Guide to Benefits for MasterCard® Cardholders

Guide to Beneﬁts for

MasterCard

Cardholders

Worldwide Automatic Travel

Accident, Baggage Delay, & Trip

Cancellation/Interruption Insurance

THE PLAN

As a MasterCard Cardholder, you, your spouse or domestic partner and

unmarried dependent children

will be automatically insured against accidental loss of life, limb, sight, speech or hearing

while riding as

a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger

fare(s), less redeemable certiﬁcates, vouchers or coupons, has been charged to your MasterCard Card

account. If

the entire cost of the passenger fare has been charged to your MasterCard account prior

to departure for the

airport, terminal or station, coverage is also provided for common carrier travel

(including taxi, bus, train or airport

limousine); immediately, a) preceding your departure, directly to the

airport, terminal or station b) while at the airport,

terminal or station, and c) immediately following your

arrival at the airport, terminal or station of your destination. If the entire

cost of the passenger fare has

not been charged 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 your MasterCard account. This coverage does

not

include Commutation. Commutation is deﬁned as travel between the Insured Person’s residence and

regular place of

employment. 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.

IMPORTANT DEFINITIONS

Accident or Accidental means a sudden, unforeseen and unexpected event happening by

chance.

Dependent Child(ren) means those children, including adopted children and children placed for

adoption, who are

primarily dependent upon the Insured Person for maintenance and support and who

are: 1) under the age of twenty-ﬁve (25) and reside with the Insured Person: or 2) beyond the age of

twenty-ﬁve (25), permanently mentally or physically

challenged, and incapable of self support; or 3)

under the age of twenty-ﬁve (25) and classiﬁed as a full-time student at an

institution of higher learning.

Domestic Partner means a person designated in writing by the primary insured person, 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 insured person; and 2) has been the primary insured person’s sole spousal

equivalent; and 3) has resided

in the same household as the primary insured person; and 4) been jointly

responsible with the primary insured person for

each other’s ﬁnancial obligation, and who intends to

continue the relationship above indeﬁnitely.

THE BENEFITS

The full Beneﬁt Amount of $100 is payable for accidental loss of life, two or more

members, sight of

both eyes, speech and hearing or any combination thereof. One half of the Beneﬁt Amount is payable for

accidental loss of: one member, sight of one eye, speech or hearing. “Member” means hand or foot.

One quarter of the

Beneﬁt Amount is payable for the accidental loss of the thumb and index ﬁnger of the

same hand. “Loss” means, with

respect to a hand, complete severance through or above the knuckle

joints of at least 4 ﬁngers on the same hand; with

respect to a foot, complete severance through or

above the ankle joint. The Company will consider it a loss of hand or foot

even if they are later reattached.

“Beneﬁt Amount” means the Loss amount applicable at the time the entire cost of the

passenger fare

is charged to the eligible MasterCard account. The loss must occur within one year of

the accident. The

Company will pay the single largest applicable Beneﬁt Amount. In no event will duplicate request forms

multiple charge cards obligate the Company in excess of the stated Beneﬁt Amounts for any one

loss sustained by any one

individual insured as the result of any one accident. In the event of multiple

accidental deaths per account arising from any

one accident, the Company’s liability for all such losses

will be subject to a maximum limit of insurance equal to three (3)

times the Beneﬁt Amount for loss of life.

Beneﬁts will be proportionately divided among the Insured Persons up to the

maximum limit of insurance.

BAGGAGE DELAY

We will reimburse the Insured Person up to the Daily Beneﬁt Amount of $100 per

day for three (3) days in

the event of a Baggage Delay. Our payment is limited to expenses incurred for the emergency

purchase

of essential items needed by the Insured Person while on a covered trip and at a destination other

than the

Insured Person’s primary residence. Essential items not covered by Baggage Delay include,

but are not limited to: 1)

contact lenses, eyeglasses or hearing aids; 2)artiﬁcial teeth, dental bridges

or prosthetic devices; 3) tickets, documents,

money, securities, checks, travelers checks and valuable

papers; or 4) business samples; The Baggage Delay Beneﬁt

Amount is excess over any other insurance

(including homeowners) or indemnity (including any reimbursements by the

airline, cruise line, railroad,

station authority, occupancy provider) available to the Insured Person. Baggage Delay means a

delay or

misdirection of the Insured Person’s Baggage by a Common Carrier for more than four (4) hours from the

time the

Insured Person arrives at the destination on the Insured Person’s ticket.

FINANCIAL SERVICES TRIP CANCELLATION /

INTERRUPTION

In the event of the Insured Person’s Trip Cancellation

or Trip Interruption, we will pay up to the Trip

Cancellation/Trip Interruption Beneﬁt Amount of $100. Our

payment will not exceed either: 1) the actual

Non−Refundable amount paid by the Insured Person for a Common Carrier

passenger fare(s); or 2)

$100. The Insured Person will relinquish to us any unused vouchers, tickets,

coupons or travel privileges

for which we have reimbursed the Insured Person. The Trip Cancellation or Trip Interruption of

the Insured

Person must be caused by or result from: 1) death, Accidental injury, disease or physical illness of the

Insured

Person or an Immediate Family Member of the Insured Person; or 2) default of the Common

Carrier resulting from Financial

Insolvency. The death, Accidental injury, disease or physical illness must

be veriﬁed by a Physician and must prevent the

Insured Person from traveling on a Covered Trip. With

respect to Financial Services Common Carrier Trip Cancellation/Trip

Interruption only, this insurance does

not apply to loss caused by or resulting from: 1) a Pre−Existing Condition; or 2)

Accidental Bodily Injuries

arising from participation in interscholastic or professional sports events, racing or speed contests,

uncertiﬁed scuba diving; or 3) cosmetic surgery, unless such cosmetic surgery is rendered necessary

as a result of a loss

covered under this policy; or 4) the Insured or an Immediate Family Member being

under the inﬂuence of drugs (except

those prescribed and used as directed by a Physician) or alcohol;

or 5) the Insured or an Immediate Family Member: a)

traveling against the advice of a Physician; or

b) traveling while on a waiting list for speciﬁed medical treatment; or c)

traveling for the purpose of

obtaining medical treatment; or d) traveling in the third trimester (seventh month or after) of

pregnancy.

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 Insured

Person’s Account issued

by the Policyholder. Covered Trip also means travel on a Common Carrier when

free ﬂights have been awarded from

frequent ﬂier or points programs provided that all of the miles or

points were accumulated from charges on that card.

Financial Insolvency means the inability of the 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. Non – refundable means amount of money paid by

or on behalf of the Insured Person for

a Covered Trip which will be forfeited under the terms of the agreement made with the

Common Carrier

for unused travel arrangements and for which a travel agent or travel supplier will not provide any other

form of compensation. Immediate Family Member means the Insured Person’s: 1) Spouse or Domestic

Partner; 2)

children, including adopted children or stepchildren; 3) legal guardians or wards; 4) siblings or

siblings−in−law; 5) parents

or parents−in−law; 6) grandparents or grandchildren; 7) aunts or uncles; 8)

nieces and nephews. Immediate Family Member

also means a 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.

Pre−Existing

Condition means Accidental injury, disease or illness of the Insured Person or Immediate Family Member

the Insured Person which occurs or manifests itself during the sixty (60) day period immediately prior

to the purchase date

of a Common Carrier passenger fare(s). Disease or illness has manifested itself

Guide to Beneﬁts for

MasterCard

Cardholders

Worldwide Automatic Travel

Accident, Baggage Delay, & Trip

Cancellation/Interruption Insurance

when: 1) medical care or treatment has

been given; or 2) there exists symptoms which would cause a

reasonably prudent person to seek medical diagnosis, care or

treatment. The taking of prescription drugs

or medication for a controlled condition throughout this sixty (60) day period will

not be considered to

be a manifestation of illness or disease. Trip Cancellation means the cancellation of Common Carrier

travel arrangements when the Insured Person is prevented from traveling on a Covered Trip on or before

the Covered Trip

departure. Trip Interruption means the Insured Person’s Covered Trip is interrupted

either on the way to the point of

departure or after the Covered Trip departure. With respect to Financial

Services Common Carrier Trip Cancellation/Trip

Interruption only, the Disease or Illness Exclusion # 1

below does not apply.

ELIGIBILITY

This travel insurance plan is provided to MasterCard cardholders

automatically when the entire cost

of the passenger fare(s) are charged to a MasterCard account while the

insurance is effective. It is not

necessary for you to notify your ﬁnancial institution, the administrator or the Company when

tickets are

purchased.

THE COST

This travel insurance plan is provided at no additional cost to eligible MasterCard cardholders. Your

ﬁnancial institution pays the premium for this insurance.

BENEFICIARY

The Loss of Life beneﬁt will be paid to the beneﬁciary designated by the insured. If no such designation

has been made, that beneﬁt will be paid to the ﬁrst surviving beneﬁciary in the following order: a) the

Insured’s spouse, b)

the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters,

e) the Insured’s estate. All other

indemnities will be paid to the Insured.

EXCLUSIONS

This insurance does not cover loss resulting from: 1) an Insured’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; This insurance also does not apply to an

accident occurring while an Insured is acting or training as a pilot or

crew member, but this exclusion

does not apply to passengers who temporarily perform pilot or crew functions in a life

threatening

emergency.

CLAIM NOTICE

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 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. CLAIM

FORMS: 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. CLAIM PROOF OF LOSS: 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. CLAIM

PAYMENT: 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

HOW TO FILE A CLAIM

To ﬁle a claim please call 1-800-MasterCard. Claims are processed by the Claim Administrator,

Crawford

and 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.

Once a claim number is

assigned, supporting documentation for the claim can also be submitted through

Myclaimsagent.com.

EFFECTIVE DATE

This insurance is effective on the date that you become an eligible cardholder; and will cease on the

date

the Master Policy 6477-44-67 is terminated or on the date your account ceases to be eligible, whichever

occurs ﬁrst.

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 on ﬁle

with the Policyholder: Financial Customer

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

amended to comply with

such laws. If a statement in this description of coverage and any provision in the policy differ, the

policy

will govern.

Answers to speciﬁc questions can be obtained by writing the Plan Administrator: Direct Marketing Group

13265 Bedford

Avenue, Omaha, NE 68164

Plan Underwritten By Federal Insurance Company a member insurer of the Chubb Group of

Insurance Companies

9931 South 136th Street, Suite 100, Omaha, NE 68138

Form No. FS634L