BMO Harris 
Credit Cards

BMO Harris Small Business 
Credit Cards

Guide to benefits

BMO Harris Bank Business Platinum MasterCard®

BMO Harris Bank Business Platinum Rewards MasterCard®

Important information. Please read and save.

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To file a claim or for more information on any of these services,  
call the MasterCard Assistance Center at 1-800-MasterCard  
(1-800-627-8372) or en Español: 1-800-633-4466.

“Card” refers to MasterCard® card and “Cardholder”  
refers to a MasterCard® cardholder. 

MasterCard® Guide to Benefits
Benefits that are always with you
Effective 1/1/2016

KEY TERMS
The following Key Terms apply to the following benefits: MasterRental, Purchase Assurance and  
Extended Warranty.

Key Terms:
You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer 
to New Hampshire Insurance Company, an AIG company.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the 
administrator if you have questions regarding this coverage or would like to make a claim. The 
administrator can be reached by phone at 1-800-MasterCard.
Authorized driver(s) means a driver with a valid driver’s license issued from their state of 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.
Covered card means the MasterCard® card.
Damage means items that can no longer perform the function they were intended to do in normal 
service due to broken parts, material or structural failures.
Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. 
The EOC, Key Terms, and Final Legal Disclosures are the entire agreement between You and Us. 
Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Final 
Legal Disclosures are not a part of your coverage.
Manufacturer suggested retail price (MSRP) means the purchase price of the vehicle or the 
value of the vehicle based on the National Automobile Dealers Association website at  
www.nada.com or similar source.
Rental agreement means the entire agreement or contract that you receive when renting a vehicle 
from a vehicle rental agency that describes in full all of the terms and conditions of the rental, as 
well as the responsibility of all parties under the rental agreement.
Stolen means items that are taken by force and/or under duress or the disappearance of the item 
from a known place under circumstances that would indicate the probability of theft.
United States Dollars (USD) means the currency of the United States of America.
Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and 
intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport 
utility vehicles that are designed to accommodate fewer than nine (9) passengers.

MASTERRENTAL COVERAGE
Evidence of Coverage
Pursuant to the below terms and conditions, when you rent a vehicle for thirty-one (31) consecutive 
days or fewer with your covered card, you are eligible for benefits under this coverage. 
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and 
Final Legal Disclosures.

A. To get coverage:
You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are 
not considered rental charges) with your covered card and/or the accumulated points from your 
covered card at the time the vehicle is returned. If a rental company promotion/discount of any 
kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental must 
be billed to your covered card.

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You must decline the optional collision/damage waiver (or similar coverage) offered by the rental 
company. You must rent the vehicle in your own name and sign the rental agreement.

Your rental agreement must be for a rental period of no more than thirty-one (31) consecutive 
days. Rental periods that exceed or are intended to exceed thirty-one (31) consecutive days are not 
covered. The rented vehicle must have a MSRP that does not exceed $50,000 USD.

B. The kind of coverage you receive:
We will pay for the following on a primary 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.
•  Theft or damage to personal effects in transit in the rental vehicle or in any building en route 

during a trip using the rental vehicle.

This coverage is not all-inclusive, which means it does not cover such things as personal injury, 
personal liability, or personal property. It does not cover you for any damages to other vehicles or 
property. It does not cover you for any injury to any party.

C. Coordination of benefits:
When MasterRental is provided on a secondary basis and a covered loss has occurred, the order in 
which benefits are determined is as follows:
1. You or an authorized driver’s primary auto insurance;
2. Collision/damage waiver provided to you by the rental agency;
3. Any other collectible insurance; 
4. The coverage provided under this EOC.

If you or an authorized driver’s primary auto insurance or other coverage has made payments for 
a covered loss, we will cover your deductible and any other eligible amounts, described in Section B, 
not covered by the other insurance.
Note: In certain parts of the United States and Canada losses to rental vehicles that are covered 
by your personal vehicle insurance policy liability section may not be subject to a deductible, which 
means that you may not receive any benefits from this program. Contact your insurance provider for 
full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover you in territories or countries 
outside of the United States, coverage is considered primary coverage. 

D. Who is covered:
The covered card cardholder and those designated in the rental agreement as authorized drivers.

E. Excluded rental vehicles:
•  All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford 

EconoVan), cargo vans, campers, off-road vehicles, and other recreational vehicles.

•  All sport utility trucks. These are vehicles that have been or can be converted to an open, flat bed 

truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).

•  Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
•  Antique vehicles (vehicles that are more than twenty (20) years old or have not been 

manufactured for at least ten (10) years), or limousines. 

•  Any rental vehicle that has a MSRP that exceeds $50,000 USD.

F. Where you are covered:
Coverage is available worldwide.
Coverage is not available in countries where:
a.  This EOC is prohibited by that countries law; or
b.  The terms of the EOC are in conflict with the laws of that country.

G. Coverage limitations:
We will pay the lesser of the following:
a)  The actual repair amount;
b) Wholesale market value less salvage and depreciation;
c)  The rental agency’s purchase invoice less salvage and depreciation; or 
d) $50,000 USD.

In addition, coverage is limited to $500 USD per incident for reasonable loss of use charges imposed 
by the vehicle rental company for the period of time the rental vehicle is out of service.
We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.

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H. What is NOT covered:
•  Any personal item stolen from the interior or exterior of rental vehicles.
•  Vehicle keys or portable Global Positioning Systems (GPS).
•  Vehicles not rented by the cardholder or authorized user on the covered card.
•  Any person not designated in the rental agreement as an authorized driver.
•  Any obligations you assume other than what is specifically covered under the rental agreement 

or your primary vehicle insurance or other indemnity policy.

•  Any violation of the written terms and conditions of the rental agreement.
•  Any loss that occurs while driving under the influence of drugs or alcohol. 
•  Any loss associated with racing or reckless driving.
•  Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce 
the keys to the rental vehicle at the time of reporting the incident to police and/or rental agency, 
as a result of negligence.

•  Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
•  Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
•  Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a 

vehicle collision causing tire or rim damage.

•  Rental vehicles where collision/damage waiver coverage (or similar coverage) was accepted/

purchased by you.

•  Any damage that is of an intentional or non-accidental nature, caused by you or an authorized 

driver of the rental vehicle.

•  Depreciation, diminishment of value, administrative, storage, or other fees charged by the vehicle 

rental company.

•  Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of  

thirty-one (31) consecutive days from a rental agency.

•  Losses resulting from any kind of illegal activity. 
•  Damage sustained on any road not regularly maintained by a municipal, state, or federal entity. 
•  Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, 
rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public 
authority, or customs official; risks of contraband; illegal activity or acts.

•  Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or 

livery conveyance.

•  Theft of, or damage to, unlocked or unsecured vehicles.
•  Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
•  Interest or conversion fees that are charged to you on the covered card by the financial institution.

I. How to file a claim:
•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days 

of the loss or the claim may not be honored.

•  You may choose to assign your benefits under this insurance program to the rental agency 
from which you rented your vehicle. Please contact us or our designated representative for 
further details.

•  Submit the following documentation within one hundred and eighty (180) days of the incident or 

the claim will not be honored:

  – Completed and signed claim form.
  – Receipt showing the vehicle rental.
  – Statement showing the vehicle rental.
  – The rental agreement (front and back).
  – Copy of Your valid driver’s license (front and back).
  –  Copy of the declarations page of any primary vehicle insurance and 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-authorized collision repair facility. 
  –  Copy of the 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.

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PURCHASE ASSURANCE COVERAGE

Evidence of Coverage
Pursuant to the below terms and conditions, when an item you bought with your covered card is 
damaged or stolen within ninety (90) days of purchase, you may be eligible for benefits under this 
coverage. Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in 
bold and Final Legal Disclosures.

A. To get coverage:
•  You must purchase the new item entirely with your covered card and/or accumulated points from 

your covered card for yourself or to give as a gift. 

B. The kind of coverage you receive: 
•  Most items you purchase entirely with your covered card are covered if damaged or stolen for 

ninety (90) days from the date of purchase as indicated on your covered card’s receipt.

•  Items you purchase with your covered card and give as gifts also are covered.
•  This coverage is secondary to any other applicable insurance or coverage available to you or the gift 
recipient. Coverage is limited to only those amounts not covered by any other insurance or coverage 
benefit.

C. Coverage limitations:
•  Coverage is limited to the lesser of the following:
  – The actual cost of the item (excluding delivery and transportation costs).
  –  A maximum of $10,000 USD per loss and a total of $50,000 USD per cardholder account per 

twelve (12)-month period.

•   Purchases that are made up of a pair or set will be limited to the cost of repair or replacement 
of the specific item stolen or damaged. If the specific item cannot be replaced individually or 
repaired, the value of the pair or set will be covered not to exceed the limits above.

•   Coverage for stolen or damaged jewelry or fine art will be limited to the actual purchase price as 

listed on your credit card statement, regardless of sentimental or appreciated market value. 

Note: Salvage may apply to this coverage; see the Final Legal Disclosures for details.

D. What is NOT covered:
•  Items left in public sight, out of arm’s reach, lacking care, custody or control by the cardholder.
•   Lost items, and items that mysteriously disappear (the only proof of loss is unexplained or there is 
no physical evidence to show what happened to the item) without any evidence of a wrongful act.

•  Items that are stolen from any location or place (including, but not limited to, exercise facilities, 
places of employment, schools, or places of worship) due to the lack of due diligence by you or 
another party. 

•  Items lost, stolen, damaged, or mis-delivered while under the care, custody, and control of 

another party or common carrier (including, but not limited to, airlines, the U.S. Postal Service, 
UPS, FedEx, or other delivery services).

•  Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.
•  Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.
•  Losses that cannot be verified or substantiated.
•  Items covered by a manufacturer’s recall or class action suit.
•  Items that you damage through alteration (including, but not limited to, cutting, sawing, shaping).
•  Used or antique items; collectibles of any kind (such as items designed for people to collect or 
items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or 
remanufactured items.

•  Stolen items without a documented report from the police.
•  Items that are damaged during transport via any mode.
•  Items stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle, automobile or 

any other motor vehicles.

•  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and 

motorcycles, or their motors, equipment, or accessories. Motorized equipment not designed for 
transportation and used solely for the upkeep and maintenance of a residence is eligible for 
coverage (including, but not limited to, snow thrower, lawn mowers, and hedge trimmers).
•  Land, any buildings (including, but not limited to, homes and dwellings), permanently installed 
items (examples: items wired directly to the electrical system or attached to structure of the 
building), 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.
•  Professional services (including, but not limited to, the performance or rendering of labor or 

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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). 
•  Rented, leased, or borrowed items for which you will be held responsible.
•  Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.
•  Any shipping charges, transportation and delivery charges, or promised time frames for delivery, 

whether or not stated or covered by the manufacturer’s warranty.

•  Interest or conversion fees that are charged to you on the covered card by the financial institution.

E. How to file a claim:
•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days 

of the loss or the claim may not be honored. 

•  Submit the following documentation within one hundred and eighty (180) days of the date you 

report the claim:

  – Completed and signed claim form.
  – 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 or protection (including, but not 

limited to, homeowner’s, renter’s, or auto insurance policy).

  –  Any other documentation that may be reasonably requested by us or our administrator to 

validate a claim.

EXTENDED WARRANTY COVERAGE

Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and 
Final Legal Disclosures.

A. To get coverage:
•  You must purchase the new item entirely with your covered card and/or accumulated points from 

your covered card for yourself or to give as a gift.

•  The item must have an original manufacturer’s (or U.S. store brand) warranty of sixty (60) months 

or less. 

B. The kind of coverage you receive:
•  Extended Warranty doubles the original manufacturer warranty up to a maximum of twelve (12) 
months on most items you purchase. For products with multiple warranty components, each 
warranty time period will be extended up to a maximum of twelve (12) 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 twelve (12) months or 
less on your item, we will cover up to an additional twelve (12) 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 twelve (12) 
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 USD, whichever is less.

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•  If either the original manufacturer’s (or U.S. store brand) warranty or the service contract covers 

more than sixty (60) 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.

Note: Salvage may apply to this coverage; see the Final Legal Disclosures for details.

D. What is NOT covered:
•  Used or antique items; collectibles of any kind (such as items designed for people to collect or 

items that over time become collectibles) that do not come with a manufacturer warranty (repair 
or replacement amount will not include market value at time of claim); recycled, previously owned, 
refurbished, rebuilt, or remanufactured items; product guarantees (e.g., glass breakage).

•  Floor models that do not come with an original manufacturer warranty. 
•  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and 

motorcycles, or their motors, equipment, or accessories. Parts, if purchased separately, may be 
covered.

•  Land, any buildings (including, but not limited to, homes and dwellings), permanently installed 
items (examples: items wired directly to the electrical system or attached to structure of the 
building), 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. 

•  Mechanical failures caused by lack of maintenance/service.
•  Losses caused by power surge, contamination by radioactive or hazardous substances,  

including mold.

•  Physical damage to the item.
•  Any exclusion listed in the original manufacturer’s warranty.

E. How to file a claim:
•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days 

of the failure or the claim may not be honored. 

•  Submit the following documentation within one hundred and eighty (180) days from the date of 

failure or the claim may not be honored: 

  – Completed and signed claim form.
  – 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.

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PRICE PROTECTION

The Final Legal Disclosure is part of this agreement.

Key Terms:
Throughout this document, You and Your refer to the cardholder or authorized user of the covered 
card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG company.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the 
administrator if you have questions regarding this coverage or would like to make a claim. The 
administrator can be reached by phone at 1-800-MasterCard.
Auction (online or live) means a place or Internet site where items are sold through price bids, 
price quotes, or where prices fluctuate based on the number of people purchasing, or interested in 
purchasing a product. (Examples include, but are not limited to, Ebay, Ubid, Yahoo, public or private 
live auctions, etc.).
Authorized user means an individual who is authorized to make purchases on the covered card 
by the cardholder and is recorded by the Participating Organization on its records as being an 
authorized user.
Cardholder means the person who has been issued an account by the Participating Organization for 
the covered card.
Covered card means the MasterCard card.
Non-auction internet advertisements means advertisements posted on the Internet by a non-
Auction Internet merchant with a valid tax identification number. The advertisement must have been 
posted within sixty (60) days after the date you purchased the product and must be for the identical 
item (advertisement must verify same manufacturer and model number). The printed version of 
the Internet advertisement must include the merchant’s Internet address and customer service 
telephone number, as well as the item including manufacturer, model number, sale price and date 
of publication.
Printed advertisements means advertisements appearing in a newspaper, magazine, store circular, 
or catalog which state the authorized dealer or store name, item (including make, model number), 
and sale price. The advertisement must have been published within sixty (60) days after the date 
you purchased the product and must be for the identical item (advertisement must verify same 
manufacturer and model number).

A. To get coverage:
• You must purchase the new item entirely with your covered card and/or accumulated points from 

your covered card for yourself or to give as a gift. 

• You must see either a printed advertisement or non-auction Internet advertisement for the 

same product (advertisement must verify same manufacturer and model number) for a lower price 
within sixty (60) days from the date of purchase as indicated on your receipt.

B. The kind of coverage you receive:
•  Purchases you make entirely with your covered card are covered for sixty (60) days from the 

date of purchase as indicated on your receipt for the difference between the price you paid and 
the lower price advertised.

•  Items you purchase with your covered card and give as gifts also are covered.
•  This coverage is secondary to any other applicable insurance or coverage available to you or 

the gift recipient including benefits provided by the retailer (including, but not limited to, refunds, 
exchanges, and store credits). Coverage is limited to only those amounts not covered by any other 
insurance or coverage, or retailer benefits (including, but not limited to, refunds, exchanges, and 
store credits).

C. Coverage limitations:
Coverage is limited to the difference between the actual cost of the item (excluding taxes, storage, 
shipping, and handling costs) and the advertised lower price, up to $250 per claim. There is a 
maximum of four (4) claim(s) per cardholder account per twelve (12)-month period.

D. What is NOT covered:
•  Any item purchased from an Internet site whose primary purpose is not the sale of the item or  

related items.

•  Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people 
to collect or items that over time become collectibles); recycled, previously owned, refurbished, 
rebuilt, or remanufactured items.

•  Customized/personalized, one-of-a-kind, or special-order items.
•  Layaway items; items returned to any store.
•  Any items purchased from an auction.

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•  Items for which the printed advertisement or non-auction Internet advertisement containing 

the lower price was published after sixty (60) days from the date you purchased the item. 
•  Items advertised or shown as price quotes, bids or final sale amounts from a non-auction  

Internet site.

•  Items advertised in or as a result of “limited quantity,” “going out-of-business sales,” “close out”, 

or as “discontinued.”

•  Printed advertisements or non-auction Internet advertisements that display pricing lower 
than your purchased item due to rebates, special offerings, bonuses, free items/giveaways, 
manufacturer’s coupons, or special financing. 

•  Professional services, including workmanship, installation, professional advice/counseling, and 

technical support or help line.

•  Plants, shrubs, animals, pets, consumables, and perishables.
•  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and 

motorcycles, or their motors, equipment, or accessories. 

•  Land, any buildings (including, but not limited to, homes and dwellings), permanently installed 

items, fixtures, structures, or home improvement.

•  Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or mammals). 
•  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), 
negotiable instruments, bullion, rare or precious metals, stamps, and coins, currency or its 
equivalent.

•  Differences in price due to sales tax, storage, shipping, handling, postage, transportation, and 

delivery.

•  Differences in price due to foreign exchange rates or fluctuation in foreign exchange rates.

E. How to file a claim:
For a Printed Advertisement:
•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days 

of the incident or the claim may not be honored.

•  Submit the following documentation within one hundred and eighty (180) days of the 

advertisement’s publication:

  – Completed and signed claim form.
  –  A copy of the printed advertisement that shows the date of the advertisement, retailer name, 
the product (advertisement must verify same manufacturer and model number), and sale price.

  – Receipt showing the item(s) was purchased.
  – Statement showing item(s) purchased and use of accumulated point.
  – Itemized purchase receipt(s).
  –  Any other documentation that may be reasonably requested by us or our administrator to 

validate a claim.

For a Non-Auction Internet Advertisement:
•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days 

of the incident or the claim may not be honored.

•  Submit the following documentation within one hundred and eighty (180) days of the 

advertisement’s publication:

  – Completed and signed claim form.
  –  A copy of the non-auction Internet advertisement that shows the date of the advertisement, 
website address, retailer name, the product (advertisement must verify same manufacturer and 
model number), sale price, and, if applicable, shipping, handling and other charges.

  – Receipt showing the item(s) was purchased.
  – Statement showing item(s) purchased.
  – Itemized purchase receipt(s).
  –  Any other documentation that may be reasonably requested by us or our administrator to validate 

a claim.

IDENTITY THEFT PROTECTION

Program Description
Personal Identity Theft Resolution Services provides you with access to a number of Identity Theft 
resolution services, should you believe you are a victim of Identity Theft.

Eligibility
To be eligible for this coverage, you must be a valid MasterCard cardholder issued by a U.S.  
financial institution.
Access
Contact 1-800-MasterCard if you believe you have been a victim of Identity Theft.

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Services Provided
Services provided are on a 24-hour basis, 365 days a year. They include:
•  Providing the cardholder with a uniform Identity Theft Affidavit and providing assistance with 

completion of the Affidavit. It is the responsibility of the cardholder to submit the Affidavit to the 
proper authorities, credit bureaus, and creditors.

•  Assistance in notifying all three major credit reporting agencies to obtain a free credit report for 

the cardholder and placing an alert on the cardholder’s record with the agencies.

•  Assisting the cardholder with debit, credit and/or charge card replacement.
•  Assisting the cardholder with membership/affinity card replacement.
•  Educating the cardholder on how Identity Theft can occur and of protective measures to avoid  

further occurrences.

•  Providing the cardholder with the Identity Theft Resolution Kit.
•  Providing the cardholder with sample letters for use in canceling checks, ATM cards,  

and other accounts.

Identity Theft Alerts
MasterCard is offering cardholders cyber security through Identity Theft Alerts, CSID’s proprietary 
Internet surveillance technology that proactively detects the illegal trading and selling of personally 
identifiable information (PII) online. At any point in time, Identity Theft Alerts is tracking thousands of 
websites and millions of data points, and alerting cardholders whose personal information they find 
has been compromised online. This information is being gathered in real-time so that Cardholders 
have the opportunity to react quickly and take the necessary steps to protect themselves.
Get started at no cost to you by enrolling at http://www.mastercard.us/idtheftalerts

Charges
There is no charge for these services. They are provided by your financial institution.

Services NOT Provided
•  When it is determined you have committed any dishonest, criminal, malicious, or fraudulent act.
•  When your financial institution or card issuer, which provides this service, has investigated the 

event and deemed you are responsible for the charge or event.

•  When any theft or unauthorized use of an account by a person to whom the account has been 

entrusted has been committed.

Program Provisions For Personal Identity Theft Services
This service applies 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, CSIdentity Corporation, relies on the truth of statement made in the Affidavit 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 modified by subsequent endorsements. 
Modifications to the terms and conditions may be provided via additional guide mailings, statement 
inserts, or statement messages. MasterCard or your financial institution can cancel or non-renew 
these services and, if we do, we will notify you at least thirty (30) days in advance. If the Provider 
non-renews or cancels any services provided to eligible MasterCard cardholders, you will be notified 
within 30–120 days before the expiration of the service agreement. In the event substantially similar 
coverage takes effect without interruption, no such notice is necessary. For general questions 
regarding these services, please contact 1-800-MasterCard.

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WorldWide AutomAtic trAvel Accident insurAnce & BAggAge delAy
Description of Coverage

THE PLAN
As a Cardholder, you, your spouse or domestic partner and unmarried dependent children will be 
automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as 
a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the 
passenger fare(s), less redeemable certificates, vouchers or coupons, has been charged to your 
Card account. If the entire cost of the passenger fare has been charged to your Card account prior 
to departure for the airport, terminal or station, coverage is also provided for common carrier travel 
(including taxi, bus, train or airport limousine); immediately, a) preceding your departure, directly to 
the airport, terminal or station b) while at the airport, terminal or station, and c) immediately following 
your arrival at the airport, terminal or station of your destination. If the entire cost of the passenger 
fare has not been charged prior to your arrival at the airport, terminal or station, coverage begins at 
the time the entire cost of the travel passenger fare is charged to your Card account. This coverage 
does not include Commutation. Commutation is defined as travel between the Insured Person’s 
residence and regular place of employment. Common Carrier means any land, water or air 
conveyance operated by those whose occupation or business is the transportation of persons without 
discrimination and for hire.

IMPORTANT DEFINITIONS
Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. 
Dependent Child(ren) means those children, including adopted children and children placed for 
adoption, who are primarily dependent upon the Insured Person for maintenance and support and 
who are: 1) under the age of twenty-five (25) and reside with the Insured Person; or 2) beyond the 
age of twenty-five (25), permanently mentally or physically challenged, and incapable of self support; 
or 3) under the age of twenty-six (26) and classified as a full-time student at an institution of higher 
learning. Domestic Partner means a person designated in writing by the primary insured person, 
who is at least eighteen (18) years of age, and who during the past twelve (12) months: 1) has been 
in a committed relationship with the primary insured person; and 2) has been the primary insured 
person’s sole spousal equivalent; and 3) has resided in the same household as the primary insured 
person; and 4) has 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 $250,000 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 four (4) fingers on the same hand; with respect to a foot, 
complete severance through or above the ankle joint. The Company will consider it a loss of hand or 
foot even if they are later reattached. “Benefit Amount” means the Loss amount applicable at the 
time the entire cost of the passenger fare is charged to a Card account. The loss must occur within 
one year of the accident. The Company will pay the single largest applicable Benefit Amount. In no 
event will duplicate request forms or multiple charge cards obligate the Company in excess of the 
stated Benefit Amounts for any one loss sustained by any one individual insured as the result of any 
one accident. In the event of multiple accidental deaths per account arising from any one accident, 
the Company’s liability for all such losses will be subject to a maximum limit of insurance equal to 
three (3) times the Benefit Amount for loss of life. Benefits will be proportionately divided among the 
Insured Persons up to the maximum limit of insurance.

BAGGAGE DELAY
We will reimburse the Insured Person up to the Daily Benefit Amount of $300 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, traveler’s checks and valuable papers; or 4) business samples. The Baggage Delay Benefit 
Amount is excess over any other insurance (including homeowner’s) 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 

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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 is provided to cardholders automatically when the entire cost of the passenger 
fare(s) are charged to a Card account while the insurance is effective. It is not necessary for you to 
notify the administrator or the Company when tickets are purchased.

THE COST
This travel insurance plan is provided at no additional cost to eligible cardholders. BMO Harris Bank 
N.A. pays the premium for this insurance.

BENEFICIARY
The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such 
designation has been made, that benefit will be paid to the first surviving beneficiary in the following 
order: a) the Insured’s spouse, b) the Insured’s children, c) the Insured’s parents, d) the Insured’s 
brothers and sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured

EXCLUSIONS
This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, mental 
or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection 
(except bacterial infection caused by an accident or from accidental consumption of a substance 
contaminated by bacteria), or bodily malfunctions; 2) suicide, attempted suicide or intentionally 
self-inflicted injuries; 3) declared or undeclared war, but war does not include acts of terrorism. This 
insurance also does not apply to an accident occurring while an Insured is acting or training as a 
pilot or crew member. 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 
one (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 1-855-830-3728. 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 it 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 

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Customer Insurance Trust. If this plan does not conform to your state statutes, it will be amended to 
comply with such laws. If a statement in this description of coverage and any provision in the policy 
differ, the policy will govern.

Answers to specific questions can be obtained by writing the Plan Administrator:  
Direct Marketing Group, 13265 Bedford Avenue, Omaha, NE 68164.

Plan Underwritten By Federal Insurance Company (“Company”), a member insurer of the Chubb 
Group of Insurance Companies, 15 Mountain View Road, P.O. Box 1615, Warren, NJ 07061-1615 
Form No. FS634L

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TERMS AND CONDITIONS FOR MASTERASSIST  

This document details the MasterAssist™ services available to you as a member of the plan 
described as follows: 
Eligibility: In order to be eligible for the services and benefits offered by MasterCard International  
through AXA Assistance USA, you must be a beneficiary as defined below. Membership to the 
program is non-transferable.
Duration of coverage: As long as you remain a MasterCard cardholder in good standing, you will 
have access to the assistance services described herein. 
Availability of services: MasterAssist is available worldwide, with the exception of those countries 
and territories which may be involved in an international or internal conflict, or in those countries 
and territories where the existing infrastructure is deemed inadequate by AXA Assistance USA to 
guarantee service. The Beneficiary may contact MasterAssist prior to embarking on a covered trip to 
confirm whether or not services are available at his/her destination(s).
Access: The services and benefits offered in the MasterCard program will be arranged by  
AXA Assistance USA.
For 24-hour emergency assistance, call the MasterCard Assistance Center at:
Toll-free number in the United States: 1-800-307-7309
Outside the United States, call collect at 636-722-7111

I. GENERAL DEFINITIONS
Beneficiary: An eligible MasterCard cardholder in good standing whose card has been issued by 
an institution located in the United States and with his/her permanent address of residence within 
the United States; such cardholder’s spouse; or a dependent child under the age of nineteen (19) or 
under the age of twenty-five (25) in the case of a dependent full-time college student. In either case 
the family member resides permanently at the same address as the cardholder and is traveling with 
the cardholder.
Family Member: Any Beneficiary’s common law spouse, and his or her children.
MasterAssist™: Service provided by AXA Assistance USA, Inc. on behalf of MasterCard 
International. 

II. CONTENT OF THE ASSISTANCE SERVICES
The Beneficiary is entitled to obtain the following services (i) when 100 miles (160km) or more away 
from such Beneficiary’s primary residence; or (ii) while traveling overseas outside the home country 
of origin: 

1. TRAVEL MEDICAL EMERGENCY ASSISTANCE
Referrals to medical services: If you have a medical emergency while traveling, MasterAssist 
will refer you to qualified: physicians, hospitals, clinics, ambulances, private duty nurses, dentists, 
dental clinics, services for the disabled, opticians, ophthalmologists, pharmacies, suppliers of contact 
lenses and medical aid equipment.
For the convenience of the cardholder, MasterAssist will make arrangements for a general practice 
physician to consult the Beneficiary’s hotel or current location while traveling. Although MasterAssist 
service will make every effort, this service may not be available in all states and countries. If a 
physician cannot be dispatched, other arrangements will be made by MasterAssist and options will 
be offered to the Beneficiary. It is expressly understood and agreed upon that all costs are the sole 
responsibility of the cardholder. 

Hospital admission: If you require hospitalization, MasterAssist can organize the hospital admission 
and, if requested, the guarantee of medical expenses. It is expressly understood and agreed upon 
that all costs are the sole responsibility of the cardholder and can be charged to the cardholder’s 
account, subject to authorization by the Card Issuer.

Medical transportation/Medical evacuation
If the MasterAssist medical department determines that adequate medical facilities are not locally 
available in the event of an accident or illness, MasterAssist service will arrange for an emergency 
evacuation to the nearest facility capable of providing adequate care. The MasterAssist service team 
of physicians will be able to make travel recommendations including the mode of transport, whether 
or not an escort is needed (medical or non-medical), as well as ground transport requirements (for 
example, wheelchair assistance, ambulance at each end). It is expressly understood and agreed 
upon that all costs are the sole responsibility of the cardholder.

Repatriation of remains
In the event of the Beneficiary’s death, MasterAssist will arrange for the repatriation of remains 
to the place of burial in his/her country of residence. Transportation of remains will be subject to 
international laws and regulations. It is expressly understood and agreed upon that all costs are the 
sole responsibility of the cardholder.

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Prescription transfer/shipping
MasterAssist helps the Beneficiary replace lost or misplaced medication or other important items 
such as eyeglasses or contact lenses, by first endeavoring to find a local resource for replacement, 
or by locating and arranging prompt shipment of the item or its equivalent (subject to local law).

2. TRAVEL SERVICES MEDICAL PROTECTION
If you have a medical emergency away from home, MasterAssist Medical Protection can help you get 
the best care. MasterAssist Medical Protection is an insurance program.

What is covered:
•  A global referral network of local physicians, dentists, hospitals,  

and pharmacies.

•  Emergency treatment by a physician or dentist, for covered medical, 
surgical, and dental conditions arising from illness or accidental 
injury incurred during your trip. Each covered individual can receive 
up to USD $2,500 in coverage. (Because coverage is secondary, file 
with your own insurance company first, then we’ll help cover the 
difference.) There is a deductible of USD $50 per person, per trip.

•  Coverage is limited to emergency medical services resulting 

from accidental injury or emergency illness, which, if not treated 
immediately, could be expected by a prudent layperson to place a 
patient’s life, or the life of an unborn child, in jeopardy or seriously 
impair the patient’s bodily functions. Emergency illness benefits are 
limited to a maximum of USD $500 per day.

•  If you’re hospitalized while traveling alone, we’ll make 

arrangements to obtain care. If needed, we’ll pay for transportation to another medical facility 
or your home. If you’re traveling with dependent children, we’ll arrange, and pay, for their return 
home if your hospitalization is expected to last eight (8) days or more.

•  When you’re traveling alone and hospitalized outside the United States for more than eight (8) 

days, we’ll make and pay for travel arrangements for a round-trip, economy-class ticket to bring 
a relative or close friend to you. If you need to recuperate in a hotel after hospitalization, we’ll pay 
up to USD $75 a day, up to five (5) days, to help cover hotel expenses. 

•  If you die while traveling, we’ll arrange for your remains to be sent home, pay for repatriation, and 
help make arrangements for your travel companions(s) to get home. We would do the same for 
you if your travel companion(s) should die.

•  If one of your immediate relatives dies at home while you’re traveling abroad, we’ll pay for your 

return to the United States.

•  Coverage is secondary to any existing health and dental coverage (such as worker’s 

compensation, disability benefits law, or similar law) whether or not a claim is filed under such 
insurance.

Who is covered:
•  You, your spouse, and unmarried dependent children under age 22, traveling with you.

Where you’re covered:
•  At locales 100 miles or more from your home*, except in Afghanistan, Iran, Iraq, Kampuchea, 
Laos, Libya, Myanmar, North Korea, Sri Lanka, Vietnam, and other countries we deem unsafe.

When you’re covered:
•   You’re covered from the day you leave until midnight of the 60th day of your trip, or the day you 
return to your city of residence, whichever is sooner. If your trip is extended due to a covered 
illness or injury, coverage extends to 48 hours after your return.

What is NOT covered:
•   Services, supplies, or charges not prescribed by, or performed by, or upon the direction of a 

physician or dentist, not medically necessary, rendered by other than hospital providers, not legally 
obligated to pay in the absence of any coverage.

•  Experimental/investigative services, or telephone consultations.
•  Medical or dental expenses payable under any existing group health or accident insurance or for 

any expenses incurred after your return to your city of residence.

•  War or hostilities of any kind (for example, invasion, rebellion, insurrection, riot, or civil 

commotion); confiscation or damage caused by any government, public authority or customs 
official; risks of contraband; illegal activity or acts and military duty.

•  Air travel, except as a passenger on a licensed aircraft operated by an airline or air charter 

company.

•  Non-emergency services, supplies, or charges.

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•  Injury, illness, or loss due to normal pregnancy or childbirth, professional athletics or training, 
participation in any athletic events that require payment of any entry fee, including training for 
such event(s); mountain climbing, motor competition, intentionally self-inflicting harm.

Additional information:
•   All medical transportation must be approved by both the attending doctor and the Assistance 
Center staff. All other travel benefits must be approved in advance by the Center. All travel will 
be scheduled, economy class, if original ticket(s) cannot be used. MasterAssist must be given 
the return ticket(s), or must be reimbursed the value of unused ticket(s). Expenses without 
prior approval of the Center will not be reimbursed. The maximum amount paid for travel and 
repatriation costs, beside shipment of remains, is USD $10,000 on any single covered trip.
•   By making a request for assistance, or a claim for health or dental benefits, you assign to AXA 
Assistance the rights to receive benefits and/or reimbursement payable under other health or 
dental insurance for covered services performed or paid for by AXA Assistance.

How to file a claim:
1.  Call 1-800-MasterCard to obtain a claim form. Report the claim within 60 days of the completion 

of the care you receive, or we will not be able to honor your claim.

2.  Complete and send the claim form with all documentation to the MasterCard Assistance Center.
*If a cardholder’s mailing address is in the State of New York, mileage requirement is not applicable.

3. LEGAL ASSISTANCE
The Beneficiary is entitled to obtain the following services:

Legal Referrals
MasterAssist provides referrals to lawyers or other legal service 
providers including the provider’s name, address, telephone number, 
office hours, specialty and language resources. Whenever there is 
sufficient information to do so, we shall refer you to two or more legal 
professionals so that the Beneficiary may have the benefit of choosing. 
MasterAssist uses reasonable efforts to ensure that its referrals are to 
legal service providers who meet the reasonable professional standards 
of the country or city where the traveler is located. MasterAssist will 
also follow up with the Beneficiary in each case to ensure that the 
service rendered was satisfactory. 

Legal Assistance – Up to USD $1,000
If you are jailed (or threatened to be) following a road traffic accident, 
MasterAssist can appoint and advance the fees of a lawyer. It is expressly understood and 
agreed upon that all costs are the sole responsibility of the cardholder and can be charged to the 
cardholder’s account, subject to authorization by the Card Issuer.

Advance payment for bail bond – Up to USD $5,000
If you are jailed (or threatened to be) following a road traffic accident, MasterAssist shall advance 
the bail bond. It is expressly understood and agreed upon that all costs are the sole responsibility 
of the cardholder and can be charged to the cardholder’s account, subject to authorization by the 
Card Issuer.

4. TRAVEL PERSONAL ASSISTANCE
MasterAssist will make available to Beneficiary: 
•  Information for preparing a journey
•  Information on visas, passports
•  Information on inoculation requirements for foreign travel
•  Information on customs and duty regulations 
•  Information on foreign exchange rates and value-added taxes
•  Referrals to Embassies or Consulates
•  Referrals to Interpreters
•  Dispatch of an Interpreter

In case of imprisonment, hospitalization or circumstances that demand the services of an interpreter, 
MasterAssist shall make the necessary arrangements to provide the Beneficiary with an interpreter. 
It is expressly understood and agreed upon that all costs are the sole responsibility of the cardholder 
and can be charged to the cardholder’s account, subject to authorization by the Card Issuer.

5. TRAVEL-ORIENTED EMERGENCY ASSISTANCE
Cash advances up to USD $5,000
In the event of lost or stolen cash, traveler’s checks, credit and charge cards or in the event that 
there are no ATMs available at the Beneficiary’s location, MasterAssist shall advance cash to the 
Beneficiary (to be charged to cardholder’s account and subject to authorization by the Card issuer).

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Urgent message relay
Transmission of urgent messages from the Beneficiary to relatives, business associates, friends 
residing in his/her country of residence and vice versa.
Luggage assistance
MasterAssist shall provide assistance in locating lost luggage and shall provide to the Beneficiary 
regular updates on the location status. 
Lost document, ticket replacement, and return trip assistance
In case of loss or theft of the MasterCard card, travel tickets, passport, visa or other identity papers 
necessary to return home, MasterAssist will provide assistance in replacing them by contacting local 
police, consulates, airline company or other appropriate entities.
In the event of loss or theft of the transportation ticket to return home, a replacement transportation 
ticket can be arranged. It is expressly understood and agreed upon that all costs are the sole 
responsibility of the cardholder and can be charged to the cardholder’s account subject to 
authorization by the Card Issuer.

6. MASTER ROADASSIST® SERVICE
•   If your car breaks down on the road while you are traveling 
in the 50 United States or the District of Columbia, just call 
1-800-MasterCard and tell us where you are.

•   We’ll send someone to the rescue. This is not only reassuring,  

but it may also save you money because fees for many services  
(jump-starts, towing, gas delivery, tire changes) are pre-negotiated. 
Road service fees will be automatically billed to your MasterCard 
Card account.

•   You are responsible for emergency road service charges incurred 

by towing facilities responding to your dispatch, even if you are not 
with your car (or it’s gone) when the tow truck arrives. MasterCard 
International is not responsible or liable for the service the towing 
facility provides. Towing facilities are independent contractors, solely 
liable for their services. 

•   Emergency road service is not available in areas not regularly 

traveled, in “off-road” areas not accessible by ordinary towing vehicles, or for over one-ton 
capacity trailers, campers, or vehicles-in-tow.

•   If you have a rental vehicle, be sure to call the car rental agency before you call 1-800-MasterCard, 

as many rental agencies have special procedures regarding emergency road service.

III. COST OF THE ASSISTANCE SERVICES PROVIDED 
MasterAssist offers valuable emergency assistance services, however it is not insurance coverage. 
Please keep in mind that you will be responsible for the fees incurred for professional or emergency 
services requested of MasterAssist™ Travel Assistance Services (such as medical or legal bills).

Most of the assistance services are offered to the cardholder at no cost; however, according to 
circumstances and depending on the nature of the requested service, AXA Assistance may have 
to advance payment on behalf of the cardholder subject to the cardholder’s approval. In this case, 
the advanced payment and associated delivery fees shall be reimbursed to AXA Assistance through 
the debit of the cardholder’s MasterCard Card account, subject to prior approval of the cardholder’s 
issuing bank. In the event approval for the charge is not granted by the issuing bank, the payment 
coverage/monetary advance will not be provided.

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MASTERCARD VAT RECLAIM SERVICE

VAT Refunds on Business Travel Expenses 
U.S. companies are entitled to recover the Value Added Taxes (VAT) expenses that your company 
employees incur on foreign business travel. 

The VAT paid on hotel accommodations, employee meals, conferences, exhibitions, trade shows, car 
hire, and similar business travel expenses are recoverable in most European countries. The rules and 
scope of VAT recovery vary from country to country, but we will determine what is eligible for reclaim 
and will handle all the claim processing and submissions to the VAT Refunding Authorities.

To claim VAT refunds, it is essential that your company be able to provide the original hard-copy 
supplier invoices on which you paid VAT.

MasterCard customers can avail themselves of a discounted fee based on a percentage of the 
recovered VAT.

For information on our VAT recovery services and to commence your company’s VAT reclaim process, 
contact:  

U.S. toll free:   
International telephone: 
Email:  
Web:  

1-800-306-6068 
+353-66-97-61772 
contact@fexcovatrefunds.com 
www.fexcovatrefunds.com

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 most everywhere else. In the 
United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto 
Rico) and Canada, call MasterCard (1-800-627-8372). When out-of-country and in need of 
assistance, you can easily reach a specially trained MasterCard Global Service Representative who 
can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 75 
countries worldwide. Some of the key toll-free MasterCard Global Service telephone numbers are:

Australia ............................................................................................ 1-800-120-113
Austria .................................................................................................0800-21-8235
France ............................................................................................... 0-800-90-1387
Germany ............................................................................................0800-819-1040
Hungary ................................................................................................ 06800-12517
Ireland. .............................................................................................. 1-800-55-7378
Italy .......................................................................................................800-870-866
  Mexico ........................................................................................ 001-800-307-7309
Netherlands  ......................................................................................0800-022-5821
Poland ........................................................................................... 0-0800-111-1211
Portugal ............................................................................................... 800-8-11-272
Spain .....................................................................................................900-97-1231
United Kingdom ...................................................................................0800-96-4767

For additional information, or for country-specific 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 benefits. When traveling outside the United States, call MasterCard 
Global Service to access your card issuer for account information or to access any of your card 
benefits.

ATM Locations
Call 1-800-4CIRRUS to find 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 one million   ATMs worldwide. Be sure you know your PIN 
(Personal Identification Number) before you travel in order to enable cash access.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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ACCOUNT AND BILLING INFORMATION

Important: Contact your card-issuing financial institution directly for questions concerning your 
account, such as account balance, credit line, billing inquiries (including transaction exchange 
rates), merchant disputes, or information about additional services not described in this Guide. Your 
financial institution’s phone number should be available on your monthly billing statement or on the 
back of your card.

FINAL LEGAL DISCLOSURE

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may 
have associated costs, which will be your responsibility (for example, legal referrals are free, but the 
lawyer’s fee is your responsibility).

The insurance benefits are provided under a group policy issued by New Hampshire Insurance 
Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The 
attached Key Terms and EOC is governed by the Group Policy.

Effective date of benefits: Effective January 1, 2016, this Guide to Benefits replaces all prior 
disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the 
insurer reserve the right to change the benefits and features of these programs at any time. Notice 
will be provided for any changes.

Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the 
insurance coverage for all cardholders. If the Policyholder does cancel these benefits, you will be 
notified in advance. If the insurance company terminates, cancels, or chooses not to renew the 
coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still 
apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-
renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to the cardholder whose cards are issued by U.S. 
financial institutions. The United States is defined as the fifty (50) United States, the District of 
Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other 
than the cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance 
proceeds and damages under or arising out of these programs. These benefits do not apply if your 
card privileges have been cancelled. However, insurance benefits will still apply for any benefit you 
were eligible for prior to the date that your account is suspended or cancelled, subject to the terms 
and conditions of coverage.

Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be 
assigned without the prior written consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or 
misrepresented any material facts concerning this coverage.

Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved 
dispute concerning this EOC (including the cost of, lack of or actual repair or replacement arising 
from a loss or breakdown). Under this Arbitration provision, you give up your right to resolve any 
dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class 
representative or class member in any class action litigation, any class arbitration or any consolidation 
of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is an 
independent, neutral third party) will give a decision after hearing the parties’ positions. The decision 
of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the 
arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court 
of law.

To start arbitration, the disputing party must make a written demand to the other party for arbitration. 
This demand must be made within one (1) year of the earlier of the date the loss occurred or the 
dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will select 
a third arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator selected 
by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise 
agreed to by the parties, the arbitration will take place in the county and state in which you live. The 
arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any 
state law concerning arbitration. The rules of the American Arbitration Association (www.adr.org) will 
apply to any arbitration under this EOC. The laws of the state of New York (without giving effect to its 

1-800-MasterCard 

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 1-800-MasterCard 

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conflict of law principles) govern all matters arising out of or relating to this EOC and all transactions 
contemplated by this EOC, including, without limitation, the validity, interpretation, construction, 
performance and enforcement of this EOC.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss 
or damage to the property insured under these programs. “Due diligence” means the performance of 
all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in 
the same or similar circumstances in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the insurance company is entitled to recover 
such amounts from other parties or persons. Any party or cardholder who receives payment under 
these benefits must transfer to the insurance company his or her rights to recovery against any other 
party or person and must do everything necessary to secure these rights and must do nothing that 
would jeopardize them, or these rights will be recovered from the cardholder.

Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift 
recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. 
Failure to remit the requested item for salvage to the claim administrator may result in denial of the 
claim.

Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or 
indemnity available to you. Coverage is limited to only those amounts not covered by any other 
insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this 
document. In no event will this coverage apply as contributing insurance. This Other Insurance clause 
will take precedence over a similar clause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-contribution 
insurance clause will take precedence over the non-contribution clause found in any other insurance 
policies.

Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits 
is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall 
be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions 
of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions 
described in each benefit section. Receipt and/or possession of this Guide to Benefits does not 
guarantee coverage or coverage availability.

This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict 
between the Guide and the master insurance policies, or an issuer’s, or the MasterCard actual 
offerings, such master policies or actual offering shall control. Provision of services is subject to 
availability and applicable legal restrictions.

To file a claim or request MasterAssist Services,  
call 1-800-MasterCard (1-800-627-8372), 
or en Español: 1-800-633-4466.
Visit our website at www.mastercard.com.

©2015 MasterCard

10052311
CRP-GTB  LAF 9-1-2013