These coverages and descriptions supersede any coverages and descriptions you may have received earlier. Please read and retain for your records. Your Visa Card Guide to Benefits FOR QUESTIONS OR ASSISTANCE 24 HOURS A DAY, 365 DAYS A YEAR, CALL THE TOLL~FREE NUMBER ON THE BACK OF YOUR V!SA~ARO, OR 1~800-VISA*911", For more information about the services described in this Guide, call the customer service number on your Visa Commercial card statement. Travel & Emergency Assistance You can enjoy greater peace of 1nind thanks to a \Vi<le range of Visa cn1crgetKy services vvhich arc availahlc 24 hours a J:iy, 365 days :i year. Please undersr::ind that, due to occasional problems such as distance, location, or rin1c, neither Visa nor its scrvi..:c providers can he responsible for rhe avaibbility, use, cost, or resulrs of any n1edical, legal, transportation, or other services. Who is eligible for Travel & Emergency Assistance? You, your in1n1cJiate family men1bers, and your business associ:ttes inay dl take advantage of these special e1nergcncy services. How do I get these services? They're as dose as the nearest phone. You sin1ply call the Progra111 AdministrJ.tor at 1..SOO-VISA~9U any hour of the day or night. If you are outside the United States, call collecr ar 0-410-581-9994. Is there a charge for these services? No. Visa Travel & Erncrgency Assistance is ;ivailablc to digiblc Visa ..:ardholdcrs ar no addiriona! charge. Please note: Visa Jrauel & E1nergency Assistance 111-ovi<.les assistance and referral only. You are responsible for the cost of any actual medical, legal, trans{Jo11ation, cash advance, or other services or goods provided. What are the specific services and what do they provide? Visa Travel & Fn1crgcncy Assistance will put you in touch with the appropriate en1erge11cy services should the nc..:d Jrisr:. I-krc arc son1c of th<: \VJ.ys \Vi.'. ~-an help: • Emcrgt."111..--Y .N1cssagc Service cJ.n record and reby cniergcnLy n1css;1gcs for trJvcicrs, in11ncdiatc fon1ily n1crnbcrs, or business ass,;ciatc; . .\l()TF: \ 7isil u:i!! use reasonable efforts to relay e1nergency 1nessages in ,lLHJrJarKe u•itl.1 iJ,og1-ain guidelines ,uul liniit11tions, but cannot take responsibility for the failure to transrnit any 111essage successfitlly. • i\1cdica.! Referral Assistam.:e provides rncdical referral, rnonitoring, :.nd iollo\v-up. ·n1e ProgrJ.tn Ad111inistrJtor CJn ftivc you n.uncs of Eng_!ish~speaking locai Jocrors, dentists, .ind hospiuls; J~sign J docrur to consult by phone \Vith loc1l tncdic1l personnel, if necessary, to tnonitor your condition, keep in cont2ct \Vith your and pru\-j,Je dlntinuing !i:iison; :ind help you :irr::i.ngc n1cdic::i.l payrncnrs fron1 your Visa or personal :in:ounc N( )'J'E: All costs are your resfHJttsibility. • Legal Referral Assistance cu1 arL1ngc cnnt:ict wi[h English-srcJ.king Jtrorncys :xn..l U.S. c1T1bassics- and cnnsubrcs ti y(\ll,f(' dct:tincd by lo'-'al aurhoritics, h:ivc a car accident, or ncc<l lcgal as.<Jisr;:int:e. In addition, rhe Prograrn Adrninistr:ltor can coordinate bai! payn1cnt through a transfer of funds fron1 your Visa or personal account. The Progran1 Administrator c111 also folkJ\V up ro n1akc sure bail has been properly handled, N()"fE: _All costs are your responsibility. Transportation Assistance can help you make all the necessary arrangcn1ents for cn1ergency transportation ho111e or to the nearest 1nedical facility. This even indudes arranging ro bring your business associates ho1ne and staying in contact \Vith f:1111ily n1en1bcrs or en1ployers. In the c1se of a death, the Progran1 Ad111inistrator can make arrange1nents ro repatriate the ren1ains. N(YfE: All costs .ire your resJwnsibility. • EmLTgt.,"llCY • Emergency llckct Replacement hdps you \Vith the carrier's lost ticket rei1nbursen1cnt procedures if you should lose your ticket .1nd can arrange Jelivcry of a replaccn1cnt ticker to you. ,'l\i()TE: All costs are your responsibility. • Lost Luggage Locator Service can hdp ynu through the con1n1on carrier's cbin1 procedures or can arrange ship1ntnt of repbceinenr iterns if ;:in airline or co111n1011 c:i.rricr loses your checked luggage. The Prograrn Adtninistrator can also arrange a cash advance \Vith your Visa issuing bank. Howet'l'r, you are responsible for the cost of 1111y re/Jlacentent items shipped to you. • Emergency lfanslarion Service provides telephone assist::i.ncc in :1!1 n1ajor languages J.nJ hdps fin<l loctl interpreters, if av:ii!able, \Vhcn you need n1orc extensive assistance. ,'l\i()TF: All costs are your resf)(JJtSibility. • Prcscriprion Assistance and Valuable Docuinent Ddivcry Arrangements ~·,1n you g(t prescription:. filled or rcpbced, suhjcct to local laws, :tnd c.u1 even :>rr::ingc pickup and ddivcry nf prcscriprinns filled for you :it local or ne:arby pharnucies. Ir can also help rransporr critical docurncnts \vhich you 1nay have left ar your husincss or dscYvhcrc. N(YfF: All costs are your responsibility. • Prc.:lf-:ip Assistance c:i:n give you infornu.tion on ynur destination before you !cavc-infornLuion such as AT;'\1 locarions, n:rrency c-ucs, \VCather reports, health pn::c1utions, iinr11t1ni1:iriorh, :ind required passport visas. Program Provisions fur Travel & Emergency Assfstaflce: The pmgrnm Jescntif'd T th's Guide wdf not to \i;s& c2rdhD!dus whose ao::ourns rui.-'t' ou?n sus0e1ded o ff;e li>'PS Jn<i CHKP'.:Of;S cu-.tcv->:~~1 wi tf'«s Guide e1<ry tie r<od:f!Bd Dy subsequu1t uxiosements \D the tsw;s dPG CO-Pd:h:x1s :'Uy t•S pov,ded v:a ;_iocwond Progmn Gu:oe ,--.--,:i;bngs, stilte"1t'nt '"sens, D' st3ter«?nt v+ssagF'> NOTE: In this document, "Visa card" refers to Visa Corporate, Visa Purchasing, Visa Fleet, or any combination of these products. Auto Rental Collision Damage Waiver Program What is this benefit? Visa Auto Renral Collision D:unage Waiver Progra1n ('~i\uto RenrnJ CDW Progran1'J provides-at no additional charge---<:overage on a 24-hour basis for <lainage due to ...:o!lision or thcfr up to rhc acwal cash value of rnosr rental vehicles \\'hen ecru.in terms and conditions are met. Here :tre a11swers to sorne cominonly asked questions about the progr:lnl. Who is eligible? You :ire eligible only if you are a valid cardho!der \vhose name is ernbossed on an eligible U5.-issued Visa c1rd. ()nly you anJ any ad<litionai drivers p..:rn1ittcd by the Glf rent;il agreen1enr are covered. What is covered? Visa Auto Rental (J)W Progra1n rein1burses you for the repair or rephcen1ent of covered losses to a rental vehicle while it is your responsibility Jnd while it is being use<l for business purposes. ()n!y covered vehide rental periods '\vhich neither exceed nor arc intended to exceed thirty-one (31) consecutive d1ys Jre covered. Thi~ program is primary and provides coverage up to the Jctual cash value of the vehicle as it '\Vas originally manufactured. I-1owever, if the rental is for personal reasons, this coverage is secondary to any valiJ and collectible insurance froin any other source. ,\1oi.t private passenger automobiles, minivans, and sport utility vehicles are covered, bur son1e restrictions n1ay apply. Please contact the Progra1n Adn1inistraror to inquire abuut a specific vehicle. Covered losses ::ire: • Physical tb_rn:ige and theft of the covered rcnra! vehicle. • V1lid !oss-of-use charges in1posed and subsr:tntiated by the rent:tl agency through a fleet utilization log. • Reasonable and custo111:iry towing charges, due to a covered loss, to rhc nearest qualified repair facility. What is not covered? • Any oblig.uion you assun1t: under Jny agri.."etnent. • Any violation of the car rental agrecinent or this progranl. • Injury of anyone or 1nytbing inside or outside the rental vehicle. • Loss or theft of person:t! belongings. • Persona! liability. • Expenses assn111ed, \vaived, nr p::i:id by the rental etgency or its insurer. • Cost of :iny insnrJnce or collision darnage waiver offered by or pun.:haseJ rhrough the c1r rental con1pany. • Expenses rtin1hurseJ unJer your business or ptr<.:onal Juto insurance policy. • Loss due to intentional acts. or due to the Jriver(i,) being under the influence of J.lcoho!, intoxicJnts, or drugs, or Jne to conrraband or illegal activities. • \V'e.w and tcJ.r, gradtu! Jctcrior.ition, or n1echan:cal brl·Jkdn\\'l1. • !terns 11lll in!>tallcd by the originJ.l rn,1nuf;:icrurcr. • I ,nss due to off-road operation of the rental vehide. • Loss Jue to hostility of any kind (induding, liur not !in1itcd to, \Var, invasion, rebellion, or insllrrettion). • Coniiscaiion hy Juthorities. • Vehides that do nor n1ecr the definitions of covered vehicles. • Rcnr::tl periods that either ex..-:ecd or arc intended to exceed thirty-one (31) consecutive days . • Leases and 1nini leases, • LDss or d1n1:<ge :i_s a result of the carJholder's lack of reasonable care in prorecting the rent:tl vehide before and after damage oo:.:urs (for exan1rlc, leaving rhe vehicle n1nning Jnd unattended). • Losses reported inorc than forty-five (45) days' from the dare of loss. • Losses for which a dain1 form has not been received \-Virhin ninery (90) d::i.ys· fro1n rhe dare of loss. • Losses for which all required docun1entation h::i.s not been received \virhin .i65 days fron1 the d:i_te of loss. • Losses frorn rental transactions rhar or!ginJ.reJ in Israel, Jarnaica, or rhe Republic ofirc!anJ or Northern Ircbnd. How do I activate this coverage? For coverage to be in effect, you 1nust: • Initi:ue and co1nplete the entire rental rrans:iction with your digibk Visa card, and .---Dti"cliiii thc-car:,rentaL co1npany's collision dainage w4ivcr (CD-W1;1_,DW} option, or similar provision, if ()i'fcrcd by the car rental con1pany. F!elpful hints: • Check the rental vehicle for prior da1nage before leaving the rental lot. • Review the car rental agreen1ent carefully to 1nake sure you ;:ire declining CDW.1LDW, and :tlso, to fruniliarize yourself \Vith rhe tc-rn1s and conditions nf the car rental agreement. What if the car rental company insists that I purchase the car rental company's car insurance or collision damage waiver? Call the Progr31n Ad1ninisrrator Jt 1-800-VISA-911 for hdp. If you ;:ire outside the United StJtes, call ..-:olkct at <Hl0-581-9994. When and where am I covered? ll1is coverage is available on J. 24-hour basis in the United States and niosr loreign countries. >Jo coverage is provided for 111otor vehicles rented in lsrael,Jan1aica, or the Republic of Treland or Northern Ireland Ad<lition;:i!ly, coverage is not :r.v:iibhk \vhcre prednded hy L:nv or in •:iobtion of rhe territory tern1s of rhe rental agn;emcnt, or \vhere prohibited hy inJividual :ner;,;hants. Because regulation~ vary outside the United Sratcs, \Ve reconunend you check with your car rental et)lnpany and the Progra1n Administrator before you travel to make sure your Visa Antu Rental (J)\V Program \Vill apply. Coverage is in effect \vhile rhc rent;:il vehicle rcn1:::tins in your control or in the control nf :i person pcrn1ittcJ to operate the rent:tl V('hidc in accordance w·ith the rental :igreerr1cnt benvecn you and the car renr:il con1pJny. Coverage tennin::ites \vhcn the car rental et)lnpany r<.>:::t~sun1cs control of the rental vchide. What type of coverage is this? Visa Auto Rl.'.nta! CDW Progr:::tn1 is prin1:uy nwcrc1gt. In other \Vor~ls, \vhcn your rcnol 1s prin1:1rily for busincsc; purro~cs, you clo not luvc to cbin1 payrncnt fron1 .1ny source of insurance before receiving coverJ.gc under the program. I--fowcvcr, if you are on a personal trip and you use your Visa card ro rent a covered vehide, your personal insurance would be pri1nary coverage. In this C3SC, rhe Visa Auto Rent:al CDW Progran1 \vould be secondary coverage and \Vould pay only for the outstanding dcductib!e portion or other charges not covered by your primary auroinobilc insurance poH ...y. If you do not carry persona! auron1ohilc insurance, Visa .Auto Rental CDW Progra111 coverage is prim::i.ry. What types of rental vehicles are not covered? How do I file a claim? You, the cardholder, are responsible for reporting your claim to the Program Administrator within forry-five(45) days' of the date of loss, or your claim will be denied. Notice ro any other party will nor suffice. Furthennore, we reserve the right to deny :iny dain1 that contains charges that \vou!d not b:lvc been included had the Progratn Adn1inisuator been notified before rhosc expenses were incurred. We therefore advise you to notify us irrunediately after any loss. Excluded world\-vide are: expensive, exotic, and antique autornobtles; cerrain vans; tntcks; moron.ydes, n1opeds, and n1otorhikes; lin1ousines; ::i.nd re..-:reational vehicles. Complete and sig.11 the claim fonn you rccdn: from your call to the Progr::i.1n Administrator, then n1ail the follo\ving documentation to the Program AJn1inistrator: F.xan1pks of excluded expensive or exotic aliton1obiles arc rhe Aston ~1:irtin, Bentley, Bricklin, l):lirnler, DeLorean, ExL.:1.!ibur, Fcrr:lri, Jensen, l_~1n1horghini, Lotus, Niaserari, Porsche, and Rolls Royce. Huwever, sdecred inodels of Hi\1\'X?, Jv1ercedes-Bcnz, Cadillac, and lincoln :ire covered. • The cotnpletcd and sigrn:<l Visa Auto Rental Collision Damage \V'aivc:r Progran1 Clairn Fonn. Yi:Jur completed dain1 form must be posnnarkcd \\-ithln ninety (90) days' of the loss, even if aH other required documentation is not yet available, or your claim \-vill be denied. An antique automobile is defined as any vehicle over t\-venry (20) years old or any vehicle that has nor been n1anufactured for ren ( 10) Years or n1orc. Coverage is provided for only those vans n1J.nuf::i.ctured and designed to rransport a n1~xin1u1n of eight (8) people and \-Vhich is used exdusive!y to transport people. If you have any questions regJrding a specific vehicle, ca!! the Prograrn Adn1inistraror at .1-800..VISA-911. If you are outside the United Stares, call collect at 0-410-581-9994. What do I do if I have an accident or the rental vehicle is stolen? lmn1ediatdy caU the Progran1 Adn1inistrator at .1-800.VISA-911 ro report the loss. If you arc outside the United Stares, call collect ar 0--410~581 ~9994. The Progran1 Adtninisrrator will answer any questions you or the car rental agency n1ay have and \\'ill then send you a claim form. • A copy of your receipt 1)r monthly hilling staten1ent as proof that the entire vehicle rent::il \\·as charged :i.nJ paid for \Vith your eligible Vis:l c::i.rd. • A \Vrinen confirn1arion fron1 your e1nployer that the rental \Vas pri1narily for business purposes. • If the rental was for personal use, enclose J sc1ten1ent fron1 your insurance carrier shov.ring the costs you are responsible for and any arnounts that have hccn paid to\-vard the dain1. ()r, if you have no other applicable insurance, please provide a notarized staten1ent to that effect. • A copy of the declaration page fro111 your prin1ary J.uton1obi!e in~urance carrier if the rental \Vas for personal use . Enclose all the docu1nem:s you received from the car rental cninpany: • A copy of rhe Accident Report Forni. • A copy of rhc entire auro rental agrccn1ent(s). AH daim.s musr be reported immediately following the loss, but in no event later than forty~five (45) days: following the date of the loss. Furrhern1ore, we reserve rhe right to deny any clai111 that contains charges rhat \voulJ not • l\vo (2) photographs of the dam::i.gcd vchick, have been included had tbe Progran1 Ad111inistrator been notified before those expenses \Vere incurred. We there~ fore advise you to notify us imn1eJiatcly after any loss. • Any other doci.1n1entution dee111ed necessary by the Progran1 AdministrJ.tor ro stthstantiate the da!111. What do I need from the car rental company in order to file a Visa Auto Rental CDW Program claim? ,\r the tin1.:: uf the Ztccder;t, or \Yhcn you return the rental vehicle, immedi:itely ask your c:tr rental co111pany for: • A copy of the Accident Report Fon11 and clain1 docun1enr, \Yhich should indicate rhe costs you are respon~ib!e for anJ any amounts that have been )13.iJ to\vard the cbi1n. • A copy of the initi:il an<l final c:rr rental ,1grce1ncnt(s). • A copy of the n:pair cstinL1te or itcn1i1ed ri:pair hi!L • T1-vo (2) photographs of the Jam:igcJ vehicle, i( :1vailab!e. • A copy of the repair esti1nare or iten1ized repair bill. if available. • A poli..-:c report, if ohrainablc. Fnr faster f:Hng, submit your c!aim online. It's easy, convenier'lt. and availab!e at no extra cost to eligible Visa cardhO!ders. To submit your dairn and iearn mU!e about the ViSd Auto RenWi CDVI' Progrd1P go to the Visa Auto Rental CDW Program Claim Center at www.visacom/vlsaeclaim. If you t-"Xpericncc difficulty in obtaining all rhe required documents \Vi thin ninety (90) days' of the date of loss, just submit the claim forn1 and any documentation you already have available. l'{()'ff:· All mnaining docun-wnts must he postmarked u!fthin 36S days of the date of loss. · Not app!ic-abie to residents of certain states. (Continued on next page) • A pnlice report, if obuu1:i.ble. NOTE: In this document, "Visa card" refers to Visa Corporate, Visa Purchasing, Visa Fleet, or any combination of these products. Auto Rental Collision Damage Waiver Program (Cont.) Visa Roadside Dispatch Do I have to do anything else? Usuallv not. Under normal circumstances, rhe daiin will be paid within fifteen (15} days after the Visa Auro Renea! CDW Program Ad1ninistrator ha.s received all \Vhen you're on the road for business, you can't afford to be slowed do\vn by car trouble. But 'With your U.S. Bank Commercial Card, fast, friendly help is ahvays just a phone call away. \'Vhether you have a flat,* a dead battery, or lock your keys in the car, the Visa 0 Roadside Dispatch service is there for you, 24 hours a day, seven days a week. documentation necessary to fuHy substantiate your claim. However, after the Program Administrator has paid your claim of loss, al! your rights and remedies :igainsr any party in respect of this loss \Vill he transferred to the Progran1 Adn1inistrator to the extent of the cost of the Program Administrator's payment to you. The Program Administrator shal! then be entitled at its own expense to sue in your name. Should this occur, you must give the Program Ad1ninistrator al! assistance as the Progran1 Administrator may reasonably require to secure irs righrs and remedies including the execution of all docu1ncnts necessary to enable rhe Program Administrator to bring suit in your na1ne. Program Provisions for Auto Rental CDW Program: You r>1ust make every effort that would be made by a reascnab!e and prudent person to protect the Rental Vehicle from damage or tneft. Th;s prov1s1on will not 00 applied unreasonably to avrnd claims. lf you rrIBke any claim knowing 1t to be false or fraudulent ifl any respect ;nciuding. but not limrted to, the cost of repair ser'/lces. no coverage shall ex1s! for such claim and your benef!tS may be cance1e<:1. Once you report an occt.1rrence. a claim file w111 be opened and shall remain opt;n for S•X (6) months from the date of the damage or theft. No payment will be made on a claim that 1s not wmpletely substantiated 1n the manner reQU1i"B:l by the Program Adn1m1strator w1thrn twelve (12) months of the date of damage or theft. The Visa Auto Rental CDW Program is a service provided to eiig1ble Visa cartlhoiders m accordance with the pol!cy underwritten by lndemrnty Insurance Company of North America. C0\1€rage is subject to the terms and conditions outlined and includes certain restnct1ons, limrtations, and exclus!Ons, fh1s Program Gu:de is not a policy of insurance. In the event of any conflict bet'.veen the description of covepge 1n this Gufde and the policy. the policy will govern. The pohcy 1s on fi!e at the offices of Visa U.S.A. The program described in !his Guide will not apply to Visa cardholders whose accounts have been suspended or canceled. No legal action for a cla•m may be brought against us until sixty (60) days after we receive Proof ot Loss. After the expiration of two (2) years from the time wrrtten proof of loss "'85 to be pr&ded. no action shall be brought to recover on this coverage. Further. no :egaf actrnn rnay be brought against us unless an the terms 1n this Program Guide and policy have been complied w;th fully. Th€ terms and cond1tions contained 1n th•s Program Guide may be modified by subsequent endorsement.<;. Mod1ficat1ons to the terms an-j cond1t1ons may be proVlded w'i additional Program Guide mailings, statement mserts. or statement messages. Visa and/or your F!nanc1al lnstiM1on can cancel or non-renew the coverage. and ;f we do, we will notify you at :east thirty (30) days 1n advance. if the insurer norcrenews or cancels any C0\1€rages provrded to ei1gib!e V:sa cardholders, you wil! be notified wrthifl 30-120 days before the expiration of the pol;cy. In u-,e event substantially s1m:lar coverage takes effect without mtemmt1on, f?O such notice is !16Cessary. Auto Rental CDW Prograr>1 coverage wdi still apply to vehicle rentals con1111enced prior to the date of such cancH iat1on or non-renewal provided nil other terms and conditions of coverage are riet. Safety, security, serenity. Few things are more frustrating than being delayed by car trouble. Simply call l-800-VISA-TOW il~800-847-2869) when you need assistance, and a Visa Roadside Dispatch;:" operator will in1mediarely send a local locks111ith or tow truck to the rescue. Services provided induJe towing (up to five 1niles), tire changing, ""jump-starting, lockout service, fuel delivery (cost of fuel not included), and winching - all for-just $59.95 per service call. That's a small price to pay for peace of mind Any vehicle, anytime, anywhere. \"'V'hether you're driving your car, a company car, a re1ual, a truck, a trailer, or a four-wheel drive vehicle, you're covered 24 hours a day, seven days a week.** Our coast-to-coast network of over 6,000 tffW·truck operators and locksmiths is at your service in the United States and Canada. So no matter how remote the location, you're never too far from a helping hand. No cash? No worries. You can use your U.S. Bank Commercial Card to pay for any work performed. There's no need ro carry extra cash for roadside emergencies. And there's no charge for the service unril you actually use it. Ask us for directions. Visa Roadside Dispatch can also provide a per.<,ona!ized trip-routing package for just $5.95. Accurate, easy-to-read traveling instructions and maps Jetail direct routes, scenic side trips, places of interest, and in1portant numbers for information, Don't hit the road unprepared. Cal! 1-800-VISA-TO\X' before your next trip. Visa Roadside Dispatch Summary of Tenns and Conditions CustoMers must pay service prov,der for mileage over five miles. Rates apply to non.-cornmerc1al VBh1cles only. Serv§ce providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor U.S. Bank Commercial Credit Card shall have any respof1S!bi!1ty or l1abil1ty rn conriection with the rendering ot the service. Emergency roadside assistance and towing may not be available 1n areas not regular!y traveled or mother "off road" areas not nccesscble by ordi~ary towmg veh!cies. Weether cond!tions. time of day. and availab1l1ty of serv•co may affect assistance 'espo:cses. Ybu are for a"y ro2ds:de fssistP"Cf' w towing charges Dy fac11ilies responding to your request. even if you are not with your vehicle or your vehide 1s 1he1r arnvai. Se1v1ces µrovH.fuJ by S1gndu1e !nc. !his program may be d1scont1nued at i:lfly urno w1thou1 pnor notice. Program vmd where proh1b1ted ~Must • Have mflated sµwe. vehicles e~ciuded ~cof'\f'lcrcml \Vhenever you need emergency service or answers. call the Program Administrator. 24 hours a day, 365 days a year. For ca!ls outside the United States, call collect at 0·410.-581-9994. 1-800-VISA-911 (i-800-847-2911) VISA visa.com 34075 (06!06)