YOUR GUIDE TO CARD BENEFITS

Visa  
Signature Card

Your Guide to Benefits 
describes the benefits in 
effect as of 4/1/14. 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 benefits 
described in this guide, call 
the Benefit Administrator 
at 1-800-397-9010, or call 
collect outside the U.S. at 
303-967-1093.

For questions about your account, balance, or rewards points please call the customer service number on your 
Visa Signature card statement.

 Warranty Manager Service

What is this benefit? 

Warranty Manager Service provides you with valuable features to help manage, use and even extend the 
warranties of eligible items purchased with your Visa Signature card. You can access these features with a 
simple toll-free call. Services include Warranty Registration and Extended Warranty Protection.

Who is eligible for this benefit?

You are eligible if you are a valid cardholder of an eligible Visa Signature card issued in the United States. 

Why should I use Warranty Registration to register my purchases?

You’ll have peace of mind knowing that your purchases’ warranty information is registered and on file.  
Although Warranty Registration is not required for Extended Warranty Protection benefits, you are encouraged 
to take advantage of this valuable service. When arranging for a repair or replacement, instead of searching for 
critical documents, you can just pick up the phone and call the Benefit Administrator.

How do I register my purchases?

To register an eligible purchase call 1-800-397-9010, or call collect outside the U.S. at 303-967-1093. 
The Benefit Administrator will provide the address to which you can send in the item’s sales receipt and 
warranty information so this key information can be kept on file for you. 

How does Extended Warranty Protection work?

Extended Warranty Protection doubles the time period of the original manufacturer’s written U.S. repair 
warranty up to one (1) additional year on eligible warranties of three (3) years or less for items purchased 
entirely with your eligible Visa Signature card. 
This benefit is limited to no more than the original price of the purchased item (as shown on your Visa Signature 
card receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per 
claim and fifty thousand dollars ($50,000.00) per cardholder. 

What about purchases made outside of the U.S.?

Purchases made outside of the U.S. are covered as long as you purchased the item entirely with your eligible 
Visa Signature card and the eligible item has a valid original manufacturer’s written U.S. repair warranty of 
three (3) years or less, store-purchased dealer warranty, or assembler warranty. 

What types of purchases are not covered?

   Boats, automobiles, aircraft, and any other 

motorized vehicles and their motors, equipment, or  
accessories, including trailers and other items 
that can be towed by or attached to any motorized 
vehicle

   Any costs other than those specifically covered 
under the terms of the original manufacturer’s 
written U.S. repair warranty, as supplied by the 
original manufacturer, or other eligible warranty

   Items purchased for resale, professional, or 

commercial use

   Real estate and items which are intended to 
become part of real estate including, but not 
limited to, items that are hard-wired or hard-
plumbed, garage doors, garage door openers, 
and ceiling fans

   Rented or leased items or items purchased 

on an installment plan and for which the entire 
purchase price was not paid in full at the time of 
the occurrence
   Computer software
   Medical equipment
   Used or pre-owned items

Should I keep copies of receipts or any other records? 

Not if you’ve already registered your purchase. If you have not registered your purchase, however, you should 
keep copies of your Visa Signature card receipt, your store receipt, the original manufacturer’s written U.S. 
warranty, and any other applicable warranty in the event that you need to file a claim, as these documents will 
be required to verify your claim. 

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 1-800-397-9010, or call collect outside the U.S. at 303-967-1093 
immediately after the failure of a covered item. 

Please Note: If you do not notify the Benefit Administrator within sixty (60) days after the product 
failure, your claim may be denied. 

The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate 
repair facility, and send you the appropriate claim form. 
Gift recipients of eligible items are also covered by the claim process. However, a gift recipient must provide all 
the documents necessary to fully substantiate the claim.

For faster filing, or to learn more about the Warranty Manager Service benefit, visit  
www.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 Signature card receipt
  The itemized store receipt
   A copy of the original manufacturer’s written U.S. 

warranty and any other applicable warranty

   A description and serial number of the item, and 
any other documentation deemed necessary to 
substantiate your claim (this includes bills and, if 
necessary, a copy of the maintenance record and 
receipts)

  The original repair order

Please Note: All claims must be fully substantiated. 

How will I be reimbursed? 

If you have substantiated your claim and met the terms and conditions of the benefit, the item will be replaced 
or repaired at the Benefit Administrator’s discretion, but for no more than the original purchase price 
of the covered item as recorded on your Visa Signature card receipt, less shipping and handling fees, up 
to a maximum of ten thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars 
($50,000.00) per cardholder. 
Under normal circumstances, reimbursement will take place within five (5) business days of receipt and 
approval of all required documents.

What about repairs?

Extended Warranty Protection will pay the repair facility directly, or you may go to an authorized repair facility 
and file a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer’s 
authorized repair facility are covered. 
In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the 
obligation under the benefit. 

Do I have to file with my insurance company? 

No. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty 
Protection is supplemental to, and excess of, that coverage. 
ADDITIONAL PROVISIONS FOR WARRANTY MANAGER SERVICE

This benefit applies only to you, the eligible Visa Signature cardholder, and to whomever receives the eligible 
gifts you purchase entirely with your eligible Visa Signature card.
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 Benefits have been complied with fully.
The benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions 
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the 
terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, or 
statement messages. The benefits described in this Guide to Benefits will not apply to Visa Signature 
cardholders whose accounts have been suspended or canceled. 

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Warranty Manager Service, continued

Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew 
the benefits, and if they do, they will notify you at least thirty (30) days in advance. This information is a 
description of the benefit provided to you as a Visa Signature cardholder. Indemnity Insurance Company of 
North America (“Provider”) is the underwriter of this benefit and is solely responsible for its administration 
and claims. The Benefit Administrator provides services on behalf of the Provider. 

FORM #VWMGR 10K-50K-3YR – 2013 (04/14) 

WMGR-S 

 Travel and Emergency Assistance Services

What is this benefit? 

This benefit offers services designed to help you in case of an emergency while traveling. The Benefit 
Administrator can connect you with the appropriate local emergency and assistance resources available 
when you are away from home, 24 hours a day, 365 days a year. (Please keep in mind that, due to occasional 
issues such as distance, location, or time, neither the Benefit Administrator nor its service providers can be 
responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.)

Who is eligible for this benefit?

You are eligible if you are a valid cardholder of an eligible Visa Signature card issued in the United States. Your 
spouse and children [provided children are dependents under twenty-two (22) years old] may all benefit from 
these special services.

How do I use these services when I need them?

Simply call the toll-free, 24-hour Benefit Administrator line at 1-800-397-9010. If you are outside 
the United States, call collect at 303-967-1093.

Is there a charge for these services?

No. Travel and Emergency Assistance Services are available to eligible Visa Signature cardholders at no 
additional charge.

Please Note: Travel and Emergency Assistance Services provide assistance and referral only. You 
are responsible for the cost of any actual medical, legal, transportation, cash advance, or other 
services or goods provided.

What are the specific services and how can they help me?

  Emergency Message Service can record and 
relay emergency messages for travelers, their 
immediate family members, or business associates. 
Please Note: The Benefit Administrator will use 
reasonable efforts to relay emergency messages in 
accordance with benefit guidelines and limitations, 
but cannot take responsibility for the failure to 
transmit any message successfully.

  Medical Referral Assistance provides medical 

referral, monitoring, and follow-up. The Benefit 
Administrator can give you names of local 
English-speaking doctors, dentists, and hospitals; 
assign a doctor to consult by phone with local 
medical personnel, if necessary, to monitor your 
condition; keep in contact with your family, and 
provide continuing liaison; and help you arrange 
medical payments from your Visa Signature or 
personal account. Please Note: All costs are your 
responsibility.

  Legal Referral Assistance can arrange contact 
with English-speaking attorneys and U.S. 
embassies and consulates if you’re detained by 
local authorities, have a car accident, or need legal 
assistance. In addition, the Benefit Administrator can 
coordinate bail payment from your Visa Signature 
or personal account. The Benefit Administrator 
can also follow up to make sure bail has been 
properly handled. Please Note: All costs are your 
responsibility.

  Emergency Transportation Assistance can help you 

make all the necessary arrangements for emergency 
transportation home or to the nearest medical facility. 
This includes arranging to bring your young children 
home and helping you stay in contact with family 
members or employers during the emergency. In the 

case of a death, the Benefit Administrator can make 
arrangements to repatriate the remains. Please Note: All 
costs are your responsibility.

  Emergency Ticket Replacement helps you 

through your carrier’s lost ticket reimbursement 
process and assists in the delivery of a replacement 
ticket to you should you lose your ticket. Please 
Note: All costs are your responsibility.

  Lost Luggage Locator Service can help you through 

the common carrier’s claim procedures or can arrange 
shipment of replacement items if an airline or common 
carrier loses your checked luggage. Please Note: You 
are responsible for the cost of any replacement items 
shipped to you.

  Emergency Translation Service provides 

telephone assistance in all major languages and 
helps find local interpreters, if available, when you 
need more extensive assistance. Please Note: All 
costs are your responsibility.

  Prescription Assistance and Valuable 

Document Delivery Arrangements can help 
you fill or replace prescriptions, subject to local 
laws, and can arrange pickup and delivery of 
prescriptions filled for you at local pharmacies. It 
can also help transport critical documents that you 
may have left at your home or elsewhere. Please 
Note: All costs are your responsibility.

  Pre-Trip Assistance can give you information 
on your destination before you leave — such 
as ATM locations, currency exchange rates, 
weather reports, health precautions, necessary 
immunizations, and required passport visas.

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Travel and Emergency Assistance Services, continued

ADDITIONAL PROVISIONS FOR TRAVEL AND EMERGENCY ASSISTANCE SERVICES

The benefit described in this Guide to Benefits will not apply to Visa Signature cardholders whose accounts 
have been suspended or canceled. The terms and conditions contained in this Guide to Benefits may be 
modified by subsequent endorsements. Modifications to the terms and conditions may be provided via 
additional Guide to Benefits mailings, statement inserts, or statement messages.

FORM #VTEAS – 2013 (Stand 04/14) 

                         TEAS-S

 Auto Rental Collision Damage Waiver

What is the Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit? 

The Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit offers insurance coverage for 
automobile rentals made with your Visa Signature card. The benefit provides reimbursement (subject to the 
terms and conditions in this guide) for damage due to collision or theft up to the actual cash value of most 
rental vehicles. 

Who is eligible for this benefit? 

You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa Signature card 
issued in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted 
by the auto rental agreement are covered. 

What losses are covered? 

The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally 
manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some 
restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle. 
Covered losses include:

   Physical damage and/or theft of the covered rental 

   Reasonable and customary towing charges, due  

vehicle

   Valid loss-of-use charges imposed and 

substantiated by the auto rental company 

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) 

For questions about a specific vehicle, call the Benefit Administrator at 1-800-397-9010.  
If you are outside the United States, call collect at 303-967-1093. 

What else is not covered?

  Any obligation you assume under any agreement 

(other than the deductible under your personal auto  
policy)

  Any violation of the auto rental agreement or this 

benefit

  Injury of anyone or damage to anything inside or 

outside the rental vehicle

  Loss or theft of personal belongings
  Personal liability

  Expenses assumed, waived, or paid by the auto 

rental company or its insurer

  Cost of any insurance or collision damage waiver 
offered by or purchased through the auto rental  
company

  Depreciation of the rental vehicle caused by the 

incident including, but not limited to “diminished 
value” 

  Expenses reimbursable by your insurer, employer, 

or employer’s insurance 

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Continued on page 5 

 
 
 
 
 
Auto Rental Collision Damage Waiver, continued

  Theft or damage due to intentional acts, or due to 
the driver(s) being under the influence of alcohol, 
intoxicants, or drugs, or due to contraband or 
illegal activities

  Wear and tear, gradual deterioration, or 

mechanical breakdown

  Items not installed by the original manufacturer
  Damage due to off-road operation of the rental 

vehicle

  Theft or damage due to hostility of any kind 
(including, but not limited to, war, invasion, 
rebellion, insurrection, or terrorist activities)

  Confiscation by authorities
  Vehicles that do not meet the definition of covered 

vehicles

  Rental periods that either exceed or are intended 

to exceed fifteen (15) consecutive days within your 
country of residence or thirty-one (31) consecutive 
days outside your country of residence

  Leases and mini leases
  Theft or damage as a result of the authorized 
driver’s and/or cardholder’s lack of reasonable 
care in protecting the rental vehicle before and 
after damage occurs (for example, leaving the 
vehicle running and unattended)

  Theft or damage reported more than forty-five (45) 

days* from the date of the incident 

  Theft or damage for which a claim form has not 
been received within ninety (90) days* from the 
date of the incident

  Theft or damage for which all required 

documentation has not been received within three 
hundred and 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

Where am I covered? 

This benefit is available in the United States and most foreign countries. However, no benefit is provided 
for motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, 
this benefit is not available where precluded by law or in violation of the territory terms of the auto rental 
agreement or prohibited by individual merchants. Because regulations vary outside the United States, it 
is recommended you check with your auto rental company and the Benefit Administrator before you 
travel to make sure Auto Rental CDW will apply. 
This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver 
permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto rental 
company. This benefit terminates when the auto rental company re-assumes control of the rental vehicle. 

How do I make sure my Auto Rental CDW benefit is in effect? 

To be sure you are covered, take the following steps when you rent a vehicle:

1 Initiate and complete the entire rental 

transaction with your eligible Visa Signature 
card.

2 Decline the auto rental company’s collision damage 

waiver (CDW/LDW) option or similar provision.

Helpful tips:
 Be sure to check the rental vehicle for prior damage before leaving the rental lot. 
  Review the auto rental agreement carefully to make sure you are declining CDW/LDW and are 

familiar with the terms and conditions of the auto rental agreement. 

What if the auto rental company insists that I purchase the auto rental company’s auto insurance or 
collision damage waiver? 

Call the Benefit Administrator for help at 1-800-397-9010. If you are outside the United States,  
call collect at 303-967-1093.  

Filing an Auto Rental CDW Claim   

What do I do if I have an accident or the rental vehicle is stolen? 

Immediately call the Benefit Administrator at 1-800-397-9010 to report the theft or damage regardless of 
whether your liability has been established. If you are outside the United States, call collect at 303-967-
1093. The Benefit Administrator will answer any questions you or the auto rental company may have and will 
send you a claim form. 

When should I report an incident? 

You should report theft or damage as soon as possible, but no later than forty-five (45) days* from 
the date of the incident. The Benefit Administrator reserves the right to deny any claim that contains charges 
that would not have been included had the Benefit Administrator been notified before those expenses were 
incurred, so you are advised to notify the Benefit Administrator immediately after any incident.

Please Note: You must make every reasonable effort to protect the rental vehicle from theft or damage.  
As the cardholder you are responsible for reporting your claim to the Benefit Administrator immediately. 
Reporting an incident to someone other than the Benefit Administrator will not fulfill this obligation.

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Continued on page 6 

Auto Rental Collision Damage Waiver, continued

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. 

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 receipt or monthly billing statement 
as proof that the entire vehicle rental was charged 
and paid for with your eligible Visa Signature card
  A statement from your insurance carrier (and/or 
your employer or employer’s insurance carrier, 
if applicable) or other reimbursement showing 

  A copy of your automobile insurance policy’s 
Declarations Page. “Declarations Page” means 
the document(s) in your insurance policy that lists 
names, coverages, limits, effective dates and 
deductibles. 

  Any other documentation deemed necessary by 

the Benefit Administrator to substantiate the claim

Please Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days of 
the date of theft or damage. If you have difficulty obtaining the required documents within ninety (90) days* of 
the date of theft or damage, submit the claim form with available documentation. 

For faster filing, or to learn more about Auto Rental CDW, visit www.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 Visa 
Signature Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate 
your claim. 
After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of 
this theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to 
you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and 
remedies. 

* Not applicable to residents of certain states.  
ADDITIONAL PROVISIONS FOR AUTO RENTAL CDW

You must make every effort that would be made by a reasonable and prudent person to protect the rental 
vehicle from theft or damage. This provision will not be unreasonably applied to avoid claims. 
If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost 
of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder 
agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions 
shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact. 
Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the 
date of the incident/occurrence. No payment will be made on a claim that is not completely substantiated 
in the manner required by the Benefit Administrator within twelve (12) months of the date of the incident/
occurrence. 
No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives 
Proof of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no 
action shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider 
unless all the terms of this Guide to Benefits have been complied with fully. 
This benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions 
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms 
and conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement 
messages. The benefit described in this Guide to Benefits will not apply to Visa Signature cardholders whose 
accounts have been suspended or canceled. 
Termination dates may vary by financial institution. Your financial institution can cancel or non-renew the 
benefit, and if they do, they will notify you at least thirty (30) days in advance. This information is a description 
of the benefit provided to you as a Visa Signature cardholder. Indemnity Insurance Company of North America 
(“Provider”) is the underwriter of this benefit and is solely responsible for its administration and claims. The 
Benefit Administrator provides services on behalf of the Provider.  

FORM #VARCDW – 2013 (Stand 04/14) 

                    ARCDW-S

For more information about the benefits described in this 
guide, call the Benefit Administrator at 1-800-397-9010,  
or call collect outside the U.S. at 303-967-1093.

© 2006–2013 Visa. All Rights Reserved.
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