Supplement to the Guide to Benefits Executive Business Credit Card Only Policy Language Changes for 2016 Renewal

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1 Supplement to the Guide to Benefits Executive Business Credit Card Only Policy Language Changes for 2016 Renewal MasterCard Business Executive Credit Card Program

2 Supplement Guide to Benefits Important information: Please read and save, this document contains changes to your MasterCard benefits. The information contained herein is provided solely for general informational purposes. It does not intend to be a complete description of all terms, conditions, limitations, exclusions, or other provisions of any program or insurance benefits provided by, or for, or issued to MasterCard. Selection of benefits on your MasterCard card may vary by card issuer. Please refer to your issuing financial institution for more details. General changes to all insurance programs (where applicable) The following definitions provide detailed information about General Terms and Definitions changes to your MasterCard Business Executive Credit Card Program which you can access as an eligible preferred Cardholder. AIG (The Company): means the Company underwriting the Insurance Coverage. Cardholder: Means a person who has an eligible Account whose name is on the surface (embossed or other) of an eligible MasterCard card provided by an Issuer in the Issuing Territory. Eligible Account: A MasterCard Cardholder who has an International use MasterCard card in his or her name which is issued by a MasterCard Issuer located and doing business in the Issuing Territory. Issuer: means a bank, financial institution (or like entity) or Corporation and/or Government Institution (CGI) that is admitted or and/or authorized by MasterCard to operate a MasterCard card program in the Issuing Territory. Issuing Territories: means Latin America and Caribbean Region territories where products are filed and/or filing is in process but regulator has approved benefit for sale, which includes but is not limited to: Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Bermuda, Brazil, Cayman Islands, Chile, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Grenada, Guatemala, Haiti, Honduras, Jamaica, México, Netherlands Antilles, Panamá, Perú, Puerto Rico, St. Kitts-Nevis & Anguilla, St. Maarten, Trinidad & Tobago, U.S. Virgin Islands, Uruguay, and Venezuela. NOTE: Some coverages are subject to filing and/or registration in some Issuing Territories. Policy: means a contract of insurance and any attached endorsements or riders issued by an authorized and licensed insurance company, AIG Insurance Company or its affiliates, to MasterCard to provide coverage in relation to the benefits that are offered to the MasterCard Program Cardholders whose issuers are located and do business in the Issuing Territories.

3 Rewards Program: means a program developed/offered by MasterCard and Issuer, allowing cardholders to earn value (mileage points, cash, etc.) and redeem rewards (merchandise, travel, etc.) on an eligible MasterCard card. An eligible Rewards Program must be a consequence of plastic /card transactions associated with MasterCard, regardless of the value earned (mileage points, cash, etc.). Rewards programs where points are not generated by plastic /card transactions, or not associated with MasterCard at all, are not considered eligible Rewards Programs. For a Cardholder to be eligible for coverage, he/she must pay all associated taxes, shipping and handling fees and any other required fees with his/her eligible MasterCard card or eligible MasterCard reward points. MASTER RENTAL Collision Damage Waiver Definition Changes to Master Rental Coverage 1. New Definition Account: Account: means an eligible MasterCard International-use Cardholder that is open and in good standing (not cancelled, suspended or delinquent) at the time of loss. 2. Revised Definition Market Value: Market Value: means a) the amount that a seller may expect to obtain for merchandise, services or securities in the open market; b) the price for which something would sell based on what they would sell for under current market conditions; c) the price of destroyed or damaged stock or goods. 3. Revised Definition Rental Company: Rental Company (or Car Rental Company ): means any commercial vehicle licensed rental agency which rents Rental Cars. LENGTH AND SCOPE OF COVERAGE YOU RECEIVE has been modified as follows: You may have difficulty utilizing the benefits of Master Rental in Australia, Ireland, Israel, Italy, Jamaica and New Zealand. Please contact your Rental Company before making your arrangements- Is replaced as follows: Cardholder may have difficulty utilizing the benefits of Master Rental in some countries or with some rental agencies. Cardholder should contact the Rental Company before making arrangements. What is not covered (Exclusions) has been expanded to include:

4 AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. HOW TO FILE A CLAIM SECTION has been modified as follows for Master Rental Required Information (proof of loss): g) Cardholder s monthly statement of account showing the account is open and in good standing at the time of filling the claim- is replaced as follows: g) The cardholder statement of account evidencing the eligibility of the account. MASTER TRAVEL INSURANCE Common Carrier Conveyance Insured Journey 24 Hours Definition Changes to Master Travel Coverage 1. New Definition Accidental Death Accidental Death: means, death due to unintentional, violent and external injury. The Company will pay the maximum Sum Insured applicable if an Injury to an Insured Person results in the Loss of life. The Loss must occur within the 365 Days from the date of the Accident or occurrence, which caused such injury. 2. Definition of Account has been further defined: Account: means and eligible MasterCard International-use Cardholder account that is open and in good standing (not cancelled, suspended or delinquent) at the time of common carrier ticket purchase. 3. Definition of Common Carrier Conveyance added Conveyance and added valid and in good standing: Common Carrier Conveyance: means any land, water or air conveyance operated under a valid and in good standing license for the transportation of passengers for hire for which a ticket has been obtained. 4. Additional verbiage added to Covered Trip: Covered Trip: means a trip where (a) the Insured Person s Common Carrier fare/ticket has been charged in full to an eligible Account, credit or debit transactions, or (b) purchased

5 with an eligible card, credit or debit transactions, that received mileage points, and other similar discounts from reward programs for travel issued by MasterCard or a MasterCard International Issuer, or (c) both point (a) and (b) of this definition by an Insured Person on behalf of another Insured Person. Additionally, if the above definition has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum Sum Insured benefit amount will be based on the eligible Class Type (as Card Type) for the original passenger fare purchase and this will be the only benefit amount applicable. Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable. 5. New Definition - Dismemberment: Dismemberment (including Loss of sight, speech, hearing or paralysis): The Company will pay a percentage of the maximum Sum Insured if an Injury to the Insured Person results in one of the Losses shown in the table of Losses. The Loss must occur within the 365 days from the date of the Accident which caused the injury. In the event an insured person suffers more than one Loss (Paralysis or Dismemberment) as a result of any one Accident, only one benefit amount, the largest, will be paid. MASTER TRAVEL INSURANCE has been modified as follows: MasterCard Business Executive Card cardholders, their Spouse, and dependent children can benefit from comprehensive travel accident insurance coverage offered through Master Travel- Is replaced as follows: MasterCard Business Executive Card cardholders can benefit from comprehensive travel accident insurance coverage offered through Master Travel WHO IS COVERED has been modified as follows: MasterCard Business Executive Cards cardholders, the cardholder s Spouse and dependent Children whether traveling together or separately Is replaced as Follows MasterCard Business Executive Card cardholders Only.

6 What Are the Benefits Common Carrier Travel Accident has been modified as follows In the event of an accidental death while on a covered Trip, you can receive the maximum Principal Benefit Amount. For a covered Loss with Common Carrier Travel Accident Only, benefits are provided as a percentage of the maximum Principal Benefit per the following Schedule of Losses: Schedule of Losses For Loss of: Two Members One Member Thumb and Index Finger of Same Hand Quadriplegia (Paralysis) Paraplegia (Paralysis) Hemiplegia (Paralysis) Uniplegia (Paralysis) Percentage of Principal Sum Insured 100% 50% 50% 100% 75% 50% 25% What is not covered (Exclusions) has been expanded to include: AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. How to file a claim section has been modified as follows for MASTER TRAVEL INSURANCE Submission Period: No later than ninety (90) days from the date of Claim Notification. Required Information (proof of loss)has been modified as follows: c) Cardholder s statement of account showing the account is open and in good standing at the time of filling the claim- is replaced as follows: c) The cardholder statement of account evidencing the eligibility of the account. MASTER ASSIST PLUS

7 Medical Definition Changes to Master Assist Coverage 1. Definition of Account has been further defined by footnote: Account: means and eligible MasterCard International-use Cardholder that is open and in good standing (not cancelled, suspended or delinquent) at the time of Purchase of Common Carrier Ticket. 2. Definition of Common Carrier Conveyance added Conveyance and added valid and in good standing: Common Carrier Conveyance: means any land, water or air conveyance operated under a valid and in good standing license for the transportation of passengers for hire for which a ticket has been obtained. 3. Additional verbiage added to Covered Trip: Covered Trip: means a trip where (a) the Insured Person s Common Carrier fare/ticket has been charged in full to an eligible Account, credit or debit transactions, or (b) purchased with an eligible card, credit or debit transactions, that received mileage points, and other similar discounts from reward programs for travel issued by MasterCard or a MasterCard International Issuer, or (c) both point (a) and (b) of this definition by an Insured Person on behalf of another Insured Person. Additionally, if the above definition has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum Sum Insured benefit amount will be based on the eligible Class Type (as Card Type) for the original passenger fare purchase and this will be the only benefit amount applicable. Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable. 4. Additional Verbiage Added to Dependent Children to include Disabled Children: Dependent Children: means named dependent child(ren), including adopted, step and foster and children of the Cardholder, aged between birth and 18 years; or 25 years if attending as a full time student at an accredited institution of higher learning, who are unmarried and permanently reside with the Cardholder and receive the majority of maintenance and support from the Insured Person. Children who are wholly dependent on the Insured Person for support and maintenance due to permanent physical or mental disability will be considered dependents of the Insured Person, if the insured person is eligible for benefits. To verify eligibility for the physically or mentally disabled dependent child(ren), the Cardholder may be requested to provide medical records for the physically or mentally disabled dependent child(ren).

8 5. Broadened Definition of Domestic Partner: Domestic Partner: means an opposite or a same sex partner who has met all of the following requirements for at least 12 months: (1) resides with the Insured Person at Insured Person s principal residence; (2) shares financial assets and obligations with the Insured Person; (3) is not related by blood to the Insured Person to a degree of closeness that would prohibit a legal marriage; (4) is at least the age of consent in the state in which they reside; and (5) neither the Insured Person or Domestic Partner is married to anyone else, nor has any other Domestic Partner.. 7. New Definition Member: Member: means, with regards to a Loss, one hand; one foot; sight of one eye; speech; or hearing in both ears. 9. Revised Definition Rewards Program: Rewards Program: means a program developed/offered by MasterCard and Issuer, allowing cardholders to earn value (mileage points, cash, etc.) and redeem rewards (merchandise, travel, etc.) on an eligible MasterCard card. An eligible Rewards Program must a consequence of plastic /card transactions associate with MasterCard, regardless of the value earned (mileage points, cash, etc.). Rewards programs where pointes are not generated by plastic /card transactions, or not associated with a MasterCard at all, are not considered eligible Rewards Programs. For a Cardholder to be eligible for coverage, he/she must pay all associated taxes, shipping and handling fees and any other required fees with his/her eligible MasterCard card. 10. New Definition Traveling Companion: Traveling Companion: means the person(s) traveling with the eligible Cardholder on the same schedule. What is not covered by Medical Expenses (Exclusions) has been modified as follows: 12. Pregnancy: sickness or injury related to pregnancy will not be covered if the sickness or injury occurs within 3 months of the expected (or actual) delivery date (three months before / three months after); What is not covered by MASTER ASSIST PLUS (General Exclusions) has been expanded to include: 11. AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its

9 parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. How to file a claim section has been modified as follows for MASTER ASSIST PLUS: Submission Period: No later than ninety (90) days from the date of Claim Notification. ATM Protection: Definition Added to ATM Protection Definition of Account has been further defined: Account: means and eligible MasterCard International-use Cardholder account that is open and in good standing (not cancelled, suspended or delinquent) at the time of loss. CONDITIONS/LIMITATIONS HAVE BEEN MODIFIED AS FOLLOWS: In the event of a claim, notice must be provided to the Insurance Company within 90 days of the date of incident. Failure to give notice within ninety (90) days from the date of the incident may result in a denial of the claim (please refer to the section, How to File a Claim.) WHAT IS NOT COVERED by ATM Protection (Exclusions) has been expanded to include: AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. DEFINITIONS-ATM PROTECTION have been modified as follows: Loss with regards to ATM Protection means a Death caused by murder during an Assault within 2 hours of completing an ATM transaction with a covered card. Is replaced as follows: Loss means Robbery with violence / assault of cash withdrawn from an ATM or/and Death caused by murder during an Assault within 2 hours of doing an ATM transaction with a covered card. HOW TO FILE A CLAIM section has been modified as follows for ATM Protection: Claim Notification Period: Within ninety (90) days from the date of incident or discovery.

10 A new document has been added for Required Information (proof of loss): d) The Cardholder s statement of Account evidencing the eligibility of the Account. HOW TO FILE A CLAIM section has been modified as follows for ATM Protection, Master Rental, Master Travel Insurance and Master Assist Plus as follows: A new method to upload required information has been added: Submit all required information as outlined above by either: 1. Upload: Fax: Mail: MasterCard Benefits Assistance Center c/o Program Administrator at Sedgwick Claims Management Services, Inc. PO Box Cleveland, OH, Payment of claim has been modified as follows: Where allowable by law, Benefit for Loss of Life is payable to the beneficiary designated by the Insured Person; if there has been no such designation, then to the Insured Person s first surviving beneficiary as follows: a) Spouse/Domestic Partner; or b) children, in equal shares; or c) parents, in equal shares; or d) brothers and sisters, in equal shares; or e) executor or administrator Subject to all applicable terms and conditions, all benefits will be paid to the Insured Person. Payment of any indemnity shall be subject to the laws and governmental regulations then in effect in the country of payment. IMPORTANT This summary of benefits is presented as general reference only. Please contact your card issuing bank to verify the benefits applicable to your card since some of them may not apply to every country due to compliance with local regulations.

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