World EliteTM Mastercard® - Cardholder Guide to Benefits

Important information. Please read and save.

This Guide supersedes any guide or program description

You may have received earlier. This Guide to Beneﬁts contains

detailed information about beneﬁts available to You as a World

Elite Mastercard cardholder. All beneﬁts may not be listed in this

Guide to Beneﬁts. For more information about all the beneﬁts

available to you, visit the Rewards and Beneﬁts section of the

customer website at BarclaysUS.com.

World Elite

Mastercard

Mastercard Guide to Beneﬁts

Beneﬁts that are always with You

Cardholder

Guide to Benets

BAR-7306-3

Welcome to Your new guide to

beneﬁts. Please read carefully, each

beneﬁt description provides You with

the details on what coverage You have

and any exclusions and restrictions.

This Guide includes important details about the

beneﬁts that come with Your card at no additional

cost. Read ahead to learn how Barclays can provide

You peace of mind when traveling. Keep this Guide

in a safe place so You know how to make the most

of Your beneﬁts when You need them.

The beneﬁts, as described in this Guide, apply to

purchases made with Your Barclays World Elite

Mastercard on or after the effective date, and

this Guide then replaces any Summary or other

program description You may have received earlier.

From time to time beneﬁts may be modiﬁed,

updated or removed. All beneﬁts may not be listed

in this Guide to Beneﬁts. Please go to the Rewards

and Beneﬁts section of the customer website at

BarclaysUS.com for more information about all the

beneﬁts available to you and to view your current

Guide to Beneﬁts.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Key Terms 2

Cellular Telephone Protection 4

Mastercard ID Theft Protection

Mastercard Global Service 10

Concierge Services 12

Travel Assistance 13

Baggage Delay 15

Trip Cancellation And Interruption

Travel Accident Insurance 22

Auto Rental Collision Damage Waiver 27

Travel and Lifestyle Services 35

Account and Billing Information 35

Legal Disclosure 36

| TABLE OF CONTENTS

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

| KEY TERMS

The terms below provide detail to the bolded words

used throughout the document. More speciﬁc terms

are included in individual beneﬁt explanations,

where appropriate, and supersede the terms here.

Administrator means Sedgwick Claims Management Services, Inc.,

You may contact the administrator if You have questions regarding

this coverage or would like to make a claim. The administrator can

be reached by phone at 1-800-Mastercard. Authorized User

means an individual who is authorized to make purchases on the

covered card by the cardholder and is recorded by the Participating

Organization on its records as being an authorized user. Cardholder

means the person who has been issued an account by the

Participating Organization for the covered card. Charge means

any non-refundable amount paid to a travel supplier. Common

carrier means an air, land or water motorized transportation carrier

operating under a regularly published schedule and current license

as required by law for the conveyance of passengers. Common

carrier does not include helicopters, taxis, rental cars, hired

cars and private and contract carriers. Covered card means the

World Elite Mastercard card. Destination means the place where

You expect to travel on Your trip as indicated on Your common

carrier ticket. Domestic partner means an unmarried person in

an intimate, committed relationship of mutual caring. They must

share responsibility for basic living expenses with You. They must

be at least eighteen (18) years old and not currently married and/

or committed to another person. Evidence of Coverage (EOC)

means the document describing the terms, conditions, and

exclusions. The EOC, Key Terms, and Legal Disclosures are the

entire agreement between You and Us. Representations or promises

made by anyone that are not contained in the EOC, Key Terms, or

Legal Disclosures are not a part of Your coverage. Family member

means the spouse or domestic partner of You. It includes unmarried

children of You under nineteen (19) years of age. It also includes

unmarried children under twenty-six (26) years of age if a full-time

student at an accredited college or university. Injury means bodily

injury caused by an accident that occurs while You are covered

under this program, and results directly and independently of all

other causes of loss. The injury must be veriﬁed by a physician.

Medically imposed restrictions means a restriction certiﬁed by

Your physician prohibiting You from traveling on a common carrier.

Physician means a licensed medical, surgical, or dental practitioner

acting within the scope of his or her license. The treating physician

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

may not be You, Your family member, a traveling companion or

related to You by blood. Pre-existing medical condition means

any condition resulting from any injury or sickness affecting You,

a traveling companion, or a Family Member traveling with You

within the sixty (60) day period prior to the purchase date of Your

trip. The condition must have (a) ﬁrst manifested itself or exhibited

symptoms which would have caused one to seek diagnosis, care,

or treatment; (b) required taking prescribed drugs or medicine; or

by a physician. Taking maintenance medications for a condition

that is considered stable shall not be included as a pre-existing

medical condition. Return destination means the place to which

You expect to return from Your trip as indicated on Your common

carrier ticket. Sickness means an illness or disease that is

diagnosed or treated by a physician. Traveling companion means

any individual(s) with whom You have arranged to travel on the

same trip with the same itinerary and for which the cost of trip was

charged with Your covered card. Trip means a scheduled period

of travel with a destination and return destination away from Your

primary residence using a common carrier. Trip departure date

means the date on which You are originally scheduled to leave on

Your trip. United States Dollars (USD) means the currency of the

United States of America. We, Us, and Our refer to New Hampshire

Insurance Company, an AIG company. You and Your refer to the

cardholder or authorized user of the covered card.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

CELLULAR TELEPHONE

PROTECTION

Key Terms

Please see the ‘Key Terms’ section for the terms used

throughout this beneﬁt.

Evidence of Coverage

Refer to Key Terms for the deﬁnitions of you, your, we, us, our,

and words that appear in bold. This EOC is subject to the Legal

Disclosures set forth below.

A. To get coverage:

You must charge your monthly Eligible Cellular Wireless Telephone

bill to your Covered Card. You are eligible for coverage the ﬁrst

day of the calendar month following the payment of your Eligible

Cellular Wireless Telephone bill to your Covered Card. If you pay an

Eligible Cellular Wireless Telephone bill with your Covered Card and

fail to pay a subsequent bill to your Covered Card in a particular

month, your coverage period changes as follows:

1. Your coverage is suspended beginning the ﬁrst day of the

calendar month following the month of nonpayment to your

Covered Card; and

2. Your coverage resumes on the ﬁrst day of the calendar month

following the date of any future payment of your Eligible Cellular

Wireless Telephone bill with your Covered Card.

B. The kind of coverage you receive:

• Reimbursement for the actual cost to replace or repair

a Stolen or damaged Eligible Cellular Wireless Telephone.

• Coverage ends on the earliest of: The date you no longer are

a Cardholder; the date the Covered Card is determined to

be ineligible by the participating organization; the date the

participating organization ceases to pay premium on the

Group Policy; the date the participating organization ceases

to participate in the Group Policy; the date the Group Policy

is terminated.

To be eligible you must charge your

monthly eligible cellular wireless

telephone bill to your covered card.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

CELLULAR TELEPHONE

PROTECTION

C. Coverage limitations:

Coverage for a Stolen or damaged Eligible Cellular Wireless

Telephone is subject to the terms, conditions, exclusions, and

limits of liability of this beneﬁt. The maximum liability is $800 per

claim for World Elite Mastercard, and $1,000 per Covered Card

per 12-month period. Each claim is subject to a $50 deductible.

Coverage is limited to two (2) claims per Covered Card per

12-month period.

Coverage is excess of any other applicable insurance or indemnity

available to you. Coverage is limited only to those amounts not

covered by any other insurance or indemnity. In no event will this

coverage apply as contributing insurance. This “noncontribution”

clause will take precedence over a similar clause found in other

insurance or indemnity language.

D. What is NOT covered:

The following items are excluded from coverage under the

Group Policy:

• Eligible Cellular Wireless Telephone accessories other than

the standard battery and standard antenna provided by the

manufacturer;

• Eligible Cellular Wireless Telephones purchased for resale or for

professional or commercial use;

• Eligible Cellular Wireless Telephones that are lost or Mysteriously

Disappear;

• Eligible Cellular Wireless Telephones under the care and control

of a common carrier, including, but not limited to, the U.S. Postal

Service, airplanes or delivery service;

• Eligible Cellular Wireless Telephones Stolen from baggage unless

hand-carried and under the Eligible Person’s supervision or under

the supervision of the Eligible Person’s traveling companion who

is previously known to the Eligible Person;

• Eligible Cellular Wireless Telephones Stolen from

a construction site;

• Eligible Cellular Wireless Telephones which have been rented or

leased from a person or company other than a cellular provider;

• Eligible Cellular Wireless Telephones which have been borrowed;

• Eligible Cellular Wireless Telephones that are received as part of a

pre-paid plan;

• Cosmetic damage to the Eligible Cellular Wireless Telephone

or damage that does not impact the Eligible Cellular Wireless

Telephone’s ability to make or receive phone calls (including minor

screen cracks and fractures less than 2 inches in length that do

not prevent the ability to make or receive phone calls or to use

other features related to making or receiving phone calls);

• Damage or theft resulting from abuse, intentional acts, fraud,

hostilities of any kind (including, but not limited to, war, invasion,

rebellion or insurrection), conﬁscation by the authorities, risks

of contraband, illegal activities, normal wear and tear, ﬂood,

earthquake, radioactive contamination, or damage from inherent

product defects or vermin;

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

• Damage or theft resulting from mis-delivery or voluntary parting

from the Eligible Cellular Wireless Telephone;

• Replacement of Eligible Cellular Wireless Telephone(s) purchased

from anyone other than a cellular service provider’s retail or

internet store that has the ability to initiate activation with the

cellular service provider;

• Taxes, delivery or transportation charges or any fees associated

with the service provided; and

• Losses covered under a warranty issued by a manufacturer,

distributor or seller.

In addition, we shall not be deemed to provide cover and we shall

not be liable to pay any claim or provide any beneﬁt under the

Group Policy to the extent that the provision of such cover, payment

of such claim or provision of such beneﬁt would expose us, our

parent company or its ultimate controlling entity to any sanction,

prohibition or restriction under United Nations resolutions or the

trade or economic sanctions, laws or regulations of the European

Union or the United States of America.

E. How to ﬁle a claim

• Call 1-800-Mastercard or go to mycardbeneﬁts.com to open a

claim. You must report the claim within 90 days of the loss, or as

soon as reasonably possible, or the claim may not be honored.

Upon receipt of a notice of claim, we will provide you with the

necessary instructions for ﬁling proof of loss. Written proof of loss

must be submitted to our Administrator within 120 days of the loss

or the claim may not be honored. Required documentation may

include but is not limited to the following:

• Your card statement reﬂecting the monthly Eligible Cellular

Wireless Telephone payments for the month preceding

the date the Eligible Cellular Wireless Telephone was

Stolen or suffered damage;

• A copy of your current wireless service provider’s

billing statement;

• If a claim is due to damage, a copy of the repair estimate

and photos of the damage;

• If the claim is due to theft, a copy of the police report ﬁled

within 48 hours of the theft; and

• Any other documentation or information reasonably

requested by us to support the claim.

Please see the ‘Legal Disclosure’ section for all disclosures

for this beneﬁt.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Mastercard ID Theft Protection (IDT) provides you

with access to a number of Identity Theft resolution

services, should you believe you are a victim of

Identity Theft. This product offering will alert

you about possible identity theft by monitoring

the surface, dark and deep web, searching for

compromised credentials and potentially damaging

use of your registered personal information in order

to detect fraud at its inception.

Eligibility:

All Mastercard consumer credit cardholders in the US are eligible

for this coverage.

Access:

Simply contact 1-800-Mastercard if you believe you have

been a victim of Identity Theft.

Services provided:

Services provided are on a 24-hour basis, 365 days a year.

In order to receive the following services, you must enroll at

mastercardus.idprotectiononline.com.

The services include:

Online Monitoring Dashboard (requires activation):

The online monitoring dashboard is the primary user interface

for cardholders. It serves as a repository of all the personally

identiﬁable information (PII) data the cardholder wants to monitor,

tracks and displays cardholders’ risk score, and provides access to

identity protection tips. It is also the platform

for cardholders to respond to identity monitoring alerts.

Monthly Risk Alert / Newsletter:

Cardholders will receive a monthly newsletter with information on

the cardholder’s risk score, and articles pertaining to good identity

protection practices.

MASTERCARD ID

THEFT PROTECTION

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Identity Monitoring:

IDT searches the internet to detect compromised credentials and

potentially damaging use of your personal information, and alerts

you via email so that you can take immediate action. This platform

utilizes automated monitoring and human threat intelligence from

cyber operations agents monitoring threat actors and their tactics

on the deep and dark web where personal data is bought and sold.

Data elements that can be monitored are:

• Email addresses

• Debit/credit cards/prepaid cards

• Bank accounts

• Web logins; username and password

• Medical insurance cards

• Driver’s license

• Loyalty cards

• Afﬁnity cards

• Passport number

• Vehicle insurance cards

• Social Security number

To take advantage of this service, the cardholder must enter the

personal information they wish to monitor on the dashboard.

Resolution Services: You will have access to a team of identity

theft resolution specialists, available 24 hours a day, 365 days a

year to help resolve your identity theft incident and prevent further

damage. The resolution specialists are native speakers of English,

French and Spanish, and are based out of Bethesda, Maryland.

Cardholders are given the option to sign limited power of attorney

(LPOA) to the specialist, to allow them to conduct resolution

activities on the cardholders’ behalf, including contacting police,

credit agencies, and other authorities, translating information, and

closing and replacing breached accounts.

Lost Wallet Assistance: Cardholders will be provided assistance

with notifying the appropriate issuing authorities to cancel and

replace stolen or missing items, such as their debit/credit cards,

driver’s license, Social Security card, and passport.

Single Bureau Credit Monitoring: Cardholders’ TransUnion credit

ﬁle will be monitored for changes that could indicate fraud such as

new credit inquiries, an address change or new credit account(s)

opened in their name. An alert notiﬁcation via email will be sent

anytime a hard inquiry is made on the cardholders’ TransUnion

credit ﬁle so they can take immediate action to minimize damage.

To take advantage of this service, the cardholder must enter

their Social Security number on the dashboard and pass credit

authentication.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Financial Account Takeover: IDT monitors cardholder’s high risk

transactions with more than 300 of the nation’s largest companies

to uncover and thwart account takeover attempts.

Monitored transactions include:

• Debit/credit cards/prepaid cards

• Bank accounts

• Brokerage accounts

• Healthcare portals

• Workplace intranets

• Other services (e.g. peer-to-peer fund transfers)

To take advantage of this service, the cardholder must enter

the accounts they wish to protect on the dashboard.

URL and Domain Monitoring: URL and Domain monitoring allows

Cardholder to enter up to 10 domain or URL names related to

cardholder’s business. This service will monitor the domain and

URL names for any compromised email addresses associated with

the domain or URL names and if compromised email addresses

are found in a data breach, this service will alert the registered

cardholder via email and provide information regarding the speciﬁc

email address that was breached along with information about the

date found and source (provided that this information is available.)

For more information regarding the services stated

above and additional information, please visit

mastercardus.idprotectiononline.com.

Charges: There is no charge for these services, they are provided

by your ﬁnancial institution.

Services NOT Provided:

• When it is determined you have committed any dishonest,

criminal, malicious or fraudulent act.

• When your ﬁnancial institution or card issuer which provides

this service, has investigated the event and deemed you are

responsible for the charge or event.

• When any theft or unauthorized use of an account by a person

to whom the account has been entrusted has been committed.

Program Provisions for Mastercard ID Theft Protection:

This service applies only to you, the named Mastercard cardholder.

You shall use due diligence and do all things reasonable to avoid or

diminish any loss or damage to property protected by the program.

The provider, Generali Global Assistance, relies on the truth of

statement made in the afﬁdavit or declaration from each cardholder.

This service is provided to eligible Mastercard cardholders at no

additional cost and is in effect for acts occurring while the program

is in effect. The terms and conditions contained in this program

Guide may be modiﬁed by subsequent endorsements. Modiﬁcations

to the terms and conditions may be provided via additional Guide

mailings, statement inserts, or statement messages. Mastercard or

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

MASTERCARD

GLOBAL SERVICE

Get assistance anytime, anywhere for Your card-

related questions by calling 1-800-Mastercard.

Call Mastercard Global Service immediately to report Your card lost

or stolen and to cancel the account. If You need to make purchases

or arrange for a cash advance, with Your issuer’s approval, You can

receive a temporary card the next day in the United States, and

within two business days almost everywhere else. Remember, if You

report Your card lost or stolen, You will not be responsible for any

unauthorized transactions on Your account. In the United States

(including all 50 states, the District of Columbia, the U.S. Virgin

Islands, and Puerto Rico) and Canada, call 1-800-307-7309.

When out-of-country and in need of assistance, You can easily

reach a specially trained Mastercard Global Service Representative

who can help You 24 hours a day, 365 days a year, in any language.

You can call toll-free from over 80 countries worldwide.

your ﬁnancial institution can cancel or non-renew these services,

and if we do, we will notify you at least thirty (30) days in advance.

If the provider non-renews or cancels any services provided to

eligible Mastercard cardholders, you will be notiﬁed within 30–120

days before the expiration of the service agreement. In the event

substantially similar coverage takes effect without interruption,

no such notice is necessary. For general questions regarding these

services, please contact 1-800-Mastercard.

Need to make a claim?

To ﬁle a new claim visit MyCardBeneﬁts.com or call

1-800-Mastercard.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Some of the key toll-free Mastercard Global

Service telephone numbers are:

For additional information, or for country-speciﬁc, toll-free

telephone numbers not listed above, visit Our website at

mastercard.com or call the United States collect

at 1-636-722-7111.

Account Information and Card Beneﬁts:

When in the United States, contact Your card issuer directly for

account information and 1-800-Mastercard for card beneﬁts.

When traveling outside the U.S., call Mastercard Global Service to

access Your card issuer for account information or to access any of

Your card beneﬁts.

ATM Locations:

Call 1-877-FINDATM (1-877-346-3286) to ﬁnd the location of a

nearby ATM in the Mastercard ATM Network accepting Mastercard

Maestro

, and Cirrus

brands. Also, visit Our website at mastercard.

com to use Our ATM locator. You can get cash at over two million

ATMs worldwide. To enable cash access, be sure You know Your

Personal Identiﬁcation Number (PIN) before You travel.

Australia – 1-800-120-113

Austria – 0800-070-6138

France – 0-800-90-1387

Germany – 0800-819-1040

Hungary – 06800-12517

Ireland – 1-800-55-7378

Italy – 800-870-866

Mexico – 001-800-307-7309

Netherlands – 0800-022-5821

Poland – 0-0800-111-1211

Portugal – 800-8-11-272

Spain – 900-97-1231

United Kingdom – 0800-96-476

Virgin Islands – 800-307-7309

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Provides 24/7 personal concierge assistance

to enhance travel, dining and entertainment

experiences, provide household needs and

access to unique beneﬁts.

World Elite Mastercard offers You the Mastercard Concierge Service.

Imagine Your own Personal Assistant 24 hours a day, 7 days a week,

365 days of the year. Where knowledgeable experts can assist with

whatever You need, whenever You need it. This takes “Concierge

Service” to the next level with robust, personalized features that

will save You time and simplify Your day.

Beneﬁts include:

• Personal Proﬁle to track preferences for travel, hotels, dining,

entertainment, special occasions – and even food allergies.

• Local experts who can provide on-site assistance with everyday

household needs – like being there when the new appliance

is delivered, because You can’t be.

• Access to unique dining and entertainment venues to

turn a special occasion into a memorable experience.

• Reminder service for those dates or events that You can’t

afford to miss.

• Pre-trip planning services, providing You with critical information

in advance of Your trip including: 10-day weather forecast,

travel requirements, city-speciﬁc news and conditions, safety

and security advisory, suggested packing list, pre-arranged

conﬁrmations for dining and other services, top must-see

attractions, ﬁtness facilities, jogging paths and recreation within

close proximity of Your hotel, etc.

Let the Mastercard Concierge assist You today, so You can have

Your day back! Call the number on the back of your card and our

experts look forward to assisting you.

Costs of any goods or services provided by the concierge

will be billed to Your World Elite Mastercard.

| CONCIERGE SERVICES

Call the number on the back of your card any

time of day or night to speak to a concierge.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

| TRAVEL ASSISTANCE

Provides pre-trip destination information such as

visa/passport requirements, immunization, and

help with lost/stolen travel documents and luggage.

Also provides referrals to physicians, hospitals, and

attorneys, local embassies and consulates, if You

are traveling more than 100 miles from home.

Rely on Travel Assistance Services when You’re away from home.

Travel Assistance Services is Your guide to many important services

You may need when traveling. Beneﬁts are designed to assist You

or Your travel companions when You’re traveling 100 miles or more

from home. This is reassuring, especially when visiting a place

for the ﬁrst time or not speaking the language. For services, call

1-800-Mastercard. Enrollment is automatic and the assistance

service is free to cardholders. Please keep in mind that You will be

responsible for the fees incurred for professional or emergency

services requested of Travel Assistance Services (e.g., medical

or legal bills).

Travel Assistance Services are available worldwide, with the

exception of those countries and territories which may be involved

in an international or internal conﬂict, or in those countries and

territories where the existing infrastructure is deemed inadequate

to guarantee service. You may contact Us prior to embarking on a

covered trip to conﬁrm whether or not services are available at Your

destination(s).

MasterTrip

Travel Assistance

• Before You begin Your trip, MasterTrip provides information on

travel requirements including documentation (visas, passports),

immunizations or currency exchange rates. The exchange rate

provided may differ from the exact rate that issuers use for

transactions on Your card. Information on exchange rates for

items billed on Your statement should be obtained from the

Beneﬁts are designed to assist You or Your

travel companions when You’re traveling

100 miles or more from home.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

ﬁnancial institution that issued Your card. MasterTrip will also help

You locate any lost or stolen travel materials, including luggage.

This is not an insurance policy for lost/stolen luggage and We do

not reimburse You for a permanent loss.

• If You have a travel emergency and need cash, MasterTrip can

arrange to transfer up to $5,000 from a family member, friend,

or business account.

• This service does not provide maps or information regarding

road conditions.

Travel Services Medical Assistance

• Provides a global referral network of general physicians, dentists,

hospitals and pharmacies. We can also help You reﬁll prescriptions

with local pharmacists (subject to local laws).

• In the event of emergencies, a stateside physician or nurse can

be contacted for consultation with the local medical staff and to

monitor Your condition. If You are hospitalized, We can arrange

to have messages relayed home, transfer You to another facility

if medically necessary, or have a family member or close friend

brought to Your bedside if You have been traveling alone (at

cardholder’s expense). If a tragedy occurs, we’ll assist in securing

travel arrangements for You and Your travel companion(s).

MasterLegal® Referral Service

• Provides You with English-speaking legal referrals or consults with

appropriate embassies and consulates regarding Your situation.

• Will assist in transfers up to $5,000 in cash from a family member,

friend or business to cover legal fees or to post bail. There is

no charge for referral services; however, legal and bail fees are

Your responsibility.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

As an eligible Cardholder, You, your Spouse or

Domestic Partner and your Dependent Children

are eligible for Baggage Delay Insurance.

Coverage is provided automatically when a portion

of the cost of the Trip is charged to your Barclays

Bank Card account while the Insurance is effective.

Coverage is provided at no cost to eligible Barclays

Bank Cardholders.

Deﬁnitions

Account means eligible credit card accounts. Baggage means

suitcases and the containers speciﬁcally designated for carrying

personal property, and the personal property contained therein.

Baggage Delay means a delay or misdirection of the Covered

Person’s Baggage by a Common Carrier for more than 4 hours

from the time the Covered Person arrives at the destination on the

Covered Person’s ticket. Cardholder means an individual who is

named on the Account issued by Barclays Bank. Common Carrier

means any commercially licensed motorized land, water or air

Conveyance, operated by an organization organized and licensed

for the transportation of passengers for hire and operated by

an employee or an individual under contract. Company means

Federal Insurance Company. Conveyance means any motorized

craft, vehicle or mode of transportation licensed or registered by

a governmental authority with competent jurisdiction. Covered

Person means a person as indicated above qualifying as eligible for

beneﬁts. Dependent Child means the Insured Person’s unmarried

child from the moment of birth, including a natural child, grandchild,

stepchild or adopted child from the date of placement with the

Insured Person. The Dependent Child must be primarily dependent

upon such Insured Person for maintenance and support, and must

be under the age of twenty-six (26) or classiﬁed as an Incapacitated

Dependent Child. Domestic Partner means a person designated

by the Covered Person who is registered as a Domestic Partner or

legal equivalent under laws of the governing jurisdiction or who:

| BAGGAGE DELAY

You must charge the entire cost of the

passenger fare(s) to Your Mastercard for the

insurance to be effective.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

1) is at least 18 years of age and competent to enter into a contract;

2) is not related to the Covered Person by blood; 3) has exclusively

lived with the Covered Person for at least twelve (12) consecutive

months prior to the date of enrollment; 4) is not legally married or

separated; and 5) as of the date of enrollment, has with the Covered

Person at least two (2) of the following ﬁnancial arrangements:

a) a joint mortgage or lease; b) a joint bank account; c) joint title

to or ownership of a motor vehicle or status as a joint lessee on

a motor vehicle lease; or d) a joint credit card account with a

ﬁnancial institution. Neither the Covered Person nor the Domestic

Partner can be married to, or in a civil union with, anyone else.

Incapacitated Dependent Child means any person who, as a result

of being mentally or physically challenged, is permanently incapable

of self-support and permanently dependent on the Insured Person

for support and maintenance, as evidenced by United States income

tax returns showing such person as dependent. Insured Person

means the Covered Person who has a direct relationship with

Barclays Bank. Proof of Loss means written evidence acceptable

to Us that a loss has occurred. Recreational Equipment means

any equipment: 1) that is used to engage in a particular sport,

hobby, game, excursion, or other recreational activity; and 2) for

which the Covered Person has the requisite license or permit to

own or operate if a license or permit is required. Spouse means

the Covered Person’s husband or wife who is recognized as such

by the laws of the jurisdiction in which the Covered Person resides.

Spouse includes Domestic Partners or Covered Persons joined by

Civil Unions where applicable by law. Trip means any travel booked

through a Common Carrier for which any portion of the cost has

been charged to the Insured Person’s Account issued by Barclays

Bank. We, Us and Our means Federal Insurance Company.

We will reimburse you, your Spouse or Domestic Partner and your

dependents in the event of a Baggage Delay and for each additional

24-hour period beyond the initial Baggage Delay. In no event will We

reimburse more than $100 per day for up to 3 days. The beneﬁt is

ﬁrst payable after 4 hours of delay and then for each additional 24

hour period thereafter. Our payment is limited to expenses incurred

for the emergency purchase of essential items, such as toiletries,

clothing and chargers for electronic equipment (limit of one (1)

per device), needed by the Covered Person during a qualifying

Baggage Delay.

This beneﬁt is payable on an excess basis over and above any

amount due from any other valid or collectible insurance or

any other form of reimbursement payable by those responsible

for the loss.

Essential items not covered by Baggage Delay include,

but are not limited to:

• Hearing aids;

• Artiﬁcial teeth, dental bridges or prosthetic devices;

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

• Tickets, documents, money, securities, checks, travelers

checks and valuable papers;

• Business samples;

• Jewelry and watches;

• Cameras, video recorders and other electronic equipment; or

• Recreational Equipment.

We will not reimburse the Covered Person for Baggage Delay

unless the delay was reported by the Covered Person to the

Common Carrier.

Payment of this beneﬁt is subject to Our receipt of satisfactory

Proof of Loss. Proof of Loss includes, but is not limited to:

• Copies of the notiﬁcation and reporting ﬁled with the

Common Carrier and all related correspondence;

• Details of the amount paid or payable by the Common

Carrier responsible for the loss; and

• Receipts for emergency purchase of essential items.

Receipts are not required for items under $25.

Claim Forms

When We receive notice of a claim, We will send you within ﬁfteen

(15) days, forms for giving Proof of Loss to Us. If you do not receive

the forms, you should send Us 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.

Claim Notice

Written claim notice must be given to Us within ninety (90)

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 Covered Person.

How to ﬁle a claim:

For claims related matters only please contact the

Claim Administrator. To ﬁle a claim please call 855-830-

3721. Claims are processed by the Claim Administrator,

Broadspire, a Crawford company. Complete all items on

the required claim form, attach all appropriate documents,

and mail or fax to: Broadspire, a Crawford company,

P.O. Box 459084, Sunrise, FL 33345 Fax Number 855-

830-3728. Once a claim number is assigned, supporting

documentation for the claim can also be submitted

through myclaimsagent.com. For all other inquiries please

call the number on the back of your card.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Failure to give claim notice within ninety (90) days will not invalidate

or reduce any otherwise valid claim if notice is given as soon as

reasonably possible.

Claim Proof of Loss

Complete Proof of Loss must be given to Us 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. We have a right to examine

under oath, as often as We may reasonably require, the Covered

Person or the Covered Person’s authorized representative, if

applicable. We may also require the Covered Person or the Covered

Person’s authorized representative, if applicable, to provide a signed

description of the circumstances surrounding the loss and their

interest in the loss. The Covered Person or the Covered Person’s

authorized representative, if applicable, will also produce all records

and documents requested by Us and will permit Us to make copies

of such records or documents 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

simply an informative statement of the principal provisions of the

insurance while in effect. Complete provisions pertaining to this plan

of Insurance are contained In the master policy 9908-14-47. If this

plan does not conform to your state statutes, it will be amended to

comply with such laws. Chubb is the marketing name used to refer

to subsidiaries of Chubb Limited providing insurance and related

services. For a list of these subsidiaries, please visit our website at

new.chubb.com. Insurance provided by Federal Insurance Company.

All products may not be available in all states. This communication

contains product summaries only. Coverage is subject to the

language of the policies as actually issued. Chubb, PO Box 1600,

Whitehouse Station, NJ 08889-1600.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Coverage is secondary to any other

applicable insurance or beneﬁt available

to you including beneﬁts provided by your

airline such as exchanged tickets, goodwill

payments, refunds, credits, or vouchers.

Covers You and Your family for the cost for

nonrefundable trip expenses if certain unforeseen

events cause You to cancel or interrupt Your trip.

Deﬁnitions

Injury means bodily injury caused by an accident that occurs

while You are covered under this program, and results directly

and independently of all other causes of loss. The injury must be

veriﬁed by a physician. Travel supplier means a tour operator,

occupancy provider, cruise line, airline, railroad or other Common

Carriers. Trip Cancellation means the cancellation of travel

arrangements when the Eligible Traveler is prevented from

traveling on a Common Carrier for a Trip on or before the

departure of the Trip. Trip Interruption means the interruption

of the Trip either on the way to the point of departure or after

departure of the Trip.

Refer to Key Terms on page 2 for other deﬁnitions and words

that appear in bold as well as Legal Disclosures at the end of

this booklet.

A. To get coverage:

You must purchase the trip with Your covered card and/or

accumulated rewards from Your covered card for You, or Your

family member, and Your traveling companions. Family member(s)

do not need to travel with the cardholder to receive coverage. If the

trip is not purchased entirely with Your covered card, We will only

pay for the percentage of the eligible claim based on the percentage

of the trip purchased on the covered card.

If redeemable certiﬁcates, vouchers, coupons, or discounts

awarded from frequent ﬂier programs are used to purchase the

trip, any remaining charge for the trip must be purchased entirely

with Your covered card.

TRIP CANCELLATION

AND INTERRUPTION

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

B. Covered Reasons:

1. Sickness, injury, or death of You, Your family member, or Your

traveling companion, booked to travel with You which results

in medically imposed restrictions. A physician must advise

cancellation of Your trip on or before the trip departure date.

2. Inclement weather, which prevents a reasonable and prudent

person from traveling or continuing on a trip (a person must

cancel their entire trip because severe weather or a natural

disaster causes all travel to or from their destination to stop

for at least 24 hours); or

3. Change in military orders of You or Your spouse; or

4. Terrorist action or hijacking; or

5. Call to jury duty or subpoena by the courts, either of which

cannot be postponed or waived; or

6. You or traveling companion’s dwelling made uninhabitable; or

7. Quarantine imposed by a physician for health reason.

C. The kind of coverage You receive:

We will reimburse You for any incurred charge if You are required

to cancel Your trip, prior to Your trip departure date, due to

a covered reason. You must cancel Your trip with Your travel

supplier as soon as the covered reason arises. You must also

advise the administrator immediately, as We will not pay beneﬁts

for any additional charges incurred that would not been charged

had You notiﬁed the travel supplier and the claim administrator

as soon as reasonably possible.

If the trip is interrupted for a covered reason, We will reimburse

You for the travel on a common carrier to Your return destination

or to rejoin Your family members or travel companions at their

current location.

Terms of Coverage

Coverage begins on the date the Trip was purchased and ends

immediately at the time the Trip is completed.

Coverage Limitations:

Coverage is limited to the lesser of the following:

• $5,000 per trip; or

• $10,000 per 12 month period; or

• The original cost of the common carrier ticket for the trip.

Coverage is secondary to any other applicable insurance or beneﬁt

available to You including beneﬁts provided by the Travel Provider

(including, but not limited to, exchanged tickets, drop in ticket

prices, goodwill payments, refunds, credits, or vouchers).

D. What is NOT covered:

• Pre-existing medical conditions.

• Intentionally self-inﬂicted injuries, including suicide or

attempted suicide.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

• War, invasion, acts of foreign enemies, hostilities between nations

(whether declared or not) civil war.

• Piloting or learning to pilot or acting as a member of the crew of

any aircraft.

• Mental or emotional disorders, unless hospitalized.

• Participation in professional athletics or underwater activities.

• Being under the inﬂuence of drugs or intoxicants.

• Commission of or the attempt to commit a criminal act.

• Participating in bodily contact sports (ex. boxing); skydiving;

hang gliding; parachuting; mountaineering; any race; bungee cord

jumping; or speed contest.

• Dental treatment except as a result of accidental injury to sound,

natural teeth.

• Any non-emergency treatment or surgery, routine physical

examinations.

• Hearing aids, eye glasses or contact lenses.

• Curtailment or delayed return for other than a covered reason.

• One-way travel that does not have a return destination.

E. How to ﬁle a claim:

• Visit MyCardBeneﬁts.com or call 1-800-Mastercard to open

a claim. You must report the claim within sixty (60) days of the

covered Trip Cancellation or Trip Interruption or the claim may

not be honored.

• Submit the following documentation within one hundred and

eighty (180) days from the date of failure or the claim may not

be honored:

• Covered card billing statement showing the charge

for the covered trip.

• Proof of a covered reason. Examples, orders to report

for active duty, subpoena to appear in court, etc.

• For sickness, injury or death, a completed physician’s form.

• Copy of the cancellation policy of the common carrier.

• Any other documentation that may be reasonably requested

by Us or Our designated representative to validate a claim.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

| TRAVEL ACCIDENT INSURANCE

Provides insurance against accidental loss of life

or injury while traveling for You and Your family.

Deﬁnitions

Accident or Accidental means a sudden, unforeseen and

unexpected event happening by chance. Accident includes

unavoidable exposure to elements arising from a covered Hazard.

Account means eligible credit card accounts, or debit card accounts

issued by Barclays Bank. Beneﬁt Amount means the Loss amount

applicable at the time the entire cost of the passenger fare is

charged to an eligible account. Common Carrier means any land,

water or air conveyance operated by those whose occupation or

business is the transportation of persons without discrimination

and for hire. Company means the Federal Insurance Company.

Covered Trip means travel on a Common Carrier when the entire

cost of the passenger fare for such transportation, less redeemable

certiﬁcates, vouchers or coupons, has been charged to an Account

issued by the Policyholder. Dependent Child(ren) means those

children, including adopted children and children placed for

adoption, who are primarily dependent upon the for maintenance

and support and who are: 1) under the age of nineteen (19) and

reside with the Policyholder; or 2) beyond the age of nineteen (19),

permanently mentally or physically challenged, and incapable of

self-support; or 3) under the age of twenty-ﬁve (25) and classiﬁed

as a fulltime student at an institute of higher learning. Domestic

Partner means a person designated in writing by the Accountholder

who is at least eighteen (18) years of age, and who during the past

twelve (12) months: 1) has been in a committed relationship with

the primary Accountholder and 2) has been the Accountholders

sole spousal equivalent; and 3) has resided in the same household

as the primary; and 4) has been jointly responsible with the

Accountholder for each other’s ﬁnancial obligation, and who intends

to continue the relationship above indeﬁnitely. Loss of Foot means

the complete severance through or above the ankle joint. We will

consider it a Loss of Foot even if the foot is later reattached. Loss of

Hand means complete severance through or above the knuckle

joints of at least 4 ﬁngers on the same hand or at least 3 ﬁngers

and the thumb on the same hand. We will consider it a Loss of

Hand even if the ﬁngers and/or thumb are later reattached. Loss of

Hearing means the permanent and irrecoverable Loss of Hearing in

both ears, as determined by a Physician. Loss of Life means death,

including clinical death determined by the local governing medical

authorities. Loss of Sight of an Eye means the permanent loss of

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

| TRAVEL ACCIDENT INSURANCE

vision in one eye. Remaining vision must be no better than 20/200

using a corrective aid or device as determined by a Physician.

Loss of Speech means the permanent and irrecoverable total loss

of the capability of speech without the aid of mechanical devices,

as determined by a Physician. Loss of Thumb and Index Finger

means complete severance through or above the knuckle joints

of the thumb and index ﬁnger of the same hand. We will consider

it a Loss of Thumb and Index Finger even if one or both are later

reattached. Physician means a person who is licensed as a medical

doctor or a doctor of osteopathy by the laws of the jurisdiction in

which treatment is given and who is qualiﬁed to provide the medical

treatment. A Physician does not include a family member of the

Insured Person, a social worker, a physical therapist or an intern.

Policyholder means Financial Customer Insurance Trust.

What is Travel Accident Insurance?

Travel Accident Insurance provides coverage against accidental loss

of life, limb, sight, speech or hearing while riding as a passenger in,

entering or exiting any licensed Common Carrier while the Insured

Person is on a Covered Trip. Coverage is also extended while the

Insured Person is riding as a passenger in, entering or exiting any

Common Carrier during travel to or from the airport, terminal, or

station: 1) immediately preceding the departure of the scheduled

Common Carrier on which the has purchased passage; and

2) immediately following the arrival of the scheduled Common

Carrier on which the Insured Person was a passenger. This coverage

extension does not include any courtesy transportation provided

without a speciﬁc charge. If the entire cost of the passenger

fare has not been charged to an eligible Account prior to your

arrival at the airport, terminal or station, coverage begins at the

time the entire cost of the travel passenger fare is charged to

an eligible Account.

How is Travel Accident Insurance Activated?

Eligible Accountholders, their Spouse or Domestic Partner, and

Dependent Children are COVERED AUTOMATICALLY when the

entire cost of the passenger fare(s), less redeemable certiﬁcates,

vouchers or coupons, has been charged to an eligible Account

account issued by Barclays Bank. The Spouse or Domestic Partner,

and Dependent Children do not need to be traveling with the

Accountholder for coverage to be in effect. It is not necessary for

you to notify Barclays Bank, the administrator or the Company

when tickets are purchased. This insurance plan is provided at

NO COST to eligible cardholders. This insurance is effective on

the date that the eligible Account becomes active, and will cease

on the date the Master Policy 9908-14-49 is terminated or on the

date the eligible account ceases to be in good standing, whichever

occurs ﬁrst.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Disappearance of a Conveyance: If the Insured Person has not

been found within one (1) year of the disappearance, stranding,

sinking, wrecking or breakdown of any conveyance in which the

was covered as an occupant, it will be assumed, subject to all other

terms of coverage, that the Insured Person has suffered Loss of Life.

Maximum limit of Insurance for all

Insured Persons Traveling Together

In the event of multiple Accidental deaths per Account arising

from any one Accident, the Company’s liability for all such Losses

will be limited to a Maximum Limit of Insurance equal to three (3)

times the applicable Beneﬁt Amount for Loss of Life. Beneﬁts will

be proportionately divided among the Insured Persons up to the

Maximum Limit of Insurance.

How much coverage is provided?

Loss Due to

an Accident

Loss of Speech and Loss of Hearing

Speech and Loss of one of:

Hand, Foot or Sight of One Eye

Hearing and Loss of one of:

Hand, Foot or Sight of One Eye,

Both Hands, Loss of Both Feet,

Loss of Sight of Both Eyes or a

Combination of any two of a

Loss of Hand, a Loss of Foot

or Loss of Sight of One Eye

One Hand, Loss of One Foot

or Loss of Sight of One Eye

Speech or Loss of Hearing

Thumb and Index Finger

of the same hand

(Percentage of Loss of

Life Beneﬁt Amount)

100%

50%

25%

Insured Person

Eligible Cardholders

The Spouse or Domestic Partner

of Eligible Cardholders

The Dependent Child(ren) of

Eligible Cardholders

Loss of Life Beneﬁt Amount

$250,000

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Exclusions to Coverage

This insurance does not cover loss resulting from: 1) an Insured

Person’s emotional trauma, mental or physical illness, disease,

pregnancy, childbirth or miscarriage, bacterial or viral infection

(except bacterial infection caused by an accident or from accidental

consumption of a substance contaminated by bacteria), or bodily

malfunctions; 2) suicide, attempted suicide or intentionally self-

inﬂicted injuries; 3) declared or undeclared war, but war does not

include acts of terrorism; 4) travel between the Insured Person’s

residence and regular place of employment; or 5) an Accident while

an Insured Person is in, entering or exiting any aircraft while acting

or training as a pilot or crew member, but this exclusion does not

apply to passenger who temporarily perform pilot or crew functions

in a life threatening emergency.

Who is the Beneﬁciary?

The Loss of Life beneﬁt will be paid to the beneﬁciary designated

by the insured Person. If no such designation has been made, that

beneﬁt will be paid to the ﬁrst surviving beneﬁciary in the following

order: a) the Insured Person’s spouse, b) the Insured Person’s

children, c) the Insured Person’s parents, d) the Insured Person’s

brothers and sisters, e) the Insured Person’s estate. All other

indemnities will be paid to the Insured Person.

Claims Provisions

What Documents are Required to Substantiate a Loss?

Some of the documentation that may be requested by the Company

includes but is not limited to 1) A completed claim form; 2) a copy

of the travel itinerary; 3) a police report conﬁrming the claimed

Accident; 4) A copy of the credit card statement that shows the

charge for the Common Carrier or Scheduled Airline fare; and 5) a

copy of the death certiﬁcate.

How Soon After a Loss Must Claim Notice be Given?

Written claim notice must be given to the Company within 20 days

after the occurrence of any loss covered by this policy or as soon

How to ﬁle a claim:

To ﬁle a claim please call 1-800-Mastercard. Claims are

processed by the Claim Administrator, Broadspire, a

Crawford company. Complete all items on the required

claim form, attach all appropriate documents, and mail

or fax to: Crawford and Company, P.O. Box 4090, Atlanta,

GA 30302, Fax Number 855-830-3728. Please reference

policy #9908-14-49

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

as reasonably possible Failure to give notice within 20 days will not

invalidate or reduce any otherwise valid claim if notice is given as

soon as reasonably possible.

How Soon Will Claims Forms be Sent?

When the Company receives notice of a claim, the Company will

send you forms for giving proof of loss to us within 15 days. If you

do not receive the forms, you should send the Company a written

description of the loss.

How Soon Must Proof of Loss be Submitted?

For all claims, complete proof of loss must be given to us within

90 days after the date of loss, or as soon as reasonably possible.

Failure to give complete proof of loss within these time frames will

not invalidate any otherwise valid claim if notice is given as soon

as reasonably possible and in no event later than 1 year after the

deadline to submit complete proof of loss.

How Soon Will Payment be Made After Proof of Loss is

Submitted? For all beneﬁts, the Company will pay you or your

beneﬁciary the applicable beneﬁt amount within 60 days after

complete proof of loss is received and if you, the Policyholder and/

or the beneﬁciary have complied with all the terms of this policy.

I Have Questions That are Not Addressed Above

Answers to speciﬁc questions can be obtained by writing the Plan

Administrator: Direct Marketing Group, 13265 Bedford Avenue,

Omaha, NE 68164

Important Information Regarding This Insurance

No legal action may be brought to recover on this policy until

sixty (60) days after we have been given complete written Proof

of Loss. No such action may be brought after three (3) years from

the time written Proof of Loss is required to be given. No such

action may be brought unless there has been full compliance with

all of the terms of this policy. In no case will we be liable for beneﬁts

that are not payable under the terms of this policy or that exceed

the applicable Beneﬁt

Amounts or Limits of Insurance.

If you make a claim knowing it to false or fraudulent in any respect,

no coverage shall exist for such claim and your beneﬁts may be

canceled. Each claimant 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. This beneﬁt is provided to

eligible cardholders at no additional cost. The terms and conditions

contained in this Guide to Beneﬁts may be modiﬁed by subsequent

endorsements. Modiﬁcations to the terms and conditions may be

provided by way of additional Guide to Beneﬁt mailings, statement

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

AUTO RENTAL COLLISION

DAMAGE WAIVER

You must decline the optional collision/

damage waiver (or similar coverage)

offered by the rental company.

Deﬁnitions

Actual Cash Value means the amount a Rental Vehicle is

determined to be worth based on its market value, age, and

condition at the time of loss. Covered Territory means any country,

commonwealth, protectorate, or political division in which a Rental

Vehicle is taken possession by an Eligible Renter. Eligible Account

means the account associated with a U.S. issued consumer credit

card, debit card, checking account, line of credit, loan, certiﬁcate

of deposit, or other account that is eligible for coverage under the

Group Policy. Eligible Renter means a Cardholder or his or her

spouse who charges the entire cost of a Rental Vehicle to the

Cardholder’s Covered Card and who is named as the primary driver

on the Rental Car Agreement for the Rental Vehicle. Group Policy

means the Auto Rental Insurance Policy entered between New

Hampshire Insurance Company, an AIG Company, and mastercard

Insurance Master Trust, which is the subject of this Guide to

Beneﬁts. Malicious Vandalism means the wanton, reckless, and

mischievous destruction of any part or all of the Rental Vehicle

inserts or statement messages. The beneﬁt described in this Guide

to Beneﬁt will not apply to cardholders whose accounts have been

suspended or canceled. 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

simply an informative statement of the principal provisions of the

insurance while in effect. Complete provisions pertaining to this

plan of Insurance are contained In the master policy 9908-14-49

on ﬁle with the Policyholder: The Financial Customer Insurance

Trust. If this plan does not conform to your state statutes, it will

be amended to comply with such laws. Insurance beneﬁts are

underwritten by Federal Insurance Company. Coverage may not

be available in all states or certain terms may be different where

required by state law. Chubb NA is the U.S.-based operating division

of the Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB)

Insurance products and services are provided by Chubb Insurance

underwriting companies and not by the parent company itself.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

by parties unknown to an Eligible Renter under circumstances

that prevent the Eligible Renter from exercising due diligence

with regard to the protection of the Rental Vehicle. Reasonable

and Customary Charge means a charge customarily made by

other vendors/providers for a given service in the same geographic

area and reﬂects the complexity of the service taking into account

availability of experienced repair personnel, availability of parts, and

the effort of the vendor/provider to repair the damaged vehicle as

measured by the ratio of total repair time to total time the vehicle is

in the vendor/provider’s possession. Rental Car Agreement means

the entire agreement or contract that an Eligible Renter signs and

receives when renting a Rental Vehicle from a rental car agency

that describes in full all of the terms and conditions of the rental, as

well as the responsibilities of all parties under the contract. Rental

Vehicle means a land motor vehicle with four or more wheels that

an Eligible Renter rented for the period of time shown on the

Rental Car Agreement. Refer to Section D of the EOC for further

exclusions and limitations.

Evidence of Coverage

Refer to Key Terms for the deﬁnition of you, your, we, us, our,

and words that appear in bold. This EOC is subject to the Legal

Disclosures set forth below.

A. To receive coverage:

• The Eligible Renter must be named as the primary driver on the

Rental Car Agreement.

• The Eligible Renter must take possession of the Rental Vehicle.

• The Eligible Renter must decline the full collision/damage waiver

or similar option—or only purchase a partial collision damage

waiver—offered by the rental car company.

• The Eligible Renter must pay the entire cost of the Rental Vehicle

(tax, gasoline, and airport fees are not considered rental charges)

with your Covered Card or in combination with your Covered Card

and accumulated points on your Eligible Account. If the rental

car company requires a payment method to secure or to reserve

the Rental Vehicle for the rental period, the Eligible Renter must

secure, reserve, hold, or deposit the entire transaction for the

Rental Vehicle to your Covered Card.

• If the Eligible Renter rents the Rental Vehicle at a reduced cost

because of his or her participation in a coupon program, such as

a rental company promotion/discount or an airline mileage points

program, the entire transaction must be reserved and charged to

your Covered Card and at least one (1) full day of rental must be

billed to your Covered Card.

• If the Eligible Renter rents a Rental Vehicle under a Rental Car

Agreement that is provided as part of a travel package or similar

package or service, the Eligible Renter must charge the entire

package of services to your Covered Card.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

B. The kind of coverage you receive:

We will reimburse an Eligible Renter for covered losses to a

Rental Vehicle in a Covered Territory caused by the following:

(1) Collision with another object; (2) the Rental Vehicle’s overturn;

(3) Malicious Vandalism; (4) theft; or (5) other physical damage

to the Rental Vehicle. Coverage is provided for the lesser of the

following amounts:

• The contractual liability assumed by the Eligible Renter with the

owner of the Rental Vehicle;

• The Actual Cash Value of the Rental Vehicle;

• The actual repair amount;

• The Reasonable and Customary Charges of repair and

replacement;

• Wholesale market value less salvage and depreciation; or

• The rental agency’s purchase invoice less salvage and

depreciation.

This coverage also reimburses the Eligible Renter for the following

expenses caused by or arising directly from a covered loss:

• Reasonable and Customary Charges for up to two (2) tows from

the scene of the loss incident to the nearest qualiﬁed repair facility.

• Rental charges for a reasonable period while the Rental Vehicle is

being repaired.

• Up to $500 of valid loss-of-use charges imposed by the rental

company for the period of time the Rental Vehicle is out of

service. The charges must be substantiated by the rental

company’s ﬂeet utilization log.

Coverage is secondary within the Eligible Renter’s country of

residence. Secondary coverage means that this beneﬁt supplements

and applies in excess of any valid and collectible insurance or

reimbursement from any source, including the Eligible Renter’s

personal auto insurance, employer’s insurance, or any other valid

and collectible reimbursement. When coverage is secondary, we will

only cover the deductible and any other eligible amounts, described

under the kind of coverage you receive, not covered by the other

insurance.

Coverage is primary outside an Eligible Renter’s country of

residence. Primary coverage means that the Eligible Renter does

not have to ﬁle a claim with any other source of insurance before

receiving coverage under this beneﬁt. However, if the Eligible

Renter’s primary auto insurance or other coverage has made

payments for a covered loss, we will only cover the deductible and

any other eligible amounts, described under the kind of coverage

you receive, not covered by the other insurance.

C. Who is covered:

No person or entity other than the Eligible Renter has any legal

or equitable right, remedy or claim for insurance proceeds and/

or damages under or arising out of this coverage. Coverage is

extended to losses incurred by a person other than the Eligible

Renter if that person is an authorized driver per the terms of the

Rental Car Agreement.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

Coverage ends on the earliest of: The date an Eligible Renter no

longer qualiﬁes as an Eligible Renter; the date the Eligible Renter

is determined to be ineligible by the participating organization;

the date the participating organization ceases to pay premium on

the Group Policy; the date the participating organization ceases

to participate in the Group Policy; or the date the Group Policy is

terminated.

D. Excluded Vehicles:

Rental Vehicles do not include and coverage is not extended to the

following:

• Vehicles not required to be licensed;

• Full-size vans mounted on truck chassis, trucks, pickups, campers,

trailers, motorcycles, motorbikes, mopeds, recreational vehicles

and any other vehicle having fewer than four (4) wheels;

• Antique cars (meaning cars that are more than twenty (20) years

old or have not been manufactured for at least ten (10) years);

• Limousines;

• Expensive, high performance, off-road or exotic cars including but

not limited to Aston Martin, Bentley, Daimler, DeLorean, Excalibur,

Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls

Royce;

• Vehicles that have an open cargo bed;

• Sport utility trucks (vehicles that have been or can be converted

to an open ﬂat-bed truck, including but not limited to the Chevy

Avalanche, GMC Envoy, and Cadillac Escalade EXT).

Coverage is provided only for those vans manufactured and

designed to transport a maximum of eight passengers and that are

used exclusively to transport people. Coverage includes minivans

and sport utility vehicles that are designed to accommodate eight

passengers or fewer and that are intended for bound surfaces.

Unavailable Vehicles. If an Eligible Renter reserves a Rental

Vehicle that is otherwise eligible for coverage under the Group

Policy and the rental car agency validates that no such Rental

Vehicle was available to the Eligible Renter at the time of his or

her scheduled pickup, coverage will be provided for the following

vehicles under the terms and conditions of this coverage: Trucks,

pickups, vehicles with an open cargo bed, or sport utility trucks.

E. Coverage limitations:

(1) Rental Period. An Eligible Renter’s coverage is limited to the

ﬁrst (31) consecutive days consecutive days of the rental period

for a Rental Vehicle.

(2) Coverage is not available (1) when the Eligible Renter has

personal automobile insurance and lives in a state under whose

law such coverage automatically provides coverage of rental autos,

including waiver of any collision damage deductible, or (2) where

generally prohibited by law.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

F. What is NOT covered:

• The cost of any insurance or collision damage waiver offered

by or purchased through the car rental company.

• Personal liability.

• Inherent vice or damage.

• Conﬁscation by authorities.

• Loss or damage as a result of the Eligible Renter’s lack of

reasonable care in protecting the Rental Vehicle before or

after damage occurs (such as leaving the vehicle running and

unattended).

• Expenses assumed, waived, or paid by the auto rental company or

its insurer.

• Leases or mini leases.

• Indirect or direct damages or losses of any nature, whether in tort

or contract or based on any theory of liability, in any civil action or

other legal proceeding arising from or related to a covered claim.

• Loss resulting or arising from any violation of the Rental Car

Agreement or the Group Policy.

• Loss due to the Eligible Renter’s intentional acts, racing or

reckless driving, or loss due to driving under the inﬂuence of

alcohol, intoxicants, or drugs.

• Subsequent damages resulting from a failure to protect the Rental

Vehicle from further damage.

• Losses due to illegal activity or during the shipment of contraband.

• Any loss that occurs while the Rental Vehicle is off-road or

located on an unpaved surface or a surface that is not a regularly

maintained state or government road.

• Loss due to hostility of any kind, including war, invasion, rebellion,

insurrection, riot, or civil commotion.

• Any loss involving the Rental Vehicle being used for hire, for

commercial use, or as a public or livery conveyance, such as use

for Uber or Lyft.

• Theft or damage to unlocked or unsecured vehicles.

• Wear and tear, gradual deterioration, and mechanical or

electrical breakdown unless caused by other loss covered

by the Group Policy.

• Any obligation that the Eligible Renter assumes under any

agreement other than what is speciﬁcally covered under the

Rental Car Agreement or his or her personal auto policy

or other indemnity policy.

• Injury of anyone or damage to anything other than the

Rental Vehicle.

• Loss or theft of personal belongings from the interior or exterior

of a Rental Vehicle.

• Items not installed by the original manufacturer.

• Damage to windshields that is not the result of a collision or roll-

over. Damage to a windshield may be covered if such damage is

due to road debris or road hazard and takes place while the Rental

Vehicle is the Eligible Renter’s responsibility.

• Vehicle keys or portable Global Positioning Systems (GPS).

• Blowouts or tire/rim damage if not caused by theft, vandalism,

or vehicle collision.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

• Depreciation of the Rental Vehicle caused by the incident,

including but not limited to “diminished value” (administrative

or other fees charged by the rental company).

• Value-added tax, or similar tax, unless reimbursement

of such tax is required by law.

• Charges for gasoline or airport fees.

In addition, we shall not be deemed to provide cover and we

shall not be liable to pay any claim or provide any beneﬁt under

the Group Policy to the extent that the provision of such cover,

payment of such claim or provision of such beneﬁt would expose

us, our parent company or its ultimate controlling entity to any

sanction, prohibition or restriction under United Nations resolutions

or the trade or economic sanctions, laws or regulations of the

European Union or the United States of America.

G. How to ﬁle a claim:

• Visit MyCardBeneﬁts.com or call 1-800-Mastercard to open a

claim. The Eligible Renter must report the claim within sixty (60)

days from the date of loss or the claim may not be honored (not

applicable to residents of certain states, a list of which is on ﬁle

with the Administrator). The Eligible Renter must also do the

following:

• Report the loss to the police;

• Permit us to inspect and appraise the damaged property before

its repair or disposition; and

• Do what is reasonably necessary after loss to protect the Rental

Vehicle from further loss.

• The Eligible Renter may choose to assign his or her beneﬁts under

this insurance program to the rental agency from which he or she

rented the Rental Vehicle. Please contact our Administrator for

further details.

• Submit written proof of loss within 180 days of the date of the

incident or the claim may not be honored. Failure to provide such

proof within the required time will not invalidate or reduce any

claim if it was not reasonably possible to provide proof within

such time, provided such proof is furnished as soon as reasonably

possible and in no event, except in the absence of legal capacity,

later than one (1) year from the time proof is otherwise required.

Required documentation may include the following:

• Rental Vehicle charge receipt or statement.

• The Rental Car Agreement for the Rental Vehicle.

• Copy of the Eligible Person’s valid driver’s license.

• Copy of the declaration’s page of any primary vehicle

insurance or other valid insurance or coverage.

• A copy of the police report when the Rental Vehicle is

stolen, vandalized, or involved in a multi-vehicle collision

or a collision that requires the vehicle to be towed or

makes the vehicle un-drivable.

• Itemized repair estimate from a certiﬁed collision repair facility.

• Copy of the rental company promotion/discount, if applicable.

• Copy of the vehicle rental location class speciﬁc ﬂeet utilization

log, if loss-of-use charges are being claimed.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

• Any other documentation that may be reasonably requested by

us or our Administrator to validate a claim.

H. Payment of Claims

All beneﬁts payable for any loss will be paid immediately to the

Eligible Renter—or to the Eligible Renter’s estate in the case of

death—upon receipt of due written proof of such loss.

This Guide to Beneﬁts is not, by itself, a policy or contract of

insurance or other contract. Beneﬁts are provided to you, the

Cardholder, at no additional charge. Non-insurance services may

have associated costs, which will be your responsibility.

The insurance beneﬁts are provided under the Group Policy issued

by New Hampshire Insurance Company, an AIG company. This Guide

to Beneﬁts is a summary of beneﬁts provided to you. The attached

Key Terms and EOC are governed by the Group Policy.

Effective date of beneﬁts: This Guide to Beneﬁts replaces all prior

disclosures, program descriptions, advertising, and brochures by

any party. The Policyholder and the insurer reserve the right to

change the beneﬁts and features of these programs at any time.

Notice will be provided for any changes.

Cancellation: The Policyholder may cancel these beneﬁts at

any time or choose not to renew the insurance coverage for all

Covered Cards. If the Policyholder cancels these beneﬁts, you will

be notiﬁed in advance. If we terminate, cancel, or choose not to

renew the coverage to the Policyholder, you will be notiﬁed as soon

as is practicable. Insurance beneﬁts will still apply for any eligible

coverage that attaches prior to the date of such termination,

cancellation, or non-renewal, subject to the terms and conditions of

coverage.

Beneﬁts to you: These beneﬁts apply only to U.S. issued Covered

Cards. No person or entity other than the Eligible Renters shall

have any legal or equitable right, remedy, or claim for beneﬁts,

insurance proceeds and damages under or arising out of these

programs. These beneﬁts do not apply if your card privileges have

been cancelled. However, insurance beneﬁts will still apply for any

beneﬁt you were eligible for prior to the date that your Covered

Card is suspended or cancelled, subject to the terms and conditions

of coverage.

Legal Action: No action at law or in equity may be brought to

recover under the Group Policy prior to the expiration of 60 days

after written proof of loss has been furnished in accordance with

the requirements of this Guide to Beneﬁts. No such action may be

brought after the expiration of three years from the time written

proof of loss is required to be furnished.

Fraud & Intentional Misrepresentation: If any request for beneﬁts

made under the Group Policy is determined to be fraudulent, or

if any fraudulent means or devices are used by you or anyone

qualifying as an insured to obtain beneﬁts under the Group Policy,

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

all beneﬁts will be forfeited. No coverage is provided if you or

anyone qualifying as an insured does the following: (1) Conceals

or misrepresents any fact upon which we rely, if the concealment

or misrepresentation is material and is made with the intent to

deceive; or (2) conceals or misrepresents any fact that contributes

to the loss.

Transfer of rights or beneﬁts: The policy is not assignable,

but the beneﬁts may be assigned.

Due Diligence: The Eligible Renter must exercise or perform all

vigilant activity, attentiveness, and care that would be exercised or

performed by a reasonable and prudent person under the same

or similar circumstances to protect any covered property from

damage, loss, or theft.

Subrogation: If payment is made under these beneﬁts, we are

entitled to recover such amounts, to the extent of our payments,

from other parties or persons. Any party or person who receives

payment under these beneﬁts must transfer to us his or her

rights to recovery against any other party or person and must do

everything necessary to secure these rights and must do nothing

that would jeopardize them.

Salvage: If a covered loss is not repairable, we may request you to

send the item to us for salvage at your expense. Failure to remit the

requested item for salvage to us may result in denial of the claim.

Other Limitation: Beneﬁts listed in this Guide to Beneﬁts are

subject to the conditions, limitations, and exclusions described in

each beneﬁt section. Receipt and/or possession of this Guide to

Beneﬁts does not guarantee coverage or coverage availability.

This Guide is intended as a summary of services, beneﬁts, and

coverages and, in case of a conﬂict between the Guide and the

Group Policy, the Group Policy shall control. Provision of services

is subject to availability and applicable legal restrictions.

Washington Residents: For Washington residents only, Evidence

of Coverage (EOC) means the section of this Guide to Beneﬁts

that describes the terms, conditions, and exclusions of your

coverage. The EOC, Key Terms, and Legal Disclosures are the entire

agreement between you and us. Representations or promises made

by anyone that are not contained in the EOC, Key Terms, or Legal

Disclosures are not part of your coverage. In case of a conﬂict

between this Guide to Beneﬁts and the Group Policy, the Guide

to Beneﬁts shall control.

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

As a World Elite Mastercard cardmember,

You have access to Mastercard Travel Services™,

a suite of beneﬁts, amenities and upgrades,

preferential treatment and premium travel offers

from best-in-class travel companies, including

Professional 24/7 travel services, World Elite Luxury

Hotels & Resorts portfolio, World Elite Air, Private

Jet and Cruise programs as well as Mastercard

Airport Concierge and much more.

Take Advantage of All Your World Elite Mastercard Beneﬁts. Simply

call the number on the back of Your World Elite Mastercard card or

visit mastercard.com/worldelitetravel for program updates and to

learn about special promotional travel offers. Beneﬁts are subject to

availability and restrictions apply, for terms and conditions, please

visit mastercard.us/travel-beneﬁts-terms.html.

* Travel & Lifestyle Services are provided by Ten Lifestyle Group

plc. No travel bookings are being made by Mastercard, nor is

Mastercard acting as a travel agency or providing any travel

consultation or advice, in connection with Mastercard Travel

& Lifestyle Services.

Certain terms, conditions and exclusions apply. Full details are

available at travel.mastercard.com/us/en-us/world-elite/product/

terms.

| TRAVEL AND LIFESTYLE SERVICES

Important

Contact Barclays directly for questions concerning Your

account, such as account balance, credit line, billing inquiries

(including transaction exchange rates), merchant disputes, or

information about additional services not described in this Guide.

ACCOUNT AND

BILLING INFORMATION

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

This Guide to Beneﬁts is not, by itself, a policy

or contract of insurance or other contract.

Beneﬁts are provided to You, the Accountholder, at no additional

charge. Non-insurance services may have associated costs, which

will be Your responsibility (for example, legal referrals are free, but

the lawyer’s fee is Your responsibility).

The insurance beneﬁts are provided under a group policy issued

by New Hampshire Insurance Company, an AIG company for all

beneﬁts other than Travel Accident Insurance and Baggage Delay

which are provided by Federal Insurance Company a member

insurer of the Chubb Group of Insurance Companies

This Guide to Beneﬁts is a summary of beneﬁts

provided to You. The attached Key Terms and EOC

is governed by the Group Policy.

Effective date of beneﬁts: Effective November 1, 2019, this Guide

to Beneﬁts replaces all prior disclosures, program descriptions,

advertising, and brochures by any party. The Policyholder and the

insurer reserve the right to change the beneﬁts and features of

these programs at anytime. Notice will be provided for any changes.

Cancellation: The Policyholder can cancel these beneﬁts at

any time or choose not to renew the insurance coverage for all

cardholders. If the Policyholder does cancel these beneﬁts, You

will be notiﬁed in advance. If the insurance company terminates,

cancels, or chooses not to renew the coverage to the Policyholder,

You will be notiﬁed as soon as is practicable. Insurance beneﬁts will

still apply for any beneﬁts You were eligible for prior to the date

of such terminations, cancellation, or non-renewal, subject to the

terms and conditions of coverage.

Beneﬁts to You: These beneﬁts apply only to the Cardholder whose

cards are issued by U.S. ﬁnancial institutions. The United States

is deﬁned as the ﬁfty (50) United States, the District of Columbia,

American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No

person or entity other than the Cardholder shall have any legal or

equitable right, remedy, or claim for beneﬁts, insurance proceeds

and damages under or arising out of these programs. These

beneﬁts do not apply if Your card privileges have been canceled.

| LEGAL DISCLOSURE

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

However, insurance beneﬁts will still apply for any beneﬁt You were

eligible for prior to the date that Your account is suspended or

canceled, subject to the terms and conditions of coverage.

Transfer of rights or beneﬁts: No rights or beneﬁts provided under

these insurance beneﬁts may be assigned without the prior written

consent of the claim administrator for these beneﬁts.

Dispute Resolution – Arbitration: This EOC requires binding

arbitration if there is an unresolved dispute concerning this EOC

(including the cost of, lack of or actual repair or replacement arising

from a loss or breakdown). Under this Arbitration provision, You

give up Your right to resolve any dispute arising from this EOC by

a judge and/or a jury. You also agree not to participate as a class

representative or class member in any class action litigation, any

class arbitration or any consolidation of individual arbitrations. In

arbitration, a group of three (3) arbitrators (each of whom is an

independent, neutral third party) will give a decision after hearing

the parties’ positions. The decision of a majority of the arbitrators

will determine the outcome of the arbitration and the decision of

the arbitrators shall be ﬁnal and binding and cannot be reviewed or

changed by, or appealed to, a court of law.

To start arbitration, the disputing party must make a written

demand to the other party for arbitration. This demand must be

made within one (1) year of the earlier of the date the loss occurred

or the dispute arose. The parties will each separately select an

arbitrator. The two (2) arbitrators will select a third arbitrator called

an “umpire.” Each party will each pay the expense of the arbitrator

selected by that party.

The expense of the umpire will be shared equally by the parties.

Unless otherwise agreed to by the parties, the arbitration will take

place in the county and state in which You live. The arbitration shall

be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.)

and not by any state law concerning arbitration.

The rules of the American Arbitration Association (www.adr.org)

will apply to any arbitration under this EOC. The laws of the state

of New York (without giving effect to its conﬂict of law principles)

govern all matters arising out of or relating to this EOC and all

transactions contemplated by this EOC, including, without limitation,

the validity, interpretation, construction, performance and

enforcement of this EOC.

Due Diligence: All parties are expected to exercise due diligence to

avoid or diminish any theft, loss or damage to the property insured

under these programs. “Due diligence” means the performance

of all vigilant activity, attentiveness, and care that would be

taken by a reasonable and prudent person in the same or similar

circumstances in order to guard and protect the item.

Subrogation: If payment is made under these beneﬁts, the

insurance company is entitled to recover such amounts from other

Questions about these beneﬁts? Call 1-800-Mastercard: 1-800-627-8372

Español: 1-800-633-4466

parties or persons. Any party or Cardholder who receives payment

under these beneﬁts must transfer to the insurance company his or

her rights to recovery against any other party or person and must

do everything necessary to secure these rights and must do nothing

that would jeopardize them, or these rights will be recovered from

the Cardholder.

Salvage: If an item is not repairable, the claim administrator may

request that the Cardholder or gift recipient send the item to the

administrator for salvage at the Cardholder’s or gift recipient’s

expense. Failure to remit the requested item for salvage to the

claim administrator may result in denial of the claim.

Misrepresentation and Fraud: Beneﬁts shall be void if the

Cardholder has concealed or misrepresented any material facts

concerning this coverage.

Other Insurance: Coverage is secondary to and in excess of any

other applicable insurance or indemnity available to You. Coverage

is limited to only those amounts not covered by any other insurance

or indemnity. It is subject to the conditions, limitations, and

exclusions described in this document. In no event will this coverage

apply as contributing insurance. This Other Insurance clause will

take precedence over a similar clause found in other insurance or

indemnity language.

In no event will these insurance beneﬁts apply as contributing

insurance. The non-contribution insurance clause will take

precedence over the non-contribution clause found in any

other insurance policies.

Severability of Provisions: If in the future any one or more of the

provisions of this Guide to Beneﬁts is, to any extent and for any

reason, held to be invalid or unenforceable, then such provision(s)

shall be deemed “severable” from the remaining provisions of the

Guide. In that event, all other provisions of this Guide shall remain

valid and enforceable.

Beneﬁts listed in this Guide to Beneﬁts are subject to the conditions,

limitations, and exclusions described in each beneﬁt section. Receipt

and/or possession of this Guide to Beneﬁts does not guarantee

coverage or coverage availability.

This Guide is intended as a summary of services, beneﬁts, and

coverages and, in case of a conﬂict between the Guide and the

master insurance policies, or an issuer’s, or the Mastercard

actual offerings, such master policies or actual offering shall

control. Provision of services is subject to availability and

applicable legal restrictions.

TO FILE A CLAIM

Call 1-800-Mastercard:

800-627-8372,

or en Español:

800-633-4466.

Visit Our website at

mastercard.com

2019 Mastercard

From time to time benets may be modied, updated or

removed. All benets may not be listed in this Guide to

Benets. Please go to the Rewards and Benets section

of the customer website at BarclaysUS.com for more

information about all the benets available to you and to

view your current Guide to Benets.

BAR-7306-3