for carrying personal property, for which a claim check has been 
   issued to you by a common carrier.
   Common carrier means an air, land, or water motorized transportation 
   carrier operating under a regularly published schedule and current license as 
   required by law for the conveyance of passengers. Common carrier does not 
   include helicopters, taxis, rental cars, hired cars, and private and contract carriers.
   Covered card means the active and valid Mastercard-branded Diners Club 
   Card Elite payment card.
   Damage means items that can no longer perform the function they were 
   intended to do in normal service due to broken parts, material or structural failures. 
   Eligible cellular wireless telephones means the cellular telephones 
   associated with the primary line and additional statement from a cellular provider 
   for the billing cycle preceding the month in which the theft or damage occurred.
   Eligible Person means a Cardholder who charges his or her monthly bill for 
   an eligible cellular wireless telephone to his or her Covered Card. No person or 
   entity other than the eligible person(s) described shall have any legal or equitable 
   right, remedy or claim for the insurance proceeds arising out of this coverage.
   Evidence of Coverage (EOC) means the summary of benefits set forth 
   below which describe the terms, conditions, limitations and exclusions of the 
   coverage provided to you at no additional charge under the group policy. 
   Representations or promises made by anyone that are not contained in the 
   group policy are not part of your coverage. In the event the EOC, Key Terms, 
   or Legal Disclosures of this Guide to Benefits conflict with the provisions of the 
   group policy, the terms of the group policy govern your coverage.
   Family Member means the spouse or domestic partner of you. It includes 
   unmarried children of you under nineteen (19) years of age. It also includes 
   unmarried children under twenty-six (26) years of age if a full-time student at 
   an accredited college or university.
   Injury means bodily injury caused by an accident that occurs while you are 
   covered under this program, and results directly and independently of all other 
   causes of loss. The injury must be verified by a physician.
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   Lost means luggage (including personal property contained within) that is 
   missing for 10 consecutive days and whose whereabouts are unknown to you 
   or the common carrier.
   Medically imposed restrictions means a restriction certified by your 
   physician prohibiting you from traveling on a common carrier.
   Physician means a licensed medical, surgical, or dental practitioner acting 
   within the scope of his or her license. The treating physician may not be you, 
   your family member, a traveling companion or related to you by blood.
   Pre-existing medical condition means any condition resulting from any 
   injury or sickness affecting you, a traveling companion, or a family member traveling 
   with you within the sixty (60) day period prior to the purchase date of your trip. 
   The condition must have (a) first manifested itself or exhibited symptoms which 
   would have caused one to seek diagnosis, care, or treatment; (b) required taking 
   prescribed drugs or medicine; or (c) required medical treatment or treatment was 
   recommended by a physician. Taking maintenance medications for a condition that 
   is considered stable shall not be included as a pre-existing medical condition.
   Rental agreement means the entire agreement or contract that you 
   receive when renting a vehicle from a vehicle rental agency that describes in 
   full all of the terms and conditions of the rental, as well as the responsibility of 
   all parties under the rental agreement.
   Return destination means the place to which you expect to return from 
   your trip as indicated on your common carrier ticket.
   Sickness means an illness or disease that is diagnosed or treated by a physician.
   Stolen means items that are taken by force and/or under duress or the 
   disappearance of the item from a known place under circumstances that 
   would indicate the probability of theft.   
   Traveling companion means any individual(s) with whom you have 
   arranged to travel on the same trip with the same itinerary and for which the 
   cost of the trip was charged with your covered card. 
   Trip means a scheduled period of travel with a destination and return 
   destination away from your primary residence using a common carrier.
   Trip departure date means the date on which you are originally 
   scheduled to leave on your trip. 
   Trip completion date means the date on which you are scheduled to 
   return to the return destination. 
   United States Dollars (USD) means the currency of the United States 
   of America.
   Vehicle means a land motor vehicle with four wheels that is designed for 
   use on public roads and intended for use on a bound surface such as concrete 
   and tarmac. This includes minivans and sport utility vehicles that are designed 
   to accommodate less than nine (9) passengers.
   MasterRental
   Various provisions in this document restrict coverage. Read carefully to determine 
   all rights and duties and what is and is not covered. Please see the �Key Terms� 
   section for the terms used throughout this benefit.
   Evidence of Coverage 
   This EOC replaces all prior disclosures, program descriptions, advertising, and brochures 
   by any other party. We reserve the right to change the benefits and features of these 
   programs at any time. Notice will be provided for any changes. Pursuant to the below 
   terms and conditions herein, when you rent a vehicle for thirty-one (31) consecutive 
   days or less with your covered card, you are eligible for benefits hereunder.
   A. To get coverage:
   �  You must initiate and then pay for the entire rental agreement 
    (tax, gasoline, and airport fees are not considered rental charges) with your 
   Guide to Benefits             2
    covered card and/or the accumulated points from your covered card at the 
    time the vehicle is returned. If a rental company promotion/discount of any 
    kind is initially applied toward payment of the rental vehicle, at least one (1) 
    full day of rental must be billed to your covered card.
   �  You must decline the optional collision/damage waiver (or similar coverage) 
    offered by the rental company.
   �  You must rent the vehicle in your own name and sign the rental agreement.
   �  Your rental agreement must be for a rental period of no more than 
    thirty-one (31) consecutive days. Rental periods that exceed or are intended 
    to exceed thirty-one (31) consecutive days are not covered.
   B. The kind of coverage you receive:
   We will pay for the following on a secondary basis:
   �  Physical damage and theft of the vehicle, not to exceed the limits outlined below.
   �  Reasonable loss of use charges imposed by the vehicle rental company for the 
    period of time the rental vehicle is out of service. Loss of use charges must be 
    substantiated by a location and class specific fleet utilization log.
   �  Towing charges to the nearest collision repair facility.
   This coverage is not all-inclusive, which means it does not cover such things as personal 
   injury, personal liability, or personal property. It does not cover you for any damages to 
   other vehicles or property. It does not cover you for any injury to any party.
   C. Coordination of Benefits:
   When coverage hereunder is provided on a secondary basis and a 
   covered loss has occurred, the order in which benefits are determined 
   shall be made as follows:
   1. You or an authorized driver�s primary auto insurance;
   2. Collision/damage waiver provided to you by the rental agency;
   3. Any other collectible insurance;
   4. The coverage provided under this EOC.
   If you or an authorized driver�s primary auto insurance or other coverage 
   has made payments for a covered loss, we will cover your deductible and any 
   other eligible amounts, described under the kind of coverage you receive, not 
   covered by the other insurance.
   Note: In certain parts of the United States and Canada losses to rental 
   vehicles that are covered by your personal vehicle liability insurance policy 
   may not be subject to a deductible, which means that you may not be eligible 
   to receive any coverage under this program. Contact your insurance provider 
   for full coverage details pertaining to your personal vehicle liability insurance 
   policy (or similar coverage).
   If you do not have other insurance or your insurance policy does not cover 
   you in territories or countries outside of the United States, coverage is 
   considered primary coverage subject to any applicable economic and trade 
   sanctions conditions.
   D. Who is covered:
   The covered card cardholder and those designated in the rental 
   agreement as authorized drivers.
   E. Excluded Vehicles:
   This coverage does not apply to any:
   � Vehicles not required to be licensed.
   �  All full-size vans mounted on truck chassis (including, but not limited to, Ford 
    EconoVan), cargo vans, campers, off-road vehicles, and other recreational 
    vehicles.
   �  Trailers, motorbikes, motorcycles, and any other vehicle having fewer than 
    four (4) wheels.
   �  Antique vehicles (vehicles that are more than twenty (20) years old or have 
    not been manufactured for at least ten   (10) years), or limousines.
   F. Where you are covered: 
   Coverage is available worldwide; provided coverage is not available in 
   countries where: 
   � This EOC or the group policy is prohibited by that country�s law;
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   �  The terms of the EOC or the group policy are in conflict with the laws of 
    that country.
   In addition, we shall not be deemed to provide coverage and we shall not be 
   liable to pay any claim or provide any benefit under the group policy to the extent 
   that the provision of such coverage, payment of such claim or provision of such 
   benefit would expose us, our parent company or its ultimate controlling entity to 
   any sanction, prohibition or restriction under United Nations resolutions or the 
   trade or economic sanctions, laws or regulations of the European Union or the 
   United States of America. Wherever coverage provided by this policy would be in 
   violation of any economic or trade sanctions, such coverage shall be null and void.
   G. Coverage limitations:
   We will pay the lesser of the following:
   �  Reasonable and customary charges of repair or the actual repair amount;
   �  Wholesale market value less salvage and depreciation;
   �  The rental agencies purchase invoice less salvage and depreciation;
   �  The contractual liability assumed by you or an authorized driver of the rental 
    vehicle; or
   �  The actual cash value.
   In addition, coverage is limited to $500 per incident for the reasonable loss of 
   use charges imposed by the vehicle rental company for the period of time the 
   rental vehicle is out of service. We will not pay for or duplicate the collision/
   damage waiver coverage offered by the rental agency. 
   H. What is NOT covered:
   This coverage does not apply to:
   �  Any personal item actually or allegedly stolen from the interior or exterior 
    of rental vehicles.
   �  Vehicle keys or portable Global Positioning Systems (GPS).
   �  Vehicles not rented by the cardholder or authorized user on the covered card.
   �  Any person not designated in the rental agreement as an authorized driver.
   �  Any obligations you assume other than what is specifically covered under the 
    rental agreement or your personal vehicle liability insurance policy or other 
    indemnity policy.
   �  Any actual or alleged violation of the written terms and conditions of the 
    rental agreement.
   �  Any actual or alleged loss that occurs while driving under the influence of 
    drugs or alcohol.
   �  Any actual or alleged loss associated with racing or reckless driving.
   �  Any actual or alleged losses involving the theft of the rental vehicle when 
    you or an authorized driver cannot produce the keys to the rental vehicle 
    at the time of reporting the incident to the police and/or rental agency, as a 
    result of negligence. Loss of keys is considered negligence.
   �  Mechanical failures caused by wear and tear, gradual deterioration, or 
    mechanical breakdown.
   �  Subsequent damages resulting from a failure to protect the rental vehicle 
    from further damage.
   �  Blowouts or tire/rim damage unless caused by theft, vandalism or 
    vehicle collision.
   �  Rental vehicles where collision/damage waiver coverage (or similar 
    coverage) was accepted/purchased by you.
   �  Any damage that is of an intentional or non-accidental nature, caused by you 
    or an authorized driver of the rental vehicle.
   �  Depreciation, diminishment of value, administrative, storage, or other fees 
    charged by the vehicle rental company.
   �  Vehicles with a rental agreement that exceeds or is intended to exceed a 
    rental period of thirty-one (31) consecutive days from a rental agency.
   �  Losses resulting from any kind of alleged or actual illegal activity.
   �  Damage sustained on any road not regularly maintained by a municipal, 
    state, or federal entity.
   �  Losses as a result of war or hostilities of any kind (including, but not limited 
    to, any actual or alleged invasion, terrorism, rebellion, insurrection, riot, or civil 
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    commotion); confiscation or damage by any government, public authority, or 
    customs official; risks of contraband; illegal activity or acts.
   �  Any loss involving the rental vehicle being used for hire, for commercial use, 
    or as a public or livery conveyance.
   �  Theft of, or damage to, unlocked or unsecured vehicles.
   �  Value-added tax, or similar tax, unless reimbursement of such tax is required 
    by law.
   �  Vehicles rented on a monthly basis.
   �  Loss arising from any items not installed by the original manufacturer.
   �  Loss arising from any inherent damage.
   �  Damage to windshields which is not the result of a collision or 
    roll-over (damage to a windshield is covered if such damage is due 
    to road debris or road hazard).
   �  Vehicle leases or mini-leases.
   �  Indirect or direct damages resulting from a covered claim.
   �  Charges for gasoline or airport fees.
   I. How to file a claim:
   �  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate 
    a claim. You must report the claim within sixty (60) days of the loss or the 
    claim may not be honored.
   �  You may choose to assign your benefits under this insurance program to the 
    rental agency from which you rented your vehicle. Please contact us or our 
    administrator for further details.
   �  You must submit the following proof of claim documentation 
    within one hundred and eighty (180) days of the incident or the 
    claim will not be covered:
    - 	 Receipt showing the vehicle rental charge.
    - 	 Statement showing the vehicle rental charge.
    - 	 The rental agreement (front and back).
    - 	 Copy of your valid driver�s license (front and back). 
    - 	 Copy of the declarations page of any personal vehicle liability insurance 
     policy and/or other valid insurance or coverage.
    - 	 Police report when the vehicle is stolen, vandalized (regardless of the 
     damage), or involved in a collision that requires the vehicle; to be towed, 
     in a multi-vehicle collision, or the vehicle is not drivable.
    - 	 Itemized repair estimate from a factory registered collision repair facility.
    - 	 Copy of any vehicle rental company promotion/discount, if applicable.
    - 	 Copy of the vehicle rental location class specific fleet utilization log, if loss of 
     use charges are being claimed. You must secure this log from the rental agency.
    - 	 Any other documentation that may be reasonably requested by us or our 
     administrator to validate a claim.
   Lost or Damaged Luggage
   Evidence of Coverage
   Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
   appear in bold and Legal Disclosures.
   A. To get coverage:
   You must pay the entire cost of the common carrier ticket(s) with your 
   covered card and/or accumulated points from your covered card.
   B. The kind of coverage you receive:
   �  Reimbursement for the actual cost of repairing or replacing your 
    checked or carry-on luggage and personal property contained therein that 
    is lost or damaged.
   �  Coverage begins when the luggage is checked in or carried on to the 
    common carrier by you. This includes curbside check in with facility 
    designated personnel.
   �  Coverage ends each time you regain possession of the checked luggage from, 
    or carry the luggage off  of the common carrier or twenty-four (24) hours after 
    you depart from the common carrier, whichever comes first.
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   �  Coverage is secondary to any other applicable insurance or coverage 
    available to you including benefits provided by the common carrier  
    (including, but not limited to, goodwill payments, refunds, credit/vouchers). 
    Coverage is limited to only those amounts not covered by any other 
    insurance or coverage, or common carrier benefits (including, but not limited 
    to, goodwill payments, refunds, credit/vouchers).
   C. Coverage limitations:
   Coverage is limited to the actual cost, up to $3,000 per incident of repairing or 
   replacing your checked and/or carry-on luggage and any personal property contained 
   within. There is a maximum of two (2) claim(s) per twelve (12) month period.
   D. Where you are covered:
   Coverage applies worldwide.
   E. What is NOT covered:
   �  Loss or damage of luggage or personal property for regularly scheduled 
    short-distance travel under one hundred (100) miles.
   �  Loss or damage resulting from any dishonest, fraudulent, or criminal act 
    committed or arranged by you.
   �  Loss resulting from war or hostilities of any kind (including, but not limited 
    to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); 
    confiscation, expropriation or detention by any government, public authority, 
    or customs official; illegal activity or acts.
   �  Loss resulting from contamination by radioactive or hazardous substances, 
    including mold.
   �  Sporting equipment or musical instruments, unless checked in as luggage 
    with the common carrier and for which a claim check has been issued.
   �  Electronic equipment (including, but not limited to, laptops, PDAs, video/film 
    cameras, or hearing aids).
   �  Eyeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, household 
    furniture, or documents (including, but not limited to, visas and IDs).
   �  Plants, shrubs, animals, consumables, and perishables.
   �  Traveler�s checks, tickets of any kind (e.g., for airlines, sporting events, 
    concerts, or lottery), negotiable instruments, bullion, rare or precious metals, 
    stamps, and coins, currency or its equivalent.
   �  Jewelry, art, used or antique items; collectibles of any kind (such as items 
    designed for people to collect or items that over time become collectibles); 
    recycled, previously owned, refurbished, rebuilt, or remanufactured items.
   �  Defective material or workmanship, ordinary wear and tear or normal 
    deterioration.
   �  Loss or damage not reported within the time period required, as stipulated 
    in the claim procedure.
   �  Loss or damage where the common carrier completely denies a claim 
    for checked and/or carry-on luggage.
   �  Items excluded under the common carrier�s coverage 
    (except carry-on luggage).
   �  Loss or damage where the common carrier pays the claim in full or repairs 
    the damage.
   �  Interest or conversion fees that are charged to your covered card by 
    the financial institution.
   F. How to file a claim:
   �  Visit www.mycardbenefits.com or call 1-800-Mastercard to open a 
    claim. You must report the claim within sixty (60) days of the incident or the 
    claim may not be honored.
   �  Report within twenty-four (24) hours any loss or damage to the 
    common carrier.
   �  Submit the following documentation within one hundred and eighty (180) 
    days of the date of incident or the claim may not be honored:
    - 	 Receipt showing the purchase of common carrier tickets.
    - 	 Statement showing the purchase of common carrier tickets.
    - 	 Copy of initial claim report submitted to the common carrier.
   Guide to Benefits             6
    - 	 Covered card travel point program statement showing the common 
     carrier ticket was paid for with redeemed points.
    - 	 Report from police, if applicable.
    - 	 The result of any settlement by the common carrier.
    - 	 Receipts showing that your luggage or personal property has actually 
     been repaired or replaced.
    - 	 Any other documentation that may be reasonably requested by us or our 
     administrator to validate a claim.
   Purchase Assurance
   Various provisions in this document restrict coverage. Read carefully to determine 
   all rights and duties and what is and is not covered. Please see the �Key Terms� 
   section for the terms used throughout this benefit. 
   Evidence of Coverage
   Pursuant to the below terms and conditions, when an item you bought with 
   your covered card is damaged or stolen within ninety (90) days of purchase, 
   you may be eligible for benefits under this coverage.
   A. To get coverage:
   You must purchase the new item entirely with your covered card and/or 
   accumulated points from your covered card for yourself or to give as a gift.
   B. The kind of coverage you receive: 
   �  Most items you purchase entirely with your covered card are covered 
    if damaged or stolen for ninety (90) days from the date of purchase as 
    indicated on your covered card�s receipt.
   �  Items you purchase with your covered card and give as gifts also are covered.
   �  This coverage is secondary to any other applicable insurance or coverage 
    available to you or the gift recipient. Coverage is limited to only those 
    amounts not covered by any other insurance or coverage benefit.
   C. Coverage limitations: 
   �  Coverage is limited to the lesser of the following: 
    - The actual cost of the item (excluding delivery and transportation costs). 
    -  A maximum of $1,000 per loss and a total of $25,000 per cardholder 
    account per twelve (12) month period.
   �  Purchases that are made up of a pair or set will be limited to the cost of 
    repair or replacement of the specific item stolen or damaged. If the specific 
    item cannot be replaced individually or repaired, the value of the pair or set 
    will be covered not to exceed the limits above.
   �  Coverage for actual or alleged stolen or damaged jewelry or fine art will be 
    limited to the actual purchase price as listed on your cardholder statement, 
    regardless of sentimental or appreciated market value.
   �  We shall not be deemed to provide coverage and we shall not be liable to pay 
    any claim or provide any benefit under the group policy to the extent that the 
    provision of such coverage, payment of such claim or provision of such benefit 
    would expose us, our parent company or its ultimate controlling entity to any 
    sanction, prohibition or restriction under United Nations resolutions or the 
    trade or economic sanctions, laws or regulations of the European Union or the 
    United States of America. Wherever coverage provided by this policy would be in 
    violation of any economic or trade sanctions, such coverage shall be null and void.
   D. What is NOT covered: 
   This coverage does not apply to: 
   �  Items left in public sight, out of arm�s reach, lacking care, custody or control 
    by the cardholder.
   �  Lost items, and items that mysteriously disappear (the only proof of loss is 
    unexplained or there is no physical evidence to show what happened to the 
    item) without any evidence of a wrongful act.
   �  Items that are actually or allegedly stolen from any location or place (including, 
    but not limited to, exercise facilities, places of employment, schools, or places of 
    worship) due to the lack of due diligence by you or another party.
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   �  Items lost, stolen, damaged, or mis-delivered while under the care, custody, 
    and control of another party or common carrier (including, but not limited to, 
    airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).
   �  Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.
   �  Losses resulting from any dishonest, fraudulent, or criminal act committed or 
    arranged by you.
   �  Losses that cannot be verified or substantiated.
   �  Items covered by a manufacturer�s recall or class action suit.
   �  Items that you damage through alteration (including, but not limited to, 
    cutting, sawing, shaping).
   �  Used or antique items; collectibles of any kind (such as items designed for 
    people to collect or items that over time become collectibles); recycled, 
    previously owned, refurbished, rebuilt, or remanufactured items.
   �  Stolen items without a documented report from law enforcement.
   �  Items that are damaged during transport via any mode.
   �  Items stolen from the interior or exterior of a watercraft/boat, aircraft, 
    motorcycle, automobile or any other motor vehicles.
   �  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, 
    aircraft, and motorcycles, or their motors, equipment, or accessories. Motorized 
    equipment not designed for transportation and used solely for the upkeep and 
    maintenance of a residence is eligible for coverage (including, but not limited to, 
    snow thrower, lawn mowers, and hedge trimmers).
   �  Land, any buildings (including, but not limited to, homes and dwellings), 
    permanently installed items, fixtures, or structures.
   �  Traveler�s checks, tickets of any kind (e.g., for airlines, sporting events, 
    concerts, or lottery), negotiable instruments, bullion, rare or precious metals, 
    stamps, and coins, currency or its equivalent.
   �  Losses caused by insects, animals, or pets.
   �  Plants, shrubs, animals, pets, consumables, and perishables.
   �  Items purchased for resale, rental, professional, or commercial use.
   �  Professional services (including, but not limited to, the performance or 
    rendering of labor or maintenance; repair or installation of products, goods, 
    or property; professional advice of any kind, including, but not limited to, 
    information/services or advice secured from any help or support line; or 
    technical support for software, hardware, or any other peripherals).
   �  Application programs, computer programs, operating software, 
    and other software.
   �  Losses resulting from war or hostilities of any kind (including, but not limited 
    to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); 
    confiscation or damage by any government, public authority, or customs 
    official; risks of contraband; illegal activity or acts.
   �  Losses caused by power surge, contamination by radioactive or hazardous 
    substances, including mold.
   �  Direct or indirect loss resulting from any Acts of God (including, but not 
    limited to, flood, hurricane, lightning, and earthquake).
   �  Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.
   �  Game animals, pets, or specimens preserved for display (e.g., fish, birds, 
    reptiles, or mammals).
   �  Items actually or allegedly stolen or damaged at a new home construction site.
   �  Rented, leased, or borrowed items for which you will be held responsible.
   �  Trip, service, or diagnostic charges in the absence of any covered repairs or 
    verified failure.
   �  Any shipping charges, transportation and delivery charges, or promised 
    time frames for delivery, whether or not stated or covered by the 
    manufacturer�s warranty.
   �  Interest or conversion fees that are charged to you on the covered card by 
    the corresponding financial institution.
   E. How to file a claim: 
   �  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate 
    a claim. You must report the claim within sixty (60) days of the loss or the 
    claim may not be honored.
   Guide to Benefits             8
   �  You must submit the following documentation within one hundred and 
    eighty (180) days of the date you report the claim:
    - Repair estimate for damaged item(s).
    -  Photograph clearly showing damage, if applicable.
    -  Receipt showing purchase of covered item(s). 
    -  Statement showing purchase of covered item(s). 
    -  Report from police listing any items stolen.
    -  Copy of the declarations page of any applicable insurance policy(ies) or 
    protection (including, but not limited to, homeowner�s, renter�s, or auto 
    insurance policy(ies)).
    -  Any other documentation that may be reasonably requested by us or our 
    administrator to validate a claim.
   Legal Disclosure 
   Please see the �Legal Disclosure� section for all disclosures for this benefit.
   Extended Warranty
   Evidence of Coverage 
   Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
   appear in bold and Legal Disclosures.
   A. To get coverage: 
   �   You must purchase the new item entirely with your covered card and/or 
    accumulated points from your covered card for yourself or to give as a gift.
   �   The item must have an original manufacturer�s (or U.S. store brand) 
    warranty of twenty-four (24) months or less.
   B. The kind of coverage you receive: 
   �  Extended warranty doubles the original manufacturer�s warranty up to a 
    maximum of twenty-four (24) months on most items you purchase. For products 
    with multiple warranty components, each warranty time period will be extended 
    up to a maximum of twenty-four (24) months. An example of a product with 
    multiple warranty components includes an appliance with original manufacturer�s 
    (or U.S. store brand) warranties that differ for parts, labor, compressor, etc.
   �  If you purchase a service contract or an optional extended warranty of 
    twenty-four (24) months or less on your item, we will cover up to an 
    additional twenty-four (24) months after both the original manufacturer�s (or 
    U.S. store brand) warranty and the purchased service contract or extended 
    warranty coverage period end. If your service contract or extended warranty 
    exceeds twenty-four (24) months, this coverage does not apply.
   �  If you do not have an additional service contract or an optional extended 
    warranty, this extended warranty benefit commences the day after your 
    original manufacturer�s (or U.S. store brand) warranty expires.
   C. Coverage limitations: 
   �  The maximum benefit for repair or replacement shall not exceed the actual 
    amount charged on your covered card or $10,000, whichever is less.
   �  If either the original manufacturer�s (or U.S. store brand) warranty or the service 
    contract covers more than twenty-four (24) months, this benefit will not apply.
   �  We or our administrator will decide if a covered failure will be repaired or 
    replaced, or whether you will be reimbursed up to the amount paid for the 
    item. Items will be replaced with those of like kind and quality. However, we 
    cannot guarantee to match exact color, material, brand, size, or model.
   D. What is NOT covered: 
   �  Used or antique items; collectibles of any kind (such as items designed for 
    people to collect or items that over time become collectibles) that do not 
    come with a manufacturer�s warranty (repair or replacement amount will not 
    include market value at time of claim); recycled, previously owned, refurbished, 
    rebuilt, or remanufactured items; product guarantees (e.g., glass breakage).
   �  Floor models that do not come with an original manufacturer�s warranty.
   9                    Diners Club Card Elite
   �  Motorized vehicles, including, but not limited to, automobiles, watercraft/
    boats, aircraft, and motorcycles, or their motors, equipment, or accessories. 
    Parts, if purchased separately, may be covered.
   �  Land, any buildings (including, but not limited to, homes and dwellings), 
    permanently installed items, fixtures, or structures.
   �  Plants, shrubs, animals, pets, consumables, and perishables.
   �  Professional services (including, but not limited to, the performance or 
    rendering of labor or maintenance; repair or installation of products, goods 
    or property; professional advice of any kind, including, but not limited to, 
    information/services or advice secured from any help or support line; or 
    technical support for software, hardware, or any other peripherals).
   �  Application programs, operating software, and other software.
   �  All types of media with stored data or music (including, but not limited to, 
    computer software, DVDs, video cassettes, CDs, film and audio cassettes).
   �  Any shipping charges, transportation and delivery charges, or promised time frames 
    for delivery, whether or not stated or covered by the manufacturer�s warranty.
   �  Direct or indirect loss resulting from any Acts of God (including, but not 
    limited to, flood, hurricane, lightning, and earthquake).
   �  Indirect or direct damages resulting from a covered loss.
   �  Mechanical failure arising from product recalls.
   �  Trip, service, or diagnostic charges in the absence of any covered repairs or 
    verified failure.
   �  Loss resulting from war or hostilities of any kind (including, but not limited 
    to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); 
    confiscation or damage by any government, public authority, or customs 
    official; risks of contraband, illegal activity, or acts.
   �  Mechanical failures caused by normal wear and tear or gradual deterioration 
    where no failure has occurred.
   �  Items purchased for resale, professional, or commercial use.
   �  Mechanical failures caused by lack of maintenance/service.
   �  Losses caused by power surge, contamination by radioactive or hazardous 
    substances, including mold.
   �  Physical damage to the item.
   �  Any exclusion listed in the original manufacturer�s warranty.
   E. How to file a claim: 
   �  Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim. 
    You must report the claim within sixty (60) days of the failure or the claim 
    may not be honored.
   �  Submit the following documentation within one hundred and eighty (180)  
    days from the date of failure or the claim may not be honored:  
    -  Receipt showing covered item(s).
    - Statement showing covered item(s).
    - Itemized purchase receipt(s).
    - Original manufacturer�s (or U.S. store brand) warranty.
    - Service contract or optional extended warranty, if applicable.
    - Itemized repair estimate from a factory authorized service provider.
    -  Any other documentation that may be reasonably requested by us or our 
    administrator to validate a claim.
   Mastercard ID Theft Protection �
   Program Description:
   Mastercard ID Theft Protection (IDT) provides you with access to a number 
   of identity theft resolution services, should you believe you are a victim of 
   identity theft. This product offering will alert you about possible identity theft 
   by monitoring  the surface, dark and deep web, searching for compromised 
   credentials and potentially damaging use of your registered personal 
   information in order to detect fraud at its inception.
   Guide to Benefits            10
   Eligibility:
   All Mastercard consumer credit cardholders in the US are eligible for 
   this coverage.
   Access:
   Simply contact 1-800-Mastercard if you believe you have been a victim 
   of identity theft.
   Services provided:
   Services provided are on a 24-hour basis, 365 days a year. In order 
   to receive the following services, you must enroll at 
   https://mastercardus.idprotectiononline.com/. The services include:
   �  Online Monitoring Dashboard (requires activation): The online 
    monitoring dashboard is the primary user interface for cardholders. It 
    serves as a repository of all the personally identi?able information (PII) data 
    the cardholder wants to monitor, tracks and displays cardholders� risk score, 
    and provides access to identity protection tips. It is also the platform for 
    cardholders to respond to identity monitoring alerts.
   �  Monthly  Risk Alert/Newsletter: Cardholders will receive a monthly 
    newsletter with information on the cardholder�s risk score, and articles 
    pertaining to good identity protection practices.
   �  Identity  Monitoring: IDT searches the internet to detect compromised 
    credentials and potentially damaging use of your personal information, and 
    alerts you via email so that you can take immediate action. This platform 
    utilizes automated monitoring and human threat intelligence from cyber 
    operations agents monitoring threat actors and their tactics on the dark 
    and deep web where personal data is bought and sold. Data elements that 
    can be monitored are:
     - Email addresses
     - Debit/credit cards/prepaid cards
     - Bank accounts
     - Web logins; username and password
     - Medical insurance cards
     - Drivers� license
     - Loyalty cards
     - Af?nity cards
     - Passport number
     - Vehicle insurance cards
     - Social Security number
   To take advantage of this service, the cardholder must enter the personal 
   information they wish to monitor on the dashboard.
   �  Resolution  Services: You will have access to a team of identity theft 
    resolution specialists, available 24 hours a day, 365 days a year to help 
    resolve your identity theft incident and prevent further damage. The 
    resolution specialists are native speakers of English, French and Spanish, and 
    are based out of Bethesda, Maryland. Cardholders are given the option to 
    sign limited power of attorney (LPOA) to the specialist, to allow them to 
    conduct resolution activities on the cardholders� behalf, including contacting 
    police, credit agencies, and other authorities, translating information, and 
    closing and replacing breached accounts.
   �  Lost Wallet Assistance: Cardholders will be provided assistance with notifying 
    the appropriate issuing authorities to cancel and replace stolen or missing items, 
    such as their debit/credit cards, driver�s license, Social Security card, and passport.
   �  Single Bureau Credit Monitoring: Cardholders� TransUnion credit ?le will be 
    monitored for changes that could indicate fraud such as new credit inquiries, an 
    address change or new credit account(s) opened in their name. An alert noti?cation 
    via email will be sent anytime a hard inquiry is made on the cardholders� TransUnion 
    credit ?le so they can take immediate action to minimize damage. 
    To take advantage of this service, the cardholder must enter their Social 
    Security number on the dashboard and pass credit authentication.
   11                   Diners Club Card Elite
   �  Financial Account Takeover: IDT monitors cardholder�s high-risk 
    transactions with more than 300 of the nation�s largest companies to uncover 
    and thwart account takeover attempts. Monitored transactions include:
     - Debit/credit cards/prepaid cards
     - Bank accounts
     - Brokerage accounts
     - Healthcare portals
     - Workplace intranets
     - Other services (e.g., peer-to-peer fund transfers) 
     To take advantage of this service, the cardholder must enter the accounts 
    they wish to protect on the dashboard.
   �  URL and Domain Monitoring: URL and domain monitoring allows 
    cardholder to enter up to 10 domain or URL names related to cardholder�s 
    business. This service will monitor the domain and URL names for any 
    compromised email addresses associated with the domain or URL names and 
    if compromised email addresses are found in a data breach, this service will 
    alert the registered cardholder via email and provide information regarding the 
    speci?c email address that was breached along with information about the date 
    found and source (provided that this information is available).
   For more information regarding the services stated above and additional 
   information, please visit https://mastercardus.idprotectiononline.com.
   Charges:
   There is no charge for these services, they are provided by your 
   ?nancial institution.
   Services not provided:
   �  When it is determined you have committed any dishonest, criminal, 
    malicious or fraudulent act.
   �  When your ?nancial institution or card issuer which provides this 
    service, has investigated the event and deemed you are responsible 
    for the charge or event.
   �  When any theft or unauthorized use of an account by a person to whom 
    the account has been entrusted has been committed.
   Program Provisions for Mastercard ID Theft Protection:
   This service applies only to you, the named Mastercard cardholder. You shall use 
   due diligence and do all things reasonable to avoid or diminish any loss or damage 
   to property protected by the program. The provider, Generali Global Assistance, 
   relies on the truth of statement made in the af?davit or declaration from each 
   cardholder. This service is provided to eligible Mastercard cardholders at no 
   additional cost and is in effect for acts occurring while the program is in effect. 
   The terms and conditions contained in this program Guide may be modi?ed by 
   subsequent endorsements. Modi?cations to the terms and conditions may be 
   provided via additional Guide mailings, statement inserts, or statement messages. 
   Mastercard or your ?nancial institution can cancel or non-renew these services, 
   and if we do, we will notify you at least thirty (30) days in advance. If the provider 
   non-renews or cancels any services provided to eligible Mastercard cardholders, 
   you will be noti?ed within 30�120 days before the expiration of the service 
   agreement. In the event substantially similar coverage takes effect without 
   interruption, no such notice is necessary. For general questions regarding these 
   services, please contact 1-800-Mastercard.
   Travel Assistance Services
   Rely on Travel Assistance Services when you�re away from home.
   Travel Assistance Services is your guide to many important services you 
   may need when traveling. Bene?ts are designed to assist you or your travel 
   companions when you�re traveling 50 miles or more from home.* This is 
   reassuring, especially when visiting a place for the ?rst time or not speaking 
   the language. For services, call 1-800-Mastercard. Enrollment is automatic and 
   Guide to Benefits            12
   the assistance service is free to cardholders. Please keep in mind that you will 
   be responsible for the fees incurred for professional or emergency services 
   requested of Travel Assistance Services (e.g., medical or legal bills).
   *  Travel Assistance Services are available worldwide, with the exception of 
    those countries and territories which may be involved in an international 
    or internal con?ict, or in those countries and territories where the existing 
    infrastructure is deemed inadequate to guarantee service. You may contact 
    us prior to embarking on a covered trip to con?rm whether or not services 
    are available at your destination(s).
   MasterTrip �  Travel Assistance:
   Before you begin your trip, MasterTrip provides information on travel 
   requirements including documentation (e.g., visas, passports), immunizations or 
   currency exchange rates. The exchange rate provided may differ from the exact 
   rate that issuers use for transactions on your card. Information on exchange rates 
   for items billed on your statement should be obtained from the ?nancial institution 
   that issued your card. MasterTrip will also help you locate any lost or stolen travel 
   materials, including luggage. This is not an insurance policy for lost/stolen luggage 
   and we do not reimburse you for a permanent loss.
   If you have a travel emergency and need cash, MasterTrip can arrange to transfer 
   up to $5,000 from a family member, friend, or business account.
   This service does not provide maps or information regarding road conditions.
   Travel Services Medical Assistance:
   Provides a global referral network of general physicians, dentists, hospitals and 
   pharmacies. We can also help you re?ll prescriptions with local pharmacists 
   (subject to local laws).
   In the event of emergencies, a stateside physician or nurse can be contacted 
   for consultation with the local medical staff and to monitor your condition. If 
   you are hospitalized, we can arrange to have messages relayed home, transfer 
   you to another facility if medically necessary, or have a family member or close 
   friend brought to your bedside if you have been traveling alone (at cardholder�s 
   expense). If a tragedy occurs, we�ll assist in securing travel arrangements for you 
   and your travel companion(s).
   MasterLegal �  Referral Service:
   This service provides you with English-speaking legal referrals or consults with 
   appropriate embassies and consulates regarding your situation.
   This service will assist in transfers up to $5,000 in cash from a family member, 
   friend or business to cover legal fees or to post bail. There is no charge for referral 
   services; however, legal and bail fees are your responsibility.
   Master RoadAssist �  Roadside Service:
   (Available only when traveling in the 50 United States and the District 
   of Columbia)
   If your car breaks down on the road, just call 1-800-Mastercard and tell us 
   where you are. We�ll send someone to the rescue. This is not only reassuring, 
   but it may also save you money because fees for many services (e.g., jumpstarts, 
   towing, gas delivery, and tire changes) are pre-negotiated. Road service fees will 
   be automatically billed to your Mastercard account.
   You are responsible for emergency road service charges incurred by towing 
   facilities responding to your dispatch, even if you are not with your vehicle (or it�s 
   gone) when the tow truck arrives. Mastercard International is not responsible or 
   liable for the service the towing facility provides. Towing facilities are independent 
   contractors, solely liable for their services.
   Emergency road service is not available in areas not regularly traveled, in �off 
   road� areas not accessible by ordinary towing vehicles, or for over one-ton 
   capacity trailers, campers or if you have a rental car, be sure to call the rental car 
   agency before you call 1-800-Mastercard, as many rental agencies have special 
   procedures regarding emergency road service assistance.
   13                   Diners Club Card Elite
   Mastercard Travel & Lifestyle Services 
   As a World or World Elite Mastercard �  cardholder, you have access to 
   Mastercard �  Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, 
   preferential treatment and premium travel offers from best-in-class travel 
   companies across hotels, air travel, tours, cruises, car rentals and more*. Get the 
   most from all your travels whether you are planning a last-minute getaway or 
   your dream family vacation. As a Mastercard �  cardholder, you have access to a 
   lifestyle manager that will help you plan your vacation - complimentary, at your 
   convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard 
   Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay Guarantee*** which 
   deliver value and peace of mind. 
    *  Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel 
    bookings are being made by Mastercard, nor is Mastercard acting as a travel 
    agency or providing any travel consultation or advice, in connection with 
    Mastercard Travel & Lifestyle Services.
   **  Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying �prepaid 
    hotel rate� or �pay at local hotel rate� hotel stay through the Mastercard Travel 
    & Lifestyle Services program either online or through an authorized program 
    agent using your Mastercard and then find the same hotel room type, in the 
    same hotel, for the same dates, the same number of children and adults, at 
    a lower price online, before taxes and fees, we�ll refund you the difference. 
    To receive a refund you must submit a claim as described in the terms and 
    conditions prior to your stay and at least seventy-two (72) hours before the 
    date of your reservation check-in.
   ***  Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services 
     Hotel Stay Guarantee is simple � if you book your three star or higher hotel 
     stay through the Mastercard Travel & Lifestyle Services program and you 
     encounter problems with the hotel, contact Ten Lifestyle Group plc, the 
     designated travel agent for the Mastercard Travel & Lifestyle Services program 
     at toll free (US) 1-800-336-6420 during your stay and a Ten lifestyle manager 
     will attempt to make it right for the remainder of your stay by working directly 
     with the hotel to try to resolve your issue or will make efforts to ?nd you 
     comparable accommodations.
   Certain terms, conditions and exclusions apply. Full details are available at 
   www.mastercard.com/world.
                          TM
   Mastercard Airport Concierge
   Your passport to the ?ner side of air travel. 
   Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a 
   personal, dedicated Meet and Greet agent to escort you through the airport 
   on departure, arrival or any connecting ?ights at over 700 destinations 
   worldwide 24 hours a day, 7 days a week, 365 days a year. There are also 
   certain airports where you can be expedited through the security and/or the 
   immigration process. To reserve Mastercard Airport Concierge services visit 
   www.mastercard.com/airportconcierge or consult your travel advisor.
                       TM
   Mastercard Global Service
   Mastercard Global Service provides worldwide, 24-hour assistance with lost and 
   stolen card reporting, emergency card replacement, and emergency cash advance. 
   Call Mastercard Global Service immediately to report your card lost or stolen 
   and to cancel the account. If you need to make purchases or arrange for a cash 
   advance, with your issuer�s approval, you can receive a temporary card the next 
   day in the United States, and within two business days almost everywhere else.
   Remember, if you report your card lost or stolen, you will not be responsible 
   for any unauthorized transactions on your account.
   Guide to Benefits            14
   In the United States (including all 50 states, the District of Columbia, the U.S. 
   Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.
   When out-of-country and in need of assistance, you can easily reach a 
   specially trained Mastercard Global Service Representative who can help you 
   24 hours a day, 365 days a year, in any language. You can call toll-free from 
   over 80 countries worldwide. Some of the key toll-free Mastercard Global 
   Service telephone numbers are:
                        001-800-307-
    Australia 1-800-120-113 Mexico
                        7309
    Austria 0800-070-6138 Netherlands 0800-022-5821
    France  0-800-90-1387 Poland 0-0800-111-1211
    Germany 0800-071-3542 Portugal  800-8-11-272
    Hungary  06800-12517 Spain  900-822-756
                 United 
    Ireland 1-800-55-7378 0800-96-4767
                 Kingdom
    Italy 800-870-866 Virgin Islands 1-800-307-7309
                                 
    
   For additional information, or for country-speci?c, toll-free telephone numbers 
   not listed above, visit our website at www.mastercard.com 
   or call the United States collect at 1-636-722-7111.
   Account Information and Card Benefits:
   When in the United States, contact your card issuer directly for account 
   information and 1-800-Mastercard for card bene?ts. When traveling outside 
   the U.S., call Mastercard Global Service to access your card issuer for account 
   information or to access any of your card bene?ts.
   ATM Locations:
   Call 1-877-FINDATM (1-877-346-3286) to ?nd the location of a nearby ATM 
   in the Mastercard ATM Network accepting Mastercard � , Maestro � , and Cirrus �  
   brands. Also, visit our website at www.mastercard.com to use our ATM locator.
   You can get cash at over two million ATMs worldwide. To enable cash access, be 
   sure you know your Personal Identi?cation Number (PIN) before you travel 
   Worldwide Automatic Travel 
   Accident &  Baggage Delay
   The Plan:
   As a Mastercard cardholder, you, your spouse or domestic partner and 
   unmarried dependent children will be automatically insured against accidental 
   loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or 
   exiting any licensed common carrier, provided the entire cost of the passenger 
   fare(s), less redeemable certificates, vouchers or coupons, has been charged to 
   your Mastercard card account. If the entire cost of the passenger fare has been 
   charged to your Mastercard account prior to departure for the airport, terminal 
   or station, coverage is also provided for common carrier travel (including taxi, 
   bus, train or airport limousine); immediately, a) preceding your departure, directly 
   to the airport, terminal or station b) while at the airport, terminal or station, and 
   c) immediately following your arrival at the airport, terminal or station of your 
   destination. If the entire cost of the passenger fare has not been charged prior 
   to your arrival at the airport, terminal or station, coverage begins at the time the 
   entire cost of the travel passenger fare is charged to your Mastercard account. 
   This coverage does not include commutation. Commutation is defined as travel 
   between the insured person�s residence and regular place of employment. 
   Common carrier means any land, water or air conveyance operated by 
   those whose occupation or business is the transportation of persons without 
   discrimination and for hire.
   15                   Diners Club Card Elite
   Important Definitions:
   Accident or Accidental means a sudden, unforeseen and unexpected event 
   happening by chance. 
   Dependent child(ren) means those children, including adopted children 
   and children placed for adoption, who are primarily dependent upon the 
   insured person for maintenance and support and who are: 1) under the age of 
   twenty-five (25) and reside with the insured person: or 2) beyond the age of 
   twenty-five (25), permanently mentally or physically challenged, and incapable 
   of self support; or 3) under the age of twenty-five (25) and classified as a full-
   time student at an institution of higher learning. 
   Domestic partner means a person designated in writing by the primary insured 
   person, who is at least eighteen (18) years of age, and who during the past twelve 
   (12) months: 1) has been in a committed relationship with the primary insured 
   person; and 2) has been the primary insured person�s sole spousal equivalent; 
   and 3) has resided in the same household as the primary insured person; and 4) 
   been jointly responsible with the primary insured person for each other�s financial 
   obligation, and who intends to continue the relationship above indefinitely.
   The Benefits:
   The full benefit amount of $1,000,000 is payable for accidental loss of life, two 
   or more members, sight of both eyes, speech and hearing or any combination 
   thereof. One half of the benefit amount is payable for accidental loss of: one 
   member, sight of one eye, speech or hearing. �Member� means hand or foot. 
   One quarter of the benefit amount is payable for the accidental loss of the 
   thumb and index finger of the same hand. �Loss� means, with respect to a hand, 
   complete severance through or above the knuckle joints of at least 4 fingers on 
   the same hand; with respect to a foot, complete severance through or above 
   the ankle joint. The company will consider it a loss of hand or foot even if they 
   are later reattached. �Benefit amount� means the loss amount applicable at the 
   time the entire cost of the passenger fare is charged to the eligible Mastercard 
   account. The loss must occur within one year of the accident. The company 
   will pay the single largest applicable benefit amount. In no event will duplicate 
   request forms or multiple charge cards obligate the company in excess of the 
   stated benefit amounts for any one loss sustained by any one individual insured 
   as the result of any one accident. In the event of multiple accidental deaths per 
   account arising from any one accident, the company�s liability for all such losses 
   will be subject to a maximum limit of insurance equal to three (3) times the 
   benefit amount for loss of life. Benefits will be proportionately divided among 
   the insured persons up to the maximum limit of insurance.
   Baggage Delay:
   We will reimburse the insured person up to the daily benefit amount of $100 per 
   day for three (3) days in the event of a baggage delay. Our payment is limited to 
   expenses incurred for the emergency purchase of essential items needed by the 
   insured person while on a covered trip and at a destination other than the insured 
   person�s primary residence. Essential items not covered by baggage delay include, 
   but are not limited to: 1) contact lenses, eyeglasses or hearing aids; 2)artificial teeth, 
   dental bridges or prosthetic devices; 3) tickets, documents, money, securities, checks, 
   travelers checks and valuable papers; or 4) business samples; The baggage delay 
   benefit amount is excess over any other insurance (including homeowners) or 
   indemnity (including any reimbursements by the airline, cruise line, railroad, station 
   authority, occupancy provider) available to the Insured Person. Baggage delay 
   means a delay or misdirection of the insured person�s baggage by a common 
   carrier for more than four (4) hours from the time the insured person arrives at 
   the destination on the insured person�s ticket.
   Eligibility:
   This travel insurance plan is provided to Mastercard cardholders automatically 
   when the entire cost of the passenger fare(s) are charged to a Mastercard account 
   while the insurance is effective. It is not necessary for you to notify your financial 
   institution, the administrator or the company when tickets are purchased.
   Guide to Benefits            16
   The Cost:
   This travel insurance plan is provided at no additional cost to eligible Mastercard 
   cardholders. Your financial institution pays the premium for this insurance.
   Beneficiary:
   The loss of life benefit will be paid to the beneficiary designated by the insured. If 
   no such designation has been made, that benefit will be paid to the first surviving 
   beneficiary in the following order: a) the Insured�s spouse, b) the Insured�s children, 
   c) the Insured�s parents, d) the Insured�s brothers and sisters, e) the Insured�s 
   estate. All other indemnities will be paid to the Insured.
   Exclusions:
   This insurance does not cover loss resulting from: 1) an Insured�s emotional 
   trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, 
   bacterial or viral infection (except bacterial infection caused by an accident or 
   from accidental consumption of a substance contaminated by bacteria), or bodily 
   malfunctions; 2) suicide, attempted suicide or intentionally self inflicted injuries; 
   3) declared or undeclared war, but war does not include acts of terrorism; This 
   insurance also does not apply to an accident occurring while an Insured is acting or 
   training as a pilot or crew member, but this exclusion does not apply to passengers 
   who temporarily perform pilot or crew functions in a life threatening emergency.
   Claim Notice:
   Written claim notice must be given to the company within 20 days after the 
   occurrence of any loss covered by this policy or as soon as reasonably possible. 
   Failure to give notice within 20 days will not invalidate or reduce any otherwise 
   valid claim if notice is given as soon as reasonably possible. Claim Forms: When 
   the company receives notice of a claim, the company will send you forms for 
   giving proof of loss to us within 15 days. If you do not receive the forms, you 
   should send the company a written description of the loss. Claim proof of loss: 
   Complete proof of loss must be given to us within 90 days after the date of loss, 
   or as soon as reasonably possible. Failure to give complete proof of loss within 
   these time frames will not invalidate any otherwise valid claim if notice is given as 
   soon as reasonably possible and in no event later than 1 year after the deadline 
   to submit complete proof of loss. Claim payment: for all benefits, the company 
   will pay you or your beneficiary the applicable benefit amount within 60 days 
   after complete proof of loss is received and if you, the policyholder and/or the 
   beneficiary have complied with all the terms of this policy.
   How to file a claim:
   To file a claim please call 1-800-Mastercard. Claims are processed by the claim 
   administrator, Crawford and Company. Complete all items on the required 
   claim form, attach all appropriate documents, and mail or fax to: Crawford and 
   Company, P.O. Box 4090, Atlanta, GA 30302, Fax Number 855-830-3728. Once 
   a claim number is assigned, supporting documentation for the claim can also be 
   submitted through Myclaimsagent.com.
   Effective Date:
   This insurance is effective on the date that you become an eligible cardholder; 
   and will cease on the date the Master Policy 6477-44-67 is terminated or on the 
   date your account ceases to be eligible, whichever occurs first.
   As a handy reference guide, please read this and keep it in a safe place with your 
   other insurance documents. This description of coverage is not a contract of 
   insurance but is simply an informative statement of the principal provisions of the 
   insurance while in effect. Complete provisions pertaining to this plan of Insurance 
   are contained in the master policy on file with the policyholder: Financial 
   Customer Insurance Trust. If this plan does not conform to your state statutes, it 
   will be amended to comply with such laws. If a statement in this description of 
   coverage and any provision in the policy differ, the policy will govern.
    
   17                   Diners Club Card Elite
   Answers to specific questions can be obtained by writing the Plan Administrator: 
   Direct Marketing Group 13265 Bedford Avenue, Omaha, NE 68164
   Plan Underwritten By Federal Insurance Company a member insurer of the 
   Chubb Group of Insurance Companies 9931 South 136th Street, Suite 100, 
   Omaha, NE 68138
   Trip Cancellation/Trip Interruption
   Evidence of Coverage 
   Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
   appear in bold and Legal Disclosures.
   A. To get coverage: 
   You must purchase the trip entirely with your covered card for you, or your 
   family member, and your traveling companions. If redeemable certificates, 
   vouchers, coupons, or discounts awarded from frequent flier programs are 
   used to purchase the trip, any remaining charge for the trip must be purchased 
   entirely with your covered card.
   B. The kind of coverage you receive:
   Trip Cancellation 
   We will reimburse you for any incurred charge if you are required to cancel the 
   trip, prior to the trip departure date, due to a covered reason. You must cancel 
   the trip with your common carrier as soon as the covered reason arises. You 
   must also advise the administrator immediately, as we will not pay benefits for any 
   additional charges incurred that would not have been charged had you notified 
   the common carrier and the claim administrator as soon as reasonably possible. 
   Covered reason is a sickness, injury, or death of you, your family member, or 
   your traveling companion, which results in medically imposed restrictions.
   Term of Coverage: 
   Coverage begins on the date the trip was purchased and ends on the 
   trip departure date.
   Coverage Limitations:
   Coverage is limited to the lesser of the following:
   � $1,500 per trip; and
   � $5,000 per 12 month period.
   Coverage is secondary to any other applicable insurance or benefit available 
   to you including benefits provided by the common carrier (including, but not 
   limited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, 
   credits, or vouchers).
   Trip Interruption 
   If the trip is interrupted for a covered reason, we will reimburse you for the 
   travel on a common carrier to your return destination or to rejoin your 
   family members or travel companions at their current location.
   Covered reason is a sickness, injury, or death of you, your family member, or your 
   traveling companion, which results in medically imposed restrictions.
   Term of Coverage:  
   Coverage begins on the trip departure date and ends on the 
   trip completion date.
   Coverage Limitations:  
   Coverage is limited to the lesser of the following: 
   � $1,500 per trip; and
   � $5,000 per 12 month period. 
   Coverage is secondary to any other applicable insurance or benefit available 
   to you including benefits provided by the common carrier (including, but not 
   Guide to Benefits            18
   limited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, 
   credits, or vouchers).
   What is NOT covered: 
   � Pre-existing medical conditions. 
   � Intentionally self-inflicted injuries, including suicide or attempted suicide.
   �  War, invasion, acts of foreign enemies, hostilities between nations (whether 
    declared or not), civil war.
   � Participation in any military maneuver or training exercise.
   � Piloting or learning to pilot or acting as a member of the crew of any aircraft.
   � Mental or emotional disorders, unless hospitalized.
   � Participation in professional athletics or underwater activities.
   � Being under the influence of drugs or intoxicants.
   � Commission of or the attempt to commit a criminal act.
   �  Participating in bodily contact sports (ex. boxing); skydiving; hang gliding; 
    parachuting; Mountaineering; any race; bungee cord jumping; or speed contest.
   � Dental treatment except as a result of accidental injury to sound, natural teeth.
   � Any non-emergency treatment or surgery, routine physical examinations.
   � Hearing aids, eye glasses or contact lenses.
   � Curtailment or delayed return for other than a covered reason.
   � One-way travel that does not have a return destination.
   How to file a claim: 
   �  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a 
    claim. You must report the claim within sixty (60) days of the failure or the 
    claim may not be honored.
   �  Submit the following documentation within one hundred and eighty (180) 
    days from the date of loss or the claim may not be honored:
    -  Covered card billing statement showing the charge for the covered trip.
    -  Proof of a covered reason including the completed physician�s form.
    -  Copy of the cancellation policy of the common carrier. 
    -  Any other documentation that may be reasonably requested by us or our 
    administrator to validate a claim.
   Answers to specific questions can be obtained by writing the Plan Administrator: 
   Direct Marketing Group 13265 Bedford Avenue, Omaha, NE 68164
   Plan Underwritten By Federal Insurance Company a member insurer of the 
   Chubb Group of Insurance Companies 9931 South 136th Street, Suite 100, 
   Omaha, NE 68138
   Concierge Services
   World Elite Mastercard �  offers you the Mastercard Concierge Service. Imagine 
   your own Personal Assistant 24 x 7 x 365, where knowledgeable experts can 
   assist with whatever you need, whenever you need it. This takes �Concierge 
   Service� to the next level with robust, personalized features that will save you 
   time and simplify your day, such as:
   �  Personal profile to track preferences for travel, hotels, dining, entertainment, 
    special occasions � and even food allergies.
   �  Local experts who can provide on-site assistance with everyday household needs 
    � like being there when the new appliance is delivered, because you can�t be.
   �  Access to unique dining and entertainment venues to turn a special occasion 
    into a memorable experience.
   � Reminder service for those dates or events that you can�t afford to miss.
   �  Pre-trip planning services, providing you with critical information in advance of 
    your trip including: 10-day weather forecast, travel requirements, city-speci?c news 
    and conditions, safety and security advisory, suggested packing list, pre-arranged 
    con?rmations for dining and other services, top must-see attractions etc.
   Let the Mastercard Concierge assist you today, so you can have your day back! 
   19                   Diners Club Card Elite
   Our experts look forward to assisting you at 1-800-336-6420.
   Costs of any goods or services provided by the concierge will be billed to 
   your World Elite Mastercard.
   Cellular Wireless Telephone Protection
   Please see the �Key Terms� section for the terms used throughout this benefit.
   Evidence of Coverage 
   Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
   appear in bold. This EOC is subject to the Legal Disclosures set forth below. 
   A. To get coverage: 
   You must charge your monthly eligible cellular wireless telephone bill to 
   your covered card. You are eligible for coverage the first day of the calendar 
   month following the payment of your eligible cellular wireless telephone bill 
   to your covered card. If you pay an eligible cellular wireless telephone bill with 
   your covered card and fail to pay a subsequent bill to your covered card in a 
   particular month, your coverage period changes as follows:   
   1.  Your coverage is suspended beginning the first day of the calendar month 
    following the month of nonpayment to your covered card; and
   2.  Your coverage resumes on the first day of the calendar month following the 
    date of any future payment of your eligible cellular wireless telephone bill 
    with your covered card.
   B. The kind of coverage you receive: 
   �  Reimbursement for the actual cost to replace or repair a stolen or damaged 
    eligible cellular wireless telephone.
   �  Coverage ends on the earliest of: The date you no longer are a cardholder ; 
    the date the covered card is determined to be ineligible by the participating 
    organization; the date the participating organization ceases to pay premium 
    on the group policy; the date the participating organization ceases to 
    participate in the group policy; the date the group policy is terminated.
   C. Coverage limitations:
   Coverage for a stolen or damaged eligible cellular wireless telephone is subject to 
   the terms, conditions, exclusions, and limits of liability of this benefit. The maximum 
   liability is $800 per claim for World Elite Mastercard, and $1,000 per covered 
   card per 12-month period. Each claim is subject to a $50 deductible. Coverage is 
   limited to two (2) claims per Covered Card per 12-month period. 
   Coverage is excess of any other applicable insurance or indemnity available 
   to you. Coverage is limited only to those amounts not covered by any other 
   insurance or indemnity. In no event will this coverage apply as contributing 
   insurance. This �noncontribution� clause will take precedence over a similar 
   clause found in other insurance or indemnity language.
   D. What is NOT covered
   The following items are excluded from coverage under the group policy:
   �  Eligible cellular wireless telephone accessories other than the standard 
    battery and standard antenna provided by the manufacturer ;
   �  Eligible cellular wireless telephones purchased for resale or for professional 
    or commercial use;
   �  Eligible cellular wireless telephones that are lost or mysteriously disappear ;
   �  Eligible cellular wireless telephones under the care and control of a common 
    carrier, including, but not limited to, the U.S. Postal Service, airplanes or 
    delivery service;
   �  Eligible cellular wireless telephones Stolen from baggage unless hand-carried and 
    under the eligible person�s supervision or under the supervision of the eligible 
    person�s traveling companion who is previously known to the eligible person;
   � Eligible cellular wireless telephones stolen from a construction site;
   �  Eligible cellular wireless telephones which have been rented or leased from a 
    person or company other than a cellular provider ;
   �  Eligible cellular wireless telephones which have been borrowed;
   Guide to Benefits            20
   �  Eligible cellular wireless telephones that are received as part 
    of a pre-paid plan;
   �  Cosmetic damage to the eligible cellular wireless telephone or damage that 
    does not impact the eligible cellular wireless telephone�s ability to make or 
    receive phone calls (including minor screen cracks and fractures less than 2 
    inches in length that do not prevent the ability to make or receive phone 
    calls or to use other features related to making or receiving phone calls);
   �  Damage or theft resulting from abuse, intentional acts, fraud, hostilities of 
    any kind (including, but not limited to, war, invasion, rebellion or insurrection), 
    confiscation by the authorities, risks of contraband, illegal activities, normal 
    wear and tear, flood, earthquake, radioactive contamination, or damage from 
    inherent product defects or vermin;
   �  Damage or theft resulting from mis-delivery or voluntary parting from the 
    eligible cellular wireless telephone;
   �  Replacement of eligible cellular wireless telephone(s) purchased from 
    anyone other than a cellular service provider�s retail or internet store that 
    has the ability to initiate activation with the cellular service provider ;
   �  Taxes, delivery or transportation charges or any fees associated with the 
    service provided; and
   �  Losses covered under a warranty issued by a manufacturer, distributor or seller.
   In addition, we shall not be deemed to provide coverage and we shall not 
   be liable to pay any claim or provide any benefit under the group policy to 
   the extent that the provision of such coverage, payment of such claim or 
   provision of such benefit would expose us, our parent company or its ultimate 
   controlling entity to any sanction, prohibition or restriction under United 
   Nations resolutions or the trade or economic sanctions, laws or regulations of 
   the European Union or the United States of America.
   E. How to file a claim
   �  Call 1-800-Mastercard or go to www.mycardbenefits.com to open a 
    claim. You must report the claim within 90 days of the loss, or as soon as 
    reasonably possible, or the claim may not be honored. Upon receipt of a 
    notice of claim, we will provide you with the necessary instructions for filing 
    proof of loss. Written proof of loss must be submitted to our administrator 
    within 120 days of the loss or the claim may not be honored. Required 
    documentation may include but is not limited to the following:
   �  Your card statement reflecting the monthly eligible cellular wireless 
    telephone payments for the month preceding the date the eligible cellular 
    wireless telephone was stolen or suffered damage;
   �  A copy of your current wireless service provider�s billing statement;
   �  If a claim is due to damage, a copy of the repair estimate and photos of the 
    damage;
   �  If the claim is due to theft, a copy of the police report filed within 48 hours 
    of the theft; and
   �  Any other documentation or information reasonably requested by us to 
    support the claim.
   Please see the �Legal Disclosure� section for all disclosures for 
   this benefit.
   Lyft
   Program Description: 
   Lyft is a rideshare service that matches you with a nearby driver who�ll take 
   you wherever you�re going. You can use the Lyft app to order a ride on 
   demand, or schedule a future ride. You can get $10 in Lyft credit every month 
   when you take 5 rides and pay with your World Elite Mastercard.
   Eligibility:
   To be eligible for this benefit, you must use a valid World Elite Mastercard 
   issued by a U.S. financial institution.
   How to use the Lyft Benefit:
   �  Download the Lyft app from the App Store, Google Play, Microsoft or 
   21                   Diners Club Card Elite
    Amazon, or get a download link at www.lyft. com/app-sms. If you already 
    have the app, make sure you�re using the latest version.
   �  Enroll your card for the benefit in the Lyft app. You�ll see a confirmation 
    screen once you�ve successfully enrolled.
   �  Take 5 Lyft rides within a calendar month, and pay for them with your World 
    Elite Mastercard. To ensure the rides have been charged with your World 
    Elite Mastercard and qualify for the benefit, complete the ride in-app by 
    tapping �Submit� on the Rate + Pay screen.
   �  Lyft will automatically add $10 in Lyft credit in your account. Track your 
    progress in the Promos section of the Lyft app.
   Terms and Conditions:
   �  See www.lyft.com/Mastercard-world-elite for full terms, including the most 
    up-to-date terms and conditions for usage of digital wallets. Lyft�s Terms of 
    Service apply. Lyft CUPC ID No. TCP0032513 - P
   �  Enrollees in the Lyft and World Elite Mastercard benefit will receive a $10 
    Lyft credit (�Credit�) for taking five (5) Lyft rides in a calendar month.  Rides 
    must be partially or fully paid for with a World Elite Mastercard credit card. 
    Limit one credit per month per Lyft account. Credit may take up to 2 days 
    to be applied. Credit expires 30 days after application.
   Boxed 
   Program Description: 
   Boxed is an online, wholesale shopping destination where you can stock up on 
   groceries, household items, health supplies, and more in bulk without a membership 
   fee. Place orders through the app or website and get everything delivered right to 
   your door. Cardholders receive 5% Cash Rewards on eligible purchases at Boxed.
   Eligibility:
   To be eligible for this benefit, you must use a valid World Elite Mastercard 
   issued by a U.S. financial institution.
   How to use the Boxed Benefit:
   1. Create a Boxed account on the Boxed website or mobile app.
   2.  Use a valid World Elite Mastercard to place an order and you will 
    automatically receive 5% Cash Rewards on eligible products in that order.
   Terms and Conditions:
   �  Full terms and conditions for this benefit, including the most up-to-date 
    terms and conditions for usage of digital wallets are found at 
    www.boxed.com/worldelite. For full terms and conditions, please visit 
    www.boxed.com/terms-conditions/
   � Customers can receive up to $500 in Cash Rewards per year.
   � World Elite Mastercard must be used for payment to receive the offer.
   �  The 5% Cash Rewards offer excludes taxes and governmental fees, discounts on 
    account of any applicable Promotions and/or Promo Codes, the application of 
    any accrued Cash Rewards, shipping charges, and Express delivery charges.
   �  The 5% Cash Rewards offer is not valid on past purchases, Express orders, 
    Boxed Hotel, gift cards and alcohol products and other items fulfilled by 
    third-parties.
   �  The 5% Cash Rewards offer cannot be used in conjunction with other Cash 
    Rewards offers from Boxed.
   �  For any order cancellations, the 5% Cash Rewards earned on those orders will 
    be deducted from the customer�s account.
   �  Cash Rewards expire twelve (12) months from the date earned unless 
    (i) redeemed in accordance with the redemption rules; or (ii) additional 
    qualified purchases are made prior to the expiration of the Cash Rewards in 
    your account, in which case all unexpired Cash Rewards in your account will 
    be renewed for an additional twelve (12) month period from the date the 
    qualifying renewal activity occurred.
   Guide to Benefits            22
   Fandango 
   Program Description: 
   Fandango is the movie destination to buy movie tickets and stream at home or on 
   the go with FandangoNOW � available via website, mobile app and supporting 
   devices. Fandango gives movie fans more with its loyalty program, Fandango VIP. 
   You can join for free for great perks and get rewarded for going to the movies. All 
   Fandango VIP members earn 125 Fandango VIP+ points for every ticket they buy. 
   When you rack up 500 points, you receive a $5 reward towards more movies at 
   home or in the theater. World Elite Mastercard cardholders get rewarded even 
   faster and are eligible to earn double the points for the tickets they buy, 250 points 
   per ticket. This means that World Elite cardholders are eligible to earn a $5 reward 
   for every 2 movie tickets purchased on Fandango.
   Eligibility:
   To be eligible for this benefit, you must use a valid World Elite Mastercard 
   issued by a U.S. financial institution.
   How to use the Fandango Benefit:
   1.  Visit www.fandango.com or download the Fandango app from the App 
    Store or Google Play.
   2. Create a Fandango VIP account.
   3.  Search for show times at a movie theater that tickets through Fandango. For a 
    complete list of participating theaters, go to this website: 
    https://www.fandango.com/movie-theaters.
   4.  When you purchase a movie ticket on Fandango using your World Elite 
    Mastercard and while logged in to your Fandango VIP account, you will 
    receive 250 points. Once you accumulate 500 Fandango VIP+ points, you 
    will receive a reward worth $5 after you see the movie. You can use the $5 
    for your next movie ticket purchase on Fandango, or to stream movies and 
    TV shows on FandangoNOW.
   Terms and Conditions:
   �  Full terms and conditions for this benefit, including the most up-to-date 
    terms and conditions for usage of digital wallets are found at 
    www.fandango.com/vip+mastercard. For full Fandango terms and conditions, 
    please visit www.fandango.com/Terms-and-Policies.
   �  Movie tickets must be purchased for a movie with a show time starting before 
    11:59 p.m. PT on the last day of the promotion period.
   �  When you receive 500 VIP+ Points, you will receive a $5.00 Discount Reward 
    which you will need to convert into a Discount Promo Code for use on a 
    qualifying purchase on www.fandango.com or www.fandangonow.com.
   �  The $5.00 Discount Reward expires 21 days after it is posted to your Fandango 
    VIP account or 90 days after it is posted to your Fandango VIP account if your 
    World Elite Mastercard is saved to your Fandango VIP account.
   �  The $5.00 Discount Reward cannot be combined with any other offer, 
    promo code or discount.
   �  The $5.00 Discount Reward cannot be used to purchase a gift card.
   �  After applying your $5.00 Discount Reward, any unused balance will 
    automatically expire.
   �  Void where prohibited.
   �  Additional taxes may be owed on a rental or purchase price shown for 
    FandangoNOW.
   Account and Billing Information
   Important: Contact your card-issuing financial institution directly for questions 
   concerning your account, such as account balance, credit line, billing inquiries (including 
   transaction exchange rates), merchant disputes, or information about additional 
   services not described in this Guide. Your financial institution�s phone number should 
   be available on your monthly billing statement or on the back of your card. 
   Reminder: Please refer to the Legal Disclosure section.
   23                   Diners Club Card Elite
   Legal Disclosure
   This Guide to Bene?ts is not, by itself, a policy or contract of insurance or other 
   contract. Bene?ts are provided to you, the accountholder, at no additional charge. 
   Non-insurance services may have associated costs, which will be your responsibility 
   (for example, legal referrals are free, but the lawyer�s fee is your responsibility).
   The insurance bene?ts are provided under a group policy issued by New 
   Hampshire Insurance Company, an AIG company, unless otherwise noted. This 
   Guide to Bene?ts is a summary of bene?ts provided to you. The attached Key 
   Terms and EOC is governed by the group policy.
   Effective date of bene?ts: Effective October 1, 2019, this Guide to Bene?ts 
   replaces all prior disclosures, program descriptions, advertising, and brochures 
   by any party. The Policyholder and the insurer reserve the right to change the 
   bene?ts and features of these programs at any time. Notice will be provided 
   for any changes.
   Cancellation: The Policyholder can cancel these bene?ts at any time or choose 
   not to renew the insurance coverage for all cardholders. If the Policyholder does 
   cancel these bene?ts, you will be noti?ed in advance. If the insurance company 
   terminates, cancels, or chooses not to renew the coverage to the Policyholder, 
   you will be noti?ed as soon as is practicable. Insurance bene?ts will still apply 
   for any bene?ts you were eligible for prior to the date of such terminations, 
   cancellation, or non-renewal, subject to the terms and conditions of coverage.
   Bene?ts to you: These bene?ts apply only to the cardholder whose cards 
   are issued by U.S. ?nancial institutions. The United States is de?ned as the ?fty 
   (50) United States, the District of Columbia, American Samoa, Puerto Rico, 
   Guam, and the U.S. Virgin Islands, unless otherwise noted. No person or entity 
   other than the cardholder shall have any legal or equitable right, remedy, or 
   claim for bene?ts, insurance proceeds and damages under or arising out of 
   these programs. These bene?ts do not apply if your cardholder privileges have 
   been cancelled. However, insurance bene?ts will still apply for any bene?t 
   you were eligible for prior to the date that your account is suspended or 
   cancelled, subject to the terms and conditions of coverage herein.
   Transfer of rights or bene?ts: No rights or bene?ts provided under these 
   insurance bene?ts may be assigned without the prior written consent of the 
   claim administrator for these bene?ts.
   Misrepresentation and Fraud: Any coverage bene?ts hereunder shall be 
   void if the cardholder has concealed or misrepresented any material facts 
   concerning this coverage.
   Dispute Resolution � Arbitration: This EOC requires binding arbitration if 
   there is an unresolved dispute concerning this EOC (including the cost of, lack 
   of or actual repair or replacement arising from a loss or breakdown). Under 
   this Arbitration provision, You give up your right to resolve any dispute arising 
   from this EOC by a judge and/or a jury. You also agree not to participate as 
   a class representative or class member in any class action litigation, any class 
   arbitration or any consolidation of individual arbitrations. In arbitration, a 
   group of three (3) arbitrators (each of whom is an independent, neutral third 
   party) will give a decision after hearing the parties� positions. The decision of 
   a majority of the arbitrators will determine the outcome of the arbitration 
   and the decision of the arbitrators shall be ?nal and binding and cannot be 
   reviewed or changed by, or appealed to, a court of law.
   To start arbitration, the disputing party must make a written demand to 
   the other party for arbitration. This demand must be made within one (1) 
   year of the earlier of the date the loss occurred or the dispute arose. The 
   parties will each separately select an arbitrator. The two (2) arbitrators 
   will select a third arbitrator called an �umpire.� Each party will each pay 
   the expense of the arbitrator selected by that party. The expense of the 
   umpire will be shared equally by the parties. Unless otherwise agreed to by 
   Guide to Benefits            24
   the parties, the arbitration will take place in the county and state in which 
   you live. The arbitration shall be governed by the Federal Arbitration Act 
   (9 U.S.C.A. � 1 et. seq.) and not by any state law concerning arbitration. The 
   rules of the American Arbitration Association (www.adr.org) will apply to 
   any arbitration under this EOC. The laws of the state of New York (without 
   giving effect to its con?ict of law principles) govern all matters arising out of or 
   relating to this EOC and all transactions contemplated by this EOC, including, 
   without limitation, the validity, interpretation, construction, performance and 
   enforcement of this EOC.
   Due Diligence: All parties are expected to exercise due diligence to 
   avoid or diminish any theft, loss or damage to the property insured under these 
   programs. Due Diligence shall mean the performance of all vigilant activity, 
   attentiveness, and care that would be taken by a reasonable and prudent person 
   in the same or similar circumstances in order to guard and protect the item. 
   Subrogation: If payment is made under these bene?ts, we are entitled to 
   recover such amounts from other parties or persons. Any party or cardholder 
   who receives payment under these bene?ts must transfer to us his or her 
   rights to recovery against any other party or person and must do everything 
   necessary to secure these rights and must do nothing that would jeopardize 
   them, or these rights will be recovered from the cardholder.
   Salvage: If an item is not repairable, our administrator may request that you 
   and/or the cardholder send the item to our administrator for salvage at your 
   and/or cardholder�s expense. Failure to remit the requested item for salvage to 
   our administrator may result in denial of the claim.
   Other Insurance: Coverage is secondary to and in excess of any other 
   applicable insurance or indemnity available to you. Coverage is limited to only 
   those amounts not covered by any other insurance or indemnity. Coverage 
   is subject to the conditions, limitations, and exclusions described in this 
   document. In no event will this coverage apply as contributing insurance. This 
   Other Insurance clause will take precedence over a similar clause found in 
   other insurance or indemnity language.
   In no event will these insurance bene?ts apply as contributing insurance. 
   The non-contribution insurance clause will take precedence over the non-
   contribution clause found in any other insurance policies.
   Severability of Provisions: If in the future any one or more of the provisions 
   of this Guide to Bene?ts is, to any extent and for any reason, held to be invalid 
   or unenforceable, then such  provision(s) shall be deemed severable from the 
   remaining provisions of the Guide. In that event, all other provisions of this Guide 
   shall remain valid and enforceable. Bene?ts listed in this Guide to Bene?ts are 
   subject to the conditions, limitations, and exclusions described in each bene?t 
   section. Receipt and/or possession of this Guide to Bene?ts does not guarantee 
   coverage or coverage availability.
   This Guide is intended as a summary of services, bene?ts, and coverages and, in 
   case of a con?ict between the Guide and any any master insurance policy(ies) 
   or group policy or actual offering shall control. Provision of services is subject to 
   availability and applicable legal restrictions. The Guide to Bene?ts contains the entire 
   agreement between You and Us. Representations or promises made by anyone 
   that are not contained in the Guide to Bene?ts are not a part of your coverage.
   25                   Diners Club Card Elite
   Washington Residents: For Washington residents only, Evidence of Coverage 
   (EOC) means the section of this Guide to Benefits that describes the terms, 
   conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal 
   Disclosures are in the entire agreement between you and us. Representations 
   or promises made by anyone that are not contained in the EOC, Key Terms, or 
   Legal Disclosures are not part of your coverage. In case of a conflict between this 
   Guide to Benefits and the group policy, the Guide to Benefits shall control. 
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
   Guide to Benefits            26
   27                   Diners Club Card Elite
    Diners Club and Diners Club International with the Split Circle 
   Device are registered trademarks of Diners Club International Ltd. 
   To ?le a claim, call 1-800-Mastercard: 1-800-627-8372,
         or en Espa�ol: 1-800-633-4466.
      Visit our Web site at www.mastercard.com.
   Guide to Benefits            28
   Notes
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   29                   Diners Club Card Elite
    Diners Club and Diners Club International with the Split Circle Device are 
    registered trademarks of Diners Club International Ltd.
    Mastercard, Maestro, and Cirrus are registered trademarks and the circles design 
    are trademarks of Mastercard International Incorporated.
    Banking products and services are subject to bank and credit approval and are 
    provided by BMO Harris Bank N.A. Member FDIC.
    � 2020 BMO Harris Bank N.A. (11/20)                     50347167 20-2103