Dependable roadside assistance, 24 hours a day, 7 Your Guide to Benefit describes the benefit ® days a week has never been easier. No membership in effect as of 4/1/17. Benefit information Roadside Dispatch or pre-enrollment is required. Just call Roadside Dis- in this guide replaces any prior benefit patch toll-free when you need them. information You may have received. Please For roadside assistance, call 1-800-847-2869 read and retain for Your records. Your eligibility is determined by Your financial What is Roadside Dispatch? 1-800-847-2869 ~ it’s that easy! institution. Roadside Dispatch is a pay-per-use roadside Note: Customers must pay service provider for mileage over assistance program. The program provides you 5 miles. A secondary unit being towed behind is not included with security and convenience wherever your but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county main- Auto Rental Collision travels take you. tained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services Damage Waiver No membership or pre-enrollment is required. No annual under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing dues. No limit on usage. prior to any service dispatch. This program may be discon- tinued at any time without prior notice. Program void where No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents For a set price per service call, the program prohibited. do happen, and vehicles do get stolen. No matter provides: 1 Any vehicle with wheels is covered under the program what happens to Your rental car, You can be covered as long as it can be classified as ‘Light Duty’. ‘Light Duty’ 1 • Standard Towing – Up to 5 miles included vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles with Auto Rental Collision Damage Waiver. Auto weighing more than 10,000 lbs. are considered ‘Medium Rental Collision Damage Waiver reimburses You • Tire Changing – must have good, inflated spare Duty’ or ‘Heavy Duty’ and are NOT covered under this pro- for damages caused by theft or collision -- up to gram. the Actual Cash Value of most rented cars. Auto • Jump Starting Rental Collision Damage Waiver covers no other Service providers supplying emergency Additional Terms: type of loss. For example, in the event of a collision • Lockout Service (no key replacement) roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Nu- involving Your rented vehicle, damage to any other merica Credit Union shall have any responsibility or liability • Fuel Delivery – up to 5 gallons (plus the cost of driver’s car or the injury of anyone or anything in connection with the rendering of the service. Emergency is not covered. Rental periods of fifteen (15) fuel) roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not consecutive days within Your country of residence, • Standard Winching accessible by ordinary towing vehicles. Weather conditions, and thirty-one (31) consecutive days outside it, are time of day, and availability of service may affect assistance both covered. (Longer rental periods, however, are responses. Expectations for dispatch are set with the custom- not covered.) Roadside Dispatch will ask you where you are, er on every call, and an expected estimated time of arrival what the problem is, and while they remain on is provided to the customer regardless of their location; however, neither Visa nor Numerica Credit Union provides You are eligible for this benefit if Your name is the phone with you, they will arrange a dispatch any assurances as to the ability of the Service Provider to embossed on an eligible card issued in the United to a reliable tow operator or locksmith to provide meet such estimates. You are responsible for any roadside States and You use it to initiate and complete help. (If you feel you are in an unsafe location assistance or towing charges incurred by facilities respond- – Roadside Dispatch will advise you to hang up ing to your request even if you are not with your vehicle or Your entire car rental transaction. Only You as your vehicle is gone upon their arrival. Services provided by the primary car renter and any additional drivers and dial 911. If you are not able to dial 911, they United States Auto Club, Motoring Division, Inc. will call the non-emergency police number in permitted by the Rental Car Agreement are covered. your area, and will remain on the phone with you ©2018 Visa. All Rights Reserved. at your request until the police arrive.) You have How Auto Rental Collision Damage Waiver the convenience of one toll-free phone number works with other insurance and you may save money because their rates Auto Rental Collision Damage Waiver covers are pre-negotiated. theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary

Numerica Credit Union Visa Luna Benefits PAGE | 2 towing charges, due to a covered theft or damage to car for any prior damage. If You have questions about a specific the nearest qualified repair facility. vehicle’s coverage or organization where This benefit is in effect during the time the rental car the vehicle is being reserved, call the Benefit If You do have personal automobile insurance or is in Your (or an authorized driver’s) control, and Administrator at 1-800-348-8472, or call other insurance that covers theft or damage, this it terminates when the rental company reassumes collect outside the United States at 1-804- benefit reimburses You for the deductible portion control of their vehicle. 673-1164. of Your car insurance or other insurance, along with any unreimbursed portion of administrative This benefit is available in the United States and Related instances & losses not covered and loss-of-use charges imposed by the car rental most foreign countries (with the exception of company, as well as reasonable towing charges while Israel, Jamaica, the Republic of Ireland • Any obligation You assume under any the car was Your responsibility. or Northern Ireland). However, this benefit is agreement (other than the deductible on not available where precluded by law, or where Your personal auto policy) If You do not have personal automobile insurance it’s in violation of the territory terms of the or any other insurance, the benefit reimburses You auto rental agreement, or when prohibited by • Any violation of the auto rental agreement for covered theft, damage, or administrative and individual merchants. Because regulations or this benefit loss-of-use charges imposed by the rental company, vary outside the United States, check with • Injury of anyone, or damage to anything, as well as reasonable towing charges that occur Your auto rental company and the Benefit inside or outside the Rental Vehicle while You are responsible for the vehicle. Administrator before You travel, to be sure that Auto Rental Collision Damage Waiver • Loss or theft of personal belongings If You are renting outside of Your country of will apply. residence, the coverage provided under this • Personal liability benefit is primary and reimburses You for covered Vehicles not covered theft, damage, or administrative and loss-of-use • Expenses assumed, waived, or paid by the charges imposed by the rental company, as well as Certain vehicles are not covered by this benefit, they auto rental company, or its insurer reasonable towing charges that occur while You are consist of: expensive, exotic, and antique cars; cargo responsible for the vehicle. vans; certain vans; vehicles with an open cargo • The cost of any insurance, or collision bed; trucks; motorcycles; mopeds; motorbikes; damage waiver, offered by or purchased How to use Auto Rental Collision Damage limousines; and recreational vehicles. through the auto rental company Waiver Examples of expensive or exotic cars are the Alfa • Depreciation of the Rental Vehicle caused 1. Use Your card to initiate and complete Your Romeo, Aston Martin, Bentley, Corvette, Ferrari, by the incident including, but not limited to, entire car rental transaction. Jaguar, Lamborghini, Lotus, Maserati, Maybach, “diminished value” McLaren, Porsche, Rolls Royce, and Tesla. However, 2. Review the auto rental agreement and selected models of Audi, BMW, Mercedes-Benz, • Expenses reimbursable by Your insurer, decline the rental company’s collision Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and employer, or employer’s insurance damage waiver (CDW/LDW) option, Range Rover are covered. or a similar provision, as accepting • Theft or damage due to intentional acts, this coverage will cancel out Your An antique car is defined as one that is over or due to the driver(s) being under the benefit. If the rental company insists twenty (20) years old, or one that has not been influence of alcohol, intoxicants, or drugs, that You purchase their insurance or manufactured for ten (10) years or more. or due to contraband, or illegal activities collision damage waiver, call the Benefit Administrator for assistance at 1-800- Vans are not covered. But those designed as small- • Wear and tear, gradual deterioration, or 348-8472. Outside the United States, group transportation vehicles (seating up to nine (9) mechanical breakdown call collect at 1-804-673-1164. people, including the driver) are covered. • Items not installed by the original Before You leave the lot, be sure to check the manufacturer

Numerica Credit Union Visa Luna Benefits PAGE | 3 • Damage due to off-road operation of the Filing a claim Submit all of the above documents from the rental Rental Vehicle company, along with the following documents, to It is Your responsibility as a cardholder to make the Benefit Administrator: • Theft or damage due to hostility of any every effort to protect Your Rental Vehicle from kind (including, but not limited to, war, damage or theft. If You have an accident, or Your • The completed and signed Auto Rental invasion, rebellion, insurrection, or terrorist Rental Vehicle has been stolen, immediately call Collision Damage Waiver claim form activities) the Benefit Administrator at 1-800-348-8472 (Important: This must be postmarked to report the incident, regardless of whether Your within ninety (90) days* of the theft or • Confiscation by authorities liability has been established. Outside the United damage date, even if all other required States, call collect at 1-804-673-1164. documentation is not yet available – or • Vehicles that do not meet the definition of Your claim may be denied). covered vehicles You should report the theft or damage as soon as possible but no later than forty-five (45) days • A copy of Your monthly billing statement • Rental periods that either exceed, or are from the date of the incident. (showing the last 4 digits of the Account intended to exceed, fifteen (15) consecutive number) demonstrating that the entire days, within Your country of residence, or The Benefit Administrator reserves the right to rental transaction was made on Your thirty-one (31) days outside Your country of deny any claim containing charges that would not eligible Account. residence have been included, if notification occurred before the expenses were incurred. Thus, it’s in Your • A statement from Your insurance carrier • Leases and mini leases best interest to notify the Benefit Administrator (and/or Your employer or employer’s immediately after an incident. Reporting to any insurance carrier, if applicable), or other • Theft or damage as a result of the other person will not fulfill this obligation. reimbursement showing the costs for which authorized driver’s and/or cardholder’s lack You are responsible, and any amounts of reasonable care in protecting the Rental What You must submit to file aclaim that have been paid toward the claim. Or, Vehicle before and/or after damage or theft if You have no applicable insurance or occurs (for example, leaving the car running At the time of the theft or damage, or when You reimbursement, a statement of no insurance and unattended) return the Rental Vehicle, ask Your car rental or reimbursement is required. company for the following documents: • Theft or damage reported more than forty- • A copy of Your primary insurance policy’s five (45) days* after the date of the incident • A copy of the accident report form Declarations Page (if applicable) to confirm Your deductible (This means the • Theft or damage for which a claim form has • A copy of the initial and final auto rental document(s) in Your insurance policy that not been received within ninety (90) days* agreements (front and back) from the date of the incident lists names, coverages, limits, effective • A copy of the repair estimate and itemized dates, and deductibles). • Theft or damage for which all required repair bill documentation has not been received within • Any other documentation required by the three hundred and sixty-five (365) days • Two (2) photographs of the damaged Benefit Administrator to substantiate the after the date of the incident vehicle, if available claim.

• Theft or damage from rental transactions • A police report, if obtainable Finally, please note that all remaining documents that originated in Israel, Jamaica, the must be postmarked within three hundred and Republic of Ireland, or Northern Ireland • A copy of the demand letter which indicates sixty-five (365) days* of the theft or damage date or the costs You are responsible for and any Your claim may be denied. *Not applicable to residents in certain states amounts that have been paid toward the claim *Not applicable to residents of certain states.

Numerica Credit Union Visa Luna Benefits PAGE | 4 For faster filing, or to learn more about You or Your means an Eligible Person who uses apply to cardholders whose Accounts have Auto Rental Collision Damage Waiver, visit their eligible card to initiate and complete the rental been suspended or cancelled. www.eclaimsline.com car transaction. • Termination dates may vary by financial Finalizing Your claim Additional provisions for Auto Rental institutions. Your financial institution Collision Damage Waiver can cancel or non-renew the benefits for Your claim will typically be finalized within 15 cardholders, and if they do, they will notify (fifteen) days, after the Benefit Administrator • Signed or pinned transactions are covered You at least thirty (30) days in advance. has received all the documentation needed to as long as You use Your eligible Account to Indemnity Insurance Company of North substantiate Your claim. secure the transaction. America (“Provider”) is the underwriter of these benefits and is solely responsible for Transference of claims • You shall do all things reasonable to avoid its administration and claims. The Benefit or diminish any loss covered by this benefit. Administrator provides services on behalf of Once Your claim has been paid, all Your rights This provision will not be unreasonably the Provider. and remedies against any party in regard to applied to avoid claims. this theft or damage will be transferred to the • After the Benefit Administrator has paid Benefit Administrator, to the extent of the cost of • If You make any claim knowing it to be false Your claim, all Your rights and remedies payment made to You. You must give the Benefit or fraudulent in any respect, no coverage against any party in respect of this claim will Administrator all assistance as may reasonably be shall exist for such claim, and Your benefit be transferred to the Benefit Administrator required to secure all rights and remedies. may be cancelled. Each cardholder agrees to the extent of the payment made to You. that representations regarding claims will You must give the Benefit Administrator all Definitions be accurate and complete. Any and all assistance as may reasonably be required to relevant provisions shall be void in any secure all rights and remedies. Account means Your credit or debit card Accounts. case of fraud, intentional concealment, or misrepresentation of material fact. Actual Cash Value means the amount a Rental • This benefit does not apply to the extent that trade or economic sanctions or other Vehicle is determined to be worth based on its • No legal action for a claim may be brought market value, age and condition at the time of loss. laws or regulations prohibit the provision of against the Provider until sixty (60) days insurance, including, but not limited to, the after the Provider receives Proof of Loss. Eligible Person means a cardholder who pays for payment of claims. No legal action against the Provider may their auto rental by using their eligible Account. be brought more than two (2) years after For more information about the benefit Rental Car Agreement means the entire contract the time for giving Proof of Loss. Further, described in this guide, call the Benefit an eligible renter receives when renting a Rental no legal action may be brought against the Administrator at 1-800-348-8472, or call Vehicle from a rental car agency which describes in Provider unless all the terms of the Guide to collect outside the U.S. at 1-804-673-1164. full all of the terms and conditions of the rental, as Benefits have been complied with fully. FORM #ARCDW – 2017 (Stand 04/17) ARCDW-O well as the responsibilities of all parties under the • This benefit is provided to eligible contract. cardholders at no additional cost. The Rental Vehicle means a land motor vehicle terms and conditions contained in this with four or more wheels as described in the Guide to Benefits may be modified by participating organization’s disclosure statement subsequent endorsements. Modifications to which the eligible renter has rented for the period of the terms and conditions may be provided time shown on the Rental Car Agreement and does via additional Guide to Benefits mailings, not have a manufacturer’s suggested retail price statement inserts, statement messages exceeding the amount shown on the participating or electronic notification. The benefits organization’s disclosure statement described in this Guide to Benefits will not

Numerica Credit Union Visa Luna Benefits PAGE | 5 Your Guide to Benefit describes the benefit Travel and Emergency Assistance Services provide also follow up to make sure bail has been in effect as of 4/1/17. Benefit information assistance and referral only. You are responsible for properly handled. All costs are Your in this guide replaces any prior benefit the cost of any actual medical, legal, transportation, responsibility. information You may have received. Please cash advance, or other services or goods provided. read and retain for Your records. Your • Emergency Transportation Assistance eligibility is determined by Your financial To use the services, simply call the toll-free, 24-hour – can help You make all the necessary institution. Benefit Administrator line at 1-800-992-6029. arrangements for emergency transportation home or to the nearest medical facility. This If You are outside the United States, call includes arranging to bring Your Young collect at 1-804-673-1675. children home and helping You stay in Travel and Emergency contact with family members or employers What are the specific services and how can during the emergency. In the case of a Assistance Service they help me? death, the Benefit Administrator can make arrangements to repatriate the remains. All • Emergency Message Service – can record costs are Your responsibility. Emergencies can escalate quickly when You and relay emergency messages for travelers are traveling away from home. Something that or their immediate family members. The • Emergency Ticket Replacement – helps is relatively straight forward when You are not Benefit Administrator will use reasonable You through Your carrier’s lost ticket traveling, like replacing prescription medication, efforts to relay emergency messages in reimbursement process and assists in the can be a difficult task when You are dealing with accordance with benefit guidelines and delivery of a replacement ticket to You, local laws or language barriers. limitations, but cannot take responsibility should You lose Your ticket. All costs are for the failure to transmit any message Your responsibility. Travel and Emergency Assistance Services are made successfully. All costs are Your available to help You in case of an emergency while responsibility. • Lost Luggage Locator Service – can help You are traveling away from home. The Benefit You through the Common Carrier’s claim Administrator can connect You with the appropriate • Medical Referral Assistance – provides procedures or can arrange shipment of local emergency and assistance resources available, medical referral, monitoring, and follow- replacement items if an airline or Common 24 hours a day, 365 days a year. up. The Benefit Administrator can give You Carrier loses Your checked luggage. You names of local English-speaking doctors, Please note that due to occasional issues are responsible for the cost of any dentists, and hospitals; assign a doctor replacement items shipped to You. such as distance, location, or time, neither to consult by phone with local medical the Benefit Administrator nor its service personnel, if necessary, to monitor Your • Emergency Translation Services – provides providers can be responsible for the condition; keep in contact with Your family, telephone assistance in all major languages availability, use, cost, or results of any and provide continuing liaison; and help and helps find local interpreters, if available, medical, legal, transportation, or other You arrange medical payments from Your when You need more extensive assistance. services. personal account. All costs are Your All costs are Your responsibility. responsibility. What are Travel and Emergency Assistance • Prescription Assistance and Valuable Services and how do I use these services • Legal Referral Assistance – can arrange Document Delivery Arrangements – can when I need them? contact with English-speaking attorneys help You fill or replace prescriptions, subject and U.S. embassies and consulates if Travel and Emergency Assistance Services are to local laws, and can arrange pickup and You’re detained by local authorities, have made available to You, if You are a cardholder of delivery of Your prescriptions filled for a car accident, or need legal assistance. In an eligible card issued in the United States. Your You at local pharmacies. It can also help addition, the Benefit Administrator can spouse and children (dependents under 22 years transport critical documents that You may coordinate bail payment from Your personal old) are also eligible to use these services. have left at Your home or elsewhere. All account. The Benefit Administrator can costs are Your responsibility.

Numerica Credit Union Visa Luna Benefits PAGE | 6 • Pre-Trip Assistance – can give You Your Guide to Benefit describes the benefit If You do have personal insurance that covers theft, information on Your destination before in effect as of 4/1/17. Benefit information damage or involuntary and accidental parting for You leave such as ATM locations, currency in this guide replaces any prior benefit Your cell phone, this benefit reimburses You for the exchange rates, weather reports, health information You may have received. Please deductible portion of Your cell phone insurance. precautions, necessary immunizations, and read and retain for Your records. Your required passport visas. eligibility is determined by Your financial If You do not have personal insurance, the benefit institution. reimburses You for the covered theft, damage, or Definitions involuntary and accidental parting for Your cell phone. Common Carrier means any mode of transportation by land, water or air operating for Cellular Telephone Once all other insurance has been exhausted, hire under a license to carry passengers for which a Cellular Telephone Protection will provide coverage ticket must be purchased prior to travel. Does not Protection ($250) up to $ 250 per claim with a maximum of two (2) include taxi, limousine service, commuter rail or claims and $ 500.00 per twelve (12) month period. commuter bus lines. Cell phones have become an everyday necessity for If it is determined that Your cell phone requires the average person, which means if Your cell phone replacement due to the theft of, damage to or an You or Your means an eligible person whose name is damaged or stolen, getting it repaired or replaced involuntary or accidental parting of the device, is embossed on an eligible U.S. issued card, and You is not optional. You will receive the replacement value subject to reside in the United States. the fifty-dollar ($50.00) deductible and the benefit Fortunately, Cellular Telephone Protection is maximum. The replacement value is the lesser of Additional Provisions for Travel and available which provides coverage for damage to, Your cellular wireless service provider’s suggested Emergency Assistance Services theft of, or involuntary and accidental parting of retail value of a similar model replacement cell phone or the actual cost to replace the cell phone. This benefit is provided to eligible cardholders Your cell phone. An involuntary and accidental at no additional cost. The terms and conditions parting is the unintended separation from Your cell phone when its location is known, but recovery is If Your cell phone is repairable, You will receive an contained in this Guide to Benefits may be modified amount as determined by the diagnostic to repair by subsequent endorsements. Modifications to the impractical to complete. This benefit is available if You are a valid cardholder of an eligible U.S. issued the cell phone subject to the benefit maximum and terms and conditions may be provided via additional fifty-dollar ($50.00) deductible. Guide to Benefits mailings, statement inserts, card enrolled in the Cellular Telephone Protection benefit and You charge Your monthly cellular statement messages or electronic notification. The Note: Electronic issues, such as inability to charge, wireless phone bills to Your eligible card for the benefits described in this Guide to Benefits will not mechanical or battery failure, where there is no apply to cardholders whose accounts have been billing cycle before the month in which the incident evidence of physical damage, are not covered suspended or cancelled. occurs. Eligible cell phones are the lines listed on under this program. Your most recent cellular wireless service provider’s For more information about the benefit (“cell phone provider”) monthly billing statement When does it apply? described in this guide, call the Benefit for the billing cycle prior to when the incident Administrator at 1-800-992-6029, or call occurred. Cellular Telephone Protection applies when You collect outside the U.S. at 1-804-673-1675. make Your monthly cellular wireless phone bill What is covered? payment with Your eligible card. Coverage begins the first day of the calendar month following a This benefit is supplemental coverage, which means FORM #VTEAS – 2017 (Stand 04/17) TEAS-O payment of the cellular wireless phone bill. that it will reimburse You for theft of, damage to or involuntary and accidental parting of Your cell If You fail to make a cellular wireless phone bill phone not otherwise covered by another insurance payment in a particular month, Your coverage will policy (for example; cell phone insurance programs, be suspended. Coverage will resume on the first day or Your homeowner’s, renter’s, automobile, or of the calendar month after the date of any future employer’s insurance policies).

Numerica Credit Union Visa Luna Benefits PAGE | 7 cellular wireless phone bill payment made with the kind (including, but not limited to, war, monthly payment for the cellular wireless phone eligible card. invasion, rebellion, or insurrection), bill was made the month prior to the date of confiscation by the authorities, risks of damage or theft and has been paid with the If Your cell phone is stolen as a result of contraband, illegal activities, normal wear eligible card. criminal activity, You must file a police and tear, flood, earthquake, radioactive report within forty-eight (48) hours of the contamination, or damage from inherent • If Your cellular wireless service provider’s event. product defects billing statement doesn’t show payment with the eligible card, a copy of Your card monthly What is not covered? • Damage or theft resulting from misdelivery billing statement that corresponds with the or voluntary parting with the cell phone above cellular wireless phone monthly billing This benefit will not provide reimbursement for the statement following: • Taxes, delivery and transportation charges, and any fees associated with the cellular • A copy of the device summary page from Your • Cell phone accessories other than standard wireless service provider cellular wireless phone bill or other sufficient battery and/or standard antenna provided proof of the claimed cell phone model linked to by the manufacturer How to file a CellularTelephone Protection Your cell phone account claim • Cell phones purchased for resale, • If the claim is due to theft or criminal action, professional, or commercial use 1. Within sixty (60) days of the date of a copy of the police report filed within forty- the damage or theft, notify the Benefit eight (48) hours of the event • Cell phones that are lost or “mysteriously Administrator at disappear,” meaning that the phone • Based on the details of the claim, the Benefits vanished in an unexplained manner without 1-866-894-8569 or outside the U.S. Administrator may request additional evidence of a wrongful act by a person or call collect at 1- 303-967-1096. The verification including: persons Benefit Administrator will ask You some preliminary questions and send You the o An itemized repair estimate from an • Cell phones under the care and control of a appropriate claim form. Please note, authorized cell phone repair facility common carrier (including, but not limited if You do not notify the Benefit to, the U.S. Postal Service, airplanes, or Administrator within sixty (60) days o The damaged cell phone, for evaluation delivery service) after the damage or theft, Your claim of its damage may be denied. • Cell phones stolen from baggage unless o An itemized store receipt for the hand-carried and under Your personal 2. Return the completed, signed replacement cell phone supervision, or under supervision of Your claim form and the requested documentation below within ninety • traveling companion (90) days of the date of the damage or Documentation (if available) of any other theft to the address provided by the claim settlement such as Your cellular wireless • Cell phones which have been rented, Benefit Administrator. provider or manufacturer’s insurance settlement borrowed or are part of pre-paid or “pay as (if applicable) you go” type plans For faster filing, or to learn more about Cellular Telephone Protection, visit www. • Any other documentation deemed necessary • Cosmetic damage to the cell phone or cardbenefitservices.com in the Benefits Administrator’s sole discretion, damage that does not impact the cell Please submit the following documents: to substantiate Your claim. All claims must be phone’s capabilities and functionalities fully substantiated as to the time, place, cause, • The completed signed claim form and purchase price of the cell phone. • Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any • A copy of Your cellular wireless service provider If the cell phone is damaged, do not discard billing statement demonstrating that the entire it until the claim has been fully reviewed.

Numerica Credit Union Visa Luna Benefits PAGE | 8 How will I be reimbursed? • You shall do all things reasonable to avoid its administration and claims. The Benefit or diminish any loss covered by this benefit. Administrator provides services on behalf of Depending on the nature and circumstances This provision will not be unreasonably the Provider. of Your claim, the Benefit Administrator may applied to avoid claims. choose to repair or replace Your cell phone or • After the Benefit Administrator has paid reimburse You for the lesser of: • If You make any claim knowing it to be false Your claim, all Your rights and remedies or fraudulent in any respect, no coverage against any party in respect of this claim will a) Up to $ 250 after the fifty-dollar shall exist for such claim, and Your benefit be transferred to the Benefit Administrator ($50.00) deductible has been applied to may be cancelled. Each cardholder agrees to the extent of the payment made to You. the replacement or repair cost; or that representations regarding claims will You must give the Benefit Administrator all b) The current cellular wireless service be accurate and complete. Any and all assistance as may reasonably be required to provider’s suggested retail value of a relevant provisions shall be void in any secure all rights and remedies. similar model replacement cell phone, or case of fraud, intentional concealment, or • the actual cost to replace it, whichever is misrepresentation of material fact. This benefit does not apply to the extent lower (not including taxes, delivery and that trade or economic sanctions or other transportation charges or fees associated • No legal action for a claim may be brought laws or regulations prohibit the provision of with the cellular wireless service against the Provider until sixty (60) days insurance, including, but not limited to, the provider), less Your fifty-dollar ($50.00) after the Provider receives Proof of Loss. payment of claims. deductible. No legal action against the Provider may be brought more than two (2) years after c) If Your cell phone is repairable, You will the time for giving Proof of Loss. Further, receive an amount as determined by the no legal action may be brought against the FORM #CELLPHONE – 2017 (04/17) CP-O diagnostic to repair the cell phone less Provider unless all the terms of the Guide to Your fifty dollar ($50.00) deductible. For more information about the benefit Benefits have been complied with fully. described in this guide, call the Benefit Administrator at 1-866-894-8569 or outside Under normal circumstances, reimbursement will • This benefit is provided to eligible the U.S. call collect at 1- 303-967-1096. take place within ten (10) business days of receipt cardholders at no additional cost. The and approval of Your claim form and all necessary terms and conditions contained in this documents. Guide to Benefits may be modified by subsequent endorsements. Modifications to Definitions the terms and conditions may be provided via additional Guide to Benefits mailings, Eligible Person means a cardholder who pays for statement inserts, statement messages their monthly cellular wireless phone bill with their or electronic notification. The benefits eligible card. described in this Guide to Benefits will not You and Your means an enrolled Cardholder who apply to cardholders whose Accounts have has charged their monthly cellular wireless phone been suspended or cancelled. bill to their covered card. • Termination dates may vary by financial Additional provisions for Cellular Telephone institutions. Your financial institution Protection can cancel or non-renew the benefits for cardholders, and if they do, they will notify • Signed or pinned transactions are covered You at least thirty (30) days in advance. as long as You use Your eligible account to Indemnity Insurance Company of North secure the transaction. America (“Provider”) is the underwriter of these benefits and is solely responsible for

Numerica Credit Union Visa Luna Benefits PAGE | 9 Your Guide to Benefit describes the benefit • Costs to report a Covered Stolen Identity • Costs associated with any legal action or suit in effect as of 4/1/17. Benefit information Event or to amend or correct records with other than those set forth in this Guide to in this guide replaces any prior benefit Your true name or identity as a result of a Benefit information You may have received. Please Covered Stolen Identity Event: including read and retain for Your records. Your costs incurred for notarizing affidavits or • Sick days and any time taken from self- eligibility is determined by Your financial other similar documents, costs for long- employment institution. distance telephone calls, and costs for • Any costs as a result of theft or postage unauthorized use of an account by a person • Costs for maximum of four (4) credit to whom the account has been entrusted Personal Identity Theft reports requested as a result of a Covered How to filea Personal Identity Theft claim ($1,000) Stolen Identity Event from any entity approved by the Benefits Administrator 1. As soon as You have reason to believe a • Actual lost wages for Your time away from Covered Stolen Identity Event has occurred, Having Your identity stolen can negatively impact immediately call the Benefit Administrator, Your life and have long lasting consequences if not Your work premises solely as part of Your efforts to amend or rectify records as to toll-free, at 1-866-679-5660, or call dealt with properly. Fortunately, Personal Identity collect outside the U.S. at 1-303-967- Theft is there to help by providing reimbursement Your true name or identity as a result of a Covered Stolen Identity Event 1096 and provide information including, for covered expenses incurred if You are the victim but not limited to, how, when, and where of identity theft. • Reasonable fees for an attorney appointed the Covered Stolen Identity Event occurred. by the Benefits Administrator and related The Benefit Administrator may also require What is Personal Identity Theft and when court fees approved by the Benefits other reasonable information or documents does it apply? Administrator for suits brought against You regarding the event. by a creditor or collection agency or similar Personal Identity Theft provides reimbursement up 2. A signed, sworn proof of loss or affidavit to $ 1,000 for covered expenses You incur to restore entity acting on behalf of a creditor for nonpayment of goods or services or default containing the information requested by the Your identity as a result of a Covered Stolen Identity Benefit Administrator must be submitted Event. on a loan as a result of a Covered Stolen Identity Event within sixty (60) days. You are eligible for this benefit if You are a • If You reasonably believe that a law may cardholder whose name is embossed on an eligible Payment for covered costs will be limited to costs incurred in the United States, its have been broken, You must promptly file U.S. issued card, and You reside in the United States a report with the police. You must take or Canada. territories and possessions, Puerto Rico, or Canada all reasonable steps to mitigate possible costs, including cancellation of any affected What is covered? What is not covered? debit, credit or similar card in the case of a Covered Stolen Identity Event. This benefit will provide reimbursement for the This benefit will not provide reimbursement for the following: following: For faster filing, or to learn more about • Costs to re-file applications for loans, Personal Identity Theft, visit • Any dishonest, criminal, malicious, or grants, or other credit or debt instruments www.cardbenefitservices.com fraudulent acts by You that were originally rejected by the lender

solely on the basis of incorrect information • Any damages, loss, or indemnification Definitions the lender received as a result of a Covered unless otherwise stated in this Guide to Stolen Identity Event Benefit Covered Stolen Identity Event means theft or unauthorized or illegal use of Your name, account

Numerica Credit Union Visa Luna Benefits PAGE | 10 number, Social Security number, or any other statement inserts, statement messages Your Guide to Benefit describes the benefit method of identifying You. or electronic notification. The benefits in effect as of 4/1/17. Benefit information described in this Guide will not apply to in this guide replaces any prior benefit Eligible Person means a cardholder whose name cardholders whose accounts have been information you may have received. Please is embossed on an eligible U.S. issued card, and You suspended or cancelled. read and retain for your records. Your reside in the United States or Canada. eligibility is determined by your financial • Termination dates may vary by financial institution. You or Your means an Eligible Person whose institutions. Your financial institution name is embossed on an eligible U.S. issued card, can cancel or non-renew the benefits for and You reside in the United States or Canada. cardholders, and if they do, they will notify Travel Accident Insurance You at least thirty (30) days in advance. Additional provisions for Personal Identity Indemnity Insurance Company of North Description of Coverage Theft America (“Provider”) is the underwriter of these benefits and is solely responsible for Principal Sum: $ 400,000 • You shall do all things reasonable to avoid its administration and claims. The Benefit or diminish any loss covered by this benefit. Administrator provides services on behalf of THIS IS AN ACCIDENTAL DEATH AND This provision will not be unreasonably the Provider. DISMEMBERMENT ONLY POLICY AND applied to avoid claims. DOES NOT PAY BENEFITS FOR LOSS FROM • After the Benefit Administrator has paid SICKNESS • If You make any claim knowing it to be false Your claim, all Your rights and remedies or fraudulent in any respect, no coverage against any party in respect of this claim will This Description of Coverage is provided shall exist for such claim, and Your benefit be transferred to the Benefit Administrator to all eligible Visa Luna cardholders may be cancelled. Each cardholder agrees to the extent of the payment made to You. and replaces any and all Descriptions of that representations regarding claims will You must give the Benefit Administrator all Coverage previously issued to the insured be accurate and complete. Any and all assistance as may reasonably be required to with respect to insurance described herein. relevant provisions shall be void in any secure all rights and remedies. case of fraud, intentional concealment, or Eligibility and Period of Coverage misrepresentation of material fact. • This benefit does not apply to the extent that trade or economic sanctions or other As a Visa Luna cardholder, you are covered • No legal action for a claim may be brought laws or regulations prohibit the provision of beginning on 4/1/17 or the date your credit card is against the Provider until sixty (60) days insurance, including, but not limited to, the issued, whichever is later. after the Provider receives Proof of Loss. payment of claims * No legal action against the Provider may You and your dependents become covered be brought more than two (2) years after FORM #PID – 2017 (04/17) PIT-O automatically when the entire Common Carrier fare the time for giving Proof of Loss. Further, is charged to your covered Visa Luna card account (“Covered Person”). It is not necessary to notify the no legal action may be brought against the For more information about the benefit financial institution, the Insurance Company, or Provider unless all the terms of the Guide to described in this guide, call the Benefit the Plan Administrator when tickets are purchased. Benefits have been complied with fully. Administrator at 1-866-679-5660, or call collect outside the U.S. at 1-303-967-1096. Coverage ends when the policy is terminated. • This benefit is provided to eligible * cardholders at no additional cost. The Your spouse, unmarried dependent child(ren), terms and conditions contained in this under age 19 (25 if a full-time student). No age limit Guide to Benefits may be modified by for incapacitated child. Incapacitated child means subsequent endorsements. Modifications to a child incapable of self-sustaining employment by the terms and conditions may be provided reason of mental retardation or physical handicap, via additional Guide to Benefits mailings, and chiefly dependent on you for support and

Numerica Credit Union Visa Luna Benefits PAGE | 11 maintenance. Dependent child(ren) receive fifty and index fingers. The life benefit provides coverage to your estate, or to the beneficiary designated in percent (50%) of your benefit amount. in the event of a Covered Person’s death. If a writing by you. All other benefits are payable to you. Covered Person’s body has not been found within Benefits one (1) year of disappearance, stranding, sinking, Notice of Claim: Written notice of claim, or wreckage of any Common Carrier in which the including your name and reference to Visa Luna Subject to the terms and conditions, if a Covered Covered Person was covered as a passenger, then should be mailed to the Plan Administrator within Person’s accidental bodily Injury occurs while on it shall be presumed, subject to all other provisions twenty (20) days of a covered Loss or as soon as a Covered Trip and results in any of the following and conditions of this coverage, the Covered Person reasonably possible. The Plan Administrator will Losses within one (1) year after the date of the suffered loss of life. send the claimant forms for filing proof of Loss. accident, the Insurance Company will pay the following percentage of the Principal Sum for Injury means bodily injury or injuries, sustained The Cost: This travel insurance is purchased for accidental Loss of: by the insured person which are the direct cause you by your financial institution. of Loss, independent of disease cause of Loss, Life...... 100% independent of disease or bodily infirmity, and Description of Coverage: This description occurring while the Covered Person is covered under of coverage details material facts about a Travel Both hands or both feet...... 100% this policy, while the insurance is in force. Accident Insurance Policy which has been established for you and is underwritten by Virginia Sight of both eyes...... 100% Covered Trip means a trip (a) while the Covered Surety Company, Inc. Please read this description carefully. All provisions of the plan are in the master One hand and one foot...... 100% Person is riding on a Common Carrier as a passenger and not as a pilot, operator, or crew policy form number, VSC-VCC-01 (2/00). Any Speech and hearing...... 100% member and (b) charged to your Visa Luna card; difference between the policy and this description and (c) that begins and ends at the places designated will be settled according to the provisions of the One hand or one foot and the sight of one eye. 100% on the ticket purchased for the trip. Covered Trip policy. will also include travel on a Common Carrier One hand or one foot...... 50% (excluding aircraft), directly to, from, or at any Questions: Answers to specific questions can be Common Carrier terminal, which travel immediately obtained by writing to the Plan Administrator: Sight of one eye...... 50% precedes departure to or follows arrival at the cbsi Card Benefit Services destination designated on the ticket purchased for Speech or hearing...... 50% 550 Mamaroneck Avenue, Suite the Covered Trip. 309Harrison, NY 10528 Thumb and index finger on the same hand...... 25% Common Carrier means any scheduled Underwritten by: airline, land, or water conveyance licensed for In no event will multiple charge cards obligate the Virginia Surety Company, Inc. transportation of passengers for hire. Insurance Company in excess of the stated benefit 175 West Jackson Blvd. for any one Loss sustained by a Covered Person as Exclusions: No payment will be made for any Chicago, IL 60604 a result of any one accident. The maximum amount Loss that occurs in connection with, or is the result payable for all Losses due to the same accident is the Additional Provisions for Travel Accident of: (a) suicide, attempted suicide, or intentionally Principal Sum. Insurance self-inflicted injury; (b) any sickness or disease; (c) Definitions travel or flight on any kind of aircraft or Common Travel Accident Insurance is provided under a Carrier except as a fare-paying passenger in an master policy of insurance issued by Virginia Surety Loss means actual severance through or above aircraft or on a Common Carrier operated on a Company, Inc. (herein referred to as Company). We the wrist or ankle joints with regard to hands and regular schedule for passenger service over an reserve the right to change the benefits and features feet; entire and irrevocable loss of sight, speech established route; or (d) war or act of war, whether of all these programs. or hearing; actual severance through or above the declared or undeclared. metacarpophalangeal joints with regard to thumb The financial institution or the Company can Beneficiary: Benefit for Loss of life is payable

Numerica Credit Union Visa Luna Benefits PAGE | 12 cancel or choose not to renew the Insurance Company paid from any and all damages collected Trip Cancellation and Interruption benefits pay coverages for all Insureds. If this happens, the from the negligent third party for those same up to $ 2,000 per Insured Person for the non- financial institution will notify the accountholder expenses whether by action at law, settlement, or refundable Common Carrier ticket(s) that You paid at least 30 days in advance of the expiration compromise, by the Covered Person, the Covered for with Your covered Account and/or rewards of the policy. Such notices need not be given if Person’s parents if the Covered Person is a minor, programs associated with Your covered Account. substantially similar replacement coverage takes or the Covered Person’s legal representative as a You, Your spouse (or Domestic Partner) and Your effect without interruption and is provided by the result of that sickness or injury. You are required to Dependent Children are eligible for coverage if same insurer. Insurance benefits will still apply to furnish any information or assistance, or provide You charge the entire cost of the Trip using Your Covered Trips commenced prior to the date of such any documents that we may reasonably require in Account, less redeemable certificates, vouchers, or cancellation or non-renewal, provided all other order to exercise our rights under this provision. coupons, or rewards program associated with Your terms and conditions of coverage are met. Travel This provision applies whether or not the third party covered Account. Accident Insurance does not apply if your Visa admits liability. Luna privileges have been suspended or cancelled. The Trip Cancellation or Interruption must However, insurance benefits will still apply to ADD (10/07) be caused by or result from: Covered Trips commenced prior to the date that your account is suspended or cancelled provided all 1. The death, Accidental Bodily Injury, disease other terms and conditions of coverage are met. Your Guide to Benefit describes the benefit or physical illness of You or an Immediate Family Member of the Insured person; or Coverage will be void if, at any time, the in effect as of 4/1/17. Benefit information accountholder has concealed or misrepresented in this guide replaces any prior benefit 2. Default of the Common Carrier resulting any material fact or circumstance concerning information You may have received. Please from financial insolvency. this coverage or the subject thereof or the read and retain for Your records. Your accountholder’s interest herein, or in the case eligibility is determined by Your financial The death, Accidental injury, disease or physical of any fraud or false swearing by the Insured institution. illness must be verified by a Physician and must relating thereto. No person or entity other than prevent You from traveling on the trip. the accountholder shall have any legal or equitable right, remedy, or claim for insurance proceeds and/ or damages under or arising out of this coverage. Trip Cancellation/ Note: Common Carriers may issue a credit vouch- er for the value of the unused ticket. A fee may be No action at law or in equity shall be brought to Trip Interruption ($2,000) associated with changing or cancelling the ticket. recover on this coverage prior to the expiration Reimbursement of fee may be eligible at time of sixty (60) days after proof of Loss has been of Loss. Most Common Carrier credit vouchers Sometimes the unexpected happens and Your travel furnished in accordance with the requirements of expire in one year. Proof of unused credit voucher arrangements don’t go as planned. this Description of Coverage. can be submitted for reimbursement after expi- ration. Payment will not exceed either the actual You’ve done a great job preparing for Your Trip. The Company, at its expense, has the right to have Non-Refundable amount paid by the Insured Your flights have been booked, You confirmed you examined as often as reasonably necessary while Person for a Common Carrier passenger(s) fare(s), Your reservation with Your hotel and You even a claim is pending. The Company may also have an or up to $ 2,000. rented a car so You can sightsee. But what if You autopsy made unless prohibited by law. have to cancel Your trip because of the death of an The following exclusions apply to financial State Amendments Immediate Family Member? What if the airline You services Common Carrier Trip Cancellation/ booked Your flight through declares bankruptcy? Trip Interruption only For Illinois Residents Only: The following Fortunately, Trip Cancellation and Interruption statement is added: If a Covered Person recovers benefits are available to help You with these No Trip Cancellation or Interruption benefits will be expenses for sickness or injury that occurred due unforeseen circumstances that could disrupt Your paid for Loss caused by or resulting from: to the negligence of a third party, the Company has travel plans. • A Pre-existing Condition the right to first reimbursement for all benefits the

Numerica Credit Union Visa Luna Benefits PAGE | 13 • Accidental Bodily Injuries arising from You must provide (written) claim notice to the Plan • A copy of the travel itinerary showing the participation in interscholastic or professional Administrator. The Plan Administrator will ask You passenger names and ticket cost sports events, racing or speed contests, or for some preliminary information and send You the uncertified scuba diving appropriate claim forms. Failure to give notice • Confirmation of the reason for the Trip within twenty (20) days will not invalidate or Cancellation; (completed attached • Cosmetic surgery, unless such cosmetic reduce any otherwise valid claim, if notice is physician statement, confirmation of surgery is rendered necessary as a result of a given as soon as reasonably possible. death of Immediate Family Member or Loss covered under this policy documentation confirming any other cause When the Plan Administrator receives notice of a of Loss) • The Insured Person or an Immediate Family claim, the Plan Administrator will send You forms Member being under the influence of drugs for giving proof of Loss within fifteen (15) days. If • A copy of the cancellation or refund policies (except those prescribed and used as directed You do not receive the forms, You should send the of the Common Carrier, Tour Operator or by a Physician) or alcohol Plan Administrator a written description of the Loss. Travel Supplier

• The Insured Person or an Immediate Family Answers to specific questions can be obtained by Additional Travel Accident benefit Member: a) traveling against the advice writing to the Plan Administrator. To make a of a Physician; or b) traveling while on a claim, please contact the Plan Administrator: As a cardholder, You, Your spouse (or Domestic Partner), and unmarried Dependent Children will waiting list for specified medical treatment; cbsi Card Benefit Services or c) traveling for the purpose of obtaining be automatically insured up to one thousand dollars 550 Mamaroneck Avenue, Suite 309 ($1,000) for Accidental Loss of life, limb, sight, medical treatment; or d) traveling in the Harrison, NY 10528 third trimester (seventh month or after) of speech, or hearing. This benefit applies while: pregnancy Please return Your completed and signed 1. Riding as a passenger in or entering or claim form and the documents listed exiting any Common Carrier; or • Suicide, attempted suicide, or intentionally below as soon as possible to the Plan self-inflicted injuries Administrator: 2. Riding as a passenger in, entering, or exiting • Declared or undeclared war, but war does not any conveyance licensed to carry the public • A copy of Your monthly billing statement for a fee and while traveling to or from the include acts of terrorism or the travel itinerary (showing the last airport: four [4] digits of the Account number) • An Insured Person’s emotional trauma, confirming the Common Carrier ticket was mental or physical illness, disease, pregnancy, a. Immediately preceding the departure of purchased using the covered Account and/ childbirth or miscarriage, bacterial or viral a Common Carrier on which the Insured or rewards programs associated with Your Person has purchased passage; and infection or bodily malfunctions, except covered Account. physical illness or disease which prevent b. Immediately following the arrival of a the Insured Person from traveling on a • If more than one method of payment was Common Carrier on which the Insured Covered Trip. This Exclusion does not used, please provide documentation as to Person was a passenger; or apply to Loss resulting from an Insured additional currency, voucher, points or any Person’s bacterial infection caused by an other payment method utilized. 3. At the airport, terminal or station, at the Accident or from Accidental consumption beginning or end of the Common Carrier • Confirmation of the non-refundable of a substance contaminated by bacteria. Covered Trip. amounts for the unused Common Carrier How to file a Trip Cancellation or tickets and/or travel vouchers Interruption claim • Confirmation that the tickets were cancelled Within twenty (20) days of the Trip Cancellation with the Common Carrier or interruption or as soon as reasonably possible,

Numerica Credit Union Visa Luna Benefits PAGE | 14 Benefit the Insured Persons up to the maximum limit of otherwise valid claim, if notice is given as Covered Loss Maximum insurance. soon as reasonably possible. Accidental Loss of Life, two or more $1,000.00 The Loss of Life benefit will be paid to the When the Plan Administrator receives notice of a Members, sight of both eyes, speech Beneficiary designated by You. If no such claim, the Plan Administrator will send You forms and hearing or any combination designation has been made, that benefit will be paid for giving proof of Loss within fifteen (15) days. If thereof to the first surviving Beneficiary in the following You do not receive the forms, You should send the Accidental Loss of one Member, sight $500.00 order: a) Your spouse, b) Your Children, c) Your Plan Administrator a written description of the Loss. of one eye, speech or hearing parents, d) Your brothers and sisters, e) Your estate. Answers to specific questions can be obtained by All other indemnities will be paid to You. Accidental Loss of the thumb and $250.00 writing to the Plan Administrator. To make a index finger of the same hand The following exclusions apply to the Travel claim, please contact the Plan Administrator: Loss means, with respect to a hand, complete Accident benefit cbsi Card Benefit Services severance through or above the knuckle joints of at 550 Mamaroneck Avenue, Suite 309 Loss caused by or resulting from: least four (4) fingers on the same hand or at least Harrison, NY 10528 three (3) fingers and the thumb on the same hand; • An Insured Person’s emotional trauma, with respect to a foot, complete severance through Please return Your completed and signed mental or physical illness, disease, normal or above the ankle joint. The Company will consider claim form and the documents listed pregnancy, normal childbirth or elective it a Loss of hand or foot even if the fingers, thumb, below as soon as possible to the Plan abortion, bacterial or viral infection, or bodily or foot is later reattached. Administrator: malfunctions. This exclusion does not apply In order to be eligible for this additional coverage, to Loss resulting from an Insured Person’s • A copy of the police report the entire cost of the Common Carrier passenger bacterial infection caused by an Accident or fare(s), less redeemable certificates, vouchers, or from Accidental consumption of a substance • A completed medical authorization form for coupons, must be charged to Your covered Account contaminated by bacteria each treating medical facility and/or rewards programs associated with Your • Suicide, attempted suicide, or intentionally • Copy of the certificate of death, if applicable covered Account during the policy period. If the self-inflicted injuries purchase is not made prior to the Insured Person’s • A copy of the travel itinerary arrival at the airport, coverage begins at the time the • Declared or undeclared war, but war does not entire cost of the Common Carrier passenger fare is include acts of terrorism • A copy of the credit card statement reflecting purchased. the purchase, verification of the cardholder’s • An Accident occurring while You are in, name and the first six digits of the credit card This travel accident benefit is provided to eligible entering, or exiting any aircraft while acting or number. cardholders. Your financial institution pays the training as a pilot or crew member (does not cardholder’s premium as a benefit of the card apply if You temporarily perform pilot or crew To view the status of your claim and membership. functions in a life-threatening emergency) to securely upload documents for Trip Cancellation/Interruption and Travel The Loss must occur within one year of the How to file a Travel Accident benefit claim Accident Benefit, visit Accident. The Company will pay the single largest www.myclaimsagent.com applicable Benefit Amount. In the event of multiple Within twenty (20) days of the accident or as soon Use website code: 001 Accidental deaths per Account arising from any one as reasonably possible, You must provide (written) Or mail the completed and signed claim form and all Accident, the Company’s liability for all such Losses claim notice to the Plan Administrator. The Plan required documents to: will be subject to a maximum limit of insurance Administrator will ask You for some preliminary information and send You the appropriate claim equal to two times the Benefit Amount for Loss of forms. Failure to give notice within twenty Claim Benefit Services life. Benefits will be proportionately divided among (20) days will not invalidate or reduce any P.O. Box 459084

Numerica Credit Union Visa Luna Benefits PAGE | 15 Sunrise, FL 33345 those Children placed for adoption, who are Member means hand or foot. primarily dependent upon the Insured Person If You choose to mail Your documents, for maintenance and support, and who are: 1) Pre-existing Condition means Accidental Bodily please send a copy of Your documents and under the age of nineteen (19), and reside with the Injury, disease, or illness of the Insured Person or retain the originals for Your records. Claim Insured Person; 2) beyond the age of nineteen (19), Immediate Family Member of the Insured Person Benefit Services is unable to return any permanently mentally or physically challenged, and which occurs or manifests itself during the sixty (60) submitted documents. You will be contacted incapable of self-support; or 3) under the age of day period immediately prior to the purchase date by a claim adjuster if additional information twenty-five (25) and classified as full-time students of a Scheduled Airline passenger fare(s). Disease or or documentation is required. at an institution of higher learning. illness has manifested itself when either: 1) medical care or treatment has been given; or 2) there exists Definitions Domestic Partner means a person who is symptoms which would cause a reasonably prudent registered as a Domestic Partner or legal equivalent person to seek medical diagnosis, care or treatment. Accident or Accidental means a sudden, under laws of the governing jurisdiction, or who: The taking of prescription drugs or medication for unforeseen, and unexpected event which: happens 1) is at least 18 years of age and competent to enter controlled (continued) condition throughout this by chance; is independent of illness and disease and into a contract; 2) is not related to the Primary sixty (60) day period will not be considered to be a is the direct source of Loss. Insured Person by blood; 3) has exclusively lived manifestation of illness or disease. with the Primary Insured Person for at least twelve Accidental Bodily Injury means Bodily Injury, (12) consecutive months. 4) is not legally married Trip Cancellation means the cancellation of which: 1) is Accidental; 2) is the direct cause of a or separated; and 5) has with the Primary Insured Common Carrier travel arrangements when the Loss; and 3) occurs while the Insured Person is Person at least two (2) of the following financial Insured Person is prevented from traveling on insured under this policy, which is in force. arrangements: a) a joint mortgage or lease; b) a a Covered Trip on or before the Covered Trip departure. Account means Your credit or debit card Accounts. joint bank account; c) joint title to or ownership of a motor vehicle or status a joint lessee on a motor Trip Interruption means the Insured Person’s Benefit Amount means the Loss amount at vehicle lease; or d) a joint credit card account with a Covered Trip is interrupted either on the way to the the time the entire cost of the passenger fare is financial institution. Covered Trip point of departure or after the Covered purchased with an eligible Account and/or rewards Trip departure. programs associated with Your covered Account. Immediate Family Member means the Insured Person’s: 1) Spouse or Domestic Partner; 2) children You or Yours means an Insured Person who including adopted children or stepchildren; 3) legal purchase their trip to the Insured person’s covered Common Carrier means any licensed land, guardians or wards; 4) siblings or siblings-in-law; Account and/or rewards programs associated with water or air conveyance operated by those whose 5) parents or parents-in-law; 6) grandparents or the Insured Person’s covered Account. occupation or business is the transportation of grandchildren; 7) aunts or uncles; 8) nieces and nephews. Immediate Family Member also means a persons or things without discrimination and for Additional provisions for Trip Cancellation hire. Spouse’s or Domestic Partner’s children, including and Interruption adopted children or step children; legal guardians Covered Trip means travel on a Common Carrier or wards; siblings or siblings-in-law; parents or • As a handy reference guide, please read this when the entire cost of the passenger fare for parents-in-law; grandparents or grandchildren; and keep it in a safe place with Your other such transportation, less redeemable certificates, aunts or uncles; nieces or nephews. insurance documents. vouchers, or coupons, has been purchased with an Insured Person’s covered card Account and/ Insured Person means the individual or entity to • This description of coverage is not a contract or rewards programs associated with Your covered whom the Policyholder has issued an Account, as of insurance but is simply an informative Account issued by the Policyholder. well as authorized users of the Account registered statement of the principal provisions of with the Policyholder. Insured Person also means the insurance while in effect. Complete Dependent Child or Children means those the Insured Person’s Spouse or Domestic Partner provisions pertaining to this plan of insurance Children, including adopted Children and and Dependent Children. are contained in the master policy, on file with the Policyholder: BNY Midwest Trust

Numerica Credit Union Visa Luna Benefits PAGE | 16 Company as trustee of the Chubb Financial can cancel or non-renew the benefits for Your Guide to Benefit describes the benefit Institution Group Insurance Trust for the cardholders, and if they do, they will notify in effect as of 4/1/17. Benefit information Account of participating financial institutions. You at least thirty (30) days in advance. in this guide replaces any prior benefit Policy #: 6478-07-74 Federal Insurance Company (“Provider”) is information You may have received. Please the underwriter of these benefits and is solely read and retain for Your records. Your • Signed or pinned transactions are covered as responsible for its administration and claims. eligibility is determined by Your financial long as You use Your eligible card to secure The Plan Administrator provides services on institution. the transaction. behalf of the Provider. • You shall do all things reasonable to avoid • After the Plan Administrator has paid Your or diminish any Loss covered by this benefit. claim, all Your rights and remedies against This provision will not be unreasonably Extended Warranty any party in respect of this claim will be applied to avoid claims. transferred to the Plan Administrator to the Protection • If You make any claim knowing it to be false extent of the payment made to You. You must or fraudulent in any respect, no coverage give the Plan Administrator all assistance Product warranties can be inconvenient and shall exist for such claim, and Your benefit as may reasonably be required to secure all cumbersome to use. Let’s say You purchased a great may be cancelled. Each cardholder agrees rights and remedies. gadget about a year ago, but it just stopped working, that representations regarding claims will be • This benefit does not apply to the extent and You can’t find Your sales receipt and warranty accurate and complete. Any and all relevant that trade or economic sanctions or other information. For all too common situations like provisions shall be void in any case of fraud, laws or regulations prohibit the provision of these, Extended Warranty Protection can help. intentional concealment, or misrepresentation insurance, including, but not limited to, the of material fact. payment of claims. Extended Warranty Protection provides You with • No legal action for a claim may be brought valuable features that help You manage, use and For more information about the benefit against the Provider until sixty (60) days after extend the warranties for eligible items purchased described in this guide, contact the Plan the Provider receives Proof of Loss. No legal on Your covered Account and/or rewards program Administrator. action against the Provider may be brought associated with Your covered Account. Services include Warranty Registration and Extended more than two (2) years after the time for FORM #TRCAN – 2017 (04/17) TC-O giving Proof of Loss. Further, no legal action Protection. You are eligible for this benefit if You may be brought against the Provider unless all are a cardholder of an eligible card issued in the the terms of the Guide to Benefits have been United States and You purchase either a portion or complied with fully. the entire cost of the item using Your Account and/ or rewards program associated with Your covered • This benefit is provided to eligible Account. cardholders at no additional cost. The terms and conditions contained in this Guide to Here’s how Warranty Registration works Benefits may be modified by subsequent endorsements. Modifications to the terms and When You purchase an eligible item that carries conditions may be provided via additional a manufacturer’s warranty, You can register Your Guide to Benefits mailings, statement inserts, purchase by calling 1-800-551-8472 or call statement messages or electronic notification. collect outside the U.S. at 1-303-967-1096. The benefits described in this Guide will not You can also register Your purchase online at apply to cardholders whose Accounts have www.cardbenefitservices.com. been suspended or cancelled. The Benefit Administrator will tell You where • Termination dates may vary by financial to send Your item’s sales receipt and warranty institutions. Your financial institution information, so they can be kept on file should You

Numerica Credit Union Visa Luna Benefits PAGE | 17 need them. • Any costs other than those specifically Fill out and sign the claim form the Benefit covered under the terms of the original Administrator sent You, then submit the form If You choose not to register Your item, be sure manufacturer’s written U.S. repair within ninety (90) days of the product failure, to keep Your monthly billing statement reflecting warranty, as supplied by the original along with the following documents: the purchase, the itemized sales receipt, the manufacturer, or other eligible warranty original manufacturer’s written U.S. warranty • A copy of Your monthly billing statement • Items purchased for resale, professional, or and any additional warranty in a safe place. These (showing the last four [4] digits of the commercial use documents will be required to verify Your claim. Account number) demonstrating that • Real estate and items which are intended the purchase was made on Your eligible Here’s how Extended Protection works to become part of real estate including, but Account and/or rewards program associated not limited to, items that are hard-wired or with Your covered Account Your warranty coverage can be doubled up to one hard-plumbed, garage doors, garage door • If more than one method of payment was (1) additional year on eligible warranties of three openers, and ceiling fans (3) years or less. For example, a manufacturer’s used, please provide documentation as to warranty of three (3) months would be provided • Rented or leased items additional currency, voucher, points or any with an additional three (3) months of coverage for • Computer software other payment method utilized a combined total of six (6) months of coverage, and • Medical equipment • A copy of the itemized sales receipt a warranty for six (6) months would be provided • A copy of the original manufacturer’s with an additional six (6) months of coverage for a • Used or pre-owned items (Refurbished written U.S. warranty, and any other combined total of twelve (12) months of coverage. items will be covered as long as it has applicable warranty However, if the manufacturer’s warranty is for a warranty with it and would not be three (3) years, it would only be extended one (1) considered used or pre-owned.) • A description of the item and its serial additional year for a combined total of four (4) years Filing an Extended Protection claim number, and any other documentation of coverage. deemed necessary to substantiate Your To file a claim, call the Benefit Administrator at claim (this includes bills and, if necessary, This benefit is limited to no more than the original 1-800-551-8472 or call collect outside the a copy of the maintenance record and price of the purchased item (as shown on Your U.S. at 1-303-967-1096, immediately after the receipts) failure of Your covered item. Please note if You • credit card receipt), less shipping and handling The original repair estimate or repair bill, do not notify the Benefit Administrator indicating cause of failure fees, up to a maximum of ten thousand dollars within sixty (60) days of product failure, • ($10,000.00) per claim, and fifty thousand dollars Your claim may be denied. Any other documentation deemed necessary ($50,000.00) per cardholder. by the Benefit Administrator to substantiate The Benefit Administrator will request preliminary the claim The benefit covers purchases made both inside claim information, direct You to the appropriate All claims must be fully substantiated. and outside the U.S. The eligible item must have a repair facility, and send You the claim form. Gift For faster filing, or to learn more about valid original manufacturer’s U.S. repair warranty recipients of eligible items are also covered, but Extended Warranty Protection, visit of three (3) years or less, store-purchased dealer they must provide all the documents needed to warranty, or an assembler warranty. substantiate their claim. www.cardbenefitservices.com

What Extended Protection does not cover If You received or purchased a service contract or an extended warranty when You purchased Your item, How You will be reimbursed • Boats, automobiles, aircraft, and any this benefit will be supplemental to, and in excess of, other motorized vehicles and their motors, If You have substantiated Your claim and met that coverage. equipment, or accessories, including trailers the terms and conditions of the benefit, Your item will be replaced or repaired at the Benefit and other items that can be towed by or What You must submit to file a claim attached to any motorized vehicle Administrator’s discretion, but for no more than the original purchase price of the covered

Numerica Credit Union Visa Luna Benefits PAGE | 18 item, as recorded on Your credit card receipt, less may be cancelled. Each cardholder agrees You must give the Benefit Administrator all shipping and handling fees, up to a maximum of that representations regarding claims will assistance as may reasonably be required to ten thousand dollars ($10,000.00) per claim, and be accurate and complete. Any and all secure all rights and remedies. a maximum of fifty thousand dollars ($50,000.00) relevant provisions shall be void in any • This benefit does not apply to the extent per cardholder. You will only be reimbursed up to case of fraud, intentional concealment, or that trade or economic sanctions or other the amount charged to Your Account or the program misrepresentation of material fact. laws or regulations prohibit the provision of limit, whichever is less. • No legal action for a claim may be brought insurance, including, but not limited to, the Under normal circumstances, reimbursement will against the Provider until sixty (60) days payment of claims. occur within five (5) business days of the receipt and after the Provider receives Proof of Loss. approval of all required documents. No legal action against the Provider may If Your item is to be repaired, You may go to be brought more than two (2) years after FORM #EWP 10K-50K-3YR – 2017 (04/17) an authorized repair facility and file a claim for the time for giving Proof of Loss. Further, WM-O reimbursement. Only valid and reasonable repairs no legal action may be brought against the made at the manufacturer’s authorized repair Provider unless all the terms of the Guide to facility are covered. Benefits have been complied with fully. For more information about the benefit • described in this guide, call the Benefit In either case, the Benefit Administrator’s payment, This benefit is provided to eligible cardholders at no additional cost. The Administrator at 1-800-551-8472 or call replacement, or repair made in good faith will fulfill collect outside the U.S. at 1-303-967-1096. the obligation under this benefit. terms and conditions contained in this Guide to Benefits may be modified by Definitions subsequent endorsements. Modifications to Account means Your credit or debit card Accounts. the terms and conditions may be provided via additional Guide to Benefits mailings, Eligible Person means a cardholder who pays for statement inserts, statement messages their purchase by using their eligible Account and/ or electronic notification. The benefits or rewards program associated with their covered described in this Guide will not apply to Account. cardholders whose Accounts have been You or Your means an Eligible Person who suspended or cancelled. purchase their item to their eligible Account and/ • or rewards program associated with their covered Termination dates may vary by financial Account. institutions. Your financial institution can cancel or non-renew the benefits for Additional provisions for Extended cardholders, and if they do, they will notify Protection You at least thirty (30) days in advance. Indemnity Insurance Company of North • Signed or pinned transactions are covered America (“Provider”) is the underwriter of as long as You use Your eligible card to these benefits and is solely responsible for secure the transaction. its administration and claims. The Benefit • You shall do all things reasonable to avoid Administrator provides services on behalf of or diminish any loss covered by this benefit. the Provider. This provision will not be unreasonably • After the Benefit Administrator has paid applied to avoid claims. Your claim, all Your rights and remedies • If You make any claim knowing it to be false against any party in respect of this claim will or fraudulent in any respect, no coverage be transferred to the Benefit Administrator shall exist for such claim, and Your benefit to the extent of the payment made to You.

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