Card Repayment Protection summary of changes to your policy and policy documentation

Transcription

1 Card Repayment Protection summary of changes to your policy and policy documentation It is important that you read this document and keep for future reference

2 Contents Card Repayment Protection Summary of Changes 2 Guide to Insurance 6 Policy Summary 8 Eligibility 8 Significant Features and Benefits 8 Significant Exclusions 8 Duration and Termination 9 Claims 9 Complaints and Feedback 9 Changing the Terms of your Policy 10 Financial Services Compensation Scheme 10 Your Right to Cancel 10 Policy Document 11 Contact Details 23

3 Your Card Repayment Protection policy SUMMARY OF CHANGES With effect from the 1 st January 2012 the underwriters providing your Card Repayment Protection insurance are changing to Barclays Assurance (Dublin) Limited and Barclays Insurance (Dublin) Limited. Your cover will continue uninterrupted and the cost of cover will be unchanged at 0.79 per 100 of protected balance. As a result of the change in underwriters a number of amendments to your policy are being made. We ve also taken this opportunity to clarify some of the terms detailed within your policy. A summary of these changes are detailed below and a copy of the new Policy Document, Policy Summary and Guide to Insurance are also enclosed. It is important that you read all of these documents carefully before these changes take effect to ensure the cover remains relevant to your needs. Please note that Barclays Bank PLC have not provided advice or a recommendation in respect of this cover. These changes will take affect on the 1 st January 2012, however please be assured your card repayment protection cover will continue without interruption. If you are claiming on your policy or become eligible to make a claim prior to this date then the existing terms and conditions will apply until your claim ends - you will not need to submit a new claim when the new terms and conditions take effect. If you do not want to continue with this cover after 1 st January 2012, please follow the cancellation instructions in Part 2, Section 16 of your new Policy Document. Please note that you will have a 30 day cancellation period from 1 st January 2012 and if you cancel in this period any premiums paid from 1 st January 2012 will be refunded. If you want to cancel the cover before 1 st January 2012 then please follow the instructions in your current Policy Document. If you have an enquiry regarding your eligibility for this cover please contact the underwriters after the 1 st January 2012 on *. * For quality assurance, legal, regulatory and training purposes we may monitor and record phone calls. CHANGE IN UNDERWRITERS Barclays Assurance (Dublin) Limited are replacing Prudential Assurance Company Limited as provider of Life Cover. Barclays Insurance (Dublin) Limited are replacing St. Andrew s Insurance plc as provider for Accident and Sickness Cover, Unemployment Cover, Critical Illness Cover and Carer Cover. CHANGES TO THE COVER PROVIDED BY YOUR POLICY Only the principal cardholder can claim under the policy. This means that any additional users that you have authorised on your card are no longer covered. We ve updated the definition of You, Your in the Policy Document accordingly. We are increasing the upper age bracket for Card Repayment Protection to 69 years of age inclusive (from 65). This means that unless you cancel the policy or another termination reason occurs the cover will now end on the date on which you become 70. Full details can be found in the Part 1 of your Policy Document Termination Date. We ve detailed the requirements to be eligible to make a claim under the policy. These requirements can be found in the section marked Important at the start of the Policy Document. Please read these requirements when checking that the policy still meets your demands and needs. Part 4 of your new Policy Document details the process for you to make a claim on your Card Repayment Protection policy from 1 st January The definition of Outstanding Balance used to determine what benefit should be paid should you claim has changed. We will now use the outstanding balance on your last statement before the claim event rather than the outstanding balance on the day you claim. Please review this definition, which can be found in the Meaning of words used in this policy section of the Policy Document, to ensure that you are happy with this change. 2

4 We have removed definitions of Employment and Self-Employed and added a new definition for Work/ Working which defines permanent, fixed-term and self-employed working statuses. Please review this definition below, to ensure that this change does not impact your eligibility for this cover. WORK / WORKING": you are actively employed in any paid employment (or you are receiving payment instead of notice) for at least one hour a week in one or more of the following: A permanent job (where your contract of employment does not end on a given or suggested date and you pay Class 1 National Insurance contributions or make similar contributions in your country of residence); or A fixed-term contract; or You are self-employed (where you are employed alone or with a partner) in a trade or profession and assessed for tax under the Income Tax (Trading and Other Income) Act 2005 (or a similar law in the country in which you live); or You are employed by a company where you, or anyone connected with you, have control over that company. The definition of Unemployment has been amended to Involuntary Unemployment throughout your Policy Summary and Guide to Insurance. This change is to be clear that voluntary unemployment, such as accepting voluntary redundancy or you resigning, would not give rise to a claim on your policy. If you are self-employed you will need to provide evidence that your business has permanently ceased to trade and that you have filed cessation accounts with the Inland Revenue. We have added examples of what kind of actions or omissions which lead to you becoming unemployed would not be covered by your policy in the What is not covered section of Involuntary Unemployment cover. Please read this section so that you understand what is and isn t covered by this policy. You can only claim for one type of benefit at a time on your policy. The benefits sections relating to Accident & Sickness, Involuntary Unemployment, Carer Cover and Critical Illness cover sections of your Policy Document have been updated to state this clearly. We have added a definition for Retire/ retired which will be used to assess your eligibility to claim as the policy does not cover retirement. Please review this definition below, to ensure that this change does not impact your eligibility to claim under this cover. RETIRE / RETIRED": where you have taken early retirement; or reached your contractual retirement age, if relevant; or resigned from your employment with a pension. We have added a definition for Employment History which sets out the qualifying criteria to make a claim under the Involuntary Unemployment section of the cover. Please review this definition, which can be found below to ensure that this change does not impact your eligibility to claim under this cover. EMPLOYMENT HISTORY : one of the following: You have worked continuously for the same employer for at least 24 months; or You have been on a contract for at least 12 months and had the contract renewed at least once; or You were originally employed permanently by the same employer but have been transferred to a fixed-term contract without a break in employment. We ve updated the definition of Carer and you now need to be registered as a carer with the Department of Work and Pensions (DWP) to claim. CONDITIONS THAT HAVE BEEN REMOVED The Confidential and Independent Counselling line which provides assistance, practical help and guidance on medical information and stress counselling and the unemployment support line currently provided with your policy will not be available after 1st January

5 From the 1st January 2012 if you have a claim for involuntary unemployment which lasts longer than 30 days you may be offered support, additional information and advice to assist you with your return to work through a back to work support programme. This is a free service and includes helpline assistance and guidance relating to CV writing and information on job vacancies and helpful websites. Premiums for this cover are chargeable to your Barclaycard, therefore the condition in your previous policy advising that the cover will terminate if a premium remains unpaid by you for a period of 3 months after it is due has been removed. Premiums will continue to be charged to your Barclaycard until the policy is cancelled. The ability to request the name and addresses for other organisations with which we share information to prevent fraudulent claims will no longer be available from 1st January The definition of Relative is being removed from 1st January This means that Carer Cover under your policy will no longer be limited to caring for relatives who are your partner, parent or child. The restriction on cover if you are abroad for a period greater than 84 days is being removed. Your cover will remain valid whilst you are abroad as long as you were a UK resident when cover was originally taken out and you must be able to meet the necessary claim requirements in whichever country you reside. Your Policy Document details the full eligibility requirements. If you claim for Carer Cover we will now not need to write to your former employer for evidence to support your claim. Details required to process your claim can be found in the Carer Cover section of your Policy Document. OTHER CHANGES YOU SHOULD NOTE Part 2 Section 13 of your Policy Document explains: (a) Changes to your monthly premium (b) Changes to other terms (c) Notice of any change You must continue to pay your monthly Card Repayment Protection premiums when claiming on your policy. Paragraph 14 of the General Provisions has had this line added. Part 2 Section 5 of the Policy Document provides examples of what are considered to be material facts and explains the consequences of your failure to provide accurate material facts when applying for or claiming on your policy. We have amended the definition for Commencement Date and added a new definition for Policy schedule to be clear that the change in underwriter for Card Repayment Protection will not impact the start date of your policy your cover continues seamlessly. Part 2 Section 12 of your new Policy Document outlines Barclays Assurance (Dublin) Limited and Barclays Insurance (Dublin) Limited obligations in relation to Data Protection and clarifies how data you provided relating to your policy will be used. Section 7 of your new Guide to Insurance outlines how your monthly premiums will be held under the Financial Services Authority Client Money Rules. Section 9 of your new Guide to Insurance details the Accessibility options now available for your policy documentation, such as receiving documentation in large print or Braille. We ve added a section titled Reviewing your Cover to the Guide to Insurance. We recommend you review your cover regularly to ensure it continues to meet your demands and needs. We have added wording to the Policy Summary highlighting the importance of reading the definitions of the illnesses covered by the Critical Illness section of this policy contained in the Meaning of words used in this policy section of your policy document and added examples of conditions not covered. This is for added clarity and does not change any of the Critical Illness cover provided by your current policy. We have added wording to the Part 2 General Provisions section of your policy document confirming that as part of measures aimed to prevent money laundering Barclays Assurance (Dublin) Limited may need to verify your identity and that in the event of delay or failure by you and/ or your representative to produce any information required for verification purposes, we may reject your claim. In the event of a successful claim, payments from the underwriters will now be paid to Barclaycard (a trading name of Barclays Bank PLC) rather than Egg Banking PLC. 4

6 We have updated the Price section of the Guide to Insurance to explain that other taxes and costs may exist associated with your cover that are not paid through or imposed by Barclays Assurance (Dublin) Limited or Barclays Insurance (Dublin) Limited. CHANGES TO HOW YOU CAN COMPLAIN ABOUT OR CANCEL YOUR POLICY Part 5 of your new Policy Document details how you can provide feedback or make a complaint about your policy from 1 st January Please refer to your existing policy documentation should you wish to provide feedback or make a complaint before the 1st January Part 2 Section 16 of your new Policy Document details how you can cancel your policy from 1 st January You have a 30 day cancellation cooling-off period in relation to this Barclays Insurance (Dublin) Limited / Barclays Assurance (Dublin) Limited Policy during which you can change your mind about continuing with your Policy starting from 1 st January

7 Card Repayment Protection GUIDE TO INSURANCE We recommend you save this document for your records. In the following section we/us refers to Barclays Bank PLC. Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority (FSA). The registered address is 1 Churchill Place, London E14 5HP. 1. THE FINANCIAL SERVICES AUTHORITY (FSA) The FSA is the independent watchdog that regulates financial services in the UK. Our FSA authorisation number is , you can check that Barclays Bank PLC is registered with the FSA by visiting their website: or by contacting the FSA on ABOUT THIS INSURANCE We can only provide Card Repayment Protection underwritten by Barclays Insurance (Dublin) Limited for Critical Illness Cover, Accident and Sickness Cover, Involuntary Unemployment Cover and Carer Cover and by Barclays Assurance (Dublin) Limited for Life Cover. 3. WHICH SERVICE WILL WE PROVIDE YOU WITH? Barclays Bank PLC has not provided advice or a recommendation in relation to this product. You should ensure that the cover meets your demands and needs. This product is optional and is not a condition of buying any other product from us. 4. ABOUT THE INSURER Barclays Insurance (Dublin) Limited (Registered Number ) and Barclays Assurance (Dublin) Limited (Registered Number ) have their Registered Office at Two Park Place, Hatch Street, Dublin 2, Ireland. Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited are regulated by the Central Bank of Ireland. Barclays Bank PLC has an indirect 100% shareholding in Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited. We are paid by Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited for acting on their behalf in relation to Card Repayment Protection 5. WHAT TO DO IF YOU HAVE A COMPLAINT OR FEEDBACK (a) If you have any complaints or feedback about the sales process: Please contact Barclaycard as follows: by phoning *; or by writing to Barclaycard, Customer Relations Department, PO BOX 9131, 51 Saffron Road, Leicester LE18 9DE. (b) If you have any complaints or feedback about this Policy: Please contact us as follows: by phoning us on *; or by writing to the Customer Services Team at Barclays Insurance (Dublin) Limited / Barclays Assurance (Dublin) Limited, PO Box 586, Shannon, County Clare, Ireland; or by sending us a fax on If you are not satisfied that we have fully dealt with your complaint, you are entitled to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR (phone: ). Contacting this organisation or making a complaint will not affect your legal right to take action against us. 6. ARE WE COVERED BY THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)? Barclays Bank PLC is covered by the FSCS. You may be entitled to compensation from the FSCS if we cannot meet our obligations, depending on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Please refer to your Policy Document to find out whether the insurer is also covered by the FSCS. Further information about compensation scheme arrangements is available from the FSCS website or by writing to Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN. 6

8 7. FINANCIAL SERVICES AUTHORITY (FSA) CLIENT MONEY RULES Barclays Bank PLC is an approved bank for the purposes of the FSA s Principles and Requirements regarding Client Money. Prior to transferring your premium to the Insurer, Barclays Bank PLC acts as a banker rather than trustee in respect of any money held by it on your behalf in an account with Barclays Bank PLC. As a result, Barclays Bank PLC will not hold money in accordance with the FSA Principles and Requirements on Client Money. In particular, Barclays Bank PLC will not segregate your money from its own and Barclays Bank PLC shall not be liable to account to you for any profits made by its use as a banker of such funds. 8. GOVERNING LAW In the United Kingdom, you can choose which law will apply to your Policy. Unless you and the Insurer make a written agreement saying otherwise before the Policy is issued, the law of England and Wales will apply to this insurance. Unless otherwise agreed, the contractual terms of your Policy, all prior information and all communications will be in English. 9. ACCESSIBILITY This item can be provided in Braille, large print or audio by calling * (via TextDirect if appropriate) or by ordering online from REVIEWING YOUR COVER We recommend that you review your cover on a regular basis to make sure it continues to meet your demands and needs. This product meets the demands and needs of those who wish to ensure that payments to their credit card account are made in the event of accident, sickness, involuntary unemployment, becoming a carer, death or diagnosis of critical illness. PRICE The cost of your Card Repayment Protection (CRP) is 79p per 100 of your monthly statement balance. For example, if you have an outstanding balance of 1,000 in any one month, the amount charged to your account will be 7.90 in that month. Should your borrowing remain at this level for 12 months, then the total debited to your credit card account for CRP would be plus interest at your normal rate. Other taxes and costs may exist that are not paid through or imposed by us. 7

9 Policy Summary This summary does not contain the full terms and conditions of your insurance policy. Full details of the terms, conditions and exclusions of your insurance policy are contained in the policy document, a copy of which is available on request. This insurance is underwritten by Barclays Insurance (Dublin) Limited for Critical Illness Cover, Accident and Sickness Cover, Involuntary Unemployment Cover and Carer Cover and by Barclays Assurance (Dublin) Limited for Life Cover. For a detailed explanation about which company underwrites which element of cover please refer to the definition of 'We, Us, Our' in Part 1 of the Policy 'Meaning of Words Used in this Policy' for further details. Card Repayment Protection Insurance provides Life, Accident and Sickness, Involuntary Unemployment, Carer and Critical Illness Cover. ELIGIBILITY To be eligible for cover you must be the principal card holder, in employment or self-employed and paying the appropriate class of National Insurance Contributions (not applicable to Life or Critical Illness claims), between 18 and 69 years of age inclusive, and a UK resident. SIGNIFICANT FEATURES & BENEFITS LIFE COVER We will pay the outstanding balance on the last statement before your death or the credit limit whichever is the lesser, up to a maximum of 25,000 if you die during the period of cover. ACCIDENT AND SICKNESS COVER We will pay an amount equal to 10% of the outstanding balance on the last statement before the date of your disability if you are unable to work due to accident or sickness. You will be eligible for a monthly benefit to be paid after you have been disabled for a continuous period of 28 days. Thereafter 1/30 th of the monthly benefit will become payable for each day you are disabled in respect of any one claim until you return to work or the outstanding balance as at the date of your disability has been paid whichever occurs first. The maximum monthly benefit payable is 2,500. INVOLUNTARY UNEMPLOYMENT COVER We will pay an amount equal to 10% of the outstanding balance on the last statement before the date you were notified of your unemployment. You will be eligible for a monthly benefit to be paid after you have been unemployed for a continuous period of 28 days. Thereafter 1/30 th of the monthly benefit will become payable for each day you are unemployed until you return to work or the outstanding balance as at the date of notification of your unemployment has been paid whichever occurs first. The maximum monthly benefit payable is 2,500. CARER COVER If your work ceases due to the need for you to become a carer for a relative, we will pay the outstanding balance on the last statement before you become a carer or the credit limit whichever is the lesser up to a maximum of 25,000. Once a payment has been made under this part of the policy the carer cover part of the policy ceases. CRITICAL ILLNESS COVER We will pay the outstanding balance on the last statement before the critical illness or the credit limit whichever is the lesser up to a maximum of 25,000 if you suffer a critical illness and survive for a period of not less than 28 days. Critical Illness means cancer, heart attack, kidney failure, coronary artery bypass graft, stroke, major organ transplant all requiring diagnosis by a Doctor and covered by the definitions in the 'Meaning of Words Used in this Policy'. SIGNIFICANT EXCLUSIONS LIFE COVER Death resulting from a pre-existing or chronic medical condition. Details of these and other relevant exclusions can be found in the policy document Part 3 Section A Life What is not covered'. ACCIDENT & SICKNESS COVER Disability resulting from a pre-existing or chronic medical condition, a mental or nervous disorder (e.g. depression) or stress related conditions unless diagnosed by a Consultant, backache and related conditions without radiological evidence. Details of these and other relevant exclusions can be found in the policy document Part 3 Section B Accident and Sickness What is not covered'. 8

10 INVOLUNTARY UNEMPLOYMENT COVER Unemployment that is voluntary or results from your misconduct, unemployment that you are aware of at the start of cover or that occurs or is notified of within the first 28 days of cover. Unemployment that results from the expiry of a fixed term contract of employment, unless you have been employed on a yearly renewable contract which has been renewed at least once, or you have been in employment for a total unbroken period of 2 years or more with the same employer. Unemployment if you are employed by a company, partnership or someone who is self employed who is your partner or a family member and they are a shareholder unless the company, partnership or person ceases to trade at the same time. If you are self employed your business must have ceased to trade as a direct result of being unable to pay its debts when due. Details of these and other relevant exclusions can be found in the policy document Part 3 Section C Involuntary Unemployment What is not covered. CARER COVER We will not pay benefit if work ceases for reasons not associated with becoming a carer, or if the sickness, disease, condition or injury of the person being cared for existed before the cover commencement date. Details of these and other relevant exclusions can be found in the policy document Part 3 Section D Carer What is not covered. CRITICAL ILLNESS COVER We will not pay benefit for critical illness which occurs within 84 days of the start of cover, or which results from a pre existing condition. Details of these and other relevant exclusions can be found in the policy document Part 3 Section E Critical Illness What is not covered. Critical Illness means cancer, heart attack, kidney failure, coronary artery bypass graft, stroke, major organ transplant all require diagnosis by a doctor and are all defined in the 'Meaning of Words Used in this Policy section of the policy document. It is important that you read these definitions to understand what is and isn t covered. For example angina as well as other acute coronary syndromes are not covered by the definition of heart attack, transient ischaemic attacks are excluded from the definition of stroke and certain types of cancer are excluded. OTHER EXCLUSIONS/ DEFINITIONS/LIMITATIONS Other exclusions, definitions and limitations apply to this policy; see the policy document for full details. Part 1 for Meaning of Words Used Part 2 for General Provisions Part 3 Benefits, Section A for Life cover, Section B for Accident and Sickness cover, Section C for Involuntary unemployment cover, Section D for Carer cover and Section E for Critical Illness cover. DURATION & TERMINATION Your cover will terminate at the earliest of the following, the date on which you become 70; or the date of your death; or the date the Policy is cancelled by you or us; or the date you retire. CLAIMS To make a claim or for any queries on your claims process, please phone us on *. COMPLAINTS AND FEEDBACK (a) If you have any complaints or feedback about the sales process: Please contact Barclaycard as follows: by phoning *; or by writing to Barclaycard, Customer Relations Department, PO BOX 9131, 51 Saffron Road, Leicester LE18 9DE. (b) If you have any complaints or feedback about this Policy: Please contact us as follows: by phoning us on *; or by writing to the Customer Services Team at Barclays Insurance (Dublin) Limited / Barclays Assurance (Dublin) Limited, PO Box 586, Shannon, County Clare, Ireland; or County Clare, Ireland; or by sending us a fax on If you are not satisfied that we have fully dealt with your complaint, you are entitled to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR (phone: ). Contacting this organisation or making a complaint will not affect your legal right to take action against us. 9

11 CHANGING THE TERMS OF YOUR POLICY CHANGES TO YOUR MONTHLY PREMIUM We will review the cost of the cover, at least annually, and we may change the rate of your monthly premium if there is a change in (or we reasonably expect there to be a change in): the rate of any relevant taxation, including Insurance Premium Tax; the costs of operating your Policy; any law, regulation or industry guidance that affects; our insurance business; or the risk of underwriting your Policy; the risk of underwriting your Policy arising from changes to the incidence, prevalence or strength of any illness or disease. We may also change the rate of your monthly premium if there is a change in (or we reasonably expect there will be a change in) the risk of underwriting your Policy arising from any unforeseen change in the cost or number of claims incurred in relation to this type of Policy. In addition, we may change the amount of your monthly premium if we have another valid reason for doing so, and we will tell you what that reason is. Any change to the rate of your monthly premium will reflect the change in the rate of any relevant taxation or will be a fair proportion, as reasonably estimated by us, of the impact of the underlying change in the costs we incur in our insurance business. CHANGES TO OTHER TERMS We may change any of the other terms and conditions of the Policy: where we reasonably consider that the change would make the terms easier to understand or fairer to you or would not be to your disadvantage; or to enable us to make reasonable changes to the way we look after your Policy so as to facilitate changes in the insurance industry, technology or the systems we use to run our insurance business or as a result of a legal, regulatory or industry requirement, guideline or code of practice (or where we reasonably expect that there will be a change in any of them). We may also change any of the other terms and conditions of your Policy for any reason not listed above. NOTICE OF ANY CHANGE We will give you 60 days advance notice by post or of any change. You may cancel your Policy at any time after the first 30 days by giving 30 days notice. Please refer to the section on YOUR RIGHT TO CANCEL below for details. You will not have to pay any additional charge for cancelling your Policy. FINANCIAL SERVICES COMPENSATION SCHEME We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations, depending on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS website or by writing to Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN. YOUR RIGHT TO CANCEL You have a 30 day cancellation cooling-off period during which you can change your mind about continuing with this Policy. If, after taking this Policy out and reading this Policy Document, you do not want to continue with the insurance, please confirm by writing to Barclaycard, PO Box 5592, Northampton NN4 1ZY or telephoning Barclaycard on *. If you cancel your Policy within the 30 day cooling-off period following receipt of this Policy Document, we will cancel your Policy and refund any monthly premiums already paid under this Barclays Insurance (Dublin) Limited / Barclays Assurance (Dublin) Limited Policy. The cancellation will take effect immediately. Any refund of premium paid under the Policy will be credited to your Barclaycard account. Once cancelled, you will not be eligible to make a claim under this Policy. If you wish to cancel your Policy at any time after the first 30 days you must give 30 days notice by phone or in writing and your Policy will be cancelled from the end of the 30 day notice period. If you cancel your Policy after the first 30 days we will not refund any monthly premiums already paid. It is important that you regularly review your insurance requirements to ensure that this policy meets your needs. * For quality assurance, legal, regulatory and training purposes we may monitor and record phone calls. 10

12 Policy Document In the following section we/us refers to Barclays Insurance (Dublin) Limited or Barclays Assurance (Dublin) Limited (or both). Under this Policy we agree to provide benefits in the event of death, disability (comprising accident and sickness), involuntary unemployment, carer cover and critical illness on the basis of the following terms, conditions and exclusions. If you were not in good health at the commencement date this may affect your ability to claim under certain sections of this Policy. IMPORTANT: This Policy contains general provisions and specific exclusions which define the extent of insurance cover. It is particularly important that you check that you are eligible to be covered under this Policy by carefully reading the following summary of requirements. On the commencement date you: - must be the principal cardholder; must be a U.K. resident; must be between 18 and 69 years of age inclusive; be in work (not applicable to life cover or critical Illness cover). Please note you must have been in work immediately prior to the incident which results in you submitting any claim under the disability, involuntary unemployment or carer cover sections of this Policy. If you have any enquiry regarding your eligibility please contact us on *. * For quality assurance, legal, regulatory and training purposes we may monitor and record phone calls. The words in bold typeface have particular meanings which are set out in Part 1 of this Policy. PART 1 MEANING OF WORDS USED IN THIS POLICY These words are listed in alphabetical order and whenever they are used in the Policy in bold typeface they have the meanings set out below. "AGREEMENT : your credit agreement with the coverholder. "CANCER": any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue. The term cancer includes leukaemia and Hodgkin's disease but the following are excluded: all tumours which are histologically described as pre-malignant, as non-invasive or as cancer in situ. all tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least TNM classification T2N0M0. any skin cancer other than invasive malignant melanoma. "CARDHOLDER : means the principal cardholder as specified in the Agreement provided that the principal cardholder is resident in the United Kingdom. "CARER": you have had to leave work to care for a relative for at least 35 hours a week (you will need to be registered with the Department of Work and Pensions as a carer). "CHRONIC CONDITION": any condition, injury, illness, disease, related condition and/or associated symptoms resulting from a chronic condition that was in existence at the commencement date whether it required medical attention or not. A chronic condition is a condition, which has at least one of the following characteristics: it continues indefinitely; or it is constant and is controlled rather than cured; or it has symptoms which re-occur and have required consultation, treatment or care on more than one occasion in the past; or 11

13 it requires long term monitoring or treatment, consultations, check ups, examinations or tests. "COMMENCEMENT DATE : the date you become insured under the original Policy date as outlined in your Policy Schedule, or in the event that your Policy has been cancelled and reinstated the latest re-instatement date. "CORONARY ARTERY BYPASS GRAFT": the undergoing of open heart surgery on the advice of a Consultant Cardiologist to correct narrowing or blockage of one or more coronary arteries with by-pass grafts but excluding balloon angioplasty, laser and other procedures. "COVERHOLDER : Barclaycard (a trading name of Barclays Bank PLC). The credit provider who will receive payments from us in the event of a successful claim from you. "CREDIT LIMIT": the maximum amount of credit from time to time available to you under the Agreement, up to a maximum of 25,000. "CRITICAL ILLNESS": Heart Attack, Cancer, Coronary Artery Bypass Graft, Kidney Failure, Major Organ Transplant or Stroke, all requiring diagnosis by a Doctor. "DAILY BENEFIT": a sum equivalent to 1/30 th of the monthly benefit "DISABILITY : a state of incapacity resulting solely from an accidental bodily injury or sickness or disease which occurs or starts during a period when you are in work and which wholly prevents you from doing your work or other work that your experience, education or training would allow you to do. Such disability shall be deemed to start on the day you first consult, or receive treatment from and are certified as being unfit to work by a Doctor. "DISABLED : you suffering from disability and being under the continued supervision of, and receiving treatment from, a Doctor. "DOCTOR": a qualified medical practitioner who is registered with the relevant professional regulatory body. This person cannot be you, your partner or a relative of yours. EMPLOYMENT HISTORY : one of the following: you have worked continuously for the same employer for at least 24 months; or you have been on a contract for at least 12 months and had the contract renewed at least once; or you were originally employed permanently by the same employer but have been transferred to a fixed-term contract without a break in employment. "HEART ATTACK": the death of a portion of heart muscle, due to inadequate blood supply, that has resulted in all of the following evidence of acute myocardial infarction: typical chest pain; new characteristic electrocardiographic changes; the characteristic rise of cardiac enzymes, troponins or other biochemical markers; where all of the above shows a definite acute myocardial infarction. Other acute coronary syndromes, including but not limited to angina, are not covered under this definition. "KIDNEY FAILURE": end stage renal failure presenting as a chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis or renal transplant is initiated. "MAJOR ORGAN TRANSPLANT": the actual undergoing as a recipient of a transplant of a heart, liver, lung, pancreas or bone marrow; alternatively, confirmation by an appropriate Consultant of acceptance onto the official United Kingdom waiting list for one of the above transplants. "MONTHLY BENEFIT": 10% of the outstanding balance or credit limit whichever is the lesser under the terms of the Agreement as at the date of your disability or notification of your involuntary unemployment. "NOTIFICATION": in relation to unemployment; the first intimation given to you either orally or in writing of your impending unemployment, given either by or on behalf of your employer or by a trades union official. "OUTSTANDING BALANCE : your total indebtedness to the coverholder under the Agreement on the last statement before the date of your death, diagnosis of your critical illness, your disability, the date you become registered as a carer or the notification of your unemployment. 12

14 "PARTNER": your spouse, your civil partner (as defined in Section 1 of the Civil Partnership Act 2004) or the person (whether or not of the same sex) who you are permanently cohabiting with in a marriage-like relationship. "PERIOD OF COVER : the period from the commencement date to the termination date. "POLICY SCHEDULE : The letter which accompanies your Policy Document and sets out the specific details of your cover. "PRE-EXISTING CONDITION : any condition, injury, illness, disease, sickness, related condition and/or associated symptoms, whether diagnosed or not about which you:- knew or should reasonably have known at the commencement date; or had seen or arranged to see a Doctor during the 12 months immediately before the commencement date. "RETIRE / RETIRED": where you have taken early retirement; or reached your contractual retirement age, if relevant; or resigned from your employment with a pension. "STROKE": a cerebrovascular incident resulting in permanent neurological damage. Transient ischaemic attacks are specifically excluded. "TERMINATION DATE" : the earliest of the following dates:- the date on which you become 70; or the date of your death; or the date the Policy is cancelled by you or us; or the date you retire; or the date on which the Agreement is terminated or if later the date on which you pay all sums due to the coverholder following the termination of the Agreement. "UNEMPLOYMENT/UNEMPLOYED": you are not working for one of the following reasons: your employer has made you redundant; you are self-employed and you have stopped trading permanently, and: your business is being or has been wound up; or your business is in the hands of a liquidator; or your partnership has been dissolved. Your accountants or tax office would have to give us proof of this. "UNITED KINGDOM / UK": England, Scotland, Wales and Northern Ireland. "U.K. RESIDENT": a person who lives lawfully in the United Kingdom for at least 40 weeks in any 52 week period at the policy commencement date. "WAR AND CIVIL COMMOTION": war, invasion, hostilities (whether war is declared or not), civil war, rebellion, revolution or taking part in a riot or civil commotion. "WE, US, OUR": Barclays Insurance (Dublin) Limited for involuntary unemployment cover, critical illness, carer cover and accident and sickness. Barclays Assurance (Dublin) Limited for life cover. "WORK / WORKING": you are actively employed in any paid employment (or you are receiving payment instead of notice) for at least one hour a week in one or more of the following: a permanent job (where your contract of employment does not end on a given or suggested date and you pay Class 1 National Insurance contributions or make similar contributions in your country of residence); or a fixed-term contract; or you are self-employed (where you are employed alone or with a partner) in a trade or profession and assessed for tax under the Income Tax (Trading and Other Income) Act 2005 (or a similar law in the country in which you live); or you are employed by a company where you, or anyone connected with you, have control over that company. "YOU, YOUR": a U.K. resident who has applied for this insurance and has agreed to pay the premium under this Policy and who at the commencement date is: the principal cardholder; and aged between 18 and 69 years of age inclusive; and working. 13

15 PART 2 GENERAL PROVISIONS 1. Your policy schedule confirms the details of the insurance you have selected. During the period of cover this insurance shall be automatically renewed on the same date provided the premium is paid to the coverholder. 2. We confirm that you will be considered by us to have paid your premium at such time as the sum in respect of that premium is received by the coverholder. 3. No provision or condition of this Policy may be waived or modified except by an endorsement signed by an authorised official on our behalf. 4. This Policy shall have no surrender value. 5. Some of the facts you give us are known as material facts. These are facts which we think are likely to affect the risk of insuring you. Information you give or which is given on your behalf in your application form, claim forms or other documents must be accurate, particularly information about your date of birth, gender, smoker status, medical history, health, work and where you live. If it later becomes clear that a material fact was not accurate or was left out (whether deliberately or accidentally), we can cancel this Policy or refuse to pay a claim, without refunding any monthly premiums. If any information provided in relation to this Policy is fraudulent or, if fraudulent or misleading means are used by you or on your behalf, your right to any benefit under this Policy will end and we will commence proceedings to recover any benefit paid and any costs incurred as a result of such fraudulent or misleading information. You must tell us if there is a change to any of the information you have previously provided to us. 6. Except within the 30 day cooling-off period set out in Part 2 paragraph 16 of this Policy, you will not be entitled to a refund of any premium paid under this Policy unless you were ineligible at the commencement date for insurance under this Policy and provided that no information supplied to us by you or on your behalf was inaccurate. 7. It is not possible for you to transfer your rights under this Policy. 8. Except where otherwise provided in this Policy, all refunds of premium and benefits payable under this Policy shall be paid to the coverholder for the credit of the Agreement. 9. It is a general condition that you take all reasonable steps to minimise our risk and ongoing liability under this Policy. 10. This Policy, any endorsement to it, any proposal and any other written statement made by you or on your behalf on which we have relied when accepting you for cover under this Policy, shall constitute the entire contract between you and us. 11. The law of England and Wales will apply to this Policy, unless we agree otherwise with you in writing before issuing the Policy. The Contracts (Rights of Third Parties) Act 1999 will not apply to this Policy. 12. We, as joint data controllers, will keep the information you provide about yourself and third parties in accordance with our obligations under the Data Protection Acts, 1988 and 2003, the European Communities (Electronic Communications Networks and Services) (Data Protection and Privacy Regulations), 2003 (as amended), and the Code of Practice on Data Protection for the Insurance Sector (all of Ireland). We, and other members of the Barclays Group (which includes our parent company and any companies we or our parent company totally or partly own at any time) will use your information (which may include sensitive personal data such as health and conviction details) for research and analysis and to develop and improve our services to you and other customers and protect our interests. We will also use your information to manage your Policy(ies), to assess the conditions of the insurance contract, to deal with claims, to obtain/provide quotations on an ongoing basis and in the normal course of servicing and administering your insurance, to participate in internal or market level statistical exercises to prevent and detect fraud, money laundering and other crime, and to meet our legal and regulatory obligations. By going ahead with this insurance you give your permission to this information being processed by us or our associated companies or agents. The Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 (the "Act") transposes the requirements of the Third Anti- Money Laundering Directive 2005/60/EC and implementing Directive 2006/70/EC, and which repeals certain sections of the Criminal Act 1994 (as amended) (all of Ireland). For measures aimed to prevent money laundering, Barclays 14

16 Assurance (Dublin) Limited may require verification of your identity. In the event of delay or failure by you and/ or your representative to produce any information required for verification purposes, we may reject your claim. Exemptions to the identification requirements do exist and will be adopted where appropriate by Barclays Assurance (Dublin) Limited. We may give information you have provided (at the time of applying for this insurance, on making a claim, or at any other time), or information we hold or have been otherwise provided with (including how you use your insurance and other services) to the following: (a) Other companies within the Barclays Group and our relationship partners; or (b) Companies and organisations who provide a service to us, including but not limited to reinsurers and private investigators, or are acting as our agents (including their sub-contractors), on the understanding that they will keep the information confidential. If we transfer your information to a service provider or agent in another country, we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to information held in the UK or Ireland and, where appropriate, to use your information strictly in accordance with our instructions; or (c) Your advisers (including but not limited to accountants, lawyers, financial advisers or other professional advisers) where authorised by you and to any other person notified by you as authorised to give instructions or to use the account or products or services on your behalf; or (d) Anyone to whom we transfer or may transfer our rights and duties under this Policy; or (e) Any third party as a result of any restructure, sale or acquisition of any company within the Barclays Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us; or (f) Fraud-prevention agencies and other organisations, who may record, use and give out information to other insurers; or (g) Register of Claims through which insurers share such information to prevent fraudulent claims; or (h) Insurers, lenders or their agents, who may use the information for fraud prevention and detection purposes, including (but not limited to) carrying out checks against any information they hold or that is otherwise available (publicly or otherwise). We may also give out information about you if we have a duty to do so (e.g. to regulatory organisations which will monitor whether we are keeping to regulatory rules or codes) or if the law allows us to do so. We and other members of the Barclays Group will use your information (including any contact details you may have amended) to inform you by letter, telephone, text (or similar) messages, digital television, and other electronic methods, about products and services (including those of others) that may be of interest to you. You may tell us at any time if you do not wish to receive marketing communications from us or other members of the Barclays Group by writing to us or by visiting your local branch and providing your full name, address and account details and the types of communication that you no longer wish to receive (e.g. mail, telephone or ). * For quality assurance, legal, regulatory and training purposes we may monitor and record phone calls. Otherwise we will keep information about you confidential and for as long as the law and business purposes require. We will retain information about you after the closure of your account or expiry of your Policy or, if your application is declined or abandoned for as long as permitted for legal, regulatory, fraud and other financial crime prevention and legitimate business purposes. You have a right to see your personal information which we hold (and if necessary rectify, block certain uses or object to the processing of information held about you) with limited exceptions, and on payment of the appropriate fee. For more details write to: The Data Protection Co-ordinator, PO Box 586, Shannon, County Clare, Ireland. 13. Changing the terms of your Policy: (a) Changes to your monthly premium: We will review the cost of the cover, at least annually, and we may change the rate of your monthly premium if there is a change in (or we reasonably expect there to be a change in): 15

17 the rate of any relevant taxation, including Insurance Premium Tax; the costs of operating your Policy; any law, regulation or industry guidance that affects; our insurance business; or the risk of underwriting your Policy; the risk of underwriting your Policy arising from changes to the incidence, prevalence or strength of any illness or disease. We may also change the rate of your monthly premium if there is a change in (or we reasonably expect there will be a change in) the risk of underwriting your Policy arising from any unforeseen change in the cost or number of claims incurred in relation to this type of Policy. In addition, we may change the amount of your monthly premium if we have another valid reason for doing so, and we will tell you what that reason is. Any change to the rate of your monthly premium will reflect the change in the rate of any relevant taxation or will be a fair proportion, as reasonably estimated by us, of the impact of the underlying change in the costs we incur in our insurance business. (b) Changes to other terms: We may change any of the other terms and conditions of the Policy: where we reasonably consider that the change would make the terms easier to understand or fairer to you or would not be to your disadvantage; or to enable us to make reasonable changes to the way we look after your Policy so as to facilitate changes in the insurance industry, technology or the systems we use to run our insurance business or as a result of a legal, regulatory or industry requirement, guideline or code of practice (or where we reasonably expect that there will be a change in any of them). We may also change any of the other terms and conditions of your Policy for any reason not listed above. (c) Notice of any change: We will give you 60 days advance notice by post or of any change. You may cancel your Policy at any time after the first 30 days by giving 30 days notice. Please refer to Part 2 section 16 for details. You will not have to pay any additional charge for cancelling your Policy. 14. For how long will you be covered: Unless this Policy is cancelled, all cover and all relevant benefit payments provided by this Policy will end on the termination date. You can cancel your insurance at any time. Please refer to Part 2 section 16 for details. We can cancel your insurance by giving you 30 days notice in writing. This does not affect your rights in respect of a claim arising prior to the cancellation date of your Policy. You must continue to pay your monthly premium while you are claiming benefit. 15. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations, depending on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS website or by writing to Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN. 16. You can cancel your cover within 30 days of receiving this Policy. You will receive a full refund of any premium you have paid under this Barclays Insurance (Dublin) Limited / Barclays Assurance (Dublin) Limited Policy provided that you have not made a successful claim. If you do not cancel your cover within 30 days, your cover will continue for the remaining period but if you subsequently cancel your cover you will not be entitled to a refund of premiums. If you want to cancel your cover, please write to Barclaycard, PO Box 5592, Northampton NN4 1ZY or telephone Barclaycard on *. 16

18 PART 3 BENEFITS (A) Life Cover What is Covered We will pay the lesser of either the outstanding balance (including arrears, which are no more than 3 months overdue, if applicable) or the credit limit up to a maximum of 25,000 to the coverholder if, during the period of cover, you die, at which stage all cover will cease. WHAT IS NOT COVERED We will not pay benefit if the death results, directly or indirectly, from:- a pre- existing condition (See Special Notes below) or a chronic condition; or ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; or your consumption of alcohol or you taking drugs otherwise than under the direction of a Doctor (provided that such direction is not given due to your treatment for drug addiction or dependence); or criminal or fraudulent acts in which you are involved; or surgery which is not medically necessary or is undertaken solely at your request; or war and civil commotion; or you committing suicide in the first year of the Policy. Special Note: This exclusion will not apply to a pre-existing condition if you have been free from symptoms and have not consulted a Doctor or received treatment for 24 months after the Policy commencement date. If you had appointments to see a Doctor within this period and these were not kept, the pre-existing condition exclusion will apply unless you had been formally discharged. (B) ACCIDENT AND SICKNESS COVER WHAT IS COVERED We will pay monthly benefit to the coverholder if, during the period of cover, you suffer disability. Please note payment of monthly benefit is subject to the following conditions:- you must have been disabled for a continuous period of 28 days after which one monthly benefit shall become payable; and daily benefit shall then become payable in respect of each consecutive day of your disability until the earliest of the following dates:- the date on which you cease to be disabled or fail to provide proof that you are disabled; or the date on which you return to work; or the date on which the lesser of either the outstanding balance or the credit limit has been paid; or the termination date. where 2 periods of disability arising from the same condition are separated by 84 days or less we will treat this as one continuous claim. subject to continuous claims as outlined in the point above, you will not be entitled to any further monthly benefit under the accident and sickness cover part of this Policy until you have returned to work for a period of at least 28 days. the maximum monthly benefit payable under the accident and sickness cover Part of this Policy, is 2,500. if we stop paying monthly benefit because the monthly benefits you have received have cleared the outstanding balance and any subsequent disability claim results from the same condition then you will not be entitled to any further monthly benefit under the accident and sickness cover Part of this Policy until you have returned to work for a continuous period of 84 days. WHAT IS NOT COVERED We will not pay benefits if the disability results, directly or indirectly, from:- an episode of self-harm; or your consumption of alcohol or you taking drugs otherwise than under the direction of a Doctor (provided that such direction is not given due to your treatment for drug addiction or dependence); or any psychotic or psychoneurotic illness, mental or nervous disorder or stress or stress related condition, unless the condition has been diagnosed by a Consultant 17

19 Psychiatrist and you are under continued supervision and receiving treatment from a Consultant Psychiatrist; or backache and related conditions unless there is radiological evidence of medical abnormality resulting in disability; or a pre- existing condition (See Special Note below) or a chronic condition; or criminal or fraudulent acts in which you are involved; or ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; or surgery which is not medically necessary or is undertaken solely at your request. You will only be able to claim one type of benefit at a time. Special Note: This exclusion will not apply to a pre-existing condition if you have been free from symptoms and have not consulted a doctor or received treatment for the 24 months period prior to your claim. If you had appointments to see a doctor within this period and these were not kept, the pre-existing condition exclusion will apply unless you had been formally discharged. (C) INVOLUNTARY UNEMPLOYMENT COVER WHAT IS COVERED Involuntary unemployment benefits are only payable for your first claim if you have been in continuous work for at least 6 months immediately prior to the date of your unemployment. This condition does not apply for any subsequent claim. We will pay:- Monthly benefit to the coverholder if, during the period of cover, you suffer unemployment. Please note payment of monthly benefit is subject to the following conditions:- you must have been unemployed for a continuous period of 28 days, after which one monthly benefit shall become payable; and daily benefit shall become payable in respect of each consecutive day of your unemployment until the earliest of the following dates:- the date on which you cease to be unemployed or fail to provide proof that you are unemployed; or the date on which the lesser of either the outstanding balance or the credit limit has been paid; or the termination date. where you are unemployed for two periods separated by less than 84 days we wil treat this as one continuous claim. if whilst you are unemployed you wish to commence temporary work then, provided you have first contacted us and have given us full details of the temporary work and have received our agreement, if the temporary work does not continue for more than 6 months we will not, during that period, pay monthly benefit but will treat your claim as suspended and will, thereafter, commence or resume payment of monthly benefit as if you had one continuous claim. if you cease to be entitled to monthly benefit under the involuntary unemployment cover Part of this Policy, then you will not be entitled to any further monthly benefit under the involuntary unemployment cover Part of this Policy until you have returned to work for a continuous period of at least 6 months. the maximum monthly benefit payable under the involuntary unemployment cover Part of this Policy, is 2,500. benefit shall not be payable under the involuntary unemployment cover Part of this Policy if you are currently receiving benefit under the accident and sickness cover Part of this Policy. if, during payment of an unemployment claim, you are not able to actively seek work because of a disability, we will continue to pay monthly benefit as long as none of the exclusions in the accident and sickness part of this Policy apply. if you are a self-employed business owner, you will need to provide evidence that your business has totally and permanently ceased to trade and that you have filed cessation accounts with the Inland Revenue. 18

20 WHAT IS NOT COVERED We will not pay benefit if:- your unemployment occurs within 28 days of the commencement date or notification of unemployment was given to you (or if, in our reasonable opinion you were aware of a forthcoming notification) prior to the commencement date; or your unemployment is in any manner voluntary; or you are, at the date of your unemployment:- engaged in an occupation of which involuntary unemployment is a regular or recurrent feature; or if your fixed-term contract reaches its expected expiry date, unless you have an employment history with your employer and none of the circumstances in this section apply (see Special Notes below); or employed by a limited liability partnership or a company of which you or your partner, parent child, brother or sister were a director and/or shareholder (other than by way of bona fide investment of a company quoted on a recognised stock exchange); or someone who is selfemployed or by a partnership, where the person who is self-employed, or any of the partners of the partnership, is your partner, parent, child, brother or sister. This exclusion will not apply where the company, partnership or person by whom you were employed ceases totally and permanently to trade at the same time or immediately following you becoming unemployed; or employed on a temporary basis or employed by an employer for a specific task or job and the completion of this task or job has resulted in your unemployment; or unemployment occurs after you have retired; or you become unemployed as a result of:- your own act, omission or negligence for example: dishonesty or anything that led to or might have led to a disciplinary procedure, your resignation, any unemployment of a voluntary nature, or where you have retired; or criminal or fraudulent acts in which you are involved; or ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; or if you are in receipt of a payment in lieu of notice, your unemployment will not be deemed to have started until the day after the period covered by the payment in lieu of notice and your entitlement to benefit will not start until 28 days after the expiry of the period for which you have received payment in lieu of notice. You will only be able to claim one type of benefit at a time. Special Notes: If you are on a fixed term contract that has reached its expiry date, you will be eligible to make a claim if the following circumstances apply: you become unemployed due to the expiry of, or during, a fixed term contract and immediately prior to your unemployment, you have been employed for at least 12 consecutive months and your contract has been renewed at least once. you become unemployed due to the expiry of, or during, a fixed term contract and immediately prior to your unemployment, you have been in employment for a total unbroken period of 24 months or more with the same employer. you become unemployed due to the expiry of, or during, a fixed term contract and you have previously been employed by the same employer on a permanent basis but were transferred to a fixed term contract without a break in employment. In addition, if you are unable to meet the employment criteria in the special notes above, and your contract has been terminated before the due expiry date, you will be eligible to claim benefit for the period until the original expiry date of the fixed term contract if you have an employment history with your employer and none of the exclusions above apply. 19

21 (D) CARER COVER WHAT IS COVERED We will pay the lesser of either the outstanding balance or the credit limit up to a maximum of 25,000 to the coverholder if, during the period of cover you become a carer. Payment of benefits is subject to the following requirements:- prior to any benefit being paid under this section of the Policy, you will have to provide a letter from the Doctor of your relative to confirm the nature and start date of the condition suffered. This will include details of when the patient first consulted for this condition and when it was first diagnosed. if you are a self-employed business owner, you will need to provide evidence that your business has totally and permanently ceased to trade and that you have filed cessation accounts with the Inland Revenue and that this did not occur for reasons other than you having to become a carer. WHAT IS NOT COVERED We will not pay benefits if:- the sickness, disease, condition or injury of the person being cared for existed prior to the commencement date (this exclusion will not apply if, in the opinion of our Chief Medical Officer, the sickness, disease, condition or injury would not have normally deteriorated or was not considered likely to deteriorate to the extent that full time care is required during the period of cover); or your work ceases for any other reason not associated with the need to become a carer; or your resignation / temporary unpaid leave of absence is from work, which is of a casual or temporary nature. you are currently receiving benefits under the accident and sickness cover or involuntary unemployment cover Part of this Policy. You will only be able to claim one type of benefit at a time. (E) CRITICAL ILLNESS COVER WHAT IS COVERED We will pay the lesser of either the outstanding balance (including up to 3 months' arrears if applicable) or the credit limit up to a maximum of 25,000 to the coverholder if, during the period of cover, you suffer critical illness from which you survive for a period of 28 days or more from the date of diagnosis. Exclusions:- pre-existing conditions exclusion: no benefit will be payable in respect of a claim arising in connection with a critical illness condition which was diagnosed before the commencement date of this Policy. In addition, no benefit will be payable for any critical illness condition which, in the opinion of our Chief Medical Officer, has resulted directly or indirectly from a condition for which you have previously received treatment or of which you were aware at the commencement date of the Policy. for the purposes of this exclusion, the suffering or undergoing of a heart attack or stroke is considered to be the same disease. WHAT IS NOT COVERED We will not pay benefits if the critical illness:- is suffered by you within 3 months of the commencement date; results directly or indirectly from: an episode of self-harm; or your consumption of alcohol or you taking drugs otherwise than under the direction of a Doctor (provided that such direction is not given due to your treatment for drug addiction or dependence); or ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. You will only be able to claim one type of benefit at a time. 20

22 PART 4 HOW TO MAKE A CLAIM STEP 1: To make a claim or for any queries on your claims process, please phone us on *. STEP 2: We will take the details of your claim and register the claim (and, where possible, give you a decision) over the phone, or we will send you a claim form, which you should complete in full and provide the relevant additional information (in English) to support your claim (as applicable): ACCIDENT OR SICKNESS CLAIM: A Doctor s certificate confirming your condition and your employer s confirmation of your absence from work. CARER COVER: Confirmation you are registered with the Department of Work and Pensions as a carer for at least 35 hours a week. CRITICAL ILLNESS: A Doctor s certificate confirming your condition. INVOLUNTARY UNEMPLOYMENT CLAIM: confirmation of Jobseekers Allowance (or the equivalent in your country of residence); or if you are ineligible for Jobseekers Allowance, alternative evidence that you are actively looking for work; and your employer s confirmation of your unemployment; or if you are self-employed, evidence (including the reason for closure) from your accountant or tax office that your business has ceased to trade. LIFE CLAIM: A copy of your death certificate will be required from your representative. GENERAL CLAIMS: Your must provide and pay for any proof that is required to support your claim: in the event of your death, to enable us to assess your entitlement to benefit, additional information may be required from a medical practitioner who has treated you. In the event that additional medical information is required, you agree to us requesting and obtaining medical information from any medical practitioner who has treated you. throughout any period for which disability or unemployment benefits are claimed you should provide, at your expense, such proof of continued disability or unemployment, as may be reasonably required, and other than in exceptional circumstances, no benefits shall be payable for any period for which the required substantiating proof is not provided. in the event that you become a carer, to enable us to assess your entitlement to benefit, additional information will be required from your employer and you agree to us requesting and obtaining such information. If you are self employed, you will need to provide such evidence that your business has totally and permanently ceased to trade. You will also be asked to provide at your expense written confirmation from the Doctor of your relative confirming the details surrounding their medical condition. we may require you, at our expense, to be examined by a medical examiner of our choice. If you fail to attend any such examination, no further benefit shall be payable. STEP 3: Return the claim form with the required evidence (we will confirm receipt of this by text where applicable i.e. where you have provided a current mobile number and have agreed to be contacted by mobile phone). 21

23 STEP 4: We will contact you by telephone or in writing to advise on our decision about your claim. If we have accepted your claim, we will pay it promptly to your Barclaycard account. STEP 5: We will send you a continuing claim form each month, which you need to complete and return to us and, if approved, we will pay the benefit each month until you tell us that you no longer qualify to claim or until the claim is fully paid, whichever is sooner. Any subsequent claim benefit payments will be dependent upon your assistance in providing any additional information required and our continuing assessment of your claim. We may send a representative to visit you during the period of a claim. If you are receiving any State benefits, you will need to advise the relevant authority if you are entitled to receive benefit under this Policy. In certain circumstances, for example where the State benefits are means tested, your entitlement to State benefits may be affected if you receive benefits under this Policy. BACK TO WORK SUPPORT PROGRAMME: If your involuntary unemployment claim continues beyond 30 days, we may offer you support, additional information and advice to assist you with your return to work. This is a free service and includes helpline assistance and guidance relating to CV writing and information on job vacancies and helpful websites. * For quality assurance, legal, regulatory and training purposes we may monitor and record phone calls. PART 5 CUSTOMER SERVICE Any enquiry or complaint or feedback regarding this Policy should in the first instance be addressed to:- (a) If you have any complaints or feedback about the sales process: Please contact Barclaycard as follows : By phoning *; or Barclaycard, Customer Relations Department, PO BOX 9131, 51 Saffron Road, Leicester LE18 9DE. (b) If you have any complaints or feedback about this Policy: Please contact us as follows: By phoning us on *; or By writing to the Customer Services Team at Barclays Insurance (Dublin) Limited / Barclays Assurance (Dublin) Limited, PO Box 586,Shannon, County Clare, Ireland; or By sending us a fax on Please supply details of your Policy Number to enable the enquiry to be dealt with promptly. If you are not satisfied that we have fully dealt with your complaint, you are entitled to refer it to: The Financial Ombudsman Service is at:- South Quay Plaza 183 Marsh Wall London E14 9SR Telephone None of the above affects any right of action you may have. 22

24 Contact Details You can contact us by calling *, by sending a fax to * or by writing to: Barclays Insurance (Dublin) Limited or Barclays Assurance (Dublin) Limited, PO Box 586, Shannon, County Clare, Ireland. This item can be provided in Braille, large print or audio by calling * (via TextDirect if appropriate) or by ordering online from *For quality assurance, legal, regulatory and training purposes we may monitor and record phone calls. Calls to 0500 numbers are free when calling from a UK landline. Calls to 0800 numbers are free when calling from a UK landline. Charges for 0870 numbers are charged at national rates. Additional charges may apply when using a mobile phone or when calling from abroad. This insurance is underwritten by Barclays Insurance (Dublin) Limited for Critical Illness Cover, Accident and Sickness Cover, Involuntary Unemployment Cover and Carer Cover and by Barclays Assurance (Dublin) Limited for Life Cover. Barclays Insurance (Dublin) Limited (Registered Number ) and Barclays Assurance (Dublin) Limited (Registered Number ) have their Registered Office at Two Park Place, Hatch Street, Dublin 2, Ireland. Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited are regulated by the Central Bank of Ireland. Barclays Bank PLC has an indirect 100% shareholding in Barclays Insurance (Dublin) Limited. Barclays Bank PLC is authorised and regulated by the Financial Services Authority and is registered in England. Registered No Registered Office: 1 Churchill Place, London E14 5HP. 23 BCD PPITC 09/11