VISA CLASSIC CREDIT CARD AGREEMENT

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1 PO Box 700 Box Elder SD Fax sentinelfcu.org VISA CLASSIC CREDIT CARD AGREEMENT AGREEMENT ACCEPTANCE: In this Agreement, Agreement means this Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure that accompanies this Agreement. This Agreement governs your Sentinel Federal Credit Union (SFCU) Visa Credit Card Account. You promise to pay for all transactions, fees, interest charges and any past due amounts assessed on your Account. Using your Account or making payments on it make this Agreement binding. The words "we," "us" and "our" mean SFCU which is the issuer of your credit card and lender for your Account. The words "you," "your" and "yours" mean everyone responsible for this Account. The word "card" means each card or other access device, such as Account numbers, that we give you to use your Account. USING YOUR ACCOUNT: If you are approved for an account, SFCU will establish a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus other charges ) which you will have outstanding on your account at any time. If you are over your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to us. We may refuse to make an advance, may increase or decrease your credit limit, and/or terminate your account at any time for any reason not prohibited by law. Your Account is to be used only for personal, household or family purposes. You promise that you will not allow your Account to be used for illegal Internet gambling and you will not use it for any other unlawful purposes or transactions. If you let anyone use your Account, that person is an authorized user and you may request a card for each authorized user. Account information may appear on the authorized user's credit report. You are responsible for all use of your Account including charges by authorized users. USING YOUR CARD: You understand that the use of your credit card will constitute acknowledgement of receipt and agreement to the terms of the Agreement and Disclosure. You may use your card to make purchases from merchants and others who accept your card. We are not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from us, from other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If we authorize ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers and money orders. Transactions on your account may be declined for any of the following reasons: your Account is in default (including exceeding your credit line); operational matters; suspected fraudulent or unlawful activity, or any other reason we choose. If a transaction is declined for any reason, either by us or a third party we are not responsible for any losses. PROMISE TO PAY: You promise to pay all charges (purchases, cash advances, balance transfers or any other charge) made to your account by you or anyone you authorize to use your account. You also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or another agreement you made with us. If this is a joint account, the paragraph on Joint Accounts also applies to your account. PERIODIC RATES: To get the monthly interest rate we divide the APR by 12. FINANCE CHARGES: Daily Balance Method (including current transactions): New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle or you paid the entire New Balance on the previous cycle s billing statement by the Payment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. The Annual Percentage Rate is subject to change on the first business day of each month to reflect any change in the Index and will be determined by the Prime Rate on the last day of the previous month as published in The Wall Street Journal Money Rates table plus a margin. The Annual Percentage Rate will never be greater than 18.0%. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, we will choose a new index which is based upon comparable information. The Annual Percentage Rate for your Card is based on certain credit-worthiness criteria. For the Annual Percentage Rate and monthly periodic rate that applies to your card, please refer to the separate Disclosure that accompanies this agreement. When you are sixty (60) days delinquent in making a payment, the monthly periodic rate on your account will increase to SFCU-VISA-CLASSIC-AGREEMENT-7/1/13 1 of 4

2 1.50% per month, which is an Annual Percentage Rate of 18.0%. When your account has been paid current for six (6) consecutive months, the rate will revert automatically back to the rate in effect prior to delinquency. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions that involve multiple currency conversions, including purchases, cash advances and credits to your account. A fee of 0.8% will be imposed on all foreign transactions that are single currency transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands. PAYMENTS: Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement or no later than 28 days from the statement closing date, whichever is later. If your statement says the payment is Now Due, your payment is due no later than 28 days from the statement closing date. You may pay more frequently, pay more than the minimum payment or pay the Total New Balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each month your Account has a balance (other than a credit balance). The minimum payment is 3% of your Total New Balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. We also have the right to demand immediate payment of any amount by which you are over your credit limit. PAYMENT ALLOCATION: Subject to applicable law, your minimum payments may be applied to what you owe us in any manner we choose. However, in every case, in the event you make a payment in excess of the required minimum periodic payment, we will allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable annual percentage rate. SECURITY INTEREST: You grant us a security interest under the Uniform Commercial Code and under any other applicable law rights we may have in any goods you purchase. You will give us a specific pledge of shares by signing a separate pledge of shares. Your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your account until we agree to release all or part of the pledged amount. Your Account is secured by all other shares you have in any individual or joint account with us, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given as security. These other shares may be withdrawn unless you are in default under this agreement. If you should default you authorize us to apply the balance in your individual or joint share accounts to pay any amounts due on your Account. Collateral securing other loans you have with us may also secure this loan, except that a dwelling will never be considered as security for this account, notwithstanding anything to the contrary in any other agreement. DEFAULT: You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in default if something happens that we believe may substantially reduce your ability to repay what you owe. When you are in default, we have the right to demand payment of your account balance without giving you notice. If your Account is in default, we may close your Account without notice and require you to pay your unpaid balance immediately. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this Agreement. FEES: We may charge the following fees on your account. Refer to the accompanying Disclosure for applicable fee amounts and explanations of these fees. Annual Fee: If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of your card. Each year following, the annual fee will be charged to your account during the same month that you were first charged the fee. The fee will be charged each year until your account is closed and paid in full. Foreign Transaction Fee: If your account is subject to a Foreign Transaction Fee, a fee may be charged to your account for transactions made outside of the United States or in a foreign currency. Late Payment Fee: If your account is subject to a Late Payment Fee, the fee will be charged to your account when you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on the Disclosure accompanying this Agreement. Returned Payment Fee: A fee will be charged for each returned payment. Card Replacement Fee: If your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason. Rush Fee: If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing delivery of the card is also available by standard mail service, without paying a fee for delivery. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION: You agree to notify us immediately, orally or in writing, at P.O. Box 700, Box Elder, SD 57719, or telephone (605) Monday through Friday 8:30 A.M. to 5:00 P.M. (MT) or seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $ CHANGING OR TERMINATING YOUR ACCOUNT: As permitted by law, we may change the terms of this Agreement and any attached Disclosure from time to time. You may close your Account at any time. You may be required to provide a closure request in writing. We may close your Account at any time for any reason, including Account inactivity, without notice. If we close your Account or decline any credit privileges or transactions, we will not be liable to you for any consequences that result. If you or we close your Account, you and any authorized users must stop using your Account immediately. You will continue to be responsible for charges to SFCU-VISA-CLASSIC-AGREEMENT-7/1/13 2 of 4

3 your Account according to the terms of this Agreement. If this is a joint account, the paragraph on Joint Accounts of this Agreement also applies to termination of the account. CHANGING OR TERMINATING AUTHORIZED USERS: Anyone you let use your Account is an authorized user. You may request another card for each authorized user. You are responsible for all use of your Account including charges by authorized users. You must notify us in writing if you want to terminate or change an authorized user on your Account. If you do, your Account may be closed and new cards issued with a different Account number. CREDIT REVIEW AND RELEASE OF INFORMATION: You authorize us to investigate your credit standing when opening or reviewing your account. You authorize us to disclose information regarding your account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s). If you request additional cards on your Account for others, we may report Account information in your name as well as in the names of those other people. RETURNS AND ADJUSTMENTS: Merchants and others who honor your card may give credit for returns or adjustments, and they will do so by sending us a credit slip which will be posted to your account. If your credits and payments exceed what you owe us, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six (6) months. ADDITIONAL BENEFITS/CARD ENHANCEMENTS: We may from time to time offer additional services to your account, such as travel accident insurance, at no additional cost to you. You understand that we are not obligated to offer such services and may withdraw or change them at any time. MERCHANT DISPUTES: We are not responsible for the refusal of any merchant or financial institution to honor your card. We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement we sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of your home. JOINT ACCOUNTS: If this is a joint account, each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that we can require any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the account and the termination will be effective as to all of you. EFFECT OF AGREEMENT: This Agreement is the contract which applies to all transactions on your account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. NO WAIVER: We can delay enforcing any of our rights any number of times without losing them. STATEMENTS AND NOTICES: Statements and notices will be mailed to you at the appropriate address you have given us. Notice sent to any one of you will be considered notice to all. SEVERABILITY AND FINAL EXPRESSION: This Agreement and the Disclosure are the final expression of the terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this Agreement. COPY RECEIVED: You acknowledge that you have received a copy of this Agreement and Disclosure. You understand that the use of your credit card will constitute acknowledgement of receipt and agreement to the terms of the credit agreement. GAMBLING TRANSACTIONS PROHIBITED: Using your card to initiate any prohibited gambling transaction will result in the immediate cancellation and loss of your card. PENALTY RATE DISCLOSURES: The Penalty Rate (APR) will be applied to your account if you make a late payment; go over your credit limit; make a payment that is returned; or do any of the above on another account that you have with us. Before we apply the Penalty Rate on any type of transaction or balance, we will provide you any notice required by law in advance that tells you which future transactions and/or outstanding balances are subject to the Penalty Rate and when the rates will increase. If we do not increase your rate to the Penalty Rates when any of these events occur, we reserve our right to increase your rate to the Penalty Rate if any of these events occur in the future. SFCU-VISA-CLASSIC-AGREEMENT-7/1/13 3 of 4

4 Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Sentinel Federal Credit Union PO Box 700 Box Elder SD You may also contact us on the Web: In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was correct. While we investigate whether or not there has been an error: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at: Sentinel Federal Credit Union PO Box 700 Box Elder SD While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. SFCU-VISA-CLASSIC-AGREEMENT-7/1/13 4 of 4

5 Your Guide to Benefit describes the benefit in effect as of 4/1/14. Benefit information in this guide replaces any prior benefit information you may have received. Please read and retain for your records. Your eligibility is determined by your financial institution. YOUR GUIDE TO CARD BENEFIT Visa Card Auto Rental Collision Damage Waiver For more information about the benefit described in this guide, call the Benefit Administrator at , or call collect outside the U.S. at For questions about your account, balance, or rewards points please call the customer service number on your Visa card statement. Benefit Information What is the Auto Rental Collision Damage Waiver ( Auto Rental CDW ) benefit? The Auto Rental Collision Damage Waiver ( Auto Rental CDW ) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement (subject to the terms and conditions in this guide) for damage due to collision or theft up to the actual cash value of most rental vehicles. Who is eligible for this benefit? You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa card issued in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered. What losses are covered? The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle. Covered losses include: Physical damage and/or theft of the covered rental vehicle Valid loss-of-use charges imposed and substantiated by the auto rental company Reasonable and customary towing charges, due to covered theft or damage, to the nearest qualified repair facility Please Note: This benefit only covers vehicle rental periods that neither exceed nor are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence. How does this coverage work with other insurance? Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. This means that, subject to the terms and conditions of this benefit, Auto Rental CDW applies to eligible theft or damage or expenses that are not covered by insurance or reimbursement. If you do not have personal automobile insurance or any other insurance covering this theft or damage, this benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle. If you do have personal automobile insurance or other insurance covering this theft or damage, the Auto Rental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and loss-of-use charges imposed by the auto rental company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility. Optional Benefits 2014 Disclosure Copy Page 1 of 4 10/8/2013

6 What types of rental vehicles are not covered? The following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles; certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles. Examples of excluded expensive or exotic automobiles include: the Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered. An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been manufactured for ten (10) years or more. Vans are not covered, with the exception of those manufactured and designed specifically as small group transportation vehicles (for a maximum of eight (8) people including the driver). For questions about a specific vehicle, call the Benefit Administrator at If you are outside the United States, call collect at What else is not covered? Any obligation you assume under any agreement (other than the deductible under your personal auto policy) Any violation of the auto rental agreement or this benefit Injury of anyone or damage to anything inside or outside the rental vehicle Loss or theft of personal belongings Personal liability Expenses assumed, waived, or paid by the auto rental company or its insurer Cost of any insurance or collision damage waiver offered by or purchased through the auto rental company Depreciation of the rental vehicle caused by the incident including, but not limited to diminished value Expenses reimbursable by your insurer, employer, or employer s insurance Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband or illegal activities Wear and tear, gradual deterioration, or mechanical breakdown Items not installed by the original manufacturer Damage due to off-road operation of the rental vehicle Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities) Confiscation by authorities Vehicles that do not meet the definition of covered vehicles Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence Leases and mini leases Theft or damage as a result of the authorized driver s and/or cardholder s lack of reasonable care in protecting the rental vehicle before and/or after theft or damage occurs (for example, leaving the vehicle running and unattended) Theft or damage reported more than forty-five (45) days* from the date of the incident Theft or damage for which a claim form has not been received within ninety (90) days* from the date of the incident Theft or damage for which all required documentation has not been received within three hundred and sixty-five (365) days from the date of the incident Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland Where am I covered? This benefit is available in the United States and most foreign countries. However, no benefit is provided for motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, this benefit is not available where precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by individual merchants. Because regulations vary outside the United States, it is recommended you check with your auto rental company and the Benefit Administrator before you travel to make sure Auto Rental CDW will apply. This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto rental company. This benefit terminates when the auto rental company re-assumes control of the rental vehicle. Optional Benefits 2014 Disclosure Copy Page 2 of 4 10/8/2013

7 How do I make sure my Auto Rental CDW benefit is in effect? To be sure you are covered, take the following steps when you rent a vehicle: 1. Initiate and complete the entire rental transaction with your eligible Visa card. 2. Decline the auto rental company s collision damage waiver (CDW/LDW) option or similar provision. Helpful tips: Be sure to check the rental vehicle for prior damage before leaving the rental lot. Review the auto rental agreement carefully to make sure you are declining CDW/LDW and are familiar with the terms and conditions of the auto rental agreement. What if the auto rental company insists that I purchase the auto rental company s auto insurance or collision damage waiver? Call the Benefit Administrator for help at If you are outside the United States, call collect at Filing an Auto Rental CDW Claim What do I do if I have an accident or the rental vehicle is stolen? Immediately call the Benefit Administrator at to report the theft or damage regardless of whether your liability has been established. If you are outside the United States, call collect at The Benefit Administrator will answer any questions you or the auto rental company may have and will send you a claim form. When should I report an incident? You should report theft or damage as soon as possible, but no later than forty-five (45) days* from the date of the incident. The Benefit Administrator reserves the right to deny any claim that contains charges that would not have been included had the Benefit Administrator been notified before those expenses were incurred, so you are advised to notify the Benefit Administrator immediately after any incident. Please Note: You must make every reasonable effort to protect the rental vehicle from theft or damage. As the cardholder you are responsible for reporting your claim to the Benefit Administrator immediately. Reporting an incident to someone other than the Benefit Administrator will not fulfill this obligation. What do I need from the auto rental company in order to file a claim? At the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental company for: A copy of the accident report form and claim 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 and itemized repair bill Two (2) photographs of the damaged vehicle, if available A police report, if obtainable How do I file a claim? Submit the documents gathered from the auto rental company (listed above) along with the following additional documents to the Benefit Administrator: The completed and signed Auto Rental CDW claim form. Please Note: Your completed claim form must be postmarked within ninety (90) days* of the date of the theft or damage, even if all other required documentation is not yet available, or your claim may be denied. 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 employer s 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, a notarized statement of no insurance or reimbursement is required. A copy of your primary insurance policy's Declarations Page to confirm your deductible. Declarations Page means the document(s) in your insurance policy that lists names, coverages, limits, effective dates and deductibles. Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim Optional Benefits 2014 Disclosure Copy Page 3 of 4 10/8/2013

8 Please Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days of the date of theft or damage. If you have difficulty obtaining the required documents within ninety (90) days* of the date of theft or damage, submit the claim form with available documentation. For faster filing, or to learn more about Auto Rental CDW, visit Do I have to do anything else? Usually there is nothing else you need to do. Typically, claims will be finalized within fifteen (15) days after the Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your claim. After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies. * Not applicable to residents of certain states. ADDITIONAL PROVISIONS FOR AUTO RENTAL CDW You must make every effort that would be made by a reasonable and prudent person to protect the rental vehicle from theft or damage. This provision will not be unreasonably applied to avoid claims. If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact. Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the incident/occurrence. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within twelve (12) months of the date of the incident/occurrence. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider unless all the terms of this Guide to Benefit have been complied with fully. 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. The benefit described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled. Termination dates may vary by financial institution. Your financial institution can cancel or non-renew the benefit, and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa cardholder. Indemnity Insurance Company of North America ( Provider ) is the underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider. FORM #VARCDW 2013 (Stand 04/14) ARCDW-O For more information about the benefit described in this guide, call the Benefit Administrator at , or call collect outside the U.S. at Visa. All Rights Reserved. visa.com Optional Benefits 2014 Disclosure Copy Page 4 of 4 10/8/2013

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