Your Prepaid Card Guide to Extended Benefits

Transcription

1 TAB Bank Discver prepaid cards are issued by TAB Bank, Member FDIC. Yur Card May Include Extended Benefits. Yur Prepaid Card Guide t Extended Benefits Aut Rental Cllisin Waiver Cverage, Secndary, $25,000 Cardhlders can benefit frm the security and safety ffered thrugh Excess Cllisin Damage Waiver. If yu rent a vehicle fr 31 cnsecutive days r less (r 45 days under certain circumstances described belw) with yur Card (as defined belw), yu may be eligible fr benefits under this cverage. Excess Cllisin Damage Waiver is an insurance prgram, underwritten by Federal Insurance Cmpany Plicy # (the Plicy ). DEFINITIONS: Accunt means a Card accunt. Actual Cash Value means the cst t repair r replace the Rented Autmbile at the time f lss, less depreciatin. Cardhlder means the hlder f the Card whse name appears n the credit r debit card. Card means the TAB Bank Discver prepaid card as applicable. Cllisin Damage means the direct and accidental damage t a Rented Autmbile caused by upset r cllisin with anther bject. Cllisin Damage des nt include lss caused by missiles, falling bjects, fire, theft r larceny, explsin, earthquake, windstrm, hail, water, fld, malicius mischief r vandalism, rit r civil cmmtin. Cmpany means the Federal Insurance Cmpany. Insured means Cardhlders and authrized users f the Accunt. Plicyhlder means Discver Financial Services, the entity respnsible fr the payment f premium. Rental Agency means a cmmercial autmbile rental cmpany licensed under the laws f the applicable jurisdictin. Rented Autmbile means a fur wheeled private passenger type mtr vehicle r a mini-van manufactured and designed t transprt a maximum f seven passengers and used exclusively t carry passengers. A Rented Autmbile must be designed fr travel n public rads and rented frm Rental Agency. TO GET COVERAGE: The Cllisin Damage Waiver Cverage is prvided t yu, as an Insured, autmatically when the entire rental fee fr the Rented Autmbile is charged r debited t yur Accunt. It is nt necessary fr yu t ntify the Cmpany at the time the rental fee is charged r debited t yur Accunt. Yu must decline the Lss/Damage Waiver ffered by the vehicle Rental Agency. Yu must rent the vehicle in yur wn name and sign the vehicle rental agreement/cntract. The cverage perid will nt exceed 31 cnsecutive days, r 45 cnsecutive days if the Insured is an emplyee f an rganizatin which has prvided a Card t the Insured fr business use. THE KIND OF COVERAGE YOU RECEIVE: In cnsideratin f the premium paid by the Plicyhlder as required, and subject t all the terms f the Plicy, the Cmpany agrees t reimburse n an Actual Cash Value basis either the Insured r the Rental Agency fr repair r replacement f the Rented Autmbile as a result f Cllisin Damage t the Rented Autmbile. The Cmpany's liability will be fr a maximum reimbursement f $25,000. In n event will the Cmpany be liable beynd the amunts actually paid by the Insured r the Rental Agency. If yur r an Insured s primary vehicle insurance r ther cverage has made payments fr a cvered lss, Excess Cllisin Damage Waiver will cver yur deductible and any ther eligible amunts nt cvered by ther insurance. This cverage is nt all-inclusive, which means it des nt cver such things as persnal injury r persnal liability. It des nt cver yu fr any damages t ther vehicles r prperty. It des nt cver yu fr any injury t any party. WHO IS COVERED: The cardhlder. EXCLUDED RENTAL VEHICLES: Off-rad, antique r limited editin mtr vehicles; trucks, recreatinal vehicles, campers, pickup trucks, and mini-buses; limited editin mtr vehicles r high value, extic, high perfrmance r cllectr type; high value mtr vehicles are mtr vehicles whse replacement value exceeds $50,000; and antique mtr vehicles are defined as any vehicle ver 25 years ld, r any vehicle which has nt been manufactured fr 10 years r mre. WHERE YOU ARE COVERED: Cverage applies t vehicles rented anywhere in the wrld. Cverage is nt available where prhibited by law. WHAT IS NOT COVERED: Cverage des nt apply t lss resulting frm the fllwing: Any dishnest, fraudulent r criminal act f the Insured. Frgery by the Insured. Lss due t war r cnfiscatin by authrities. Lss due t nuclear reactin r radiactive cntaminatin. The Insured being intxicated, as defined by the laws f the jurisdictin where the lss ccurred, r under the influence f any narctic unless prescribed by a physician. Use f the Rented Autmbile t carry passengers and prperty fr hire. Use f the Rented Autmbile by a persn ther than the ne authrized t perate the Rented Autmbile by the terms f the Rental Agreement. Lss f use f the Rented Autmbile. Intentinal damage t the Rented Autmbile by the Insured. Damage which is due and cnfined t wear and tear, freezing, mechanical r electrical breakdwn r failure. Damage t tires unless damaged the lss is cincident with a cvered lss. Use f the Rented Autmbile in tests, races r cntests. The Rented Autmbile being perated r lcated in any territry prhibited by the terms f the rental agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: T the extent that this plan prvides insurance against damage t a rented mtr vehicle, the fllwing terms and cnditins apply: (1) the perid f insurance cverage will nt exceed 31 cnsecutive days, r 45 cnsecutive days if the Insured is an emplyee f an rganizatin which has prvided the Card t the Insured fr business use; and (2) the insurance prvided by this plan will be excess ver any ther valid and cllectible insurance cvering the Rented Autmbile. Hwever, the insurance prvided under this plan may be primary if specifically prvided fr under the terms f this plan and if the fllwing criteria is met: (a) the Rented Autmbile is rented fr use utside the United States, its territries and pssessins; (b) the Insured is an emplyee f an rganizatin which has prvided the Card t the Insured fr business use; and (c) the Rented Autmbile is rented withut a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event f a claim, written r verbal ntice must be prvided as sn as reasnably pssible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT: Yu can als g t the Cmpany website ( click n Reprt a Lss, select Accident & Health claims, select the apprpriate frm, print ut the claim frm, fill ut and mail. Yu can file a claim by mail r fax. Mailing Address: Crawfrd & Cmpany P.O. Bx 4090 Atlanta, GA Fax Number: Fax Number CLAIM PROCEDURE: The Insured must send the Cmpany written ntice f a claim, including the Insured's name and Plicy number, within 90 days after a cvered lss ccurs. If ntice cannt be given within that time, it must be given as sn as reasnably pssible. T file a swrn Prf f Lss, the Insured must send the fllwing infrmatin t the Cmpany r its authrized representative: A cpy f the Accunt statement shwing the autmbile rental transactin. A cpy f the autmbile rental agreement. A cpy f the plice reprt. A cpy f the initial claim reprt submitted t the autmbile Rental Agency A cpy f the paid claim presented by the autmbile Rental Agency fr the Cllisin Damage fr which the Insured is respnsible. Prf f submissin f the lss t, and the results f any settlement r denial by the applicable insurance carrier(s). If n ther insurance is applicable, a ntarized statement frm the Insured t that effect. Reminder: Please refer t the Insurance Disclsures sectin. INSURANCE DISCLOSURES As a handy reference guide, please read this dcument and keep it in a safe place with yur ther insurance dcuments. This Summary f Cverage is nt a cntract f insurance but is simply an infrmative statement t eligible Insureds f the principal prvisins f the insurance while in effect. Cmplete prvisins pertaining t this plan f insurance are cntained in the master plicy n file with Discver Financial Services, herein referred t as the Plicyhlder. If a statement in this Summary f Cverage and any prvisin in the plicy differ, the plicy will gvern. Plicy UNDERWRITTEN BY Federal Insurance Cmpany ( Cmpany ) a member f the 15 Muntain View Rad, P.O. Bx 1615 Plan Administratr The Direct Marketing Grup, Inc Bedfrd Avenue Master Plicy Number: Effective date f benefits: Effective August 1, 2013, this guide replaces all prir disclsures, prgram descriptins, advertising, and/r brchures by any party. Plicyhlder and Cmpany reserve the right t change the benefits and features f these prgrams at any time. Cancellatin: Plicyhlder can cancel these benefits at any time r chse nt t renew the insurance cverage fr all authrized Cardhlders. If Plicyhlder des cancel these benefits, yu will be ntified at least 60 days in advance. If the Cmpany terminates, cancels, r chses nt t renew the cverage t Plicyhlder, yu will be ntified as sn as is practicable. Insurance benefits will still apply fr any benefits yu were eligible fr prir t the date f such terminatins, cancellatin, r nn-renewal, subject t the terms and cnditins f cverage. Benefits t yu: These benefits apply nly t Cardhlders whse cards are issued by U.S. financial institutins. The United States is defined as the 50 United States, the District f Clumbia, American Sama, Puert Ric, Guam, and the U.S. Virgin Islands. N persn r entity ther than the Cardhlder shall have any legal r equitable right, remedy, r claim fr insurance prceeds and/r damages under r arising ut f this cverage. These benefits d nt apply if yur Card privileges have been cancelled. Hwever, insurance benefits will still apply fr any benefit yu were eligible fr prir t the date that yur Accunt is suspended r cancelled subject t the terms and cnditins f cverage f yur Cardhlder Agreement. Transfer f rights r benefits: N rights r benefits prvided under these insurance benefits may be assigned withut the prir written cnsent f the Cmpany. Misrepresentatin and Fraud: Cverage f the Insured will be vid if, at any time, the Insured has cncealed r misrepresented any material fact r circumstance cncerning this cverage r the subject theref r the interest f the Insured herein, r in case f any fraud r false swearing by the Insured relating theret. Cverage fr an Insured will be vid if, whether befre r after a lss, the Plicyhlder r its subscribing rganizatin(s) has cncealed r misrepresented any material fact r circumstance cncerning this cverage r the subject theref r the interest f the Insured therein, r in case f any fraud r false swearing by the Plicyhlder r its subscribing rganizatin(s) relating heret. Additin f New Insureds: All eligible persns will be autmatically insured under this Plicy. Examinatin Under Oath: It is a cnditin f this insurance that the Insured and the Plicyhlder, as ften as may be reasnably required by the Cmpany, will submit, and within its pwer cause thers t submit, t examinatins under ath and will prduce fr examinatin all writings, bks f accunt, bills, invices and ther vuchers, r certified cpies theref if riginals are lst, at such reasnable time and place as may be designated by the Cmpany r its representative, and will permit extracts and cpies theref t be made. N such examinatin under ath, examinatin f dcuments r any ther act f the Cmpany, its emplyees r representatives in cnnectin with the investigatin f any lss r claim will be deemed a waiver f any defense and such acts shall be deemed t have been made r dne withut prejudice t the Cmpany's liability. N Benefit t Others: This cverage will in n way inure directly r indirectly t the benefit f any insurer, persn r rganizatin r ther bailee. Subrgatin: It is a cnditin f this insurance that if the Cmpany pays the Insured fr a lss, it will require the Insured t assign and transfer any claim r right f actin against any individual, firm r crpratin fr such lss t the Cmpany r subrgate r hld in trust all such rights t the extent f the amunt paid. The Insured will agree t take actin as requested by the Cmpany t enfrce such rights. Upn payment by the Cmpany t the Insured, the Insured agrees t direct enfrcement f such rights as reasnably requested by the Cmpany and t return t the Cmpany any recvery t the extent payment f lss has been made by the Cmpany. Arbitratin: In the event f a dispute under this plicy, either the Cmpany r the Insured may make a written demand fr arbitratin. In that case, the Cmpany and the Insured will each select an arbitratr. The tw arbitratrs will select a third. If they cannt agree within 15 days, either the Cmpany r the Insured may request that the chice f arbitratr be submitted t the American Arbitratin Assciatin. The arbitratin will be held in the state f the Insured s principal residence.

2 Extended Prduct Warranty Cardhlders are autmatically eligible fr Extended Prduct Warranty prtectin fr mst purchases. This insurance will duble the riginal U.S. Manufacturer s Warranty up t ne additinal year n warranties f 36 mnths r less. Extended Prduct Warranty is an Extended Warranty insurance plicy underwritten by Federal Insurance Cmpany Plicy # (the Plicy ). Keep this cverage descriptin fr yur recrds. THE PLAN As a Cardhlder, yu are autmatically eligible fr Extended Warranty insurance. ELIGIBILITY This insurance plan is prvided t Cardhlders autmatically when the entire cst f the Cvered Purchase is charged t a Card accunt while the insurance is effective. It is nt necessary fr yu t ntify the administratr r Federal Insurance Cmpany (the Cmpany ) when items are purchased. THE COST This insurance plan is prvided at n additinal cst t eligible Cardhlders. WHEN COVERAGE APPLIES We will duplicate the time perid f the riginal U.S. Manufacturer Warranty and any Purchased Warranty n an Insured Persn s Cvered Purchase, up t a maximum f 12 mnths. If a U.S. Manufacturer Warranty r a Purchased Warranty is made up f multiple cmpnents, We will duplicate the time perid f each cmpnent. If the ttal time perid fr the U.S. Manufacturer Warranty and the Purchased Warranty is greater than 36 mnths there is n cverage under this Plicy. In n event will the ttal time perid fr all warranties, including this Plicy, exceed 48 mnths. COVERAGE We will duplicate the terms, cnditins and limitatins f the U.S. Manufacturer Warranty and any Purchased Warranty n an Insured Persn s Cvered Purchase up $10,000 fr repair t defects in material r wrkmanship in a Cvered Purchase; r fr replacement f a Cvered Purchase if repairs t defects cannt be made. This cverage nly applies if the Insured Persn charged r debited the entire cst f the Cvered Purchase t the Insured Persn s Accunt during the Plicy perid. We will reimburse the Insured Persn fr the lesser f: a) The cst f the Cvered Purchase indicated n the Insured Persn's Accunt statement; r b) The actual cst t repair r replace the Cvered Purchase with an item f like kind and quality; r c) The Maximum Benefit Amunt f $10,000. In n event will We be liable beynd the amunts actually paid by the Insured Persn. In n event will We pay mre than the Annual Maximum Benefit Amunt, f $50,000, in any 12 mnth Plicy perid, regardless f the number f claims made in that 12 mnth Plicy perid. DEFINITIONS Accunt means an pen and active Credit Card accunt r Debit Card accunt by any issuer f Discver card prducts. Cardhlder means an individual wh is named n the Accunt card. Cvered Purchase means persnal prperty, including gift items, nt therwise excluded that is purchased in full by the Insured Persn using the Credit Card r Debit Card f an issuer f the Plicyhlder. Insured Persn means a persn, qualifying as a Class member 1) wh elects insurance; r 2) fr whm insurance is elected, 3) and n whse behalf premium is paid. Manufacturer Warranty means a written guarantee t fix any defects in material r wrkmanship in a Cvered Purchase, made t the Insured Persn by the maker f the Cvered Purchase. Purchased Warranty means an ptinal written guarantee t fix any defects in material r wrkmanship in a Cvered Purchase, bught by the Insured Persn at the time f the Cvered Purchase. We, US, and Our means Federal Insurance Cmpany. EXCLUSIONS Insurance under this Plicy des nt apply t Cvered Purchases that: Are services, including but nt limited t the perfrmance r rendering f labr r maintenance, repair r installatin f gds r prperty r prfessinal advice; Are shipping, transprtatin r delivery csts; Are bats, autmbiles, aircraft r any ther mtrized vehicles, r mtrized vehicle parts subject t high risk, cmbustible wear and tear r mileage stipulatins; Are land, buildings, permanently installed items, fixtures r structures; Are plants, shrubs, pets, cnsumables r perishables; Are cmputer sftware r applicatins; Are purchased fr resale, prfessinal r cmmercial use; Are still cvered under the U.S. Manufacturer Warranty r Purchased Warranty; Did nt riginally cme with a U.S. Manufacturer Warranty r Purchased Warranty; Are used, rebuilt, refurbished r remanufactured. Insurance under this Plicy des nt apply t defects in material r wrkmanship f a Cvered Purchase that are: Nt cvered under the terms f either the riginal U.S. Manufacturer Warranty r Purchased Warranty Repaired at a repair facility that is nt authrized by the riginal prduct manufacturer; Cvered by a prduct recall; The result f a pwer surge; The result f nrmal wear and tear; The result f any hazardus, pathgenic r pisnus, bilgical, chemical, nuclear r radiactive material, gas, matter r cntaminatin. HOW TO FILE A CLAIM The Insured Persn must send the Administratr written ntice f a claim, including Insured Persn's name and Plicy number, within 45 days after a cvered lss ccurs. Benefit and claim infrmatin is available by calling the Card Benefits Center, , Mnday thrugh Friday 8 a.m. t 8 p.m. (EST) and Saturday frm 8 a.m. t 12 p.m. (except hlidays). The Insured Persn must: a) prtect the Cvered Purchase frm further lss r damage; b) reprt any lss t the Administratr; c) cmplete the claim frm and return alng with legible cpies f the riginal U.S. Manufacturer Warranty, Purchased Warranty, Accunt statement shwing the purchase f the Cvered Purchase and riginal purchase receipt t the Administratr; d) prvide a cpy f the repair bill r a statement indicating that the item cannt be repaired alng with evidence that the Cvered Purchase has actually been replaced r repaired; e) cperate with the Administratr in the investigatin, settlement r handling f any claims; f) permit the Administratr t questin the Insured Persn under ath whenever Our investigatin deems it necessary. All statements taken will be signed by the Insured Persn; and, g) authrize the Administratr t btain recrds, reprts r any ther dcumentatin requested necessary t Our investigatin r t verify the claim. CLAIM FORMS When the Administratr is tld f a claim, the Administratr will give the Insured Persn frms fr filing Prf f Lss. If these frms are nt given t the Insured Persn within 15 days the Insured Persn will meet Prf f Lss requirements by giving the Administratr a written descriptin f the cvered lss. CLAIM PROOF OF LOSS Cmplete Prf f Lss must be given t the Administratr within 90 days after a cvered lss. CLAIM PAYMENT Reimbursement fr cvered lsses will be paid t the Insured Persn within 60 days after the Administratr receives Prf f Lss. EFFECTIVE DATE Cverage begins autmatically at the latest f the fllwing: a. n the date the plicy is effective; b. at the beginning f the Plicy term fr which premium has been paid; r c. n the date the Insured falls within the classes f persns specified in the Class Schedule. Cverage ends autmatically at the earliest f the fllwing: a. n the date the plicy is terminated; b. n the expiratin f the plicy term fr which premium has been paid; c. n the date the Insured n lnger falls within the classes f persns specified in the Class Schedule; r d. n the expiratin date f any applicable perid f cverage fr an Insured. As a handy reference guide, please read this dcument and keep it in a safe place with yur ther insurance dcuments. This Summary f Cverage is nt a cntract f Insurance but is simply an infrmative statement t eligible Insureds f the principal prvisins f the insurance while in effect. Cmplete prvisins pertaining t this plan f insurance are cntained in the master plicy # n file with DFS Services LLC. If a statement in this Summary f Cverage and any prvisin in the plicy differ, the plicy will gvern. PLAN ADMINISTRATOR The Direct Marketing Grup Bedfrd Avenue PLAN UNDERWRITTEN BY Federal Insurance Cmpany a member f the 15 Muntain View Rad, P.O. Bx 1615 Lst r Damaged Luggage Insurance Cardhlders will be reimbursed up t $1,500 if yur checked luggage is lst r damaged while traveling n a cmmn carrier. Keep this evidence f cverage fr yur recrds. Virginia Surety Cmpany, Inc. 175 W. Jacksn Blvd., Chicag, IL Lst r Damaged Baggage Evidence f Cverage Refer t Key Terms KT-CC-EOC (9.08) fr the definitins f yu, yur, we, us, ur, and wrds that appear in bld and Final Legal Disclsures CC-FLD (9.08). A. T get cverage: Yu must pay the entire cst f the cmmn carrier ticket(s) with yur cvered card and/r accumulated pints frm yur cvered card. B. The kind f cverage yu receive: Reimbursement fr the actual cst f repairing r replacing yur checked baggage and persnal prperty cntained therein that is lst r damaged. Cverage begins when the baggage is checked in t the cmmn carrier by yu. This includes curbside check in with facility-designated persnnel. Cverage ends each time yu regain pssessin f the checked baggage frm the cmmn carrier r twenty-fur (24) hurs after yu depart frm the cmmn carrier, whichever cmes first. Cverage is secndary t any ther applicable insurance r cverage available t yu including benefits prvided by the cmmn carrier (including, but nt limited t, gdwill payments, refunds, credit/vuchers). Cverage is limited t nly thse amunts nt cvered by any ther insurance r cverage, r cmmn carrier benefits (including, but nt limited t, gdwill payments, refunds, credit/vuchers). C. Cverage limitatins: Cverage is limited t the actual cst, up t $1500 per incident f repairing r replacing yur checked baggage and any persnal prperty cntained within. There is a maximum f tw (2) claim(s) per twelve (12) mnth perid. D. Where yu are cvered: Cverage is available in the United States f America. E. What is NOT cvered: Lss r damage f baggage r persnal prperty fr regularly scheduled shrt-distance travel under ne hundred (100) miles. Lss r damage resulting frm any dishnest, fraudulent, r criminal act cmmitted r arranged by yu. Lss resulting frm war r hstilities f any kind (including, but nt limited t, invasin, terrrism, rebellin, insurrectin, rit, r civil cmmtin); cnfiscatin, exprpriatin r detentin by any gvernment, public authrity, r custms fficial; illegal activity r acts. Lss resulting frm cntaminatin by radiactive r hazardus substances, including mld. Sprting equipment r musical instruments, unless checked in as luggage with the cmmn carrier and fr which a claim check has been issued. Electrnic equipment (including, but nt limited t, laptps, PDAs, vide/film cameras, r hearing aids). Eyeglasses, cntact lenses, prsthetic devices, dentures, silverware, furs, husehld furniture, r dcuments (including, but nt limited t, visas and IDs). Plants, shrubs, animals, cnsumables, and perishables.

3 Traveler s checks, tickets f any kind (e.g., fr airlines, sprting events, cncerts, r lttery), negtiable instruments, bullin, rare, r precius metals, stamps, and cins, currency r its equivalent. Jewelry, art, used r antique items; cllectibles f any kind (such as items designed fr peple t cllect r items that ver time becme cllectibles); recycled, previusly wned, refurbished, rebuilt, r remanufactured items. Defective material r wrkmanship, rdinary wear and tear r nrmal deteriratin. Lss r damage nt reprted within the time perid required, as stipulated in the claim prcedure. Lss r damage where the cmmn carrier cmpletely denies a claim fr checked baggage. Items excluded under the cmmn carrier s cverage. Lss r damage where the cmmn carrier pays the claim in full r repairs the damage. Interest r cnversin fees that are charged t yur Card by the financial institutin. F. Hw t file a claim under Lst r Damaged Baggage cverage: Call the TWG Innvative Slutins, Inc. at t request a claim frm. Yu must reprt the claim within sixty (60) days f the incident r the claim may nt be hnred. Reprt within twenty-fur (24) hurs any lss r damage t the cmmn carrier. Submit the fllwing dcumentatin within ne hundred and eighty (180) days f the date f incident r the claim may nt be hnred: Cmpleted and signed claim frm. Receipt shwing the purchase f cmmn carrier tickets. Statement shwing the purchase f cmmn carrier tickets. Cpy f initial claim reprt submitted t the cmmn carrier. Cvered card travel pint prgram statement shwing the cmmn carrier ticket was paid fr with redeemed pints. Reprt frm plice, if applicable. The result f any settlement by the cmmn carrier. Receipts shwing that yur luggage r persnal prperty has actually been repaired r replaced. Any ther dcumentatin that may be reasnably requested by us r ur designated representative t validate a claim LDL-CC-EOC (9.08) Key Terms The fllwing Key Terms apply t the fllwing benefits: Lst/Damaged Luggage. Key Terms: Thrughut this dcument, Yu and Yur refer t the cardhlder r authrized user f the cvered card. We, Us, and Our refer t Virginia Surety Cmpany, Inc. Administratr means TWG Innvative Slutins, Inc. yu may cntact the administratr if yu have questins regarding this cverage r wuld like t make a claim. The administratr can be reached by phne at Authrized User means an individual wh is authrized t make purchases n the cvered card by the cardhlder and is recrded by the Participating Organizatin n its recrds as being an authrized user. Cardhlder means the persn wh has been issued an accunt by the Participating Organizatin fr the cvered card. Checked baggage means suitcases r ther cntainers specifically designated fr carrying persnal prperty, fr which a claim check has been issued t yu by a cmmn carrier. Cmmn carrier means an air, r land, r water mtrized transprtatin carrier perating under a regularly published schedule and current license as required by law fr the cnveyance f passengers. Cmmn carrier des nt include helicpters, taxis, rental cars, hired cars, and private and cntract carriers. Cvered card means the TAB Bank Discver prepaid card. Damage means items that can n lnger perfrm the functin they were intended t d in nrmal service due t brken parts, material r structural failures. Evidence f Cverage (EOC) means The dcument describe the terms, cnditins, and exclusins. The EOC, Key Terms, and Final Legal Disclsures are the entire agreement between Yu and Us. Representatins r prmises made by anyne that are nt cntained in the EOC, Key Terms, r Final Legal Disclsures are nt a part f yur cverage. Lst means luggage (including persnal prperty cntained within) that is missing fr ten (10) cnsecutive days and whse whereabuts are unknwn t yu r the cmmn carrier.] United States Dllars (USD) means the currency f the United States f America. KT-CC-EOC (9.08) Virginia Surety Cmpany, Inc. 175 W. Jacksn Blvd., Chicag, IL Final Legal Disclsure This Guide is nt, by itself, a plicy r cntract f insurance r ther cntract. Benefits are purchased and prvided free t yu, but nn-insurance services may have assciated csts, which will be yur respnsibility (fr example, legal referrals are free, but the lawyer s fee is yur respnsibility). Lst r Damaged Baggage cverage is prvided under a Grup Plicy f insurance issued by Virginia Surety Cmpany, Inc. This Guide is intended as a summary f benefits prvided t yu. The attached Key Terms and EOC and all the infrmatin abut the insurance benefits listed in this Guide is gverned by the cnditins, limitatins, and exclusins f the Grup Plicy. Privacy Ntice: As the insurer f the cvered card cverage described herein, Virginia Surety Cmpany, Inc. ( VSC ) cllects persnal infrmatin abut yu frm the fllwing surces: Infrmatin the insurer gathers frm yu, frm yur request fr insurance cverage r ther frms yu furnish t the insurer, such as yur name, address, telephne number, and infrmatin abut yur transactins with the insurer such as claims made and benefits paid. The insurer may disclse all infrmatin it cllects, as described abve, t cmpanies that perfrm administrative r ther services n ur behalf slely in cnnectin with the insurance cverage yu have received. The insurer des nt disclse any persnal infrmatin abut frmer insureds t anyne, except as required by law. The insurer restricts access t persnal infrmatin abut yu t thse emplyees wh need t knw that infrmatin in rder t prvide cverage t yu. The insurer maintains physical, electrnic, and prcedural safeguards that cmply with federal regulatins t guard yur persnal infrmatin. Shuld yu have any questins abut the insurance prcedures r the infrmatin cntained within yur file, please cntact the insurer by writing t: Cmpliance Department Virginia Surety Cmpany, Inc. 175 West Jacksn Blvd., Chicag, IL Effective date f benefits: Effective August 1, 2013, this Guide replaces all prir disclsures, prgram descriptins, advertising, and brchures by any party. The Plicyhlder and the insurer reserve the right t change the benefits and features f these prgrams at anytime. Ntice will be prvided fr any changes. Cancellatin: The Plicyhlder can cancel these benefits at any time r chse nt t renew the insurance cverage fr all cardhlders. If the Plicyhlder des cancel these benefits, yu will be ntified at least sixty (60) days in advance. If the insurance cmpany terminates, cancels, r chses nt t renew the cverage t the Plicyhlder, yu will be ntified as sn as is practicable. Insurance benefits will still apply fr any benefits yu were eligible fr prir t the date f such terminatins, cancellatin, r nnrenewal, subject t the terms and cnditins f cverage. Benefits t yu: These benefits apply nly t the cardhlder whse cards are issued by U.S. financial institutins. The United States is defined as the fifty (50) United States, the District f Clumbia, American Sama, Puert Ric, Guam, and the U.S. Virgin Islands. N persn r entity ther than the cardhlder shall have any legal r equitable right, remedy, r claim fr benefits, insurance prceeds and damages under r arising ut f these prgrams. These benefits d nt apply if yur card privileges have been cancelled. Hwever, insurance benefits will still apply fr any benefit yu were eligible fr prir t the date that yur accunt is suspended r cancelled, subject t the terms and cnditins f cverage. Transfer f rights r benefits: N rights r benefits prvided under these insurance benefits may be assigned withut the prir written cnsent f the claim administratr fr these benefits. Misrepresentatin and Fraud: Benefits shall be vid if the cardhlder has cncealed r misrepresented any material facts cncerning this cverage. Dispute Reslutin Arbitratin: This EOC requires binding arbitratin if there is an unreslved dispute between Yu and VSC cncerning this EOC (including the cst f, lack f r actual repair r replacement arising frm a lss). Under this Arbitratin prvisin, Yu give up yur right t reslve any dispute arising frm this EOC by a judge and/r a jury. Yu als agree nt t participate as a class representative r class member in any class actin litigatin, any class arbitratin r any cnslidatin f individual arbitratins. In arbitratin, a grup f three (3) arbitratrs (each f whm is an independent, neutral third party) will give a decisin after hearing Yur and Our psitins. The decisin f a majrity f the arbitratrs will determine the utcme f the arbitratin and the decisin f the arbitratrs shall be final and binding and cannt be reviewed r changed by, r appealed t, a curt f law. T start arbitratin, either Yu r VSC must make a written demand t the ther party fr arbitratin. This demand must be made within ne (1) year f the earlier f the date the lss ccurred r the dispute arse. Yu and VSC will each separately select an arbitratr. The tw (2) arbitratrs will select a third arbitratr called an "umpire." Each party will each pay the expense f the arbitratr selected by that party. The expense f the umpire will be shared equally by Yu and VSC. Unless therwise agreed t by Yu and VSC, the arbitratin will take place in the cunty and state in which Yu live. The arbitratin shall be gverned by the Federal Arbitratin Act (9 U.S.C.A. 1 et. seq.) and nt by any state law cncerning arbitratin. The rules f the American Arbitratin Assciatin ( will apply t any arbitratin under this EOC. The laws f the state f Illinis (withut giving effect t its cnflict f law principles) gvern all matters arising ut f r relating t this EOC and all transactins cntemplated by this EOC, including, withut limitatin, the validity, interpretatin, cnstructin, perfrmance and enfrcement f this EOC. Due Diligence: All parties are expected t exercise due diligence t avid r diminish any theft, lss r damage t the prperty insured under these prgrams. Due diligence means the perfrmance f all vigilant activity, attentiveness, and care that wuld be taken by a reasnable and prudent persn in the same r similar circumstances in rder t guard and prtect the item. Subrgatin: If payment is made under these benefits, the insurance cmpany is entitled t recver such amunts frm ther parties r persns. Any party r cardhlder wh receives payment under these benefits must transfer t the insurance cmpany his r her rights t recvery against any ther party r persn and must d everything necessary t secure these rights and must d nthing that wuld jepardize them, r these rights will be recvered frm the cardhlder. Salvage: If an item is nt repairable, the claim administratr may request that the cardhlder r gift recipient send the item t the administratr fr salvage at the cardhlder s r gift recipient s expense. Failure t remit the requested item fr salvage t the claim administratr may result in denial f the claim. Other Insurance: Cverage is secndary t any ther applicable insurance r indemnity available t Yu. Cverage is limited t nly thse amunts nt cvered by any ther insurance r indemnity. It is subject t the cnditins, limitatins, and exclusins described in this dcument. In n event will this cverage apply as cntributing insurance. This Other Insurance clause will take precedence ver a similar clause fund in ther insurance r indemnity language. In n event will these insurance benefits apply as cntributing insurance. The nn-cntributin insurance clause will take precedence ver the nn-cntributin clause fund in any ther insurance plicies. Benefits listed in this Guide are subject t the cnditins, limitatins, and exclusins described in each benefit sectin. Receipt and/r pssessin f this Guide des nt guarantee cverage r cverage availability Lwest Purchase Price Guarantee This benefit reimburses yu fr the cst difference between the riginal purchase price f a cvered item purchased in full with yur eligible TAB Bank Discver prepaid card and the subsequent lwer price when yur eligible purchases are fund at any stre fr a lwer price. Lwest Purchase Price Guarantee Descriptin f Cverage Overview Tab Bank Discver prepaid cardmembers will be reimbursed fr the cst difference between the riginal purchase price f a cvered item and the subsequent lwer price when their eligible recent purchases are fund at any stre fr a lwer price. Yu are autmatically eligible if the entire purchase is made with yur TAB Bank Discver prepaid card. Keep this evidence f cverage fr yur recrds. Detailed Descriptin Cverage applies when the identical item is fund at a lwer price, at any stre, within 60 days after the riginal purchase date.

4 Eligible Items fr This Benefit Mst new nncmmercial retail prducts that are purchased in full with an eligible TAB Bank Discver prepaid card are eligible fr this benefit. Benefit Level There is a per-item limit f $250 and an annual prgram payment limit f $1,000 per accunt. Cverage is limited t three f an identical item with a limit f ne refund per eligible item. Payment is made net f any applicable taxes, strage, shipping, handling and pstage charges. Wh is Cvered This cverage is prvided t TAB Bank Discver prepaid cardmembers autmatically whenever their TAB Bank Discver prepaid card is used fr the entire purchase price f a cvered item. N registratin f the cvered purchase is necessary. Cst This plan is prvided at n additinal cst t TAB Bank Discver prepaid Cardmembers. Exclusins and Limitatins The Lwest Purchase Price Guarantee prgram applies nly t items purchased in the United States f America, including Alaska and Hawaii. It des nt cver any f the fllwing: 1. Claims made n purchases made befre 8/1/13 2. Services 3. Any used, rebuilt, remanufactured r secnd-hand items 4. Cnsumable and perishable items including, but nt limited t, fd, fuel, il, husehld prducts and csmetics 5. Jewelry, travelers checks, tickets f any kind, negtiable instruments and bullin 6. Rare r precius cins r stamps, cllectibles, antiques and art bjects 7. Mtrized vehicles and their parts including, but nt limited t, bats, airplanes, autmbiles, trucks and mtrcycles 8. Flr mdels, demnstratr mdels and ne-f-a-kind items 9. Live animals and live plants 10. Negtiated sales, ne-f-a kind sales, cash-nly sales 11. Clse-ut/liquidatin/ging-ut-f-business sales but nly as they relate t a business (nt a particular item) ging ut f business 12. Emplyee discunts 13. Prducts purchased at Internet auctin sites 14. Items advertised r shwn as price qutes r bids frm an Internet auctin site 15. Items that are advertised as buy ne, get ne free r where the advertised price includes free ffers r includes a bnus ffer 16. Merchandise purchased thrugh the redemptin f Cashback Bnus r Miles in the Merchandise Center r Discver Exclusives n Discver.cm 17. Digital dwnlads including, but nt limited t, music, mvies, bks, mbile apps and ecertificates 18. Gift cards 19. Special discunts ffered thrugh a specific retailer membership r rewards prgram 20. Travel and travel related services Claims Prcess Wh t Cntact Benefit and claim infrmatin is available by cntacting Claims Administratin. The tll-free number, , is available Mnday thrugh Friday frm 8:00am 9:00pm (EST). Claim Ntice Deadline Yu must reprt the claim within 90 days f the riginal purchase date r the claim may nt be hnred. Claim Submissin Deadline All necessary dcumentatin must be pstmarked within 30 days f the request fr the claim frm. Any additinal dcumentatin must be received within 60 days f the request fr such infrmatin in rder fr the claim t remain eligible fr payment. Prving a Lss Submit the fllwing dcumentatin by the Claim Submissin Deadline: Cmpleted and signed claim frm. The TAB Bank Discver prepaid card statement shwing the entire riginal purchase price. The sales receipt indicating the date, the stre, the item and the amunt f purchase Either a cpy f the dated, printed, lwer-price ad, r a statement, signed by the stre manager n stre statinery, dcumenting the details f the lwer price f the identical item. Claim Payment Reimbursement fr eligible claims will be mailed t the Cardmember within 15 days. Insurer/Administratr Underwriter and Administratr Cnnexins Lyalty, Claims Administratin P.O. Bx 6175 Westerville, Ohi Purchase Prtectin Cardhlders are eligible fr up t $500 in reimbursement fr a recently purchased item that is damaged r stlen. Yu are autmatically eligible if the entire purchase is made with yur TAB Bank Discver prepaid card. Purchase Prtectin is a Buyer Prtectin insurance plicy underwritten by Federal Insurance Cmpany Plicy # (the Plicy ). Keep this cverage descriptin fr yur recrds. THE PLAN As a Cardhlder, yu are autmatically eligible fr Buyer Prtectin insurance. ELIGIBILITY This insurance plan is prvided t Cardhlders, autmatically when the entire cst f the Cvered Purchase is charged t a Card accunt while the insurance is effective. It is nt necessary fr yu t ntify the administratr r Federal Insurance Cmpany (the Cmpany ) when items are purchased. THE COST This insurance plan is prvided at n additinal cst t eligible Cardhlders. WHEN COVERAGE APPLIES Cverage applies fr 90 days immediately fllwing a Cvered Purchase. COVERAGE We will reimburse the Insured Persn up t $500 fr Cvered Purchases that are damaged r stlen, except if stlen frm vehicles. This cverage nly applies if the Insured Persn charged r debited the entire cst f the Cvered Purchase t the Insured Persn s Accunt during the Plicy perid. We will reimburse the Insured Persn fr the lesser f: 1) the cst f the Cvered Purchase indicated n the Insured Persn's Accunt statement; r 2) the Benefit Amunt f $500. In n event will We be liable beynd the amunts actually paid by the Insured Persn. In n event will We pay mre than the Annual Maximum Benefit Amunt f $50,000 in any 12 mnth Plicy perid, regardless f the number f claims made in that 12 mnth Plicy perid. The Benefit Amunt is payable n an excess basis ver and abve any amunt due frm any ther valid r cllectible insurance r any ther frm f reimbursement payable by thse respnsible fr the lss r damage. DEFINITIONS Accunt means an pen and active Credit Card accunts r Debit Card accunts by any issuer f Discver card prducts. Cardhlder means an individual wh is named n the Accunt card. Cvered Purchase means persnal prperty, including gift items, nt therwise excluded that is purchased in full by the Insured Persn using the Credit Card r Debit Card f an issuer f the Plicyhlder. Cvered Purchase des nt include charges fr shipping, handling, transprtatin and delivery. Due Diligence means the effrt that wuld be made by a reasnable and prudent persn t prtect the Cvered Purchase frm theft r damage. Fine Art means paintings, etchings, pictures, tapestries, ther bna fide wrks f art including but nt limited t statues, rare bks and manuscripts, prcelains, rare glass, and items f histrical value r artistic merit. Insured Persn means a persn, qualifying as a Class member 1) wh elects insurance; r 2) fr whm insurance is elected, 3) and n whse behalf premium is paid. Natural Disaster means an event, including but nt limited t wind strm, rain, snw, sleet, hail, lightning, dust r sand strm, earthquake, trnad, fld, vlcanic eruptin, wildfire r ther similar event that: 1) is due t natural causes; and 2) results in severe damage such that the area in which lss ccurs is declared a disaster area by a cmpetent gvernmental authrity having jurisdictin. Prf f Lss means: a) a cpy f the Accunt statement shwing the purchase f the Cvered Purchase; b) a cpy f the initial claim reprt submitted t the Administratr; c) a cpy f the plice reprt; d) prf f submissin f the lss t, and the results f any settlement by, the vendr; e) prf f submissin f the lss t, and the results f any settlement r denial by, the Insured Persn's persnal insurance carrier. War means: 1) hstilities fllwing a frmal declaratin f war by a gvernmental authrity; 2) in the absence f a frmal declaratin f War by a gvernmental authrity armed, pen and cntinuus hstilities between tw cuntries; r 3) armed, pen and cntinuus hstilities between tw factins, each in cntrl f territry, r claiming jurisdictin ver the gegraphic area f hstility. We, Us, and Our means Federal Insurance Cmpany. EXCLUSIONS Insurance under this Plicy des nt apply t Cvered Purchases f: prfessinal advice; bats; mtrized vehicles (including but nt limited t airplanes, autmbiles, mpeds, mtrcycles and ther mtr vehicles) r their mtrs, equipment and accessries (including cmmunicatin devices intended slely fr the use in the vehicle); land r buildings (including but nt limited t hmes and dwellings); travelers' checks, tickets f any kind, negtiable instruments, bullin, rare r precius cins, cash r its equivalent (including gift cards and gift certificates); perfumes, plants r animals; cnsumables and perishables; antique items r cllectibles; cmputer sftware r prgrams; items purchased fr resale items purchased fr prfessinal r cmmercial use with a nnbusiness cards medical equipment; used, rebuilt, refurbished r remanufactured gds; shipping, handling, r transprtatin charges fr the cst f delivery f any Cvered Purchase; articles in a pair r set, cverage will be limited t n mre than the value f any particular part r parts unless the articles are unusable individually and cannt be replaced individually, regardless f any special value the article may have had as part f a set r cllectin; mre than ne part r parts f a pair r set f jewelry r Fine Art. This insurance des nt apply t lss r damage f a Cvered Purchase caused directly r indirectly by: Theft f i) persnal prperty frm vehicles, ii) persnal prperty when the Insured Persn fails t exercise Due Diligence and iii) persnal prperty stlen frm public places when the Insured Persn fails t exercise Due Diligence; Theft must be reprted t the plice r an apprpriate authrity within 36 hurs Lss f i) persnal prperty with n evidence f a wrngful act; ii) baggage and/r its cntents unless carried by the Insured Persn by hand r under the Insured Persn s persnal supervisin r a traveling cmpanin previusly knwn t the Insured Persn; iii) prperty by the United States Pstal Service (USPS) r any ther delivery service Any fraudulent r illegal activity f the Insured Persn Wear and tear r gradual deteriratin Mths, vermin, inherent vice Prduct defects r items cvered by a manufacturer s recall Damage sustained due t any prcess r while actually being wrked upn and resulting there frm Cnfiscatin by any gvernment, public authrity r custms fficial Natural Disaster Failure f the Insured Persn t exercise Due Diligence t avid r diminish lss r damage Pwer surge r pwer lss Any hazardus, pathgenic r pisnus, bilgical, chemical, nuclear r radiactive material, gas, matter r cntaminatin War HOW TO FILE A CLAIM The Insured Persn must send the Administratr written ntice f a claim, including Insured Persn s name and Plicy number within 45 days after a cvered lss ccurs. Benefit and claim infrmatin is available frm the Card Benefits Center, , Mnday thrugh Friday 8 a.m. t 8 p.m. (EST) and Saturday frm 8 a.m. t 12 p.m. (except hlidays). The Insured Persn must: a) prtect the Cvered Purchase frm further lss r damage; b) reprt any lss t the apprpriate fficial representatives such as the plice and the Administratr within 45 days frm the date f theft r damage; c) cmplete the claim frm and return alng with legible cpies f the Accunt statement shwing the purchase f the Cvered Purchase and riginal purchase receipt; d) prvide a phtgraph f any damaged Cvered Purchase, a cpy f the repair bill r a statement indicating that the item cannt be repaired alng with evidence that the Cvered Purchase has actually been replaced r

5 repaired, if applicable; e) prvide a fire r plice reprt, if applicable; f) prf f submissin f the lss t, and the results f any settlement by the vendr; g) prf f submissin f the lss t, and the results f any settlement r denial by the Insured Persn's persnal insurance carrier h) prvide dcumentatin f any ther persnal insurance r a statement that n ther insurance exists; i) prvide a third party statement regarding circumstances f the theft r damage; j) submit Prf f Lss t the Administratr l) cperate with the Administratr in the investigatin, settlement r handling f any claims; m) permit the Administratr t questin the Insured Persn under ath whenever Our investigatin deems it necessary. All statements taken will be signed by the Insured Persn; and n) authrize the Administratr t btain recrds, reprts r any ther dcumentatin requested necessary t Our investigatin r t verify the claim. CLAIM FORMS When the Administratr is tld f a claim, the Administratr will give the Insured Persn frms fr filing Prf f Lss. If these frms are nt given t the Insured Persn within 15 days the Insured Persn will meet Prf f Lss requirements by giving the Administratr a written descriptin f the cvered lss. CLAIM PROOF OF LOSS Cmplete Prf f Lss must be given t the Administratr within 90 days after a cvered lss. CLAIM PAYMENT Reimbursement fr cvered lsses will be paid t the Insured Persn within 60 days after the Administratr receives Prf f Lss. EFFECTIVE DATE Cverage begins autmatically at the latest f the fllwing: a. n the date the plicy is effective; b. at the beginning f the Plicy term fr which premium has been paid; r c. n the date the Insured falls within the classes f persns specified in the Class Schedule. Cverage ends autmatically at the earliest f the fllwing: a. n the date the plicy is terminated; b. n the expiratin f the plicy term fr which premium has been paid; c. n the date the Insured n lnger falls within the classes f persns specified in the Class Schedule; r d. n the expiratin date f any applicable perid f cverage fr an Insured. As a handy reference guide, please read this dcument and keep it in a safe place with yur ther insurance dcuments. This Summary f Cverage is nt a cntract f Insurance but is simply an infrmative statement t eligible Insureds f the principal prvisins f the insurance while in effect. Cmplete prvisins pertaining t this plan f insurance are cntained in the master plicy # n file with DFS Services LLC. If a statement in this Summary f Cverage and any prvisin in the plicy differ, the plicy will gvern. PLAN ADMINISTRATOR The Direct Marketing Grup Bedfrd Avenue PLAN UNDERWRITTEN BY Federal Insurance Cmpany a member f the 15 Muntain View Rad, P.O. Bx 1615 Purchase Return Guarantee Return any qualifying TAB Bank Discver prepaid card purchase within 90 days fr up t a $250 refund when the riginal stre will nt issue a refund. Purchase Return Guarantee Terms and Cnditins Overview Purchase Return Guarantee ffers the ptin t return, fr a refund, any qualifying item purchased in full with an eligible TAB Bank Discver prepaid card when the riginal stre will nt issue a refund. Dissatisfactin ver the item must be fr a cvered reasn. Keep this cverage descriptin fr yur recrds. Detailed Descriptin If a Cardmember is dissatisfied with a purchase made with a TAB Bank Discver prepaid card (r accrued Cashback Bnus r Miles) fr a reasn ther than imprper functining and the stre des nt prvide a refund, Return Guarantee can prvide yu a refund. The Cardmember shuld first seek a refund frm the stre r nline retailer and then cntact Claims Administratin within 90 days f the riginal purchase date. Mst new, nn-cmmercial, retail prducts that are purchased in full with an eligible TAB Bank Discver prepaid card (and/r accrued Cashback Bnus r Miles) are eligible fr this benefit. The item still needs its riginal packaging and shuld be in gd cnditin and in wrking rder. Benefit Level There is a per item limit f $250 and an annual prgram payment limit f $1,000 per accunt. Payment is made net f any applicable taxes, strage, shipping, handling and pstage charges. Eligible Items fr This Benefit Mst new, nn-cmmercial, retail prducts that are purchased in full with an eligible TAB Bank Discver prepaid card are eligible fr this benefit. Wh is Cvered This cverage is prvided t TAB Bank Discver prepaid cardmembers whenever they use their TAB Bank Discver prepaid card (and/r accrued Cashback Bnus r Miles) fr the entire purchase price f a cvered item. N registratin f the cvered purchase is necessary. Cst This plan is prvided at n additinal cst t TAB Bank Discver prepaid cardmembers. EXCLUSIONS: 1. The Purchase Return Guarantee prgram applies nly t items purchased in the United States f America, including Alaska and Hawaii. This prgram des nt cver any f the fllwing: Claims made n purchases made befre August 1, Prducts used fr cmmercial r business use 3. Fraud, abuse, intentinal acts, neglect and misapplicatin f the cnsumer prduct 4. Items where nrmal wear and tear r deteriratin is evident 5. Items that are nt in wrking rder 6. Items expsed t radiactive cntaminatin 7. Mtrized vehicles f any kind and their parts and equipment, including but nt limited t bats r watercraft, air vehicles, autmbiles, trucks and mtrcycles 8. Travelers checks, cash r its equivalent r any ther negtiable instrument 9. Tickets f any kind, art bjects, rare r precius cins r stamps, bullin, antiques 10. Any used, rebuilt, remanufactured r secndhand items 11. Prducts which are custmized 12. Prduct defects 13. Dwellings and their permanent fixtures (i.e., wallpaper, wall-twall carpeting) 14. Cnsumable and perishable items including, but nt limited t, fd, fuel, il, husehld prducts and csmetics 15. Any item which is attached t, embedded in r therwise becmes appurtenant t earth r sil 16. Services 17. Items which are paid fr, either partially r cmpletely, with sme surce f funds ther than the spnsring institutin's card 18. Live animals and live plants 19. Prducts purchased at Internet auctin sites 20. Digital dwnlads including, but nt limited t, music, mvies, bks, mbile apps and ecertificates 21. Gift cards 22. Travel and travel-related services 23. Weapns Claims Prcess Wh t Cntact If an item des nt functin prperly, please cntact the manufacturer. Otherwise, if the Cardmember is unable t btain a refund frm the stre within 60 days f purchase, benefit and claim infrmatin is available by cntacting Claims Administratin. The tll-free number, , is available Mnday thrugh Friday frm 8:00am 9:00pm (EST). Claim Ntice Deadline Yu must reprt the claim within 90 days f the riginal purchase date r the claim may nt be hnred. Claim Submissin Deadline All necessary dcumentatin must be pstmarked within 30 days f the request fr the claim frm. Any additinal dcumentatin must be received within 60 days f the request fr such infrmatin in rder fr the claim t remain eligible fr payment. Prving a Lss Submit the fllwing dcumentatin by the Claim Submissin Deadline: Cmpleted and signed claim frm. The TAB Bank Discver prepaid card statement shwing the entire riginal purchase price. The sales receipt indicating the date, the stre, the item and the amunt f purchase Written dcumentatin frm the stre manager r equivalent n stre letterhead dcumenting the refusal t accept the returned item. The item must be returned t Claims Administratin befre any claim will be paid. Yu will be respnsible fr all mailing csts. Claim Payment Reimbursement fr eligible claims will be mailed t the Cardmember within 15 days. Insurer/Administratr Underwriter and Administratr Cnnexins Lyalty, Claims Administratin P.O. Bx 6175 Westerville, Ohi Radside Dispatch With this Radside Dispatch ptin, cardhlders have access t emergency rad and tw service t assist them during thse unexpected encunters n the rad. Details f these services are utlined belw. Emergency Rad and Tw Service:* By calling the tll-free number, , cardhlders can access emergency radside assistance, anywhere in the United States and Canada, 24 hurs a day, 365 days a year. The benefits f the prgram include: 24-Hur Tll-Free Assistance Number - One cnvenient tllfree number prvides access t all emergency assistance benefits thrughut the United States. Emergency Twing and Wrecker Service - Twing/wrecker service fr transprting disabled mtr vehicles t an authrized service/repair facility, an autmbile dealer r t the service repair facility specified by the cardhlder. Emergency Radside Assistance* - Jump starts/battery bsts, emergency fuel/fluids delivery (cst f fuel/fluids are payable by cardhlder), tire change (cardhlder prvided spare lcated with the disabled vehicle) t get the cardhlder back n the rad. Emergency Lckut 24-hur dispatch service in case keys are accidentally lst r lcked inside the car. When accessing the emergency rad and tw service, the cardhlder will need t identify themselves as a cardhlder f the prgram and prvide their eligible card and card number fr validatin f cverage. Rad America will lcate the clsest service prvider frm ver 10,000 twing facilities natinwide and dispatch service t the cardhlder lcatin. The cardhlder will pay $69.95 per request fr service with n additinal expense fr cvered services rendered. ($69.95 fee payable in U.S. dllars). Twing assistance will be cvered fr up t 10 miles frm the disablement lcatin fr mechanical r cllisin r tire related twing episdes. Any additinal mileage requested will be the expense f the cardhlder. *The fllwing items are nt included as part f the emergency radside assistance benefit: Cst f parts, replacement keys, fluids, lubricants, r cst f fuel, material, additinal labr relating t twing, r the cst f installatin f prducts. Nn-emergency munting r remving f any tires. Tire Repair. Extricatin r Winching services. Vehicles ver 1 ½ tns. Any autmbile r ther vehicles used in racing r fr cmmercial purpses including but nt limited t taxicabs, limusines, and delivery vehicles. Any and all taxes r fines. Damage r disablement due t fire, fld r vandalism. Twing frm, service r repair wrk perfrmed at a service statin, garage r repair shp. Service n a autmbile r ther vehicle that is nt in a safe cnditin t be twed. Nn-emergency twing r ther nn-emergency service. Impund twing r twing by ther than an authrized service prvider; vehicle strage charges; a secnd tw fr the same disablement. Twing r service n rads nt regularly maintained, such as sand beaches, pen fields, frests, and areas designated as nt passable due t cnstructin, etc. Twing at the directin f a law enfrcement fficer relating t traffic bstructin, impundment, abandnment, illegal parking, r ther vilatins f law. Cverage shall nt be prvided in the event f emergencies resulting frm the use f intxicants r narctics, r the use f the autmbile r ther vehicle in the cmmissin f a felny. Please Nte: Fr radside assistance calls cancelled within 15 minutes frm the cardhlder s riginal request fr service, there will be n charge t the cardhlder. There will be a $35.00 fee charged t the cardhlder fr any calls cancelled after 15 minutes frm the riginal request and fr any instances where the independent service prvider arrives t the scene and the cardhlder s vehicle is n lnger at the disablement site (Gne n Arrival). THIS IS NOT A REIMBURSEMENT SERVICE. SERVICES OBTAINED INDEPENDENTLY OF THIS PROGRAM WILL NOT BE CONVERED OR REIMBURSED. * All 24 hur Radside Assistance services are prvided by Brickell Financial Services Mtr Club, Inc. dba Rad America Mtr Club, administrative ffices at 7300 Crprate Center Drive, Suite 601, Miami Flrida Fr Mississippi and Wiscnsin custmers, services are prvided by Brickell Financial Services Mtr Club. Fr Califrnia custmers, services are prvided by Rad America Mtr Club, Inc. Services such as lckut, emergency twing and radside assistance may vary t cnfrm with state law.