Guide to Benefits. Travelocity Rewards American Express Cardmember Benefits. Important information. Please read and save.

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1 Guide to Benefits Travelocity Rewards American Express Cardmember Benefits Important information. Please read and save. This Guide to benefits contains detailed information about protection services you can access as a Cardmember. These programs and coverages apply to purchases made on or after June 1, This Guide supersedes any guide or program description you may have received earlier. Except as defined in the descriptions which follow, Card refers to Travelocity Rewards American Express Card and Cardmember refers to a Travelocity Rewards American Express Cardmember.

2 WORLDWIDE CAR RENTAL LOSS AND DAMAGE INSURANCE Excess Automatic Loss Damage Reimbursement Certain limitations and exclusions apply SUMMARY OF COVERAGE Definitions You Should Know: Insured: Insured means a Cardmember who charges the entire cost of a Rented Automobile using his/her Card. Cardmember: Cardmember means a holder of any Travelocity Rewards American Express Card whose name is embossed, printed or otherwise affixed on a Card. Card: Card means a payment card or other payment device or method linked to or representing a credit or charge account issued in the United States under license from American Express, which can be used to purchase goods or services from merchants participating on the American Express network. Covered Cards include the Travelocity Rewards American Express Card. Rented Automobile: Rented Automobile means a four-wheeled 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 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 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 the issuer, 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

3 Company, Inc., by Federal Insurance Company (the Company ). Length of Coverage: The coverage period will not exceed thirty-one (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, 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 06/01/10, or on the date that you become a Travelocity Rewards American Express Card Cardmember, whichever is latest, and will cease on the date the Master Policy # terminates (in which case you will be notified by the issuer), 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,

4 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 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. For Claims Inquiries Contact: Chubb Group of Insurance Companies Claim Service Center P.O. Box 4700 Chesapeake, VA Telephone: (800) ; Fax: (800) 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, 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

5 Related Services, Inc., and available from the issuer. 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. EXTENDED WARRANTY COVERAGE When you make a purchase with your Travelocity Rewards American Express Card (herein referred to as Card ), you may also get Extended Warranty at no extra charge. Extended Warranty is an insurance program. There is no registration necessary. What is covered: Most new products purchased entirely with your Card that come with a) an original manufacturer s U.S. warranty, or b) a U.S. store brand warranty (on U.S. store brand items) of one (1) year or less. For qualified purchases, Extended Warranty doubles the original warranty time period and duplicates the coverage of either of the above warranties up to a maximum of one (1) additional year. If, however, either original warranty is for more than one (1) year, no coverage will apply. If you purchased a service contract or a similar contract for your product of one (1) year or less, Extended Warranty will cover up to one (1) additional year after both the original manufacturer s (or U.S. store brand) warranty and the optional purchased service contract or similar contract coverage period ends. If your service contract or similar contract exceeds one (1) year, this coverage does not apply. If you do not have an additional service contract or similar contract, the Extended Warranty program commences the day after your original manufacturer s U.S. warranty or U.S. store brand warranty expires, for one (1) additional year. Items purchased with your Card and given as gifts are covered, subject to these same conditions. Motorized vehicle parts are covered. Extended Warranty will not pay more than the actual amount billed to your Travelocity Rewards American Express Card account for the item or $10,000 USD, whichever is less. What is NOT covered: Used or antique items, collectibles of any kind (including, but not limited to, trading cards, Beanie Babies, etc.), recycled, previously owned, rebuilt, or remanufactured items; product guarantees (for example, glass breakage), or satisfaction guaranteed items. Boats or motorized vehicles (including but not limited to airplanes, automobiles and motorcycles). Land, buildings (including but not limited to homes and dwellings); permanently installed items, fixtures, or structures. Consumables and perishables. Professional services (including but not limited to the performance or rendering of labor or maintenance; repair or installation of products, goods,

6 or property; professional advice of any kind, including but not limited to information/services or advice secured from any help or support line; or technical support for software, hardware, or any other peripherals). Any shipping charges, transportation and delivery charges or promised time frames of delivery, whether or not stated or covered by the manufacturer s warranty. Any physical damage to the product due to power surges. Mechanical failure resulting in product recalls. Diagnostic charges in the absence of any covered repairs. War or hostilities of any kind (for example, invasion, rebellion, insurrection, riot or civil commotion); confiscation or damage by any government, public authority or customs official; risks of contraband, illegal activity or acts. Mechanical failures caused by normal wear and tear or gradual deterioration. Any physical damage to the product due to Acts of God (including but not limited to flood, hurricane and earthquake), or any resulting consequential losses. Items purchased for resale, professional or commercial use. HOW TO FILE A CLAIM UNDER EXTENDED WARRANTY INSURANCE COVERAGE: Keep receipts for items you buy with your Card. You ll need them to file a claim. 1. Call to request a claim form. You must report the claim within thirty (30) days of the incident or we will not be able to honor your claim. 2. Submit the following documentation as proof of loss, including but not limited to: Signed claim form Travelocity Rewards American Express Card receipt Card account statement Itemized store receipt Original manufacturer s or dealer s warranty and extended service contract if applicable Return all required documentation within ninety (90) days from the date of incident or we will not be able to honor the claim. 3. The program administrator will decide whether to have the item repaired or replaced or to reimburse you up to the amount paid for the item. Reminder: Please refer to the General Provisions section. RETAIL PROTECTION COVERAGE Travelocity Rewards American Express Cardmembers can benefit from the security and safety offered through Retail Protection, an insurance program. If something you bought with your Travelocity Rewards American Express Card (herein referred to as Card ) is damaged or stolen within ninety (90) days of purchase, chances are you re protected. Most new purchases are covered against theft or damage for ninety (90) days from the date of purchase.

7 To get coverage: Retail Protection insurance is for most items you purchase entirely with your Card for yourself or to give as gifts. Purchases need not be registered. The kind of coverage you receive: Coverage is secondary. If you or the recipient of the gift have any other insurance that would cover the eligible purchases (such as homeowner s, renter s, or auto insurance), Retail Protection will pay the amount not covered by your primary insurance up to the amount you paid for the item with your Card, subject to the limits expressed below. What is covered: Most items you buy entirely with your Card are covered for ninety (90) days from the date of purchase indicated on your Card statement. Coverage is limited to the cost of the item (excluding delivery and transportation costs) up to $1,000 USD per incident and a total of $50,000 USD per Cardmember account per year. Items you purchase with your Card and give as gifts are also covered, subject to the same conditions. Coverage for stolen or damaged items that are made up of a pair or set will be limited to the cost of any particular part or parts. However, if the articles cannot be used, replaced, or repaired individually, the value of the pair or set will be covered. Coverage for stolen or damaged jewelry or fine art will be limited to the cost of the particular part or parts, regardless of any special value the article(s) may have had as part of a set or collection. What is NOT covered: Lost items, and items that mysteriously disappear (the only proof of loss is unexplained or there is no physical evidence to show what happened to the item) without any evidence of a wrongful act. Items stolen from in or upon, or attached to, automobiles, RV s, other vehicles, whether being used as a residence/business or not; or common carriers including but not limited to, airplanes, trains, buses, boats, trucks. Unlocked or unattended (left in public sight, out of arm s reach, lacking care, custody or control by Cardmember or responsible party), items stolen from any location or place open to the general public or community for use or membership. Public places shall not include the following: the covered person s place of employment, elementary or secondary school, places of worship. Items lost, stolen, damaged or mis-delivered while under the care and control of a third party or common carrier (including but not limited to airlines, the U.S. Postal Service, or other delivery services). Losses due to normal wear and tear, misuse, fraud, gradual deterioration and/or abuse. Items that you damage through alteration (including cutting, sawing, shaping). Used or antique items, collectibles of any kind (including, but not limited to, trading cards, Beanie Babies, etc.), recycled, previously owned, rebuilt, or remanufactured items; product guarantees (for example, glass breakage), or satisfaction guaranteed items. Motorized vehicles and watercraft, aircraft, and motorcycles or their motors,

8 equipment, or accessories. Coverage will apply to motorized equipment used solely for the upkeep and maintenance of a residence, but not for commercial use. Land, buildings (including but not limited to homes and dwellings), permanently installed items, fixtures, or structures. Travelers checks; tickets of any kind; negotiable instruments; bullion; rare or precious coins; philatelic and numismatic property; cash or its equivalent. Damage caused by vermin. Plants, animals, consumables and perishables. Items purchased for resale, professional or commercial use. Professional services (including but not limited to the performance or rendering of labor or maintenance; repair or installation of products, goods, or property; professional advice of any kind, including but not limited to information/services or advice secured from any help or support line; or technical support for software, hardware, any other peripherals). Application programs, operating software, and other software. War or hostilities of any kind (for example, invasion, rebellion, insurrection, riot or civil commotion); confiscation or damage by any government, public authority or customs official; risks of contraband; illegal activity or acts. Inherent product defects. Radioactive contamination. Acts of God (including but not limited to flood, hurricane and earthquake), or any resulting consequential losses. Items stored at any construction site. Items under rent, lease or borrowed for which you will be held responsible. HOW TO FILE A CLAIM UNDER RETAIL PROTECTION INSURANCE COVERAGE: Keep receipts for items you buy with your Card. You ll need them to file a claim. 1. Call to request a claim form. You must report the claim within thirty (30) days of the incident or we will not be able to honor your claim. 2. Submit the following documentation as proof of loss, including but not limited to: Signed claim form Travelocity Rewards American Express Card receipt Card account statement Itemized store receipt Report from police or appropriate authority, if applicable Copy of the declarations page of any applicable insurance policy including homeowner s, renter s or auto insurance. Return all required documentation within ninety (90) days from the date of incident or we will not be able to honor the claim. 3. The program administrator will decide whether to have the item repaired or replaced or to reimburse you up to the amount paid for the item. Reminder: Please refer to the General Provisions section.

9 GENERAL PROVISIONS General Provisions for Retail Protection and Extended Warranty programs: Except as specifically stated, these Descriptions of Coverage are not a policy or contract of insurance. Benefits are purchased by the issuer and given complimentarily to you. Retail Protection and Extended Warranty insurance benefits are provided under a master policy of insurance issued by Virginia Surety Company, Inc. All information in these Descriptions of Coverage about these benefits are subject to the terms and conditions of the master policy. The effective date of these Descriptions of Coverage is located in the master policy. As the insurer of the coverage described herein, Virginia Surety Company, Inc. (herein referred to as We, Us, or Our ) collects personal information about you from the following sources: Information We receive from you, from your request for insurance coverage or other forms you furnish to Us, such as your name, address, telephone number, insurance coverage selected, and premium amount; and Information about your transactions with Us, such as claims made and benefits paid. We may disclose all information We collect, as described above, to companies that perform administrative or marketing services on Our behalf solely in connection with the insurance coverage you have selected. We do not disclose any personal information about former insureds to anyone, except as required by law. We restrict access to personal information about you to those employees who need to know that information in order to provide you with the selected insurance coverage. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information. Should you have any questions about Our procedures or information contained within your file, please contact Us at: Compliance Department Virginia Surety Company, Inc. 175 W Jackson Chicago, IL Insurance Coverages can be cancelled or non-renewed for all Cardmembers. If this happens, you will be notified at least 60 days in advance. If we terminate, cancel, or choose not to renew the coverages for all Cardmembers, you will be notified as soon as practicable. Insurance benefits will still apply to purchases made prior to the date of such cancellation or non-renewal, provided all other terms and conditions of coverage are met. These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The U.S. is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply to purchases made prior to the date that your account is suspended or cancelled which otherwise meet terms and conditions of coverage. All parties are expected to exercise due diligence and prudent judgment to avoid or diminish any theft or damage to the property insured under these programs. No insurance benefits will be provided in the event of fraud. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. Salvage may be requested by the claim administrator. If salvage is requested, it must be remitted to the administrator at the Cardmember s expense. Failure to remit requested salvage may result in denial of the claim. After a claim is paid under Retail Protection or Extended Warranty, the rights and

10 remedies of the Cardmember (or any third party paid under this program) against any party in respect to this loss or damage will be transferred to the insurance company. In addition to transferring such rights, the Cardmember (or any third party paid under this program) must provide the insurance company with any assistance necessary to secure its rights and remedies, and must do nothing that would jeopardize them. No rights or benefits provided under the Retail Protection or Extended Warranty programs may be assigned without the prior written consent of programs third-party administrator. Receipt and/or possession of these Descriptions of Coverage do not guarantee coverage or coverage availability. These Descriptions of Coverage are intended as a summary of services and coverages and, in case of a conflict between the Descriptions of Coverage and the master insurance policy, or a member s actual offerings, such master policy or actual offerings shall control. EMERGENCY ASSISTANCE SERVICE PROVIDER Assistance Services Offered by AXA Assistance USA ( AXA ) HOURS OF OPERATION 24 Hours a Day - 7 Days a Week Days a Year For 24 hour emergency assistance call: Toll Free number (800) Collect number (312) PERIOD OF COVERAGE Annual GEOGRAPHICAL COVERAGE AND USE Worldwide, Covered Persons call either a toll free or collect phone number within the Country of Issue. Covered Persons Cardmembers, a Cardmember s spouse living at the same address as the Cardmember, and a Cardmember s dependent children under 23 years of age living at the same address as the Cardmember. THE ASSISTANCE SERVICES PROVIDED There are four components of the Emergency Assistance program: 1. Medical Emergency Assistance AXA can refer the Cardmember to preferred providers including primary care physicians, clinics and hospitals all over the world. Primary care physicians are defined as referrals to the following: family practitioners, general practitioners, internists, ophthalmologists, obstetricians/gynecologists, orthopedists, and pediatricians. The Covered Person will be given the name, address, telephone number, office hours, and if applicable, language(s) spoken by the provider. The nature of the situation, location of the caller, and time of the day will influence whether a referral is made to an individual provider or to a hospital/emergency care facility. AXA will also provide referrals to medical specialists in major cities and nearby areas using specific selection criteria. Specialists are defined as physicians

11 other than those previously identified as primary care physicians. Some examples of specialists include allergists, cardiologists and endocrinologists. 2. Legal Emergency Assistance AXA provides legal referrals to English-speaking lawyers. 3. Personal Assistance Available 24/7, both pre-travel and during trip, AXA is able to quickly provide the following information upon a Cardemember s request: Passport, visa, and immunization/inoculation requirements Foreign currency exchange rates Weather forecasts and average seasonal temperatures Embassy and Consular referrals General information on local customs General Information on business etiquette Information on national holidays and standard business hours Travel advisories & customs information Local voltage information 4. Travel Oriented Assistance Telephone translation: AXA s multi-lingual staff and international correspondents will provide emergency telephone interpretation. Urgent message relay: AXA will relay emergency messages to or from the Covered Person to family members or colleagues 24 hours a day. Cash/Bail assistance: Emergency funds will be arranged and made available to the Covered Person in the event money is lost, stolen, or inaccessible due to banking holidays, etc. AXA will also assist with the payment of legal fees, as well as secure and post bail bonds when required.

12 This Guide is intended as a summary of services and coverages and, in case of a conflict between the Guide and the master insurance policies, or a member s, or the American Express actual offerings, such master policies or actual offering shall control. American Express is a federally registered service mark of American Express and is used by Barclays Bank Delaware pursuant to a license. This credit card program is issued and administered by Barclays Bank Delaware. F03-G514-9

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