Mastercard® Guide to Benefits for Credit Cardholders

Patelco Payback Rewards World Mastercard

Important information. Please read and save. This Guide to Benefits contains detailed information about insurance and other services you can access as a preferred cardholder. This Guide supersedes any Guide or program description you may have received earlier. To file a claim or for more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466. “Card” refers to World Mastercard® card and “Cardholder”refers to a Mastercard® cardholder. Key Terms Postmates Throughout this document, you and your refer to the Program Description: Cardholder. We, us, and our refer to New Hampshire Postmates helps people unlock the best of their cities – and Insurance Company, an AIG company, New York, NY. their lives, with an insanely reliable “everything” network. Account Holder means a person to whom an Eligible Account Postmates is the first on-demand company – helping is issued and who holds the Eligible Account under his or her customers in 650 US cities & Mexico get anything, anytime, name. anywhere. World Mastercard cardholders receive a $5 Administrator means Sedgwick Claims Management discount on all orders over $25. Services, Inc. You may contact the Administrator if you have Eligibility: questions regarding this coverage or would like to make To be eligible for this benefit, you must use a valid World a claim. The Administrator may be reached by phone at Mastercard issued by a U.S. financial institution. 1-800-Mastercard. Authorized User means a person who is recorded as an How to use the Postmates benefit: authorized user of an Eligible Account by the Account Holder • Visit http://www.postmates.com or download the and who is authorized by the Account Holder to make Postmates app from the App Store, Google Play, or simply payments to the Eligible Account. enter your phone number to get a download link at http:// Cardholder means the Account Holder or Authorized User of www.postmates.com. an Eligible Account in good standing. • Sign into your Postmates account or create a new account by Covered Card means the Mastercard® card linked to your signing up via mobile app or at http://www.postmates.com. Eligible Account. • Add a World Mastercard to your account and continue Eligible Account means the account associated with the through the regular purchase flow. Cardholder’s U.S. issued credit card, debit card, checking • The $5 discount will be automatically applied for all orders account, line of credit, loan, certificate of deposit or other over $25 (not including taxes, delivery fees, and tips) using a account that is eligible for coverage under the Group Policy. World Mastercard. Eligible Cellular Wireless Telephones means the cellular Terms and Conditions: telephones associated with the primary line and additional • Full Terms & Conditions for this benefit, including the or supplemental lines on the Eligible Person’s monthly billing most up-to-date Terms & Conditions for usage of Wallets statement from a cellular provider for the billing cycle (i.e. Apple Pay, Google Pay) are found at http://www. preceding the month in which the theft or damage occurred. postmates.com/mastercard-world. For full Postmates Eligible Person means a Cardholder who charges his or her Terms & Conditions, please visit https://postmates.com/ monthly bill for an Eligible Cellular Wireless Telephone to his or legal/terms. her Covered Card. No person or entity other than the Eligible • If your total (excluding taxes, delivery fees and tips) after the Person(s) described shall have any legal or equitable right, discount from another promo code is greater than $25, you remedy or claim for the insurance proceeds arising out of this are still eligible for the $5 discount offer. coverage. Evidence of Coverage (EOC) means the summary of ShopRunner benefits set forth below which describe the terms, conditions, limitations and exclusions of the coverage provided to you at Program Description: no additional charge under the Group Policy. Representations ShopRunner is an online shipping service that helps its or promises made by anyone that are not contained in the members save both time and money. ShopRunner members Group Policy are not part of your coverage. In the event the receive unlimited free two-day shipping and free return EOC, Key Terms, or Legal Disclosures of this Guide to Benefits shipping on purchases at more than 140 online stores, conflict with the provisions of the Group Policy, the terms of including clothing, shoes, beauty, electronics, home, gifts the Group Policy govern your coverage. and more. Retailers include Neiman Marcus, Lord & Taylor, Group Policy means the Cellular Protection Insurance Policy American Eagle, Tory Burch, Calvin Klein, Kate Spade, entered between New Hampshire Insurance Company, an AIG 1-800-Flowers.com and many more. Company, and Mastercard Insurance Master Trust, which is Eligibility: the subject of this Guide to Benefits. To be eligible for a free ShopRunner membership, you must be Mysteriously Disappear means the vanishing of an item in an a valid World Mastercard cardholder who holds a Mastercard unexplained manner where there is absence of evidence of a issued by a U.S. financial institution. wrongful act by a person or persons. How to use the ShopRunner benefit: Stolen means taken by force and/or under duress or a loss • Create a ShopRunner account on the www.shoprunner.com/ which involves the disappearance of an Eligible Cellular mastercard website. Wireless Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight hours of the theft.

2 • Shop at the participating merchants from the merchant Eligibility: site, from the links on the ShopRunner site, or from the To be eligible for the 10% discount, you must be a valid World ShopRunner mobile app. Mastercard cardholder who holds a Mastercard issued by a • Once you are logged into your account, the free shipping U.S. financial institution. benefit is applied, provided the item is eligible for free How to use the onefinestay benefit: shipping. • Go online to www.onefinestay.com/mastercard to book • ShopRunner members also enjoy free return shipping on their directly using a promo code provided by the issuer, or call orders placed with ShopRunner. the Mastercard or issuer’s concierge. The concierge can help Terms and Conditions: provide information on onefinestay and can transfer you to Full Terms & Conditions are found at www.shoprunner.com/ onefinestay for further questions or booking. terms/sr/ Terms and Conditions: • ShopRunner members are entitled to free two-day shipping Full Terms & Conditions are found at www.onefinestay.com/ on all eligible purchases as well as free returns. terms-conditions/ • Shipping: • Mastercard World cards must be used for payment to receive ooEligible items will ship within 2 business days via shipping offer. partners like UPS and FedEx. ShopRunner only ships • Cardholders will be provided with a preliminary invoice at the to physical addresses in the United States, including, in time of booking and be required to prepay certain amounts most cases, Alaska, Hawaii and Puerto Rico, but in some related to such booking. cases, certain regions cannot be reached in two days. Any • Any additional services which are requested at the time of shipment to a PO Box, APO/FPO/DPO or international the booking may also be included in the preliminary invoice, address is excluded from the ShopRunner program. which is provided before prepayment, and onefinestay ooItems that are eligible for ShopRunner benefits will be reserves the right to demand payment in advance for any designated on the Retailer’s site. ShopRunner is only additional services used during a booking. available for certain online purchases and certain products • If a cardholder cancels a booking within 24 hours of receipt on a Retailer’s site, and ShopRunner may not be available of a confirmation of booking, provided they book more than on all web browsers (e.g., mobile websites, smart phone seven days prior to the stay, then they are entitled to a full mobile or tablet applications). Certain Retailers may require refund. a minimum aggregate order value in order for an order to be eligible for ShopRunner benefits. • If they cancel a booking more than 14 days prior to commencement of the booking period, then they will be • Returns: responsible for 50% of the full accommodation fees. ooFor returns of eligible items, ShopRunner members must • If they cancel a booking 14 days or less prior to the follow the Retailer’s return policies and instructions. commencement of the booking period, then they will be ooIn the event that a merchant who participates in the responsible for the full accommodation fees for the entirety ShopRunner service offers free return shipping, the of the booking period. cardholder will return the ShopRunner eligible item through • The check-out time at the accommodation is as stated in the the merchant’s standard process. booking summary. ooFor returns of eligible items purchased via the ShopRunner service, for which the merchant does not offer free return Mastercard ID Theft Protection™ shipping, ShopRunner will provide cardholder with a postage-paid return label that can be used to return items Program Description: back to the merchant. To obtain your ShopRunner pre-paid Mastercard ID Theft Protection (IDT) provides you with return label simply sign in to the My Account section on access to a number of Identity Theft resolution services, www.shoprunner.com. Next to each ShopRunner eligible should you believe you are a victim of Identity Theft. This order there is a link to generate a pre-paid return label. Print product offering will alert you about possible identity theft the label, affix it to your return packaging and follow the by monitoring the surface, dark and deep web, searching for rest of the Retailer’s return instructions. compromised credentials and potentially damaging use of your registered personal information in order to detect fraud onefinestay at its inception. Program Description: Eligibility: onefinestay provides access to over 10,000 high-end rental All Mastercard consumer credit cardholders in the US are homes around the world. The local guest services team eligible for this coverage. welcomes you at the home and is available 24/7. Each home Access: is stocked with high quality sheets, towels and toiletries. Simply contact 1-800-Mastercard if you believe you have Cardholders receive a 10% discount on all onefinestay been a victim of Identity Theft. bookings. You will also receive free Wifi and a complimentary iPhone, with free local calls and data, to use during your stay. 3 Services Provided: Single Bureau Credit Monitoring: Cardholders’ TransUnion Services provided are on a 24-hour basis, 365 days a year. credit file will be monitored for changes that could indicate In order to receive the following services you must enroll at: fraud such as new credit inquiries, an address change or new https://mastercardus.idprotectiononline.com/. The services credit account(s) opened in their name. An alert notification include: via email will be sent anytime a hard inquiry is made on the cardholders’ TransUnion credit file so they can take immediate Online Monitoring Dashboard (requires activation): The action to minimize damage. online monitoring dashboard is the primary user interface for cardholders. It serves as a repository of all the personally To take advantage of this service, the cardholder must enter identifiable information (PII) data the cardholder wants their Social Security number on the dashboard and pass credit to monitor, tracks and displays cardholders’ risk score, and authentication. provides access to identity protection tips. It is also the Financial Account Takeover: IDT monitors cardholder’s high- platform for cardholders to respond to identity monitoring risk transactions with more than 300 of the nation’s largest alerts. companies to uncover and thwart account takeover attempts. Monthly Risk Alert / Newsletter: Cardholders will receive Monitored transactions include: a monthly newsletter with information on the cardholder’s • Debit/credit cards/prepaid cards risk score, and articles pertaining to good identity protection • Bank accounts practices. • Brokerage accounts Identity Monitoring: IDT searches the internet to detect • Healthcare portals compromised credentials and potentially damaging use of your personal information, and alerts you via email so that you • Workplace intranets can take immediate action. This platform utilizes automated • Other services (e.g. peer-to-peer fund transfers) monitoring and human threat intelligence from cyber To take advantage of this service, the cardholder must enter operations agents monitoring threat actors and their tactics the accounts they wish to protect on the dashboard. on the deep and dark web where personal data is bought and URL and Domain Monitoring: URL and Domain monitoring sold. Data elements that can be monitored are: allows Cardholder to enter up to 10 domain or URL names • Email addresses related to cardholder’s business. This service will monitor • Debit/credit cards/prepaid cards the domain and URL names for any compromised email • Bank accounts addresses associated with the domain or URL names and if compromised email addresses are found in a data breach, • Web logins; username and password this service will alert the registered cardholder via email and • Medical insurance cards provide information regarding the specific email address that • Drivers’ license was breached along with information about the date found • Loyalty cards and source (provided that this information is available). • Affinity cards For more information regarding the services stated above and additional information, please visit https://mastercardus. • Passport number idprotectiononline.com/. • Vehicle insurance cards Charges: • Social Security number There is no charge for these services, they are provided by your To take advantage of this service, the cardholder must financial institution. enter the personal information they wish to monitor on the dashboard. Services NOT Provided: Resolution Services: You will have access to a team of identity • When it is determined you have committed any dishonest, theft resolution specialists, available 24 hours a day, 365 criminal, malicious or fraudulent act. days a year to help resolve your identity theft incident and • When your financial institution or card issuer which provides prevent further damage. The resolution specialists are native this service, has investigated the event and deemed you are speakers of English, French and Spanish, and are based out responsible the charge or event. of Bethesda, Maryland. Cardholders are given the option to • When any theft or unauthorized use of an account by a sign limited power of attorney (LPOA) to the specialist, to person to whom the account has been entrusted has been allow them to conduct resolution activities on the cardholders’ committed. behalf, including contacting police, credit agencies, and other Program Provisions for Mastercard ID Theft authorities, translating information, and closing and replacing Protection: breached accounts. This service applies only to you, the named Mastercard Lost Wallet Assistance: Cardholders will be provided cardholder. You shall use due diligence and do all things assistance with notifying the appropriate issuing authorities reasonable to avoid or diminish any loss or damage to to cancel and replace stolen or missing items, such as their property protected by the program. The provider, Generali debit/credit cards, driver’s license, Social Security card, and Global Assistance, relies on the truth of statement made in passport. the affidavit or declaration from each cardholder. This service 4 is provided to eligible Mastercard cardholders at no additional deductible. Coverage is limited to two (2) claims per Covered cost and is in effect for acts occurring while the program is in Card per 12 month period. effect. The terms and conditions contained in this program Coverage is excess of any other applicable insurance or Guide may be modified by subsequent endorsements. indemnity available to you. Coverage is limited only to those Modifications to the terms and conditions may be provided amounts not covered by any other insurance or indemnity. In via additional Guide mailings, statement inserts, or statement no event will this coverage apply as contributing insurance. messages. Mastercard or your financial institution can This “noncontribution” clause will take precedence over a cancel or non-renew these services, and if we do, we will similar clause found in other insurance or indemnity language. notify you at least thirty (30) days in advance. If the Provider non-renews or cancels any services provided to eligible D. What is NOT covered: Mastercard cardholders, you will be notified within 30–120 The following items are excluded from coverage under the days before the expiration of the service agreement. In the Group Policy: event substantially similar coverage takes effect without • Eligible Cellular Wireless Telephone accessories other than interruption, no such notice is necessary. For general questions the standard battery and standard antenna provided by the regarding these services, please contact 1-800-Mastercard. manufacturer; • Eligible Cellular Wireless Telephones purchased for resale or Cellular Wireless Telephone Protection for professional or commercial use; Key Terms • Eligible Cellular Wireless Telephones that are lost or Please see the ‘Key Terms’ section for the terms used Mysteriously Disappear; throughout this benefit. • Eligible Cellular Wireless Telephones under the care and Evidence of Coverage control of a common carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service; Refer to Key Terms for the definitions of you, your, we, us, our, • Eligible Cellular Wireless Telephones Stolen from baggage and words that appear in bold. This EOC is subject to the unless hand-carried and under the Eligible Person’s Legal Disclosures set forth below. supervision or under the supervision of the Eligible Person’s A. To get coverage: traveling companion who is previously known to the Eligible You must charge your monthly Eligible Cellular Wireless Person; Telephone bill to your Covered Card. You are eligible for • Eligible Cellular Wireless Telephones Stolen from a coverage the first day of the calendar month following the construction site; payment of your Eligible Cellular Wireless Telephone bill to • Eligible Cellular Wireless Telephones which have been rented your Covered Card. If you pay an Eligible Cellular Wireless or leased from a person or company other than a cellular Telephone bill with your Covered Card and fail to pay a provider; subsequent bill to your Covered Card in a particular month, your coverage period changes as follows: • Eligible Cellular Wireless Telephones which have been borrowed; 1. Your coverage is suspended beginning the first day of the calendar month following the month of nonpayment to your • Eligible Cellular Wireless Telephones that are received as part Covered Card; and of a pre-paid plan; 2. Your coverage resumes on the first day of the calendar • Cosmetic damage to the Eligible Cellular Wireless Telephone month following the date of any future payment of your or damage that does not impact the Eligible Cellular Wireless Eligible Cellular Wireless Telephone bill with your Covered Telephone’s ability to make or receive phone calls (including Card. minor screen cracks and fractures less than 2 inches in length that do not prevent the ability to make or receive phone calls B. The kind of coverage you receive: or to use other features related to making or receiving phone • Reimbursement for the actual cost to replace or repair a calls); Stolen or damaged Eligible Cellular Wireless Telephone. • Damage or theft resulting from abuse, intentional acts, • Coverage ends on the earliest of: The date you no longer are fraud, hostilities of any kind (including, but not limited to, a Cardholder; the date the Covered Card is determined to war, invasion, rebellion or insurrection), confiscation by the be ineligible by the participating organization; the date the authorities, risks of contraband, illegal activities, normal participating organization ceases to pay premium on the wear and tear, flood, earthquake, radioactive contamination, Group Policy; the date the participating organization ceases or damage from inherent product defects or vermin; to participate in the Group Policy; the date the Group Policy • Damage or theft resulting from mis-delivery or voluntary is terminated. parting from the Eligible Cellular Wireless Telephone; C. Coverage limitations: • Replacement of Eligible Cellular Wireless Telephone(s) Coverage for a Stolen or damaged Eligible Cellular Wireless purchased from anyone other than a cellular service Telephone is subject to the terms, conditions, exclusions, and provider’s retail or internet store that has the ability to limits of liability of this benefit. The maximum liability is $600 initiate activation with the cellular service provider; per claim for World Mastercard, and $1,000 per Covered Card per 12 month period. Each claim is subject to a $50 5 • Taxes, delivery or transportation charges or any fees * Travel & Lifestyle Services are provided by Ten Lifestyle associated with the service provided; and Group plc. No travel bookings are being made by • Losses covered under a warranty issued by a manufacturer, Mastercard, nor is Mastercard acting as a travel agency or distributor or seller. providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services. In addition, we shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit **Mastercard Lowest Hotel Rate Guarantee: If you book a under the Group Policy to the extent that the provision qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’ of such cover, payment of such claim or provision of such hotel stay through the Mastercard Travel & Lifestyle benefit would expose us, our parent company or its ultimate Services program either online or through an authorized controlling entity to any sanction, prohibition or restriction program agent using your Mastercard and then find the under United Nations resolutions or the trade or economic same hotel room type, in the same hotel, for the same sanctions, laws or regulations of the European Union or the dates, the same number of children and adults, at a lower United States of America. price online, before taxes and fees, we’ll refund you the difference. To receive a refund you must submit a claim as E. How to file a claim described in the Terms & Conditions prior to your stay and Call 1-800-Mastercard or go to www.mycardbenefits.com to at least seventy-two (72) hours before the date of your open a claim. You must report the claim within 90 days of the reservation check-in. loss, or as soon as reasonably possible, or the claim may not ***Mastercard Hotel Stay Guarantee: The Mastercard Travel be honored. Upon receipt of a notice of claim, we will provide & Lifestyle Services Hotel Stay Guarantee is simple – if you with the necessary instructions for filing proof of loss. you book your three star or higher hotel stay through the Written proof of loss must be submitted to our Administrator Mastercard Travel & Lifestyle Services program and you within 120 days of the loss or the claim may not be honored. encounter problems with the hotel, contact Ten Lifestyle Required documentation may include but is not limited to the Group plc, the designated travel agent for the Mastercard following: Travel & Lifestyle Services program at Toll Free (US) 1 800 • Your card statement reflecting the monthly Eligible Cellular 336 6420 during your stay and a Ten lifestyle manager Wireless Telephone payments for the month preceding the will attempt to make it right for the remainder of your date the Eligible Cellular Wireless Telephone was Stolen or stay by working directly with the hotel to try to resolve suffered damage; your issue or will make efforts to find you comparable • A copy of your current wireless service provider’s billing accommodations. statement; Certain terms, conditions and exclusions apply. Full details are • If a claim is due to damage, a copy of the repair estimate and available at https://travel.mastercard.com/us/en-us/world- photos of the damage; elite/product/terms. • If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and Mastercard Global Service™ • Any other documentation or information reasonably Mastercard Global Service™ provides worldwide, 24-hour requested by us to support the claim. assistance with Lost and Stolen Card Reporting, Emergency Please see the ‘Legal Disclosure’ section for all Card Replacement, and Emergency Cash Advance. disclosures for this benefit. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to Mastercard Travel & Lifestyle Services make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next As a World Mastercard® cardholder, you have access to day in the United States, and within two business days almost Mastercard® Travel & Lifestyle Services, a suite of benefits, everywhere else. amenities and upgrades, preferential treatment and Remember, if you report your card lost or stolen, you will not premium travel offers from best-in-class travel companies be responsible for any unauthorized transactions on your across hotels, air travel, tours, cruises, car rentals and account. more*. Get the most from all your travels whether you are planning a last-minute getaway or your dream family In the United States (including all 50 states, the District vacation. As a Mastercard® cardholder, you have access to of Columbia, the U.S. Virgin Islands, and Puerto Rico) and a lifestyle manager that will help you plan your vacation - Canada, call 1-800-307-7309. complimentary, at your convenience, 24 hours a day, 7 days a When out-of-country and in need of assistance, you can week. Plus, take advantage of the Mastercard Lowest Hotel easily reach a specially trained Mastercard Global Service Rate Guarantee** and Mastercard Hotel Stay Guarantee*** Representative who can help you 24 hours a day, 365 days which deliver value and peace of mind. a year, in any language. You can call toll-free from over 80

6 countries worldwide. Some of the key toll-free Mastercard The insurance benefits are provided under the Group Policy Global Service telephone numbers are: issued by New Hampshire Insurance Company, an AIG Australia...... 1-800-120-113 Mexico...... 001-800-307-7309 company. This Guide to Benefits is a summary of benefits Austria...... 0800-070-6138 Netherlands...... 0800-022-5821 provided to you. The attached Key Terms and EOC are France...... 0-800-90-1387 Poland...... 0-0800-111-1211 governed by the Group Policy. Germany...... 0800-071-3542 Portugal...... 800-8-11-272 Effective date of benefits: This Guide to Benefits replaces Hungary...... 06800-12517 Spain...... 900-822-756 all prior disclosures, program descriptions, advertising, and Ireland...... 1-800-55-7378 United Kingdom.... 0800-96-4767 Italy...... 800-870-866 Virgin Islands...... 1-800-307-7309 brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these For additional information, or for country-specific, toll-free programs at any time. Notice will be provided for any changes. telephone numbers not listed above, visit our website at Cancellation: The Policyholder may cancel these benefits at www.mastercard.com or call the United States collect at any time or choose not to renew the insurance coverage for 1-636-722-7111. all Cardholders. If the Policyholder cancels these benefits, you Account Information and Card Benefits: will be notified in advance. If we terminate, cancel, or choose When in the United States, contact your card issuer directly not to renew the coverage to the Policyholder, you will be for account information and 1-800-Mastercard for card notified as soon as is practicable. Insurance benefits will still benefits. When traveling outside the U.S., call Mastercard apply for any eligible coverage that attaches prior to the date Global Service to access your card issuer for account of such termination, cancellation, or non-renewal, subject to information or to access any of your card benefits. the terms and conditions of coverage. ATM Locations: Benefits to you: These benefits apply only to Eligible Accounts issued in the United States. The United States is Call 1-877-FINDATM (1-877-346-3286) to find the location defined as the fifty U.S. states and the District of Columbia. of a nearby ATM in the Mastercard ATM Network accepting No person or entity other than you shall have any legal or Mastercard®, Maestro®, and Cirrus® brands. Also, visit our equitable right, remedy, or claim for benefits, insurance website at www.mastercard.com to use our ATM locator. proceeds and damages under or arising out of these You can get cash at over two million ATMs worldwide. programs. These benefits do not apply if your card privileges To enable cash access, be sure you know your Personal have been cancelled. However, insurance benefits will still Identification Number (PIN) before you travel. apply for any benefit you were eligible for prior to the date that your Eligible Account is suspended or cancelled, subject to Mastercard Airport Concierge™ the terms and conditions of coverage. Your passport to the finer side of air travel. Transfer of rights or benefits: The Group Policy is not Enjoy a 15% savings on Airport Meet and Greet services. assignable, but the benefits may be assigned. Arrange for a personal, dedicated Meet and Greet agent Intentional Misrepresentation and Fraud: If any request for to escort you through the airport on departure, arrival or benefits made under the Group Policy is determined to be any connecting flights at over 700 destinations worldwide fraudulent, or if any fraudulent means or devices are used 24 hours a day, 7 days a week, 365 days a year. There are by you or anyone qualifying as an insured to obtain benefits also certain airports where you can be expedited through under the Group Policy, all benefits will be forfeited. No the security and/or the immigration process. To reserve coverage is provided if you or anyone qualifying as an insured Mastercard Airport Concierge services visit www.mastercard. does the following: (1) Conceals or misrepresents any fact com/airportconcierge or consult your Travel Advisor. upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) Account and Billing Information conceals or misrepresents any fact that contributes to the loss. Important: Contact your card-issuing financial institution Due Diligence: You must exercise or perform all vigilant directly for questions concerning your account, such as activity, attentiveness, and care that would be exercised or account balance, credit line, billing inquiries (including performed by a reasonable and prudent person in the same or transaction exchange rates), merchant disputes, or similar circumstances to avoid, diminish, or reduce any loss or information about additional services not described in this damage insured under the Group Policy. Guide. Your financial institution’s phone number should be available on your monthly billing statement or on the back of Subrogation: If payment is made under these benefits, we your card. are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person Reminder: Please refer to the Legal Disclosure section. who receives payment under these benefits must transfer Legal Disclosure to us his or her rights to recovery against any other party or person and must do everything necessary to secure these This Guide to Benefits is not, by itself, a policy or contract of rights and must do nothing that would jeopardize them. insurance or other contract. Salvage: If an item is not repairable, we may request that Benefits are provided to you, the Cardholder, at no additional you send the item to us for salvage at your expense. Failure to charge. remit the requested item for salvage to us may result in denial of the claim. 7 Severability of Provisions: If in the future any one or more of redeemed through a Policyholder sponsored Rewards the provisions of this Guide to Benefits is, to any extent and program. If the entire cost of the passenger fare has been for any reason, held to be invalid or unenforceable, then such charged to your Patelco MasterCard Card account prior to provision(s) shall be deemed “severable” from the remaining departure for the airport, terminal or station, coverage is also provisions of the Guide. In that event, all other provisions of provided while the Insured Person is riding as a passenger this Guide shall remain valid and enforceable. in, entering or exiting any Common Carrier, while traveling Benefits listed in this Guide to Benefits are subject to the to or from the airport, terminal, or station: 1) immediately conditions, limitations, and exclusions described in each preceding the departure of the scheduled Common Carrier benefit section. Receipt and/or possession of this Guide on which the Insured Person has purchased passage; and 2) to Benefits does not guarantee coverage or coverage immediately following the arrival of the scheduled Common availability. Carrier on which the Insured Person was a passenger. This Related Transportation Extension does not include any This Guide is intended as a summary of services, benefits, and courtesy transportation provided without a specific charge. coverages and, in case of a conflict between the Guide and If the entire cost of the passenger fare has not been charged the Group Policy, the Group Policy shall control. prior to your arrival at the airport, terminal or station, Washington Residents: For Washington residents only, coverage begins at the time the entire cost of the travel Evidence of Coverage (EOC) means the section of this passenger fare is charged to your Patelco MasterCard Card Guide to Benefits that describes the terms, conditions, and account. Common Carrier means any land, water or air exclusions of your coverage. The EOC, Key Terms, and Legal conveyance operated by those whose occupation or business Disclosures are in the entire agreement between you and us. is the transportation of persons without discrimination and Representations or promises made by anyone that are not for hire. Dependent Child(ren) means those children, including contained in the EOC, Key Terms, or Legal Disclosures are not adopted children and children placed for adoption, who are part of your coverage. In case of a conflict between this Guide primarily dependent upon the Insured Person for maintenance to Benefits and the Group Policy, the Guide to Benefits shall and support and who are: 1) under the age of nineteen (19) control. and reside with the Insured Person: or 2) beyond the age of nineteen (19), permanently mentally or physically challenged, and incapable of self-support; or 3) under the age of twenty- TRAVEL ACCIDENT INSURANCE five (25) and classified as a full-time student at an institute of higher learning. Receive up to $300,000 in Accidental Death and Dismemberment (AD&D) coverage in any country in the Eligibility: This travel insurance plan is provided to world when you use your Patelco Rewards MasterCard to Patelco MasterCard cardholders, of Patelco Credit Union purchase travel tickets (airfare, rail, or other form of licensed automatically when the entire cost of the passenger fare(s) common carrier). This policy is enacted whether you have are charged to card account while the insurance is effective. other coverage or not, guaranteeing a set benefit to those left It is not necessary for you to notify Patelco Credit Union the behind – including your children and domestic partner. administrator or the Company when tickets are purchased. You must purchase travel tickets in full with your MasterCard The Cost: This travel insurance plan is provided at no and/or accumulated points from Your MasterCard for You, additional cost to eligible Patelco MasterCard Card and/or Your Spouse or Domestic Partner, and/or Children cardholders of Patelco Credit Union. Patelco Credit Union under 23 years of age and be under the responsibility of pays the account holders premium out of the annual revenues a licensed common carrier to receive coverage. Family generated from the Patelco MasterCard Card. member(s) do not need to travel with you to receive coverage. Beneficiary: The Loss of Life benefit will be paid to the If redeemable certificated, vouchers, coupons, or discounts beneficiary designated by the insured. If no such designation awarded from frequent flyer programs are used to purchase has been made, that benefit will be paid to the first surviving the trip, any remaining charge for the trip must be purchased beneficiary in the following order: a) the Insured’s spouse, entirely with Your MasterCard. b) the Insured’s children, c) the Insured’s parents, d) the DESCRIPTION OF COVERAGE Insured’s brothers and sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured. The Plan: As a Patelco MasterCard cardholder, of Patelco Credit Union, you, your spouse and unmarried dependent The Benefits: The full Benefit Amount is payable for children will be automatically insured up to $300,000.00 accidental loss of life, two or more members, sight of both against accidental loss of life, limb, sight, speech or hearing eyes, speech and hearing or any combination thereof. One while riding as a passenger in, entering or exiting any licensed half of the Benefit Amount is payable for accidental loss of: common carrier, provided the entire cost of the passenger one member, sight of one eye, speech or hearing. “Member” fare(s), less redeemable certificates, vouchers or coupons, or means hand or foot. One quarter of the Benefit Amount is rewards has been charged to your Patelco payable for the accidental loss of the thumb and index finger of the same hand. “Loss” means, with respect to a hand, MasterCard Card account. “Rewards” means points, miles, complete severance through or above the knuckle joints of cash rewards, or any other type of redeemable rewards, at least 4 fingers on the same hand; with respect to a foot, provided that all Rewards have been accumulated and complete severance through or above the ankle joint. The

8 Company will consider it a loss of hand or foot even if they are Answers to specific questions can be obtained by writing the later reattached. “Benefit Amount” means the Loss amount Plan Administrator. To make a claim please contact the Plan applicable at the time the entire cost of the passenger fare is Administrator. charged to a Patelco MasterCard Card account. The loss must occur within one year of the accident. The Company will pay National Plan Administrator the single largest applicable Benefit Amount. In no event will Cardwell Agency, Inc. duplicate request forms or multiple charge cards obligate the Company in excess of the stated Benefit Amounts for any one P.O. Box 5725 loss sustained by any one individual insured as the result of any Glen Allen, VA 23058-5725 one accident. This description of coverage is not a contract of insurance but Maximum Limit Of Insurance: In the event of multiple is simply an informative statement of the principal provisions accidental deaths per account arising from any one accident, of the insurance while in effect. Complete provisions the Company’s liability for all such losses will be subject to a pertaining to this plan of Insurance are contained in the maximum limit of insurance equal to two times the Benefit master policy on file with the Policyholder: Patelco Credit Amount for loss of life. Benefits will be proportionately divided Union. If this plan does not conform to your state statutes, among the Insured Persons up to the maximum limit of it will be amended to comply with such laws. If a statement insurance. in this description of coverage and any provision in the policy Exclusions: This insurance does not cover loss resulting from: differ, the policy will govern. 1) an Insured’s emotional trauma, mental or physical illness, You can also file a claim directly with Federal Insurance disease, pregnancy, childbirth or miscarriage, bacterial or viral Company by contacting the Claim Administrator: To obtain infection (except bacterial infection caused by an accident or a claim form contact the Claim Administrator, Crawford from accidental consumption of a substance contaminated and Company. Complete all items on the required claim by bacteria), or bodily malfunctions; 2) suicide, attempted form, attach all appropriate documents, and mail or fax to: suicide or intentionally self-inflicted injuries; 3) declared or Crawford and Company, P.O. Box 4090, Atlanta, GA 30302, undeclared war, but war does not include acts of terrorism; PHONE NUMBER 855-830-3719 Fax Number 855-830-3728. 4) travel between the Insured Person’s residence and regular place of employment. This insurance also does not apply Plan Underwritten By to an accident occurring while an Insured is in, entering, or exiting any aircraft while acting or training as a pilot or crew Federal Insurance Company member, but this exclusion does not apply to passenger a member insurer of the who temporarily perform pilot or crew functions in a life Chubb Group of Insurance Companies threatening emergency. 15 Mountain View Road, P.O. Box 1615 Claim Notice: Written claim notice must be given to the Warren, NJ 07061-1615 Company within 20 days after the occurrence of any loss covered by this policy or as soon as reasonably possible Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. Claim Forms: When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the loss. Claim Proof Of Loss: Complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than 1 year after the deadline to submit complete proof of loss. Claim Payment: The Company will pay you or your beneficiary the applicable benefit amount within 60 days after complete proof of loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy. Effective Date: This insurance is effective the date you become a Patelco MasterCard cardholder, and will cease on the date the Master Policy 9907-40-57 is terminated or on the date your card account ceases to be in good standing, whichever occurs first.

9 To file a claim, call 1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466. Visit our website at www.mastercard.com.