Bgc10721 Sapphire Reserve 3t2q4g

Guide to Benefits Important information about your travel and purchase protection benefits

Chase Sapphire Reserve® Visa Infinite®

For questions, call 1-888-675-1461. Effective 08/26/18

BGC10721

TABLE OF CONTENTS Auto Rental Collision Damage Waiver (Auto Rental CDW)

3

Baggage Delay

7

Emergency Evacuation and Transportation 12 Emergency Medical and Dental Benefit

17

Extended Warranty Protection

20

Lost Luggage

24

Purchase Protection

29

Return Protection

33

Roadside Assistance

35

Travel Accident Insurance

37

Travel and Emergency Assistance Services

45

Trip Cancellation and Trip Interruption

47

Trip Delay Reimbursement

57

Your Guide to Benefits describes the benefit that is in effect as of 08/26/2018. Information in this guide takes the place of any prior benefit and benefit description you may have previously received. Your effective date of eligibility is determined by Chase. Please keep the guide with your information for future reference and call the Benefit if you have any questions before taking advantage of the benefit.

2

Questions? Call 1-888-675-1461

Auto Rental Collision Damage Waiver (Auto Rental CDW) Benefit Information What is Auto Rental CDW? The Auto Rental CDW benefit provides reimbursement for damage due to collision or theft of most rental vehicles up to seventy five thousand ($75,000.00) dollars. It is primary coverage which means you do not have to file a claim with any other source of insurance before you can receive coverage under this benefit.

What steps do I need to take to ensure that Auto Rental CDW is in effect when I rent a vehicle? Here’s what you need to do: 1) Initiate and complete the entire rental transaction using your card that is eligible for the benefit. 2) Decline the rental company’s collision damage waiver or similar provision if it is offered to you. The company may refer to the collision damage waiver as CDW or LDW in their contract or when speaking with you. If you accept the collision damage waiver offered by the rental company, you will not be eligible for Auto Rental CDW.

What if the auto rental company insists that I purchase its car insurance or collision damage waiver? Call the Benefit for help.

Is there anything else I should do when I’m renting a vehicle? It’s always good practice to review the rental agreement and become familiar with its and conditions. Also, make sure you decline the rental company’s CDW/LDW option as mentioned above. Check the vehicle for prior damage before leaving the rental lot. If you notice damage, report it to your rental agent before leaving the lot.

Coverage Information Who is eligible for coverage? You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”) and your name is embossed on the card. You are then covered as the primary renter of the vehicle and any additional drivers permitted to operate it under the of the rental agreement (“Authorized Person”) are also covered.

When and where am I covered? The benefit is available in the United States and most foreign countries. Coverage is not available where it is prohibited by law or by individual merchants, or is in violation of the territory of the rental agreement. Please note: Regulations vary outside the United States, so we recommend that you check with your auto rental company and Benefit before you travel to make sure your Auto Rental CDW will apply.

Outside of the U.S., call collect at 1-804-281-5772

3

This benefit is in effect while the rental vehicle remains in your control or in the control of another Authorized Person. Coverage ends when the rental company reassumes control of the vehicle.

What is covered? Auto Rental CDW reimburses you for covered losses to the rental vehicle while it is in your control or in control of another Authorized Person. The benefit only covers vehicle rental periods that do not exceed or are not intended to exceed thirty-one (31) consecutive days within or outside of your country of residence. Covered losses are: • Physical damage and/or theft of the covered rental vehicle • Valid loss-of-use charges assessed by the rental company while the damaged vehicle is being repaired and is not available for use, as substantiated in the company’s fleet utilization log • Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility. Auto Rental CDW is primary coverage and provides reimbursement up to seventy five thousand ($75,000.00) dollars. Most private enger automobiles, minivans, and sport utility vehicles are eligible for coverage, but some restrictions may apply.

What types of rental vehicles are not covered? Excluded worldwide are: antique automobiles; cargo vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles. •A n antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been manufactured for ten (10) years or more. •T his benefit is provided only for those vans manufactured and designed to transport a maximum of nine (9) people and which are used exclusively to transport people. If you have any questions about a specific vehicle, please call the Benefit .

What else is not covered? • Any obligation you assume under any other agreement • Any violation of the auto rental agreement • Confiscation by authorities • Cost of any insurance or collision damage offered or purchased through the auto rental company • Depreciation of the rental vehicle caused by loss or damage, which includes but is not limited to “diminished value” (“diminished value” is the monetary difference between a vehicle’s pre-accident retail book value and its retail book value after reasonable repairs are made as the result of an accident) • Expenses assumed, waived, or paid by the rental agency or its insurer • Expenses reimbursed under your personal auto insurance policy, your employer or your employer’s insurance • Injury of anyone or anything inside or outside of the vehicle • Items not installed by the original manufacturer • Leases and mini leases • Loss due to hostility of any kind (including but not limited to war, invasion, rebellion, or insurrection)

4


• Loss due to intentional acts or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to transportation of contraband or engagement in illegal activities • Loss due to off-road operation of the rental vehicle • Loss or damage as a result of the Cardholder’s lack of reasonable care in protecting the rental vehicle before or after damage occurs (for example, leaving the vehicle unattended and running) • Loss or theft of personal belongings • Losses for which a claim form has not been received within one hundred (100) days † from the date of the loss • Losses for which all required documentation has not been received within three hundred and sixty-five (365) days from the date of loss • Losses reported more than sixty (60) days † from the date of loss • Personal liability • Rental periods that exceed or are intended to exceed thirty-one (31) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence • Vehicles that do not meet the definitions of covered vehicles • Wear and tear, gradual deterioration, or mechanical breakdown

Claim Information What do I do if I have an accident or the rental vehicle is stolen? Call the Benefit immediately to report theft or damage, regardless of whether your liability has been established. The Benefit will answer any questions you or the rental agency may have and will then send you a claim form.

Is there a time period during which I must report any incident? It’s important to report all incidents as soon as possible following the incident. You must report the incident no later than sixty (60) days† following the date of the theft or damage. We reserve the right to deny any claim containing charges that the Benefit would not have included had it been notified of those expenses before they were incurred. It’s important that you notify us as soon as possible after any loss. You must make every reasonable effort to protect the rental vehicle from damage or theft.

How do I file a claim? Please that you, the Cardholder, are responsible for reporting your claim to the Benefit within sixty (60) days † of the date of theft or damage. If the claim is reported after this time frame, your claim may be denied. Please note that reporting the claim to another party will not fulfill your responsibility to report it to the Benefit .

What documentation do I need to provide to the Benefit ? • The completed and signed Auto Rental Collision Damage Waiver Claim Form: Your completed claim form must be postmarked within one hundred (100) days † of the date of theft or damage, even if all other required documentation is not yet available. If your claim form is not postmarked within this time frame, your claim may be denied.


5

• A copy of your receipt or monthly billing statement showing the last four (4) digits of the number indicating that the entire vehicle rental was charged to and paid for with your eligible card. Also, enclose all the documents you received from the car rental company. You should ask the rental company for these documents immediately at the time of the theft or damage or when you return the vehicle to the company: • A copy of the Accident Report Form and a copy of the demand letter which indicates the costs you are responsible for and any amounts that have been paid toward the claim. • A copy of the entire auto rental agreement(s) • A copy of the repair estimate or itemized repair bill • Two (2) photographs of the damaged vehicle, if available • A police report, if obtainable • Any other documentation deemed necessary, in the Benefit ’s sole discretion, to substantiate the claim For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com If you experience difficulty in obtaining all the required documents within one hundred (100) days † of the date of theft or damage, just submit the claim form and any documentation you have available. Note: All remaining documents not submitted with the claim form must be postmarked within three hundred and sixty-five (365) days of the date of theft or damage. †

Not applicable to residents of certain states.

Do I have to do anything else? Usually, there is nothing else you need to do. Generally, the claim will be paid within fifteen (15) days after the Auto Rental CDW Benefit has received all documentation needed to fully substantiate your claim. After the Benefit has paid your claim, all of your rights and remedies against any party regarding the theft or damage to the vehicle will be transferred to the Benefit to the extent of the cost of payment made to you. You must give the Benefit all assistance as may reasonably be required to secure these rights and remedies. Additional Provisions for Auto Rental CDW: You must make every effort that would be made by a reasonable and prudent person to protect the Rental Vehicle from damage or theft. This provision will not be applied unreasonably to avoid claims. If you make any claim knowing it to be false or fraudulent in any respect—including, but not limited to, the cost of repair services— you will not be covered for the claim and your benefits may be canceled. You and any other Authorized Person permitted to operate the vehicle under the of your rental agreement agree that all representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. After the expiration of three (3) years from the time written proof of loss was to be provided, no action shall be brought to recover on this coverage. Further, no legal action may be brought against the Provider unless all of the in this Guide to Benefits have been

6


complied with fully. This benefit is provided to you as an eligible Cardholder at no additional cost. The and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to these and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notifications. The benefits described in this Guide will not apply to Cardholders whose s have been suspended or canceled. Termination dates may vary by financial institutions. Chase can cancel or non-renew the benefit for Cardholders, and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as an eligible Cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this insurance policy and is solely responsible for its istration and claims. The Benefit provides services on behalf of the Provider. This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims. V-ARCDW (08-18) FORM # CCDW041116 con prim 75K

Baggage Delay Benefit Information What is the Baggage Delay benefit? • The Baggage Delay benefit is an insurance plan that provides reimbursement of the emergency purchase of essential items if an Insured Person’s baggage is delayed or misdirected by a Common Carrier for more than six (6) hours while on a Common Carrier Covered Trip. • The plan is automatically provided to you as a Chase Cardholder and your Immediate Family at no additional cost to you.

What is a Common Carrier Covered Trip? • It’s travel on a Common Carrier (see definitions section) when some portion of the fare for transportation has been charged to your issued by Chase Bank USA, N.A. and/or its s. • It’s also travel on a Common Carrier when free flights have been awarded from frequent flier or Rewards programs, provided that all of the miles or Rewards points were accumulated from a Rewards program sponsored by Chase Bank USA, N.A. and/or its s. The Baggage Delay benefit amount is in excess of any travel insurance purchased by the Insured Person for the same Covered Trip or indemnity or reimbursement from the airline, cruise line, railroad, station authority, or occupancy provider available to you or your Immediate Family Member.

Coverage Information Who is covered? You, the Primary Insured Person, and your Immediate Family are covered. Immediate Family Member means an individual with any of the following relationships to the Cardholder: Spouse, and parents thereof; sons and daughters, including adopted children and stepchildren, and spouses thereof; parents, including stepparents, and spouses thereof; brothers and sisters,


7

and spouses thereof; grandparents and grandchildren, and spouses thereof; aunts or uncles, and spouses thereof; nieces or nephews, and spouses thereof; and Domestic Partner and parents thereof, including domestic partners of any individual of this definition. Immediate Family Member also includes legal guardians or wards.

If I charge multiple Common Carrier fares on my for myself and Immediate Family , does this benefit apply separately to each person? Yes, each Insured Person is eligible to receive the benefit.

Are my Immediate Family covered if I am not traveling with them? Yes. The Company will pay the corresponding benefit regardless of whether you are traveling with them, as long as you have charged some portion of a Common Carrier fare for the Immediate Family (minus any redeemable frequent flyer miles, Rewards points, coupons or certificates, or other types of redeemable Rewards) to your (subject to the and conditions of this description of coverage).

What is covered? The benefit covers up to one hundred ($100.00) dollars per day for a maximum of five (5) days and is limited to emergency purchases of essential items needed as a result of the delay including but not limited to: clothing, toiletries, and charging cables for cellular telephones, however, only one (1) cellular telephone charging cable shall be covered per Baggage Delay claim.

What is not covered? Essential items not covered by Baggage Delay include, but are not limited to: 1) lenses, eyeglasses or hearing aids 2) artificial teeth, dental bridges or prosthetic devices 3) tickets, documents, money, securities, checks, travelers checks and valuable papers 4) business samples 5) jewelry and watches 6) cameras, video recorders, cellular telephones and other electronic equipment and their accessories other than charging cables for cellular telephones In addition, this insurance does not apply to: • any loss of property caused by or resulting from, directly or indirectly, the commission or attempted commission of any illegal act by you or intentional act including but not limited to any felony. •a ny loss of property occurring when 1) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any loss of property; 2) there is any other legal prohibition against providing insurance for any loss of property; or 3) in the event of a declared or undeclared War.

When does my coverage become effective? Your insurance becomes effective on the latest of the following: • the date on which you first meet the eligibility criteria as an Insured Person

8


• the date for which the for your insurance is paid by Chase Bank USA, N.A. and/or its s

When does my coverage terminate? Your insurance automatically terminates on the earliest of the following: • the termination date of the policy • the expiration of the period for which the required has been paid for you • the date on which you no longer meet the eligibility criteria as an Insured Person • the date on which the Company pays out 100% of the benefit amount

Do I need to notify anyone that I’ve booked a Common Carrier fare to obtain this insurance? No, it is not necessary for you to notify Chase Bank USA, N.A. and/or its s, the , or the Company when you purchase your tickets.

Claim Information Specific questions and request for claims forms may be submitted to the Plan at the following address: Plan Card Benefit Services P.O. Box 72034 Richmond, VA 23255

What types of documentation may be requested when a claim is submitted? Some of the documentation the Company may request includes, but is not limited to: • a completed claim form • a copy of the travel itinerary • written confirmation of the Baggage Delay from the Common Carrier • a copy of the credit card statement that shows the charge for the Common Carrier fare • a copy of the settlement or denial from the Common Carrier • copies of receipts for the purchase of essential items over twenty-five ($25.00) dollars For faster filing, or to learn more about the Baggage Delay benefit, visit www.eclaimsline.com

How long do I have to file a claim after the baggage delay occurs? You must provide a written claim notice within twenty (20) days after the occurrence or commencement of any loss covered by this policy or as soon as reasonably possible. The notice must include enough information to identify you, and Chase Bank USA, N.A. and/or its s. Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible.


9

What happens after I send a claim notice to you? • Within fifteen (15) days of the Company’s receipt of your claim notice, the Company will send you or your designee forms to complete that provides the Company with Proof of Loss. • If you or your designee does not receive the forms, please send the Company a written description of the loss. This written description should include information detailing the occurrence, type, and extent of the loss for which the claim is made.

How long do I have to provide you with Proof of Loss? You need to send the Company complete Proof of Loss within ninety (90) days from the date of loss or as soon as reasonably possible. Please note that failure to provide Proof of Loss within these time frames will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible, and in no event later than one (1) year after the ninety (90) day deadline to submit Proof of Loss, except in cases where the claimant lacks legal capacity.

How soon after I provide Proof of Loss will I receive payment for my claim? You will receive payment for your claim for all losses covered under the plan within sixty (60) days after the Company receives the complete Proof of Loss if you, Chase Bank USA, N.A. and/or its s and beneficiary, where applicable, have complied with all the of the policy.

Will the benefits be payable to me? Yes, benefits for Baggage Delay are payable to you.

Definitions – credit card s. Baggage – suitcases and the containers specifically designated for carrying personal property, and the personal property contained therein. Baggage Delay – a delay or misdirection of an Insured Person’s Baggage by a Common Carrier for more than six (6) hours from the time he or she arrives at the destination as shown on the Insured Person’s ticket. Cardholder – an individual to whom a credit card has been issued by Chase Bank USA, N.A. and/or its s. Common Carrier – any motorized land, water or air Conveyance, operated by an organization other than Chase Bank USA, N.A. and/or its s, organized and licensed for the transportation of engers for hire and operated by an employee or an individual under contract. Common Carrier Covered Trip – travel on a Common Carrier when some portion of the fare for such transportation has been charged to Your issued by Chase Bank USA, N.A. and/or its s. Common Carrier Covered Trip also means travel on a Common Carrier when free flights have been awarded from frequent flier or Rewards programs provided that all of the miles or Rewards were accumulated from a Rewards program sponsored by Chase Bank USA, N.A. and/or its s. Company – Federal Insurance Company, also referred to as We, Us,or Our. Credit Card – a payment medium that takes the form of a Credit Card, credit plate, charge plate, courtesy card or other identification card or device issued to you. You may use the Credit Card to purchase, hire, rent or lease property or services.

10


Dependent – your Dependent child, Spouse or Domestic Partner. Dependent Child – your unmarried child, dependent on you for maintenance and , under the age of 24, under the age of 25 if enrolled as a full-time student at an Institution of Higher Learning or classified as an Incapacitated Dependent Child. Domestic Partner – a person designated by you who is ed as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to you by blood; has exclusively lived with you for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with you at least 2 of the following financial arrangements: a t mortgage or lease, a t bank , t title to or ownership of a motor vehicle or status as a t lessee on a motor vehicle lease or a t Credit Card with a financial institution. Neither you nor your Domestic Partner can be married to, nor in a civil union with, anyone else. Incapacitated Dependent Child – a child who, as a result of being mentally or physically challenged, is permanently incapable of self- and permanently dependent on you for and maintenance. The incapacity must have occurred while the child was either under the age of 24 or under the age of twentyfive (25) if the child had been enrolled as a full-time student at an Institution of Higher Learning. Institution of Higher Learning – any accredited public or private college, university, professional trade or vocational school beyond the twelfth (12th) grade. Insured Person – You, as the Primary Insured Person, and Immediate Family traveling with you on a Covered Trip. Primary Insured Person – the Cardholder. Proof of Loss – written evidence acceptable to Us that an Accident, Accidental Bodily Injury or loss has occurred. Rewards – means points, miles, cash Rewards, or any other type of redeemable Rewards, provided that all Rewards have been accumulated through use of a Chase Bank USA, N.A. and/or its s sponsored Rewards program. Spouse – Your husband or wife who is recognized as such by the laws of the jurisdiction in which you reside. War – hostilities following a formal declaration of war by a governmental authority; in the absence of a formal declaration of war by a governmental authority, armed, open and continuous hostilities between two countries or armed, open and continuous hostilities between two factions, each in control of territory or claiming jurisdiction over the geographic area of hostility. General Provisions: The We, Us and Our below refer to Federal Insurance Company. The following provisions apply to the Insured Persons: Legal Actions: No legal action may be brought before sixty (60) days after written Proof of Loss has been furnished as required by the policy. No such action may be brought after three (3) years from the time written Proof of Loss is required to be furnished. Physical Examination and Autopsy: While a claim is pending We have the right, at Our expense to: 1) have the person who has a loss examined by a Physician when and as often as We feel is necessary; and 2) make an autopsy in case of death where it is not forbidden by law. Examination under Oath: We have a right to examine under oath, as often as We may reasonably require, the Insured Person or


11

the beneficiary. We may also require the Insured Person or the beneficiary to provide a signed description of the circumstances surrounding the loss and their interest in the loss. The Insured Person and the beneficiary will also produce all records and documents requested by Us and will permit Us to make copies of such records or documents. In the event of a claim under this policy, the Insured Person or the beneficiary, if applicable, must fully cooperate with Us in Our handling of the claim, including, but not limited to, the timely submission of all medical and other reports, and full cooperation with all physical examinations and autopsies that We may require. If We are sued in connection with a claim under this policy, then the Insured Person or the beneficiary must fully cooperate with Us in the handling of such suit. Chase Bank USA, N.A. and/or its s, the Insured Person or the beneficiary must not, except at their own expense, voluntarily make any payment or assume any obligation in connection with any suit without Our prior written consent. Concealment or Fraud: Insurance under the policy is void if any Insured Person has intentionally concealed or misrepresented any material fact relating to this policy before or after a loss or any Insured Person files a false report of a loss. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions Apply. As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Policy # 9907-28-44 Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, is the underwriter of this insurance policy and is solely responsible for its istration and claims.

Emergency Evacuation and Transportation Benefit Information Emergency Evacuation and Transportation benefits limit up to one hundred thousand ($100,000.00) dollars

What is Emergency Evacuation and Transportation coverage? This benefit provides emergency evacuation and transportation if You are injured or become ill during Your Covered Trip and it results in a necessary emergency evacuation. The Benefit must make the actual medical transportation arrangements. • You are eligible for the coverage when You charge a portion of the cost, or the entire cost of a Covered Trip, made via a Common Carrier, to Your . • The duration of the Covered Trip cannot be less than five (5) days or exceed sixty (60) days, and it must be in excess of one hundred (100) miles* from the primary Cardholder’s Residence. • You will be eligible to receive coverage for expenses not paid or payable by Your medical insurance or other coverage up to one hundred thousand ($100,000.00) dollars. • The evacuation must be pre-approved by the Benefit in consultation with a legally licensed Physician

12


who certified that emergency evacuation is warranted due to the severity of the injury or sickness. * Under New York laws, when a Cardholder’s mailing address is in the State of New York, the requirement that You must be one hundred (100) or more miles from the primary Cardholder’s Residence does not apply. Please note: this benefit is supplemental to and excess of any valid and collectible insurance or other coverage.

Coverage Information Who is eligible for coverage? You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”), and Your Immediate Family , when a portion or the entire cost of the Covered Trip is purchased with Your Chase credit card (“”).

What are the conditions for emergency evacuation? a) Your medical condition warrants immediate transportation from the place where You are injured or ill to the nearest Hospital where You can obtain appropriate medical treatment; or b) If, after being treated at a local Hospital, Your medical condition warrants transportation to the primary Cardholder’s Residence to obtain further medical treatment or to recover; or c) Both a) and b) above.

What expenses are covered? Covered expenses are those for transportation, medical services, and medical supplies that are necessarily incurred in connection with Your emergency evacuation. All transportation arrangements must be: a) recommended by the attending Physician; or b) r equired by the standard regulations of the conveyance transporting You; and c) a rranged and approved in advance by the Benefit . Expenses for medical services and supplies must be recommended by the attending physician.

What types of transportation may be used for an emergency evacuation? Transportation includes any land, water, or air conveyance required to transport You during an emergency evacuation. This transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. This benefit does not cover any expenses covered by another party at no cost to You or expenses already included in the cost of the scheduled Trip on which the illness or injury occurs.

What is Emergency Transportation coverage? • If You are hospitalized for more than eight (8) days, the Benefit can arrange to bring a relative or friend to Your bedside by paying the cost of any economy-class round trip ticket. • You are eligible to receive reimbursement for the cost of an economy airfare ticket if Your original ticket(s) cannot be used for Your return flight, if applicable. In addition, you are eligible to


13

receive reimbursement for the cost of an economy airfare ticket used to return an accompanying minor who is an Immediate Family Member to his/her residence, if applicable. In exchange for this service, the unused return ticket(s) must be turned over to the Benefit whenever possible, or the Benefit must be reimbursed the amount equivalent to the value of the unused ticket(s).

What is covered under Repatriation of Remains? If You die during the course of the Covered Trip, the Benefit will pay the reasonable covered expenses incurred—up to one thousand ($1,000.00) dollars — to return Your body to Your home country of Residence. Covered expenses include, but are not limited to, expenses for embalming, cremation, the coffin, and transportation.

What is not covered? These benefits do not cover any expense resulting from the following: • Travel for the purpose of obtaining medical treatment • Non-emergency services, supplies, or charges • Services, supplies, or charges rendered by Your Immediate Family Member • Care not medically necessary as determined by the Benefit • Care rendered by other than Hospitals and Physicians • Care which is experimental/investigative in nature • Care for any illness or bodily injury that occurs in the course of employment if benefits or compensation are available, in whole or in part, under the provisions of any legislation of any governmental unit. This exclusion applies whether or not You claim the benefits or compensation and whether or not You recover losses from a third party. • Payments to the extent benefits are provided by any governmental agency or unit (except Medicare). • Care for any illness or injury suffered due to self-inflicted harm; attempted suicide; mental health issues; alcoholism or substance abuse; war; military duty; civil disorder; air travel except as a enger on a licensed aircraft operated by an airline or air charter company; routine physical examinations; hearing aids; eyeglasses or lenses; routine dental care, including dentures and false teeth; hernia, unless it results from a covered accident; elective abortion; participation in a felonious act or attempt thereat; skydiving, scuba, skin, or deep sea diving; hang gliding; parachuting; rock climbing; and contests of speed. • Care received for which You would have no legal obligation to pay in the absence of this or any similar coverage. • Care received in Afghanistan, Burma, El Salvador, Iran, Iraq, Kampuchea, Laos, Lebanon, Nicaragua, North Korea, Yemen, Vietnam, and any other countries which may be determined by the U.S. Government from time to time to be unsafe for travel.

Claim Information What should I do if I have an accident/illness or any other type of loss? Call the Benefit immediately. The representative will answer any questions You have and send a special claim form to You.

14


How do I file a claim? • Complete the claim form You receive from Your call to the Benefit • Depending on the nature of the claim—Emergency Evacuation and Transportation or Repatriation of Remains—include the items requested below. • Mail all information within one hundred and eighty (180) days of the date of occurrence to the Benefit : Card Benefit Services P.O. Box 72034 Richmond, VA 23255

For Emergency Evacuation and Transportation: 1. The completed, signed claim form 2. A copy of your monthly billing statement or the travel itinerary (showing the last 4 digits of the number) confirming the Common Carrier ticket was charged to the covered 3. A copy of Your receipt, as proof that the Covered Trip was charged and paid for with Your covered (if more than one method of payment was used, documentation linking a portion of the purchase back to the covered must be included). 4. A statement from Your insurance carrier (and/or Your employer, or employer’s insurance carrier) or other coverage showing any amounts that have been paid toward the costs claimed. If You have no other applicable insurance or coverage, please provide a statement to that effect. 5. Copy of medical bills 6. C opy of transportation, medical services, and medical supply bills incurred in connection with the emergency evacuation 7. C opy of physician’s statement describing the need for emergency evacuation 8. C opy of the original unused return tickets or statement indicating the value of the original unused return tickets 9. A ny other documentation deemed necessary by the Benefit to substantiate the claim

For Repatriation of Remains: 1. The completed, signed claim form 2. A copy of Your monthly billing statement or the travel itinerary (showing the last 4 digits of the number) confirming the Common Carrier ticket was charged to the covered . 3. A copy of Your receipt, as proof that the Covered Trip was charged and paid for with Your (if more than one method of payment was used, documentation linking a portion of the purchase back to the must be included). 4. Copy of death certificate. 5. Receipts for embalming, cremation, coffin, and transportation. 6. A ny other documentation deemed necessary by the Benefit to substantiate the claim.

Definitions Covered Trip: arrangements that are made by a commercial licensed travel establishment consisting of travel agencies and/or common carrier organizations. Hospital: a facility that holds a valid license if it is required by the law; operates primarily for the care and treatment of sick


15

or injured persons as inpatients; has a staff of one or more physicians available at all times; provides 24-hour nursing service and has at least one ed professional nurse on duty or on call; has organized diagnostic and surgical facilities, either on the premises or in facilities available to the hospital on a pre-arranged basis; and is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or similar institution. Immediate Family Member: Your spouse or legally dependent children under age 18 (25 if enrolled as a full-time student at an accredited institution). Physician: a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be Yourself or a family member. Residence: Your home address as listed in the respective card issuer’s file or address reflected on Cardholder’s billing statement. The home address from the card issuer’s records will take precedence over billing statement address in determining the eligibility of coverage. You or Your: a Cardholder or Your Immediate Family who purchased their Trip via Your .

Additional Provisions for Emergency Evacuation and Transportation Coverage: You shall use due diligence and do all things reasonable to avoid or diminish any injury or illness for which coverage is provided under this benefit. This provision will not be unreasonably applied to avoid claims. If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim and Your benefit may be canceled. Each Cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact by the Cardholder. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. After the expiration of two (2) years from the time written proof of loss was to be provided, no action shall be brought to recover on this coverage. Further, no legal action may be brought against the Provider unless all the of this Guide to Benefits have been complied with fully. This benefit is provided to eligible Cardholders at no additional cost. The and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefit described in this Guide to Benefits will not apply to Cardholders whose s have been suspended or canceled. Termination dates may vary by financial institutions. Chase can cancel or non-renew the benefit for Cardholders, and if they do, they will notify You at least thirty (30) days in advance. This information is a description of the benefit provided to You as an eligible Cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this insurance policy and is solely responsible for its istration and claims. The Benefit provides services on behalf of the Provider.

16


This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims. REPAT-G-(08-18) FORM #VEVAC-100K (04/10)

Emergency Medical and Dental Benefit Benefit Information What is the Emergency Medical and Dental Benefit? • The Emergency Medical and Dental Benefit provides reimbursement for certain medical expenses incurred when Emergency Treatment for sickness or accidental injury is required during the course of a Common Carrier covered Trip. It covers only the medical expenses that are not covered by Your medical insurance and is supplemental to and in excess of any valid and collectible insurance or reimbursement. • You must receive the treatment during the course of the Trip and upon the recommendation of the attending physician.

Coverage Information Who is eligible for coverage? You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”), and Your Immediate Family when a portion or the entire cost of the Trip, is purchased with Your Chase credit card (“”). This benefit applies when You use Your to pay for a Trip via a Common Carrier that is greater than five (5) consecutive days but less than sixty (60) consecutive days, and is in excess of one hundred (100) miles* from Your place of Residence. You will be eligible to receive up to a maximum of two thousand five hundred ($2,500.00) dollars (subject to a fifty ($50.00) dollar deductible) for medical expenses not paid or payable by Your medical insurance or other reimbursement incurred as a result of Emergency Treatment of a sickness or accidental injury occurring during the course of Your Trip. * Under New York laws, when a Cardholder’s mailing address is in the State of New York, the requirement that You must be one hundred (100) or more miles from Your Residence does not apply.

What is covered? Covered Medical Expenses are necessary services and supplies that are recommended by the attending physician. They include: • The services of a legally qualified physician, surgeon, graduate nurse, dentist, or osteopath. • Charges for hospital confinement and use of operating rooms. • Charges for anesthetics (including istration), x-ray examinations or treatments, and laboratory tests. • Ambulance services. • Drugs, medicines, and therapeutic services and supplies. Benefits will not be paid in excess of the Reasonable and Customary Charges. Reasonable and Customary Charges mean charges commonly used by providers of medical care in the locality in which care is furnished.


17

Hotel Convalescence If You require hospitalization as a result of a covered accident or illness during a Trip paid for with Your : • You will be eligible to receive a daily benefit of seventy-five ($75.00) dollars, per day up to a maximum of five (5) days. • The benefit is specifically for the cost of a hotel room if the attending physician determines that immediately upon Your release from the hospital You should convalesce in a hotel before Your return home.

What is not covered? These benefits do not cover any expense resulting from the following: • Travel for the purpose of obtaining medical treatment. • Non-emergency services, supplies, or charges. • Services, supplies, or charges rendered by Your Immediate Family Member. • Care not prescribed by or performed by or upon the direction of a physician or dentist. • Care not medically necessary as determined by the Benefit . • Care rendered by other than hospitals and physicians or dentists. • Care that is experimental/investigative in nature. • Care for any illness or bodily injury that occurs in the course of employment if benefits or compensation are available, in whole or in part, under the provisions of any legislation of any governmental unit. This exclusion applies whether or not You claim the benefits or compensation and whether or not You recover losses from a third party. • Payments to the extent benefits are provided by any governmental agency or unit (except Medicare). • Care for any illness or injury suffered due to self-inflicted harm, attempted suicide, mental health issues, alcoholism or substance abuse, war, military duty, civil disorder, air travel except as a enger on a licensed aircraft operated by an airline or air charter company, routine physical examinations, hearing aids, eyeglasses or lenses, routine dental care, including dentures and false teeth; hernia, unless it results from a covered accident; elective abortion, participation in a felonious act or attempt thereat, skydiving, scuba, skin, or deep sea diving, hang gliding, parachuting, rock climbing, and contests of speed. • Care received for which You would have no legal obligation to pay in the absence of this or any similar benefit. • Care received in Afghanistan, Burma, El Salvador, Iran, Iraq, Kampuchea, Laos, Lebanon, Nicaragua, North Korea, Yemen, Vietnam, and any other countries which may be determined by the U.S. Government from time to time to be unsafe for travel.

Claim Information If I have an accident/illness or any other type of loss related to the benefit coverage, how soon do I need to the Benefit ? Immediately call the Benefit . You must notify the Benefit within ninety (90) days from the date of occurrence. The customer service representative will answer any questions You may have and send You a special claim form.

18


How do I file a claim? Complete the claim form You receive from Your call to the Benefit . Mail the following items within one hundred and eighty (180) days from the date of occurrence to the Benefit : Card Benefit Services P.O. Box 72034 Richmond, VA 23255 1. The completed and signed claim form. 2. A copy of your monthly billing statement or the travel itinerary (showing the last 4 digits of the number) confirming the Common Carrier ticket was charged to the covered . 3. A copy of Your receipt as proof that You charged and paid for a round trip ticket for the Trip via a Common Carrier with Your (if more than one method of payment was used, documentation linking a portion of the purchase back to the must be included). 4. A statement from Your insurance carrier (and/or Your employer, or employer’s insurance carrier) or any reimbursement showing any amounts they may have paid toward the claim cost. Or, if You have no other applicable insurance or reimbursement, please provide a notarized statement to that effect. 5. A copy of any other valid and collectible insurance or reimbursement available to You. 6. Receipts for expenses for which You are seeking reimbursement. 7. A ny other documentation deemed necessary by the Benefit to substantiate the claim.

Transference of Claims After the Benefit has paid Your claim under this benefit, all Your rights and remedies against any party in respect of claim will be transferred to the Benefit to the extent of the payment made to You. You must give the Benefit all assistance as may reasonably be required to secure all rights and remedies.

Definitions Common Carrier: any land, water, or air conveyance that operates under a valid license to transport engers for hire and requires purchasing a ticket before travel begins. It does not include taxis, limousine services, commuter rail or bus lines, or rental vehicles. Emergency Accident or Sickness: any injury, disease, or illness occurring suddenly and unexpectedly, that requires immediate medical treatment due to its serious and acute nature. Emergency Treatment: necessary medical treatment that must be performed immediately due to the serious and acute nature of the bodily injuries, disease, or illness. Immediate Family Member: Your spouse or legally dependent children under age 18 (25 if enrolled as a full-time student at an accredited institution). Residence: the Cardholder’s home address as listed in the respective card issuer’s file or address reflected on Cardholder’s billing statement. The home address from the card issuer’s records will take precedence over billing statement address in determining the eligibility for benefit. Trip: arrangements that are made by a commercial licensed travel establishment consisting of travel agencies and/or common carrier organizations.


19

You or Your: a Cardholder or Your Immediate Family who charged their Trip to Your . Additional Provisions for Emergency Medical/Dental Benefit: You must use due diligence and do all things reasonable to avoid or diminish any injury or illness for which coverage is provided under this benefit. This provision will not be unreasonably applied to avoid claims. If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim and Your benefits may be canceled. You agree that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. After the expiration of two (2) years from the time written proof of loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider unless all the of this Guide to Benefits have been complied with fully. This benefit is provided to eligible Cardholders at no additional cost. The and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefit described in this Guide to Benefits will not apply to Cardholders whose s have been suspended or canceled. Termination dates may vary by financial institutions. Chase can cancel or non-renew the benefit for Cardholders, and if they do, they will notify You at least thirty (30) days in advance. This information is a description of the benefit provided to You as an eligible Cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this insurance policy and is solely responsible for its istration and claims. The Benefit provides services on behalf of the Provider. This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims. MED-v (08/18) FORM #VOPTMEDDENT – 2010 (04/11)

Extended Warranty Protection Benefit Information What is Extended Warranty Protection? Extended Warranty Protection extends the time period on eligible original manufacturer’s written U.S. repair warranties by one (1) additional year on eligible warranties of three (3) years or less, up to a maximum of ten thousand ($10,000.00) dollars per claim, and a fifty thousand ($50,000.00) dollars maximum per . For example, a manufacturer’s warranty of three (3) months would be provided with an additional twelve (12) months of coverage, for a combined total of fifteen (15) months of coverage. If the manufacturer’s warranty is for three years (3), it would only be extended one (1) additional year.

20


To be eligible for coverage, you must charge some portion of the item’s purchase price to your or use reward points earned on your toward the purchase. This benefit is secondary to any applicable extended warranty you have purchased or received. Extended Warranty Protection’s registration service Although registration is not required for Extended Warranty Protection benefits, you are encouraged to consider registration to help you take full advantage of your warranties. When your warranties are ed, you have access to key information about your coverage with a single toll-free call to the Benefit . And if you send copies of your sales receipts and warranty information to the Benefit , it will be kept on file. Call the Benefit for information regarding the security of ing your purchases.

Coverage Information Who is eligible for coverage? You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”), and to whomever receives gifts purchased with your Chase credit card (“”).

What is covered? • Eligible items with a valid original manufacturer-written U.S. repair warranty of three (3) years or less • Gifts purchased with your and meet the and conditions of the benefit • Items purchased outside the United States are covered as long as they are purchased with your and the eligible item has either a valid original manufacturer-written U.S. repair warranty of three (3) years or less, a store-purchased dealer warranty, or an assembler warranty.

What items are not covered? • Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle • Any costs other than those specifically covered under the of the original manufacturer- written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty • Items purchased for resale, professional, or commercial use • Rented or leased items • Computer software • Medical equipment • Used or pre-owned items (Refurbished items will be covered as long as it has a warranty with it and would not be considered used or pre-owned)

Claim Information How do I file a claim? • Call the Benefit as soon as possible upon learning of a product failure. Please note that if you do not notify the Benefit within ninety (90) days after the product failure, your claim may be denied. • The Benefit will ask you for some preliminary claim information, direct you to the appropriate repair facility, and send you the appropriate claim form.


21

• To file a claim, you need to provide copies of your card receipt, store receipt, the original manufacturer-written U.S. warranty, and any other applicable warranty unless the purchase is ed. This claim form must be completed, signed, and returned with all the requested documentation within one hundred and twenty (120) days of the product failure. Unless otherwise noted, the date of loss shall be the date you first notified the Benefit . Gift recipients of eligible items are also covered by the claims process, if desired. However, a gift recipient must provide all the documents necessary to fully substantiate the claim.

What documents do I need to submit with my claim? • Your completed and signed claim form • A copy of Your monthly billing statement (showing the last 4 digits of the number) demonstrating that the purchase was made on your eligible • A copy of the itemized sales receipt or invoice • A copy of the original manufacturer - written U.S. warranty and any other applicable warranty • A description and serial number of the item, and any other documentation deemed necessary to substantiate your claim. This includes bills and, if necessary, a copy of the maintenance record and receipts • If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized • The original repair order • Any other documentation deemed necessary by the Benefit to substantiate the claim For faster filing, or to learn more about Extended Warranty Protection, visit www.cardbenefitservices.com Please note that all claims must be fully substantiated.

How will I be reimbursed? • Once your claim has been verified, the item will be repaired or replaced at the Benefit ’s discretion. The replacement or repair will be for no more than the original purchase price of the covered item less shipping and handling fees, up to a maximum of ten thousand ($10,000.00) dollars, as recorded on your card receipt, and fifty thousand ($50,000.00) dollars maximum per . •O nly valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered. In either case, the Benefit ’s payment, replacement, or repair made in good faith will fulfill the obligation under the benefit. • You will only be reimbursed up to the amount charged to your or the program limit, whichever is less. Additionally, any purchases made using rewards points associated with the are eligible for this benefit and you will only be reimbursed up to the dollar amount to replace or repair the item or the program limit, whichever is less. Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents.

22


Do I have to file with my insurance company? No. However, if you have purchased or received any other applicable extended warranty, this benefit is secondary to that coverage. Additional Provisions for Extended Warranty Protection: This protection provides benefits only to you, the eligible Cardholder, and to whoever receives the eligible gifts you purchase with your eligible card. You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by this benefit. This provision will not be unreasonably applied to avoid claims. If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each Cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact by the Cardholder. After the Benefit has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred to the Benefit to the extent of the payment made to you. You must give the Benefit all assistance as may reasonably be required to secure all rights and remedies. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. No legal action against the Provider may be brought more than two (2) years after the time for giving proof of loss. Further, no legal action may be brought against the Provider unless all the of the Guide to Benefit have been complied with fully. This benefit is provided to eligible Cardholders at no additional cost. The and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the and conditions may be provided via additional Guide to Benefit mailings, statement inserts, statement messages or electronic notification. The benefit described in this Guide to Benefit will not apply to Cardholders whose s have been suspended or canceled. Termination dates may vary by financial institutions. Chase can cancel or non-renew the benefit for Cardholders, and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as an eligible Cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this insurance policy and is solely responsible for its istration and claims. The Benefit provides services on behalf of the Provider. This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims. V-PS-EP (08-18) FORM # CEWP010712 acct con


23

Lost Luggage Benefit Information What is the Lost Luggage benefit? • The benefit reimburses you for costs you incur to repair or replace Checked Baggage and/or Carry-On Baggage and personal property contained within due to physical loss or damage, if the loss (including theft) or damage occurs during a Common Carrier Covered Trip. • The Company’s liability will be the actual cash value (replacement cost less depreciation) of the articles at the time of loss up to the maximum benefit amount. The Lost Luggage benefit is in excess of any travel insurance purchased by the Insured Person for the same Covered Trip or indemnity or reimbursements by the airline, cruise line, railroad, station authority, occupancy provider available to you. • The plan is automatically provided to you as a Cardholder and your Immediate Family at no cost to you. Chase Bank USA, N.A. and/or its s pays the full cost of the insurance. •T o be eligible for this benefit, you must report the loss or damage to the Common Carrier immediately as soon as you exit the Carrier. You will need to provide proof that you submitted a report to the Common Carrier, so be sure to keep a copy of the report for your records.

What is a Common Carrier Covered Trip? • It’s travel on a Common Carrier (see definitions section) when some portion of the fare for transportation has been charged to your issued by Chase Bank USA, N.A. and/or its s. • It’s also travel on a Common Carrier when free flights have been awarded from frequent flier or Rewards programs, provided that all of the miles or Rewards points were accumulated from a Rewards program sponsored by Chase Bank USA, N.A. and/or its s.

Coverage Information Who is covered? You, the Primary Insured Person and your Immediate Family are covered. Immediate Family means your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

If I charge multiple Common Carrier fares on my for myself and Immediate Family , does this benefit apply separately to each person? Yes, each Insured Person is eligible to receive the benefit.

Are my Immediate Family covered if I am not traveling with them? Yes. The Company will pay the corresponding benefit regardless of whether you are traveling with them, as long as you have charged some portion of a Common Carrier fare for the Immediate Family (minus any redeemable frequent flyer miles, points,

24


coupons or certificates, or other types of redeemable Rewards) to your (subject to the and conditions of this description of coverage).

What is covered? The benefit covers physical loss or damage of Checked Baggage and/or Carry-On Baggage and personal property in the baggage belonging to you or an Immediate Family Member. The benefit amounts are: up to three thousand ($3,000.00) dollars for each Insured Person (you and your Immediate Family ) for each Common Carrier Covered Trip; up to five hundred ($500.00) dollars for each Insured Person for each Common Carrier Covered Trip for jewelry, watches, cameras, video recorders, and other electronic equipment. The benefit amounts for jewelry, watches, cameras, video recorders, and other electronic equipment are part of and not in addition to the maximum benefit amount for Lost Luggage. Payment of these benefit amounts reduces and does not increase the maximum benefit amount for Lost Luggage.

What is not covered? • loss of documents or valuable papers, money, securities, tickets, checks, traveler’s checks or furs. • any loss of property caused by or resulting from, directly or indirectly, you or an Immediate Family Member committing or attempting to commit any illegal act or international act, including but not limited to any felony. • any loss of property occurring when 1) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any loss of property; 2) there is any other legal prohibition against providing insurance for any loss of property; or 3) in the event of a declared or undeclared War.

When does my coverage become effective? Your insurance becomes effective on the latest of the following: • the date on which you first meet the eligibility criteria as an Insured Person • the date for which the for your insurance is paid by Chase Bank USA, N.A. and/or its s Your Immediate Family , as Insured Persons, are also covered while the insurance is in effect for the benefits described in this description of coverage.

When does my coverage terminate? Your insurance automatically terminates on the earliest of the following: • the termination date of the policy • the expiration of the period for which required has been paid for you • the date on which you no longer meet the eligibility criteria as an Insured Person • the date on which the Company pays out 100% of the benefit amount

Do I need to notify anyone that I’ve booked a Common Carrier fare to obtain this insurance? No, it is not necessary for you to notify Chase Bank USA, N.A. and/or its s, the , or the Company when you purchase your tickets.


25

Claim Information Specific questions and request for claims forms may be submitted to the Plan at the following address: Plan Card Benefit Services P.O. Box 72034 Richmond, VA 23255

What types of documentation may be requested when a claim is submitted? Some of the documentation the Company may request includes, but is not limited to: • a completed claim form • a copy of the travel itinerary • written confirmation that the claim was filed with the Common Carrier • a copy of the credit card statement that shows the charge for the Common Carrier fare • a copy of the settlement or denial from the Common Carrier • copies of receipts for the purchase of replacement items over twenty-five ($25.00) dollars • copies of original receipts For faster filing, or to learn more about the Lost Luggage benefit, visit www.eclaimsline.com

How long do I have to file a claim after the damage or loss occurs? You must provide a written claim notice within twenty (20) days after the occurrence or commencement of any loss or damage covered by this policy or as soon as reasonably possible. The notice must include enough information to identify you, and Chase Bank USA, N.A. and/or its s. Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible.

What happens after I send a claim notice to you? • Within fifteen (15) days of the Company’s receipt of your claim notice, the Company will send you or your designee forms to complete that provides the Company with Proof of Loss. • If you or your designee does not receive the forms, please send the Company a written description of the loss. This written description should include information detailing the occurrence, type, and extent of the loss for which the claim is made.


How soon after I provide Proof of Loss will I receive payment for my claim? You will receive payment for your claim for all losses covered under the plan within sixty (60) days after the Company receives the complete Proof of Loss if you, Chase Bank USA, N.A. and/or its

26


s and beneficiary, where applicable, have complied with all the of the policy.

Will the benefits be payable to me? Yes, the benefits for lost luggage are payable to you.

Definitions – credit card s. Cardholder – an individual to whom a credit card has been issued by Chase Bank USA, N.A. and/or its s. Carry-On Baggage – suitcases or other containers specifically designated for carrying personal property, which are carried on board a Common Carrier by an Insured Person. Checked Baggage – suitcases or other containers specifically designated for carrying personal property, for which a claim check has been issued to an Insured Person by a Common Carrier. Common Carrier – any motorized land, water or air Conveyance, operated by an organization other than Chase Bank USA, N.A. and/or its s, organized and licensed for the transportation of engers for hire and operated by an employee or an individual under contract. Company – Federal Insurance Company, also referred to as We, Us, or Our. Credit Card – a payment medium that takes the form of a Credit Card, credit plate, charge plate, courtesy card or other identification card or device issued to you. You may use the Credit Card to purchase, hire, rent or lease property or services. Dependent – your Dependent child, Spouse or Domestic Partner. Dependent Child – your unmarried child, dependent on you for maintenance and , under the age of 24, under the age of 25 if enrolled as a full-time student at an Institution of Higher Learning or classified as an Incapacitated Dependent Child. Domestic Partner – a person designated by you who is ed as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to you by blood; has exclusively lived with you for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with you at least 2 of the following financial arrangements: a t mortgage or lease, a t bank , t title to or ownership of a motor vehicle or status as a t lessee on a motor vehicle lease or a t Credit Card with a financial institution. Neither you nor your Domestic Partner can be married to, nor in a civil union with, anyone else. Incapacitated Dependent Child – a child who, as a result of being mentally or physically challenged, is permanently incapable of self- and permanently dependent on you for and maintenance. The incapacity must have occurred while the child was either under the age of 24 or under the age of twentyfive (25) if the child had been enrolled as a full-time student at an Institution of Higher Learning. Institution of Higher Learning – any accredited public or private college, university, professional trade or vocational school beyond the twelfth (12th) grade. Insured Person – you, as the Primary Insured Person, and Immediate Family traveling with You on a Covered Trip. Primary Insured Person – the Cardholder. Proof of Loss – written evidence acceptable to Us that an Accident, Accidental Bodily Injury or loss has occurred.


27

Rewards – means points, miles, cash Rewards, or any other type of redeemable Rewards, provided that all Rewards have been accumulated through use of a Chase Bank USA, N.A. and/or its s sponsored Rewards program. Spouse – your husband or wife who is recognized as such by the laws of the jurisdiction in which you reside. War – hostilities following a formal declaration of war by a governmental authority; in the absence of a formal declaration of war by a governmental authority, armed, open and continuous hostilities between two countries or armed, open and continuous hostilities between two factions, each in control of territory or claiming jurisdiction over the geographic area of hostility. General Provisions: The We, Us and Our below refer to Federal Insurance Company. The following provisions apply to the Insured Persons: Legal Actions: No legal action may be brought before sixty (60) days after written Proof of Loss has been furnished as required by the policy. No such action may be brought after three (3) years from the time written Proof of Loss is required to be furnished. Physical Examination and Autopsy: While a claim is pending We have the right, at Our expense to: 1) have the person who has a loss examined by a Physician when and as often as We feel is necessary; and 2) make an autopsy in case of death where it is not forbidden by law. Examination under Oath: We have a right to examine under oath, as often as We may reasonably require, the Insured Person or the beneficiary. We may also require the Insured Person or the beneficiary to provide a signed description of the circumstances surrounding the loss and their interest in the loss. The Insured Person and the beneficiary will also produce all records and documents requested by Us and will permit Us to make copies of such records or documents. In the event of a claim under this policy, the Insured Person or the beneficiary, if applicable, must fully cooperate with Us in Our handling of the claim, including, but not limited to, the timely submission of all medical and other reports, and full cooperation with all physical examinations and autopsies that We may require. If We are sued in connection with a claim under this policy, then the Insured Person or the beneficiary must fully cooperate with Us in the handling of such suit. Chase Bank USA, N.A. and/or its s, the Insured Person or the beneficiary must not, except at their own expense, voluntarily make any payment or assume any obligation in connection with any suit without Our prior written consent. Concealment or Fraud: Insurance under the policy is void if any Insured Person has intentionally concealed or misrepresented any material fact relating to this policy before or after a loss or any Insured Person files a false report of a loss. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions Apply. As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Policy # 9907-28-44 Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, is the underwriter of this insurance policy and is solely responsible for its istration and claims.

28


Purchase Protection Benefit Information What is Purchase Protection? • Purchase Protection covers eligible items of personal property you purchase using your in the event of theft, damage or involuntary and accidental parting with property. • If you buy an eligible item in the United States using your or rewards points earned on your and experience theft, damage, or involuntary and accidental parting with property within one hundred and twenty (120) days from the date of your purchase, Purchase Protection will replace, repair, or reimburse you up to a maximum of ten thousand ($10,000.00) dollars for each claim and up to fifty thousand ($50,000.00) dollars for each year. The decision to replace, repair, or reimburse you will be made at the Benefit ’s discretion. • To be eligible for coverage, you must charge some portion of the price of the purchased item to your . You will only be reimbursed up to the dollar amount to replace or repair the item or the program limit, whichever is less. • Purchase Protection provides coverage in excess of any valid and collectible insurance or indemnity. This includes but is not limited to homeowner, rental, automobile, and employer insurance policies.

Coverage Information Who is eligible for coverage? You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”) and to whomever receives gifts purchased with your Chase credit card (“”).

What is covered? • Certain personal items are covered when you purchase them using your or rewards points earned on your . The conditions for coverage are theft, damage, or involuntary and accidental parting with property. Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item’s location is known but recovery is impractical to complete. • Items purchased outside of the U.S. are covered as long as they are purchased with your and the purchase meets the and conditions of Purchase Protection. • Gifts are covered as long as they are purchased with your and the purchase meets the and conditions of Purchase Protection.

What is not covered? • Animals and living plants • Antiques and collectible items • Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle • Computer software • Items purchased for resale, professional, or commercial use


29

• Items that mysteriously disappear. “Mysterious disappearance” means the vanishing of an item in an unexplained manner when there is an absence of evidence of a wrongful act by a person or persons. • Items under the care and control of a common carrier (including U.S. Postal Service, airplanes, or delivery service) • Items including but not limited to, jewelry and watches from your baggage unless it is hand-carried and under your personal supervision, or under the supervision of your traveling companion who is previously known to you • Losses resulting from abuse, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects • Losses resulting from misdelivery or voluntary parting with property • Medical equipment • Perishables, consumables, including but not limited to perfumes, cosmetics, and limited-life items such as rechargeable batteries • Rented or leased items • Traveler’s checks, cash, tickets, credit or debit cards, and any other negotiable instruments • Used or pre-owned items (Refurbished items will not be considered used or pre-owned as long accompanied by a warranty)

Claim Information How do I file a claim? 1. C all the Benefit within ninety (90) days after the loss, damage, or theft. The customer service representative will ask you preliminary claim information and send you the appropriate claim form. Please note: If you do not the Benefit within ninety (90) days of the loss, your claim may be denied. 2. C omplete the claim form you receive from the Benefit . Be sure to provide all of the information requested and return the information within one hundred and twenty (120) days from the date of loss, theft, or damage. Gift recipients of eligible items are also covered by the claims process. However, a gift recipient must provide all the documents necessary to fully substantiate the claim.

What documents do I need to submit with my claim? • Your completed and signed claim form • A copy of your monthly billing statement (showing the last four (4) digits of the number) demonstrating that the purchase was made on your eligible • A copy of the sales receipt or invoice demonstrating that the purchase was made on Your eligible • If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized • A copy of the police report (made within forty-eight [48] hours of the occurrence in the case of theft), fire report, or incident report to substantiate the loss. All losses must be substantiated. If the loss was not reported, please

30


the Benefit to determine if there may be other documentation that can be provided to determine your eligibility for Purchase Protection • If the item is repairable, the estimate of repair OR a copy of the paid receipt/invoice for the repairs, indicating the type of damage to the claimed item (if applicable) • Copy of the documentation (if available) of any other settlement of the loss • Any other documentation deemed necessary, in the Benefit ’s sole discretion, to substantiate the claim For faster filing, or to learn more about the Purchase Protection benefit, visit www.eclaimsline.com PLEASE NOTE: Your maximum recovery under the Purchase Protection Benefit is the purchase price of the item, not to exceed the coverage limit.

If the claim is for a damaged item: Please be sure to retain the damaged item. To substantiate your claim, you will most likely be asked to send the damaged item to the Benefit at your expense. Please note that all claims must be fully substantiated as to the time, place, cause, and amount of damage or theft.

How will I be reimbursed? At its discretion and depending on the nature and circumstances of the incident, the Benefit may choose to address your claim in one of two ways: 1. A damaged item may be repaired, rebuilt, or replaced wholly or in part. A stolen item may be replaced. You will be notified of the decision to repair, rebuild, or replace your item within fifteen (15) days following receipt of the required proof-of-theft/damage documentation. 2. Y ou may be reimbursed for the covered item. The reimbursement will be for no more than the original purchase price of the covered item as shown on your receipt, less shipping and handling charges, up to a maximum of ten thousand ($10,000.00) dollars per claim and fifty thousand ($50,000.00) dollars per year.* You will only be reimbursed up to the amount charged to your or the program limit whichever is less. Additionally, any purchases made using rewards points associated with the are eligible for this benefit and you will only be reimbursed up to the dollar amount to replace or repair the item or the program limit, whichever is less. Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents. In either case, the Benefit ’s payment, replacement, or repair made in good faith will fulfill the obligation under the benefit.

Do I have to file a claim with my insurance company? Yes. If you have personal (i.e. homeowner’s, renter’s, or automobile) insurance, you are required to file a claim with your insurance company and to submit a copy of any claims settlement from your insurance company along with your claim form.*


31

At the discretion of the Benefit , a copy of your personal declaration page may be sufficient when the claim amount is within your personal insurance deductible. * Note: Purchase Protection provides coverage on an “excess” coverage basis. That means it does not duplicate, but pays in excess of, valid and collectible insurance or indemnity (including, but not limited to, homeowner, renter, automobile, or employer insurance policies). After all insurance or indemnity has been exhausted, Purchase Protection will cover the loss up to the amount charged to your , and subject to the , exclusions, and limits of liability of the benefit. Purchase Protection will also pay for the outstanding deductible portion of your insurance or indemnity for eligible claims. The maximum limit of liability is ten thousand ($10,000.00) dollars per claim occurrence, and fifty thousand ($50,000.00) dollars per year. You will receive no more than the purchase price as recorded. Where a protected item is part of a pair or set, you will receive no more than the value (as described herein) of the particular part or parts, stolen or damaged, regardless of any special value that the item may have as part of such a pair or set, nor more than the proportionate part of an aggregate purchase price of such pair or set. Purchase Protection is not “contributing” insurance, and this “non-contribution” provision shall take precedence over “non-contribution” provisions found in insurance or indemnity descriptions, policies, or contracts. Additional Provisions for Purchase Protection: This protection provides benefits only to you, the eligible Cardholder, and to whomever receives the eligible gifts you purchase with your . You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by this benefit. This provision will not be unreasonably applied to avoid claims. If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each Cardholder agrees that any representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact by the Cardholder. After the Benefit has paid your claim of loss or damage, all your rights and remedies against any party in respect of this loss or damage will be transferred to the Benefit to the extent of the payment made to you. You must give the Benefit all assistance as may reasonably be required to secure all rights and remedies. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. No legal action against the Provider may be brought more than two (2) years after the time for giving proof of loss. Further, no legal action may be brought against the Provider unless all the of this Guide to Benefit have been complied with fully. This benefit is provided to eligible Cardholders at no additional cost. The and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefit described in this Guide to

32


Benefit will not apply to Cardholders whose s have been suspended or canceled. Termination dates may vary by financial institutions. Chase can cancel or non-renew the benefit for Cardholders, and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as an eligible Cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this insurance policy and is solely responsible for its istration and claims. The Benefit provides services on behalf of the Provider. This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims. V-PS-EP (08-18) FORM# PURPRO010712 10K yr

Return Protection Benefit Information What is Return Protection? • If you are dissatisfied with an item of personal property that you purchased entirely using your or rewards points earned on the card and the merchant will not accept the return, Return Protection will reimburse you for the cost of the item within ninety (90) days of the date it was purchased. • This benefit is limited to five hundred ($500.00) dollars for each eligible item and up to one thousand ($1,000.00) dollars annual maximum per . Please note that the Benefit must receive the item in like-new/good working condition. • Return Protection provides this coverage in excess of any applicable store guarantees.

Coverage Information Who is eligible for coverage? You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”) and has made purchases with your Chase credit card (“”).

What is not covered? • Animals and living plants • Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle • Cash, bullion, travelers checks, tickets, credit or debit cards, and any other negotiable instruments • Computer software • Damaged/non-working items • Formal attire including, but not limited to, cocktail dresses, tuxedos, gowns, and formal accessories • Items purchased for resale, professional, or commercial use • Items purchased outside of the United States • Items upon which alterations have been made • Jewelry, art objects, rare or precious coins or stamps, antiques, and collectible items


33

• Medical equipment • Perishables, consumables, and limited-life items including, but not limited to, rechargeable batteries • Real estate and items which are intended to become part of real estate, including, but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans • Seasonal items including, but not limited to, holiday decorations

Claim Information How do I file a claim? 1. C all the Benefit within ninety (90) days of the date of purchase. The customer service representative will ask you for some preliminary claim information and send you the appropriate claim form. 2. R eturn the completed claim form to the Benefit within thirty (30) days of the date of the first notice of loss along with: • Your original itemized sales receipt for your purchase or original packing slip in the case of mail order purchases • A copy of your monthly billing statement (showing the last four [4] digits of the number) demonstrating that the purchase was made on your covered . 3. C ustomers who file a claim within thirty (30) days of the date of the purchase may be asked to submit proof of the store’s return policy. 4. Please send all information to the Benefit : Card Benefit Services P.O. Box 110889 Nashville, TN 37222 For faster filing, or to learn more about the Return Protection benefit, visit www.cardbenefitservices.com

What happens after I submit my claim? • When your claim is received a customer service representative will you. If additional documentation is needed, in the Benefit ’s sole discretion, to substantiate the claim, you will have an additional sixty (60) days to provide that information. • When the claim information is complete, the customer service representative will give you instructions for shipping the item with its original packaging, plus any manuals and warranties to the Benefit . The cost of shipping is at your expense. The Benefit must receive the item in like-new/good working condition before the claim can be approved.

How will I be reimbursed? • Once your claim has been approved and the item is received, the Benefit will issue reimbursement for the purchase price of the item up to a maximum of five hundred ($500.00) dollars for each eligible item, one thousand ($1,000.00) dollars annual maximum for each less any applicable shipping and handling fees. • Additionally, eligible purchases made using rewards points associated with the are eligible for this benefit.

34


Additional Provisions for Return Protection: The Return Protection benefit is secondary to and excess of any valid and collectible avenue of recovery which is available to you, the eligible Cardholder. The Benefit will reimburse the excess amount once all other coverage has been exhausted up to the limit of liability. This benefit is available only to you, the eligible Cardholder. If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim and your benefits may be canceled. Each Cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentations of material fact by the Cardholder. After the Benefit has paid your claim, all rights and remedies against any party in respect of this loss will be transferred to the Benefit to the extent of the payment made to you. You must give the Benefit all assistance as may reasonably be required to secure all rights and remedies. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. No legal action against the Provider may be brought more than two (2) years after the time for giving proof of loss. Further, no legal action may be brought against the Provider unless all the of this Guide to Benefits have been complied with fully. This benefit is provided to eligible Cardholders at no additional cost. The and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefit described in this Guide to Benefits will not apply to Cardholders whose s have been suspended or canceled. Termination dates may vary by financial institutions. Chase can cancel or non-renew the benefit for Cardholders, and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as an eligible Cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this insurance policy and is solely responsible for its istration and claims. The Benefit provides services on behalf of the Provider. V-PS-EP (08-18) FORM# CRETPRO010712

Roadside Assistance You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”) have access to Roadside Assistance which entitles you to a variety of roadside services. If you are ever stranded away from home with a roadside emergency such as a flat tire, dead battery or mechanical breakdown, help is available by calling Cross Country Motor Club at 1-866-860-7978, toll-free, 24 hours a day, 365 days a year.

Who is covered? You, the Cardholder is covered by Roadside Assistance when you drive any vehicle you own or lease, and when you drive a


35

vehicle that is furnished to you by the owner, while traveling away from home.

What types of vehicles are covered? All self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation, with trucks limited to a carrying capacity of up to 2,000 pounds, are covered as subject to the guidelines section. Commercial vehicles are not eligible for coverage.

What is covered? Road service events, such as flat tires, dead batteries, running out of gas, and lockouts are covered through Cross Country Motor Club. You are covered up to a maximum of $50 for each service event, up to four events each year. Assistance will be provided for one service event for the same cause during any consecutive 7-day period. Coverage is provided while traveling in the U.S. and Canada and includes: •B attery Boost – If your vehicle won’t start due to a dead or weak battery. •F lat Tire Service – If you have a flat tire, we’ll install your inflated spare. •F uel Delivery – If you run out of gas, an emergency supply will be delivered to you. The cost of fuel is covered for up to 2 gallons. •2 4 Hour Towing Assistance – In the event of a vehicle breakdown that requires a tow, a call to the toll-free assistance line will put you in with a customer service representative who will one of more than 25,000, 24-hour preferred service providers across the U.S. and Canada. The representative will arrange to transport the vehicle to the nearest repair facility or location of the motorist’s choice. Services will be covered up to $50 for each event. •2 4 Hour Lockout Assistance – Should you accidently lock yourself out of your vehicle, a qualified locksmith will be dispatched to remedy the situation. Proper identification is required at the time of service. are covered for locksmith services up to $50 for each event. (Replacement key costs are the responsibility of the Cardholder.)

What information will be required? When calling for service, please be prepared to provide the customer service representative with the following information: • Your name and address • VIN (vehicle identification number) OR make, model, and year of vehicle • Vehicle location • Phone number where you can be reached

“Sign and Drive” Service In most instances, services will require no cash outlay (up to the covered limit). You must sign the provider’s service acknowledgement. Excess charges (if any) can be applied to your Chase card or other payment choice. All services are provided by and/or through, Cross Country Motor Club, Inc., Medford, MA 02155, except in Alaska, California, Hawaii, Oregon, Wisconsin and Wyoming where services are provided by and/or through Cross Country Motor Club of California, Inc., Thousand Oaks, CA 91360.

36


The benefits summarized above do not apply to Cardholders whose s have been suspended or canceled. The roadside benefits are provided to eligible Cardholders on a complimentary basis. For the that apply to the program, and the state provisions, please see the following website: www.crosscountry-auto.com/assist24-. In the event your financial institution elects to modify or cancel this benefit, you will be provided with thirty (30) days advance written notice. FORM#AST24 (08/18) $50

Travel Accident Insurance Benefit Information for Common Carrier Travel Accident Insurance Who is covered? This insurance is provided automatically to Cardholders and your Immediate Family . Immediate Family Member means Your or Your Spouse’s or Domestic Partner’s children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

What is the Common Carrier Travel Accident benefit and what is covered? Common Carrier means any motorized land, water or air Conveyance, operated by an organization, structured and licensed for the transportation of engers for hire and operated by an employee of such organization or an individual under contract. If You charge some portion of a Common Carrier fare (less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable rewards) to Your (subject to the and conditions of this description of coverage), the Company will pay the benefit for a Covered Loss while an Insured Person is: 1) riding as a enger in, entering or exiting any Common Carrier on which You have purchased age; or 2) riding as a enger in, entering or exiting any Conveyance licensed to carry the public for hire or any Courtesy Transportation provided without a specific charge and while traveling to or from the airport, terminal or station: a) immediately preceding the departure of the scheduled Common Carrier on which You have purchased age; or b) immediately following the arrival of the scheduled Common Carrier on which the Insured Person was a enger; or 3) at the airport, terminal or station at the beginning or end of the Common Carrier Covered Trip Coverage shall also be provided when free flights have been awarded from frequent flier or rewards programs provided that all of the miles or rewards points were accumulated from a rewards program sponsored by Chase Bank USA, N.A. and/or its s. If the purchase of the Common Carrier enger fare is not made prior to Your arrival at the airport, terminal or station, coverage will begin at the time some portion of the cost of the Common Carrier enger fare is charged to Your .


37

Benefit Information for 24 Hour Travel Accident Insurance Who is covered? This insurance is provided automatically to Cardholders and your Immediate Family . Immediate Family Member means Your or Your Spouse’s or Domestic Partner’s children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

What is the 24 Hour Travel Accident benefit and what is covered? If You charge Scheduled Airline costs (less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable rewards) to Your , the Company will provide Accidental Death, Dismemberment and Loss of Speech, Sight, and Hearing Benefits to an Insured Person on a twenty-four (24) hour basis. Twenty-four (24) hour coverage is activated when travel begins on the departure date printed on the Scheduled Airline ticket and ends on the return date printed on the Scheduled Airline ticket. For Scheduled Air Covered Trips more than thirty (30) days in length, coverage remains in effect until 12:01 a.m. on the thirty-first (31st) day of the Covered Trip and then terminates. The insurance will be reactivated only for Your return trip while an Insured Person is: 1) on a Scheduled Airline; or 2) riding as a enger in, entering or exiting any Conveyance licensed to carry the public for hire or any Courtesy Transportation provided without a specific charge and while traveling to or from the airport: a) immediately preceding the departure of the Scheduled Airline on which You have purchased age; or b) immediately following the arrival of the Scheduled Airline on which the Insured Person was a enger; or 3) at the airport at the beginning or end of the Scheduled Air Covered Trip Coverage shall also be provided when free flights have been awarded from frequent flier or rewards programs provided that all of the miles or rewards points were accumulated from a rewards program sponsored by Chase Bank USA, N.A. and/or its s. Scheduled Aircraft means an aircraft owned or operated by a Scheduled Airline. Scheduled Airline means an airline which is either: 1) ed and certified by the Government of the United States of America to carry engers on a regularly scheduled basis; or 2) ed and certified by any other governmental authority with competent jurisdiction to carry engers on a regularly scheduled basis.

Information applicable to both Common Carrier Travel Accident Insurance and 24 Hour Travel Accident Insurance Disappearance: If, due to an Accident, You have not been found within one (1) year of the disappearance, stranding, sinking, or wrecking of any Conveyance in which You were an occupant at the time of the Accident, then it will be assumed You have suffered Loss of Life while insured under the policy.

38


Exposure: If, due to an Accident, You are unavoidably exposed to the elements and as a result of such exposure suffers a Covered Loss as described above, the Company will pay the benefit shown. Loss must occur within one (1) year after the Accident.

Do I need to notify anyone that I’ve booked a fare, to obtain this insurance? It is not necessary for You to notify Chase Bank USA, N.A. and/or its s, the Plan , or the Company when tickets are purchased.

If I charge multiple tickets for myself and Immediate Family does the Common Carrier Travel Accident Benefit and the 24 Hour Travel Accident Benefit apply per person? Yes. Each traveler is eligible to receive the primary Cardholder benefit amount, subject to the Aggregate Limit of Insurance.

Is an Immediate Family Member Covered if the Primary Cardholder is not traveling with them? Yes. As long as the primary Cardholder has charged some portion of a fare, for an Immediate Family Member (less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable rewards) to their (subject to the and conditions of this description of coverage), the Company will pay the corresponding benefit regardless of whether the primary Cardholder is traveling with such Insured Person.

How much insurance is provided? The Loss of Life Benefit Amount is per Insured Person up to the Aggregate Limit of Insurance.

Common Carrier Loss of Life Benefit Amount

One Million ($1,000,000.00) Dollars

24 Hour Loss of Life Benefit Amount

One Hundred Thousand ($100,000.00) Dollars

The following are losses insured and the corresponding Benefit Amount expressed as a percentage of the Loss of Life Benefit Amount:

Covered Loss Due to an Accident

(Percentage of Loss of Life Benefit Amount)

Loss of Speech and Loss of Hearing

100%

Loss of Speech and one of Loss of Hand, Loss of Foot, or Loss of Sight

100%

Loss of Hearing and one of Loss of Hand, Loss of Foot, or Loss of Sight of One Eye

100%


39

Loss of Hands (Both), Loss of Feet (Both), Loss of Sight or a combination of any two of Loss of Hand, Loss of Foot, or Loss of Sight of One Eye

100%

Loss of Hand, Loss of Foot, or Loss of Sight of One Eye (any one of each)

50%

Loss of Speech or Loss of Hearing

50%

Loss of Thumb and Index Finger of the same hand

25%

In the event of a loss are both the Common Carrier Travel Accident Benefit Amount and the 24 Hour Travel Accident Benefit Amount payable? No. If, subject to all the and conditions, the Insured Person suffers multiple covered losses as the result of one (1) Accident, then the Company will only pay the single largest Benefit Amount applicable to all such covered losses.

What is the Aggregate Limit of Insurance? If more than one Insured Person insured under the same suffers a loss in the same Accident, the Company will not pay more than two (2) times the applicable Benefit Amount (the Aggregate Limit of Insurance). If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed two (2) times the applicable Benefit Amount, then the Aggregate Limit of Insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount.

What is not covered? Accidental Death & Dismemberment Exclusions: This insurance does not apply to any Accident, Accidental Bodily Injury or loss caused by or resulting from, directly or indirectly: • the Insured Person entering, or exiting any aircraft while acting or training as a pilot or crew member. This exclusion does not apply to engers who temporarily perform pilot or crew functions in a life-threatening emergency • the Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment or diagnosis thereof. This exclusion does not apply to the Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria • the Insured Person’s commission or attempted commission of any illegal act including but not limited to any felony • any occurrence while the Insured Person is incarcerated • the Insured Person participating in parachute jumping from an aircraft • the Insured Person being engaged in or participating in a motorized vehicular race or speed contest • the Insured Person participating in any professional sporting activity for which the Insured Person received a salary or prize money

40


• the Insured Person traveling or flying on any aircraft engaged in flight on a rocket propelled or rocket launched aircraft • the Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury • when: 1) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury or loss; or 2) there is any other legal prohibition against providing insurance for any Accident, Accidental bodily injury or loss • a declared or undeclared War

What is the cost for this insurance? This insurance plan is provided at no cost to eligible Cardholders. Chase Bank USA, N.A. and/or its s pays the full cost of the insurance.

When does my coverage become effective and when does it terminate? Your insurance becomes effective on the latest of: 1) The date on which You first meet the eligibility criteria as an Insured Person; or 2) the date for which the for your insurance is paid by Chase Bank USA, N.A. and/or its s. Insurance for You automatically terminates on the earliest of: 1) the termination date of the policy; 2) the expiration of the period for which required has been paid for You; 3) the date on which You no longer meet the eligibility criteria as an Insured Person; or 4) the date on which the Company pays out 100% of the Loss of Life Benefit Amount. Also covered while Your insurance is in effect are your Immediate Family , as Insured Persons, for the benefits described in this description of coverage.

Claim Information Specific questions, beneficiary designations, and request for claims forms may be submitted to the Plan at the following address: Plan Card Benefit Services P.O. Box 72034 Richmond, VA 23255

What types of documentation may be requested when a claim is submitted? Some of the documentation that may be requested by the Company includes but is not limited to: • a completed claim form • a copy of the travel itinerary • a police report confirming the claimed Accident • a copy of the credit card statement that shows the charge for the Common Carrier or Scheduled Airline fare • a copy of the death certificate

Notice of Claim Written Claim Notice must be given within twenty (20) days after the occurrence or commencement of any loss covered by this policy or as soon as reasonably possible. Notice must include enough information to identify the Insured Person and Chase Bank USA, N.A. and/or its s. Failure to give Claim Notice within


41

twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible.

Claim Forms When the Company receives notice of a claim, the Company will send the Insured Person or the Insured Person’s designee, within fifteen (15) days, forms for giving Proof of Loss to the Company. If the Insured Person or the Insured Person’s designee does not receive the forms, then the Insured Person or the Insured Person’s designee should send the Company a written description of the loss. This written description should include information detailing the occurrence, type and extent of the loss for which the claim is made.

Proof of Loss Complete Proof of Loss must be given to the Company within ninety (90) days after the date of loss, or as soon as reasonably possible. Failure to give complete Proof of Loss within these time frames will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible, and in no event later than one (1) year after the deadline to submit complete Proof of Loss, except in cases where the claimant lacks legal capacity.

Time of Payment of Claims The Company will pay claims for all losses covered under the policy within sixty (60) days after the Company receives complete Proof of Loss if the Insured Person, Chase Bank USA, N.A. and/or its s and beneficiary, where applicable, have complied with all the of the policy.

Payment of Claims and Beneficiary All benefits except for Loss of Life are paid to You. Loss of Life benefits are paid to the beneficiary at the time of death. If the Insured Person has not chosen a beneficiary or if there is no beneficiary alive when the Insured Person dies, then the Company will pay the benefit to the Insured Person’s survivors in the following order: 1) Your Spouse or Domestic Partner; 2) Your child(ren); 3) Your parents; 4) Your brothers and sisters; and 5) Your estate. You have the right to name a beneficiary. Beneficiary designations must be submitted in writing to the Plan . If any beneficiary has not reached the legal age of majority, then the Company will pay such beneficiary’s legal guardian.

Definitions Accident or Accidental – a sudden, unforeseen, and unexpected event which: 1) happens by chance; 2) arises from a source external to an Insured Person; 3) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; 4) occurs while You are insured under the policy while it is in force; and 5) is the direct cause of loss. – credit card Cardholder – an individual to whom a credit card has been issued by Chase Bank USA, N.A. and/or its s Common Carrier Covered Trip – travel on a Common Carrier when some portion of the fare for such transportation has been charged to Your issued by Chase Bank USA, N.A. and/or its s. Common Carrier Covered Trip also means travel on a Common Carrier when free flights have been awarded from

42


frequent flier or rewards programs provided that all of the miles or rewards were accumulated from a rewards program sponsored by Chase Bank USA, N.A. and/or its s Company – Federal Insurance Company, also referred to as We, Us, or Our Conveyance - any motorized craft, vehicle or mode of transportation licensed or ed by a governmental authority with competent jurisdiction Courtesy Transportation – transportation provided without a specific charge by a rental car agency, airport or hotel which transports an Insured Person from the airport or station to the rental car agency or hotel, or from the rental car agency or hotel to the airport or station Credit Card – a payment medium that takes the form of a Credit Card, credit plate, charge plate, courtesy card or other identification card or device issued to you. You may use the Credit Card to purchase, hire, rent or lease property or services Dependent – Your Dependent child, Spouse or Domestic Partner Dependent Child – Your unmarried child, Dependent on You for maintenance and , under the age of 24, under the age of 25 if enrolled as a full-time student at an Institution of Higher Learning or classified as an Incapacitated Dependent Child Domestic Partner – a person designated by You who is ed as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to You by blood; has exclusively lived with You for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with You at least 2 of the following financial arrangements: a t mortgage or lease, a t bank , t title to or ownership of a motor vehicle or status as a t lessee on a motor vehicle lease or a t Credit Card with a financial institution. Neither You nor Your Domestic Partner can be married to, nor in a civil union with, anyone else Incapacitated Dependent Child – a child who, as a result of being mentally or physically challenged, is permanently incapable of self- and permanently Dependent on You for and maintenance. The incapacity must have occurred while the child was either under the age of 24 or under the age of twenty-five (25) if the child had been enrolled as a full-time student at an Institution of Higher Learning Institution of Higher Learning – any accredited public or private college, university, professional trade or vocational school beyond the twelfth (12th) grade Insured Person – You, as the Primary Insured Person, and Immediate Family traveling with You on a Covered Trip Loss of Foot – the complete severance of a foot through or above the ankle t. We will consider such severance a Loss of Foot even if the foot is later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation Loss of Hand – complete severance, as determined by a Physician, of at least four (4) fingers at or above the metacarpal phalangeal t on the same hand or at least three (3) fingers and the thumb on the same hand. We will consider such severance a Loss of Hand even if the hand, fingers or thumb are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation


43

Loss of Hearing – permanent, irrecoverable and total deafness, as determined by a Physician, with an auditory threshold of more than 90 decibels in each ear. The deafness cannot be corrected by any aid or device, as determined by a Physician Loss of Life – death, including clinical death, as determined by the local governing medical authority where such death occurs within 365 days after an Accident Loss of Sight – permanent loss of vision. Remaining vision must be no better than 20/200 using a corrective aid or device, as determined by a Physician Loss of Sight of One Eye – permanent loss of vision of one eye. Remaining vision in that eye must be no better than 20/200 using a corrective aid or device, as determined by a Physician Loss of Speech – the permanent, irrecoverable and total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician Loss of Thumb and Index Finger – complete severance, through the metacarpal phalangeal ts, of the thumb and index finger of the same hand, as determined by a Physician. We will consider such severance a Loss of Thumb and Index Finger even if a thumb, an index finger or both are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation Physician – a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include You, an Immediate Family Member; Your employer or business partner, or Chase Bank USA, N.A. and/or its s Primary Insured Person – the Cardholder Proof of Loss – written evidence acceptable to Us that an Accident, Accidental Bodily Injury or loss has occurred Scheduled Air Covered Trip – travel on a Scheduled Airline when some portion of the fare for such transportation has been charged to Your issued by Chase Bank USA, N.A. and/or its s. Scheduled Air Covered Trip also means travel on a Scheduled Airline when free flights have been awarded from frequent flier or points programs provided that all of the miles or rewards were accumulated from a rewards program sponsored by Chase Bank USA, N.A. and/or its s. The trip must: 1) occur while the insurance is in-force; 2) be to a destination that is more than 1 mile from Your primary residence; and 3) not exceed thirty-one (31) days in duration Rewards – points, miles, cash Rewards, or any other type of redeemable rewards, provided that all Rewards have been accumulated through use of a Chase Bank USA, N.A. and/or its s sponsored Rewards program Spouse – Your husband or wife who is recognized as such by the laws of the jurisdiction in which You reside War – hostilities following a formal declaration of war by a governmental authority; in the absence of a formal declaration of war by a governmental authority, armed, open and continuous hostilities between two countries or armed, open and continuous hostilities between two factions, each in control of territory or claiming jurisdiction over the geographic area of hostility General Provisions: The We, Us and Our below refer to Federal Insurance Company. The following provisions apply to the Insured Persons:

44


Legal Actions: No legal action may be brought before sixty (60) days after written Proof of Loss has been furnished as required by the policy. No such action may be brought after three (3) years from the time written Proof of Loss is required to be furnished. Physical Examination and Autopsy: While a claim is pending We have the right, at Our expense to: 1) have the person who has a loss examined by a Physician when and as often as We feel is necessary; and 2) make an autopsy in case of death where it is not forbidden by law. Examination under Oath: We have a right to examine under oath, as often as We may reasonably require, the Insured Person or the beneficiary. We may also require the Insured Person or the beneficiary to provide a signed description of the circumstances surrounding the loss and their interest in the loss. The Insured Person and the beneficiary will also produce all records and documents requested by Us and will permit Us to make copies of such records or documents. In the event of a claim under this policy, the Insured Person or the beneficiary, if applicable, must fully cooperate with Us in Our handling of the claim, including, but not limited to, the timely submission of all medical and other reports, and full cooperation with all physical examinations and autopsies that We may require. If We are sued in connection with a claim under this policy, then the Insured Person or the beneficiary must fully cooperate with Us in the handling of such suit. Chase Bank USA, N.A. and/or its s, the Insured Person or the beneficiary must not, except at their own expense, voluntarily make any payment or assume any obligation in connection with any suit without Our prior written consent. Concealment or Fraud: Insurance under the policy is void if any Insured Person has intentionally concealed or misrepresented any material fact relating to this policy before or after a loss or any Insured Person files a false report of a loss. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions Apply. Chubb, Box 1615, Warren, N.J. 07061-1615. As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Policy # 9907-28-44 Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, is the underwriter of this insurance policy and is solely responsible for its istration and claims.

Travel and Emergency Assistance Services Emergencies can escalate quickly when You are traveling away from home. Something that is relatively straight forward when You are not traveling, like replacing prescription medication, can be a more difficult task when You are dealing with local laws or language barriers. Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home. The Benefit can connect You with the appropriate local emergency and assistance resources available, 24 hours a day, 365 days a year.


45

Please note that due to occasional issues such as distance, location, or time, neither the Benefit nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.

What are Travel and Emergency Assistance Services and how do I use them? Travel and Emergency Assistance Services are made available to You, if You are a cardholder of an eligible card issued in the United States. Your spouse and children (dependents under 22 years old) are also eligible to use these services. Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. To use the services, simply call the toll-free, 24-hour Benefit line at 1-800-992-6029. If You are outside the United States, call collect at 1-804-673-1675.

What are the specific services and how can they help me? • Emergency Message Service – can record and relay emergency messages for travelers, or their immediate family , or business associates. The Benefit will use reasonable efforts to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully. All costs are Your responsibility. • Medical Referral Assistance – provides medical referral, monitoring, and follow-up. The Benefit can give You names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor Your condition; keep in with Your family, and provide continuing liaison; and help You arrange medical payments from Your personal . All costs are Your responsibility. • Legal Referral Assistance – can arrange with Englishspeaking attorneys and U.S. embassies and consulates if You’re detained by local authorities, have a car accident, or need legal assistance. In addition, the Benefit can coordinate bail payment from Your personal . The Benefit can also follow up to make sure bail has been properly handled. All costs are Your responsibility. • Emergency Transportation Assistance – can help You make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This includes arranging to bring Your young children home and helping You stay in with family or employers during the emergency. In the case of a death, the Benefit can make arrangements to repatriate the remains. All costs are Your responsibility. • Emergency Ticket Replacement – helps You through Your carrier’s lost ticket reimbursement process and assists in the delivery of a replacement ticket to You, should You lose Your ticket. All costs are Your responsibility. • Lost Luggage Locator Service – can help You through the Common Carrier’s claim procedures or can arrange shipment

46


of replacement items if an airline or Common Carrier loses Your checked luggage. You are responsible for the cost of any replacement items shipped to You. • Emergency Translation Services – provides telephone assistance in all major languages and helps find local interpreters, if available, when You need more extensive assistance. All costs are Your responsibility. • Prescription Assistance and Valuable Document Delivery Arrangements – can help You fill or replace prescriptions, subject to local laws, and can arrange pickup and delivery of Your prescriptions filled for You at local pharmacies. It can also help transport critical documents that You may have left at Your home or elsewhere. All costs are Your responsibility. • Pre-Trip Assistance – can give You information on Your destination before You leave such as ATM locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and required port visas.

Definitions Common Carrier means any mode of transportation by land, water or air operating for hire under a license to carry engers for which a ticket must be purchased prior to travel. Does not include taxi, limousine service, commuter rail or commuter bus lines. You or Your means an eligible person whose name is embossed on an eligible U.S. issued card, and You reside in the United States. Additional Provisions for Travel and Emergency Assistance Services The benefit described in this Guide to Benefit will not apply to Cardholders whose s have been suspended or canceled. The and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification, including email or other secure portal messaging vehicles. Allianz Global Assistance (“Benefit ”) is solely responsible for provision of the Travel and Emergency Assistance benefit. TEAS (08-18) FORM #VTEAS con biz

Trip Cancellation and Trip Interruption Benefit Information Who is covered? You, the Primary Insured Person, and your Immediate Family are automatically covered. Immediate Family Member means your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

What is Trip Cancellation insurance? Trip Cancellation insurance reimburses you or your Immediate Family for up to ten thousand ($10,000.00) dollars for each Covered Trip if a Covered Loss prevents you or your Immediate Family from traveling on or


47

before the departure date and results in cancellation of the travel arrangements. If any or all of the Covered Trip was paid for using redeemable Rewards, the Company will reimburse the Insured Person for Rewards used. The Company’s reimbursement shall equal the monetary value of the redemption through the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier up to the Benefit Amount. If the monetary value of the redemption does not appear on the Insured Person’s itinerary or redemption confirmation issued by the Common Carrier, Rewards program manager, Tour Operator, Travel Agency, or Travel Supplier the Company will reimburse the Insured Person ($.01) per point redeemed up to the Insured Person’s Benefit Amount. Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your : • while the insurance is in effect • to a destination of greater than one (1) mile from your primary residence • and is for a time period that doesn’t exceed sixty (60) days in duration Rewards means points, miles, cash Rewards, or any other type of redeemable Rewards, provided that all Rewards have been accumulated through use of a Rewards program sponsored by Chase Bank USA, N.A. and/or its s. Covered Loss means one of the following events that occur when you or an Immediate Family Member is insured under the policy and the event causes cancellation of the travel arrangements: • Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion • Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip • Change in military orders for you, your Spouse, or your Domestic Partner • A terrorist action or hijacking • A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived • Finding your or your Traveling Companion’s dwelling to be uninhabitable • Quarantine imposed by a Physician for health reasons • Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked If a trip cancellation occurs, the Company will reimburse you or an Immediate Family Member for the non-refundable amounts paid up to Trip Cancellation & Trip Interruption Maximum limit of Insurance per Occurrence of ten thousand ($10,000.00) dollars for each claim on a Covered Trip. Reimbursement is subject to the following: • Cancellation provisions in effect at the time the Travel Supplier is notified of a cancellation. • If a Physician has advised that making the Covered Trip is medically inadvisable, you must immediately notify the appropriate Travel Supplier that you are cancelling your travel arrangements. If you don’t notify the supplier, the Company’s

48


reimbursement will not exceed the cancellation penalties imposed during the period by the supplier and in effect forty-eight (48) hours immediately following your receipt of advice from your Physician that travel is not advisable.

What is not covered by Trip Cancellation insurance? It does not apply to a Covered Loss caused directly or indirectly from: • travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any Travel Agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation • change in plans, financial circumstances, and any business or contractual obligations applying to you, your Traveling Companion, your Immediate Family Member, an Immediate Family Member of your Traveling Companion • a Pre-existing Condition • Additionally, this insurance does not apply to any Accident, Accidental Bodily Injury or loss caused by or resulting from, directly or indirectly: the commission or attempted commission of any illegal act including but not limited to any felony • any occurrence during incarceration • being engaged in or participating in a motorized vehicular race or speed contest • participating in any professional sporting activity for which a salary or prize money is received • traveling or flying on any aircraft engaged in flight on a rocket propelled or rocket launched aircraft • suicide, attempted suicide or intentionally self-inflicted injury • when: a) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury or loss; or b) there is any other legal prohibition against providing insurance for any Accident, Accidental Bodily Injury or loss • a declared or undeclared War The Trip Cancellation benefit is excess over any travel insurance purchased by the Insured Person for the same Covered Trip or other indemnity by the airline, cruise line, railroad, station authority, occupancy provider available to the Insured Person.

Benefit Information for Trip Interruption Who is covered? You, the Primary Insured Person, and your Immediate Family are automatically covered. Immediate Family Member, means your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.

What is the Trip Interruption insurance? Trip Interruption insurance reimburses you or your Immediate Family for up to ten thousand ($10,000.00) dollars for each Covered Trip if a Covered Loss causes interruption of the Covered Trip on the way to the point of departure or after the departure of the Covered Trip. Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any


49

redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your : • while the insurance is in effect • to a destination of greater than one (1) mile from your primary residence • and is for a time period that doesn’t exceed sixty (60) days in duration A Covered Loss is one of the following events that occur when you or an Immediate Family Member is covered under the policy while it is in effect: • Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion • Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip • Change in military orders for you, your Spouse, or your Domestic Partner • A terrorist action or hijacking • A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived • Finding your or your Traveling Companion’s dwelling to be uninhabitable • Quarantine imposed by a Physician for health reasons • Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked

What types of Trip Interruption expenses are eligible for reimbursement? If a Trip Interruption occurs, the Company will reimburse you for up to the maximum Benefit Amount of ten thousand ($10,000.00) dollars for: • the forfeited, non-refundable pre-paid land, air and/or sea transportation arrangements that were missed If you or an Immediate Family Member are forced to temporarily postpone a Covered Trip due to a Covered Loss and a new departure date is set, the Company will reimburse: • for the unused Non-Refundable land, air and/or sea arrangements • Change Fees However, in no event will the Company pay more than the Trip Interruption Benefit Amount for each interruption claim. Additionally, in no event will the Company pay more than the maximum Benefit Amount per twelve (12) month period.

What is not covered by Trip Interruption insurance? This benefit does not apply to a Covered Loss caused directly or indirectly from the Insured Person or Traveling Companion: • traveling against the advice of a Physician • traveling while on a waiting list for specified medical treatment • traveling for the purpose of obtaining medical treatment; or traveling in the third trimester (seventh month or after) of pregnancy • traveling with a Pre-Existing Condition • commission or attempted commission of any illegal act including but not limited to any felony

50


• being engaged in or participating in a motorized vehicular race or speed contest • participating in any professional sporting activity for which the Insured Person received a salary or prize money • traveling or flying on any aircraft engaged in flight on a rocket propelled or rocket launched aircraft • suicide, attempted suicide or intentionally self-inflicted injury Additionally, this insurance does not apply to any Accident, Accidental Bodily Injury or loss caused by or resulting from, directly or indirectly: 1) Common Carrier caused delays, unless they are as a result of an organized strike that affects public transportation; 2) travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any travel agent unless the cancellation is the result of severe weather or an organized strike affecting public transportation; 3) change in plans, financial circumstances and any business or contractual obligations of the Insured Person, Traveling Companion, Immediate Family Member of the Insured Person or Immediate Family Member of the Traveling Companion; 4) any occurrence while the Insured Person is incarcerated; 5) when: a) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury or loss; or b) there is any other legal prohibition against providing insurance for any Accident, Accidental Bodily Injury or loss; or 6) a declared or undeclared War The Trip Interruption benefit is excess over any travel insurance purchased by the Insured Person for the same Covered Trip or other indemnity by the airline, cruise line, railroad, station authority, occupancy provider available to the Insured Person.

Claim Information Answers to specific questions can be obtained by writing the Plan . To make a claim please the Plan . Plan Card Benefit Services P.O. Box 72034 Richmond, VA 23255

What types of documentation may be requested when a claim is submitted? Some of the documentation the Company may request includes, but is not limited to: • completed claim form • copy of the travel itinerary • confirmation of the reason for the Trip Cancellation or Trip Interruption—i.e. medical documents, death certificate, or other documentation ing a Covered Loss • copy of the Credit Card statement that shows the charge for prepaid travel arrangements for Trip Cancellation • proof of expenses incurred due to a Trip Interruption • a copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier For faster filing, or to learn more about the Trip Cancellation benefit, visit www.eclaimsline.com


51

How long do I have to file a claim after the event occurs? You must provide a written claim notice within twenty (20) days after the occurrence or commencement of any Loss covered by this policy or as soon as reasonably possible. The notice must include enough information to identify you, and Chase Bank USA, N.A. and/or its s. Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible.

What happens after I send a claim notice to you? • Within fifteen (15) days of the Company’s receipt of your claim notice, the Company will send you or your designee forms to complete that provides the Company with Proof of Loss. • If you or your designee do not receive the forms, please send the Company a written description of the Loss. This written description should include information detailing the occurrence, type, and extent of the Loss for which the claim is made.


How soon after I provide Proof of Loss will I receive payment for my claim? You will receive payment for your claim for all losses covered under the plan within sixty (60) days after the Company receives the complete Proof of Loss if you, Chase Bank USA, N.A. and/or its s and beneficiary, where applicable, have complied with all the of the policy.

Will the benefits be payable to me? Yes, Trip Cancellation and Trip Interruption benefits are payable to you.

General questions that apply to Trip Cancellation and Trip Interruption insurance Do I need to notify anyone that I’ve booked travel arrangements to obtain this insurance? No, it’s not necessary for you to notify Chase Bank USA, N.A. and/or its s, the , or the Company when travel arrangements are purchased.

What types of prepaid travel arrangements are eligible for reimbursement? Some of the prepaid travel arrangements that are eligible for reimbursement include, but are not limited to, airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars. You will need to relinquish to the Company any unused vouchers, tickets, coupons or travel privileges for which you have been reimbursed.

52


If I charge multiple travel arrangements for myself and Immediate Family , do the benefits apply to each person? Yes, each traveler is eligible to receive the primary benefit up to the Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence.

What is the Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence? If more than one person insured under the same suffers a Covered Loss for the same Covered Trip, the Company will not pay more than:

Trip Cancellation

Trip Interruption

Trip Cancellation & Trip Interruption Maximum Limit of Insurance Per Occurrence

Twenty Thousand ($20,000.00) Dollars

Twenty Thousand ($20,000.00) Dollars

Maximum Benefit Amount per Twelve (12) Month Period

Forty Thousand ($40,000.00) Dollars

Forty Thousand ($40,000.00) Dollars

Benefit

If a Covered Loss results in Benefit Amounts becoming payable, which when totaled, exceed the applicable Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence, then the Trip Cancellation & Trip Interruption Maximum Limit of Insurance per Occurrence will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount.

Are my Immediate Family covered if I am not traveling with them? Yes. As long as you have charged the travel arrangements to your card, the Company will pay the corresponding benefit regardless of whether you are traveling with them, as subject to the and conditions of this description of coverage.

Definitions Accident or Accidental – a sudden, unforeseen, and unexpected event which: • happens by chance • arises from a source external to an Insured Person • is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof • occurs while you are insured under the benefit while it is in effect • is the direct cause of loss Accidental Bodily Injury – bodily injury, which: • is Accidental • is the direct cause of a loss • occurs while the Insured Person is insured under this policy, which is in effect


53

Accidental Bodily Injury does not include conditions caused by repetitive motion injuries or cumulative trauma not a result of an Accident, including, but not limited to Osgood-Schlatter’s Disease, bursitis, Chondromalacia, shin splints, stress fractures, tendinitis, and Carpal Tunnel Syndrome – Credit Card s Cardholder – an individual to whom a Credit Card has been issued by Chase Bank USA, N.A. and/or its s Change Fees – means any fee imposed by a Travel Supplier to change the date and/or time of prescheduled travel arrangements of a Covered Trip. Change fees also includes fees charged by a Rewards to redeposit Rewards used to book a Covered Trip into a Rewards . Change fees do not include a change in Common Carrier fare, occupancy provider rate, or new Common Carrier fares Common Carrier – any motorized land, water or air Conveyance, operated by an organization other than Chase Bank USA, N.A. and/or its s, organized and licensed for the transportation of engers for hire and operated by an employee or an individual under contract Company – Federal Insurance Company, also referred to as We, Us, or Our Covered Trip – any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your : • while the insurance is in effect • to a destination of greater than one (1) mile from your primary residence • and is for a time period that doesn’t exceed sixty (60) days in duration Covered Trip also includes covered trips awarded from frequent flier or points programs provided that all of the miles or points were accumulated from charges on the Insured Person’s . Credit Card – a payment medium that takes the form of a Credit Card, credit plate, charge plate, courtesy card or other identification card or device issued to you. You may use the Credit Card to purchase, hire, rent or lease property or services Dependent – your Dependent Child, Spouse or Domestic Partner Dependent Child – your unmarried child, Dependent on you for maintenance and , under the age of 24, under the age of 25 if enrolled as a full-time student at an Institution of Higher Learning or classified as an Incapacitated Dependent Child Domestic Partner – a person designated by you who is ed as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to you by blood; has exclusively lived with you for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with you at least 2 of the following financial arrangements: a t mortgage or lease, a t bank , t title to or ownership of a motor vehicle or status as a t lessee on a motor vehicle lease or a t Credit Card with a financial institution. Neither you nor Your Domestic Partner can be married to, nor in a civil union with, anyone else

54


Financial Insolvency – the inability of an entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations Immediate Family Member – your or your Spouse’s or Domestic Partner’s children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephew Incapacitated Dependent Child – a child who, as a result of being mentally or physically challenged, is permanently incapable of self- and permanently Dependent on you for and maintenance. The incapacity must have occurred while the child was either under the age of 24 or under the age of twenty-five (25) if the child had been enrolled as a full-time student at an Institution of Higher Learning Institution of Higher Learning – any accredited public or private college, university, professional trade or vocational school beyond the 12th grade Insured Person – you, as the Primary Insured Person, and Immediate Family traveling with you on a Covered Trip Loss of Life – death, including clinical death, as determined by the local governing medical authority where such death occurs within 365 days after an Accident Non-Refundable – money paid by you or your Spouse or Domestic Partner, if covered under the policy, for a Covered Trip: • in which will be forfeited under the of the agreement made with the Travel Supplier for unused travel arrangements • for which the Travel Agency or Travel Supplier will not provide any other form of compensation Physician – a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include you, your Immediate Family Member, your employer or business partner or Chase Bank USA, N.A. and/or its s Pre-Existing Condition – illness, disease or Accidental injury of you, your Traveling Companion, your Immediate Family Member or the Immediate Family Member of the Traveling Companion, for which medical advice, diagnosis, care or treatment was recommended or received within the 60-day period immediately prior to the purchase of a Covered Trip. The taking of prescription drugs or medication for a controlled condition throughout this 60-day period will not be considered to be a treatment of illness or disease Primary Insured Person – the Cardholder Proof of Loss – written evidence acceptable to Us that an Accident, Accidental Bodily Injury or loss has occurred Rewards – means points, miles, cash Rewards, or any other type of redeemable Rewards, provided that all Rewards have been accumulated through use of Chase Bank USA, N.A. and/or its s sponsored Rewards program Sickness – means an illness or disease which is diagnosed or treated by a Physician after an Insured Person’s effective date of coverage under the Policy. Spouse – your husband or wife who is recognized as such by the laws of the jurisdiction in which you reside


55

Travel Agency – an entity with whom travel arrangements were made for an Insured Person and purchased by you using your Tour Operator – an entity which organizes travel components into packaged arrangements for sale directly to the travelling public Travel Supplier – a Tour Operator, occupancy provider, cruise line, airline, railroad or other Common Carriers Traveling Companion: an individual who has made advanced arrangements with you to travel together for all or part of the Covered Trip War – hostilities following a formal declaration of war by a governmental authority; in the absence of a formal declaration of war by a governmental authority, armed, open and continuous hostilities between two countries or armed, open and continuous hostilities between two factions, each in control of territory or claiming jurisdiction over the geographic area of hostility General Provisions: The We, Us and Our below refer to Federal Insurance Company. The following provisions apply to the Insured Persons: Legal Actions: No legal action may be brought before sixty (60) days after written Proof of Loss has been furnished as required by the Policy. No such action may be brought after three (3) years from the time written Proof of Loss is required to be furnished. Physical Examination and Autopsy: While a claim is pending We have the right, at Our expense to: 1) have the person who has a loss examined by a Physician when and as often as We feel is necessary; and 2) make an autopsy in case of death where it is not forbidden by law. Examination under Oath: We have a right to examine under oath, as often as We may reasonably require, the Insured Person or the beneficiary. We may also require the Insured Person or the beneficiary to provide a signed description of the circumstances surrounding the Loss and their interest in the Loss. The Insured Person and the beneficiary will also produce all records and documents requested by Us and will permit Us to make copies of such records or documents. In the event of a claim under this policy, the Insured Person or the beneficiary, if applicable, must fully cooperate with Us in Our handling of the claim, including, but not limited to, the timely submission of all medical and other reports, and full cooperation with all physical examinations and autopsies that We may require. If We are sued in connection with a claim under this policy, then the Insured Person or the beneficiary must fully cooperate with Us in the handling of such suit. Chase Bank USA, N.A. and/or its s, the Insured Person or the beneficiary must not, except at their own expense, voluntarily make any payment or assume any obligation in connection with any suit without Our prior written consent. Concealment or Fraud: Insurance under the policy is void if any Insured Person has intentionally concealed or misrepresented any material fact relating to this policy before or after a loss or any Insured Person files a false report of a Loss. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions Apply. Chubb, Box 1615, Warren, N.J. 07061-1615. As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a

56


contract of insurance but is a summary of the principal provisions of the insurance while in effect. Policy # 9907-28-44 Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, is the underwriter of this insurance policy and is solely responsible for its istration and claims.

Trip Delay Reimbursement Benefit Information What is Trip Delay Reimbursement? Trip Delay Reimbursement covers up to a maximum of five hundred ($500.00) dollars for each purchased ticket for reasonable expenses, on a one-time-basis, incurred if your Covered Trip is delayed by a Covered Hazard for more than six (6) hours or requires an overnight stay. To be eligible for this coverage, you need to purchase either a portion or the entire cost of your Common Carrier fare using your . Coverage is in excess of any expenses paid by any other party, including applicable insurance.

Definitions A Covered Trip is a period of travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty-five (365) days away from your residence to a destination other than your city of residence. A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking. A Common Carrier is any land, water, or air conveyance that operates under a valid license to transport engers for hire and requires purchasing a ticket before travel begins. It does not include taxis, limousine services, commuter rail or bus lines, or rental vehicles.

Coverage Information Who is eligible for coverage? You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”), your spouse, and your dependent children under twenty-two (22) years of age are automatically covered when a portion or the entire cost of the Common Carrier fare, is purchased with your Chase credit card (“”).

What is covered? You are covered for reasonable additional expenses, including but not limited to meals, lodging, toiletries, medication and other personal use items that you encounter due to a Covered Hazard delay, as long as the services were not provided free of charge by the Common Carrier or any other party.

What is not covered? You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip. Also, prepaid expenses are not covered.


57

Claim Information How do I file a claim? You need to call the Benefit within sixty (60) days following the date of the delay. The Benefit will ask you for some preliminary claim information and send you a claim form. The completed claim form and requested documentation must be returned within one hundred (100) days of the date of the trip delay to the Benefit : Card Benefit Services P.O. Box 72034 Richmond, VA 23255 Failure to do so could result in the denial of your claim.

What documents do I need to submit with my claim? • Your completed and signed claim form • Your receipt showing that the travel fare was charged to your eligible card. If more than one method of payment was used, include documentation that shows a portion of the purchase was made with your . • A copy of the Common Carrier ticket • A copy of Your monthly billing statement (showing the last four [4] digits of the number) confirming the Common Carrier ticket was charged to the covered . (Only applicable if the travel itinerary does not reflect the last 4 digits of the number). • A statement from the Common Carrier indicating the reasons that the Covered Trip was delayed • Copies of itemized receipts for your claimed expenses. For food expenses, receipts are required, however itemized receipts are only required for bills of fifty ($50.00) dollars or more per covered traveler. • Any other documentation deemed necessary, in the Benefit ’s sole discretion, to substantiate the claim For faster filing, or to learn more about the Trip Delay benefit, visit www.eclaimsline.com Additional Provisions for Trip Delay Reimbursement: Trip Delay Reimbursement is supplemental to, and excess of any valid and collectible avenue or recovery which is available to you, the eligible Cardholder. The Benefit will reimburse the excess amount once all other coverage has been exhausted up to the limit of liability. You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims. If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim and your benefits may be canceled. Each Cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact by the Cardholder. Once you report an occurrence, a claim file will be opened and shall remain open for one hundred (100) days from the date of the trip delay. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit within one hundred (100) days of the occurrence.

58


After the Benefit has paid your claim, all your rights and remedies against any party in respect of the claim will be transferred to the Benefit to the extent of the payment made to you. You must give the Benefit all assistance as may reasonably be required to secure all rights and remedies. No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. No legal action against the Provider may be brought more than two (2) years after the time for giving proof of loss. Further, no legal action may be brought against the Provider unless all of the of the Guide to Benefits and policy have been complied with fully. This benefit is provided to eligible Cardholders at no additional cost. The and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefit described in this Guide to Benefits will not apply to Cardholders whose s have been suspended or canceled. Termination dates may vary by financial institutions. Chase can cancel or non-renew the benefit for Cardholders, and if they do, they will notify you at least thirty (30) days in advance. This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims. This information is a description of the benefit provided to you as an eligible Cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this insurance policy and is solely responsible for its istration and claims. The Benefit provides services on behalf of the Provider. Trip Delay-G-(08-18) FORM # CTRIDEL041116 6H


59

60


Bgc10721 Sapphire Reserve 3t2q4g

Overview 3z723u

More details 2i4a6q

Related Documents g842

Bgc10721 Sapphire Reserve 3t2q4g

Chase Sapphire 3s2h3j

Sapphire Case 2w6o21

Sapphire Blue k524s

Sapphire Manual Pn570590 3h586w

Reserve Deutsch e4z52

More Documents from "neha" 2g2be

Investment Pattern Of Investors (2) 4j5z3x

Kaplan Nbde I - Pathology 5m2230

Ergonomics In Daily Life 2sf2d

929

Google Leadership Style Democratic 4611h

Osho Jokes.pdf 5n6c2p