Dependable roadside assistance, 24 hours a day, 7 Your Guide to Benefit describes the benefit ® days a week has never been easier. No membership in effect as of 4/1/17. Benefit information Roadside Dispatch or pre-enrollment is required. Just call Roadside Dis- in this guide replaces any prior benefit patch toll-free when you need them. For roadside assistance, call 1-800-847-2869 information You may have received. Please read and retain for Your records. Your What is Roadside Dispatch? 1-800-847-2869 ~ it’s that easy! eligibility is determined by Your financial institution. Roadside Dispatch is a pay-per-use roadside Note: Customers must pay service provider for mileage over assistance program. The program provides you 5 miles. A secondary unit being towed behind is not included with security and convenience wherever your but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county main- travels take you. tained road only. Current fee for a standard service call is Travel and Emergency $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 Assistance Services 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 Emergencies can escalate quickly when You For a set price per service call, the program prohibited. are traveling away from home. Something that provides: 1 Any vehicle with wheels is covered under the program is relatively straight forward when You are not as long as it can be classified as ‘Light Duty’. ‘Light Duty’ traveling, like replacing prescription medication, 1 • Standard Towing – Up to 5 miles included vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles can be a difficult task when You are dealing with

weighing more than 10,000 lbs. are considered ‘Medium local laws or language barriers. • Tire Changing – must have good, inflated spare Duty’ or ‘Heavy Duty’ and are NOT covered under this pro- gram. Travel and Emergency Assistance Services are made • Jump Starting Additional Terms: Service providers supplying emergency available to help You in case of an emergency while • Lockout Service (no key replacement) roadside assistance and towing are independent contractors You are traveling away from home. The Benefit and are solely liable for their services. Neither Visa nor Nu- Administrator can connect You with the appropriate 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 local emergency and assistance resources available, fuel) roadside assistance and towing may not be available in 24 hours a day, 365 days a year. areas not regularly traveled, nor in other “off road” areas not • Standard Winching accessible by ordinary towing vehicles. Weather conditions, Please note that due to occasional issues time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the custom- such as distance, location, or time, neither Roadside Dispatch will ask you where you are, er on every call, and an expected estimated time of arrival the Benefit Administrator nor its service is provided to the customer regardless of their location; providers can be responsible for the 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 availability, use, cost, or results of any to a reliable tow operator or locksmith to provide meet such estimates. You are responsible for any roadside medical, legal, transportation, or other help. (If you feel you are in an unsafe location assistance or towing charges incurred by facilities respond- services. 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. What are Travel and Emergency Assistance will call the non-emergency police number in Services and how do I use these services your area, and will remain on the phone with you ©2018 Visa. All Rights Reserved. when I need them? at your request until the police arrive.) You have the convenience of one toll-free phone number Travel and Emergency Assistance Services are and you may save money because their rates made available to You, if You are a cardholder of an are pre-negotiated. eligible card issued in the United States. You, Your Immediate Family Members and business associates are also eligible to use these services. Travel and Emergency Assistance Services provide assistance

Numerica Credit Union Visa Business Platinum Benefits PAGE | 2 and referral only. You are responsible for the cost responsibility. • Pre-Trip Assistance – can give You of any actual medical, legal, transportation, cash information on Your destination before You advance, or other services or goods provided. • Emergency Transportation Assistance leave – such as ATM locations, currency – can help You make all the necessary exchange rates, weather reports, health To use the services, simply call the toll-free, 24-hour arrangements for emergency transportation precautions, necessary immunizations, and Benefit Administrator line at 1-800-992-6029. If home or to the nearest medical facility. required passport visas. You are outside the United States, call collect This includes arranging to bring Your at 1-804-673-1675. Immediate Family Members or business Definitions associates home and helping You stay in What are the specific services and how can contact with family members or employers Common Carrier means any mode of they help me? during the emergency. In the case of a transportation by land, water or air operating for death, the Benefit Administrator can make hire under a license to carry passengers for which a • Emergency Message Service – can arrangements to repatriate the remains. All ticket must be purchased prior to travel. Does not record and relay emergency messages for costs are Your responsibility. include taxi, limousine service, commuter rail or travelers, their Immediate Family Members commuter bus lines. or business associates. The Benefit • Emergency Ticket Replacement – helps Administrator will use reasonable efforts You through Your carrier’s lost ticket Immediate Family Member means Your Spouse to relay emergency messages in accordance reimbursement process and assists in the or dependent children under twenty-two (22) years with benefit guidelines and limitations, but delivery of a replacement ticket to You, old. cannot take responsibility for the failure should You lose Your ticket. All costs are to transmit any message successfully. All Your responsibility. You or Your means an eligible person whose name costs are Your responsibility. is embossed on an eligible U.S. issued card, and You • Lost Luggage Locator Service – can help reside in the United States. • Medical Referral Assistance – provides You through the Common Carrier’s claim medical referral, monitoring, and follow- procedures or can arrange shipment of Additional provisions for Travel and up. The Benefit Administrator can give You replacement items if an airline or Common Emergency Assistance Services names of local English-speaking doctors, Carrier loses Your checked luggage. You This benefit is provided to eligible cardholders dentists, and hospitals; assign a doctor are responsible for the cost of any at no additional cost. The terms and conditions to consult by phone with local medical replacement items shipped to You. personnel, if necessary, to monitor Your contained in this Guide to Benefits may be modified condition; keep in contact with Your family, • Emergency Translation Services – provides by subsequent endorsements. Modifications to the and provide continuing liaison; and help telephone assistance in all major languages terms and conditions may be provided via additional You arrange medical payments from Your and helps find local interpreters, if available, Guide to Benefits mailings, statement inserts, personal account. All costs are Your when You need more extensive assistance. statement messages or electronic notification. The responsibility. All costs are Your responsibility. benefits described in this Guide to Benefits will not apply to cardholders whose accounts have been • Legal Referral Assistance – can arrange • Prescription Assistance and Valuable suspended or cancelled. contact with English-speaking attorneys Document Delivery Arrangements – can and U.S. embassies and consulates if help You fill or replace prescriptions, subject FORM #TEASB – 2017 (Stand 04/17) TEAS-B You’re detained by local authorities, have to local laws, and can arrange pickup and a car accident, or need legal assistance. In delivery of Your prescriptions filled for For more information about the benefit addition, the Benefit Administrator can You at local pharmacies. It can also help described in this guide, call the Benefit coordinate bail payment from Your personal transport critical documents that You may Administrator at 1-800-992-6029, or call account. The Benefit Administrator can have left at Your home or elsewhere. All collect outside the U.S. at 1-804-673-1675. also follow up to make sure bail has been costs are Your responsibility. properly handled. All costs are Your

Numerica Credit Union Visa Business Platinum Benefits PAGE | 3 vary outside the United States, check with Auto Rental Collision If the Rental Vehicle is for personal reasons, this Your auto rental company and the Benefit benefit is secondary coverage, supplemental to Your Administrator before You travel, to be sure personal automobile insurance, meaning You may that Auto Rental Collision Damage Waiver Damage Waiver only be reimbursed for the amount of Your personal will apply. insurance deductible or other charges, including No cardholder wants to incur the expense of valid administrative and loss-of-use charges not Vehicles not covered repairing or replacing a rented car. But accidents do covered under Your personal insurance policy. If happen, and vehicles do get stolen. No matter what You are renting outside Your country of residence, Certain vehicles are not covered by this benefit, they happens to Your rental car, You can be covered with or if You do not have automobile insurance, Auto consist of expensive, exotic, and antique cars; cargo Auto Rental Collision Damage Waiver. Rental Collision Damage Waiver acts as primary vans; certain vans; vehicles with an open cargo coverage. bed; trucks; motorcycles; mopeds; motorbikes; Auto Rental Collision Damage Waiver reimburses limousines; and recreational vehicles. You for damages caused by theft or collision -- How to use Auto Rental Collision Damage up to the Actual Cash Value of most rented cars. Waiver Examples of expensive or exotic cars are the Alfa Auto Rental Collision Damage Waiver covers no Romeo, Aston Martin, Bentley, Corvette, Ferrari, other type of loss. For example, in the event of a 1. Use Your card to initiate and complete Your Jaguar, Lamborghini, Lotus, Maserati, Maybach, collision involving Your rented vehicle, damage entire car rental transaction. McLaren, Porsche, Rolls Royce, and Tesla. However, to any other driver’s car or the injury of anyone or 2. Review the auto rental agreement and selected models of Audi, BMW, Mercedes-Benz, anything is not covered. Rental periods of thirty-one decline the rental company’s collision Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and (31) consecutive days are covered. (Longer rental damage waiver (CDW/LDW) option, Range Rover are covered. periods, however, are not covered.) or a similar provision, as accepting An antique car is defined as one that is over this coverage will cancel out Your You are eligible for this benefit if Your name is twenty (20) years old, or one that has not been benefit. If the rental company insists embossed on an eligible card issued in the United manufactured for ten (10) years or more. that You purchase their insurance or States or if You are authorized by Your company to collision damage waiver, call the Benefit rent an eligible vehicle using the company’s eligible Vans are not covered. But those designed as small- Account, as long the rental is purchased entirely Administrator for assistance at 1-800- group transportation vehicles (seating up to nine [9] with the Account. Only You, as the primary renter of 348-8472. Outside the United States, people, including the driver) are covered. the vehicle, and any additional drivers permitted by call collect at 1-804-673-1164. the Rental Car Agreement are covered. Before You leave the lot, be sure to check the If You have questions about a specific car for any prior damage. vehicle’s coverage or organization where How Auto Rental Collision Damage Waiver the vehicle is being reserved, call the Benefit works with other insurance This benefit is in effect during the time the rental car Administrator at 1-800-348-8472 or call is in Your (or an authorized driver’s) control, and collect outside the United States at 1-804- Auto Rental Collision Damage Waiver covers it terminates when the rental company reassumes 673-1164. theft, damage, valid loss-of-use charges imposed control of their vehicle. and substantiated by the auto rental company, Related instances & losses not covered administrative fees and reasonable and customary This benefit is available in the United States and towing charges, due to a covered theft or damage to most foreign countries (with the exception of • Any obligation You assume under any the nearest qualified repair facility. Israel, Jamaica, the Republic of Ireland agreement (other than the deductible on or Northern Ireland). However, this benefit is Your personal auto policy) If the Rental Vehicle is for commercial and/or • business purposes, Auto Rental Collision Damage not available where precluded by law, or where Any violation of the auto rental agreement Waiver benefit acts as primary coverage, and You it’s in violation of the territory terms of the or this benefit may be reimbursed for up to the actual cash value of auto rental agreement, or when prohibited by • Injury of anyone, or damage to anything, the vehicle. individual merchants. Because regulations inside or outside the Rental Vehicle

Numerica Credit Union Visa Business Platinum Benefits PAGE | 4 • Loss or theft of personal belongings • Theft or damage reported more than forty- • A copy of the initial and final auto rental

• Personal liability five (45) days* after the date of the incident agreements (front and back) • • • Expenses assumed, waived, or paid by the Theft or damage for which a claim form has A copy of the repair estimate and itemized auto rental company, or its insurer not been received within ninety (90) days* repair bill from the date of the incident • • The cost of any insurance, or collision Two (2) photographs of the damaged • damage waiver, offered by or purchased Theft or damage for which all required vehicle, if available through the auto rental company documentation has not been received within • A police report, if obtainable three hundred and sixty-five (365) days • Depreciation of the Rental Vehicle caused after the date of the incident • A copy of the demand letter which indicates by the incident including, but not limited to, the costs You are responsible for and any • “diminished value” Theft or damage from rental transactions amounts that have been paid toward the that originated in Israel, Jamaica, the claim. • Expenses reimbursable by Your insurer, Republic of Ireland, or Northern Ireland employer, or employer’s insurance Submit all of the above documents from the rental *Not applicable to residents in certain states • Theft or damage due to intentional acts, company, along with the following documents, to the Benefit Administrator: or due to the driver(s) being under the Filing a claim influence of alcohol, intoxicants, or drugs, • The completed and signed Auto Rental or due to contraband, or illegal activities It is Your responsibility as a cardholder to make Collision Damage Waiver claim form every effort to protect Your Rental Vehicle from • Wear and tear, gradual deterioration, or (Important: This must be postmarked damage or theft. If You have an accident, or Your mechanical breakdown within ninety (90) days* of the theft or Rental Vehicle has been stolen, immediately call damage date, even if all other required • Items not installed by the original the Benefit Administrator at 1-800-348-8472 documentation is not yet available – or manufacturer to report the incident, regardless of whether Your Your claim may be denied). • Damage due to off-road operation of the liability has been established. Outside the United Rental Vehicle States, call collect at 1-804-673-1164. • A copy of Your monthly billing statement (showing the last four [4] digits of the • Theft or damage due to hostility of any You should report the theft or damage as soon as Account number) demonstrating that the kind (including, but not limited to, war, possible but no later than forty-five (45) days entire rental transaction was made on Your invasion, rebellion, insurrection, or terrorist from the date of the incident. eligible Account. activities) • If the rental was for personal use, a • Confiscation by authorities The Benefit Administrator reserves the right to deny any claim containing charges that would not statement from Your insurance carrier • Vehicles that do not meet the definition of have been included, if notification occurred before (and/or Your employer or employer’s covered vehicles the expenses were incurred. Thus, it’s in Your insurance carrier, if applicable), or other • Rental periods that either exceed, or best interest to notify the Benefit Administrator reimbursement showing the costs for which are intended to exceed thirty-one (31) immediately after an incident. Reporting to any You are responsible, and any amounts consecutive days other person will not fulfill this obligation. that have been paid toward the claim. Or, if You have no applicable insurance or • Leases and mini leases What You must submit to file a claim reimbursement, a statement of no insurance • Theft or damage as a result of the or reimbursement is required. authorized driver’s and/or cardholder’s lack At the time of the theft or damage, or when You • If the rental was for personal use, a of reasonable care in protecting the Rental return the Rental Vehicle, ask Your car rental copy of Your primary insurance policy’s Vehicle before and/or after the damage or company for the following documents: Declarations Page (if applicable), to theft occurs (for example, leaving the car confirm Your deductible (This means the • A copy of the accident report form running and unattended) document(s) in Your insurance policy that

Numerica Credit Union Visa Business Platinum Benefits PAGE | 5 lists names, coverages, limits, effective Vehicle from a rental car agency which describes in Benefits have been complied with fully. dates, and deductibles). full all of the terms and conditions of the rental, as • This benefit is provided to eligible • Any other documentation required by the well as the responsibilities of all parties under the cardholders at no additional cost. The Benefit Administrator to substantiate the contract. terms and conditions contained in this claim. Rental Vehicle means a land motor vehicle Guide to Benefits may be modified by Finally, please note that all remaining documents with four or more wheels as described in the subsequent endorsements. Modifications to must be postmarked within three hundred and participating organization’s disclosure statement the terms and conditions may be provided sixty-five (365) days* of the theft or damage date or which the eligible renter has rented for the period of via additional Guide to Benefits mailings, Your claim may be denied. time shown on the Rental Car Agreement and does statement inserts, statement messages not have a manufacturer’s suggested retail price or electronic notification. The benefits *Not applicable to residents of certain states. exceeding the amount shown on the participating described in this Guide to Benefits will not organization’s disclosure statement apply to cardholders whose Accounts have For faster filing, or to learn more about been suspended or cancelled. Auto Rental Collision Damage Waiver, visit You or Your means an Eligible Person who uses • Termination dates may vary by financial www.eclaimsline.com their eligible card to initiate and complete the rental institutions. Your financial institution car transaction. can cancel or non-renew the benefits for Finalizing Your claim cardholders, and if they do, they will notify Additional provisions for Auto Rental You at least thirty (30) days in advance. Your claim will typically be finalized within Collision Damage Waiver fifteen (15) days, after the Benefit Administrator Indemnity Insurance Company of North has received all the documentation needed to • Signed or pinned transactions are covered America (“Provider”) is the underwriter of substantiate Your claim. as long as You use Your eligible Account to these benefits and is solely responsible for secure the transaction. its administration and claims. The Benefit Transference of claims Administrator provides services on behalf of • You shall do all things reasonable to avoid the Provider. Once Your claim has been paid, all Your rights or diminish any loss covered by this benefit. • After the Benefit Administrator has paid and remedies against any party in regard to This provision will not be unreasonably Your claim, all Your rights and remedies this theft or damage will be transferred to the applied to avoid claims. against any party in respect of this claim will Benefit Administrator, to the extent of the cost of • If You make any claim knowing it to be false be transferred to the Benefit Administrator payment made to You. You must give the Benefit or fraudulent in any respect, no coverage to the extent of the payment made to You. Administrator all assistance as may reasonably be shall exist for such claim, and Your benefit You must give the Benefit Administrator all required to secure all rights and remedies. may be cancelled. Each cardholder agrees assistance as may reasonably be required to that representations regarding claims will secure all rights and remedies. Definitions be accurate and complete. Any and all relevant provisions shall be void in any • This benefit does not apply to the extent Account means Your credit or debit card Accounts. case of fraud, intentional concealment, or that trade or economic sanctions or other misrepresentation of material fact. laws or regulations prohibit the provision of Actual Cash Value means the amount a Rental insurance, including, but not limited to, the Vehicle is determined to be worth based on its • No legal action for a claim may be brought payment of claims. market value, age and condition at the time of loss. against the Provider until sixty (60) days after the Provider receives Proof of Loss. FORM #BCDW01 – 2017 (04/17) ARCDW-B Eligible Person means a cardholder who pays for No legal action against the Provider may For more information about the benefit their auto rental by using their eligible Account. be brought more than two (2) years after described in this guide, call the Benefit Rental Car Agreement means the entire contract the time for giving Proof of Loss. Further, Administrator at 1-800-348-8472, or call an eligible renter receives when renting a Rental no legal action may be brought against the collect outside the U.S. at 1-804-673-1164. Provider unless all the terms of the Guide to

Numerica Credit Union Visa Business Platinum Benefits PAGE | 6 with Your covered Account and/or rewards program • Real estate and items intended for real associated with Your covered Account. estate, including hard-wired and hard- Purchase Security / plumbed items, garage doors and openers, Extended Protection Purchase Security does not cover ceiling fans, among other items • Animals and living plants • Rented and leased items • Antiques or collectible items • Traveler’s checks, cash, tickets, credit Purchase Security or debit cards, among other negotiable • Boats, aircraft, automobiles, and any purchased instruments other motorized vehicles and their motors, Life is full of surprises…some good surprises; and equipment, or accessories, including trailers • Items used or pre-owned (Refurbished some, not so good. and other items towable or attachable to any items will not be considered used or motorized vehicle pre-owned as long as accompanied by a For instance, Your son’s brand new iPad got soaked, warranty) in a sudden rainstorm at summer camp. But, • Broken items, unless the result of a covered You bought the item with Your card so, You may occurrence Filing a Purchase Security claim be covered. Purchase Security protects new retail • Computer software Call the Benefit Administrator at 1-800- purchases made with Your eligible Account and/ 848-1943, or call collect outside the U.S. at or rewards program associated with Your covered • Items purchased for resale 1-303-967-1096, within sixty (60) days of the Account within the first ninety (90) days from the • Items that are lost, or that “mysteriously damage or theft (if You wait longer, coverage date of purchase. To be eligible for this coverage, disappear,” meaning they vanished in an may be denied). The Benefit Administrator You need to purchase either a portion or the entire unexplained manner, with no evidence of will ask for some preliminary claim information, cost of the item using Your Account. wrongdoing by one person or several answer Your questions and send You a claim form. • At the Benefit Administrator’s discretion, this Items under the control and care of a When You submit Your claim, be sure to include benefit replaces, repairs, or reimburses You, up to common carrier (including the U.S. Postal all information regarding Your claim including the the total purchase price of Your item for a maximum Service, airplanes, or a delivery service) time, place, cause and the amount to either replace of ten thousand dollars ($10,000.00) per claim and • Items in Your baggage (unless hand carried, or repair the item. fifty thousand dollars ($50,000.00), per cardholder, or under Your supervision or that of a If You have insurance (homeowner’s, renter’s, car, in the event of theft or damage. companion You know); includes jewelry and employer or any other), You are required to file a watches, among other things You are eligible for this benefit if You are a claim with Your insurance company and to submit • Theft or damage stemming from abuse, cardholder of an eligible card issued in the United a copy of any claim settlement from Your insurance fraud, hostilities (war, invasion, rebellion, States. company along with Your claim form. Purchase insurrection, terrorist activities, and more); Security provides coverage on an “excess” coverage Gifts purchased for friends and family members confiscation by authorities (if contraband basis, meaning it does not duplicate coverage, may also be covered if they are purchased with or illegal); normal wear and tear; flood, but pays for a loss only after valid and collectible Your covered Account and/or rewards program earthquake, radioactive contamination; insurance or indemnity (including, but not limited associated with Your covered Account. damage from inherent product defects to, homeowner’s, renter’s, automobile, or employer’s • Theft or damage from misdelivery, or insurance policies) has been exhausted. At that Purchase Security covers voluntarily parting with property point, Purchase Security will cover the loss up to the amount charged to Your eligible Account, subject to • Eligible items of property purchased with Your Medical equipment the terms, exclusions, and limits of liability of the Account and/or rewards program associated with • Perishable or consumable items, including benefit. Your covered Account are covered for theft or cosmetics, perfumes, rechargeable batteries, damage. Purchases made outside the United States among others This benefit also pays for the outstanding deductible are also covered as long as You purchased the item portion of Your insurance or indemnity for eligible

Numerica Credit Union Visa Business Platinum Benefits PAGE | 7 claims. The maximum total limit of liability is up invoice for the repairs, indicating the type of will only be reimbursed up to the dollar to ten thousand dollars ($10,000.00) per claim damage to the claimed item (if applicable) amount to replace or repair the item or the occurrence and fifty thousand dollars ($50,000.00) • Copy of the police report (made within program limit, whichever is less. Under per cardholder. You will receive no more than the forty-eight (48) hours of the normal circumstances, reimbursement will

purchase price as recorded on the eligible card occurrence in the case of theft), fire take place within five (5) business days. receipt. report or incident report to substantiate the loss. If the loss was not reported, please When a protected item is part of a pair or set, You provide a replacement receipt or other will receive no more than the value (as described Extended Warranty Protection sufficient proof of loss deemed eligible above) of the particular part or parts, stolen or solely by Your Benefits Specialist (if damaged, regardless of any special value that applicable) Product warranties can be inconvenient and item may have as part of such a pair or set, and no cumbersome to use. more than the proportionate part of an aggregate • Any other documents necessary to substantiate Your claim purchase price of such pair or set. Let’s say You purchased a great gadget about a year In some cases of damage, You will be asked to ago, but it just stopped working, and You can’t find For faster filing, or to learn more about send, at Your expense, the damaged item along Your sales receipt and warranty information. For Purchase Security, visit with Your claim in order to substantiate the claim, all too common situations like these, Extended www.cardbenefitservices.com so make sure to keep the damaged item in Your Warranty Protection can help. possession. Gift recipients may file their own claims, if they have Extended Warranty Protection provides You with the necessary substantiating documents. PLEASE NOTE: Your maximum recovery under the valuable features that help You manage, use and Purchase Security Benefit is the purchase price of Please submit the following documents: extend the warranties for eligible items purchased the item, not to exceed the coverage limit. on Your covered Account and/or rewards programs associated with Your covered Account. Services • Your signed and completed claim form Please return Your signed and completed include Warranty Registration and Extended • A copy of Your monthly billing statement form with all documentation within ninety Protection. You are eligible for this benefit if You (showing the last four [4] digits of the (90) days of the date of theft or damage. are a cardholder of an eligible card issued in the Account number) demonstrating that United States and the purchase was made on Your eligible How will I be reimbursed? Account and/or rewards programs Once You’ve met the conditions of this benefit, the You purchase either a portion or the entire cost associated with Your covered Account Benefit Administrator will resolve Your claim in one of the item using Your Account and/or rewards • If more than one method of payment was of two ways: program associated with Your covered Account. used, please provide documentation as to additional currency, voucher, points or any • A damaged item may be repaired, rebuilt, Here’s how Warranty Registration works other payment method utilized or replaced, while a stolen item will be replaced. Typically, You will receive notice When You purchase an eligible item that carries • A copy of the itemized store receipt about this decision within fifteen (15) days a manufacturer’s warranty, You can register Your demonstrating that the purchase was made upon receipt of Your claim documentation. purchase by calling 1-800-848-1943 or call on Your eligible Account and/or rewards collect outside the U.S. at 1-303-967-1096. program associated with Your covered • You may receive payment to replace Your You can also register Your purchase online at www. Account item, an amount not more than the original cardbenefitservices.com. • Copy of the documentation of any other purchase price, less shipping and handling settlement of the loss (if applicable) charges, up to ten thousand dollars The Benefit Administrator will tell You where ($10,000.00) per claim and fifty thousand to send Your item’s sales receipt and warranty • If the item is repairable, the estimate dollars ($50,000.00) per cardholder. You information, so they can be kept on file should You of repair OR a copy of the paid receipt/ need them. Numerica Credit Union Visa Business Platinum Benefits PAGE | 8 If You choose not to register Your item, be sure warranty, as supplied by the original • A copy of Your monthly billing statement to keep Your monthly billing statement reflecting manufacturer, or other eligible warranty (showing the last four [4] digits of the the purchase, the itemized sales receipt, the • Items purchased for resale Account number) demonstrating that original manufacturer’s written U.S. warranty the purchase was made on Your eligible and any additional warranty in a safe place. These • Real estate and items which are intended Account and/or rewards program associated documents will be required to verify Your claim. to become part of real estate including, but with Your covered Account not limited to, items that are hard-wired or • Here’s how Extended Protection works hard-plumbed, garage doors, garage door If more than one method of payment was openers, and ceiling fans used, please provide documentation as to Your warranty coverage can be doubled up to one additional currency, voucher, points or any • Rented or leased items (1) additional year on eligible warranties of three other payment method utilized (3) years or less. For example, a manufacturer’s • Computer software • A copy of the itemized sales receipt warranty of three (3) months would be provided • Medical equipment • A copy of the original manufacturer’s with an additional three (3) months of coverage for • written U.S. warranty, and any other a combined total of six (6) months of coverage, and Used or pre-owned items (Refurbished applicable warranty a warranty for six (6) months would be provided items will be covered as long as it has with an additional six (6) months of coverage for a a warranty with it and would not be • A description of the item and its serial combined total of twelve (12) months of coverage. considered used or pre-owned) number, and any other documentation However, if the manufacturer’s warranty is for Filing an Extended Protection claim deemed necessary to substantiate Your three (3) years, it would only be extended one (1) claim (this includes bills and, if necessary, additional year. To file a claim, call the Benefit Administrator at a copy of the maintenance record and 1-800-848-1943 (or call collect outside the receipts) This benefit is limited to no more than the original U.S., at 1-303-967-1096), immediately after the • The original repair estimate or repair bill, price of the purchased item (as shown on Your failure of Your covered item. Please note that if indicating cause of failure You do not notify the Benefit Administrator Any other documentation deemed necessary credit card receipt), less shipping and handling within sixty (60) days of product failure, by the Benefit Administrator to substantiate fees, up to a maximum of ten thousand dollars Your claim may be denied. ($10,000.00) per claim, and fifty thousand dollars the claim ($50,000.00) per cardholder. The Benefit Administrator will request preliminary All claims must be fully substantiated. claim information, direct You to the appropriate The benefit covers purchases made both inside repair facility, and send You the claim form. Gift For faster filing, or to learn more about and outside the U.S. The eligible item must have a recipients of eligible items are also covered, but Extended Warranty Protection, visit valid original manufacturer’s U.S. repair warranty they must provide all the documents needed to www.cardbenefitservices.com of three (3) years or less, store-purchased dealer substantiate their claim. warranty, or an assembler warranty. How will I be reimbursed? If You received or purchased a service contract or an What Extended Protection does not cover extended warranty when You purchased Your item, If You have substantiated Your claim and met this benefit will be supplemental to, and in excess of, the terms and conditions of the benefit, Your • Boats, automobiles, aircraft, and any that coverage. item will be replaced or repaired at the Benefit other motorized vehicles and their motors, Administrator’s discretion, but for no more equipment, or accessories, including trailers What You must submit to file a claim than the original purchase price of the covered and other items that can be towed by or item, as recorded on Your credit card receipt, less attached to any motorized vehicle Fill out and sign the claim form the Benefit shipping and handling fees, up to a maximum of Administrator sent You, then submit the form • Any costs other than those specifically ten thousand dollars ($10,000.00) per claim, and within ninety (90) days of the product failure, covered under the terms of the original a maximum of fifty thousand dollars ($50,000.00) along with the following documents: manufacturer’s written U.S. repair per cardholder. You will only be reimbursed

Numerica Credit Union Visa Business Platinum Benefits PAGE | 9 up to the amount charged to Your Account relevant provisions shall be void in any • This benefit does not apply to the extent or the program limit, whichever is less. Under case of fraud, intentional concealment, or that trade or economic sanctions or other normal circumstances, reimbursement will occur misrepresentation of material fact. laws or regulations prohibit the provision of within five (5) business days of the receipt and • No legal action for a claim may be brought insurance, including, but not limited to, the approval of all required documents. against the Provider until sixty (60) days payment of claims. after the Provider receives Proof of Loss. If Your item is to be repaired, or You may go to No legal action against the Provider may an authorized repair facility and file a claim for FORM #PSEPBUSINESSv1 – 2017 (04/17) PSEP-B be brought more than two (2) years after reimbursement. Only valid and reasonable repairs the time for giving Proof of Loss. Further, made at the manufacturer’s authorized repair no legal action may be brought against the facility are covered. For more information about the benefit Provider unless all the terms of the Guide to described in this guide, call the Benefit In either case, the Benefit Administrator’s payment, Benefits have been complied with fully. Administrator at 1-800-848-1943, or call replacement, or repair made in good faith will fulfill • This benefit is provided to eligible collect outside the U.S. at 1-303-967-1096. the obligation under this benefit. cardholders at no additional cost. The terms and conditions contained in this Definitions Guide to Benefits may be modified by subsequent endorsements. Modifications to Account means Your credit or debit card Accounts. the terms and conditions may be provided Your Guide to Benefit describes the benefit via additional Guide to Benefits mailings, in effect as of 4/1/17. Benefit information Eligible Person means a cardholder who pays for in this guide replaces any prior benefit their purchase by using their eligible Account and/ statement inserts, statement messages or electronic notification. The benefits information you may have received. Please or rewards program associated with their covered read and retain for your records. Your described in this Guide will not apply to Account. eligibility is determined by your financial cardholders whose Accounts have been institution. You or Your means an Eligible Person who suspended or cancelled. purchase their item to their eligible Account and/or • Termination dates may vary by financial with rewards program associated with their covered institutions. Your financial institution Travel Accident Insurance Account. can cancel or non-renew the benefits for cardholders, and if they do, they will notify Additional provisions for Purchase Security Description of Coverage You at least thirty (30) days in advance. and Extended Protection Indemnity Insurance Company of North • Signed or pinned transactions are covered America (“Provider”) is the underwriter of Principal Sum: $ 400,000 as long as You use Your eligible card to these benefits and is solely responsible for THIS IS AN ACCIDENTAL DEATH AND secure the transaction. its administration and claims. The Benefit Administrator provides services on behalf of DISMEMBERMENT ONLY POLICY AND • You shall do all things reasonable to avoid the Provider. DOES NOT PAY BENEFITS FOR LOSS FROM or diminish any loss covered by this benefit. • SICKNESS This provision will not be unreasonably After the Benefit Administrator has paid applied to avoid claims. Your claim, all Your rights and remedies This Description of Coverage is provided against any party in respect of this claim will to all eligible Visa Business Platinum • If You make any claim knowing it to be false be transferred to the Benefit Administrator or fraudulent in any respect, no coverage cardholders and replaces any and all to the extent of the payment made to You. Descriptions of Coverage previously issued shall exist for such claim, and Your benefit You must give the Benefit Administrator all may be cancelled. Each cardholder agrees to the insured with respect to insurance assistance as may reasonably be required to described herein. that representations regarding claims will secure all rights and remedies. be accurate and complete. Any and all

Numerica Credit Union Visa Business Platinum Benefits PAGE | 10 Eligibility and Period of Coverage Sight of one eye...... 50% travel immediately precedes departure to or follows arrival at the destination designated on the ticket As a Visa Business Platinum cardholder, you are Speech or hearing ...... 50% purchased for the Covered Trip. covered beginning on 4/1/17 or the date your credit card is issued, whichever is later. Thumb and index finger on the same hand ...... 25% Common Carrier means any scheduled airline, land, or water conveyance licensed for * You and your dependents become covered In no event will multiple charge cards obligate the transportation of passengers for hire. automatically when the entire Common Carrier fare Insurance Company in excess of the stated benefit is charged to your covered Visa Business Platinum for any one Loss sustained by a Covered Person as Exclusions: No payment will be made for any card account (“Covered Person”). It is not necessary a result of any one accident. The maximum amount Loss that occurs in connection with, or is the result to notify the financial institution, the Insurance payable for all Losses due to the same accident is the of: (a) suicide, attempted suicide, or intentionally Company, or the Plan Administrator when tickets Principal Sum. self-inflicted injury; (b) any sickness or disease; (c) are purchased. Coverage ends when the policy is travel or flight on any kind of aircraft or Common terminated. Definitions Carrier except as a fare-paying passenger in an aircraft or on a Common Carrier operated on a * Loss means actual severance through or above Your spouse, unmarried dependent child(ren), regular schedule for passenger service over an the wrist or ankle joints with regard to hands and under age 19 (25 if a full-time student). No age limit established route; or (d) war or act of war, whether feet; entire and irrevocable loss of sight, speech for incapacitated child. Incapacitated child means declared or undeclared. a child incapable of self-sustaining employment by or hearing; actual severance through or above the reason of mental retardation or physical handicap, metacarpophalangeal joints with regard to thumb Beneficiary: Benefit for Loss of life is payable and chiefly dependent on you for support and and index fingers. The life benefit provides coverage to your estate, or to the beneficiary designated in maintenance. Dependent child(ren) receive fifty in the event of a Covered Person’s death. If a writing by you. All other benefits are payable to you. percent (50%) of your benefit amount. Covered Person’s body has not been found within one (1) year of disappearance, stranding, sinking, Notice of Claim: Written notice of claim, Benefits or wreckage of any Common Carrier in which the including your name and reference to Visa Covered Person was covered as a passenger, then Business Platinum should be mailed to the Plan Subject to the terms and conditions, if a Covered it shall be presumed, subject to all other provisions Administrator within twenty (20) days of a covered Person’s accidental bodily Injury occurs while on and conditions of this coverage, the Covered Person Loss or as soon as reasonably possible. The Plan a Covered Trip and results in any of the following suffered loss of life. Administrator will send the claimant forms for filing Losses within one (1) year after the date of the proof of Loss. accident, the Insurance Company will pay the Injury means bodily injury or injuries, sustained following percentage of the Principal Sum for by the insured person which are the direct cause The Cost: This travel insurance is purchased for accidental Loss of: of Loss, independent of disease cause of Loss, you by your financial institution. independent of disease or bodily infirmity, and Life ...... 100% occurring while the Covered Person is covered under Description of Coverage: This description this policy, while the insurance is in force. of coverage details material facts about a Travel Both hands or both feet ...... 100% Accident Insurance Policy which has been Covered Trip means a trip (a) while the Covered established for you and is underwritten by Virginia Sight of both eyes...... 100% Person is riding on a Common Carrier as a Surety Company, Inc. Please read this description passenger and not as a pilot, operator, or crew One hand and one foot ...... 100% carefully. All provisions of the plan are in the master member and (b) charged to your Visa Business policy form number, VSC-VCC-01 (2/00). Any Speech and hearing ...... 100% Platinum card; and (c) that begins and ends at difference between the policy and this description the places designated on the ticket purchased for will be settled according to the provisions of the One hand or one foot and the sight of one eye 100% the trip. Covered Trip will also include travel on a policy. Common Carrier (excluding aircraft), directly to, One hand or one foot...... 50% from, or at any Common Carrier terminal, which Questions: Answers to specific questions can be

Numerica Credit Union Visa Business Platinum Benefits PAGE | 11 obtained by writing to the Plan Administrator: relating thereto. No person or entity other than Your Guide to Benefit describes the benefit the accountholder shall have any legal or equitable in effect as of 4/1/17. Benefit information right, remedy, or claim for insurance proceeds and/ in this guide replaces any prior benefit cbsi Card Benefit Services or damages under or arising out of this coverage. information You may have received. Please 550 Mamaroneck Avenue, Suite 309 read and retain for Your records. Your Harrison, NY 10528 No action at law or in equity shall be brought to eligibility is determined by Your financial recover on this coverage prior to the expiration institution. Underwritten by: of sixty (60) days after proof of Loss has been Virginia Surety Company, Inc. furnished in accordance with the requirements of 175 West Jackson Blvd. this Description of Coverage. Chicago, IL 60604 Trip Cancellation/ The Company, at its expense, has the right to have Additional Provisions for Travel Accident you examined as often as reasonably necessary while Trip Interruption ($2,000) Insurance a claim is pending. The Company may also have an autopsy made unless prohibited by law. Travel Accident Insurance is provided under a Sometimes the unexpected happens and Your travel master policy of insurance issued by Virginia Surety State Amendments arrangements don’t go as planned. Company, Inc. (herein referred to as Company). We reserve the right to change the benefits and features For Illinois Residents Only: The following You’ve done a great job preparing for Your Trip. of all these programs. statement is added: If a Covered Person recovers Your flights have been booked, You confirmed expenses for sickness or injury that occurred due Your reservation with Your hotel and You even The financial institution or the Company can cancel to the negligence of a third party, the Company has rented a car so You can sightsee. But what if You or choose not to renew the Insurance coverages the right to first reimbursement for all benefits the have to cancel Your trip because of the death of an for all Insureds. If this happens, the financial Company paid from any and all damages collected Immediate Family Member? What if the airline You institution will notify the accountholder at least from the negligent third party for those same booked Your flight through declares bankruptcy? 30 days in advance of the expiration of the policy. expenses whether by action at law, settlement, or Fortunately, Trip Cancellation and Interruption Such notices need not be given if substantially compromise, by the Covered Person, the Covered benefits are available to help You with these similar replacement coverage takes effect without Person’s parents if the Covered Person is a minor, unforeseen circumstances that could disrupt Your interruption and is provided by the same insurer. or the Covered Person’s legal representative as a travel plans. Insurance benefits will still apply to Covered Trips result of that sickness or injury. You are required to commenced prior to the date of such cancellation furnish any information or assistance, or provide Trip Cancellation and Interruption benefits pay or non-renewal, provided all other terms and any documents that we may reasonably require in up to $ 2,000 per Insured Person for the non- conditions of coverage are met. Travel Accident order to exercise our rights under this provision. refundable Common Carrier ticket(s) that You paid Insurance does not apply if your Visa Business for with Your covered Account and/or rewards Platinum privileges have been suspended or This provision applies whether or not the third party admits liability. programs associated with Your covered Account. cancelled. However, insurance benefits will still You, Your spouse (or Domestic Partner) and Your apply to Covered Trips commenced prior to the ADD (10/07) Dependent Children are eligible for coverage if date that your account is suspended or cancelled You charge the entire cost of the Trip using Your provided all other terms and conditions of coverage Account, less redeemable certificates, vouchers, or are met. coupons, or rewards program associated with Your Coverage will be void if, at any time, the covered Account. accountholder has concealed or misrepresented any material fact or circumstance concerning The Trip Cancellation or Interruption must

this coverage or the subject thereof or the be caused by or result from: accountholder’s interest herein, or in the case 1. The death, Accidental Bodily Injury, disease of any fraud or false swearing by the Insured

Numerica Credit Union Visa Business Platinum Benefits PAGE | 12 or physical illness of You or an Immediate waiting list for specified medical treatment; 550 Mamaroneck Avenue, Suite 309 Family Member of the Insured person; or or c) traveling for the purpose of obtaining Harrison, NY 10528 medical treatment; or d) traveling in the 2. Default of the Common Carrier resulting third trimester (seventh month or after) of Please return Your completed and signed from financial insolvency. pregnancy claim form and the documents listed below as soon as possible to the Plan • Suicide, attempted suicide, or intentionally The death, Accidental injury, disease or physical Administrator: illness must be verified by a Physician and must self-inflicted injuries prevent You from traveling on the trip. • Declared or undeclared war, but war does not • A copy of Your monthly billing statement include acts of terrorism or the travel itinerary (showing the last four [4] digits of the Account number) Note: Common Carriers may issue a credit vouch- • An Insured Person’s emotional trauma, confirming the Common Carrier ticket was er for the value of the unused ticket. A fee may be mental or physical illness, disease, pregnancy, purchased using the covered Account and/ associated with changing or cancelling the ticket. childbirth or miscarriage, bacterial or viral Reimbursement of fee may be eligible at time or rewards programs associated with Your of Loss. Most Common Carrier credit vouchers infection or bodily malfunctions, except covered Account. physical illness or disease which prevent expire in one year. Proof of unused credit voucher • If more than one method of payment was the Insured Person from traveling on a can be submitted for reimbursement after expi- used, please provide documentation as to ration. Payment will not exceed either the actual Covered Trip. This Exclusion does not additional currency, voucher, points or any Non-Refundable amount paid by the Insured apply to Loss resulting from an Insured other payment method utilized. Person for a Common Carrier passenger(s) fare(s), Person’s bacterial infection caused by an or up to $ 2,000. Accident or from Accidental consumption • Confirmation of the non-refundable of a substance contaminated by bacteria. amounts for the unused Common Carrier The following exclusions apply to financial tickets and/or travel vouchers services Common Carrier Trip Cancellation/ How to file a Trip Cancellation or • Confirmation that the tickets were cancelled Trip Interruption only Interruption claim with the Common Carrier Within twenty (20) days of the Trip Cancellation No Trip Cancellation or Interruption benefits will be • A copy of the travel itinerary showing the or interruption or as soon as reasonably possible, paid for Loss caused by or resulting from: passenger names and ticket cost You must provide (written) claim notice to the Plan • Confirmation of the reason for the Trip • A Pre-existing Condition Administrator. The Plan Administrator will ask You for some preliminary information and send You the Cancellation; (completed attached • Accidental Bodily Injuries arising from appropriate claim forms. Failure to give notice physician statement, confirmation of participation in interscholastic or professional within twenty (20) days will not invalidate or death of Immediate Family Member or sports events, racing or speed contests, or reduce any otherwise valid claim, if notice is documentation confirming any other cause uncertified scuba diving given as soon as reasonably possible. of Loss) • Cosmetic surgery, unless such cosmetic When the Plan Administrator receives notice of a • A copy of the cancellation or refund policies surgery is rendered necessary as a result of a claim, the Plan Administrator will send You forms of the Common Carrier, Tour Operator or Loss covered under this policy for giving proof of Loss within fifteen (15) days. If Travel Supplier • The Insured Person or an Immediate Family You do not receive the forms, You should send the Additional Travel Accident benefit Member being under the influence of drugs Plan Administrator a written description of the Loss. (except those prescribed and used as directed As a cardholder, You, Your spouse (or Domestic by a Physician) or alcohol Answers to specific questions can be obtained by Partner), and unmarried Dependent Children will writing to the Plan Administrator. To make a be automatically insured up to one thousand dollars • The Insured Person or an Immediate Family claim, please contact the Plan Administrator: Member: a) traveling against the advice ($1,000) for Accidental Loss of life, limb, sight, of a Physician; or b) traveling while on a cbsi Card Benefit Services speech, or hearing. This benefit applies while:

Numerica Credit Union Visa Business Platinum Benefits PAGE | 13 1. Riding as a passenger in or entering or arrival at the airport, coverage begins at the time the include acts of terrorism exiting any Common Carrier; or entire cost of the Common Carrier passenger fare is • An Accident occurring while You are in, 2. Riding as a passenger in, entering, or exiting purchased. entering, or exiting any aircraft while acting or any conveyance licensed to carry the public training as a pilot or crew member (does not This travel accident benefit is provided to eligible for a fee and while traveling to or from the apply if You temporarily perform pilot or crew cardholders. Your financial institution pays the airport: functions in a life-threatening emergency) cardholder’s premium as a benefit of the card a. Immediately preceding the departure of membership. How to file a Travel Accident benefit claim a Common Carrier on which the Insured Person has purchased passage; and The Loss must occur within one year of the Within twenty (20) days of the accident or as soon Accident. The Company will pay the single largest as reasonably possible, You must provide (written) b. Immediately following the arrival of a applicable Benefit Amount. In the event of multiple claim notice to the Plan Administrator. The Plan Common Carrier on which the Insured Accidental deaths per Account arising from any one Administrator will ask You for some preliminary Person was a passenger; or Accident, the Company’s liability for all such Losses information and send You the appropriate claim 3. At the airport, terminal or station, at the will be subject to a maximum limit of insurance forms. Failure to give notice within twenty

beginning or end of the Common Carrier equal to two times the Benefit Amount for Loss of (20) days will not invalidate or reduce any Covered Trip. life. Benefits will be proportionately divided among otherwise valid claim, if notice is given as soon as reasonably possible. the Insured Persons up to the maximum limit of Benefit Covered Loss insurance. Maximum When the Plan Administrator receives notice of a claim, the Plan Administrator will send You forms Accidental Loss of Life, two or more $1,000.00 The Loss of Life benefit will be paid to the for giving proof of Loss within fifteen (15) days. If Members, sight of both eyes, speech Beneficiary designated by You. If no such You do not receive the forms, You should send the and hearing or any combination designation has been made, that benefit will be paid Plan Administrator a written description of the Loss. thereof to the first surviving Beneficiary in the following Accidental Loss of one Member, sight $500.00 order: a) Your spouse, b) Your Children, c) Your Answers to specific questions can be obtained by of one eye, speech or hearing parents, d) Your brothers and sisters, e) Your estate. writing to the Plan Administrator. To make a Accidental Loss of the thumb and $250.00 All other indemnities will be paid to You. claim, please contact the Plan Administrator: index finger of the same hand The following exclusions apply to the Travel cbsi Card Benefit Services 550 Mamaroneck Avenue, Suite 309 Loss means, with respect to a hand, complete Accident benefit Harrison, NY 10528 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 Please return Your completed and signed three (3) fingers and the thumb on the same hand; • An Insured Person’s emotional trauma, claim form and the documents listed with respect to a foot, complete severance through mental or physical illness, disease, normal below as soon as possible to the Plan or above the ankle joint. The Company will consider pregnancy, normal childbirth or elective Administrator: it a Loss of hand or foot even if the fingers, thumb, abortion, bacterial or viral infection, or bodily or foot is later reattached. malfunctions. This exclusion does not apply • A copy of the police report to Loss resulting from an Insured Person’s In order to be eligible for this additional coverage, bacterial infection caused by an Accident or • A completed medical authorization form for the entire cost of the Common Carrier passenger from Accidental consumption of a substance each treating medical facility fare(s), less redeemable certificates, vouchers, or contaminated by bacteria • Copy of the certificate of death, if applicable coupons, must be charged to Your covered Account and/or rewards programs associated with Your • Suicide, attempted suicide, or intentionally • A copy of the travel itinerary self-inflicted injuries covered Account during the policy period. If the • A copy of the credit card statement reflecting purchase is not made prior to the Insured Person’s • Declared or undeclared war, but war does not the purchase, verification of the cardholder’s

Numerica Credit Union Visa Business Platinum Benefits PAGE | 14 name and the first six digits of the credit card persons or things without discrimination and for Spouse’s or Domestic Partner’s children, including number. hire. adopted children or step children; legal guardians To view the status of your claim and or wards; siblings or siblings-in-law; parents or Covered Trip means travel on a Common Carrier to securely upload documents for Trip parents-in-law; grandparents or grandchildren; when the entire cost of the passenger fare for Cancellation/Interruption and Travel aunts or uncles; nieces or nephews. such transportation, less redeemable certificates, Accident Benefit, visit vouchers, or coupons, has been purchased with Insured Person means the individual or entity to www.myclaimsagent.com an Insured Person’s covered card Account and/ whom the Policyholder has issued an Account, as Use website code: 001 or rewards programs associated with Your covered well as authorized users of the Account registered Or mail the completed and signed claim form and all Account issued by the Policyholder. with the Policyholder. Insured Person also means required documents to: the Insured Person’s Spouse or Domestic Partner Dependent Child or Children means those Claim Benefit Services and Dependent Children. Children, including adopted Children and P.O. Box 459084 those Children placed for adoption, who are Member means hand or foot. Sunrise, FL 33345 primarily dependent upon the Insured Person Pre-existing Condition means Accidental Bodily If You choose to mail Your documents, for maintenance and support, and who are: 1) Injury, disease, or illness of the Insured Person or please send a copy of Your documents and under the age of nineteen (19), and reside with the Immediate Family Member of the Insured Person retain the originals for Your records. Claim Insured Person; 2) beyond the age of nineteen (19), which occurs or manifests itself during the sixty (60) Benefit Services is unable to return any permanently mentally or physically challenged, and day period immediately prior to the purchase date submitted documents. You will be contacted incapable of self-support; or 3) under the age of of a Scheduled Airline passenger fare(s). Disease or by a claim adjuster if additional information twenty-five (25) and classified as full-time students illness has manifested itself when either: 1) medical or documentation is required. at an institution of higher learning. care or treatment has been given; or 2) there exists Definitions Domestic Partner means a person who is symptoms which would cause a reasonably prudent registered as a Domestic Partner or legal equivalent person to seek medical diagnosis, care or treatment. Accident or Accidental means a sudden, under laws of the governing jurisdiction, or who: The taking of prescription drugs or medication for unforeseen, and unexpected event which: happens 1) is at least 18 years of age and competent to enter controlled (continued) condition throughout this by chance; is independent of illness and disease and into a contract; 2) is not related to the Primary sixty (60) day period will not be considered to be a is the direct source of Loss. Insured Person by blood; 3) has exclusively lived manifestation of illness or disease. with the Primary Insured Person for at least twelve Accidental Bodily Injury means Bodily Injury, (12) consecutive months. 4) is not legally married Trip Cancellation means the cancellation of which: 1) is Accidental; 2) is the direct cause of a or separated; and 5) has with the Primary Insured Common Carrier travel arrangements when the Loss; and 3) occurs while the Insured Person is Person at least two (2) of the following financial Insured Person is prevented from traveling on insured under this policy, which is in force. arrangements: a) a joint mortgage or lease; b) a a Covered Trip on or before the Covered Trip joint bank account; c) joint title to or ownership of departure. Account means Your credit or debit card Accounts. a motor vehicle or status a joint lessee on a motor vehicle lease; or d) a joint credit card account with a Trip Interruption means the Insured Person’s Benefit Amount means the Loss amount at financial institution. Covered Trip is interrupted either on the way to the the time the entire cost of the passenger fare is Covered Trip point of departure or after the Covered purchased with an eligible Account and/or rewards Immediate Family Member means the Insured Trip departure. programs associated with Your covered Account. Person’s: 1) Spouse or Domestic Partner; 2) children including adopted children or stepchildren; 3) legal You or Yours means an Insured Person who guardians or wards; 4) siblings or siblings-in-law; purchase their trip to the Insured person’s covered Common Carrier means any licensed land, 5) parents or parents-in-law; 6) grandparents or Account and/or rewards programs associated with water or air conveyance operated by those whose grandchildren; 7) aunts or uncles; 8) nieces and the Insured Person’s covered Account. occupation or business is the transportation of nephews. Immediate Family Member also means a

Numerica Credit Union Visa Business Platinum Benefits PAGE | 15 Additional provisions for Trip Cancellation • This benefit is provided to eligible Your Guide to Benefit describes the benefit and Interruption cardholders at no additional cost. The terms in effect as of 4/1/17. Benefit information and conditions contained in this Guide to in this guide replaces any prior benefit • As a handy reference guide, please read this Benefits may be modified by subsequent information You may have received. Please and keep it in a safe place with Your other endorsements. Modifications to the terms and read and retain for Your records. Your insurance documents. conditions may be provided via additional eligibility is determined by Your financial institution. • This description of coverage is not a contract Guide to Benefits mailings, statement inserts, of insurance but is simply an informative statement messages or electronic notification. statement of the principal provisions of The benefits described in this Guide will not Lost Luggage the insurance while in effect. Complete apply to cardholders whose Accounts have provisions pertaining to this plan of insurance been suspended or cancelled. are contained in the master policy, on file Reimbursement • with the Policyholder: BNY Midwest Trust Termination dates may vary by financial Company as trustee of the Chubb Financial institutions. Your financial institution Have You ever been waiting for Your Checked Institution Group Insurance Trust for the can cancel or non-renew the benefits for Luggage to come around the belt only to find that it Account of participating financial institutions. cardholders, and if they do, they will notify has been lost by Your airline? Policy #: 6478-07-74 You at least thirty (30) days in advance. Federal Insurance Company (“Provider”) is Fortunately, Lost Luggage Reimbursement is here to • Signed or pinned transactions are covered as the underwriter of these benefits and is solely help. With Lost Luggage Reimbursement, You can long as You use Your eligible card to secure responsible for its administration and claims. be reimbursed for the difference between the “value the transaction. The Plan Administrator provides services on of the amount claimed” and the Common Carrier’s payment up to one thousand two hundred behalf of the Provider. • You shall do all things reasonable to avoid and fifty dollars ($1,250.00) per Covered Trip, or diminish any Loss covered by this benefit. • After the Plan Administrator has paid Your provided the Checked Luggage and/or its contents This provision will not be unreasonably claim, all Your rights and remedies against was lost due to theft or misdirection by the Common applied to avoid claims. any party in respect of this claim will be Carrier. “Value of the amount claimed” is the lesser of the following three amounts: the original • If You make any claim knowing it to be false transferred to the Plan Administrator to the extent of the payment made to You. You must purchase price of the item(s), the actual cash value or fraudulent in any respect, no coverage of the item(s) at the time of theft or misdirection shall exist for such claim, and Your benefit give the Plan Administrator all assistance as may reasonably be required to secure all (with appropriate deduction for depreciation), and may be cancelled. Each cardholder agrees the cost to replace the item(s). that representations regarding claims will be rights and remedies. accurate and complete. Any and all relevant • This benefit does not apply to the extent provisions shall be void in any case of fraud, that trade or economic sanctions or other You and Your Immediate Family Members are all intentional concealment, or misrepresentation laws or regulations prohibit the provision of eligible for this benefit when You take a Covered of material fact. insurance, including, but not limited to, the Trip and pay for the cost of Your Common Carrier payment of claims. tickets with Your eligible card issued in the United • No legal action for a claim may be brought States and/or rewards program associated with against the Provider until sixty (60) days after For more information about the benefit Your covered Account. To be eligible for coverage, the Provider receives Proof of Loss. No legal described in this guide, contact the Plan You must purchase a portion or the entire cost of action against the Provider may be brought Administrator. the Covered Trip with Your covered Account and/ more than two (2) years after the time for or rewards program associated with Your covered giving Proof of Loss. Further, no legal action FORM #TRCAN – 2017 (04/17) TC-O Account. Only Your Checked Luggage and/or its may be brought against the Provider unless all contents are covered. the terms of the Guide to Benefits have been complied with fully. This benefit is supplemental to and excess of

Numerica Credit Union Visa Business Platinum Benefits PAGE | 16 any collectible insurance and/or collectible insurrection) utilized reimbursement from any other source. The Benefit • Business items (items that are used in the • A copy of ticketing by the Common Administrator will refund the excess amount once purchase, sale, production, promotion, or Carrier, including but not limited to all other reimbursement has been exhausted up to distribution of goods or services including itinerary, boarding pass, or used ticket the limit of liability. but not limited to, manuals, computers and stub their accessories, software, data, facsimile, Please Note: You must take all reasonable means • A copy of any check, settlement, denial samples, collateral materials, etc.), cellular to protect, save and/or recover Your Checked or explanation of coverage issued by the telephones, or art objects Luggage and/or its contents at all times. Common Carrier together with a copy of How to file a Lost Luggage Reimbursement the Common Carrier’s completed claim What is not covered? claim form, a list of the items lost and their value, and a copy of the luggage claim Luggage Reimbursement does not apply to loss or Immediately notify the Common Carrier to begin check (if applicable) theft of the following items: their claims process if Your luggage and/or its • A copy of Your insurance policy’s contents are lost or stolen. • Automobiles, automobile accessories Declarations Page (if applicable) to and/or equipment, motorcycles, motors, Within twenty (20) days of the date Your luggage is confirm Your deductible. Declarations bicycles (except when checked with the lost or stolen, and You have notified the Common Page means the document(s) in Your Common Carrier), boats, or other vehicles Carrier and begun their claims process, call the insurance policy that lists names, or conveyances Benefit Administrator at 1-800-757-1274, or coverages, limits, effective dates and deductibles. • Contact lenses, eyeglasses, sunglasses, call collect outside the U.S. at 1-804-673- hearing aids, artificial teeth, dental bridges, 6496. The Benefit Administrator will ask You • A copy of any settlement of the loss or and prosthetic limbs for some preliminary claim information and send theft from Your primary insurance You a special claim form. If You do not notify • Any other documentation deemed • Money, securities, credit or debit cards, the Benefit Administrator within twenty necessary by the Benefit Administrator checks, and travelers’ checks (20) days of the date the luggage was lost or to substantiate the loss or theft • Tickets, documents (travel or otherwise), stolen, Your claim may be denied. keys, coins, deeds, bullion, stamps, For faster filing, or to learn more about perishables, consumables, perfume, Within ninety (90) days of the date Your luggage Lost Luggage Reimbursement visit www. cosmetics, rugs and carpets, animals, was lost or stolen, return Your claim form and the eclaimsline.com cameras, sporting equipment, and requested documentation below to the address provided by the Benefit Administrator: household furniture If You have personal insurance (i.e., homeowner’s, • Property shipped as freight or shipped prior • A copy of Your monthly billing renter’s, or other insurance applicable to the lost or stolen luggage or contents), You are required to file to Covered Trip departure date statement or the travel itinerary a claim with Your insurance company and submit (showing the last four [4] digits of • Items specifically identified or described a copy of any claim settlement along with Your the Account number) confirming the in and insured under any other insurance completed claim form. policy Common Carrier ticket was charged to the covered Account and/or rewards • Losses arising from confiscation or If the claim amount is within Your personal program associated with Your covered expropriation by any government or public insurance deductible, the Benefit Administrator Account authority or detention by customs or other may, at its discretion, deem a copy of Your personal

officials • If more than one method of payment insurance Declarations Page to be sufficient. was used, please provide documentation • Losses resulting from abuse, fraud, Transference of claims as to additional currency, voucher, hostilities of any kind (including, but not points or any other payment method limited to, war, invasion, rebellion, or After the Benefit Administrator has paid Your claim

Numerica Credit Union Visa Business Platinum Benefits PAGE | 17 of loss or theft under this reimbursement benefit, during the last twelve months: 1) has been in a • This benefit is provided to eligible all Your rights and remedies against any party in committed relationship with the cardholder; (2) cardholders at no additional cost. The respect of this loss or damage will be transferred has been the cardholder’s sole spousal equivalent; terms and conditions contained in this to the Benefit Administrator to the extent of the (3) has resided in the same household as the Guide to Benefits may be modified by payment made to You. You must give the Benefit cardholder; and (4) has been jointly responsible subsequent endorsements. Modifications to Administrator all assistance as may reasonably be with the cardholder for each other’s financial the terms and conditions may be provided required to secure all rights and remedies. obligations and who intends to continue the via additional Guide to Benefits mailings, relationship as stated above indefinitely. statement inserts, statement messages Definitions or electronic notification. The benefits You or Your means an Eligible Person or Your described in this Guide will not apply to Account means Your credit or debit card Accounts. Immediate Family Members who charged a portion cardholders whose Accounts have been of their Covered Trip to Your eligible Account and/ suspended or cancelled. Checked Luggage means suitcases or other or rewards program associated with Your covered containers specifically designed for carrying Account. • Termination dates may vary by financial personal belongings, for which a claim check has institutions. Your financial institution been issued to You by a Common Carrier. Additional provisions for Lost Luggage can cancel or non-renew the benefits for Reimbursement cardholders, and if they do, they will notify Common Carrier means any land, water, or You at least thirty (30) days in advance. air conveyance operated under a license for the • Signed or pinned transactions are covered Indemnity Insurance Company of North transportation of passengers for hire and for which as long as You use Your eligible card to America (“Provider”) is the underwriter of a ticket must be purchased prior to commencing secure the transaction. these benefits and is solely responsible for travel. Common Carrier does not include taxis, its administration and claims. The Benefit limousine services, or commuter rail or commuter • You shall do all things reasonable to avoid Administrator provides services on behalf of bus lines. or diminish any loss covered by this benefit. the Provider. This provision will not be unreasonably • Covered Trip means a trip while the Eligible applied to avoid claims. After the Benefit Administrator has paid Person is riding on a Common Carrier as a Your claim, all Your rights and remedies passenger and not as a pilot, operator or crew • If you make any claim knowing it to be false against any party in respect of this claim will member, for which the expense has been charged or fraudulent in any respect, no coverage be transferred to the Benefit Administrator to Your eligible Account and/or rewards program shall exist for such claim, and Your benefit to the extent of the payment made to You. associated with Your covered Account, and which is may be cancelled. Each cardholder agrees You must give the Benefit Administrator all not less than five (5) consecutive days but does not that representations regarding claims will assistance as may reasonably be required to exceed sixty (60) consecutive days in duration. 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 Eligible Person means a cardholder who pays for case of fraud, intentional concealment, or that trade or economic sanctions or other their Covered Trip by using their eligible Account misrepresentation of material fact. laws or regulations prohibit the provision of and/or rewards program associated with their insurance, including, but not limited to, the covered Account. • No legal action for a claim may be brought payment of claims against the Provider until sixty (60) days Immediate Family Member means Your Spouse after the Provider receives Proof of Loss. FORM #LUGOPT – 2017 (04/17) LL-1250-O or legally dependent children under age eighteen No legal action against the Provider may For more information about the benefit (18), [twenty-five (25) if enrolled as a full-time be brought more than two (2) years after described in this guide, call the Benefit the time for giving Proof of Loss. Further, student at an accredited university]. Administrator at 1-800-757-1274, or call no legal action may be brought against the collect outside the U.S. at 1-804-673-6496. Spouse includes domestic partner which is a Provider unless all the terms of the Guide to person who is at least 18 years of age and who Benefits have been complied with fully.

Numerica Credit Union Visa Business Platinum Benefits PAGE | 18 Your Guide to Benefit describes the benefit What is covered? Please submit the following documents: in effect as of 4/1/17. Benefit information in this guide replaces any prior benefit infor- Your reasonable additional expenses, such as meals • A copy of the detailed original and updated mation You may have received. Please read and lodging, may be reimbursed as long as: travel itinerary and/or the Common Carrier and retain for Your records. Your eligibility tickets is determined by Your financial institution. • A portion of the fare was purchased with an eligible Account and/or rewards program • A copy of Your monthly billing statement associated with Your covered Account (showing the last four [4] digits of the Account number) confirming the Common Trip Delay Reimbursement • Your Covered Trip was delayed for more Carrier ticket was charged to the covered than twelve (12) hours due to Covered Haz- Account. Only applicable if the travel itin- ards erary does not reflect the last 4 digits of the Having a Covered Trip delayed can mean more than Account number. just lost time; it can also create an additional cost • Your Covered Trip is for a period of travel that You weren’t expecting to pay. that does not exceed three hundred and • If more than one method of payment was Trip Delay Reimbursement covers up to sixty-five (365) days used, please provide documentation as to a maximum of three hundred ($300.00) additional currency, voucher, points or any dollars for each purchased ticket, for rea- What is not covered? other payment method utilized sonable additional expenses incurred when • Any delay due to a Covered Hazard which a Covered Trip You purchased with Your • Tickets reflecting the total amount charged was made public or made known to You eligible Account and/or rewards program for the claimed Covered Trip prior to Your departure. associated with Your covered Account is delayed for more than twelve (12) hours. • A statement from the Common Carrier • Any pre-paid expenses related to Your explaining the reason for the delay The benefit is limited to one claim per Cov- Covered Trip, such as tour or activity fees ered Trip. To be eligible for this coverage, associated with Your Covered Trip. • Copies of itemized receipts for Your claimed You need to purchase either a portion or expenses. For food expenses, receipts are the entire cost of Your Common Carrier fare How to file a Trip Delay Reimbursement required, however itemized receipts are only using Your Account. claim required for bills of fifty dollars ($50.00) or You, Your spouse and Your dependent children more per covered traveler. under twenty-two (22) years of age are automati- Within thirty (30) days of the Covered Trip delay, cally covered when You charge Your Covered Trip’s call the Benefit Administrator at 1-800-840-4735, • Any other documentation deemed necessary Common Carrier fare to Your eligible Account and/ or call collect outside the U.S. at 1-804-673- by the Benefit Administrator to substantiate or rewards program associated with Your covered 7683. The Benefit Administrator will ask You for the claim Account. some preliminary claim information and send You a claim form. Failure to contact the Benefit Administra- This benefit is supplemental coverage, tor or return the completed claim form and which means that reasonable expenses Within ninety (90) days of the date of Your Covered documentation within the time periods indi- during the delay not otherwise covered by Trip delay, return Your completed and signed claim cated above may result in the denial of Your Your Common Carrier, another party or form and the requested documentation below to the claim. Your primary personal insurance policy, following address: may be reimbursed up to a maximum of For faster filing, or to learn more about Trip three hundred dollars ($300.00) per ticket. Card Benefit Services Delay Reimbursement, visit You will be refunded the excess amount P.O. Box 72034 www.eclaimsline.com once all other reimbursement has been Richmond, VA 23255 exhausted up the limit of liability.

Numerica Credit Union Visa Business Platinum Benefits PAGE | 19 • You shall do all things reasonable to avoid the Provider. or diminish any loss covered by this bene- • After the Benefit Administrator has paid Definitions fit. This provision will not be unreasonably Your claim, all Your rights and remedies applied to avoid claims. Account means Your credit or debit card Accounts. against any party in respect of this claim will • If You make any claim knowing it to be false be transferred to the Benefit Administrator Common Carrier means any land, water, or air or fraudulent in any respect, no coverage to the extent of the payment made to You. conveyance operating for hire under a valid license shall exist for such claim, and Your benefit You must give the Benefit Administrator all for the transportation of passengers and for which may be cancelled. Each cardholder agrees assistance as may reasonably be required to a ticket must be purchased prior to commencing that representations regarding claims will secure all rights and remedies. travel. Common Carrier does not include taxis, lim- be accurate and complete. Any and all rele- • This benefit does not apply to the extent ousine services, or commuter rail or commuter bus vant provisions shall be void in any case of that trade or economic sanctions or other lines or rental vehicles. fraud, intentional concealment, or misrep- laws or regulations prohibit the provision of resentation of material fact. insurance, including, but not limited to, the Covered Trip means a period of travel that does • No legal action for a claim may be brought payment of claims. not exceed three hundred and sixty-five (365) days against the Provider until sixty (60) days away from the Eligible Person’s residence to a FORM#TRIP 12-300-2017 (04/17) TD-O after the Provider receives Proof of Loss. destination other than the Eligible Person’s city of No legal action against the Provider may For more information about the benefit residence for which the Eligible Person charges the be brought more than two (2) years after described in this guide, call the Benefit Ad- cost of transportation by Common Carrier to the the time for giving Proof of Loss. Further, ministrator at 1-800-840-4735, or call collect Account and/or rewards programs associated with no legal action may be brought against the outside the U.S. at 1-804-673-7683. the covered Account. Provider unless all the terms of the Guide to Covered Hazards means equipment failure, in- Benefits have been complied with fully. clement weather, strike and hijacking/skyjacking. • This benefit is provided to eligible card- holders at no additional cost. The terms Eligible Person means a cardholder who pays for and conditions contained in this Guide to their Covered Trip by using their eligible Account Benefits may be modified by subsequent and/or rewards programs associated with their endorsements. Modifications to the terms covered Account. and conditions may be provided via addi- tional Guide to Benefits mailings, statement Family Member means Your spouse or legally inserts, statement messages or electronic dependent children under age twenty-two (22) notification. The benefits described in this [twenty-five (25) if enrolled as a full-time student at Guide will not apply to cardholders whose an accredited university]. Accounts have been suspended or cancelled. You or Your means an Eligible Person or Your • Termination dates may vary by financial Family Members who charged their Covered Trip institutions. Your financial institution can to Your eligible Account and/or rewards programs cancel or non-renew the benefits for card- associated with Your covered Account. holders, and if they do, they will notify You at least thirty (30) days in advance. Additional provisions for Trip Delay Reim- Indemnity Insurance Company of North bursement America (“Provider”) is the underwriter of these benefits and is solely responsible for • Signed or pinned transactions are covered its administration and claims. The Benefit as long as You use Your eligible card to Administrator provides services on behalf of secure the transaction.

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