Principal Sum: $250.000
THIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENTONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESS
This Description of Coverage is provided to all eligible VISA Classiccardholders and replaces any and all Descriptions of Coverage previ-ously issued to the insured with respect to insurance described herein.
Eligibility and Period of Coverage
As a VISA Classic cardholder, you are covered beginning on03/01/08 or the date your credit card is issued, whichever is later.Y ou and your dependents
1become covered automatically when theentire Common Carrier fare is charged to your covered VISA cardaccount (�Covered Persons�). It is not necessary to notify thefinancial institution, the Insur ance Company, or the Plan Adminis- trator when tickets arepurchased. Coverage ends when the policy is terminated.
Benefits
Subject to the terms and conditions, if a Covered Person�s accidentalbodily Injury occurs while on a Covered T rip and results in any of thefollowing Losses within one (1) year after the date of the accident,the InsuranceCompany will pay the following percentage of thePrincipal Sum for accidental Loss of:Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%Both hands or both feet.................................100% Sight of both eyes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%One hand and one foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%Speech and hearing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%One hand or one foot and the sight of one eye. . . . . . . . . . . . . 100%One hand or one foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%Sight of one eye. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%Speech or hearing........................................50% Thumb and index finger on the same hand . . . . . . . . . . . . . . . . . 25%In no event will multiple charge cards obligate the InsuranceCompany in excess of the stated benefit for any one Loss sustainedby a Covered Person as a result of any one accident. The maximumamount payable for all Losses due to the same accident is thePrincipal Sum.
Loss means actual severance through or above the wrist or anklejoints with regard to hands and feet; entire and irrevocable loss ofsight, speech or hearing; actual severance through or above themetacarpophalangeal joints with regard to thumb and index fingers.The life benefit provides coverage in the event of a Covered Person�sdeath. If a Covered Person�s body has not been found within one(1) year of disappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered Person was covered as apassenger, then it shall be presumed, subject to all other provisionsand conditions of this coverage, the Covered Person suffered lossof life.
Injury means bodily injury or injuries, sustained by the insuredperson which are the direct cause of Loss, independent of diseasecause of Loss, independent of disease or bodily infirmity, andoccurring while the Covered Person is covered under this policy,while the insuranceis in force.Covered Trip means a trip (a) while the Covered Person is ridingonaCommon Carrier as a passenger and not as a pilot, operator,or crew member; (b) charged to your VISA Classic card; and (c)that begins and ends at the places designated on the ticket pur-chased for the trip. Covered T rip will also include travel on aCommon Carrier (excluding aircraft), directly to, from, or at anyCommon Carrier terminal, which travel immediately precedesdeparture to or follows arrival at the destination designated onthe ticket purchased for the Covered T rip.
Common Carrier means any scheduled airline, land, or water conveyance licensed for transportation of passengers for hire.
Exclusion: No payment will be made for any Loss that occurs inconnection with, or is the result of: (a) suicide, attempted suicide,or intentionally self-inflicted injury; (b) any sickness or disease;(c) travel or flight on any kind of aircraft or Common Carrier exceptas a fare-paying passenger in an aircraft or on a Common Carrieroperated on a regular schedule for passenger service over an estab-lishedroute; or (d) war or act of war, whether declared or undeclared.
Beneficiary: Benefit for Loss of life is payable to your estate, or tothe beneficiary designated in writing by you. All other benefits arepayable to you.
Notice of Claim: Written Notice of claim, including your nameand reference to VISA Classic, should be mailed to the PlanAdministrator within twenty (20) days of a covered Loss or assoon as reasonably possible. The Plan Administrator will send theclaimant forms for filing proof of Loss.
The Cost: This travel insurance is purchased for you by yourfinancial institution.
Description of Coverage: This description of coverage detailsmaterial facts about a T ravel Accident Insurance Policy which hasbeen established for you and is underwritten by Virginia SuretyCompany,Inc. Please read this description carefully. All provisionsof the plan are in the policy, issued to the financial institution trust.Any difference between the policy and this description will besettled according to the provisions of the policy.
Questions: Answers to specific questions can be obtained bywriting to the 
Plan Administrator :CBSI Enhancement Services550 Mamaroneck Avenue, Suite 309Harrison, NY 10528
Underwritten by: Virginia Surety Company, Inc.175West Jackson Blvd., 11th Floor Chicago, IL 60604
1Y our spouse, unmarried dependent child(ren), under age 19 (25 if a full-timestudent). No age limit for incapacitated child. Incapacitated child means a childincapable of self sustaining emplo yment byreason of mental retardation or physical handicap, and chiefly dependent on you for support and maintenance.Dependent child(ren) receive 50% of your benefit amount.
(Continued on next page)This Guide to Benefit describes the benefit in effect as of 3/1/08. This benefit and description supersedes any prior benefit and description you may have received earlier. Please read and retain for your records. Y our eligibility is determined by the date your financial institution enrolled your account in the benefit.
Y our Visa Card Guide to Benefit
T ravel Accident Insurance
For questions about your balanc e, call the customer service number on your Visa statement. 
� Additional Provisions for Travel Accident Insurance: T ravel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc.(herein referred to as �Company�). We reserve the right to change the benefits andfeatures of all these programs.The financial institution or the Company can cancel or choose not to renew theInsurance coverages for all Insureds. If this happens, the financial institution willnotify the accountholder at least thirty (30) days in advance of the expiration of thepolicy. Such notices need not be given if substantially similar replacement coveragetakes effect without interruption and is provided by the same insurer. Insurance benefitswill still apply to Covered T rips commenced prior to the date of such cancellation ornon-renewal, provided all other terms and conditions of coverage are met. T ravelAccident Insurance does not apply if Y our 
VISA Classic card privileges have been suspended or canceled. However, insurance benefits will still apply to CoveredT rips commenced prior to the date that Y our account is suspended or cancelled provided all other terms and conditions of coverage are met.Coverage will be void if, at any time, the accountholder has concealed or misrepresentedany material fact or circumstance concerning this coverage or the subject thereof orthe accountholder�s interest herein, or in the case of any fraud or false swearing bythe Insured relating thereto. No person or entity other than the accountholder shallhave any legal or equitable right, remedy, or claim for insurance proceeds and/ ordamages under or arising out of this coverage.No action at law or in equity shall be brought to recover on this coverage prior to theexpiration of sixty (60) days after proof of loss has been furnished in accordancewith the requirements of this Description of Coverage.The Company, at its expense, has the right to have you examined as often as reasonablynecessary while a claim is pending. The Company may also have an autopsy madeunless prohibited by law.FORM #VTAI (07 /08)Travel Accident Insurance (Cont.)
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