What are Travel and Emergency Assistance Services?
Help when you don�t know where to turn. You can count on a wide range of Visa emergency services available whenever and whereveryou need them, 24 hours a day, 365 days a year.We will make every reasonable effort to respond when you have anemergency�even if you need assistance beyond the services listed here.Please understand that, due to occasional problems such as distance,location, or time, neither Visa nor its service providers can be responsiblefor the availability, use, cost, or results of any medical, legal, transportation,or other service.
Who is eligible for Travel and Emergency Assistance Services?
Y ou, your spouse, and your children (provided the children aredependents under 22 years old) may all take advantage of thesespecial emergency services.
How do I get these services?
They�re as close as the nearest phone. Y ou simply call the BenefitAdministrator at 1-800-VISA-911any hour of the day or night. If you are outside the United States, call collect at 0-410-581-9994.
Is there a charge for these services?
No. Visa T ravel and Emergency Assistance Services are availableto eligible Visa cardholders at no additional charge.Please note: Visa Travel and Emergency Assistance Servicesprovide assistance and referral only. Y ou are responsible for thecost of any actual medical, legal, transportation, cash advance,or other services or goods provided.
What are the specific services and what do they provide?
Visa T ravel and Emergency Assistance Services will put you intouch with the appropriate emergency services should the needarise. Here are some of the ways we can help:�Emergency Message Service can record and relay emergency messages for travelers, immediate family members, or businessassociates. NOTE: Visa will use reasonable efforts to relayemergency messages in accordance with benefit guidelinesand limitations, but cannot take responsibility for the failure to transmit any message successfully.�Medical Referral Assistanceprovides medical referral, monitoring,and follow-up. The Benefit Administrator can give you names ofEnglish-speaking doctors, dentists, and hospitals; assign a doctorto consult by phone with local medical personnel, if necessary, tomonitor your condition, keep in contact with your family, and providecontinuing liaison; and help you arrange medical payments fromyour Visa or personal account. NOTE: All costs are your responsibility.�Legal Referral Assistancecan arrange contact with English-speakingattorneys and with U.S. embassies or consulates if you�re detainedby local authorities, have a car accident, or need legal assistance.In addition, the Benefit Administrator can coordinate bail paymentfrom your Visa or personal account. The Benefit Administratorcan also follow up to make sure bail has been properly handled.NOTE: All costs are your responsibility.�Emergency Transportation Assistance can help you make all the necessary arrangements for emergency transportation home or tothe nearest medical facility. This even includes arranging to bringyour young children home and staying in contact with family membersor employers. In the case of a death, the Benefit Administratorcan make arrangements for returning the remains of the deceasedhome. NOTE: All costs areyour responsibility. �Emergency Ticket Replacement helps you with the carrier�s lost ticket reimbursement procedures if you should lose your ticketand can arrange delivery of a replacement ticket to you. 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 replacementitems if an airline or common carrier loses your checked luggage.The Benefit Administrator can also arrange a cash advance withyour Visa issuing bank. However, you are responsible for the costof 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. NOTE: All costs are your responsibility.�Prescription Assistance and Valuable Document DeliveryArrangementscan help you get prescriptions filled or replaced,subject to local laws, and can even arrange pickup and deliveryof prescriptions filled for you at local or nearby pharmacies. Itcan also help transport critical documents which you may haveleft at home or elsewhere. NOTE: All costs are your responsibility.�Pre-Trip Assistancecan give you information on your destinationbefore you leave�information such as ATM locations, currencyexchange rates, weather reports, health precautions, immunizations,and required passport visas.
Additional Provisions for Travel and Emergency Assistance Services: The benefit described in this Guide to Benefit will not apply t o Visa cardholders whose accounts have been suspended or canceled. The terms and conditions contained in this Guideto Benefit may be modified by subsequent endorsements. Modifications to the termsand conditions may be provided via additional Guide to Benefit mailings, statementinserts, or statement messages.For general questions regarding this benefit, call the Benefit Administrator at 1-800-VISA-911. If you are outside the United States, call collect at 0-410-581-9994.
FORM #VTEA (07 /08)Travel and Emergency Assistance ServicesThis Guide to Benefits describes the benefits in effect as of 3/1/08.These benefits and descriptions supersede any prior benefits and descriptions 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 benefits.
Y our Visa Card Guide to Benefits
Standard Protection Package
For questions about your balanc e, call the customer service number on your Visa card statement.
� Principal Sum: $250,000THIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENTONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESSThis Description of Coverage is provided to all eligible VISA Platinumcardholders 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 Platinum cardholder, you are covered beginning onMarch 1, 2008 or the date your credit card is issued, whichever islater.Y ou and your dependents
1become covered automatically when theentire Common Carrier fare is charged to your covered VISA Plat-inum card account (�Covered Persons�). It is not necessary tonotify the financial institution, the Insurance Company, or the PlanAdministrator when tickets are purchased. Coverage ends whenthe 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 Insurance Company 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 ....................................5 0 %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.Lossmeans 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 anyCommon 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.Injurymeans bodily injury or injuries, sustained b y the insured person 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 insurance is in force.Covered Tripmeans a trip (a) while the Covered Person is ridingon a Common Carrier as a passenger and not as a pilot, operator,or crew member; (b) charged to your VISA Platinum 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 Carriermeans 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-lished route; 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 Platinum, 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 10528Underwritten by:Virginia Surety Company, Inc.175West Jackson Blvd., 11th FloorChicago, 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 employment by reason of mental retardation orphysical handicap, and chiefly dependent on you for support and maintenance.Dependent child(ren) receive 50% of your benefit amount.
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 Platinum card privileges have beensuspended or canceled. However, insurance benefits will still apply to Covered T ripscommenced 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 Warranty Manager Service
How do I benefit from Warranty Manager Service?
Warranty Manager Service offers you a number of valuable features,including warranty registrationand Extended Warranty Protection , all available with a simple toll-free telephone call. And with ourVisa Performance Guarantee you have the option of purchasing affordable Extended Service Agreements. *Warranty Manager�s registration service helps you take full advantageof your warranties, because you can get key information about yourcoverage with a single toll-free call. And if you send us your salesreceipts and warranty information, we�ll keep everything on file�so arranging for a repair or replacement is as easy as picking up thetelephone. Warranty Manager Service offers Extended WarrantyProtection that doubles the free repair period under the originalmanufacturer�s written U.S. repair warranty up to one (1) additionalyear on eligible warranties of three (3) years or less when an itemis purchased entirely with your eligible Visa card.
Why should I register my purchases?
T o have peace of mind knowing all of your purchases are registeredand on file with Visa. Although registration is not required for ExtendedWarranty Protection benefits, it is strongly encouraged that yousend us your sales receipts and warranty information. With thisvaluable service, you won�t have to search for critical documentationwhen you need it. Arranging for a repair or replacement is as easyas picking up the telephone. Call 1-800-VISA-911(or collect at 0-410-581-9994) for information regarding the security of registeringyour purchases.What are the advantages of Visa Performance Guarantee?Visa Performance Guarantee is valuable protection you can purchasebeyond the benefit provided to you by Visa. It is available to extendyour warranty coverage for up to five (5) years from the date ofproduct purchase. This provides you with an easy, reasonablypriced way to cover parts and labor costs necessary to repairyour product in case of failure.
Who is eligible for this benefit?
T o be eligible for this benefit you must be a valid cardholder of aneligible U.S.-issued Visa card.
Are gifts covered?
Y es, as long as you purchased the gift entirely with your eligibleVisa card and it meets the terms and conditions of the benefit.
Are purchases made outside the United States covered?
Y es, as long as you purchased the item entirely with your eligibleVisa card and the eligible item has a valid original manufacturer�swritten U.S. repair warranty of three (3) years or less, store-purchaseddealer warranty, or assembler warranty. Rest easy knowing thepurchases made while you travel are protected by Visa.
What items are not covered?
� Boats, automobiles, aircraft, and any other motorized vehicles andtheir motors, equipment, or accessories, including trailers and otheritems that can be towed by or attached to any motorized vehicle.� Any costs other than those specifically covered under the terms ofthe original manufacturer's written U.S. repair warranty, as suppliedby 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 realestate including, but not limited to, items that are hard-wired orhard-plumbed, garage doors, garage door openers, and ceiling fans.� Rented or leased items, or items purchased on an installmentplan and for which the entire purchase price was not paid in fullat the time of the occurrence.� Computer software.� Medical equipment.� Used or pre-owned items.
Do I need to keep copies of receipts or any other records?
T o file a claim, copies of your Visa card receipt, your store receipt,the original manufacturer�s written U.S. warranty, and any otherapplicable warranty are required. Y ou will need to retain copies ofthese records unless the purchase is registered.
How do I file a claim?
Call the Benefit Administrator at 1-800-VISA-911(or collect at 0-410-581-9994) immediately upon learning of a product failure. Please note: If you do not give such notice within sixty (60) daysafter 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 appro-priate claim form. This claim form must be completed, signed, andreturned with all the requested documentation within ninety (90)days of the product failure.Unless otherwise noted, the date ofloss shall be the date you first notified the Benefit Administrator. Gift recipients of eligible items are also covered by the claimsprocess, if desired. However, a gift recipient must provide all thedocuments necessary to fully substantiate the claim.For faster filing, submit your claim online. It�s easy, convenient, andavailable at no extra cost to eligible Visa cardholders. T o submityour claim and learn more about the Visa Warranty ManagerService, go to the Visa Warranty Manager Service Claim Centerat www.visa.com/ eclaims.What documents do I need to submit with my claim?
�Your completed and signed claim form.�Your Visa card receipt.�The itemized store receipt.�A copy of the original manufacturer�s written U.S. warranty andany 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 maintenancerecord and receipts. �The original repair order.All claims must be fully substantiated.
How will I be reimbursed?
Once your claim has been verified, the item will be repaired orreplaced at the Benefit Administrator�s discretion , but for no more than the original purchase price of the covered item less shippingand handling fees, up to a maximum of $10,000, as recorded onyour Visa card receipt, and $50,000 maximum per cardholder. Extended Warranty Protection will pay the facility directly for repairs,if possible, or you may go to an authorized repair facility and file aclaim for reimbursement. Only valid and reasonable repairs madeat the manufacturer�s authorized repair facility are covered.In either case, the Benefit Administrator�s payment, replacement, orrepair made in good faith will fulfill the obligation under the benefit.Under normal circumstances, reimbursement will take place withinfive (5) business days of receipt and approval of all required documents.
Do I have to file with my insurance company?
No. However, if you have purchased or received a service contractor Extended Warranty, Extended Warranty Protection is secondaryto that coverage.*
Extended Service Agreements are offered through a third-party administrator,and may not be available in all states. T erms and conditions may vary byproduct type. Call 1-800-VISA-911 for details regarding specific products.
Additional Provisions for Warranty Manager Service: This protection provides benefits only to you, the eligible Visa cardholder, and to whomever receives the eligible giftsyou purchase entirely with your eligible Visa card.Y ou shall use due diligence and do all things reasonable to avoid or diminish anyloss or damage to property protected by this benefit. This provision will not beunreasonably 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 claimand your benefits may be canceled. Each cardholder agrees that representationsregarding claims will be accurate and complete. Any and all relevant provisions shallbe void in any case of fraud, intentional concealment, or misrepresentation of materialfact by the cardholder.Once you report an occurrence, a claim file will be opened and shall remain open forsix (6) months from the date of the damage or theft. No payment will be made on aclaim that is not completely substantiated in the manner required by the BenefitAdministrator within six (6) months of the date of product failure.After the Benefit Administrator has paid your claim, all your rights and remedies againstany party in respect of this claim will be transferred to the Benefit Administrator tothe extent of the payment made to you. Y ou must give the Benefit Administrator allassistance as may reasonably be required to secure all rights and remedies.No legal action for a claim may be brought against us until sixty (60) days after wereceive Proof of Loss. No legal action against us may be brought more than two (2)years after the time for giving Proof of Loss. Further, no legal action may be broughtagainst us unless all the terms of the Guide to Benefit have been complied with fully.This benefit is provided to eligible Visa cardholders at no additional cost. The termsand conditions contained in this Guide to Benefit may be modified by subsequentendorsements. Modifications to the terms and conditions may be provided via additionalGuide to Benefit mailings, statement inserts, or statement messages. The benefitdescribed in this Guide to Benefit will not apply to Visa cardholders whose accountshave been suspended or canceledT ermination dates may vary by financial institutions. Visa and/ or your financial institutioncan cancel or non-renew the benefit, and if we do, we will notify you at least thirty (30)days in advance. This information is a description of the benefit provided to you as aVisa cardholder. It is insured by Indemnity Insurance Company of North America.For general questions regarding this benefit, call the Benefit Administrator at 1-800-VISA-911, or call collect at 0-410-581-9994.FORM #VWMGR (07 /08) � 2006�2008, Visa. All Rights Reserved. visa.com