AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE CERTIFICATE OF INSURANCE INTRODUCTION HOW TO OBTAIN ASSISTANCE

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1 WESTJET RBC WORLD MASTERCARD AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate f Insurance is a valuable surce f infrmatin and cntains prvisins that may limit r exclude cverage. Please read this Certificate f Insurance, keep it in a safe place and carry it with yu when yu travel. INTRODUCTION RBC General Insurance Cmpany (referred t in this Certificate as the Insurer ) has issued grup insurance plicy F A t Ryal Bank f Canada ( Ryal Bank ) t cver expenses related t Aut Rental Cllisin/Lss r Damage. All cvered persns are clients f the Insurer. HOW TO OBTAIN ASSISTANCE If yu require assistance r have questins abut yur cverage, call: tll-free frm the US & Canada, r cllect frm anywhere in the wrld. HELPFUL INFORMATION ABOUT AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE This Certificate f Insurance des nt cver third party liability cverage. Check with yur persnal autmbile insurer and the rental agency t ensure that yu and all ther drivers have adequate third party liability, persnal injury and damage t prperty cverage. This insurance is effective when the full cst f yur rental vehicle issued by a rental agency is paid with yur WestJet RBC Wrld MasterCard card and/r WestJet dllars. If nly a partial payment is made using WestJet dllars, the entire balance f that rental vehicle must be paid using yur WestJet RBC Wrld MasterCard card in rder t be cvered. The length f time yu rent the same vehicle must nt exceed frty-eight (48) cnsecutive days, which shall fllw ne immediately after the ther. In rder t break the cnsecutive day cycle, a full calendar date must exist between rental perids. Cverage may nt be extended fr mre than frty-eight (48) cnsecutive days by renewing r taking ut a new rental agreement with the same r anther rental agency fr the same vehicle r anther vehicle. If the cvered persn des nt decline the rental agency s CDW ptin r its equivalent, this Certificate f Insurance is secndary cverage and will cver the deductible amunt in the event f a claim. WestJet RBC Wrld MasterCard

2 Mst vehicles are cvered by this Certificate f Insurance, but there are sme exclusins. (A list f vehicles excluded frm this cverage is utlined in the sectin What is nt cvered? ). Cverage is available except where prhibited by law. Check the rental vehicle carefully fr scratches r dents befre and after yu drive the vehicle. Be sure t pint ut where the scratches r dents are lcated t a rental agency representative. If the vehicle has sustained damage f any kind, call (in Canada r the United States) r (905) (cllect) immediately. D nt sign a blank sales draft t cver the damage and lss f use charges r a sales draft with an estimated cst f repair and lss f use charges. The rental agent may make a claim n yur behalf t recver repair and lss f use charges by fllwing the prcedures utlined in the sectin What shuld yu d if yu have a claim? Claims must be reprted within frty-eight (48) hurs f the lss/damage ccurring by calling (when in Canada r the United States) r (905) (cllect). It is imprtant that yu read and understand yur Certificate f Insurance as yur cverage is subject t certain limitatins r exclusins. DEFINITIONS Thrughut this dcument, all italicized terms have the specific meaning explained belw. Additinal cardhlder means a c-applicant r an authrized user. Applicant means a persn wh has signed and/r submitted an applicatin as the primary cardhlder fr the WestJet RBC Wrld MasterCard card, t whm a card has been issued and in whse name the card accunt is established. An applicant des nt include an additinal cardhlder. An applicant must be a permanent resident f Canada. Authrized user means a persn, ther than the applicant and the c-applicant, t whm the WestJet RBC Wrld MasterCard card has been issued at the request f the applicant r the c-applicant. Car sharing means a car rental club that gives its members twenty-fur (24)-hur access t a fleet f cars parked in a cnvenient lcatin. C-applicant means a persn wh has signed and/r submitted an applicatin fr the WestJet RBC Wrld MasterCard card as the c-applicant, and t whm a card has been issued. A c-applicant must be a permanent resident f Canada. WestJet RBC Wrld MasterCard

3 Cvered persn means: 1. The applicant r additinal cardhlder, wh presents in persn at the rental agency, signs the rental cntract and takes pssessin f the rental vehicle. A cvered persn may be referred t as "yu" r "yur" r "yurself. 2. Any ther persn wh drives the same rental vehicle with yur permissin whether r nt such persn has been listed n the rental vehicle cntract r has been identified t the rental agency at the time f making the rental. Hwever, yu and all drivers must therwise qualify under and fllw the terms f the rental cntract and must be legally licensed and permitted t drive the rental vehicle under the laws f the jurisdictin in which the rental vehicle shall be used. Lss f use means the amunt paid t a rental agency t cmpensate it when a rental vehicle is unavailable fr rental while underging repairs fr damage incurred during the rental perid. Mini-van means a van made by an autmbile manufacturer and classified by the manufacturer r a gvernment authrity as a mini-van made t transprt a maximum f eight (8) peple including the driver and which are used exclusively fr the transprtatin f passengers and their luggage. Permanent resident means a persn wh resides in Canada fr at least six (6) mnths f the year. Hwever, individuals therwise eligible fr cverage wh are members f the Canadian Freign Service need nt satisfy this requirement. Rental agency (r rental agencies) means a vehicle rental agency licensed t rent vehicles and which prvides a rental agreement. Fr greater certainty, thrughut this Certificate f Insurance, the terms rental cmpany and rental agency refer t bth traditinal vehicle rental agencies and car sharing prgrams. Rental agency s CDW means an ptinal Cllisin Damage Waiver ( CDW ) r similar waiver ffered by rental cmpanies and rental agencies that relieves renters f financial respnsibility if the vehicle is damaged r stlen while under rental cntract. The rental agency s CDW is nt insurance. Tax-free car means a tax-free car package that prvides turists with a shrt-term (seventeen (17) days t six (6) mnths) tax-free vehicle lease agreement with a guaranteed buyback. The Insurer will nt prvide cverage fr tax-free cars. WHEN DOES COVERAGE BEGIN AND END? Upn taking pssessin f the rental vehicle, cverage begins when: 1. Yu use yur WestJet RBC Wrld MasterCard card and/r WestJet dllars t pay fr the entire cst f the rental frm a rental agency. If nly a partial payment is made using WestJet dllars, the entire balance f that rental must be paid using yur WestJet RBC Wrld MasterCard card in rder t be cvered. WestJet RBC Wrld MasterCard

4 2. Yu decline the rental agency's CDW ptin r similar cverage ffered by the rental agency n the rental cntract. If there is n space n the vehicle rental cntract fr yu t indicate that yu have declined the cverage, then indicate in writing n the cntract I decline CDW prvided by this merchant. (Nte: If yu decide t purchase the rental agency s CDW ptin r similar cverage, then this Certificate f Insurance will nly cver yur deductible in the event f a claim prvided all terms and cnditins f this cverage are met.) Cverage ends individually, fr each cvered persn, n the earliest f: 1. The date and time the rental agency reassumes cntrl f the rental vehicle; 2. The date upn which yur rental perid exceeds frty-eight (48) cnsecutive days r yur rental perid is extended fr mre than frty-eight (48) cnsecutive days by renewing r taking ut a new rental agreement with the same r anther rental agency fr the same vehicle r ther vehicles; 3. The date the grup insurance plicy is cancelled by the Insurer r Ryal Bank. Hwever, such cancellatin f cverage shall nt apply t travel arrangements charged t yur WestJet RBC Wrld MasterCard card prir t the cancellatin date f the grup insurance plicy; 4. The date yur WestJet RBC Wrld MasterCard accunt is sixty (60) days past due; 5. The date yur WestJet RBC Wrld MasterCard card is cancelled r card privileges are therwise terminated; 6. The date Ryal Bank receives written ntice frm yu that yu chse t cancel yur WestJet RBC Wrld MasterCard card. WHAT IS COVERED AND WHAT ARE THE BENEFITS? When yu pay fr the entire cst f the rental vehicle using yur WestJet RBC Wrld MasterCard card and/r WestJet dllars, this Certificate f Insurance cvers yu and/r a rental agency fr lss/damages up t the actual cash value f the damaged r stlen rental vehicle, as well as valid rental agency twing and lss f use charges when the cnditins described in this Certificate f Insurance are met. This insurance cverage is available n a twenty-fur (24)-hur basis unless precluded by law r the cverage is in vilatin f the terms f the rental cntract in the jurisdictin in which it was frmed (ther than under What is nt cvered? #8 (a), (b) r (c). This cverage is primary insurance, except in the fllwing circumstances: if the cvered persn decides t purchase the rental agency s CDW ptin r its equivalent; r in such circumstances where the applicable gvernment insurance legislatin states therwise. The fllwing types f rental vehicles are cvered: All cars, sprt utility vehicles, and mini-vans except thse listed in the sectin What is nt cvered? WestJet RBC Wrld MasterCard

5 Als, Rental vehicles that are part f prepaid travel packages are als cvered if the ttal package was paid by yur WestJet RBC Wrld MasterCard card and/r WestJet dllars; Yu are cvered if yu receive a free rental as a result f a prmtin where yu have had t make previus vehicle rentals and if each such previus rental was entirely paid fr with yur WestJet RBC Wrld MasterCard card and/r WestJet dllars. WHAT IS NOT COVERED? The Insurer will nt pay fr any expenses incurred directly r indirectly as a result f: 1. A replacement vehicle fr which yur persnal autmbile insurance is cvering all r part f the cst f the rental; 2. Third party liability (which means yu injure smene else r damage their prperty in a mtr vehicle accident); 3. Yur persnal injury; 4. Damage t prperty, (except the rental vehicle itself r its equipment); 5. The peratin f the rental vehicle at any time during which any cvered persn is driving while intxicated r under the influence f any narctic; 6. Any dishnest, fraudulent r criminal act cmmitted by any cvered persn; 7. Wear and tear, gradual deteriratin, r mechanical r electrical breakdwn r failure, inherent vice r damage, insects r vermin; 8. Operatin f the rental vehicle in vilatin f the terms f the rental agreement except: (a) cvered persns as defined, may perate the rental vehicle; (b) the rental vehicle may be driven n publicly maintained gravel rads; (c) the rental vehicle may be driven acrss prvincial and state bundaries in Canada and the U.S. and between Canada and the U.S. 9. Seizure r destructin under a quarantine r custms regulatins r cnfiscated by rder gvernment r public authrity; 10. Transprtatin f cntraband r illegal trade; 11. War, hstile r warlike actin, insurrectin, rebellin, revlutin, civil war, usurped pwer, r actin taken by gvernment r public authrity in hindering, cmbating r defending against such actin; 12. Transprtatin f prperty r passengers fr hire; 13. Nuclear reactin, nuclear radiatin, r radiactive cntaminatin; 14. Intentinal damage t the rental vehicle by a cvered persn; 15. Expenses due t diminished value f the rental vehicle. WestJet RBC Wrld MasterCard

6 The fllwing vehicles are NOT cvered: 1. Vans, carg vans r mini carg vans (ther than mini-vans); 2. Trucks, pick-up trucks r any vehicle that can be spntaneusly recnfigured int a pickup truck); 3. Limusines; 4. Off-rad vehicles - meaning any vehicle used n rads that are nt publicly maintained rads unless used t ingress and egress private prperty; 5. Mtrcycles, mpeds r mtr bikes; 6. Trailers, campers, recreatinal vehicles r vehicles nt licensed fr rad use; 7. Vehicles twing r prpelling trailers r any ther bject; 8. Mini-buses r buses; 9. Any vehicle with a Manufacturer s Suggested Retail Price (MSRP) excluding all taxes, ver $65,000 CDN, at the time and place f lss; 10. Extic vehicles, meaning vehicles such as Astn Martin, Bentley, Bricklin, Daimler, DeLrean, Excalibur, Ferrari, Jensen, Lambrghini, Ltus, Maserati, Prsche, Rlls Ryce; 11. Any vehicle which is either whlly r in part hand made, hand finished r has a limited prductin f under tw thusand, five hundred (2,500) vehicles per year; 12. Antique vehicles, meaning a vehicle ver twenty (20) years ld r which has nt been manufactured fr ten (10) years r mre; and 13. Tax-free cars. Luxury vehicles, including but nt limited t BMW, Cadillac, Lincln and Mercedes Benz, are cvered as lng as they meet the abve requirements. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? In the event f lss/damage t yur rental vehicle, call (tll-free) within frty-eight (48) hurs if yu are in Canada r the United States r (905) (cllect). The representative will answer yur questins and send yu a claim frm. Decide with the rental agent wh will make the claim. (Please nte: Yu must ntify the rental agency and btain cnsent prir t cmpleting any repairs n yur wn. If the rental agent decides t settle the claim directly, cmplete the accident reprt claim frm and assign the right fr the rental agency t make the claim n yur behalf n the claim frm r ther authrized frms. It is imprtant t nte that yu remain respnsible fr the lss/damage and that yu may be cntacted in the future t answer inquiries resulting frm the claims prcess. The rental agent may fax the required dcumentatin tll-free if they are in Canada r the United States t Elsewhere the fax number is (905) (cllect). Original dcumentatin may als be required in sme instances. (If yu have any questins, are having any difficulties, r wuld like the claims administratr t be invlved immediately, call the number prvided abve). WestJet RBC Wrld MasterCard

7 If yu will be making the claim, yu must call the claims administratr within frtyeight (48) hurs f the lss/damage having ccurred. Yur claim must be submitted with as much dcumentatin as pssible, as requested belw, within frty-five (45) days f discvering the lss/damage. Yu will need t prvide all dcumentatin within ninety (90) days f the date f lss r damage t the claims administratr at the address prvided belw. Fr yur claim t be reviewed, yu must submit the fllwing riginal dcumentatin, as applicable: the claim frm, cmpleted and signed; yur RBC MasterCard statement and/r receipt shwing that the rental was paid in full with yur WestJet RBC Wrld MasterCard card and/r WestJet dllars; a cpy f yur invice shwing all prepaid expenses (prepaid rental car payment); a cpy f yur receipt shwing amunt f WestJet dllars redeemed; a cpy f yur previus rental agreements resulting in a free rental; the riginal cpy f bth sides f the vehicle rental agreement; the accident r damage reprt, including phtgraphs f the damage; the itemized repair bill, r if nt available, a cpy f the estimate; receipt fr paid repairs; the plice reprt, when available; a cpy f yur billing r pre-billing statement if any repair charges were billed t yur accunt; and a cpy f yur paid statement r billing indicating the deductible amunt (if yu have purchased the rental agency s CDW r similar cverage). Frward this dcumentatin t: RBC General Insurance Cmpany Attentin: Claims PO Bx 6, Statin A Mississauga, ON L5A 2Y9 Under nrmal circumstances, the claim will be reviewed within fifteen (15) days after the claims administratr has received all necessary dcumentatin. If the claim cannt be assessed n the basis f the infrmatin that has been prvided, it may be clsed. After the Insurer has paid yur claim, yur rights and recveries will be transferred t the Insurer t the extent f the Insurer's payment fr the lss/damage incurred when the rental vehicle was under yur respnsibility. This means the Insurer will then be entitled, at its wn expense, t sue anther party in yur name. If the Insurer chses t sue anther party in yur name, yu must give the Insurer all the assistance the Insurer may reasnably require t secure its rights and remedies. This may include prviding yur signature n all necessary dcuments that enable the Insurer t sue in yur name. Once yu reprt lss r damage, a claim file will be pened and will remain pen fr six (6) mnths frm the date f the lss, r damage. Payment will nly be made n a claim r any part f a claim that is cmpletely substantiated as required by the claims administratr within six (6) mnths f the date f lss/damage. WestJet RBC Wrld MasterCard

8 Yu shuld use due diligence and d all things necessary t avid r reduce any lss r damage t prperty prtected by this Aut Rental Cllisin/Lss Damage Insurance. OTHER CLAIM INFORMATION If yu disagree with the claim decisin f the Insurer, the matter will be submitted t arbitratin under the arbitratin law in the Canadian prvince r territry in which yu permanently reside. Yu must begin arbitratin prceedings t recver a claim within twelve (12) mnths f the lss r damage. If, hwever, this limitatin is invalid accrding t the laws f the Canadian prvince r territry where yu permanently reside, yu must cmmence yur claim within the shrtest time limit permitted by that prvince r territry. All arbitratin prceedings must be brught in the Canadian prvince r territry in which yu permanently reside. Where requested by the Insurer, yu cnsent t the transfer f any prceedings t the prvince r territry where yu permanently reside. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. Yur WestJet RBC Wrld MasterCard accunt must be pen and in gd standing during the rental perid. 2. Only the cvered persn may rent a vehicle and may decide t decline the rental agency s CDW r an equivalent alternative cverage ffering. This cverage applies nly t the cvered persn s persnal and business use f the rental vehicle. 3. Cverage is limited t ne (1) rental vehicle at a time; i.e. if during the same perid there is mre than ne (1) vehicle rented by the cvered persn, nly the first rental will be eligible fr these benefits. 4. If yu make a claim knwing it t be false r fraudulent in any respect, yu will nt be entitled t the benefits f this prtectin, nr t the payment f any claim made under this Certificate f Insurance. 5. The Insurer may, at its discretin, vid this insurance cntract in the case f fraud r attempted fraud by yu, r if yu cnceal r misrepresent any material fact r circumstance cncerning this insurance cntract. COLLECTION AND USE OF PERSONAL INFORMATION COLLECTING YOUR PERSONAL INFORMATION We (RBC Insurance Cmpany f Canada) may cllect infrmatin abut yu, such as: infrmatin establishing yur identity (fr example, name, address, phne number, date f birth, etc.) and yur persnal backgrund; infrmatin yu prvide thrugh the applicatin and claims prcess fr any f ur insurance prducts and services; and infrmatin fr the prvisin f insurance prducts and services. WestJet RBC Wrld MasterCard

9 We may cllect infrmatin frm yu, either directly r thrugh ur representatives. We may cllect and cnfirm this infrmatin during the curse f ur relatinship. We may als btain this infrmatin frm a variety f surces including hspitals, dctrs and ther health care prviders, the gvernment (including gvernment health insurance plans) and gvernmental agencies, ther insurance cmpanies, travel suppliers, law enfrcement authrities, private investigatrs, yur family and friends, and any references yu prvide. USING YOUR PERSONAL INFORMATION This infrmatin may be used fr the fllwing purpses: t verify yur identity and investigate yur persnal backgrund; t issue and maintain insurance prducts and services yu may request; t evaluate insurance risk, manage and crdinate claims, re-price medical expenses and negtiate payment f claims expenses; t better understand yur insurance situatin; t determine yur eligibility fr insurance prducts and services we ffer; t help us better understand the current and future needs f ur clients; t cmmunicate t yu any benefit, feature and ther infrmatin abut prducts and services yu have with us; t help us better manage ur business and yur relatinship with us; and as required r permitted by law. Fr these purpses, we may make this infrmatin available t ur emplyees, ur agents, service prviders and ther third parties, wh are required t maintain the cnfidentiality f this infrmatin. In the event ur service prvider is lcated utside f Canada, the service prvider is bund by, and the infrmatin may be disclsed in accrdance with, the laws f the jurisdictin in which the service prvider is lcated. Third parties may include ther insurance cmpanies, ther financial institutins, health rganizatins and the gvernment (including gvernment health insurance plans) and gvernmental agencies Upn yur request, we may give this infrmatin t ther persns. We may als use this infrmatin and share it with RBC cmpanies (i) t manage ur risks and peratins and thse f RBC cmpanies, (ii) t cmply with valid requests fr infrmatin abut yu frm regulatrs, gvernment agencies, public bdies r ther entities wh have a right t issue such requests, and (iii) t let RBC cmpanies knw yur chices under Other uses f yur persnal infrmatin fr the sle purpse f hnuring yur chices. OTHER USES OF YOUR PERSONAL INFORMATION We may use this infrmatin t prmte ur insurance prducts and services, and prmte prducts and services f third parties we select, which may be f interest t yu. We may cmmunicate with yu thrugh varius channels, including telephne, cmputer r mail, using the cntact infrmatin yu have prvided. We may als, where nt prhibited by law, share this infrmatin with RBC cmpanies fr the purpse f referring yu t them r prmting t yu prducts and services which may be f interest t yu. We and RBC cmpanies may cmmunicate with yu thrugh varius channels, including telephne, cmputer r mail, using the cntact WestJet RBC Wrld MasterCard

10 infrmatin yu have prvided. Yu acknwledge that as a result f such sharing they may advise us f thse prducts r services prvided. If yu als deal with RBC cmpanies, we may, where nt prhibited by law, cnslidate this infrmatin with infrmatin they have abut yu t allw us and any f them t manage yur relatinship with RBC cmpanies and ur business. Yu understand that we and RBC cmpanies are separate, affiliated crpratins. RBC cmpanies include ur affiliates which are engaged in the business f prviding any ne r mre f the fllwing services t the public: depsits, lans and ther persnal financial services; credit, charge and payment card services; trust and custdial services; securities and brkerage services; and insurance services. Yu may chse nt t have this infrmatin shared r used fr any f these Other uses by cntacting us as set ut belw, and in this event, yu will nt be refused insurance prducts r services just fr that reasn. We will respect yur chices and, as mentined abve, we may share yur chices with RBC cmpanies fr the sle purpse f hnuring yur chices regarding Other uses f yur persnal infrmatin. YOUR RIGHT TO ACCESS YOUR PERSONAL INFORMATION Yu may btain access t the infrmatin we hld abut yu at any time and review its cntent and accuracy, and have it amended as apprpriate; hwever, access may be restricted as permitted r required by law. T request access t such infrmatin, t ask questins abut ur privacy plicies r t request that the infrmatin nt be used fr any r all f the purpses utlined in Other uses f yur persnal infrmatin yu may d s nw r at any time in the future by cntacting us at: RBC Insurance Cmpany f Canada P.O. Bx 97, Statin A Mississauga, Ontari L5A 2Y9 Phne: Fax: OUR PRIVACY POLICIES Yu may btain mre infrmatin abut ur privacy plicies by asking fr a cpy f ur Straight Talk brchure abut privacy, by calling us at the tll free number shwn abve r by visiting ur web site at Registered trademarks f Ryal Bank f Canada. RBC and Ryal Bank are registered trademarks f Ryal Bank f Canada. MasterCard and Wrld MasterCard are registered trademarks and PayPass and Tap & G are trademarks f MasterCard Internatinal Incrprated. Used under license. WestJet dllars are trademarks f WestJet Airlines LTD. WestJet RBC Wrld MasterCard

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