Dependable roadside assistance, 24 hours a day, 7 ® days a week has never been easier. No membership Roadside Dispatch or pre-enrollment is required. Just call Roadside Dis- patch toll-free when you need them. For roadside assistance, call 1-800-847-2869

What is Roadside Dispatch? 1-800-847-2869 ~ it’s that easy!

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- travels take you. tained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services 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 For a set price per service call, the program prohibited. provides: 1 Any vehicle with wheels is covered under the program 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 weighing more than 10,000 lbs. are considered ‘Medium • Tire Changing – must have good, inflated spare Duty’ or ‘Heavy Duty’ and are NOT covered under this pro- gram. • Jump Starting Additional Terms: Service providers supplying emergency • Lockout Service (no key replacement) roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Nu- merica Credit Union shall have any responsibility or liability • Fuel Delivery – up to 5 gallons (plus the cost of in connection with the rendering of the service. Emergency fuel) roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not • Standard Winching accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the custom- Roadside Dispatch will ask you where you are, er on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; what the problem is, and while they remain on however, neither Visa nor Numerica Credit Union provides the phone with you, they will arrange a dispatch any assurances as to the ability of the Service Provider to to a reliable tow operator or locksmith to provide meet such estimates. You are responsible for any roadside help. (If you feel you are in an unsafe location assistance or towing charges incurred by facilities respond- ing to your request even if you are not with your vehicle or – Roadside Dispatch will advise you to hang up your vehicle is gone upon their arrival. Services provided by 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 your area, and will remain on the phone with you ©2018 Visa. All Rights Reserved. at your request until the police arrive.) You have the convenience of one toll-free phone number and you may save money because their rates are pre-negotiated.

Numerica Credit Union Visa Platinum Benefits PAGE | 2 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 Platinum Benefits PAGE | 3 • 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 Platinum Benefits PAGE | 4 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 Cellular Telephone 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 Platinum Benefits PAGE | 5 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 Platinum Benefits PAGE | 6 Your Guide to Benefit describes the benefit or physical illness of You or an Immediate of a Physician; or b) traveling while on a in effect as of 4/1/17. Benefit information Family Member of the Insured person; or waiting list for specified medical treatment; in this guide replaces any prior benefit or c) traveling for the purpose of obtaining information You may have received. Please 2. Default of the Common Carrier resulting medical treatment; or d) traveling in the read and retain for Your records. Your from financial insolvency. third trimester (seventh month or after) of eligibility is determined by Your financial pregnancy institution. The death, Accidental injury, disease or physical illness must be verified by a Physician and must • Suicide, attempted suicide, or intentionally prevent You from traveling on the trip. self-inflicted injuries

Trip Cancellation/ Note: Common Carriers may issue a credit vouch- • Declared or undeclared war, but war does not er for the value of the unused ticket. A fee may be include acts of terrorism Trip Interruption ($2,000) associated with changing or cancelling the ticket. Reimbursement of fee may be eligible at time • An Insured Person’s emotional trauma, of Loss. Most Common Carrier credit vouchers mental or physical illness, disease, pregnancy, Sometimes the unexpected happens and Your travel expire in one year. Proof of unused credit voucher childbirth or miscarriage, bacterial or viral arrangements don’t go as planned. can be submitted for reimbursement after expi- infection or bodily malfunctions, except ration. Payment will not exceed either the actual You’ve done a great job preparing for Your Trip. physical illness or disease which prevent Non-Refundable amount paid by the Insured Your flights have been booked, You confirmed the Insured Person from traveling on a Person for a Common Carrier passenger(s) fare(s), Covered Trip. This Exclusion does not Your reservation with Your hotel and You even or up to $ 2,000. rented a car so You can sightsee. But what if You apply to Loss resulting from an Insured have to cancel Your trip because of the death of an The following exclusions apply to financial Person’s bacterial infection caused by an Immediate Family Member? What if the airline You services Common Carrier Trip Cancellation/ Accident or from Accidental consumption booked Your flight through declares bankruptcy? Trip Interruption only of a substance contaminated by bacteria. Fortunately, Trip Cancellation and Interruption benefits are available to help You with these No Trip Cancellation or Interruption benefits will be How to file a Trip Cancellation or unforeseen circumstances that could disrupt Your paid for Loss caused by or resulting from: Interruption claim travel plans. Within twenty (20) days of the Trip Cancellation • A Pre-existing Condition Trip Cancellation and Interruption benefits pay or interruption or as soon as reasonably possible, up to $ 2,000 per Insured Person for the non- • Accidental Bodily Injuries arising from You must provide (written) claim notice to the Plan Administrator. The Plan Administrator will ask You refundable Common Carrier ticket(s) that You paid participation in interscholastic or professional for some preliminary information and send You the for with Your covered Account and/or rewards sports events, racing or speed contests, or appropriate claim forms. Failure to give notice programs associated with Your covered Account. uncertified scuba diving within twenty (20) days will not invalidate or You, Your spouse (or Domestic Partner) and Your • Cosmetic surgery, unless such cosmetic reduce any otherwise valid claim, if notice is Dependent Children are eligible for coverage if given as soon as reasonably possible. You charge the entire cost of the Trip using Your surgery is rendered necessary as a result of a Account, less redeemable certificates, vouchers, or Loss covered under this policy When the Plan Administrator receives notice of a coupons, or rewards program associated with Your claim, the Plan Administrator will send You forms • The Insured Person or an Immediate Family covered Account. for giving proof of Loss within fifteen (15) days. If Member being under the influence of drugs You do not receive the forms, You should send the The Trip Cancellation or Interruption must (except those prescribed and used as directed Plan Administrator a written description of the Loss. be caused by or result from: by a Physician) or alcohol Answers to specific questions can be obtained by 1. The death, Accidental Bodily Injury, disease • The Insured Person or an Immediate Family writing to the Plan Administrator. To make a Member: a) traveling against the advice

Numerica Credit Union Visa Platinum Benefits PAGE | 7 claim, please contact the Plan Administrator: As a cardholder, You, Your spouse (or Domestic or above the ankle joint. The Company will consider Partner), and unmarried Dependent Children will it a Loss of hand or foot even if the fingers, thumb, cbsi Card Benefit Services be automatically insured up to one thousand dollars or foot is later reattached. 550 Mamaroneck Avenue, Suite 309 ($1,000) for Accidental Loss of life, limb, sight, Harrison, NY 10528 speech, or hearing. This benefit applies while: In order to be eligible for this additional coverage, the entire cost of the Common Carrier passenger Please return Your completed and signed 1. Riding as a passenger in or entering or fare(s), less redeemable certificates, vouchers, or claim form and the documents listed exiting any Common Carrier; or coupons, must be charged to Your covered Account below as soon as possible to the Plan and/or rewards programs associated with Your Administrator: 2. Riding as a passenger in, entering, or exiting covered Account during the policy period. If the any conveyance licensed to carry the public purchase is not made prior to the Insured Person’s • A copy of Your monthly billing statement for a fee and while traveling to or from the arrival at the airport, coverage begins at the time the or the travel itinerary (showing the last airport: entire cost of the Common Carrier passenger fare is four [4] digits of the Account number) purchased. confirming the Common Carrier ticket was a. Immediately preceding the departure of purchased using the covered Account and/ a Common Carrier on which the Insured This travel accident benefit is provided to eligible or rewards programs associated with Your Person has purchased passage; and cardholders. Your financial institution pays the covered Account. cardholder’s premium as a benefit of the card b. Immediately following the arrival of a membership. • If more than one method of payment was Common Carrier on which the Insured used, please provide documentation as to Person was a passenger; or The Loss must occur within one year of the additional currency, voucher, points or any Accident. The Company will pay the single largest other payment method utilized. 3. At the airport, terminal or station, at the applicable Benefit Amount. In the event of multiple beginning or end of the Common Carrier • Confirmation of the non-refundable Accidental deaths per Account arising from any one Covered Trip. Accident, the Company’s liability for all such Losses amounts for the unused Common Carrier tickets and/or travel vouchers will be subject to a maximum limit of insurance equal to two times the Benefit Amount for Loss of • Confirmation that the tickets were cancelled life. Benefits will be proportionately divided among with the Common Carrier the Insured Persons up to the maximum limit of Benefit Covered Loss insurance. • A copy of the travel itinerary showing the Maximum passenger names and ticket cost Accidental Loss of Life, two or more $1,000.00 The Loss of Life benefit will be paid to the Members, sight of both eyes, speech Beneficiary designated by You. If no such • Confirmation of the reason for the Trip and hearing or any combination designation has been made, that benefit will be paid Cancellation; (completed attached thereof to the first surviving Beneficiary in the following physician statement, confirmation of order: a) Your spouse, b) Your Children, c) Your death of Immediate Family Member or Accidental Loss of one Member, sight $500.00 of one eye, speech or hearing parents, d) Your brothers and sisters, e) Your estate. documentation confirming any other cause All other indemnities will be paid to You. of Loss) Accidental Loss of the thumb and $250.00 index finger of the same hand The following exclusions apply to the Travel • A copy of the cancellation or refund policies Accident benefit of the Common Carrier, Tour Operator or Loss means, with respect to a hand, complete Travel Supplier severance through or above the knuckle joints of at Loss caused by or resulting from: least four (4) fingers on the same hand or at least Additional Travel Accident benefit three (3) fingers and the thumb on the same hand; • An Insured Person’s emotional trauma, with respect to a foot, complete severance through mental or physical illness, disease, normal

Numerica Credit Union Visa Platinum Benefits PAGE | 8 pregnancy, normal childbirth or elective below as soon as possible to the Plan Loss; and 3) occurs while the Insured Person is abortion, bacterial or viral infection, or bodily Administrator: insured under this policy, which is in force. malfunctions. This exclusion does not apply to Loss resulting from an Insured Person’s • A copy of the police report Account means Your credit or debit card Accounts. bacterial infection caused by an Accident or from Accidental consumption of a substance • A completed medical authorization form for Benefit Amount means the Loss amount at contaminated by bacteria each treating medical facility the time the entire cost of the passenger fare is purchased with an eligible Account and/or rewards • Suicide, attempted suicide, or intentionally • Copy of the certificate of death, if applicable programs associated with Your covered Account. self-inflicted injuries • A copy of the travel itinerary • Declared or undeclared war, but war does not Common Carrier means any licensed land, include acts of terrorism • A copy of the credit card statement reflecting water or air conveyance operated by those whose the purchase, verification of the cardholder’s occupation or business is the transportation of • An Accident occurring while You are in, name and the first six digits of the credit card persons or things without discrimination and for entering, or exiting any aircraft while acting or number. hire. training as a pilot or crew member (does not apply if You temporarily perform pilot or crew To view the status of your claim and Covered Trip means travel on a Common Carrier functions in a life-threatening emergency) to securely upload documents for Trip when the entire cost of the passenger fare for Cancellation/Interruption and Travel such transportation, less redeemable certificates, How to file a Travel Accident benefit claim Accident Benefit, visit vouchers, or coupons, has been purchased with www.myclaimsagent.com an Insured Person’s covered card Account and/ Within twenty (20) days of the accident or as soon Use website code: 001 or rewards programs associated with Your covered as reasonably possible, You must provide (written) Or mail the completed and signed claim form and all Account issued by the Policyholder. claim notice to the Plan Administrator. The Plan required documents to: Administrator will ask You for some preliminary Dependent Child or Children means those information and send You the appropriate claim Claim Benefit Services Children, including adopted Children and forms. Failure to give notice within twenty P.O. Box 459084 those Children placed for adoption, who are (20) days will not invalidate or reduce any Sunrise, FL 33345 otherwise valid claim, if notice is given as primarily dependent upon the Insured Person for maintenance and support, and who are: 1) soon as reasonably possible. If You choose to mail Your documents, under the age of nineteen (19), and reside with the please send a copy of Your documents and Insured Person; 2) beyond the age of nineteen (19), When the Plan Administrator receives notice of a retain the originals for Your records. Claim claim, the Plan Administrator will send You forms permanently mentally or physically challenged, and Benefit Services is unable to return any for giving proof of Loss within fifteen (15) days. If incapable of self-support; or 3) under the age of submitted documents. You will be contacted You do not receive the forms, You should send the twenty-five (25) and classified as full-time students by a claim adjuster if additional information Plan Administrator a written description of the Loss. at an institution of higher learning. or documentation is required. Answers to specific questions can be obtained by Domestic Partner means a person who is Definitions writing to the Plan Administrator. To make a registered as a Domestic Partner or legal equivalent claim, please contact the Plan Administrator: Accident or Accidental means a sudden, under laws of the governing jurisdiction, or who: unforeseen, and unexpected event which: happens 1) is at least 18 years of age and competent to enter cbsi Card Benefit Services into a contract; 2) is not related to the Primary 550 Mamaroneck Avenue, Suite 309 by chance; is independent of illness and disease and Insured Person by blood; 3) has exclusively lived Harrison, NY 10528 is the direct source of Loss. with the Primary Insured Person for at least twelve Please return Your completed and signed Accidental Bodily Injury means Bodily Injury, (12) consecutive months. 4) is not legally married claim form and the documents listed which: 1) is Accidental; 2) is the direct cause of a or separated; and 5) has with the Primary Insured

Numerica Credit Union Visa Platinum Benefits PAGE | 9 Person at least two (2) of the following financial Insured Person is prevented from traveling on provisions shall be void in any case of fraud, arrangements: a) a joint mortgage or lease; b) a a Covered Trip on or before the Covered Trip intentional concealment, or misrepresentation joint bank account; c) joint title to or ownership of departure. of material fact. a motor vehicle or status a joint lessee on a motor • No legal action for a claim may be brought vehicle lease; or d) a joint credit card account with a Trip Interruption means the Insured Person’s against the Provider until sixty (60) days after financial institution. Covered Trip is interrupted either on the way to the Covered Trip point of departure or after the Covered the Provider receives Proof of Loss. No legal Immediate Family Member means the Insured Trip departure. action against the Provider may be brought Person’s: 1) Spouse or Domestic Partner; 2) children more than two (2) years after the time for including adopted children or stepchildren; 3) legal You or Yours means an Insured Person who giving Proof of Loss. Further, no legal action guardians or wards; 4) siblings or siblings-in-law; purchase their trip to the Insured person’s covered may be brought against the Provider unless all 5) parents or parents-in-law; 6) grandparents or Account and/or rewards programs associated with the terms of the Guide to Benefits have been grandchildren; 7) aunts or uncles; 8) nieces and the Insured Person’s covered Account. complied with fully. nephews. Immediate Family Member also means a • This benefit is provided to eligible Spouse’s or Domestic Partner’s children, including Additional provisions for Trip Cancellation and Interruption cardholders at no additional cost. The terms adopted children or step children; legal guardians and conditions contained in this Guide to or wards; siblings or siblings-in-law; parents or • As a handy reference guide, please read this Benefits may be modified by subsequent parents-in-law; grandparents or grandchildren; and keep it in a safe place with Your other endorsements. Modifications to the terms and aunts or uncles; nieces or nephews. insurance documents. conditions may be provided via additional Guide to Benefits mailings, statement inserts, Insured Person means the individual or entity to • This description of coverage is not a contract statement messages or electronic notification. whom the Policyholder has issued an Account, as of insurance but is simply an informative The benefits described in this Guide will not well as authorized users of the Account registered statement of the principal provisions of apply to cardholders whose Accounts have with the Policyholder. Insured Person also means the insurance while in effect. Complete been suspended or cancelled. the Insured Person’s Spouse or Domestic Partner provisions pertaining to this plan of insurance and Dependent Children. are contained in the master policy, on file • Termination dates may vary by financial with the Policyholder: BNY Midwest Trust institutions. Your financial institution Member means hand or foot. Company as trustee of the Chubb Financial can cancel or non-renew the benefits for Institution Group Insurance Trust for the cardholders, and if they do, they will notify Pre-existing Condition means Accidental Bodily Account of participating financial institutions. You at least thirty (30) days in advance. Policy #: 6478-07-74 Injury, disease, or illness of the Insured Person or Federal Insurance Company (“Provider”) is Immediate Family Member of the Insured Person • Signed or pinned transactions are covered as the underwriter of these benefits and is solely which occurs or manifests itself during the sixty (60) long as You use Your eligible card to secure responsible for its administration and claims. day period immediately prior to the purchase date the transaction. The Plan Administrator provides services on of a Scheduled Airline passenger fare(s). Disease or behalf of the Provider. illness has manifested itself when either: 1) medical • You shall do all things reasonable to avoid care or treatment has been given; or 2) there exists or diminish any Loss covered by this benefit. • After the Plan Administrator has paid Your symptoms which would cause a reasonably prudent This provision will not be unreasonably claim, all Your rights and remedies against person to seek medical diagnosis, care or treatment. applied to avoid claims. any party in respect of this claim will be The taking of prescription drugs or medication for transferred to the Plan Administrator to the • If You make any claim knowing it to be false controlled (continued) condition throughout this extent of the payment made to You. You must or fraudulent in any respect, no coverage sixty (60) day period will not be considered to be a give the Plan Administrator all assistance shall exist for such claim, and Your benefit manifestation of illness or disease. as may reasonably be required to secure all may be cancelled. Each cardholder agrees rights and remedies. Trip Cancellation means the cancellation of that representations regarding claims will be • Common Carrier travel arrangements when the accurate and complete. Any and all relevant This benefit does not apply to the extent

Numerica Credit Union Visa Platinum Benefits PAGE | 10 that trade or economic sanctions or other Your Guide to Benefit describes the benefit need them. laws or regulations prohibit the provision of in effect as of 4/1/17. Benefit information insurance, including, but not limited to, the in this guide replaces any prior benefit If You choose not to register Your item, be sure payment of claims. information You may have received. Please to keep Your monthly billing statement reflecting read and retain for Your records. Your the purchase, the itemized sales receipt, the For more information about the benefit eligibility is determined by Your financial original manufacturer’s written U.S. warranty described in this guide, contact the Plan institution. and any additional warranty in a safe place. These Administrator. documents will be required to verify Your claim.

FORM #TRCAN – 2017 (04/17) TC-O Here’s how Extended Protection works Extended Warranty Your warranty coverage can be doubled up to one Protection (1) additional year on eligible warranties of three (3) years or less. For example, a manufacturer’s warranty of three (3) months would be provided Product warranties can be inconvenient and with an additional three (3) months of coverage for cumbersome to use. Let’s say You purchased a great a combined total of six (6) months of coverage, and gadget about a year ago, but it just stopped working, a warranty for six (6) months would be provided and You can’t find Your sales receipt and warranty with an additional six (6) months of coverage for a information. For all too common situations like combined total of twelve (12) months of coverage. these, Extended Warranty Protection can help. However, if the manufacturer’s warranty is for Extended Warranty Protection provides You with three (3) years, it would only be extended one (1) valuable features that help You manage, use and additional year for a combined total of four (4) years extend the warranties for eligible items purchased of coverage. on Your covered Account and/or rewards program This benefit is limited to no more than the original associated with Your covered Account. Services price of the purchased item (as shown on Your include Warranty Registration and Extended Protection. You are eligible for this benefit if You credit card receipt), less shipping and handling are a cardholder of an eligible card issued in the fees, up to a maximum of ten thousand dollars United States and You purchase either a portion or ($10,000.00) per claim, and fifty thousand dollars the entire cost of the item using Your Account and/ ($50,000.00) per cardholder. or rewards program associated with Your covered Account. The benefit covers purchases made both inside and outside the U.S. The eligible item must have a Here’s how Warranty Registration works valid original manufacturer’s U.S. repair warranty of three (3) years or less, store-purchased dealer When You purchase an eligible item that carries warranty, or an assembler warranty. a manufacturer’s warranty, You can register Your purchase by calling 1-800-551-8472 or call What Extended Protection does not cover collect outside the U.S. at 1-303-967-1096. You can also register Your purchase online at • Boats, automobiles, aircraft, and any www.cardbenefitservices.com. other motorized vehicles and their motors, equipment, or accessories, including trailers The Benefit Administrator will tell You where and other items that can be towed by or to send Your item’s sales receipt and warranty attached to any motorized vehicle information, so they can be kept on file should You

Numerica Credit Union Visa Platinum Benefits PAGE | 11 • Any costs other than those specifically Fill out and sign the claim form the Benefit item, as recorded on Your credit card receipt, less covered under the terms of the original Administrator sent You, then submit the form shipping and handling fees, up to a maximum of manufacturer’s written U.S. repair within ninety (90) days of the product failure, ten thousand dollars ($10,000.00) per claim, and warranty, as supplied by the original along with the following documents: a maximum of fifty thousand dollars ($50,000.00) manufacturer, or other eligible warranty per cardholder. You will only be reimbursed up to • A copy of Your monthly billing statement • Items purchased for resale, professional, or the amount charged to Your Account or the program (showing the last four [4] digits of the commercial use limit, whichever is less. Account number) demonstrating that Under normal circumstances, reimbursement will • Real estate and items which are intended the purchase was made on Your eligible occur within five (5) business days of the receipt and to become part of real estate including, but Account and/or rewards program associated approval of all required documents. not limited to, items that are hard-wired or with Your covered Account hard-plumbed, garage doors, garage door If Your item is to be repaired, You may go to • If more than one method of payment was openers, and ceiling fans an authorized repair facility and file a claim for used, please provide documentation as to reimbursement. Only valid and reasonable repairs • Rented or leased items additional currency, voucher, points or any made at the manufacturer’s authorized repair other payment method utilized • Computer software facility are covered. • A copy of the itemized sales receipt • Medical equipment In either case, the Benefit Administrator’s payment, • Used or pre-owned items (Refurbished • A copy of the original manufacturer’s replacement, or repair made in good faith will fulfill items will be covered as long as it has written U.S. warranty, and any other the obligation under this benefit. applicable warranty a warranty with it and would not be Definitions considered used or pre-owned.) • A description of the item and its serial Account means Your credit or debit card Accounts. Filing an Extended Protection claim number, and any other documentation deemed necessary to substantiate Your Eligible Person means a cardholder who pays for To file a claim, call the Benefit Administrator at claim (this includes bills and, if necessary, their purchase by using their eligible Account and/ 1-800-551-8472 or call collect outside the a copy of the maintenance record and or rewards program associated with their covered U.S. at 1-303-967-1096, immediately after the receipts) Account. failure of Your covered item. Please note if You • The original repair estimate or repair bill, You or Your means an Eligible Person who do not notify the Benefit Administrator indicating cause of failure purchase their item to their eligible Account and/ within sixty (60) days of product failure, or rewards program associated with their covered • Your claim may be denied. Any other documentation deemed necessary Account. by the Benefit Administrator to substantiate Additional provisions for Extended The Benefit Administrator will request preliminary the claim Protection claim information, direct You to the appropriate All claims must be fully substantiated. repair facility, and send You the claim form. Gift For faster filing, or to learn more about • Signed or pinned transactions are covered recipients of eligible items are also covered, but Extended Warranty Protection, visit as long as You use Your eligible card to they must provide all the documents needed to secure the transaction. substantiate their claim. www.cardbenefitservices.com • You shall do all things reasonable to avoid If You received or purchased a service contract or an or diminish any loss covered by this benefit. extended warranty when You purchased Your item, How You will be reimbursed This provision will not be unreasonably this benefit will be supplemental to, and in excess of, If You have substantiated Your claim and met applied to avoid claims. that coverage. the terms and conditions of the benefit, Your • If You make any claim knowing it to be false item will be replaced or repaired at the Benefit or fraudulent in any respect, no coverage What You must submit to file a claim Administrator’s discretion, but for no more shall exist for such claim, and Your benefit than the original purchase price of the covered

Numerica Credit Union Visa Platinum Benefits PAGE | 12 may be cancelled. Each cardholder agrees You must give the Benefit Administrator all that representations regarding claims will assistance as may reasonably be required to be accurate and complete. Any and all secure all rights and remedies. relevant provisions shall be void in any • This benefit does not apply to the extent case of fraud, intentional concealment, or that trade or economic sanctions or other misrepresentation of material fact. laws or regulations prohibit the provision of • No legal action for a claim may be brought insurance, including, but not limited to, the against the Provider until sixty (60) days payment of claims. after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2) years after FORM #EWP 10K-50K-3YR – 2017 (04/17) the time for giving Proof of Loss. Further, WM-O no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully. For more information about the benefit • This benefit is provided to eligible described in this guide, call the Benefit cardholders at no additional cost. The Administrator at 1-800-551-8472 or call terms and conditions contained in this collect outside the U.S. at 1-303-967-1096. Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide will not apply to cardholders whose Accounts have been suspended or cancelled. • Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these benefits and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider. • After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment made to You.

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