BMO Harris 
Credit Cards

BMO Harris Consumer  
Credit Cards

Guide to benefits

BMO Harris Bank Platinum MasterCard®

BMO Harris Bank Platinum Rewards MasterCard®

BMO Harris Bank Cash Back MasterCard®

Important information. Please read and save.

Important information. Please read and save.

This Guide to benefits contains detailed information about insurance and retail protection ser-
vices you can access as a preferred cardholder. This Guide supersedes any guide or program 
description you may have received earlier.

To file a claim or for more information on any of these services, call  
the MasterCard Assistance Center at 1-800-MasterCard  
(1-800-627-8372), or en Español: 1-800-633-4466.

“Card” refers to MasterCard® card and “Cardholder” 
refers to a MasterCard® cardholder. 

Key Terms

The following Key Terms apply to the following benefits: Extended Warranty, Identity Fraud Expense 
Reimbursement and MasterRental Coverage. You and Your refer to the cardholder or authorized user of the 
covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG company. 
Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator if 
you have questions regarding this coverage or would like to make a claim. The administrator can be reached 
by phone at 1-800-MasterCard.
Authorized driver(s) means a driver with a valid driver’s license issued from their state of resident and 
indicated on the rental agreement.
Authorized User means an individual who is authorized to make purchases on the covered card by the 
cardholder and is recorded by the Participating Organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating Organization for the 
covered card.
Covered card means the MasterCard card.
Eligible expense(s) means reasonable and necessary attorney fees or court costs associated in removing 
any civil suit wrongful brought against you as a result of identity fraud or any suit brought against you by a 
creditor or collection agency or other entity for non-payment of goods and/or services as a result of identity 
fraud, actual U.S. wages lost due to time off relating to efforts in resolving your identity fraud issues, loan 
applications fees, notarizing affidavits or other similar document cost, long distance telephone cost, and 
postage cost you may have incurred as a direct result of identity fraud.
Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The 
EOC, Key Terms, and Final Legal Disclosures are the entire agreement between You and Us. Representations 
or promises made by anyone that are not contained in the EOC, Key Terms, or Final Legal Disclosures are not 
a part of your coverage.
Identity fraud means the use of your name, address, Social Security number (SSN), bank, or credit card 
account number, or other identifying information without your knowledge to commit fraud or deception.
Loss means the eligible expenses related to your identity fraud.
Manufacturer suggested retail price (MSRP) means the purchase price of the vehicle or the value of the 
vehicle based on the National Automobile Dealers Association website at www.nada.com or similar source.
Rental agreement means the entire agreement or contract that you receive when renting a vehicle from 
a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the 
responsibility of all parties under the rental agreement.
United States Dollars (USD) means the currency of the United States of America.
Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended 
for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that 
are designed to accommodate less than nine (9) passengers.

Extended Warranty

Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Final Legal 
Disclosures. 

A. To get coverage:
• You must purchase the new item entirely with your covered card and/or accumulated points from your 

covered card for yourself or to give as a gift.

• The item must have an original manufacturer’s (or U.S. store brand) warranty of twelve (12) months or less. 

B. The kind of coverage you receive:
• Extended Warranty doubles the original manufacturer warranty up to a maximum of twelve (12) months 

on most items you purchase. For products with multiple warranty components, each warranty time period 
will be extended up to a maximum of twelve (12) months. An example of a product with multiple warranty 
components includes an appliance with original manufacturer’s (or U.S. store brand) warranties that differ 
for parts, labor, compressor, etc.

• If you purchase a service contract or an optional extended warranty of twelve (12) months or less on your 
item, we will cover up to an additional twelve (12) months after both the original manufacturer’s (or U.S. 
store brand) warranty and the purchased service contract or extended warranty coverage period end. If your 
service contract or extended warranty exceeds twelve (12) months, this coverage does not apply.

• If you do not have an additional service contract or an optional extended warranty, this Extended Warranty 

benefit commences the day after your original manufacturer’s (or U.S. store brand) warranty expires.

C. Coverage limitations:
• The maximum benefit for repair or replacement shall not exceed the actual amount charged on your 

covered card or $10,000, whichever is less.

• If either the original manufacturer’s (or U.S. store brand) warranty or the service contract covers more than 

twelve (12) months, this benefit will not apply.

• We or our administrator will decide if a covered failure will be repaired or replaced, or whether you will 

be reimbursed up to the amount paid for the item. Items will be replaced with those of like kind and quality. 
However, we cannot guarantee to match exact color, material, brand, size, or model. 

D. What is NOT covered:
• Used or antique items; collectibles of any kind (such as items designed for people to collect or items that 
over time become collectibles) that do not come with a manufacturer warranty (repair or replacement 
amount will not include market value at time of claim); recycled, previously owned, refurbished, rebuilt, or 
remanufactured items; product guarantees (e.g., glass breakage).

• Floor models that do not come with an original manufacturer warranty. 
• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or 

their motors, equipment, or accessories. Parts, if purchased separately, may be covered.

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, 

fixtures, or structures.

• Plants, shrubs, animals, pets, consumables, and perishables.
• Professional Services (including, but not limited to, the performance or rendering of labor or maintenance; 
repair or installation of products, goods or property; professional advice of any kind, including, but not 
limited to, information/services or advice secured from any help or support line; or technical support for 
software, hardware, or any other peripherals.)

• Application programs, operating software, and other software.
• All types of media with stored data or music (including, but not limited to, computer software, DVDs, video 

cassettes, CDs, film and audio cassettes).

• Any shipping charges, transportation and delivery charges, or promised time frames for delivery, whether or 

not stated or covered by the manufacturer’s warranty.

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, 

and earthquake). 

• Indirect or direct damages resulting from a covered loss.
• Mechanical failure arising from product recalls. 
• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure. 
• Loss resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, 

insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or 
customs official; risks of contraband, illegal activity, or acts. 

• Mechanical failures caused by normal wear and tear or gradual deterioration where no failure has occurred. 
• Items purchased for resale, professional, or commercial use.
• Mechanical failures caused by lack of maintenance/service.
• Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.
• Physical damage to the item.
• Any exclusion listed in the original manufacturer’s warranty.

E. How to file a claim:
• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

failure or the claim may not be honored. 

• Submit the following documentation within one hundred and eighty (180) days from the date of failure or 

the claim may not be honored: 
 o Completed and signed claim form.
 o  Receipt showing covered item(s). 
 o  Statement showing covered item(s). 
 o  Itemized purchase receipt(s).
 o  Original manufacturer’s (or U.S. store brand) warranty.
 o  Service contract or optional extended warranty, if applicable.
 o  Itemized repair estimate from a factory authorized service provider.
 o     Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

Identity Fraud Expense Reimbursement

Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Final 
Legal Disclosures.

A. The kind of coverage you receive:
• We will reimburse you for losses you incur as a result of identity fraud.
• Coverage is secondary to any other applicable insurance or coverage available to you. Coverage is limited 

to only those amounts not covered by any other insurance or coverage benefit.

B.  Coverage limitations:
• Coverage is limited to eligible expenses, up to $5,000 per claim, as a result of identity fraud.

C.  Where you’re covered:
• Coverage applies only to losses arising out of an identity fraud occurring within any of the fifty (50) United 
States of America, Canada, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. 
Virgin Islands.

D.  What is NOT covered:
• An act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, 

or by any authorized representative of you, whether acting alone or in collusion with you or others.
• Damages or losses arising out of any business pursuits, loss of profits, business interruption, loss of 

business information, or other pecuniary loss.

• Damages or losses arising from the theft or unauthorized or illegal use of your business name, d/b/a/ or any 

other method of identifying your business activity.

• Any lost wages due to sickness or emotional breakdown. 
• Damages or losses of any type for which the financial institution is legally liable.
• Damages or losses of any type resulting from fraudulent charges or withdrawal of cash from a debit or credit card.
• Damages or loss of any type resulting from fraudulent withdrawals from financial accounts.
• Indirect or direct damages or losses of any nature.
• Any incident involving a loss or potential loss not notified to the relevant police authority within seventy-two 

(72) hours from the date you had knowledge of the loss.

• Any costs due to delay in providing services, or damages resulting from any delay in services.
• Losses that were incurred or commenced prior to this coverage being provided to you.
• Fees or costs associated with the use of any investigative agencies or private investigators.
• Any loss that is not a direct result of identity fraud.
• Theft or damages of traveler’s checks, tickets of any kind, negotiable instruments, cash or its equivalent, 

passports, or any documents. 

• Authorized charges that you have disputed based on the quality of goods or services.
• Authorized account transactions or trades that you have disputed, or are disputing, based on the execution 

(or non-execution) of electronic transfers, trades or other verbal or written instructions or directions.

E.  What to do if you’re a victim of identity fraud:
• Call 1-800-MasterCard upon discovery of identity fraud to report the incident; 
• Contact all major credit bureaus (Experian, Equifax, TransUnion, etc.) immediately after discovery of identity 

fraud to place a fraud alert on your credit report;

• File a police report in your local jurisdiction;
• File a complaint with the Federal Trade Commission (FTC). You may be requested to file a report with other 

agencies as necessary;

• Follow all procedures for recovery and reasonable requests for information and assistance at all 

institutions affected; 

• Maintain a copy of all receipts, bills or other records that support your claim for an Identity Fraud Expense 
Reimbursement payment. These records shall be kept in such manner that can accurately determine the 
amount of any loss;

• Take any other reasonable steps available to protect your identity from any further fraudulent use.

F. How to file a claim:
• Contact 1-800-MasterCard to request a claim form. You must inform us or our administrator of an 

identity fraud case no later than sixty (60) from the date of discovery.

• Submit the following documentation within one hundred and eighty (180) days after close of your identify 

fraud case or the claim may not be honored.

• Completed and signed claim form;
• Proof that a fraud alert was placed with each major credit bureaus (Experian, Equifax, TransUnion, etc.) 

immediately after discovery of identity fraud;
• Copy of a police report from your local jurisdiction;
• Copy of results of any settlement or denial from credit card companies, banks, creditors, collection 

agencies, etc. concerning your identity fraud claim; 

• Copy of the complaint filed with the Federal Trade Commission (FTC);

• Copy of all receipts, bills or other records that support your claim for an Identity Fraud Expense 

Reimbursement payment;

• Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

Note: Identity Fraud Expense Reimbursement is not available to residents of the state of New York.

MasterRental Coverage

Evidence of Coverage
Pursuant to the below terms and conditions, when you rent a vehicle for fifteen (15) consecutive days or 
less with your covered card, you are eligible for benefits under this coverage. Refer to Key Terms for the 
definitions of you, your, we, us, our, and words that appear in bold and Final Legal Disclosures.

A. To get coverage:
You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not 
considered rental charges) with your covered card and/or the accumulated points from your covered card 
at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied 
toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card.
You must decline the optional collision/damage waiver (or similar coverage) offered by the rental company.
You must rent the vehicle in your own name and sign the rental agreement.
Your rental agreement must be for a rental period of no more than fifteen (15) consecutive days. Rental 
periods that exceed or are intended to exceed fifteen (15) consecutive days are not covered. 
The rented vehicle must have a MSRP that does not exceed $50,000 USD.

B.  The kind of coverage you receive:
We will pay for the following on a secondary basis:
• Physical damage and theft of the vehicle, not to exceed the limits outlined below.
• Reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental 
vehicle is out of service. Loss of use charges must be substantiated by a location and class specific fleet 
utilization log.

• Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal 
liability, or personal property. It does not cover you for any damages to other vehicles or property. It does not 
cover you for any injury to any party.

C.  Coordination of Benefits:
When MasterRental is provided on a secondary basis and a covered loss has occurred the order in which 
benefits are determined is as follows:
  1. You or an authorized driver’s primary auto insurance;
  2. Collision/damage waiver provided to you by the rental agency;
  3. Any other collectible insurance; 
  4. The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other coverage has made payments for a covered 
loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the 
other insurance.
Note: In certain parts of the United States and Canada losses to rental vehicles that are covered by your 
personal vehicle insurance policy liability section may not be subject to a deductible, which means that you 
may not receive any benefits from this program. Contact your insurance provider for full coverage details 
pertaining to your personal vehicle liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover you in territories or countries outside of the 
United States, coverage is considered primary coverage. 

D.  Who is covered:
The covered card cardholder and those designated in the rental agreement as authorized drivers.

E.  Excluded rental vehicles:
• All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), 

cargo vans, campers, off-road vehicles, and other recreational vehicles.

• All sport utility trucks. These are vehicles that have been or can be converted to an open, flat bed truck 

(including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
• Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
• Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at 

least ten (10) years), or limousines. 

• Any rental vehicle that has a MSRP that exceeds $50,000 USD.

F. Where you are covered:
Coverage is available worldwide except in the following countries: Republic of Ireland, Northern Ireland,  
Israel, Jamaica
Coverage is not available in countries where:
  a. This EOC is prohibited by that countries law; or

  b. The terms of the EOC are in conflict with the laws of that country.

G. Coverage limitations:
We will pay the lesser of the following:
  a. The actual repair amount;
  b. Wholesale market value less salvage and depreciation;
  c. The rental agencies purchase invoice less salvage and depreciation; or 
  d. $50,000 USD
In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the 
vehicle rental company for the period of time the rental vehicle is out of service.
We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.

H. What is NOT covered:
• Any personal item stolen from the interior or exterior of rental vehicles.
• Vehicle keys or portable Global Positioning Systems (GPS).
• Vehicles not rented by the cardholder or authorized user on the covered card.
• Any person not designated in the rental agreement as an authorized driver.
• Any obligations you assume other than what is specifically covered under the rental agreement or your 

primary vehicle insurance or other indemnity policy.

• Any violation of the written terms and conditions of the rental agreement.
• Any loss that occurs while driving under the influence of drugs or alcohol. 
• Any loss associated with racing or reckless driving.
• Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce the keys to the 
rental vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.

• Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
• Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
• Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision 

causing tire or rim damage.

• Rental vehicles where collision/damage waiver coverage (or similar coverage) was accepted/purchased by you.
• Any damage that is of an intentional or non-accidental nature, caused by you or an authorized driver of 

the rental vehicle.

• Depreciation, diminishment of value, administrative, storage, or other fees charged by the vehicle rental company.
• Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of fifteen (15) 

consecutive days from a rental agency.

• Losses resulting from any kind of illegal activity.
• Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
• Damage sustained on any road not regularly maintained by a municipal, state, or federal entity. 
• Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, 

insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or 
customs official; risks of contraband; illegal activity or acts.

• Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
• Theft of, or damage to, unlocked or unsecured vehicles.
• Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
• Vehicles rented in Republic of Ireland, Northern Ireland, Israel, Jamaica.

I. How to file a claim:
• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the loss 

or the claim may not be honored.

• You may choose to assign your benefits under this insurance program to the rental agency from which you 

rented your vehicle. Please contact us or our administrator for further details.

• Submit the following documentation within one hundred and eighty (180) days of the incident or the claim 

will not be honored:
 o Completed and signed claim form.
 o Receipt showing the vehicle rental.
 o Statement showing the vehicle rental.
 o The rental agreement (front and back).
 o Copy of Your valid driver’s license (front and back).
 o Copy of the declarations page of any primary vehicle insurance and other valid insurance or coverage.
 o Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved in a collision 

that requires the vehicle to be towed, in a multi-vehicle collision, or the vehicle is not drivable. 

 o Itemized repair estimate from a factory authorized collision repair facility. 
 o Copy of the vehicle rental company promotion/discount, if applicable.
 o Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being 

claimed. You must secure this log from the rental agency.

 o Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

Price Protection

The Final Legal Disclosure is part of this agreement.
Key Terms:
Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. 
We, Us, and Our refer to New Hampshire Insurance Company, an AIG company. 
Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator if 
you have questions regarding this coverage or would like to make a claim. The administrator can be reached 
by phone at 1-800-MasterCard.
Auction (online or live) means a place or Internet site where items are sold through price bids, price quotes; 
or where prices fluctuate based on the number of people purchasing, or interested in purchasing a product. 
(Examples include, but are not limited to, Ebay, Ubid, Yahoo, public or private live auctions, etc.).
Authorized User means an individual who is authorized to make purchases on the covered card by the 
cardholder and is recorded by the Participating Organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating Organization for the 
covered card.
Covered card means the MasterCard card.
Non-auction internet advertisements means advertisements posted on the Internet, by a non-Auction 
Internet merchant with a valid tax identification number. The advertisement must have been posted within 
sixty (60) days after the date you purchased the product and must be for the identical item (advertisement 
must verify same manufacturer and model number). The printed version of the Internet advertisement must 
include the merchant’s internet address and customer service telephone number, as well as the item including 
manufacturer, model number, sale price and date of publication.
Printed advertisements means advertisements appearing in a newspaper, magazine, store circular, or 
catalog which state the authorized dealer or store name, item (including make, model number), and sale price. 
The advertisement must have been published within sixty (60) days after the date you purchased the product 
and must be for the identical item (advertisement must verify same manufacturer and model number).

A. To get coverage:
You must purchase the new item entirely with your covered card and/or accumulated points from your 
covered card for yourself or to give as a gift. 
You must see either a printed advertisement or non-auction Internet advertisement for the same 
product (advertisement must verify same manufacturer and model number) for a lower price within sixty (60) 
days from the date of purchase as indicated on your receipt.

B.  The kind of coverage you receive:
• Purchases you make entirely with your covered card are covered for sixty (60) days from the date  
of purchase as indicated on your receipt for the difference between the price you paid and the lower  
price advertised.

• Items you purchase with your covered card and give as gifts also are covered.
• This coverage is secondary to any other applicable insurance or coverage available to you or the gift 

recipient including benefits provided by the retailer (including, but not limited to, refunds, exchanges, and 
store credits). Coverage is limited to only those amounts not covered by any other insurance or coverage,  
or retailer benefits (including, but not limited to, refunds, exchanges, and store credits).

C. Coverage limitations:
Coverage is limited to the difference between the actual cost of the item (excluding taxes, storage, shipping, 
and handling costs) and the advertised lower price, up to $250 per claim. There is a maximum of four (4) 
claim(s) per cardholder account per twelve (12) month period.

D. What is NOT covered:
• Any item purchased from an Internet site whose primary purpose is not the sale of the item or related items.
• Items purchased for resale, rental, professional, or commercial use.
• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to 

collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or 
remanufactured items.

• Customized/personalized, one-of-a-kind, or special-order items.
• Layaway items; items returned to any store.
• Any items purchased from an auction.
• Items for which the printed advertisement or non-auction Internet advertisement containing the 

lower price was published after sixty (60) days from the date you purchased the item. 

• Items advertised or shown as price quotes, bids or final sale amounts from a non-auction Internet site.
• Items advertised in or as a result of “limited quantity,” “going out-of-business sales,” “close out”,  

or as “discontinued”. 

• Printed advertisements or non-auction Internet advertisements that display pricing lower than your 
purchased item due to rebates, special offerings, bonuses, free items/giveaways, manufacturer’s coupons, 
or special financing. 

• Professional services, including workmanship, installation, professional advice/counseling, and technical 

support, or help line.

• Plants, shrubs, animals, pets, consumables, and perishables.
• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or 

their motors, equipment, or accessories. 

• Land, any buildings (including, but not limited, to homes and dwellings), permanently installed items, 

fixtures, structures, or home improvement.

• Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or mammals). 
• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable 

instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent.

• Differences in price due to sales tax, storage, shipping, handling, postage, transportation, and delivery.
• Differences in price due to foreign exchange rates or fluctuation in foreign exchange rates.

E. How to file a claim:
For a Printed Advertisement:
• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

incident or the claim may not be honored.

• Submit the following documentation within one hundred and eighty (180) days of the  

advertisement’s publication:
 o Completed and signed claim form.
 o A copy of the printed advertisement that shows the date of the advertisement, retailer name, the 

product (advertisement must verify same manufacturer and model number), and sale price.

 o Receipt showing the item(s) was purchased.
 o Statement showing item(s) purchased and use of accumulated point.
 o Itemized purchase receipt(s).
 o Any other documentation that may be reasonably requested by us or our administrator to  

validate a claim.

For a Non-Auction Internet Advertisement:
• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the 

incident or the claim may not be honored.

• Submit the following documentation within one hundred and eighty (180) days of the  

advertisement’s publication:
 o Completed and signed claim form.
 o A copy of the Non-auction internet advertisement that shows the date of the advertisement, 
website address, retailer name, the product (advertisement must verify same manufacturer and  
model number), sale price, and, if applicable, shipping, handling and other charges.

 o Receipt showing the item(s) was purchased.
 o Statement showing item(s) purchased.
 o Itemized purchase receipt(s).
 o Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

Identity Theft Resolution Services

What are Personal Identity Theft Resolution Services?
Personal Identity Theft Resolution Services provides you with access to a number of Identity Theft resolution 
services, should you believe you are a victim of Identity Theft.
Who is eligible for this coverage?
To be eligible for this coverage, you must be a valid cardholder, whose name is embossed on an eligible 
MasterCard, and who resides in the United States.
How can I access these services?
Simply contact 1-800-MasterCard if you believe you have been a victim of Identity Theft.
What are the services provided?
Services provided are on a 24-hour basis, 365 days a year. They include:
• Providing the cardholder with a uniform Identity Theft Affidavit and providing assistance with completion of 
the Affidavit. It is the responsibility of the cardholder to submit the Affidavit to the proper authorities, credit 
bureaus, and creditors.

• Notifying all three major credit reporting agencies to obtain a free credit report for the cardholder and 

placing an alert on the cardholder’s record with the agencies.

• Assisting the cardholder with debit, credit and/or charge card replacement.
• Assisting cardholder with membership/affinity card replacement.
• Educating the cardholder on how Identity Theft can occur and of protective measures to avoid  

further occurrences.

• Providing the cardholder with the Identity Theft Resolution Kit.
• Providing the cardholder with sample letters for use in canceling checks, ATM cards, and other accounts.
Is there a charge for these services?
No, your Financial Institution provides these to you at no extra cost.

When are services not provided?
• When it is determined you have committed any dishonest, criminal, malicious, or fraudulent act.
• When your Financial Institution or card issuer, which provides this service, has investigated the event and 

deemed you are responsible for the charge or event.

• When any theft or unauthorized use of an account by a person to whom the account has been entrusted 

has been committed.

Program provisions for Personal Identity Theft Services
This service applies only to you, the primary MasterCard cardholder. You shall use due diligence and do all 
things reasonable to avoid or diminish any loss or damage to property protected by the program.
The provider relies on the truth of statement made in the Affidavit or declaration from each cardholder. This 
service is provided to eligible MasterCard cardholders at no additional cost and is in effect for acts occurring 
while the program is in effect. The terms and conditions contained in this program guide may be modified by 
subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide 
mailings, statement inserts, or statement messages. MasterCard or your Financial Institution can cancel or 
non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the Provider 
non-renews or cancels any services provided to eligible MasterCard cardholders, you will be notified within 
30-120 days before the expiration of the service agreement. In the event substantially similar coverage takes 
effect without interruption, no such notice is necessary. For general questions regarding these services, please 
contact 1-800-MasterCard.

MasterCard Global Service

MasterCard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, 
Emergency Card Replacement, and Emergency Cash Advance.
Call MasterCard Global Service immediately to report your card lost or stolen and to cancel the account. If 
you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a 
temporary card the next day in the United States, and within two business days almost everywhere else.
Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions 
on your account.
In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) 
and Canada, call 1-800-MasterCard (1-800-627-8372). 
When out-of-country and in need of assistance, you can easily reach a specially trained MasterCard Global 
Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call 
toll-free from over 80 countries worldwide. Some of the key toll-free MasterCard Global Service telephone 
numbers are:

Australia .........................1-800-120-113  Mexico ....................001-800-307-7309
Netherlands .................. 0800-022-5821
Austria ............................ 0800-21-8235 
Poland .......................0-0800-111-1211
France............................0-800-90-1387 
Portugal ...........................800-8-11-272
Germany ....................... 0800-819-1040 
Spain ................................ 900-97-1231
Hungary ............................06800-12517 
United Kingdom............... 0800-96-4767
Ireland ............................1-800-55-7378 
Virgin Islands ...............1-800-307-7309
Italy ................................... 800-870-866 

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our Web 
site at www.mastercard.com or call the United States collect at 1-636-722-7111.
Account Information and Card Benefits:
When in the United States, contact your card issuer directly for account information and 1-800-MasterCard 
for card benefits. When traveling outside the U.S., call MasterCard Global Service to access your card issuer 
for account information or to access any of your card benefits.
ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the MasterCard  
ATM Network accepting MasterCard®, Maestro®, and Cirrus® brands. Also, visit our Web site at  
www.mastercard.com to use our ATM locator. 
You can get cash at over one million ATMs worldwide. To enable cash access, be sure you know your 
Personal Identification Number (PIN) before you travel.

MasterAssist Travel Assistance Services

Rely on Travel Assistance Services when you’re away from home.
Travel Assistance Services is your guide to many important services you may need when traveling. Benefits 
are designed to assist you or your travel companions when you’re traveling 50 miles or more from home.* 
This is reassuring, especially when visiting a place for the first time or not speaking the language. For 
services, call 1-800-MasterCard. Enrollment is automatic and the assistance service is free to cardholders. 
Please keep in mind that you will be responsible for the fees incurred for professional or emergency services 
requested of Travel Assistance Services (e.g., medical or legal bills).
*  Travel Assistance Services are available worldwide, with the exception of those countries and territories 

which may be involved in an international or internal conflict, or in those countries and territories where the 
existing infrastructure is deemed inadequate to guarantee service. You may contact us prior to embarking on 
a covered trip to confirm whether or not services are available at your destination(s).

MasterTrip® Travel Assistance
• Before you begin your trip, MasterTrip provides information on travel requirements including documentation 
(visas, passports), immunizations or currency exchange rates. The exchange rate provided may differ from 
the exact rate that issuers use for transactions on your card. Information on exchange rates for items billed 
on your statement should be obtained from the financial institution that issued your card. MasterTrip will 
also help you locate any lost or stolen travel materials, including luggage. This is not an insurance policy for 
lost/stolen luggage and we do not reimburse you for a permanent loss.

• If you have a travel emergency and need cash, MasterTrip can arrange to transfer up to $5,000 from a 

family member, friend, or business account.

• This service does not provide maps or information regarding road conditions.
 Travel Services Medical Assistance
• Provides a global referral network of general physicians, dentists, hospitals and pharmacies. We can also 

help you refill prescriptions with local pharmacists (subject to local laws).

• In the event of emergencies, a stateside physician or nurse can be contacted for consultation with the 

local medical staff and to monitor your condition. If you are hospitalized, we can arrange to have messages 
relayed home, transfer you to another facility if medically necessary, or have a family member or close 
friend brought to your bedside if you have been traveling alone (at cardholder’s expense). If a tragedy 
occurs, we’ll assist in securing travel arrangements for you and your travel companion(s).

MasterLegal® Referral Service
• Provides you with English-speaking legal referrals or consults with appropriate embassies and consulates 

regarding your situation.

• Will assist in transfers up to $5,000 in cash from a family member, friend or business to cover legal fees or 
to post bail. There is no charge for referral services; however, legal and bail fees are your responsibility.

Master RoadAssist® Roadside Service
• (Available only when traveling in the 50 United States and the District of Columbia)
• If your car breaks down on the road, just call 1-800-MasterCard and tell us where you are. 
• We’ll send someone to the rescue. This is not only reassuring, but it may also save you money because fees 
for many services (jump-starts, towing, gas delivery, and tire changes) are pre-negotiated. Road service fees 
will be automatically billed to your World MasterCard account.

• You are responsible for emergency road service charges incurred by towing facilities responding to your 
dispatch, even if you are not with your vehicle (or it’s gone) when the tow truck arrives. MasterCard 
International is not responsible or liable for the service the towing facility provides. Towing facilities are 
independent contractors, solely liable for their services.

• Emergency road service is not available in areas not regularly traveled, in “off road” areas not accessible by 

ordinary towing vehicles, or for over one-ton capacity trailers, campers or vehicles-in-tow.

• If you have a rental car, be sure to call the rental car agency before you call 1-800-MasterCard, as many 

rental agencies have special procedures regarding emergency road service assistance.

MasterCard Airport Concierge™

Your passport to the finer side of air travel.
Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure,  
arrival or any connecting flights at over 450 destinations worldwide 24/7/365. There are also certain  
airports where you can even be expedited through the security and/or the immigration process. To  
reserve MasterCard Airport Concierge services in advance and to take advantage of the 15% savings,  
visit www.mastercard.com/airportconcierge for reservations, pricing or additional information. 
Additional terms, exclusions and conditions apply, visit: www.mastercard.com/airportconciergeterms

Account And Billing Information

Important: Contact your card-issuing financial institution directly for questions concerning your account,  
such as account balance, credit line, billing inquiries (including transaction exchange rates), merchant 
disputes, or information about additional services not described in this Guide. Your financial institution’s  
phone number should be available on your monthly billing statement or on the back of your card.

Final Legal Disclosure

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the account holder, at no additional charge. Non-insurance services may have 
associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is 
your responsibility).
The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an 
AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and 
EOC is governed by the Group Policy.
Effective date of benefits: Effective January 1, 2016, this Guide to Benefits replaces all prior disclosures, 
program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the 
right to change the benefits and features of these programs at anytime. Notice will be provided for any changes.

Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance 
coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. 
If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you 
will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible 
for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions 
of coverage.
Benefits to you: These benefits apply only to the cardholder whose cards are issued by U.S. financial 
institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American 
Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the cardholder shall 
have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under 
or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. 
However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your 
account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be 
assigned without the prior written consent of the claim administrator for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented 
any material facts concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved dispute 
concerning this EOC (including the cost of, lack of or actual repair or replacement arising from a loss or 
breakdown). Under this Arbitration provision, You give up your right to resolve any dispute arising from this 
EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in 
any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a 
group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after 
hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the 
arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, 
or appealed to, a court of law.
To start arbitration, the disputing party must make a written demand to the other party for arbitration. This 
demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. 
The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called 
an “umpire.” Each party will each pay the expense of the arbitrator selected by that party. The expense of the 
umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the arbitration will take 
place in the county and state in which You live. The arbitration shall be governed by the Federal Arbitration 
Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American 
Arbitration Association (www.adr.org) will apply to any arbitration under this EOC. The laws of the state of New 
York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this 
EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, 
construction, performance and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or 
damage to the property insured under these programs. “Due diligence” means the performance of all vigilant 
activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or 
similar circumstances in order to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such 
amounts from other parties or persons. Any party or cardholder who receives payment under these benefits 
must transfer to the insurance company his or her rights to recovery against any other party or person and 
must do everything necessary to secure these rights and must do nothing that would jeopardize them, or 
these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift 
recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure 
to remit the requested item for salvage to the claim administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity 
available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. 
It is subject to the conditions, limitations, and exclusions described in this document. In no event will this 
coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar 
clause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance 
clause will take precedence over the non-contribution clause found in any other insurance policies.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to 
any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed 
“severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall 
remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described 
in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee 
coverage or coverage availability.

This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the 
Guide and the master insurance policies, or an issuer’s, or the MasterCard actual offerings, such master policies 
or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.

To file a claim, call 1-800-MasterCard (1-800-627-8372),  
or en Español: 1-800-633-4466. 
Visit our Web site at www.mastercard.com.

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