Guide to Benefits Wells Fargo Propel World American Express Card

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1 This Guide to Benefits describes the benefits in effect as of 6/1/2015. These benefits services are available to you as a Wells Fargo Propel World American Express Card member. Please read and retain this document for your records. Guide to Benefits Wells Fargo Propel World American Express Card For questions about your account, balance, or rewards points, please call the customer service number on your Card statement. General Definitions Card means a payment card or other payment device or method linked to or representing a credit or charge account issued by Wells Fargo Bank, N.A. in the United States under license from American Express, which can be used to purchase goods and services from merchants participating on the American Express network. Covered Cards include the Wells Fargo Propel World American Express Card. Cardholder means a holder of a Wells Fargo Propel World American Express Card whose name is embossed, printed, or otherwise affixed on a Card, or who has entered into an agreement with Wells Fargo Bank, N.A., for the extension of credit to be used to purchase goods and services from merchants participating in the American Express network. Active Card means a card with at least one (1) purchase transaction, other than a balance transfer, but including cash access, within the last 30 days and during the Duration of Coverage period in effect when the assistance services are requested. Unmarried Dependent Children means children who are primarily dependent upon the insured for maintenance and support and who are: under the age of 19 and reside with the insured; beyond the age of 19 who are permanently mentally or physically disabled and incapable of self-support; or under the age of 25 and a full-time student at an institute of higher learning. Domestic Partner means a person designated in writing at time of claim by the Primary Insured Person who is registered as a Domestic Partner or legal equivalent under laws of the governing jurisdiction or who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Primary Insured Person by blood; (3) has exclusively lived with the Primary Insured Person for at least twelve (12) consecutive months prior to the date of enrollment; (4) is not legally married or separated; and (5) as of the date of enrollment, has with the Primary Insured Person at least two (2) of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Primary Insured Person nor the Domestic Partner can be married to, or in a civil union with, anyone else.

2 Premium Concierge Terms of Service for Premium Concierge Services This document details the Premium Concierge services available to you as a member of the plan described as followed. I. General Terms Eligibility: In order to be eligible for the services and benefits described below, offered by Wells Fargo Bank N.A., through AXA, you must be a Cardholder with an Active Card as defined below. Covered Person means a Cardholder. Duration of Coverage: The coverage period of the services described herein, rendered by AXA on behalf of Wells Fargo Bank, N.A., runs concurrent with the validity of your Wells Fargo Propel World American Express Card account. If for any reason your Wells Fargo Propel World American Express Card account is terminated or cancelled, your eligibility to receive the services described herein will be immediately canceled. Access: The services and benefits offered in this program will be arranged by AXA. The benefits described herein are non-transferable. Availability of Services: Services are available worldwide and are subject to the limitations set out in the terms and conditions, below. In no event will the services be available in any country or territory which is the subject of governmental or quasigovernmental economic or political sanctions, which may be involved in an international or internal conflict, or where the existing infrastructure is deemed inadequate by AXA to guarantee service. For 24-hour assistance, call: Toll Free: Worldwide Collect: II. Premium Concierge Description The Cardholder is entitled to obtain the following services: General Assistance Car and limousine rentals Hotel information and reservations Luxury rental information and arrangements such as houseboats, villas, charter planes, etc. Cultural Information Premium concierge provides information on local city events and attractions such as concerts, theater and sporting events overseas. Also provides information on your destination prior to travel including essential cultural information such as protocol and etiquette. 2

3 Restaurant Referrals and Reservations Access to a broad network of distinctive dining restaurants domestically or while traveling overseas. If you are looking for that special restaurant with a panoramic view for a unique dining experience, we can refer you to the proper facility and assist with reservations when available. We will assist Cardholders with information on restaurants such as location, type of cuisine, hours of operation, attire required, pricing range, general menu options, etc. Entertainment Information and Arrangements Assistance with ticket referrals for opera, ballet, theater, concerts, sporting events, and museums. If information is not enough, we can assist with ticket arrangements and pre-paid dining arrangements. Business Service Referrals and Arrangements While the Cardholder is traveling, premium concierge service can help by providing: emergency interpretation or referrals to translators, business equipment rental (computer, cellular phone, etc.), essential cultural information such as protocol and etiquette. Golf Course Referrals We will provide information and referrals and tee times to public and semi-private golf courses in major cities. Leisure Activity Information and Assistance Tours and Sightseeing Recreational sports information Referrals to health and fitness clubs Gift Referrals and Arrangement Services We will provide referrals to and make arrangements for Floral designers, balloons and gifts baskets and packages can be arranged as well as unique gift ideas specific to the Cardholder s needs. Referrals and arrangements can be provided both domestically or internationally. All costs for arrangements are borne by the Cardholder. Hard-to-Find Items We will assist the Cardholder with locating hard-to- find items such as out-of-print books, art objects, and specialty items. We can make arrangements for delivery of chosen items to the destination of choice of the Cardholder. All costs for such delivery will be borne by the Cardholder directly. Location of Retailers/Specialty Stores We will assist Cardholders within the country of issuance or while overseas with referrals to personal shoppers, wedding coordinators, the best markets to visit, gift shopping, organizing an organic butcher, baker, or commissioning jewelers. 3

4 Product Research and Comparison We will research products worldwide, conduct price comparisons and availability of items desired by the Cardholder. If the items are found, we can make arrangements for delivery of chosen items to the destination of choice of the Cardholder. All costs for such delivery will be borne by the Cardholder directly. Specialty In-Home Referrals While at home or traveling, we can provide referrals to a personal chef, party planner or even landscaping services. Luxury Car and Limousine Rentals We can provide bus and Taxi services and train schedules at the Cardholder s request. Personal Assistant can also provide Cardholder s with referrals and assist with arrangements for luxury car rental or limousine arrangements. Specialty Service Referrals While the Cardholder is planning a trip or is overseas, we can help by providing referrals to babysitters, interpreters, dog walkers and health and fitness facilities. Access to Professional Travel Agents Cardholders can call our certified travel agents to help them plan trips and make travel arrangements. Our travel agents have direct access to airline, hotel, and car rental provider databases through our travel reservation systems. Our travel experts will help you plan your trip from start to finish as well as make recommendations to your itinerary and help you figure out your best travel options. III. Cost of the Assistance Services Provided Most of the assistance services are offered to the Cardholder at no cost. However, Cardholder will be responsible for all costs and expenses related to Cardholder s request. All expenses will be debited, in some cases in advance of purchase, to Cardholder s Card account, irrespective of the success of the search and/or Cardholder s acceptance of the goods and/or services arranged on Cardholder s behalf. Concierge specialists will seek Cardholder s authorization prior to arranging a service; in some instances written authorization may be required. When goods or services are purchased on Cardholder s behalf: items will be purchased and/or delivered in accordance with national and international regulations; Cardholder is at all times responsible for customs and excise fees and formalities; AXA Assistance recommends that they be insured for mailing and shipping and accepts no responsibility for any delay, loss, damage or resulting consequences. 4

5 AXA Assistance cannot undertake any request we consider to be: for re-sale, professional or commercial purposes; virtually impossible or unfeasible; subject to risk e.g. illegal sources; a violation of the privacy of another person; a violation of national and international laws; unethical and/or immoral; price-shopping for discounted items. AXA Assistance reserves the right to decline or stop working on a request at any time and will not be liable for any consequences. If a request is declined, we will alert the Cardholder and endeavor to offer an alternative. AXA Assistance will endeavor to use at all times providers which are professionally recognized and in AXA Assistance s experience reliable; in instances where a requested service can only be provided by a provider which does not meet this criteria, AXA Assistance will inform Cardholder of the potential risks. Should Cardholder nevertheless wish to utilize the services of such a provider, AXA Assistance accepts no liability whatsoever for the risks undertaken, consequences arising thereof or the resolution of any dispute with the service provided. AXA Assistance accepts no liability arising from any provider that does not fulfill his obligations to Cardholder. Terms of Service for Premium Emergency Assistance This document details the Premium Emergency Assistance services provided by AXA Assistance USA ( AXA ) and for which you may be eligible as described herein. I. General Terms Eligibility: In order to be eligible for the services and benefits described below, offered by Wells Fargo Bank, N.A., through AXA, you must be a Cardholder with an Active Card as defined below. Covered Person means a Cardholder; or such Cardholder s spouse (or partner) living at the same address as the Cardholder, while traveling with the Cardholder; and the above-mentioned Cardholder s dependent children under 23 years of age living at the same address as the Cardholder, while traveling with the Cardholder. Duration of Coverage: The coverage period of the services described herein, rendered by AXA on behalf of Wells Fargo Bank, N.A. runs concurrent with the validity of your Wells Fargo Propel World American Express Card account. If for any reason your Wells Fargo Propel World American Express Card account is terminated or cancelled, your eligibility to receive the services described herein will be immediately canceled. 5

6 Access: The services and benefits offered in this program will be arranged by AXA. The benefits described herein are non-transferable. Availability of Services: Services are available worldwide and are subject to the limitations set out in the terms and conditions, below. In no event will the services be available in any country or territory which is the subject of governmental or quasi-governmental economic or political sanctions, which may be involved in an international or internal conflict, or where the existing infrastructure is deemed inadequate by AXA to guarantee service. For 24-hour emergency assistance, call: Toll Free: Worldwide Collect: II. Content of the Assistance Services There are four components of the Premium Emergency Assistance program: 1. Medical Emergency Assistance 2. Legal Emergency Assistance 3. Personal Assistance 4. Travel-Oriented Assistance Medical Emergency Assistance The Covered Person is entitled to obtain: Referrals to Medical Services: Physicians, hospitals, clinics, ambulances, private duty nurses, dentists, dental clinics, services for the disabled, opticians, ophthalmologists, pharmacies, suppliers of contact lenses, and medical aid equipment. Dispatch of a doctor on the spot: If the Covered Person s condition or the circumstances require it; (the cost of health treatment and any doctor s fees shall be borne by the Cardholder). Hospital Admission: Organization of hospital admission and, if requested, the guarantee of medical expenses (to be charged to Cardholder s account and subject to authorization by Wells Fargo Bank, N.A.). Dispatch of necessary medicines which cannot be found locally: The cost of the medicine shall be borne by the Card member. The cost of shipment shall be borne by AXA Assistance. Replacement of broken, lost or stolen glasses or contact lenses: The cost of the actual lenses or glasses shall be borne by the Cardholder. The cost of shipment shall be borne by AXA Assistance. Transfer of lost or forgotten prescriptions When possible by law, AXA Assistance shall endeavour 6

7 to facilitate the transfer of a prescription from a Cardholder s home pharmacy to a local pharmacy. The cost of the medication and any prescription charges shall be borne by the Cardholder. Medical transportation / Medical Evacuation: $100,000 Abroad Transportation of the Covered Person to a betterequipped or more specialised hospital. Transportation of the Covered Person to the closest hospital to home if he/she is outside his/her country of residence. Transportation of the Covered Person to his/her place of residence, provided that his/her condition allows him/her to leave the hospital. ($100,000 evacuation/ repatriation coverage ONLY while travelling 100 miles away from primary residence). Legal Assistance Lawyer Referrals Legal Assistance, up to a maximum $1,000 U.S. dollars Transportation of the Covered Person to his/her place of residence, provided that his/her condition allows him/her to leave the hospital. ($100,000 evacuation/ repatriation coverage ONLY while travelling 100 miles away from primary residence). Advance payment for bail bond, up to a maximum of $10,000 U.S. dollars If the Covered Person is jailed (or threatened to be) following a road traffic accident, AXA Assistance shall advance the bail bond (to be charged to Cardholder s account and subject to authorization by Wells Fargo Bank, N.A.). Personal Assistance Information for preparing a journey: No limitations Information on visas, passports: No limitations Information on inoculation requirements for foreign travel: No limitations Information on customs and duty regulations: No limitations Information on foreign exchange rates and value added taxes: No limitations Referrals to American Express Travel Service Offices World-wide: No limitations Referrals to Embassies or Consulates: Abroad Referrals to Interpreters: Abroad Dispatch of an Interpreter: Abroad In case of imprisonment, hospitalization or circumstances that demand the services of an interpreter, AXA Assistance shall make the necessary arrangements to provide the Cardholder with an interpreter. (To be charged to the Cardholder s account and subject to authorization by the Wells Fargo Bank, N.A.). Assistance for return trip, up to a maximum of $1,000 U.S. dollars 7

8 In case of loss or theft of the Covered Person s Card or identity papers necessary to return home, AXA Assistance shall provide assistance in replacing them. In the event of loss or theft of the transportation ticket to return home, a replacement transportation ticket shall be provided. (To be charged to Cardholder s account and subject to authorization by the Wells Fargo Bank, N.A.). Travel-Oriented Emergency Assistance Cash advances, up to a maximum of $1,000 U.S. dollars In the event of lost or stolen cash, Travellers Cheques, credit and charge cards or in the event that there are no TSOs or ATMs available at the Cardholder s location, AXA Assistance shall advance cash to the Cardholder\ (to be charged to Cardholder s account and subject to authorization by Wells Fargo Bank, N.A.). Urgent message relay: No limitations Transmission of urgent messages from the Covered Person to relatives, business associates, friends residing in his/her country of residence and vice versa. Luggage assistance: No limitations AXA Assistance shall provide assistance in locating lost luggage and shall provide to the Cardholder regular updates on the location status. Assistance for return trip, up to a maximum of $1,000 U.S. dollars In case of loss or theft of the Covered Person s Card or identity papers necessary to return home, AXA Assistance shall provide assistance in replacing them. In the event of loss or theft of the transportation ticket to return home, a replacement transportation ticket shall be provided. (To be charged to Cardholder s account and subject to authorization by Wells Fargo Bank, N.A.). Repatriation of the body in the event of the death of the Covered Person: Abroad Repatriation of the body to the place of burial in his/her country of residence. Coffin provided (transportation of coffin subject to regulations within international laws). Repatriation home of the other Covered Persons: Abroad In case of the repatriation of one of the Covered Persons, the simultaneous repatriation of the other Covered Persons travelling with him/her to their place of residence will be provided, on the condition that they cannot return home by the means of transportation initially planned. Visit of a close relative in case of hospitalisation over 7 days: Abroad Return ticket provided to 1 close relative if the Covered Person is hospitalized for more than 7 days. (Close relative: Covered Person s father, mother, parents-inlaw, spouse or partner, child, brother or sister and living in the Covered Person s country of residence.) Escort for children under 15: Abroad If the person accompanying the Covered Person s 8

9 children under 15 years of age is unable (due to illness or injury) to take care of them, a return ticket shall be provided to a person*, appointed by the Covered Person, to repatriate the children. If the appointed person is not available, AXA Assistance shall send an escort to repatriate the children. (* living in the Covered Person s country of residence) Unanticipated return home: Abroad In case of hospitalisation of a close relative exceeding 10 days or the death of a close relative or in case of serious damage to the Cardholder s home, a return ticket home shall be provided. Category of Transportation Ticket Provided in Case of Assistance Economy class air ticket or 1st class rail ticket. (AXA decides which means of transportation will be provided.) Cost of the Assistance Services Provided Most of the assistance services are offered to Cardholders at no cost. However, according to circumstances and depending on the nature of the requested service, AXA Assistance may have to make cash advances against the Cardholder s account, subject to the Cardholder s approval. In this case, the advanced payment and associated delivery fees are reimbursed to AXA Assistance USA through the debit of the Cardholder s Card account, subject to prior approval by Wells Fargo Bank, N.A. 9

10 Worldwide Car Rental Loss & Damage Insurance: Provides coverage in excess of other insurance against damage to or loss of a rental vehicle. Coverage applies when the entire rental fee is charged to your Card. Benefit Information: Toll Free: Worldwide Collect: Claims: Fax: Available: 8:00 a.m. 8:00 p.m. EST Monday Friday 8:00 a.m. 12 noon EST Saturday At all other times, including holidays, a telephone call-in service is provided. Terms and Conditions Covering Worldwide Car Rental & Damage Insurance Certain limitations and exclusions apply. Excess Automatic Loss Damage Reimbursement Summary of Coverage Worldwide Car Rental Loss & Damage Insurance Related Definitions You Should Know: Insured: Insured means a Cardholder who charges the entire cost of a Rented Automobile using his/her Card. Rented Automobile: Rented Automobile means a fourwheeled private passenger type motor vehicle or a mini-van manufactured and designed to transport a maximum of seven passengers and used exclusively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from a licensed rental agency. Off-road, antique or limited-edition vehicles are excluded, as are trucks, recreational vehicles, campers, pickup trucks and minibuses. Damage or Loss: Damage or Loss means direct and accidental loss to a Rented Automobile. Actual Cash Value: Actual Cash Value means the cost to repair or replace the Damage or Loss to the Rented Automobile at the time of loss, less depreciation. Licensed Rental Agency: Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Excess Coverage: Excess Coverage means that the Insured will be reimbursed only for losses/expenses not covered by 10

11 other plans or programs, such as a partial collision damage waiver, any personal auto insurance, employer s auto insurance or reimbursement plan or other sources of insurance. When these other plans apply, an Insured must first seek payment or reimbursement from such plans, and receive a determination based on the stated terms of such other plans, that any such plans do not provide complete coverage, prior to such time as the Insured can be reimbursed through Excess Coverage. The Plan: As an eligible Insured, you may receive reimbursement for repair or replacement of the Rented Automobile as a result of Damage or Loss to the Rented Automobile anywhere in the world. Reimbursement will be on an Actual Cash Value basis, for loss for which the Insured is responsible. This coverage applies provided the entire rental fee for the Rented Automobile, less redeemable certificates, vouchers, coupons, or points has been charged to your Card. Eligibility: This Damage or Loss protection is provided to you, as an Insured, automatically when, and only when, the entire rental fee for the Rented Automobile is charged to your Card, provided however, you reject, at the time of rental, any coverage against Damage or Loss available from the Rental Agency. It is not necessary for you to notify Wells Fargo Bank, N.A., the administrator or the Federal Insurance Company (the Company ) at the time the rental fee is charged to your Card. The Cost: This coverage is provided at no additional cost to eligible Insureds under the Master Policy # issued to American Express Travel Related Services Company, Inc., by Federal Insurance Company (the Company ). Length of Coverage: The coverage period will not exceed thirtyone (31) consecutive days. Amount of Insurance: The Company s liability will be for a maximum reimbursement of $50,000 per rental. From the amount of reimbursement due the Insured, the amount of any valid and collectible insurance will be deducted. In no event will the Company be liable beyond the amounts actually paid by the Insured. The insured must file a claim with their primary insurance as this policy is Excess Coverage. Exclusions: Coverage does not apply to loss resulting from the following: Any dishonest, fraudulent, or criminal act of the Insured. Forgery by the Insured. Loss due to war or confiscation by authorities. Loss due to nuclear reaction or radioactive contamination. The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. Intentional damage to the Rented Automobile by the Insured. Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure, 11

12 unless such damage results from a theft covered by the plan. Damage to tires unless damaged by fire, malicious mischief or vandalism, or stolen, or unless the loss be coincident with a covered loss. Use of the Rented Automobile to carry passengers and property for hire. Use of the Rented Automobile in tests, races or contests. Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile by the terms of the Rental Agreement. The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. Loss of use of the Rented Automobile. Vehicles NOT covered. Trucks, recreational vehicles, campers, pickup trucks and mini-buses. Limited-edition motor vehicles which are defined as high-value, exotic, high-performance or collector-type vehicles. High-value motor vehicles which are defined as motor vehicles whose replacement value exceeds $50,000. Antique motor vehicles which are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. Effective Date. This plan is effective 09/16/13 and will cease on the date the Master Policy # terminates (in which case you will be notified by Wells Fargo Bank, N.A.), or on the date you no longer qualify as an eligible Insured (i.e., on the date your Card account terminates or ceases to be in good standing), or on the expiration date of the applicable coverage period for the Insured, whichever occurs first. Misrepresentation and Fraud. Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Claim Procedure. The Insured must send the Company written notice of a claim, including the Insured s name and policy number, within 45 days after Damage or Loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. In addition, the Insured must send the following information to the Company or its authorized representative: A copy of the Card account statement showing the charge for the Rented Automobile. A copy of the automobile rental agreement. A copy of the police report pertaining to Damage or Loss. A copy of the initial claim report submitted to the 12

13 automobile Rental Agency. A copy of the paid claim presented by the automobile Rental Agency for the Damage or Loss for which the Insured is responsible. Proof of submission of the Loss to and the results of any settlement or denial by the applicable insurance carrier(s). If no other insurance is applicable, a notarized statement from the Insured to that effect. To File a Claim. To obtain a claim form contact the Claim Administrator, Broadspire, a Crawford Company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to: Broadspire, a Crawford Company, P.O. Box 4090, Atlanta, GA 30302, phone number , fax number For Insureds Who are New York State Residents. To the extent that this plan provides insurance against damage to a rented motor vehicle, the following additional terms and conditions apply: (1) The period of insurance coverage will not exceed thirty-one (31) consecutive days; (2) The insurance provided by this plan will be Excess Coverage over any other valid and collectible insurance covering the rented motor vehicle. However, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and if the following criteria are met: (a) The motor vehicle is rented for use outside the United States, its territories and possessions; and (b) The motor vehicle is rented without a driver. All other terms and conditions which do not conflict with this paragraph continue to apply. Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. 15 Mountain View Road, P.O. Box 1615, Warren, NJ As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of Insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in Master Policy # , Excess Loss Damage Waiver on file with American Express Travel Related Services, Inc., and available from Wells Fargo Bank, N.A. The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this Summary of Coverage and any provision in the Policy differ, the Policy will govern. Cellular Telephone Protection Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer credit card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider s monthly statement. Cellular Telephone Protection is subject to a $

14 deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is $ per occurrence and $1, per 12month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25.00 deductible. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, or from the card that is linked to a Line of Credit. Coverage does not apply for electronic failure or cell phones that are received as part of a pre-paid plan. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner s or automobile insurance policies, or through a plan provided through the seller of the telephone. Read all the coverage benefits and exclusions for this protection by going to wellsfargo.com/cellphone or call , 24 hours a day, seven days a week. Note: Call your cellular provider (or log on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for this cellular telephone protection benefit; however, you need to pay your monthly cellular telephone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. 14

15 Worldwide Travel Inconvenience Insurance: Provides coverage in excess of other insurance for a reimbursement due to a travel inconvenience caused by lost or damaged Baggage, Trip Delay, or Baggage Delay. Coverage applies to common carrier travel where the ticket was purchased with the Card. Benefit Information: Toll Free: Worldwide Collect: Claims: Fax: Available: 8:00 a.m. 8:00 p.m. EST Monday Friday 8:00 a.m. 12 noon EST Saturday At all other times, including holidays, a telephone call-in service is provided. Worldwide Travel Inconvenience Insurance provided through Automatic Common Carrier Baggage, Trip Delay, and Baggage Delay Reimbursement Certain limitations and exclusions apply. Summary of Coverage: These coverages are provided through Excess Common Carrier Checked and/or Carry-on Baggage/Baggage Delay/Trip Delay, Policy Number Worldwide Travel Inconvenience Insurance Related Definitions you should know: Insured: Insured means a Cardholder, or such Cardholder s spouse or Domestic Partner, or Unmarried Dependent children, when such person has purchased Common Carrier passage fare entirely with their Wells Fargo Propel World American Express Cards. Trip Delay: Trip Delay means cancellation, or delay of the Insured s covered trip for at least six (6) hours. Baggage Delay: Baggage Delay means a delay or misdirection of the Insured s Checked Baggage by a Common Carrier for more than six (6) hours after arrival at the final scheduled destination. Checked Baggage: Checked Baggage means suitcases or other containers specifically designated for carrying personal property, for which a claim check has been issued to the Insured by a Common Carrier. Common Carrier: Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without 15

16 discrimination and for hire. Carry-On Baggage: Carry-On Baggage means suitcases or other containers specifically designated for carrying personal property, which are carried on board a Common Carrier by the Insured. Actual Cash Value: Actual Cash Value means the cost to replace the lost or damaged personal property at the time of loss, less depreciation. Covered Trip: Covered Trip means travel on a Common Carrier when the full fare for such transportation less any redeemable rewards points, coupons or certificates have been charged to the Insured Person s Account issued by the Policyholder. If rewards points, coupons, or certificates are redeemed, a charge of at least $1.00 must be charged to the Account for travel to be considered a Covered Trip. Insured s Property: Insured s Property means the Insured s baggage and personal property contained in Checked Baggage and Carry-On Baggage. Insured s Location of Permanent Residence: Insured s Location of Permanent Residence means the city where the Insured has established his/her fixed and permanent principal home. The Plan. As an Insured, you, your spouse or Domestic Partner or Unmarried Dependent Children are eligible to receive reimbursement for amounts paid for Trip Delay, Baggage Delay, direct physical loss or damage to Checked and/or Carry- On Baggage and Insured s personal Property contained therein. Reimbursement for Checked and/or Carry-On baggage will be on an Actual Cash Value basis at the time of loss. This coverage applies provided the entire cost of the Covered Trip is charged to your Card. Eligibility. This Common Carrier Baggage, Trip Delay and Baggage Delay reimbursement is provided to you, your spouse or Domestic Partner and Unmarried Dependent Children, automatically when the entire cost of the Covered Trip is charged to your Card. It is not necessary for you to notify Wells Fargo Bank, N.A., the administrator, or Federal Insurance Company (the Company ) at the time the passage fee is charged to your Card. This Trip Delay reimbursement is provided during a Covered Trip if the delay is due to airline related delays, missed connections, unannounced strike, civil commotion, hijack or natural disaster. Reimbursement is provided for the cost of food and temporary lodging until travel by the Insured becomes possible. This Baggage Delay reimbursement is provided for the cost of expenses incurred during a Covered Trip resulting from Baggage Delay. Reimbursement is provided for the emergency purchase of essential items needed at a destination other than the Insured s Location of Permanent Residence. 16

17 The Cost. This coverage is provided at no additional cost to eligible Insureds under the Master Policy # issued to American Express Travel Related Services Company, Inc. by Federal Insurance Company (the Company ). Amount of Insurance: Checked and/or Carry-On Baggage: The Company s liability will be for a maximum reimbursement of $1,000 per Insured per covered trip, of which no more than $250 may be for jewelry and fur. Payment will be on an Actual Cash Value basis at the time of loss. Coverage under this plan will be excess over any amount due solely from the Common Carrier. Trip Delay: The Company s liability will be for a maximum reimbursement of $200 per Insured. This benefit is excess over any other insurance or indemnity available to the Insured person. Coverage is limited to one (1) delay per Insured person during a covered trip to a maximum of 3 occurrences per Card per year. Baggage Delay: The Company s liability will be for a maximum reimbursement of $200 per Insured per year. Company will not pay more than the maximum benefit amount in any 12 consecutive months regardless of the number of Baggage Delay claims made in that 12-month period. This benefit is excess of any other insurance or indemnity available to you. Exclusions: Checked and/or Carry-On Baggage: Coverage does not apply to loss resulting from: (1) any dishonest, fraudulent, or criminal act of the Insured; (2) forgery by the Insured; (3) loss due to war or confiscation by authorities; (4) loss due to nuclear reaction or radioactive contamination. Coverage also does not apply to: (1) sporting equipment, unless checked with the Common Carrier and for which its own claim check has been provided by the Common Carrier; (2) animals, perishables; cameras and accessory equipment; eye glasses and contact lenses; prosthetic devices including dentures and hearing aids; tickets, valuable papers, and documents; credit cards, charge cards and debit cards; securities; money; art objects; electronic equipment; business items; bullion or precious or semi-precious metals, stones, or gems other than that contained in items of personal jewelry owned by the Insured; household furniture; motor vehicles, boats, or watercraft or aircraft or parts for such conveyances. (3) Expenses or purchases not billed to your Card account. Baggage Delay: Essential items not covered by the Baggage Delay benefit include, but are not limited to: (1) contact lenses, eyeglasses or hearing aids; (2) artificial teeth, dental bridges or prosthetic devices; (3) tickets, documents, money, securities, checks, travelers checks, and valuable papers; (4) business samples; (5) purchases not charged billed to your Card account. Trip Delay: Coverage does not apply to: (1) loss resulting from any dishonest, fraudulent or criminal act of the Insured; (2) loss 17

18 resulting from forgery by the Insured; (3) loss due to war or confiscation by authorities; (4) loss due to nuclear reaction or radioactive contamination; (5) purchases not charged to your Card account. Length of Coverage: This plan is effective September 16, 2013, and will cease on the date the master policy terminates (in which case you will be notified by Wells Fargo Bank, N.A.), or on the date you no longer qualify as an eligible Insured or on the expiration date of any applicable period of coverage for any Insured, or on the date your Card account is terminated or no longer in good standing, whichever occurs first. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Claim Procedure. The Insured must send the Company written notice of a claim, including the Insured s name and policy number, within 45 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss statement, the Insured must send the following to the Company or its authorized representative: (1) a copy of the Card account statement showing the Common Carrier fare charged; (2) a copy of the initial claim report submitted to the Common Carrier; (3) proof of submission of the loss to and the results of any settlement by the Common Carrier; (4) proof of submission of the loss to and the results of any settlement or denial by the Insured s personal insurance carrier(s); (5) if no other insurance is applicable, a notarized statement from the Insured to that effect; and (6) evidence that the personal property has actually been replaced. To File a Claim: To obtain a claim form contact the Claim Administrator, Broadspire, a Crawford Company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to: Broadspire, a Crawford Company, P.O. Box 4090, Atlanta, GA 30302, phone number , fax number For Insureds Who Are New York State Residents. To the extent that this plan provides insurance against the loss or damage to baggage and its contents, the following terms and conditions apply: (1) The loss or damage must occur while the Insured is in transit; (2) The maximum amount of insurance is $1,000 per bag, including contents, subject to a maximum annual aggregate amount of $10,000 for all Insureds per trip per Card account. Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. 15 Mountain View Road, PO Box 1615, Warren, NJ

19 As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in Master Policy # , Excess Common Carrier Checked and/ or Carry-on Baggage/Baggage Delay/ Trip Delay, on file with American Express Travel-Related Services, Inc. herein referred to as the Policyholder. The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern. Worldwide Travel Accident Insurance: Worldwide Travel Accident Insurance provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, trip, ship or bus) when the entire fare is charged to your Card. Worldwide Travel Accident Insurance provides coverage up to $500,000. Certain exclusions, restrictions, and limitations apply. Benefit Information: Toll Free: Worldwide Collect: Claims: Fax: Available: 8:00 a.m. 8:00 p.m. EST Monday Friday 8:00 a.m. 12 noon EST Saturday At all other times, including holidays, a telephone call-in service is provided. Certain limitations and exclusions apply. Definitions Insured: Insured means a Cardholder, or such Cardholder s spouse or Domestic Partner, or Unmarried Dependent Children, when such person has purchased Common carrier passage fare entirely with the Cardholder s Card. Common Carrier: Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire. Member: Member means hand or foot. Loss: Loss means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with regard to thumb and index finger, means 19

20 complete severance through or above the knuckle joints of the thumb and index finger of the same hand; with respect to a foot, complete severance through or above the ankle joint; with respect to eye, means the permanent loss of vision in one eye. Remaining vision must be no better than 20/200 using a corrective aid or device as determined by a physician; with respect to hearing, means the permanent and irrecoverable loss of hearing in both ears, as determined by a physician, with respect to speech, means the permanent and irrecoverable total loss of the capability of speech without the aid of mechanical devices, as determined by a physician. Benefit Amount: Benefit Amount means the Loss amount applicable at the time the entire cost of the passenger fare is charged to a Card account. The Plan. As the holder of a Card, you, your spouse or Domestic Partner, and Unmarried Dependent Children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers, coupons, or points has been charged to your Card account. A charge of at least $1 must be charged to your Card Account. If the entire cost of the passenger fare has been charged to your Card account prior to departure for the airport, terminal or station, coverage is also provided for common carrier travel (including taxi, bus, train or airport limousine, including courtesy transportation); immediately, (a) preceding your departure, directly to the airport, terminal or station (b) while at the airport, terminal or station, and (c) immediately following your arrival at the airport, terminal or station of your destination. If the entire cost of the passenger fare has not been charged to your Card account prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your Card. Eligibility. This travel insurance plan is provided to eligible Insureds automatically when the entire cost of a Common Carrier fare is charged to your Card account. It is not necessary for you to notify Wells Fargo Bank, N.A., the administrator or Federal Insurance Company (the Company ) when tickets are purchased. The Cost. This travel insurance plan is provided at no additional cost to eligible Insureds. Wells Fargo Bank, N.A. pays the premium. Beneficiary. The Loss of Life benefit will be paid to the beneficiary designated by the Insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: (a) the Insured s spouse or Domestic Partner, (b) the Insured s children, (c) the Insured s parents, (d) the Insured s brothers and sisters, (e) the Insured s estate. All other indemnities will be paid to the Insured. Maximum Benefit Amount: $500,

21 Worldwide Travel Accident Insurance: Worldwide Travel Accident Insurance provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, trip, ship or bus) when the entire fare is charged to your Card. Worldwide Travel Accident Insurance provides coverage up to $500,000. Certain exclusions, restrictions, and limitations apply. Benefit Information: Toll Free: Worldwide Collect: Claims: Fax: Available: 8:00 a.m. 8:00 p.m. EST Monday Friday 8:00 a.m. 12 noon EST Saturday At all other times, including holidays, a telephone call-in service is provided. Certain limitations and exclusions apply. Definitions Insured: Insured means a Cardholder, or such Cardholder s spouse or Domestic Partner, or Unmarried Dependent Children, when such person has purchased Common carrier passage fare entirely with the Cardholder s Card. Common Carrier: Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire. Member: Member means hand or foot. Loss: Loss means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with regard to thumb and index finger, means complete severance through or above the knuckle joints of the thumb and index finger of the same hand; with respect to a foot, complete severance through or above the ankle joint; with respect to eye, means the permanent loss of vision in one eye. Remaining vision must be no better than 20/200 using a corrective aid or device as determined by a physician; with respect to hearing, means the permanent and irrecoverable loss of hearing in both ears, as determined by a physician, with respect to speech, means the permanent and irrecoverable total loss of the capability of speech without the aid of mechanical devices, as determined by a physician. Benefit Amount: Benefit Amount means the Loss amount applicable at the time the entire cost of the passenger fare is charged to a Card account. 21

22 The Plan. As the holder of a Card, you, your spouse or Domestic Partner, and Unmarried Dependent Children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers, coupons, or points has been charged to your Card account. A charge of at least $1 must be charged to your Card Account. If the entire cost of the passenger fare has been charged to your Card account prior to departure for the airport, terminal or station, coverage is also provided for common carrier travel (including taxi, bus, train or airport limousine, including courtesy transportation); immediately, (a) preceding your departure, directly to the airport, terminal or station (b) while at the airport, terminal or station, and (c) immediately following your arrival at the airport, terminal or station of your destination. If the entire cost of the passenger fare has not been charged to your Card account prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your Card. Eligibility. This travel insurance plan is provided to eligible Insureds automatically when the entire cost of a Common Carrier fare is charged to your Card account. It is not necessary for you to notify Wells Fargo Bank, N.A., the administrator or Federal Insurance Company (the Company ) when tickets are purchased. The Cost. This travel insurance plan is provided at no additional cost to eligible Insureds. Wells Fargo Bank, N.A. pays the premium. Beneficiary. The Loss of Life benefit will be paid to the beneficiary designated by the Insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: (a) the Insured s spouse or Domestic Partner, (b) the Insured s children, (c) the Insured s parents, (d) the Insured s brothers and sisters, (e) the Insured s estate. All other indemnities will be paid to the Insured. Maximum Benefit Amount: $500,000. Table of Loss Loss of Life: $500,000 Dismemberment: Loss of both hands, both feet, sight of both eyes, or a combination of any two of a hand, a foot, and the sight of an eye: $500,000 Loss of speech and hearing: $500,000 Loss of speech or hearing and one hand, foot or the sight of an eye: $500,000 Loss of one hand or one foot or entire sight of one eye: $250,000 Loss of speech or hearing: $250,000 Loss of thumb and index finger on the same hand: $125,000 22