Visa USA | Personal | Auto Rental Collision Damage Waiver Program Personal

07/28/2007 03:49 PM

Personal

Small Business

Merchants
Mid-Size & Large Companies

Government

Search:
Find a Card Visa Signature Using Visa Card Advisor Discounts Visa Security & Protection Credit Cards Check Card Visa Student Visa Brings You Card Benefits Visa payWave

Card Providers

Prepaid & Gift Cards

Printable page

Effective 3/1/06 Please note: This benefit is available on all Visa Classic, Visa Secured, Visa Gold, Visa Platinum, and Visa Signature cards.
Protect against collision and theft
Visa Classic, Visa Secured, Visa Gold, Visa Platinum, and Visa Signature credit cardholders receive 24-hour Auto Rental CDW Coverageat no additional costfor damage due to collision or theft. Easy to wrap. Easy to give. An Open Invitation

Benefit at a glance

Collision and theft coverage. To activate coveragecomplete the rental transaction with your covered Visa card and decline the collision damage waiver (CDW) coverage offered by the rental company. 24-hour coverageif you have any questions regarding a specific vehicle, call Visa Customer Care Services (VCCS) at 1-800-VISA-911, or outside the United States at one of our toll-free numbers. Quick and easy online settlements.

Visa Gift Card

Once-in-a-lifetime opportunities and preferred seating
Cards that include this benefit:

On this page

What is this benefit? Who is eligible? What is covered? How do I activate this benefit? What do I do if I have an accident or the rental vehicle is stolen? What is not covered? What if the auto rental company insists that I purchase the auto rental company's auto insurance or collision damage waiver? When and where do I have this benefit? How does this benefit apply? What types of rental vehicles are not covered? What do I need from the auto rental company in order to file a Visa Auto Rental CDW claim? How do I file a claim? Do I have to do anything else? Additional Provisions for Auto Rental CDW:

Visa Personal

Visa Visa Visa Visa Visa Classic Secured Gold Platinum Signature

What is this benefit?

When certain terms and conditions are met, the Visa Auto Rental Collision Damage Waiver benefit ("Auto Rental CDW") providesat no additional chargereimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible insurance from any other source. Here are answers to some commonly asked questions about the benefit.

Who is eligible?

You are eligible only if you are a valid cardholder whose name is embossed on an eligible U.S.-issued Visa card. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered. Back to top

What is covered?

http://usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html?it=c|/personal/cards/eclaims.html|Learn%20more

Page 1 of 5

Subject to the terms and conditions in this Guide to Benefit, Visa Auto Rental CDW reimburses you for covered damage or theft to a rental vehicle while it is your responsibility as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges. Only 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 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. 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 Guide to Benefit, Visa Auto Rental CDW applies to losses or expenses that are not covered by insurance or reimbursement. Covered losses are: Physical damage and/or theft of the covered rental vehicle. Valid loss-of-use charges imposed and substantiated by the auto rental company through a fleet utilization log. Reasonable and customary towing charges, due to a covered loss, to the nearest qualified repair facility. Back to top

How do I activate this benefit?
For the benefit to be in effect, you must: Initiate and complete the entire rental transaction with your eligible Visa card, and Decline the auto rental companys collision damage waiver (CDW/LDW) option, or similar provision, if offered by the auto rental company. Helpful hints: 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 also to familiarize yourself with the terms and conditions of the auto rental agreement.
What do I do if I have an accident or the rental vehicle is stolen?
Immediately call the Benefit Administrator at 1-800-VISA-911 to report the theft or damage regardless of whether your liability has been established. If you are outside the United States, call one of our toll-free numbers. The Benefit Administrator will answer any questions you or the rental agency may have and will then send you a claim form. All incidents must be reported immediately following the theft or damage, but in no event later than forty-five (45) days* following the date of the theft or damage. Furthermore, we reserve 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. We therefore advise you to notify us immediately after any loss. You must make every reasonable effort to protect the rental vehicle from damage or theft.

What 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 rental agency 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 loss or damage including, but not limited to "diminished value." Expenses reimbursable by your insurer, employer, or employers insurance. Loss 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. Loss due to off-road operation of the rental vehicle. Loss due to hostility of any kind (including, but not limited to, war, invasion, rebellion, or insurrection). 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. Loss or damage as a result of the cardholders lack of reasonable care in protecting the rental vehicle before and after damage occurs (for example, leaving the vehicle running and unattended). Losses reported more than forty-five (45) days* from the date of loss. Losses for which a claim form has not been received within ninety (90) days* from the date of loss. Losses for which all required documentation has not been received within 365 days from the date of loss.

Page 2 of 5

Losses from rental transactions which originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Back to top
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 at 1-800-VISA-911 for help. If you are outside the United States, call one of our toll-free numbers. Back to top
When and where do I have this benefit?
This benefit is available on a 24-hour basis, in the United States and most foreign countries. 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, we recommend you check with your auto rental company and the Benefit Administrator before you travel to make sure Visa Auto Rental CDW will apply. This benefit is in effect while the rental vehicle remains in your control or in the control of a person 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. Back to top
How does this benefit apply?
Within your country of residence, Visa Auto Rental CDW supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. It does not duplicate insurance provided by or purchased through the auto rental company; it will not pay for losses reimbursed by your own insurer, employer, employers insurance, or any other valid and collectible insurance; however, it will pay for the outstanding deductible portion or other charges, including valid administration and loss-of-use charges not covered by your applicable automobile insurance policy. Outside your country of residence or if you do not have automobile insurance, this benefit is primary in those countries where it is available, and in that case, you do not have to claim payment from any other source of insurance before receiving the benefits. Back to top
What types of rental vehicles are not covered?
Excluded worldwide are: 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 are 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. This benefit is provided for only those vans manufactured and designed to transport a maximum of eight (8) people and which is used exclusively to transport people. If you have any questions regarding a specific vehicle, call the Benefit Administrator at 1-800-VISA-911. If you are outside the United States, call one of our toll-free numbers. Back to top

What do I need from the auto rental company in order to file a Visa Auto Rental CDW claim?
At the time of the damage or theft, or when you return the rental vehicle, immediately ask the auto rental company for: A copy of the Accident Report Form and claim 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). A copy of the repair estimate or itemized repair bill. Two (2) photographs of the damaged vehicle, if available. A police report, if obtainable. Back to top

How do I file a claim?

You, the cardholder, are responsible for reporting your claim to the Benefit Administrator immediately, but in no event later than forty-five (45) days* from the date of theft or damage, or your claim will be denied. Notice to any other party will not suffice. Furthermore, we reserve 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. We therefore advise you to notify us immediately after any theft or damage. Mail the following documentation to the Benefit Administrator: The completed and signed Visa Auto Rental CDW Claim Form. Your completed claim form must be postmarked within ninety (90) days* of the date of the damage or theft, even if all other required documentation is not
http://usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html?it=c|/personal/cards/eclaims.html|Learn%20more Page 3 of 5
yet available, or your claim will be denied. A copy of your receipt or monthly billing statement as proof that the entire vehicle rental was charged and paid for with your eligible Visa card. A statement from your insurance carrier (and/or your employer or employers insurance carrier, if applicable) or other reimbursement showing the costs for which you are responsible and any amounts that have been paid toward the claim. Or, if you have no applicable insurance or reimbursement, please provide a notarized statement to that effect. A copy of the declaration page from your automobile insurance carrier. Enclose all the documents you received from the auto rental company: A copy of the Accident Report Form. A copy of the entire auto rental agreement(s). A copy of the repair estimate or itemized repair bill. Two (2) photographs of the damaged vehicle, if available. A police report, if obtainable. Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim. For faster filing, submit your claim online. Its easy, convenient, and available at no extra cost to eligible Visa cardholders. To submit your claim and learn more about Visa Auto Rental CDW go to the Visa Auto Rental CDW Claim Center at www.visa.com/eclaims. If you experience difficulty in obtaining all the required documents within ninety (90) days* of the date of theft or damage, just submit the claim form and any documentation you already have available. NOTE: All remaining documents must be postmarked within 365 days of the date of theft or damage. Back to top

Do I have to do anything else?
Usually not. Under normal circumstances, the claim will be paid within fifteen (15) days after the Visa Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your claim. However, 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 Provider to the extent of the cost of the Providers payment to you. The Provider shall then be entitled at its own expense to sue in your name. Should this occur, you must give the Provider all assistance as the Provider may reasonably require to secure its rights and remedies including the execution of all documents necessary to enable the Provider to bring suit in your name.
*Not applicable to residents of certain states.

Back to top

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 damage or theft. This provision will not be applied unreasonably 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. The Provider relies on the truth of the statements of each cardholder. Each cardholder agrees that such representations are accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact by the cardholder. 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 twelve (12) months of the date of damage or theft. No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. After the expiration of two (2) 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 us unless all the terms of this Guide to Benefit and policy have been complied with fully. Visa Auto Rental CDW is a benefit provided to eligible Visa cardholders in accordance with the policy underwritten by Indemnity Insurance Company of North America (Provider). The benefit is subject to the terms and conditions outlined and includes certain restrictions, limitations, and exclusions. This Guide to Benefit is not a policy of insurance. In the event of any conflict between the description of the benefit in this Guide to Benefit and the policy, the policy will govern. The policy is on file at the offices of Visa U.S.A. The benefit described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled. This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. Termination date may vary by financial institutions. Visa and/or your Financial Institution can cancel or non-renew the benefit, and if we do, we will notify you at least thirty (30) days in advance. If the Provider non-renews or cancels any benefit provided to eligible Visa cardholders, you will be notified within 30120 days before the expiration of the policy. In the event a substantially similar benefit takes effect without interruption, no such notice is necessary. Visa

http://usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html?it=c|/personal/cards/eclaims.html|Learn%20more Page 4 of 5
Auto Rental CDW will still apply to vehicle rentals commenced prior to the date of such cancellation or non-renewal provided all other terms and conditions of the benefit are met. For general questions regarding this benefit, call the Benefit Administrator at 1-800-VISA-911. If you are outside the United States, call one of our toll-free numbers.

FORM #VCCDW01 (03/06)

All Card Benefits

Select a Benet

About Visa U.S.A.

ATM Locator

Site Map

Privacy Policy

Global Visa
Copyright 2007, Visa U.S.A. All Rights Reserved.

Page 5 of 5

Guide to Benefits Visa Signature Card
IMPORTANT INFORMATION. PLEASE READ AND SAVE.
THIS GUIDE TO BENEFITS DESCRIBES THE BENEFITS IN EFFECT AS OF 4/1/10. THESE BENEFITS AND DESCRIPTIONS SUPERSEDE ANY PRIOR BENEFITS AND DESCRIPTIONS YOU MAY HAVE RECEIVED EARLIER. PLEASE READ AND RETAIN FOR YOUR RECORDS. YOUR ELIGIBILITY IS DETERMINED BY THE DATE YOUR FINANCIAL INSTITUTION ENROLLED YOUR ACCOUNT IN THE BENEFITS. With Visa Signature, you can enjoy the strength, recognition, and acceptance of the Visa brandwith special perks and benefits in addition to the rewards you already earn. Youll enjoy instant access to dozens of perks like preferred seating at popular sports, music, film, and theater events, travel packages and savings, and dining perks. Plus enjoy complimentary 24-hour concierge service1, shopping savings, and special offers from your favorite retailers. Youre also entitled to security and convenience benefits like Purchase Security, Warranty Manager Service, Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement, and Travel Accident Insurance. Please retain this guide for the future. It describes in detail some of the important perks and benefits available to you, and will help you enjoy your Visa Signature card. Look inside for additional information on Visa Signature card perks and benefits.
Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders behalf. For questions about your balance, call the customer service number on your Visa Signature card statement. For questions or assistance 24 hours a day, 365 days a year, call the toll-free number on the back of your Visa Signature card or 1-800-397-9010.

PRESENTING YOUR VISA SIGNATURE PERKS AND BENEFITS2
Travel Receive complimentary discounts and upgrades at top hotels, resorts, and cruise lines. Entertainment Experience the most out of life with insider connections from your Visa Signature card. Enjoy access to advance ticket sales and preferred seating at concerts and hit Broadway shows, plus movie ticket offers. Fine Wine & Food Indulge your passion for everything gourmet with special dining and wine experiences. Attend dining events and enjoy complimentary wine tastings and discounts at over 60 Sonoma County wineries. Sports Get up close and personal at once-in-a-lifetime sporting events. Plus treat yourself to premier golf outings and football game-day experiences. Visa Signature Concierge1 Save time and make your life easier with the complimentary Visa Signature Concierge service. Just call anytime, 24 hours a day. The Visa Signature Concierge service can help you find tickets to the top sports and entertainment events, book travel, make dinner reservations, and even help you find the perfect gift. To use your Visa Sig nature Concierge service, call (800) 953-7392. For calls outside the United States, call us collect at 630-350-4551. Shopping Enjoy discounts and special offers at premium retailers, from jewelry to apparel and electronics. Emergency Card Replacement and Emergency Cash Disbursement This efficient, 24 x 7 x 365 worldwide service allows you to quickly and easily get a replacement Visa Signature card sent to you and/or receive emergency cash at a convenient location. Year-End Summary Statement At your option, receive a detailed summary of Visa Signature spending during the year for convenient budget analysis and financial planning. Warranty Manager Service Get double the time period of the original manufacturers written U.S. repair warranty up to one (1) full year on warranties of three (3) years or less when you purchase an eligible item entirely with your eligible Visa Signature card. You can also enjoy convenient features like warranty registration and the option to purchase Extended Service Agreements with Visa Performance Guarantee.

Purchase Security Replaces, repairs, or reimburses you for eligible items of personal property up to $500 per claim for ninety (90) days from the date of purchase due to covered reasons. Lost/Stolen Card Reporting This worldwide service saves you valuable time if you need to report a lost or stolen Visa Signature card and is available 24 hours a day, seven days a week, 365 days a year. Travel Accident Insurance Receive coverage for common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your eligible Visa Signature card. Lost Luggage Reimbursement Feel confident knowing your checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your entire common carrier ticket to your eligible Visa Signature card. Roadside Dispatch Get convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week. Travel and Emergency Assistance Services Get help coordinating medical, legal, and travel services while youre away from home. Auto Rental Collision Damage Waiver Receive coverage, at no additional cost, for damage due to collision or theft. Just charge your entire rental transaction to your eligible Visa Signature card and decline the rental companys collision damage waiver. For more details go to visa.com/signature.

Losses resulting from abuse, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects. Losses resulting from misdelivery or voluntary parting with property. Medical equipment. Perishables, consumables including, but not limited to, perfumes and cosmetics, and limited-life items such as rechargeable batteries. 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. Travelers checks, cash, tickets, credit or debit cards, and any other negotiable instruments. Used or pre-owned items.
Are gifts covered? Yes, as long as you purchased the gift entirely with your eligible Visa Signature card and it meets the terms and conditions of the benefit. Are purchases made outside the U.S. covered? Yes, as long as you, the eligible cardholder, purchased the item entirely with your eligible Visa Signature card and the eligible item meets the terms and conditions of the benefit. Do I need to register my purchases? No. Your eligible purchases are automatically covered. Do I need to keep copies of receipts or any other records? Yes. If you want to file a claim, you will need copies of your Visa Signature card receipt and your store receipt. How do I file a claim? Call the Benefit Administrator at 1-800-397-9010 or collect at 410-902-8012 within sixty (60) days of loss or damage. Please note: if you do not give such notice within sixty (60) days after the loss or damage, your claim may be denied. The Customer Service Representative will ask you for some preliminary claim information and send you the appropriate claim form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of loss or damage. Gift recipients of eligible items may also handle the claim process if you wish. However, the gift recipient must provide all the documents necessary to fully substantiate the claim. For faster filing, submit your claim online. Its easy, convenient, and available at no extra cost to eligible Visa Signature cardholders. To submit your claim and learn more about Visa Purchase Security, go to the Visa Purchase Security Claim Center at www.visa.com/eclaims.

What documents do I need to submit with my claim? Your completed and signed claim form. Your Visa Signature card receipt. The itemized store receipt. A police report (made within 48 hours of the occurrence in the case of theft), fire insurance claim, loss report, or other report sufficient to determine eligibility for benefits. A copy of your insurance declaration page, when applicable. Documentation (if available) of any other settlement of the loss. Any other documentation deemed necessary to substantiate your claim. All claims must be fully substantiated as to the time, place, cause, and amount of damage or theft. In most cases you will be asked to send, at your expense, the damaged item to substantiate a claim. Retain the item in the event it is requested by the Benefit Administrator.
How will I be reimbursed? Depending on the nature and circumstances of the incident, the Benefit Administrator, at its discretion, may choose to discharge your claim in either of two ways: 1. A damaged item (whether wholly or in part) may be repaired, rebuilt, or replaced. A stolen item may be replaced. If the item is to be repaired, rebuilt, or replaced, you will be notified of the decision within fifteen (15) days following receipt of the required proof of theft/damage documentation. 2. You may be reimbursed for the eligible item, but not more than the original purchase price of the covered item as recorded on your eligible Visa Signature card receipt, less handling and shipping charges, up to a maximum of $500.00 per claim occurrence.3 Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents. In either case, Benefit Administrators payment, replacement, or repair made in good faith will fulfill the obligation under the benefit. Do I have to file with my insurance company? Yes, if you have insurance applicable to the damaged or stolen item (e.g. business owners, homeowners, renters, or automobile) or if you are covered by your employers insurance for such losses, you are required to file a claim with your own insurance company and to submit a copy of any claim settlement from your insurance company along with your claim form.3 In some cases, at the option of the Benefit Administrator, where the claim amount is within your personal insurance deductible, a copy of your personal insurance policy declaration page may be sufficient.3

NOTE: Purchase Security provides coverage on an excess coverage basis. That means it does not duplicate, but pays in excess of any valid and collectible insurance or indemnity (including, but not limited to, homeowners, renters, automobile, or employers insurance policies). After all insurance or indemnity has been exhausted, Purchase Security will cover the loss up to the amount charged to your eligible Visa account and subject to the terms, exclusions, and limits of liability of the benefit. Purchase Security will also pay for the outstanding deductible portion of your insurance or indemnity for eligible claims. The maximum limit of liability is $500.00 per claim occurrence and $50,000 per cardholder. You will receive no more than the purchase price as recorded on the eligible Visa Signature card receipt. Where a protected item is part of a pair or a set, you will receive no more than the value (as described herein) of the particular part or parts, stolen or damaged, regardless of any special value that the item may have as part of such a pair or set, nor more than the proportionate part of an aggregate purchase price of such pair or set. Purchase Security is not contributing insurance, and this non-contribution provision shall take precedence over non-contribution provisions found in insurance or indemnity descriptions, policies, or contracts.

WARRANTY MANAGER SERVICE

How do I benefit from Warranty Manager Service? Warranty Manager Service offers you a number of valuable features, including warranty registration and Extended Warranty Protection, all available with a simple toll-free telephone call. And with our Visa Performance Guarantee you have the option of purchasing affordable Extended Service Agreements.4 Warranty Managers registration service helps you take full advantage of your warranties, because you can get key information about your coverage with a single toll-free call. And if you send us your sales receipts and warranty information, well keep everything on fileso arranging for a repair or replacement is as easy as picking up the telephone. Warranty Manager Service offers Extended Warranty Protection that doubles the free repair period under the original manufacturers written U.S. repair warranty up to one (1) additional year on eligible warranties of three (3) years or less when an item is purchased entirely with your eligible Visa Signature card. Why should I register my purchases? To have peace of mind knowing all of your purchases are registered and on file with Visa. Although registration is not required for Extended Warranty Protection benefits, it is strongly encouraged that you send us your sales receipts and warranty information. With this valuable service, you wont have to search for critical documentation when you need it. Arranging for a repair or replacement is as easy as picking up the telephone. Call 1-800-397-9010 (or collect at 410-902-8012) for information regarding the security of registering your purchases. What are the advantages of Visa Performance Guarantee? Visa Performance Guarantee is valuable protection you can purchase beyond the benefit provided to you by Visa. It is available to extend your warranty coverage for up to five (5) years from the date of product purchase. This provides you with an easy, reasonably priced way to cover parts and labor costs necessary to repair your product in case of failure. Who is eligible for this benefit? To be eligible for this benefit you must be a valid cardholder of an eligible U.S.-issued Visa Signature card. Are gifts covered? Yes, as long as you purchased the gift entirely with your eligible Visa Signature card and it meets the terms and conditions of the benefit. 4

Are purchases made outside the United States covered? Yes, as long as you purchased the item entirely with your eligible Visa Signature card and the eligible item has a valid original manufacturers written U.S. repair warranty of three (3) years or less, store-purchased dealer warranty, or assembler warranty. Rest easy knowing the purchases made while you travel are protected by Visa. What items 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 manufacturers 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. Computer software. Medical equipment. Used or pre-owned items. Do I need to keep copies of receipts or any other records? To file a claim, copies of your Visa Signature card receipt, your store receipt, the original manufacturers written U.S. warranty, and any other applicable warranty are required. You will need to retain copies of these records unless the purchase is registered. How do I file a claim? Call the Benefit Administrator at 1-800-397-9010 (or collect at 410-902-8012) immediately upon learning of a product failure. Please note: If you do not give such notice 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. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days of the product failure. Unless otherwise noted, the date of loss shall be the date you first notified the Benefit Administrator. Gift recipients of eligible items are also covered by the claims process, if desired. However, a gift recipient must provide all the documents necessary to fully substantiate the claim. For faster filing, submit your claim online. Its easy, convenient, and available at no extra cost to eligible Visa Signature cardholders. To submit your claim and learn more about the Visa Warranty Manager Service, go to the Visa Warranty Manager Service Claim Center at www.visa.com/eclaims. What documents do I need to submit with my claim? Your completed and signed claim form. Your Visa Signature card receipt. The itemized store receipt. A copy of the original manufacturers 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. All claims must be fully substantiated. How will I be reimbursed? Once your claim has been verified, the item will be repaired or replaced at the Benefit Administrators discretion, but for no more than the originalpurchase price of the covered item less shipping and handling fees, up to a maximum of $10,000, as recorded on your Visa Signature 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 a claim for reimbursement. Only valid and reasonable repairs made at the manufacturers authorized repair facility are covered. In either case, the Benefit Administrators payment, replacement, or repair made in good faith will fulfill the Providers obligation under the benefit. Under normal circumstances, reimbursement will take place within five (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 contract or Extended Warranty, Extended Warranty Protection is secondary to that coverage.

Extended Service Agreements are offered through a third-party administrator, and may not be available in all states. Terms and conditions may vary by product type. Call 1-800-397-9010 for details regarding specific products. Additional Provisions for Warranty Manager Service and Purchase Security: This protection provides benefits 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 these benefits. 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 by the cardholder. 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 us until sixty (60) days after we receive 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 brought against us unless all the terms of the Guide to Benefits and policy have been complied with fully. These benefits are 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. Termination dates may vary by financial institutions. Visa and/or your financial institution can cancel or non-renew the benefits, 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 a Visa Signature cardholder. It is insured by Indemnity Insurance Company of North America. FORM #VWMGR (04/10) and FORM #PS (04/10)

Additional Provisions for Travel and Emergency Assistance Services: The benefit described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. FORM #VTEA (04/10)
AUTO RENTAL COLLISION DAMAGE WAIVER
What is this benefit? When certain terms and conditions are met, the Visa Signature Auto Rental Collision Damage Waiver benefit (Auto Rental CDW) providesat no additional chargereimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible insurance from any other source. Here are answers to some commonly asked questions about the benefit. Who is eligible? You are eligible only if you are a valid cardholder whose name is embossed on an eligible U.S.-issued Visa Signature card. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered. What is covered? Subject to the terms and conditions in this Guide to Benefit, Visa Signature Auto Rental CDW reimburses you for the deductible portion of your personal automobile insurance, valid administrative and loss-of-use charges imposed by the rental car company, as well as reasonable towing charges resulting from covered damage or theft of the rental vehicle while it is your responsibility. If you do not have personal automobile insurance or any other insurance covering this loss, this benefit reimburses you for the covered damage or theft as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges. Only 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 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. 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 Guide to Benefits, Visa Signature Auto Rental CDW applies to losses or expenses that are not covered by insurance or reimbursement. Covered losses are: Physical damage and/or theft of the covered rental vehicle. Valid loss-of-use charges imposed and substantiated by the auto rental company through a fleet utilization log. Reasonable and customary towing charges, due to a covered loss, to the nearest qualified repair facility. How do I activate this benefit? For the benefit to be in effect, you must: Initiate and complete the entire rental transaction with your eligible Visa Signature card, and Decline the auto rental companys collision damage waiver (CDW/LDW) option, or similar provision, if offered by the auto rental company. Helpful hints: 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 also to familiarize yourself with the terms and conditions of the auto rental agreement. 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 410-902-8012. The Benefit Administrator will answer any questions you or the rental agency may have and will then send you a claim form. All incidents must be reported immediately following the theft or damage, but in no event later than forty-five (45) days5 following the date of the theft or damage. Furthermore, we reserve 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. We therefore advise you to notify us immediately after any loss. You must make every reasonable effort to protect the rental vehicle from damage or theft. What 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 rental agency 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 loss or damage including, but not limited to diminished value. Expenses reimbursable by your insurer, employer, or employers insurance. Loss 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. Loss due to off-road operation of the rental vehicle. Loss due to hostility of any kind (including, but not limited to, war, invasion, rebellion, or insurrection). 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. Loss or damage as a result of the cardholders lack of reasonable care in protecting the rental vehicle before and after damage occurs (for example, leaving the vehicle running and unattended). Losses reported more than forty-five (45) days5 from the date of loss. Losses for which a claim form has not been received within ninety (90) days5 from the date of loss. Losses for which all required documentation has not been received within 365 days from the date of loss. Losses from rental transactions which originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. 8

A statement from your insurance carrier (and/or your employer or employers insurance carrier, if applicable) or other reimbursement showing the costs for which you are responsible and any amounts that have been paid toward the claim. Or, if you have no applicable insurance or reimbursement, please provide a notarized statement to that effect. A copy of the declaration page from your automobile insurance carrier. Enclose all the documents you received from the auto rental company: A copy of the Accident Report Form. A copy of the entire auto rental agreement(s). A copy of the repair estimate or itemized repair bill. Two (2) photographs of the damaged vehicle, if available. A police report, if obtainable. Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim. For faster filing, submit your claim online. Its easy, convenient, and available at no extra cost to eligible Visa Signature cardholders. To submit your claim and learn more about Visa Signature Auto Rental CDW go to the Visa Auto Rental CDW Claim Center at www.visa.com/eclaims.
If you experience difficulty in obtaining all the required documents within ninety (90) days5 of the date of theft or damage, just submit the claim form and any documentation you already have available. NOTE: All remaining documents must be postmarked within 365 days of the date of theft or damage. Do I have to do anything else? Usually not. Under normal circumstances, the claim will be paid within fifteen (15) days after the Visa Signature Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your claim. However, 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 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 damage or theft. This provision will not be applied unreasonably 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 by the cardholder. 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 twelve (12) months of the date of damage or theft. No legal action for a claim may be brought against us until sixty (60) days after we receive 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 us unless all the terms of this Guide to Benefit 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 Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled. Termination date may vary by financial institutions. Visa and/or your financial institution can 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 a Visa Signature cardholder. It is insured by Indemnity Insurance Company of North America. FORM #VCCDW01 (04/10)

LOST LUGGAGE REIMBURSEMENT
How do I benefit from Lost Luggage Reimbursement? When you pay for the entire cost of common carrier tickets with your eligible Visa Signature card, you will be eligible to receive reimbursement for your checked luggage, carry-on luggage, and its contents for the difference between the value of the amount claimed and the common carriers payment, up to $3,000 per trip (in New York, coverage is limited to $2,000 per bag for New York residents), provided the luggage was lost due to theft or misdirection by the common carrier. The value of the amount claimed is the lesser of the actual purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection with deduction for depreciation, or the cost to replace the item(s). The eligible person must take all reasonable means to protect, save, and/or recover any carry-on property at all times. This reimbursement is supplemental to and excess of any valid and collectible insurance and/or possible reimbursement from any other source.
What items are not covered? Automobiles, automobile accessories and/or equipment; motorcycles, motors, bicycles (except when checked with the common carrier), boats, or other vehicles or conveyances. Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs. Money, securities, credit or debit cards, checks, and travelers checks. Tickets, documents (travel or otherwise), keys, coins, deeds, bullion, stamps, perishables, consumables, perfume, cosmetics, rugs and carpets, animals, cameras, sporting equipment, and household furniture. Property shipped as freight or shipped prior to trip departure date. Items specifically identified or described in and insured under any other insurance policy. Losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials. Loss resulting from abuse, fraud, or hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection). Business items, cellular telephones, or art objects. Definitions Business items means items that are used in the purchase, sale, production, promotion, or distribution of goods or services (including, but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.). Checked Luggage means suitcases or other containers specifically designed for carrying personal belongings, for which a claim check has been issued to you by a common carrier. Common carrier means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket must be purchased prior to commencing travel. Common carrier does not include taxis, limousine services, commuter rail, or commuter bus lines. Eligible person means a Visa Signature cardholder who pays for the specific occasions covered by using the eligible card. Immediate family member means your spouse or legal dependent children under age 18 (25 if enrolled as a full-time student at an accredited institution). You and your means an eligible person (as defined above) or your immediate family members who charged their trip to your eligible Visa Signature card. What do I do if my luggage or its contents are lost or stolen? If Your luggage or its contents are lost or stolen, 1) immediately notify the common carrier to begin the common carriers claim process, and 2) immediately call the Benefit Administrator at 1-800-397-9010, or call collect at 410-902-8012. Notification to the Benefit Administrator must be made within twenty (20) days from the date the luggage was lost or stolen. The Benefit Administrator will answer any questions you may have and send you a special claim form. How do I file a claim? Complete the claim form you receive from the Benefit Administrator. Mail the following items within ninety (90) days from the date the luggage was lost or stolen to the address provided: 1. The completed claim form. 2. A copy of Your charge slip or receipt, as proof that the common carrier tickets were charged and paid for with your eligible Visa Signature card. 3. A copy of the check, settlement, denial, or explanation of coverage issued by the common carrier together with a copy of the common carriers completed claim form, a list of the items lost and their value, and a copy of the luggage claim check (if applicable). 4. A copy of your insurance declaration page or documentation of any settlement of the loss or theft. 5. Any other documentation deemed necessary by the Benefit Administrator to substantiate the loss or theft. Do I have to file a claim with my insurance company? Yes. If you have personal insurance (i.e. homeowners, renters, or other insurance applicable to the lost or stolen luggage or contents), You are required to file a claim with your insurance company and submit a copy of any claim settlement along with your completed claim form. If the claim amount is within your personal insurance deductible, the Benefit Administrator may, at its option, deem a copy of your personal insurance declarations page to be sufficient. Transference of Claims After the Benefit Administrator has paid your claim of loss or theft under this reimbursement benefit, all your rights and remedies against any party in respect of this loss 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.

Additional Provisions for Lost Luggage Reimbursement Lost Luggage Reimbursement is supplemental to and excess of any other valid and collectible avenue of recovery which is available to you, the eligible Visa Signature cardholder. We refund the excess amount once all other reimbursement has been exhausted up to the limit of liability. This benefit is available only to you, the eligible Visa Signature cardholder. You shall use due diligence and do all things reasonable to avoid or diminish any loss 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, 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 by the cardholder. No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. After the expiration of two (2) 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 us unless all the terms of this Guide to Benefits and policy 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 Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled. Termination dates may vary by financial institutions. Visa and/or Your financial institution can 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 a Visa Signature cardholder. It is insured by Indemnity Insurance Company of North America. FORM #VLUGOPT (04/10)
TRAVEL ACCIDENT INSURANCE
Principal Sum: $250,000 As a member of the Capital One Signature Card Program, you, your spouse and unmarried dependent children will be automatically insured against accidental loss of life, limb, sight, speech, or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers, or coupons, has been charged to your Capital One Credit Card account. If the entire cost of the passenger fare has been charged to your Capital One Credit Card account prior to departure for the airport, terminal, or station, coverage is also provided for common carrier travel (including taxi, bus, train, or airport limousine, including courtesy transportation; immediately, a) preceding your departure, directly to the airport, terminal, or station b) while at the airport, terminal, or station, and c) immediately following your arrival at the airport, terminal, or station of your destination. If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your Capital One Credit Card account. Common Carrier means any land, water, or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire. ELIGIBILITY: This travel insurance plan is provided to Capital One Signature Card Program members automatically when the entire cost of the passenger fare(s) is/are charged to your Capital One Credit Card account while the insurance is effective. It is not necessary for you to notify Capital One, the administrator or the Company when tickets are purchased. CLAIM NOTICE: Written claim notice must be given to the Company within 20 days after the occurrence of any loss covered by this policy or as soon as reasonably possible. Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the loss. CLAIM PROOF OF LOSS: For claims involving disability, complete proof of loss must be given to us within 30 days after commencement of the period for which the Company is liable. Subsequent written proof of the continuance of such disability must be given to the Company at intervals we may reasonably require. For all other claims, complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than 1 year after the deadline to submit complete proof of loss. CLAIM PAYMENT: For benefits payable involving disability, the Company will pay you the applicable benefit amount no less frequently than monthly during the period for which the company is liable, subject to our receipt of complete proof of loss. For all other benefits, the Company will pay you or your beneficiary the applicable benefit amount within 60 days after complete proof of loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy. THE COST: This travel insurance plan is provided at no additional cost to eligible Capital One Credit Card cardholders. Capital One pays the account holders premium out of the annual revenues generated from the Card.

BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insureds spouse, b) the Insureds children, c) the Insureds parents, d) the Insureds brothers and sisters, e) the Insureds estate. All other indemnities will be paid to the Insured. THE BENEFITS: The full Benefit Amount is payable for accidental loss of life, two or more members, sight of both eyes, speech and hearing, or any combination thereof. One half of the Benefit Amount is payable for accidental loss of: one member, sight of one eye, speech or hearing. Member means hand or foot. One quarter of the Benefit Amount is payable for the accidental loss of the thumb and index finger of the same hand. Loss means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with respect to a foot, complete severance through or above the ankle joint. The Company will consider it a loss of hand or foot even if they are later reattached. Benefit Amount means the Loss amount applicable at the time the entire cost of the passenger fare is charged to a Capital One Signature Card account. The loss must occur within one year of the accident. The Company will pay the single largest applicable Benefit Amount. In no event will duplicate request forms or multiple charge cards obligate the Company in excess of the stated Benefit Amounts for any one loss sustained by any one individual insured as the result of any one accident. In the event of multiple accidental deaths per account arising from any one accident, the Companys liability for all such losses will be subject to a maximum limit of insurance equal to two times the Benefit Amount for loss of life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. EXCLUSIONS: This insurance does not cover loss resulting from: 1) an Insureds emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), or bodily malfunctions; 2) suicide, attempted suicide or intentionally self-inflicted injuries; 3) declared or undeclared war, but war does not include acts of terrorism; 4) travel between the Insured Persons residence and regular place of employment. This insurance also does not apply to an accident occurring while an Insured is in, entering, or exiting any aircraft while acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency. EFFECTIVE DATE: This insurance is effective 03-01-2007 and will cease on the date the Master Policy 64780665 is terminated or on the date your Capital One Signature Card Program membership ceases to be in good standing, whichever occurs first. Answers to specific questions can be obtained by writing the Plan Administrator. To make a claim, please contact the Plan Administrator. Plan Administrator CBSI 550 Mamaroneck Ave. Harrison, NY 10528 Plan Underwritten By Federal Insurance Company a member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, P.O. Box 1615 Warren, NJ 07061-1615

As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is simply an informative statement of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of Insurance are contained In the master policy on file with the Policyholder: Capital One. If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern.
visa.com 2010 Visa U.S.A. Inc.