Welcome To AAA. James J. McGrath President

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2 Welcome To AAA Dear AAA Member, Thank you for joining AAA. We are thrilled to have you as a member. You have joined one of the largest membership organizations in the world. AAA has served members since 1902, and our number one priority continues to be high-quality, personal service. You should know that the AAA membership card you carry is your passport to service throughout the USA and Canada. AAA provides automotive and roadside services, complete travel planning, top quality insurance, financial services and AAA Discounts & Rewards. AAA gives you peace of mind, convenience and savings, when you are driving, traveling or around home. This Member Handbook is intended to help you take full advantage of your membership. Read it over, then keep it handy for easy reference any time you have questions about benefits. Thank you for the opportunity to serve you in the years ahead. Sincerely, James J. McGrath President

3 Table of Contents Membership Information 1 Automatic Renewal 3 Privacy Information 3 Roadside Assistance 4 AAA Plus and AAA Premier Benefits 9 Automotive Services 10 Exclusive Premier Membership Benefits 11 Trip Interruption and Vehicle Return-Terms and Conditions 14 Travel Planning 18 AAA Travel Agency 19 AAA Financial Services 20 Insurance Services 21 AAA Discounts & Rewards 23 Public and Government Relations 25 AAA Branch Directory 26 Important: Benefits, programs and services are subject to change and have specified limitations. The Club publication, AAA Traveler magazine, is where you will be informed of changes and new services.

4 Membership Information AAA Membership All AAA membership applications and renewals are subject to approval and acceptance by AAA. If at any time during the year you decide AAA is not for you, we will give you a prorated refund of your unused membership dues, exclusive of the new member admission fee. Membership eligibility, paid dues, fees, services and benefits are subject to change without notice. Returned checks and returned electronic payments may be re-presented electronically for payment. Each returned check and returned electronic payment is subject to a returned payment fee. For returned electronic payments, this fee may be debited electronically. Types of Membership The Primary Member is the first person in the household to join AAA. Membership benefits include Roadside Assistance and all other AAA services and benefits. The chart below highlights just some of the Roadside Assistance and other benefits available to Classic members, and compares them to benefits available to AAA Plus and AAA Premier Members. AAA Plus, AAA Plus RV, AAA Premier and AAA Premier RV extended benefits are effective 7 days after the date of sale, if paid in full. Roadside Assistance Towing Benefit Emergency Fuel Lock & Key Service Passport Photos Identity Theft Monitoring 1 Home Lockout Service Travel Accident Insurance Concierge Service 24 Hour Global Travel Emergency Assistance Trip Interruption Vehicle Return Classic You are entitled to four calls during your membership year at no extra charge.* Towing up to 3 driving miles or back to the service provider. Free delivery. Up to $60.00 reimbursement. Discounted Available free after online or phone enrollment. N/A N/A N/A N/A N/A N/A * Roadside Assistance allowable services include battery boost, flat tire change, towing, emergency fuel delivery, extrication and lockout. ** The coverage only extends to covered travel in the U.S. and Canada. 1 Provided by Consumerinfo.com, an Experian Company. 2 Underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. 1

5 Associate Membership Associate membership is available at substantially reduced rates to the spouse or another adult residing in the same household as the Primary member. Other eligible associates are dependent unmarried children aged 14 to 24 who reside in the same household as the Primary member or who are away at school. Associate Members must have the same level of membership (Classic, AAA Plus, AAA Plus RV, AAA Premier, AAA Premier RV) as their Primary Member. Primary Members are responsible for the conduct and the service demands of their Associate Members. An individual may only have one membership. AAA Plus AAA Plus is an optional plan that expands your Classic membership coverage to provide even greater peace of mind and money-saving benefits. AAA Plus provides free towing up to 100 driving miles (see chart for more details) and vehicle locksmith service up to $100. AAA Plus RV With AAA Plus RV your large motor home, pickup with camper, boat trailer, travel trailer and motorcycle can get all of the great AAA Plus coverage. AAA Premier AAA Premier is an optional plan that expands your AAA Plus coverage to include one 200 driving mile tow per member per membership year. See chart for more benefits. AAA Premier RV With AAA Premier RV you expand your AAA Plus RV coverage to include one allowable RV tow up to 200 driving miles per household per membership year. AAA Plus You are entitled to four calls during your membership year at no charge.* Towing up to 100 driving miles or back to the servicing station. Free delivery and free fuel. Up to $100 reimbursement. Free Available free after online or phone enrollment. N/A N/A N/A N/A N/A N/A AAA Premier You are entitled to four calls during your membership year at no charge.* Towing up to 100 driving miles or back to the service provider, one tow per member can be up to 200 driving miles. Free delivery and free fuel. Up to $150 reimbursement. Free Available free after online or phone enrollment. Additional benefit of $10,000 in Identity Theft Insurance. 2 One per membership year per household. Reimbursement up to $100. $300,000 Loss of life or limb when airline ticket is purchased through AAA. 3 Available when traveling 100 or more miles from home.** Reserve golf tee time, theater or sporting event ticketing, etc. Available when traveling100 or more miles from home. Up to $1,500 reimbursement when 100 driving miles or more from home.** Up to $500 reimbursement when 100 driving miles or more from home.** 3 Underwritten by The Federal Insurance Co. Insurance coverage is underwritten by BCS Insurance Company under a Form no B. Allianz Global Assistance is the licensed producer and administrator for this plan. RV Coverage (covers RVs, motorcycles, and boat trailers): AAA Plus members may add RV coverage at an additional cost per household; all AAA Plus coverages apply to RV. AAA Premier members may add RV coverage at an additional cost per household; all AAA Plus towing coverages apply to RV. One of the allowable RV tows can be up to 200 driving miles, but will be limited to one per household per membership year. 2

6 Automatic Renewal To make renewal more convenient and to avoid the possibility of a lapse in membership coverage, you may choose to have your membership automatically renewed each year. This option eliminates the inconvenience of check writing, postage costs and check fees. For information call , ext By signing up for the Automatic Renewal program, your credit/debit card or bank account will automatically be billed each year for your annual membership dues then in effect. Each year before your membership expires, we ll send a statement of your current services and renewal dues amount. You may cancel Auto Renewal at any time by contacting AAA. Unless you contact us to make changes to or cancel Auto Renewal, AAA will automatically renew your membership and charge the dues shown on your statement to your account on file. If your VISA/MasterCard credit/debit card issuing bank participates in the Card Account Updater program, unless you opt out of the service with your issuing bank, we may receive updated credit/debit card account number and/or expiration date for the card information you have previously provided us. We will update our files and use the new information when we bill you for your annual membership dues. We won t receive updated information if your account has been closed. After being a member for several years, if you are enrolled in Automatic Renewal, you will begin to receive a new membership card every other year. Your card will be valid for two years when you pay your billed dues each year. Privacy Information Keeping member and non-member client information secure is one of our most important responsibilities. We value your trust and handle information about you with care. The information we use helps us bring you valuable services and savings, but most importantly, peace of mind as you travel. We limit who receives member and non-member client information and what type of information is shared within the Club or business lines and with our preferred vendors. We may share member and non-member client information with companies that work with us to provide you products and services. We share the information in order to provide you a good customer experience. For our complete Privacy Policy Notice, go to our Website at AAA.com. Our Privacy Policy Notice is also provided in your member magazine. You have choices when it comes to learning about new offers and services from AAA. You can choose not to receive savings opportunities and marketing offers by mail, phone and/or from us or from our preferred vendors. Call us at , ext or write us at AAA, N. Forty Drive, St. Louis, MO 63141, or go online at AAA.com. 3

7 Roadside Assistance Where to call for service: AAA-HELP ( ) (Throughout the U.S.) To obtain AAA Roadside Assistance, call AAA-HELP throughout the U.S. This number is operated 24 hours per day every day. Hearing impaired members may call our TTY at Members may also request Roadside Assistance online at AAA.com. When contacting AAA for service, please give your name, membership number, exact location (including the nearest intersecting street), vehicle description, type of service needed, and contact information. The following provisions define the scope and extent of this Club s Roadside Assistance Service. Please note that these rules are subject to change, so members should read them each time they are published. When traveling outside AAA Missouri s territory in an area served by another AAA Club, their service regulations will apply. Rules and rates may vary throughout the country. Reimbursement is extended to include those services covered by your membership that are not available from another AAA Club. If you have questions about the Club s Roadside Assistance Service policies, please call Member Services at FindMe AAA FindMe is a free service for any member that provides the ability to transmit breakdown locations to AAA, when requesting roadside assistance in the United States.* AAA FindMe is currently available with Sprint and AT&T, but may be available with other carriers in the future. Members can sign up at AAA.com/AAAFindMe, to give permission to AAA to send the member s location to the servicing club when a breakdown occurs. Eligibility You are entitled to specific Roadside Assistance Services, without charge, when all five of the following conditions are met: You have paid membership dues and have a membership card in your name. You are with the car to receive service and present a current membership card and photo identification. Unless a valid AAA membership card and identification are presented at the time of service, you will be expected to pay for the service provided at commercial rates. (Exceptions can be made in extenuating circumstances.) You were either driving the vehicle or riding in the vehicle at the time of the breakdown. The condition of the vehicle is one that prevents you from continuing or completing your trip in that car. Your use of Roadside Assistance has not exceeded four calls during a membership year, otherwise charges are incurred for the fifth and subsequent calls. *GPS-enabled CDMA handsets only. Members must have a Sprint or AT&T GPS-enabled handset and provide permission to release location information to AAA in advance of the roadside assistance call. 4

8 Type of Service Requests The Club allows one normally equipped service vehicle and one driver for each service request. You must pay for any special or additional equipment or personnel at the time of service and at the prevailing commercial rates. Only one service call is allowed per breakdown. The following types of Roadside Assistance are normally available: Starting: If your vehicle s battery is weak or dead, the Club will provide an electrical boost (jump start). If it cannot be started, the Club will provide a tow. AAA Battery Service, a mobile battery testing and replacement service, is available in some markets and batteries can be purchased at the scene of disablement, if available. (See details in Automotive Services section under Battery Service.) Towing: If your car requires towing, the Club will provide eligible vehicles one tow per breakdown either back to the Service Provider Facility station providing the tow (if they provide repair services) or to a destination (including a AAA Approved Auto Repair facility) within three driving miles of the point of breakdown. For towing to any other destination, the Club covers the charge for the hook-up and the first three driving miles of towing. Beyond three driving miles of towing, you will be charged the service provider s normal commercial rate per mile or fraction thereof, not to exceed $3.00 per mile plus tax where applicable. The Club will not reimburse such mileage charges. Towing may be available for light duty trailers being towed at the time of disablement. The member, however, will be responsible for any related charges for towing of the trailer. Members requesting flatbed service will be charged when not required by the vehicle manufacturer. Flatbed service charges are not applicable if required due to accident damage or if it is the service provider s primary service vehicle. Any long distance tow, or a tow to a facility other than the servicing facility, may have to be deferred to a time when the contractor can make the tow without affecting the normal Roadside Assistance Service it provides. Such a delay will not normally be more than a few hours. Accident Towing: Service will be provided to the member in accordance with the rules in the Towing section shown above, unless prohibited by law. Storage charges or additional tows are not covered. The Club and/or its service providers may seek reimbursement from insurance companies and/or repair facilities when appropriate. Extrication/Winching Service: If your vehicle becomes stuck, one normally equipped service vehicle and one driver will be provided to extricate or winch your vehicle when it can be safely reached from a normally traveled road or established thoroughfare. Extrication of vehicles parked on streets; driveways, parking lots or alleys which are snowbound or flooded is not covered under AAA membership. Shoveling snow from around a vehicle or cleaning a road or driveway is not provided. If special equipment, more than one service vehicle or more than one person is required, the associated costs may be at your expense. Tire Service: The Club will replace a flat tire with the inflated spare from your vehicle. If more than one tire is deflated or if an inflated spare is not available, we will tow the vehicle. Tire service is excluded for dual wheel vehicles. Out of Fuel: A limited amount of fuel will be delivered to your disabled vehicle, enabling you to reach the nearest service station where fuel can be 5 2

9 purchased. Payment for the fuel at prevailing pump rates must be made to the service provider upon delivery. AAA Plus and AAA Premier members will not be charged for such limited amount of fuel. Lock-Out/Locksmith Service: If your vehicle s keys are locked inside your vehicle, service is available to attempt to unlock your vehicle. If your vehicle key is lost, broken, or the service provider cannot gain entry, the Club will provide either locksmith service, a tow as allowed by towing eligibility rules, or reimbursement of commercial locksmith service up to $60. AAA Plus reimbursement up to $100 and AAA Premier members up to $150. Minor Repairs: Minor mechanical first aid will be attempted at the scene to place the disabled vehicle in a drivable condition when able to do so safely, conveniently, and effectively. These small repairs cannot be guaranteed and members should immediately proceed to a repair facility to consult a mechanic. Rental Replacement Vehicle Service: For those instances when your car is mechanically disabled and your vehicle is towed by AAA Missouri in your home club territory, AAA can help you arrange for a rental replacement vehicle at special member-only rates. Available in most areas, AAA-preferred car rental provider offices are able to provide local pick-up service in your neighborhood. AAA Plus and AAA Premier members are entitled to one car class upgrade on each vehicle rental, except that AAA Premier members cannot receive this upgrade when using their AAA Premier One Day Complimentary Rental benefit (available to each Premier member once per membership year). To find out if this service is available in your area, or to make arrangements for a rental replacement vehicle, simply call AAA-HELP ( ). Eligible Vehicles The following motor vehicles are eligible for service, provided they qualify for highway registration and are not loaded, altered or constructed in such a way as to cause damage or create a hazard when being serviced: Roadside Assistance Service is provided to four-wheeled motor driven vehicles of the passenger, pleasure, or recreational type, if those services can be safely delivered. Service does not include the use of medium duty or heavy duty wreckers for towing of vehicles too heavy to be safely towed using ordinary equipment, unless that equipment is the type being used by the provider on the call. Medium duty or larger equipment is typically required for vehicles exceeding 8,600 GVW. Rented passenger vehicles and commercial vehicles are eligible for service with the exclusion of for-hire vehicles, such as taxicabs and limousines. Dual wheel pickup trucks are not eligible for tire service. Recreational Vehicles (RVs), other than motorcycles, are eligible for all services with the exception of towing, extrication/winching and tire change service. Motorcycles are eligible for delivery of fuel and locksmith service. AAA Plus RV provides towing, extrication/winching and tire change services for RVs. RVs include motor homes, pickup trucks with campers, travel trailers (including fifth wheel), camping trailers, motorcycles, motorcycle and snowmobile trailers and boat trailers out of water. Service is not provided for horse/livestock trailers or car haulers/dollies. Services Not Included Vehicles and services that are NOT covered include: Heavily loaded or over-sized vehicles in which towing, tire change, or extrication may not be safely performed using provided equipment. 26

10 Service does not include the use of medium duty or heavy duty wreckers for towing of vehicles too heavy to be safely towed using ordinary equipment, unless that equipment is the type being used by the provider on the call. Vehicles altered to the extent that special equipment is required to safely transport the vehicle. Certain after market options, such as snowplows or salt spreaders, may prevent the vehicle from being towed with automobile servicing equipment. Vehicles in which parts have been removed or altered that make the vehicle inoperable (except by theft). Vehicles that do not bear valid state license plates, have been towed under police order due to infractions, or are held under legal restraint. Towing service is only provided for a covered vehicle disablement and will not be provided for the purpose of transporting vehicles due to a purchase, sale, auction transaction, car show exhibition, charitable donation, relocation or any other similar situation. Vehicles that have been driven into an area which is not maintained as a road, or into an area or road that is flooded. Tire repair, putting a replacement tire on your wheel, tire rotation, or the installation or removal of snow tires or chains. Delivery of fuel when the vehicle is at a facility that sells fuel. Fuel delivery for use in a portable or onboard generator, boat engine, snowmobile, or jet ski. Service for trailers (unless the member has Plus/Premier RV membership and then only eligible RV trailers are covered). Service Providers Most AAA service providers are independent contractors and not agents or employees of the Club. In some areas service is provided by Club employees and Club owned vehicles. The Club cannot guarantee that they will have all of the parts or facilities you need for your car, nor will the Club accept responsibility for repairs, or the availability, delivery, or installation of parts. All parts used and services provided must be authorized and paid for by you. Any claim for damage caused by a service provider or Club employee should be reported promptly to the facility s owner within 10 days of occurrence. If such a claim is not met to your satisfaction, please report it to the Club s Field Operations Department within 30 days of claim damage. AAA will make an effort to mediate the dispute after an investigation. Excessive or Ineligible Use The most equitable way to ensure reasonable membership dues is to ask the few members who use Roadside Assistance Service excessively to share in the cost of providing this expensive service. Therefore, each AAA member is limited to four service requests per membership year at no charge. Your associate members have different membership numbers and are each entitled to four service requests. Service requests are not accumulative among members and are not transferable. The membership number used when requesting service will be the account charged with the service request. Although rules limit service to one request per problem, multiple service requests for the same problem will be counted separately on your service record. A service request is defined as the provision of any service listed in the Type of Service Requests section. First year members membership period begins from time of enrollment and continues until the members anniversary date. Each year thereafter, your 12 month membership period begins and ends on your anniversary date. Your official membership card is only effective if your current 7

11 annual membership dues are paid in full. You will be billed for any service obtained without paying your annual membership dues. For those times when it is necessary to exceed the four-request-per-year limit, service will be provided and you will be charged a service charge. Non-payment of a billed service charge will result in the cancellation of your membership and your associate memberships. Collection procedures will also be instituted. The Club reserves the right to cancel a membership(s) in which the privileges of membership have been abused. Without limiting any other rights or remedies it may have, AAA may seek reimbursement from a member or associate for roadside assistance services fraudulently or wrongfully obtained by the member or associate. Primary members are responsible for the conduct and the service demands of their associate. A complete accounting of your service requests can only be obtained by contacting the Service Review Department at , or AAA-7623 ext. 6860, Monday-Friday, 8:30 a.m. to 5:00 p.m. When traveling outside of the AAA Missouri territory, other AAA Clubs will not have access to your Roadside Assistance usage history. Reimbursements If you made a reasonable attempt to get help from the Club s Member Services Center and were unable to do so, or if you were directed by the Club to seek commercial service, you may apply to the Club for reimbursement of the bill obtained from whatever nearby service facility was used. When applying, include the original itemized receipt on the billhead of the servicing firm which must contain the name of the member incurring the expense, and the following details: the nature of the trouble, the location, the date and time, and the amount paid. The application must be sent within 60 days after the incident to Roadside Assistance/Home Lockout Refund Department, North Forty Drive, St. Louis, Missouri Reimbursement application forms are available at any Club service office or online at AAA.com. Reimbursement will be considered only if it is a service allowed by these rules and if it is a covered service provided without charge, and all eligibility requirements have been met. The Club reserves the right to adjust a reimbursement application where the amount charged is higher than the prevailing commercial rate for that region and to deny or adjust a reimbursement application for service obtained from anyone not engaged in the automobile service or locksmith business. When AAA is not contacted, a valid membership card is not presented, or your membership dues were not paid at the time of service, the reimbursement will be adjusted according to the servicing contractor s rate for that area. Extreme Weather The Club makes every effort to ensure that the provision of Roadside Assistance Service can be made under all conditions. When the weather or roads are extremely bad, however, there may be some delay before help can reach you. Because towing is by far the most time-consuming type of service the Club provides, towing operations may be temporarily suspended to avoid excessive delays to members waiting for other services. During such times, the Club tries to give priority to members stranded away from shelter. When such conditions exist, we ask you to please be patient of course you can seek help from any nearby station. Emergency Repair Check Guarantee The Club guarantees your personal check drawn for an amount not over $250, given as payment to any AAA contracted service provider for roadside assistance or repairs that are required as a result of the breakdown of the car you were driving. If the bank dishonors your check, the Club will reimburse the service provider and will attempt to collect from you. If you fail to make good on such a loss, collection procedures will be instituted and your membership may be subject to non-renewal or cancellation. 8

12 AAA Plus and AAA Premier AAA Plus, AAA Plus RV, AAA Premier and AAA Premier RV are enhanced membership levels available at an additional cost. They expand on the benefits offered by the Classic membership. Extended benefits are effective seven days after the date of sale, if paid in full. AAA Plus AAA Plus provides all the benefits of the Classic membership, plus the following additional Roadside Assistance related benefits on your allowable calls. Towing to any destination within 100 driving miles of the breakdown on your allowable service calls. An additional truck and driver for one hour for the extrication of covered vehicles. Delivery of a limited amount of fuel free of charge. Up to $100 reimbursement for parts and labor of a locksmith, when required. If the AAA Plus member elects to have his or her car towed back to the servicing contract station after a breakdown and that station is unable to make the necessary repair or the member chooses not to have the car repaired by the contractor, the member is entitled to a tow to another service facility within the towing benefit limits provided by the membership. AAA Premier AAA Premier provides all the benefits as AAA Plus, plus the following additional Roadside Assistance related benefits. AAA Premier extends the towing benefit to any destination within 200 driving miles of the breakdown on one of your four allowable service calls per member per year. The remaining service calls may be used for tows of up to 100 driving miles. Up to $150 reimbursement for parts and labor of a locksmith when required. AAA Plus RV and Premier RV Services AAA Plus RV and AAA Premier RV are enhanced membership levels available at an additional cost. They expand on the benefits offered by AAA Plus and AAA Premier respectively by extending Roadside Assistance to Recreational Vehicles (RVs). Covered RVs include motor homes, pickup trucks with campers, travel trailers (including fifth-wheel travel trailers), camping trailers, motorcycles, motorcycle and snowmobile trailers and boat trailers. Coverage is not provided for horse/livestock trailers, for utility trailers, for boat trailers in water, or other trailers not containing living accommodations or not carrying a boat, motorcycle, or snowmobile. A seven-day wait period exists from the date of sale prior to use of the extended benefits. For AAA Premier RV members, one of the four allowable service calls can be a tow of up to 200 driving miles for a Recreational Vehicle, but will be limited to one per household per year. Whatever type of truck or special equipment is required to safely provide covered services for eligible RVs will be used. In the event an RV is disabled while pulling a trailer covered by the rules, including fifth wheel trailers, a tow will be provided to the disabled vehicle and the trailer. Car haulers/dollies are not a covered trailer. However, if the vehicle typically used by the member to pull an RV is a heavy duty vehicle (typically over 8600 GVW), and is NOT towing an RV trailer, then towing service would be at the member s expense if the vehicle cannot be safely towed with the equipment provided by the service provider. If the tire of an RV cannot be changed, or if the RV is a motorcycle, towing of the RV will be provided. 9

13 Automotive Services Battery Service AAA Battery Service is a mobile battery testing and replacement service. In areas where the service is available, a AAA Battery Service technician will test and assess the vehicle s battery and electrical system. If the existing battery fails the test and the member would like to have the battery replaced, the technician will install a new AAA battery, if available, that meets or exceeds the vehicle s original specifications. All AAA batteries come with a 72-month limited warranty with a 36-month free replacement period valid in the U.S. and Canada. Copies of the warranties are available from the technician at any time upon request. AAA Battery Service is generally provided by independent service providers and is only available in select areas, during select hours. Batteries and battery warranties are provided by independent suppliers. AAA Batteries are available for most makes and models and can be purchased at the scene of disablement. Membership Roadside Assistance terms and conditions apply. To find out if this service is available in your area, simply call AAA-HELP ( ), or use our online battery instant quote tool at AAA.com. CarFax Order a CarFax Vehicle History Report to help protect against buying a used car with costly, hidden problems. CarFax searches a nationwide database and provides a detailed report that helps you identify odometer fraud and avoid buying a used car with reported accident or flood damage. Classic and AAA Plus members are entitled to a 20 percent discount off the retail price when purchasing CARFAX Vehicle History Reports online at AAA.com. Every AAA Premier member is entitled to one (1) free CARFAX Vehicle History Report per member per membership year. The free report must be ordered by telephone by calling the Premier Member Services number listed on the back of the membership card. Subsequent reports are available at a 40 percent discount off the retail price for AAA Premier members when purchased online at AAA.com. For more details, or to order your report, visit our web site at AAA.com, or call , ext Approved Auto Repair AAA members are guaranteed quality auto care service by facilities that have passed stringent AAA standards and display the AAA Approved Auto Repair sign. AAA continuously monitors the performance of qualified facilities, making sure that standards are maintained. Show your AAA Membership card at any Approved Auto Repair facility before any work is done and receive the following benefits: 1. Dispute Resolution AAR facilities have agreed, by contract, to accept AAA as an independent and final authority in the unlikely event a member has a dispute with an AAR facility over repairs involving a member s car. Members are not bound by AAA s decision and may seek other recourse. 2. Free Maintenance Inspection Members can get a free 40-point maintenance inspection, including a comprehensive battery test and brake inspection, with any paid service. 3. Warranty All repairs are guaranteed by the facility for 24 months or 24,000 miles, whichever occurs first, under normal operating conditions, unless otherwise stated in writing. Other restrictions may apply. See facility for details. 10

14 4. Savings Upon requesting the discount, members save 10% (up to $50) on regularly priced parts and labor. Cannot be combined with any other discount or coupon. A valid AAA membership card must be presented at time of service. To find an Approved Auto Repair facility visit our web site at AAA.com/repair, or call , ext Vehicle Identification Number (VIN) Etching Etching the VIN on a vehicle s windshield and other glass is a significant vehicle theft deterrent. Thieves will usually pass them up in favor of an un-etched auto. The Automobile Club Inter-Insurance Exchange offers a 5% discount off comprehensive coverage on VIN-etched vehicles. For VIN-etching locations or to schedule an appointment, call , ext AAA Car Buying Service The free AAA Car Buying Service * provides an easy-to-use, no-hassle car buying experience. Choose from a network of certified dealers to purchase your next new or pre-owned vehicle. The AAA Car Buying Service allows you to research vehicles, obtain average price paid by others, view Estimated Dealer Prices for AAA Members, receive a Guaranteed Savings Certificate (new cars) or Used Vehicle Certificate, and find a dealer in your area ready to provide a no-hassle car buying experience. ** To access the AAA Car Buying service, visit AAA.com/Auto or call * AAA Car Buying Service is managed by TrueCar, Inc. Available for select makes and models and in select areas. Limited supply and special edition vehicles may be excluded. Other restrictions may apply. See certified dealer for details. Not all dealers participate in the Car Buying Service program and dealers may be subject to change at any time without notice. ** Estimated Dealer Price is an estimate of the pricing from certified dealers in your local area based on your selected vehicle as configured with your preferred options and colors. The Guaranteed Savings Certificate shows the Estimated Dealer Price and Guaranteed Savings off MSRP for your selected vehicle. With Guaranteed Savings, the selected certified dealer guarantees, on in-stock vehicles, that you will receive at least a certain, stated minimum savings amount off the base Manufacturer¹s Suggested Retail Price (MSRP), including any vehicle specific manufacturer incentives currently available. Because the vehicle with the exact color and options you selected may not be in stock, your actual price and savings may differ. Used Vehicle Certificate shows the certified dealer s list price. Certain terms, conditions and restrictions apply. Exclusive Premier Membership Benefits AAA Premier members have access to the highest level of value-added member services and benefits. Reduced Airline and Rail Service Fees For airline and rail reservations, visit a AAA Travel location. We ll be happy to make all the arrangements for you. As a AAA Premier member, you can take advantage of reduced airline and rail ticket service fees, a $20 value. Identity Theft Insurance With this benefit, your Experian credit report is monitored daily. Plus you ll receive free alerts, if key changes are detected on your credit report, free fraud resolution support and Lost Wallet Protection. AAA Premier Members also receive $10,000 in Identity Theft Insurance. There no hidden charges or fees to receive this FREE member benefit, but requires enrollment. Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. For details visit AAA.com/Safeguard 11

15 Home Lockout Service AAA Premier provides for up to $100 reimbursement in commercial locksmith costs for home lockout service. Covered locksmith services are limited to the cost of re-keying, changing locks, or making a new key in order to gain entry to the home from outside, or if the keys are lost or stolen. Any charges in excess of $100, as well as all charges associated with any other residential locksmith services, are at the member s expense. Home lockout service is limited to one usage per AAA Premier household per membership year, but is not counted as one of the four allowable Roadside Assistance Service requests. Home lockout service is reserved for a AAA Premier member s primary residence within the area served by AAA Missouri only and excludes all other buildings or locked areas. Home lockout service is not transferable to any other person. The AAA Premier member must be present and have photo identification and proof of residence. In the case of rental property, approval of the property owner may be required. See the Reimbursements section for additional information on obtaining reimbursement for home lockout service. One Day Complimentary Car Rental If your vehicle is towed by AAA Missouri in your home club territory and you are stranded without transportation, just ask us for help! We ll arrange a standard class rental car for one day at no charge from a AAA preferred rental car provider. (Rental cars are subject to availability.) With AAA Premier, each cardholder is entitled to a one-day standard class rental car per membership year, when the tow is one of the four allowable Roadside Assistance calls. Service must be provided by the preferred rental car provider and arranged through AAA. The AAA Premier member has up to 48 hours from the time of the tow to call AAA and request the one-day complimentary rental car. AAA Premier members are responsible for subsequent days rental charges, one way rental fees, upgrades, vehicle insurance, mileage and fuel charges, and any other charges, fees and taxes. Normal rental qualifications, including age restrictions, and other restrictions apply. If a AAA Premier member is at least 100 driving miles away from their primary residence at the point of the tow, and needs to use their complimentary rental car benefit, the member may be able to take advantage of their Trip Interruption benefit (administered by Allianz Global Assistance). Trip Interruption & Vehicle Return Coverage If you are a AAA Premier member, are at least 100 driving miles from home, and your trip is delayed due to an accident, mechanical breakdown, car theft, unexpected illness or injury, natural disaster or severe weather, you can be reimbursed up to $1,500 for covered out-of-pocket expenses, including meals and accommodations; and/or for substitute transportation to continue your trip. And, AAA Premier members can be reimbursed up to $500 to help you get your car back home if an unexpected illness or injury prevents you from completing your trip. Exclusions, conditions and limitations may apply. See AAA Premier Trip Interruption & Vehicle Return Section for complete details. Ride Assist If a AAA Premier member is involved in an accident or a breakdown, a AAA representative can help you make rental car and other transportation reservations. Accident Assist As a AAA Premier member, at the time of an accident or breakdown, when you call for Roadside Assistance, a AAA representative can help you contact family members, locate restaurants and find hotel accommodations if you are out of town. 12

16 Route Assist If a AAA Premier member should get lost on the road within the United States, call us for directions. Travel Assistance AAA Premier members can receive Global Travel Emergency Assistance and Concierge Services 24 hours a day, 7 days a week in the United States or internationally when they are on planned leisure trips 100 miles or more from the AAA Premier member s primary residence which include at least one overnight stay and are not more than 45 days in duration. These services are available to AAA Premier members and their spouses and unmarried dependent children age 24 or under who are traveling with the AAA Premier member. 24-Hour Global Travel Emergency Assistance* for AAA Premier members includes: Medical provider referrals, appointments and admission arrangements Emergency translation service arrangements Lost tickets and document replacement arrangements Prescription replacement arrangements Emergency medical transportation arrangements Emergency medical visitation arrangements Emergency cash transfer arrangements Emergency message center service Concierge Services* for AAA Premier members include: Theater, sporting event and other entertainment ticketing/ reservations Golf tee times and reservations (reservations subject to availability) Limousine and car service information and reservations Shopping and health club referrals and information Exhibition, shows and festival information Messenger service referral and arrangements Gift basket and floral delivery arrangements ATM location information Weather forecast information The member must purchase AAA Premier service prior to travel departure date in order to use these services. AAA Premier membership benefits include these services, which are service benefits and not financial benefits. Any costs associated with these services are paid by the member. *Allianz Global Assistance is the administrator for this plan. Certain restrictions and limitations apply. Benefits and service provider are subject to change without notice. Automotive Information Service If you have a concern about the performance of your car, you can take your questions straight to our experts. As a AAA Premier member, you can receive free advice on vehicle problems and repairs. This service is available Mon-Fri., 8:30 a.m. to 5:00 p.m. 13

17 AAA Premier Trip Interruption & Vehicle Return Terms & Conditions The AAA Premier Trip Interruption and Vehicle Return group insurance benefits are provided to all AAA Premier members as long as the Master Policy with BCS Insurance Company remains in force. These benefits are subject to the following conditions and exclusions: Definitions AAA Premier Member means an Automobile Club of Missouri AAA Premier member, AAA Premier adult associate or AAA Premier dependent associate in good standing. Accident means an unexpected, unintended, unforeseeable event causing Injury or property damage. Accommodations means temporary lodging in an establishment licensed to provide temporary lodging to paying guests. Covered Person means a AAA Premier member whose Primary Residence is in the United States and his or her Immediate Family Members traveling in the same Vehicle during Covered Travel. Covered Travel means a planned leisure automobile trip in the Covered Person s Vehicle which has taken the Covered Person at least one hundred (100) driving miles from his or her Primary Residence when the incident occurs, which was intended to include at least one overnight stay within the United States or Canada; and which does not exceed, and was not planned to exceed, forty-five (45) consecutive days. Please note: the Covered Person must be at least 100 driving miles from the AAA Premier Member s Primary Residence when the incident occurs in order to be eligible for the benefits. Illness means a sickness, infirmity or disease that causes a loss that begins during Covered Travel. Immediate Family Member means the AAA Premier Member s spouse and/or unmarried dependent children age 21 or under, including stepchildren and legally adopted children. A grandparent traveling with his or her grandchild who is a AAA Premier dependent associate is also considered an Immediate Family Member. Injury means bodily injury caused by an Accident, directly or independently of all other causes and sustained during Covered Travel. Benefits for Injury will not be paid for any loss caused by sickness or other bodily diseases or infirmity. Physician means a person who is licensed and legally entitled to practice medicine and who is not a Covered Person or an Immediate Family Member of, nor related to, a Covered Person. Primary Residence means the AAA Premier Member s billing address which is recognized by Automobile Club of Missouri, and which must be in the United States. Substitute Transportation means any form of common carrier transportation (i.e., licensed for the transportation of fare-paying passengers, with the exclusion of taxis and limousines) and/or a rental car of equal or lesser value to the Vehicle. Expensive or exotic automobiles are excluded under this definition. Vehicle means any two-axle motor vehicle designated for private use for travel on paved public roads in which the Covered Person is either driving or riding as a passenger. Moving vans are excluded. We, Us, or Our refers to BCS Insurance Company and its agents. 14

18 Trip Interruption Coverage* What is Covered Covered Persons on Covered Travel are reimbursed up to $1,500 per trip for out-of-pocket expenses for the cost of reasonable additional Accommodations and meal expenses and/or for the cost of Substitute Transportation to continue the trip, incurred as a result of overnight covered delay. Only expenses for the first 96 hours from the initial delay are eligible for coverage. The coverage only extends to Covered Travel in the United States and Canada. The covered reasons for delay are: 1. Vehicle disablement due to mechanical failure (excluding tire trouble) or an Accident that renders the Vehicle inoperable at least overnight; 2. Theft of a Vehicle; 3. Unexpected Illness or Injury requiring the Covered Person to receive treatment by a Physician who advises delay of the trip; 4. Natural disasters; 5. Severe storms or unusual weather phenomena validated by National Weather Service records What is Not Covered Benefits are not payable for travel which does not meet the definition of Covered Travel, and for any loss, injury, illness, delays and/or expenses due to: 1. War (whether declared or undeclared), acts of war, military duty, or hostilities of any kind (for example, invasion, rebellion, riots, or insurrections); 2. Tire trouble; 3. Intentionally self-inflicted harm, including suicide; 4. Normal pregnancy or childbirth; 5. Mental or nervous health disorders; 6. Alcohol or substance abuse, or related illnesses; 7. An Accident occurring when the Vehicle is being driven by an unlicensed driver or a driver who is not a Covered Person; 8. Personal property which is damaged or destroyed; 9. Any liability for injuries or property damage; 10. The commission or attempted commission of an illegal act; 11. The cost of repairs to the Vehicle; 12. Cost of fuel expenses; 13. Air and/or sea travel; 14. Carrier-caused delays; 15. Participation in professional athletic events or motor competition (including training); 16. The cost of meals, Accommodations and Substitute Transportation resulting from delays caused by routine maintenance or minor repairs to the Vehicle In cases where the Covered Person rents a Vehicle for Covered Travel and the Vehicle is disabled or stolen, the Covered Person must make immediate contact with the rental company after the disablement or theft occurs to arrange replacement of the Vehicle. If such contact is not attempted, the Covered Person will not be reimbursed for any expenses incurred as a result of the delay. Rental car expenses incurred by the Covered Person to continue the trip will be reimbursed only if the Covered Person rents a vehicle of 15

19 comparable or lesser class. Rentals of expensive or exotic automobiles are excluded. Examples of such automobiles include Aston-Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati and Rolls-Royce. Substitute Transportation expenses on common carrier transportation will be reimbursed for economy fare only. Trip Interruption coverage is in excess of other insurance or indemnity covering the losses covered under this program. Expenses after 96 hours from the initial delay are not covered. Vehicle Return Coverage* What is Covered Covered Persons on Covered Travel are reimbursed up to $500 for transportation of the Vehicle back to the Covered Person s Primary Residence when an unexpected Illness or Injury prevents completion of the Covered Travel. Unexpected Illness or Injury must require the Covered Person to receive treatment by a Physician who advises that Covered Travel cannot be completed. The Vehicle must be operable. Transportation must be performed by an accredited professional transport company. What is Not Covered In addition to the exclusions listed under Trip Interruption Coverage, Vehicle Return benefits will not be payable if the Vehicle is a rental vehicle or a Vehicle with an original lease term of less than one year OR if the transportation of the Vehicle could have been performed by a Covered Person or by a traveling companion of a Covered Person. Vehicle Return coverage is in excess of other insurance or indemnity covering the losses covered under this program. Expenses after 96 hours from the initial delay are not covered. General Program Provisions This guide to benefits is not a policy or contract of insurance, but is your most complete source of information. Please be sure to keep it in a safe place. All information in this document is subject to the terms and conditions of the Master Policy, a copy of which is in the possession of the Automobile Club of Missouri. The terms and conditions of the Master Policy agree with the terms outlined in this guide to coverage. However, features and benefits are subject to change without notice. The Covered Person agrees to use diligence in doing all things reasonably prudent to avoid or diminish any loss. Allianz Global Assistance will not unreasonably apply this provision to avoid claims hereunder. How to File a Claim Please gather the information below if you have a covered loss during your Covered Travel as it will be requested when you file a claim upon returning home. All claims must be reported to Allianz Global Assistance within 60 days from the date of loss or as soon after that date as is reasonably possible. Once you report a claim, the Service Associate will set up a claim file for you and send you a claim form. You must send written proof of loss, including any required information necessary to support the claim, to Allianz Global Assistance within 90 days from the date of loss, or as soon after that date as reasonably possible, and in no event, except in the absence of legal capacity, later than one year from the time proof is otherwise required. * Insurance coverage is underwritten by BCS Insurance Company under a Form No B. Allianz Global Assistance is the licensed producer and administrator for this plan. 16

20 General Documentation 1. Receipts and itemized bills for all expenses (such as itemized food and lodging receipts) 2. Evidence of accident/theft (i.e. official police report) 3. Copy of payment for automobile repairs 4. Rental car receipts 5. Common carrier receipts 6. Copy of invoice from accredited professional transport company (Vehicle Return Benefit) If you have a question or need to file a claim, please contact Allianz Global Assistance at The Allianz Global Assistance will confirm your request and provide you with assistance. 17