PARTNER FOR CHANGE VISA® AGREEMENT 
AND DISCLOSURE STATEMENT 

In this Agreement, the words you and your mean each and all of those who apply for the account or who sign this Agreement.  Card means the Visa Credit Card and 
any duplicates and renewals we issue.  Account means your Visa Line of Credit Account with us.  We, us, and ours mean this credit union. 
1.  RESPONSIBILITY If we issue you a card, you agree to repay all debts and 
the FINANCE CHARGE arising from the use of the card and the card Account. 
For example, you are responsible for charges made by yourself, your spouse, and 
minor children. Use of the card by anyone else will be presumed to be with your 
consent.  You  will  be  considered  responsible  for  all resulting  charges.  You  must 
notify  us  in  writing  of  possible  unauthorized  use.  To  protect  your  rights,  we 
must  hear  from  you  no  later  than  60  days  after  we  sent  the  first  statement  on 
which  the  unauthorized  use  appeared.  Your  obligation  to  pay  the    Account 
balance  continues  even  though  an  agreement,  divorce  decree,  or  other  court 
judgment to which we are not a party may direct you or one of the other persons 
responsible  to  pay  the Account.  Any  and  all persons  signing  on  the  account are 
entitled to a card upon request. You agree that all transactions that you initiate by 
use of the Card are legal in the jurisdiction where you live and/or the transaction 
occurs.  You  agree  to  repay  according  to  the  terms  of  this  Agreement  all 
transactions you initiate by use of the Card. 

7. FOREIGN TRANSACTION EXCHANGE RATE  The exchange rate 
between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from the range of rates 
available in wholesale currency markets for the applicable central processing 
date, which may vary from the rate Visa itself receives, or the 
government-mandated rate in effect for the applicable central processing date. 

8.  FOREIGN TRANSACTION FEE  A fee of up to 1 percent of the 
transaction amount is charged for transactions conducted outside the United 
States. 

9.  PLAN MERCHANT DISPUTES  We are not responsible for the refusal of 
any plan merchant or financial institution to honor your card.  We are subject to 
claims and defenses (other than tort claims) arising out of goods or services you 
purchase with the card only if you have made a good faith attempt, but have been 
unable to obtain satisfaction from the plan merchant, and: (a) your purchase was 
made in response  to an advertisement  we sent or participated in sending you; or 
(b) your purchase cost more than $50 and was made from a plan merchant in 
your state or within 100 miles of your home.  You must resolve any other 
disputes directly with the plan merchant. 

2.  CREDIT  LINE  If  we  approve  your  application,  we  will  establish  a  self-
replenishing  Line  of  Credit  and  notify  you  of  its  amount  when  we  issue  the 
card. You agree not to let the Account balance exceed this approved Credit Line. 
Each  payment  will  restore  your  Credit  Line  by  the  amount  of  the  payment 
(excluding  any  over  limit  amount);  however,  SAFE  at  its  sole  and  absolute 
discretion, reserves the right to delay the restoration of your Credit Line for up to 
15 days. Finance charges and other charges will cease to accrue on the amount of 
payment  as  of  the  date  of  receipt.  You  may  request  an  increase  in  your  Credit 
Line  by  calling  SAFE's  Call Center or  by  visiting  any  SAFE  branch.  By  giving 
you  written notice,  your Credit Line  may be  reduced  from  time to  time, or  with 
good  cause,  your  card  may  be  revoked  and  this  Agreement  terminated.  Good 
cause  includes  your  failure  to  comply  with  this  Agreement,  or  our  adverse 
reevaluation of your creditworthiness.  You may also terminate this Agreement at 
any  time, but  termination by  either you  or us  does not  affect your  obligation  to 
pay the Account balance. The cards remain our property and you must surrender 
all cards upon our request and upon termination of this Agreement. 
3. USING THE CARD  To make a purchase  or  cash advance,  present the card 
to a participating Visa plan merchant, to us, or to another financial institution and 
sign the sales or cash advance draft which will be imprinted with your card. You 
will receive a copy of the draft or receipt which you should retain to verify  your 
monthly  statement.  We  reserve  the  right  to  make  a  reasonable  charge  for 
photocopies  of  drafts  you  may  request,  as  disclosed  in  the  Fee  Schedule.  You 
may  also  make  advances  at  any  SAFE  ATM,  Network  ATM,  or  ATMs 
displaying  the  Visa  logo.  Internet  gambling  may  be  illegal in  the  jurisdiction in 
which you are located, including the United States. Your card may only  be used 
for legal transactions. Display of payment card logo by an online  merchant does 
not  mean  that  Internet  gambling  transactions  are  lawful  in  all  jurisdictions  in 
which you may be located. 

4.  MONTHLY  PAYMENTS  We  will  apply  your  payments  first  to  FINANCE 
CHARGES, then  to  late  fees (if  any),  and then  to  the  principal  balance.  If  your 
account  has  balances  with  different  APRs,  we  will  allocate  the  amount  of  your 
payment  equal  to  the  Minimum  Payment  Due  to  the  lowest  APR  balances  first. 
Payment  amounts  in  excess  of  your  Minimum  Payment  Due  will  be  applied  to 
balances  with  higher  APRs  before  balances  with  lower  APRs.  Each  month  you 
must pay  at  least the Minimum  Payment by  the due  date on  your  statement. By 
separate  agreement,  you  may  authorize  us  to  charge  the  Minimum  Payment 
automatically to your Share Savings, SAFE Checking, or Money Market account. 
You  will  reduce  the  FI  NANCE  CHARGE  by  paying  more  frequently,  paying 
more than the Minimum Payment, or paying the Total New Balance in full. The 
Minimum  Payment  will  either  be  (a)  2%  of  your  Total  New  Balance,  or  $10, 
whichever is greater, or (b) your Total New Balance if it is less than $10 plus (c) 
any portion  of the Minimum Payment shown on prior  statements which  remains 
unpaid.  In  addition,  any  time  your  Total  New  Balance  exceeds  your  Approved 
Credit  Limit,  you  must  immediately  pay  any  amount  in  excess  of  your  credit 
limit. 

5. LATE FEES If  your payment is not received within 15 days of the Payment 
Due Date shown on your monthly statement, you will be charged a late fee of $15 
or minimum payment amount, whichever is less. 

6. CREDITS Merchants who honor  your card and give you credit for returns or 
adjustments will provide us with a credit which we will post to your Account. If 
your  credits  and  payments  exceed  what  you  owe  us,  we  will  apply  this  credit 
balance  against  future  purchases  and  cash  advances,  or  refund  it  upon  your 
written request if it is $1 or more. Any credit balance not cleared within 30 days 
will be transferred to your Share Savings Account. 

10.  DEFAULT  You will be in default if you fail to make any Minimum 
Payment within 10 days of the Payment Due Date. You will also be in default if 
your ability to repay is materially reduced by an increase in your obligations, 
bankruptcy, insolvency proceeding involving you, your death, your failure to 
abide by the Agreement, or if you have made or do make any false or misleading 
statements in furnishing your financial information and other information to us. 
We have the right to demand immediate payment in full of your Account if you 
default, subject to our giving you any notice required by law. To the extent 
permitted by law, you will also be required to pay our collection expenses, 
including court costs and reasonable attorney fees. 

11.  CREDIT INFORMATION  You authorize us to investigate your credit 
standing when opening, renewing, or reviewing your Account, and you authorize 
us to disclose information regarding your Account to credit bureaus and other 
creditors who inquire about your credit standing to the extent authorized in our 
bylaws.  As required by law, you are hereby notified that a negative credit report 
reflecting on your credit record may be submitted to a credit reporting agency if 
you fail to fulfill the terms of your credit obligations. 

12.  CREDIT LIFE AND DISABILITY  You understand that Credit Life and 
Disability Insurance is not required by us to obtain your loan.  If selected, you 
acknowledge  receiving a copy of the Credit Insurance Application/Schedule  and 
have made the choice of insurance coverage indicated thereon.  The cost of any 
insurance you have chosen is added to your balance monthly and will accrue 
FINANCE CHARGES from the day cost is added. 

13.  EFFECT OF AGREEMENT  This agreement is the contract which applies 
to all transactions on your Account even though sales, cash advance, or credit 
slips may contain different terms. We may amend this agreement from time to 
time by sending you the advance written notice required by law. To the extent 
permitted by law, and as indicated in our notice, amendments will apply to your 
existing Account balance as well as future transactions. We reserve the right to 
review your credit and either increase or decrease your credit limit or APR for 
new balances. APR increases will not impact existing balances unless you are 
more than 60 days late with a payment or unless otherwise permitted by 
applicable law. 

14. NON-WAIVER PROVISION We can delay enforcing any of our rights 
under this Agreement without losing them.  If any terms of this Agreement are 
found to be unenforceable, all other provisions will remain in full force. 

15.  SAFE DONATION PROGRAM TERMS AND CONDITIONS: To be 
eligible for the donation on the Partner for Change Visa Card, you must make at 
least $1,000 in Purchases in each calendar year, your account must not be more 
than 30 days past due from January 1st to the time of sending the donation, and 
you must otherwise be a member in good standing. The Partner for Change 
Visa® Line must be open as of year-end for the  donation to be paid by the end 
of February (two months following year-end). Each year we determine the dollar 
amount of purchases that posted to your account during the calendar year, less 
any purchase credits, returns or adjustments other than payments. As long as you 
meet the above stated requirements,  SAFE will donate up to 1% of total 
purchases to the organization you selected. No  donation is  paid on Cash 
Advances, including Convenience Checks, ATM withdrawals and Balance 
Transfers. The list of organizations participating in the Program is subject to 
change and any organization’s partnership may be discontinued at any time 
without notice. For a current list of participating organizations, call us at (916) 
979-7233 or visit our website at www.safecu.org. We reserve the right to change, 
delete from, or add to the  Donation Program Terms and Conditions, or to add, 
eliminate or change the Donation Program or terminate the Program entirely 
(“Program Changes”). When Program Changes are made, we will, at our option, 
post them to our website or provide you with notice. We reserve the right to deny 
your Program eligibility at any time. 

16.  FINANCE CHARGE – Your account will be subject to a FINANCE CHARGE (interest) at the periodic rate of 0.937% - 1.437% per month which corresponds to 
an ANNUAL PERCENTAGE RATE of 11.24% - 17.24% on the Purchase, Advance and Balance Transfer Average Daily Balances. This rate is a variable rate which 
may be changed monthly based on the movements of the Wall Street Journal Prime Rate, which is the Prime Rate published the 15th of each month in the Wall Street 
Journal, Western Edition, plus 7.24 - 13.24 percentage points. There is no limitation on the amount of increase in the ANNUAL PERCENTAGE RATE. An increase in 
the  Prime  Rate will  result  in  an increase in  the  amount  of  your  FINANCE  CHARGE, minimum periodic  payment,  and  Outstanding  Balance. We  figure  the  interest 
charge on your account by applying the periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take the beginning balance 
of of your account each day, add any new purchases, advances and fees, and subtract any unpaid interest or other finance charges and any payments or credits. This 
gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance." 

S-725V   03/20/2017 

(continued on reverse) 

 
 
 
 
 
 
 
(continued from reverse) 
17.  PAYING INTEREST  You have until the payment due date (25 days from the billing cycle) to pay your balance in full before a FINANCE CHARGE (interest) is 
assessed on the purchase balance. If you do not pay your balance in full by the payment due date, you will be charged a FINANCE CHARGE on the then outstanding 
purchase balance and on future purchases from the transaction date. If during the previous billing cycle you Paid in Full by the Payment Due Date, then in the current 
billing  cycle  you  will  have  a  Grace Period  on  the  amount  of  the  Purchase  balance  remaining  from  the  previous  billing  cycle  that  is paid  by  the  Payment  Due  Date, 
based on our payment allocation method. We will begin charging interest on cash advances and balance transfers as of the transaction date. 

18.  CASH ADVANCE FEE For each cash advance (excluding cash advances taken at any SAFE ATM, through CALL-24, or Online Banking) there is a transaction 
charge equal to 3% of the amount of the advance or $10, whichever is greater.  The charge will be billed to your monthly Visa statement. 

19.  INTEREST RATE ADJUSTMENT An interest rate adjustment will occur when your account is 60 days or more past due. If your account is 60 days past due, 
the  interest  rate  for  existing  and  new  balances  will  be  increased  to  an  ANNUAL  PERCENTAGE  RATE  of  21.90%.  This  interest  rate  increase  will  be  effective 
beginning after 45-day notice is provided to you. The interest rate adjustment will terminate if you make the required minimum payments for six consecutive months. 

20.  VISA INTERNATIONAL SERVICE CENTER -  For  additional  information  or  claim  information  on  the  following  services,  call  (800)  VISA  911  (800-847-
2911): Auto Rental Insurance, Emergency Card & Cash, Travel & Emergency Assistance Service, Visa Phone, and Warranty Manager Service. 

21.  WE  MAY  CONTACT  YOU -  SERVICING AND  COLLECTIONS If  we  need  to  contact  you  to  service  your  account  or  to  collect  an  amount  you  owe,  you 
authorized us (and our affiliates, agents and contractors) to contact you at any number you provide, from which you call us, or at which we believe we can reach you. 
We may contact you in any way, such as calling or texting. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, 
wireless, or similar device, even if you are charged for it. CALL MONITORING From time to time we may monitor and/or record calls between you and us to assure 
the quality of our customer service, or as required by applicable law. 

Interest Rates and Interest Charges 

PARTNER FOR CHANGE VISA 

Annual Percentage Rate 
(APR) for Purchases 

11.24%-17.24%This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

11.24%-17.24%This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

11.24%-17.24%This APR will vary with the market based on the Prime Rate. 

Penalty APR and 
When it Applies 

Paying Interest 

21.90%.This APR  may be  applied  to  your account  if you 1.  Make a  late payment.  2. 
Make a payment that is returned.How Long will the Penalty APR Apply?: If your APRs 
are increased for any of these reasons, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

Your  due  date  is  at  least  25  days  after  the  close  of  each  billing  cycle.  We  will  not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month. 

Minimum Interest Charge  None 

For Credit Card tips from 
the Consumer Financial 
Protection Bureau 

Fees 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore. 

Annual Fee 

None 

Transaction Fees 

- Balance Transfer 

None 

- Cash Advance 

Either $10 or 3% of the amount of each transaction, whichever is greater 

- Foreign Transaction 
Penalty Fees 

- Late Payment 

Up to 1% of the transaction amount 

$15 or minimum payment amount, whichever is less if payment not received within 15 
days of due date 

- Returned Payment 

Up to $10 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Section 16. FINANCE 
CHARGE on your account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
YOUR GUIDE TO CARD BENEFIT 

Warranty Manager 
Service 

Your Guide to Benefit 
describes the benefit in 
effect  as  of  9/1/12. 
Benefit information in this  
guide replaces any prior benefit 
information you may have 
received. Please read and retain 
for your records. Your eligibility 
is determined by your financial 
institution. 

For more information 
about the benefit 
described in this guide, call 
the Benefit Administrator 
at     1-800-551-8472, 
or call collect outside the 
U.S.  at  303-967-1096. 

For questions about your account, balance, or rewards points please call the customer service number on 
your Visa card statement. 

 Benefit Information  
What is this benefit? 

Warranty Manager Service provides you with valuable features to help manage, use and even extend the 
warranties of eligible items purchased with your Visa card. You can access these features with a simple toll- 
free call. Services include Warranty Registration and Extended Warranty Protection. 

Who is eligible for this benefit? 

You are eligible if you are a valid cardholder of an eligible Visa card issued in the United States. 

Why should I use Warranty Registration to register my purchases? 

You’ll have peace of mind knowing that your purchases’ warranty information is registered and on    
file. Although Warranty Registration is not required for Extended Warranty Protection benefits, you are 
encouraged to take advantage of this valuable service. When arranging for a repair or replacement, instead of 
searching for critical documents, you can just pick up the phone and call the Benefit Administrator. 

How do I register my purchases? 

To register an eligible purchase call 1-800-551-8472, or call collect outside the U.S. at 303-967-1096. 
The Benefit Administrator will provide the address to which you can send in the item’s sales receipt and 
warranty information so this key information can be kept on file for you. 

How does Extended Warranty Protection work? 

Extended Warranty Protection doubles the time period of the original manufacturer’s written U.S. repair 
warranty up to one (1) additional year on eligible warranties of three (3) years or less for items purchased 
entirely with your eligible Visa card. 
This benefit is limited to no more than the original price of the purchased item (as shown on your Visa card 
receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim 
and fifty thousand dollars ($50,000.00) per cardholder. 

What about purchases made outside of the U.S.? 

Purchases made outside of the U.S. are covered as long as you purchased the item entirely with your eligible 
Visa card and the eligible item has a valid original manufacturer’s written U.S. repair warranty of three (3) 
years or less, store-purchased dealer warranty, or assembler warranty. 

What types of purchases are not covered? 
 Boats, automobiles, aircraft, and any other 

motorized vehicles and their motors, equipment, 
or accessories, including trailers and other items 
that can be towed by or attached to any motorized 
vehicle 

 Any costs other than those specifically covered 
under the terms of the original manufacturer’s 
written U.S. repair warranty, as supplied by the 
original manufacturer, or other eligible warranty 

 Items purchased for resale, professional, or 

commercial use 

 Real estate and items which are intended to 
become part of real estate including, but not 
limited to, items that are hard-wired or hard- 
plumbed,  garage  doors,  garage  door  openers, 
and ceiling fans 

 Rented or leased items or items purchased 

on an installment plan and for which the entire 
purchase price was not paid in full at the time of 
the  occurrence 
 Computer software 
 Medical equipment 
 Used or pre-owned items 

Should I keep copies of receipts or any other records? 

Not if you’ve already registered your purchase. If you have not registered your purchase, however, you should 
keep copies of your Visa card receipt, your store receipt, the original manufacturer’s written U.S. warranty,  
and any other applicable warranty in the event that you need to file a claim, as these documents will be 
required to verify your claim. 

Continued on page 2  

 
 
 
 
 
  Warranty Manager Service, continued  

Filing an Extended Warranty Protection Claim 

How do I file a claim? 

Call the Benefit Administrator at 1-800-551-8472, or call collect outside the U.S. at 303-967-1096 
immediately after the failure of a covered item. 

Please Note: If you do not notify the Benefit Administrator within sixty (60) days after the product 
failure, your claim may be denied. 

The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate 
repair facility, and send you the appropriate claim form. 
Gift recipients of eligible items are also covered by the claim process. However, a gift recipient must provide 
all the documents necessary to fully substantiate the claim. 

For faster filing, or to learn more about the Warranty Manager Service benefit, 
visit  www.visa.com/eclaims 

What documents do I need to submit with my claim? 

Complete and sign the claim form sent to you by the Benefit Administrator and submit it within ninety (90) 
days of the product failure along with the following documents: 
 Your Visa card receipt 
 The itemized store receipt 
 A copy of the original manufacturer’s written U.S. 

any other documentation deemed necessary to 
substantiate your claim (this includes bills and, if 
necessary, a copy of the maintenance record and 
receipts) 

warranty and any other applicable warranty 

 A description and serial number of the item, and 

 The original repair order 

Please Note: All claims must be fully substantiated. 

How will I be reimbursed? 

If you have substantiated your claim and met the terms and conditions of the benefit, the item will be replaced 
or repaired at the Benefit Administrator’s discretion, but for no more than the original purchase price of 
the covered item as recorded on your Visa card receipt, less shipping and handling fees, up to a maximum 
of ten thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars ($50,000.00) per 
cardholder. 
Under normal circumstances, reimbursement will take place within five (5) business days of receipt and 
approval of all required documents. 

What about repairs? 

Extended Warranty Protection will pay the repair facility directly, or  you may go to an authorized repair facility 
and file a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer’s 
authorized repair facility are covered. 
In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the 
obligation under the benefit. 

Do I have to file with my insurance company? 

No. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty 
Protection is supplemental to, and excess of, that coverage. 

ADDITIONAL PROVISIONS FOR WARRANTY MANAGER SERVICE 

This benefit applies only to you, the eligible Visa cardholder, and to whomever receives the eligible gifts you 
purchase entirely with your eligible Visa card. 
You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property 
protected by this benefit. This provision will not be unreasonably applied to avoid claims. 
If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of 
repair services, no benefit shall exist for such claim and your benefits may be canceled. Each claimant agrees 
that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void 
in any case of fraud, intentional concealment, or misrepresentation of material fact. 
Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date 
of the damage or theft. No payment will be made on a claim that is not completely substantiated in the manner 
required by the Benefit Administrator within six (6) months of the date of product failure. 
After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of 
this claim will be transferred to the Benefit Administrator to the extent of payment made to you. You must give the 
Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies. 
No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives 
Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for 
giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of this 
Guide to Benefit have been complied with fully. 
The benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in 
this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions 
may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit 
described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or 
canceled. 

2 

Continued on page 3  

 
 
 
 
 
 
 
 
 
 
  Warranty Manager Service, continued  

Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefit, 
and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the 
benefit provided to you as a Visa cardholder. Indemnity Insurance Company of North America (“Provider”) is the 
underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator 
provides services on behalf of the Provider. 
FORM #VWMGR 10K-50K-3YR – 2013 (04/14) 

WM-O 

For more information about the benefit described 
in this guide, call the Benefit Administrator at 
1-800-551-8472,  or  call  collect 
outside the U.S. at 303-967-1096. 

3 

visa.com 

© 2006–2013 Visa. All Rights Reserved. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
YOUR GUIDE TO CARD BENEFIT 

Auto Rental Collision 
Damage Waiver 

Your Guide to Benefit 
describes the benefit in 
effect  as  of  9/1/12. 
Benefit information in this  
guide replaces any prior benefit 
information you may have 
received. Please read and retain 
for your records. Your eligibility 
is determined by your financial 
institution. 

For more information 
about the benefit 
described in this guide, call 
the Benefit Administrator 
at     1-800-348-8472, 
or call collect outside the 
U.S.  at  804-673-1164. 

For questions about your account, balance, or rewards points please call the customer service number on 
your Visa card statement. 

 Benefit Information  
What is the Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit? 

The Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit offers insurance coverage for 
automobile rentals made with your Visa card. The benefit provides reimbursement (subject to the terms 
and conditions in this guide) for damage due to collision or theft up to the actual cash value of most 
rental vehicles. 

Who is eligible for this benefit? 

You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa card issued 
in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted by 
the auto rental agreement are covered. 

What losses are covered? 

The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally 
manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but 
some restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle. 
Covered  losses  include: 
 Physical damage and/or theft of the covered 

 Reasonable and customary towing charges, 

rental vehicle 

 Valid  loss-of-use  charges imposed  and 

substantiated by the auto rental company 

due to covered theft or damage, to the nearest 
qualified repair facility 

Please Note: This benefit only covers vehicle rental periods that neither exceed nor are intended 
to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) 
consecutive days outside your country of residence. 

How does this coverage work with other insurance? 

Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible 
insurance or reimbursement from any source. This means that, subject to the terms and conditions of this 
benefit, Auto Rental CDW applies to eligible theft or damage or expenses that are not covered by insurance or 
reimbursement. 
If you do not have personal automobile insurance or any other insurance covering this theft or damage, 
this benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use 
charges imposed by the auto rental company and reasonable towing charges that occur while you are 
responsible for the rental vehicle. 
If you do have personal automobile insurance or other insurance covering this theft or damage, the Auto 
Rental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any 
unreimbursed portion of valid administrative and loss-of-use charges imposed by the auto rental company,  
as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is 
your responsibility. 

What types of rental vehicles are not covered? 

The following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles; 
certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; 
limousines; and recreational vehicles. 

 Examples of excluded expensive or exotic 

automobiles include: the Aston Martin, Bentley, 
Bricklin,  Daimler,  DeLorean,  Excalibur,  Ferrari, 
Jensen,  Lamborghini,  Lotus,  Maserati,  Porsche, 
and Rolls Royce. However, selected models of 
BMW,  Mercedes-Benz,  Cadillac,  and  Lincoln 
are covered. 

 An antique automobile is defined as any vehicle 
over twenty (20) years old or any vehicle that has 
not been manufactured for ten (10) years or more. 

 Vans are not covered, with the exception of 

those manufactured and designed specifically 
as small group transportation vehicles (for a 
maximum of eight (8) people including the driver). 

Continued on page 2  

 
 
 
 
 
 
  Auto  Rental  Collision  Damage  Waiver,  continued  

For questions about a specific vehicle, call the Benefit Administrator at 1-800-348-8472. 
If you are outside the United States, call collect at 804-673-1164. 

What else is not covered? 

 Any obligation you assume under any agreement 
(other than the deductible under your personal 
auto policy) 

 Theft or damage due to hostility of any kind 
(including, but not limited to, war, invasion, 
rebellion, insurrection, or terrorist activities) 

 Any violation of the auto rental agreement or this 

benefit 

 Confiscation by authorities 
 Vehicles that do not meet the definition of 

 Injury of anyone or damage to anything inside or 

covered  vehicles 

outside the rental vehicle 

 Loss or theft of personal belongings 
 Personal  liability 
 Expenses assumed, waived, or paid by the auto 

rental company or its insurer 

 Cost of any insurance or collision damage waiver 
offered by or purchased through the auto rental 
company 

 Depreciation of the rental vehicle caused by 
the incident including, but not limited to 
“diminished value” 

 Expenses reimbursable by your insurer, employer, 

or  employer’s  insurance 

 Theft or damage due to intentional acts, or due to 
the driver(s) being under the influence of alcohol, 
intoxicants, or drugs, or due to contraband or 
illegal activities 

 Wear and tear, gradual deterioration, or 

mechanical  breakdown 

 Items not installed by the original manufacturer 
 Damage due to off-road operation of the 

rental vehicle 

Where am I covered? 

 Rental periods that either exceed or are 

intended to exceed fifteen (15) consecutive 
days within your country of residence or 
thirty-one (31) consecutive days outside your 
country of residence 
 Leases and mini leases 
 Theft or damage as a result of the authorized 

driver’s and/or cardholder’s lack of reasonable 
care in protecting the rental vehicle before and/or 
after theft or damage occurs (for example, leaving 
the vehicle running and unattended) 

 Theft or damage reported more than forty-five 

(45) days* from the date of the incident 

 Theft or damage for which a claim form has not 
been received within ninety (90) days* from the 
date of the incident 

 Theft or damage for which all required 

documentation has not been received within three 
hundred and sixty-five (365) days from the date of 
the incident 

 Theft or damage from rental transactions that 
originated in Israel, Jamaica, the Republic of 
Ireland, or Northern Ireland 

This benefit is available in the United States and most foreign countries. However, no benefit is provided 
for motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. 
Additionally, this benefit is not available where precluded by law or in violation of the territory terms of the auto 
rental agreement or prohibited by individual merchants. Because regulations vary outside the United 
States, it is recommended you check with your auto rental company and the Benefit Administrator 
before you travel to make sure Auto Rental CDW will apply. 
This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized 
driver permitted to operate the rental vehicle in accordance with the rental agreement between you and 
the auto rental company. This benefit terminates when the auto rental company re-assumes control of the 
rental vehicle. 

How do I make sure my Auto Rental CDW benefit is in effect? 

To be sure you are covered, take the following steps when you rent a vehicle: 

1 

Initiate and complete the entire rental 
transaction with your eligible Visa card. 

2 

Decline the auto rental company’s collision 
damage waiver (CDW/LDW) option or similar 
provision. 

Helpful tips: 
 Be sure to check the rental vehicle for prior damage before leaving the rental lot. 
 Review the auto rental agreement carefully to make sure you are declining CDW/LDW and are 

familiar with the terms and conditions of the auto rental agreement. 

What if the auto rental company insists that I purchase the auto rental company’s auto insurance or 
collision damage waiver? 

Call the Benefit Administrator for help at 1-800-348-8472. If you are outside the United States, 
call collect at 804-673-1164. 

2 

Continued on page 3  

 
 
 
 
 
 
 
 
 
 
  Auto  Rental  Collision  Damage  Waiver,  continued  
Filing an Auto Rental CDW Claim 

What do I do if I have an accident or the rental vehicle is stolen? 

Immediately call the Benefit Administrator at 1-800-348-8472 to report the theft or damage 
regardless of whether your liability has been established. If you are outside the United States, call collect 
at 804-673-1164. The Benefit Administrator will answer any questions you or the auto rental company may 
have and will send you a claim form. 

When should I report an incident? 

You should report theft or damage as soon as possible, but no later than forty-five (45) days*    
from the date of the incident. The Benefit Administrator reserves the right to deny any claim that contains 
charges that would not have been included had the Benefit Administrator been notified before those 
expenses were incurred, so you are advised to notify the Benefit Administrator immediately after 
any incident. 

Please Note: You must make every reasonable effort to protect the rental vehicle from theft 
or damage.  As the cardholder you are responsible for reporting your claim to the Benefit 
Administrator immediately. Reporting an incident to someone other than the Benefit Administrator 
will not fulfill this obligation. 

What do I need from the auto rental company in order to file a claim? 

At the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental 
company for: 

 A copy of the accident report form and claim 

 A copy of the repair estimate and itemized 

document, which should indicate the costs you 
are responsible for and any amounts that have 
been paid toward the claim 

 A copy of the initial and final auto rental 

agreement(s) 

repair bill 

 Two (2) photographs of the damaged vehicle, 

if available 

 A police report, if obtainable 

How do I file a claim? 

Submit the documents gathered from the auto rental company (listed above) along with the following 
additional documents to the Benefit Administrator: 

 The  completed  and  signed  Auto  Rental  CDW  claim 
form. Please Note: Your completed claim form 
must be postmarked within ninety (90) days* of 
the date of the theft or damage, even if all other 
required documentation is not yet available, or 
your claim may be denied 

 A copy of your receipt or monthly billing statement 
as proof that the entire vehicle rental was charged 
and paid for with your eligible Visa card 

 A statement from your insurance carrier (and/or 
your employer or employer’s insurance carrier, 
if applicable) or other reimbursement showing 
the costs for which you are responsible and 

any amounts that have been paid toward the 
claim. Or, if you have no applicable insurance 
or reimbursement, a notarized statement of no 
insurance or reimbursement is required 
 A copy of your primary insurance policy's 

Declarations Page to confirm your deductible. 
“Declarations Page” means the document(s) in 
your insurance policy that lists names, coverages, 
limits, effective dates and deductibles. 

 Any other documentation deemed necessary by 

the Benefit Administrator to substantiate 
the claim 

Please Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days 
of the date of theft or damage. If you have difficulty obtaining the required documents within ninety (90) 
days* of the date of theft or damage, submit the claim form with available documentation. 

For faster filing, or to learn more about Auto Rental CDW, visit www.visa.com/eclaims 

Do I have to do anything else? 

Usually there is nothing else you need to do. Typically, claims will be finalized within fifteen (15) days after the 
Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your 
claim. 
After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect 
of this theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment 
made to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure 
all rights and remedies. 

* Not applicable to residents of certain states. 

3 

Continued on page 4  

 
 
 
 
 
 
 
 
 
 
  Auto  Rental  Collision  Damage  Waiver,  continued  

ADDITIONAL PROVISIONS FOR AUTO RENTAL CDW 

You must make every effort that would be made by a reasonable and prudent person to protect the rental vehicle 
from theft or damage. This provision will not be unreasonably applied to avoid claims. 
If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost 
of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder 
agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall 
be void in any case of fraud, intentional concealment, or misrepresentation of material fact. 
Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the 
date of the incident/occurrence. No payment will be made on a claim that is not completely substantiated in the 
manner required by the Benefit Administrator within twelve (12) months of the date of the incident/occurrence. 
No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives 
Proof of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no 
action shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider 
unless all the terms of this Guide to Benefit have been complied with fully. 
This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in 
this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions 
may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit 
described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or 
canceled. 
Termination dates may vary by financial institution. Your financial institution can cancel or non-renew the benefit, 
and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the 
benefit provided to you as a Visa cardholder.  Indemnity Insurance Company of North America (“Provider”) is the 
underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator 
provides services on behalf of the Provider. 
FORM #VARCDW – 2013 (Stand 04/14) 

ARCDW-O 

For more information about the benefit described 
in this guide, call the Benefit Administrator at 
1-800-348-8472,  or  call  collect 
outside the U.S. at 804-673-1164. 

4 

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