MASTERCARD TAIWAN 萬事達卡 World Cards. EFFECTIVE DATE OF COVER 保險生效日期 1 April 2018 SUMMARY OF COVER 保險摘要資訊

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1 MASTERCARD TAIWAN 萬事達卡 World Cards EFFECTIVE DATE OF COVER 保險生效日期 1 April 2018 SUMMARY OF COVER 保險摘要資訊 Insurance Coverage Maximum Benefit Amount (NTD) Wallet Guard 3,190 E-commerce Purchase Protection 6,380 保險範圍 最高保險金額 ( 新台幣 ) 錢包遺失費用補償保險 3,190 網路購物綜合保險 6,380 WALLET GUARD INSURANCE TERMS & CONDITIONS FOR TAIWAN CARDHOLDERS 錢包遺失費用補償保險條款 SECTION I DEFINITIONS 第一節定義 Check means any bank draft, other than a draft with a stamped signature, drawn against deposited funds to pay a specific sum to a specified payee on demand. 票據 : 指根據預存款項開立的, 在見票時支付確定的金額給指定收款人的即期銀行票據, 不包括任何未簽章的票據 Business means a trade, profession or occupation including those conducted on a full-time, part-time or occasional basis, or, any other legal activity in which one is engaged for money or other compensation. 商務 : 指以全職 兼職或臨時工形式從事的行業 職業或職位, 或以獲取金錢或其他報酬為目的而從事的任何其他合法活動 Money means currency, coins and bank notes in current use and having a face value 金錢 : 指具有一定面值的當前流通的貨幣 硬幣和紙幣 Annual Aggregate Limit: means the maximum amount per Cardholder for which an Insurer is liable during the Policy Period. 年度累計責任限額 : 指對於保險期間內發生的保險事故, 保險人向每位持卡人累計承擔賠償責任的最高限額 Coverage Territory: Underwrite the covered incident worldwide except any other agreement under the Policy. 承保區域 : 除該保險合約另有約定外, 該保險承保全球範圍內發生的保險事故 Eligible Card: a participating Issuer s Mastercard World credit or debit cards. 銀行卡 : 指發卡機構發行的信用卡或借記卡 Cardholder(s)/Insured Person(s)/You means all individuals who have been issued an Eligible Card, including secondary or additional cardholders on the same account, in Taiwan where such Eligible Card is issued by a participating Issuer. Page 1 of 14 第 1 頁, 共 14 頁

2 持卡人 / 被保險人 : 指在台灣境內持有發卡機構所發行的銀行卡的所有自然人, 包括同一帳戶下的副卡持有人或附屬卡持有人 Per Occurrence Limit means the maximum amount payable under the Policy for any single loss occurrence. 每次事故責任限額 : 指在該保險合約項下每次事故的最高賠償限額 Policy: means the insurance contract between the Policyholder and Us, including all terms and conditions herein, Policy Schedule, application form and any endorsement issued under the Policy. 保險合約 : 指投保人與保險人之間簽訂的保險合約, 包括該保險條款 保險單 書面投保申請以及在保險合約項下簽發的任何批單 Policy Period means Policy coverage period commencing from 0:00 hours of the inception date and ending on the 24:00 hours of the expiration date as specified on the Policy Schedule, in this case 1 April 2018 until 31 March 保險期間 : 指自保險單所載起保日零時起至保險單滿期日二十四時止的一段期間 Relative means the Cardholder s legally married spouse, parent, step-parent, parent in-law, grandparent, child, stepchild, legally adopted child, grandchild, brother, brother in-law, sister, sister in-law, son in-law, daughter in-law, uncle, aunt, niece, nephew or first cousin. 親屬 : 指持卡人的合法配偶 父母 繼父母 配偶的父母 祖父母 子女 繼子女 合法領養的子女 孫子女 兄弟 配偶的兄弟 姐妹 配偶的姐妹 女婿 兒媳 叔伯 姑姨 侄女 侄子及堂表兄妹 Residence means the place in which the Cardholder principally resides the majority of the time and where the Cardholder keeps the Cardholder s personal belongings. Residence includes, but is not limited to, a single family structure, condominium unit, cooperative or apartment. 住所 : 指持卡人的主要常住場所, 且持卡人將私人物品存放於該處, 包括但不限於獨戶家庭住宅 共有公寓房 合作公寓房或公寓房 Robbery means the unlawful taking of the Cardholder s property, by a person or person(s), using violence or the threat of violence and who has/have caused or threatened physical harm to the Cardholder, the Cardholder s spouse and/or children under age 21. 搶劫 : 指一人或多人使用暴力或威脅使用暴力對持卡人 持卡人的配偶和 / 或 21 周歲以下子女造成或威脅造成人身傷害, 以非法獲取持卡人的財產的行為 Theft means the unlawful taking of property from your care and/or custody, without consent, with the intent of gain, as a result of a robbery or a burglary. 偷盜 : 指以佔有為目的, 通過入室盜竊的方式, 在未經允許的情況下, 非法獲取被保險人看管和 / 或保管的財產的行為 Accidental Damage: items that can no longer perform the function they were intended for due to broken parts or material or structural failures due to an accident. 意外損壞 : 指物品因意外事故導致零件損壞 材料破壞或結構損壞而不再具有原定功能 Personal papers means any of your official identification documents including, but not limited to, your identity card, driver s license, employment papers, passport(s) 個人證件 : 指被保險人的任何有效身份證明檔, 包括但不限於身份證 駕照 員工證 護照 Payment card means any ATM card, credit, charge or debit card issued by a qualified financial institution or retailer for personal use only 支付卡 : 指合格的金融機構或零售商發行的任何僅供個人使用的 ATM 卡 信用卡 簽賬卡或借記卡 ATM means automatic teller machine ATM: 指自動取款機 Burglary means the unlawful taking of your property, or an attempt thereof, by a person or persons who illegally entered Page 2 of 14 第 2 頁, 共 14 頁

3 your primary residence using force or violence with visible signs of forced entry. 入室盜竊指 : 一人或多人使用武力或暴力非法進入被保險人的主要住所並有明顯強行進入痕跡, 以非法盜取或試圖非法盜取被保險人的財產的行為 Covered content means the payment cards and personal papers contained in your wallet or bag. 被保險物品 : 指被保險人的錢包或手提包中的支付卡及個人證件 Credit account means any credit arrangement, from a qualified financial institution, for personal use, such as a credit card account or a car/home loan account. 信用帳戶 : 指合格金融機構供個人使用的信用服務, 包括信用卡帳戶或車 / 房貸款帳戶 Identity theft means the unauthorized and/or illegal use of your personal information such as your name or social security number to open credit accounts and/or bank accounts that you did not authorize. 身份盜用 : 指未經授權而使用和 / 或非法使用被保險人的姓名 社保號等個人資訊開立被保險人未授權的信用帳戶和 / 或銀行帳戶 Lost means no longer in your possession due to having been (i) inadvertently misplaced, or, (ii) in an irretrievable place. 遺失 : 指由於下列原因導致被保險人不再佔有 :(1) 過失性放置不當 ;(2) 置於無法取回的地方 Replacement cost means the current price of a similar item, with similar specifications. 重置費用 : 指規格類似的相似物品的現行價格 Transportation ticket means any ticket purchased for any type of public or private transportation. 交通票款 : 指為搭乘任何類型的公共或私營交通所支出的任何票款 Insurer: means the insurance company specified in the Policy Schedule. 保險人 : 指保險單上列明的保險公司 Issuer: a bank or financial institution or like entity to operate credit or debit card program in Taiwan and is participating in purchasing insurance for its Cardholders. 發卡機構 : 指在台灣境內經營信用卡或借記卡業務, 並參與為持卡人安排相關保險的銀行或其他金融機構或類似實體, 該保險具體承保的發卡機構以保險單所載為准 War means any declared or undeclared war or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends. 戰爭 : 指無論宣戰與否的戰爭, 或任何類似戰爭活動, 包括任何主權國家為達到其經濟 疆域擴張 民族主義 政治 種族 宗教或其他目的而進行的任何軍事行動 Policyholder means the person who has applied for the insurance to Insurer, and whose application has been accepted by Insurer. 投保人 : 指向保險人申請投保該保險, 保險人接受其投保申請的人 SECTION II 第二節承保範圍 COVERAGE Wallet Guard The Policy will cover the following, up to the Cardholder s Per Occurrence Limit and Annual Aggregate Limits listed in the Policy Schedule. We will cover the following costs, up to the per occurrence limit and per number of claims limit, per Policy Period, as shown in the Policy. Replacement cost for your wallet or bag if your wallet or bag is either lost or the object of theft; Application fees for new personal papers and/or Eligible cards if they were in your wallet/bag when your wallet/bag was either lost or the object of a theft. Page 3 of 14 第 3 頁, 共 14 頁

4 在保險期間內, 若被保險人的錢包或手提包發生遺失, 或遭受搶劫或偷盜, 則保險人以保險單所載的每次事故責任限額 每一持卡人最多賠償事故次數限以及年度累計責任限額為限, 賠償被保險人錢包或手提包的重置費用, 如其錢包或手提包發生遺失或遭受搶劫 偷盜時內含個人證件 支付卡的, 保險人還將賠償被保險人重新辦理個人證件 支付卡的申請費 SECTION III EXCLUSIONS 第三節責任免除 The Policy will not cover: 保險人對下列各項不承擔賠償責任 : 1. Money, checks, transportation tickets or any item other than your covered content that were in your wallet/bag when your wallet/bag was either lost or the object of theft; 1. 被保險人的錢包或手提包發生遺失或遭受搶劫 偷盜時內含的金錢 票據 交通票款或其他不屬於被保險物品的任何物品 ; 2. Losses caused by fire, water, normal wear and tear, manufacturing defects, abuse, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning or repairs, or similar events; 2. 因火災 水 正常磨損 製造缺陷 濫用 害蟲 昆蟲 白蟻 黴菌 潮濕或幹腐 細菌 生銹 清潔 維修或類似事件造成的損失 ; 3. Accidental damage to your wallet/bag and its covered content; 3. 被保險人的錢包 手提包及內含被保險物品受到的意外損壞 ; 4. Any fraudulent/unauthorized charges and/or withdrawals on the payment cards that were in your wallet/bag when your wallet/bag was either lost or the object of a theft; 4. 被保險人的錢包或手提包發生遺失或遭受搶劫 偷盜後內含的支付卡發生任何欺詐性和 / 或未經授權的費用和 / 或提款 ; 5. Any costs related to identity theft; 5. 身份盜用有關的任何損失和費用 ; 6. Losses that do not occur during the Policy Period; 6. 非在保險期間內發生的損失 ; 7. Losses that result from, or are related to, your business pursuits, including any business related travel; 7. 直接或間接因被保險人的商務活動 ( 包括商務旅行 ) 所產生的損失或與之相關的損失 ; 8. Losses caused by your or your relatives illegal acts; 8. 被保險人或其親屬的違法犯罪行為所造成的損失 ; 9. Losses that you have intentionally caused; 9. 被保險人故意造成的損失 ; 10. Losses that result from the intentional actions of a relative, or actions that a relative knew of or planned; 10. 親屬的故意行為或親屬知悉或計畫的行為所造成的損失 ; 11. Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalisms of any kind; or 11. 因戰爭 入侵 外國軍事行為 敵意或類似戰爭行動 ( 無論是否宣戰 ) 內戰 叛亂 革命 暴動 民亂 起義 軍事政變或篡權 戒嚴 恐怖主義 暴亂或任何合法組織當局的行為或任何形式的破壞行為所造成的損失 ; 12. Losses due to the order of any government, public authority, or customs official. 12. 因執行任何政府 公共機關或海關官員的命令所造成的損失 13.The Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. 13 保險人在該保險合約項下提供任何保險保障 利益或支付任何保險賠償金會導致保險人違反聯合國決議項下的任何制裁 禁止性或限制性規定, 或者違反台灣或美國頒佈的任何經濟貿易制裁 法律法規 Page 4 of 14 第 4 頁, 共 14 頁

5 SECTION IV LIMITS OF LIABILITY AND DEDUCTIBLE 第四節責任限額和免賠額 (1)Limits of liability Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the Policy Schedule ( 一 ) 責任限額 保險人在該保險合約項下對任一保險事故承擔的賠償金額不超過保險單所載的每次事故責任限額 Aggregate: The total of all benefits paid or payable while the Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the Policy Schedule 保險人在該保險合約項下對任一持卡人所承擔的保險賠償金總額不得超過保險單所載相應累計責任限額 Maximum Number of Incidents: We will only be liable if the incident is within the limit stated in the Policy Schedule 對任一持卡人, 保險人在該保險合約項下僅對保險單所載最多事故次數以內的事故承擔賠償責任 (2)Deductible: Subject to the Policy limits that apply, We will pay per incident only that part of the covered loss that exceeds the deductible amount shown in the Policy Schedule ( 二 ) 免賠額 : 在適用的責任限額以內, 保險人對每一事故僅賠付承保損失中超過保險單所載免賠額的部分 SECTION V UNIFORM PROVISIONS 第五節一般事項 1. Valid Account: The coverage under the Policy will be terminated immediately once the insured person is no longer a cardholder of the issuer. 有效帳戶 : 一旦被保險人不再是約定的銀行卡持卡人, 該保險合約對該被保險人所提供的保障即行終止 2. Duties after Loss 2 損失通知和索賠資料 In the event of a covered loss, the Cardholder shall: 發生保險事故損失時, 持卡人應 : 1. Contact the Insurer at the contact details set out in the Policy within twenty four (24) hours of your discovery of a covered loss to obtain a claim form and instruction on what to do after a loss 1. 在發現事故後二十四 (24) 小時內, 按該保險合約約定聯繫方式聯繫保險人, 以獲取理賠申請表以及事故發生後行動的指示 持卡人報案聯繫電話 Claim Report 全國統一報案聯繫電話 Hotline for claim: 報案熱線開通時間 Opening hours:9:00-17:30( 週六 周日 節假日除外 exclude Saturday, Sunday and the Page 5 of 14 第 5 頁, 共 14 頁

6 holidays) 电邮 2. File a police report within 24 hours of discovering a theft 2. 在發現偷盜後 24 小時內報警 3. Notify your Issuer within 24 hours of discovering that your wallet or bag, with its covered content, was either lost or the object of a theft; 3. 在發現錢包 手提包及被保險物品遺失或遭受搶劫 偷盜後二十四 (24) 小時內通知保險人 4. Complete, sign and return the claim form to the Insurer with all the following documents, within thirty (30) days of making the original claim: 4. 在提出事故通知後三十 (30) 天內, 填寫理賠申請表, 簽名後將該表連同下列所有檔回傳給保險人 : a) an original receipt showing the cost of your wallet or bag at purchase; a) 表明錢包或手提包購買價格的原始收據 ; b) in the event of a theft, an official police report; and b) 若發生偷盜, 則提供官方報警記錄 ; 及 c) all other relevant documents we may ask you to provide; and c) 保險人可能要求被保險人提供的所有其他相關檔 5. Providing assistance cooperating with the Insurer in investigating, evaluating and settling the claim. 5. 與保險人合作進行調查 評估及處理理賠 We shall not be liable for the undeterminable part if You fails to do so intentionally or for gross negligence, which makes it difficult to determine the nature, cause, degree of damage, etc. of the covered incident, unless We have known or should have known the incident in a timely manner through any other channel. 若被保險人故意或者因重大過失未按照上述要求通知保險人, 致使保險事故的性質 原因 損失程度等難以確定的, 保險人對無法確定的部分不承擔賠償責任, 但保險人通過其他途徑已經及時或者應當及時知道保險事故發生的除外 3. Payment of Claims: All payments to be made by the Insurer shall be paid to Eligible Cardholders in Taiwan and such payments shall be subject to the laws and regulations then in effect in Taiwan. 3 保險賠付 : 保險人應向台灣境內的持卡人賠付保險金, 且賠付行為不得違反台灣屆時有效的法律法規 4. Fraudulent Claims: We shall at Our option to cancel the Policy if: You make a claim under the Policy knowing that an insured incident actually never occurs; You intentionally fabricate an insured incident. We shall at Our option to decline the claim payment for the false part if: You fabricate the cause of incident or exaggerate the degree of damage by forging or altering the relevant documents, materials or any other evidence. 4. 欺詐性索賠 (1) 被保險人有下列行為之一的, 保險人有權解除保險合約, 不承擔保險責任 : 明知並未發生保險事故而仍提出索賠請求 ; 故意造成保險事故 (2) 被保險人以偽造 變造的有關證明 資料或者其他證據編造虛假的事故原因或者誇大損失程度, 保險人對其虛報的部分不承擔賠償責任 Page 6 of 14 第 6 頁, 共 14 頁

7 5. Governing Law and Jurisdiction: The Policy is governed by and interpreted in accordance to the laws of Taiwan. 5 適用法律 : 該保險合約受台灣法律管轄並據此進行解釋 6. Other Insurance 6. 其他保險 If there are other insurance covering for the same insurable interest as the Policy, the Policy is in excess, which covers the amount not covered by such other insurance, up to the limits of the specific coverage as shown in the Policy. 保險事故發生時, 如有其他保險承保該保險合約項下相同的被保險財產, 該保險合約將負責賠償超出其他保險項下應獲賠償金額的損失, 但賠償金額以保險合約中列明的責任限額為限 7. Subrogation 7. 代位求償權 You shall, at the expense of the Us, do and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by Us for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which We shall be or would become entitled or subrogated upon their paying for or making good any loss, destruction or damage under the Policy whether such acts and things shall be or become necessary or required before or after this indemnification by Us. 當被保險人的損失應由有關責任方承擔時, 無論保險人是否已做出賠償, 被保險人應按保險人的合理要求, 並在保險人承擔費用的情況下, 採取 同意採取或允許他人採取一切必要及合理的措施, 以便保險人在賠償保險合約項下的損失後, 在賠償金額範圍內代位行使被保險人對有關責任方請求賠償的權利 8. Dispute Resolution 8. 爭議解決 All disputes arising from the execution of the Policy or riders hereof shall be resolved through one of the following means to be selected by the Parties: The said disputes shall be resolved by the Parties through negotiations, failing which shall be referred to the agreed Arbitration Commission for arbitration; The said disputes shall be resolved by the Parties through negotiations, failing which shall be referred to courts of Taiwan. 有關保險合約的一切爭議的解決方式, 由當事人從下列兩種方式中選擇一種 : (1) 因履行保險合約發生的爭議, 由當事人協商解決 協商不成的, 提交雙方約定的仲裁委員會仲裁 ; (2) 因履行保險合約發生的爭議, 由當事人協商解決 協商不成的, 依法向中華人民共和國人民法院起訴 Page 7 of 14 第 7 頁, 共 14 頁

8 E-COMMERCE PURCHASE PROTECTION INSURANCE TERMS & CONDITIONS FOR TAIWAN CARDHOLDERS 網路購物綜合保險條款 SECTION I DEFINITIONS 第一節定義 Damage: items that can no longer perform the function they were intended for due to broken parts or material or structural failures due to an accident. 損壞 : 指商品因意外事故導致零件損壞 材料破壞或結構損壞而不再具有原定功能 Annual Aggregate Limit: the maximum amount of benefit per Cardholder under the e-commerce Purchase Protect insurance 年度累計責任限額 : 指對於保險期間內發生的保險事故, 保險人向每位持卡人累計承擔賠償責任的最高限金額 Cardholders/Insured Persons: all individuals who have been issued an Eligible Card, including secondary or additional cardholders on the same account, in Taiwan and where such Eligible Card is issued by a participating Issuer. 持卡人 / 被保險人 : 指在台灣境內持有發卡機構所發行的銀行卡的所有自然人, 包括同一帳戶下的副卡持有人或附屬卡持有人 Goods: items, other than those listed in Coverage Exclusions below, purchased entirely with the Eligible Card and/or have been acquired with points earned by a rewards program associated with the Eligible Card. 商品 : 指以銀行卡全額購買或使用銀行卡在獎勵活動中累積的積分購得的商品, 不包括保險合約明確約定不予承保的物品 Eligible Card: a participating Issuer s Mastercard World credit or debit cards. 銀行卡 : 指發卡機構發行的信用卡或借記卡 Insurer/We/Us/Our: means the insurance company specified in the Policy Schedule. 保險人 : 指保險單上列明的保險公司 Issuer: a bank or financial institution or like entity to operate credit or debit card program in Taiwan and is participating in the insurance offering to Cardholders. 發卡機構 : 指在台灣境內經營信用卡或借記卡業務, 並為持卡人安排相關保險的銀行或其他金融機構或類似實體, 該保險具體承保的發卡機構以保險單所載為准 Per Occurrence Limit: the maximum amount of benefit available under the e-commerce Purchase Protect for any single Covered Purchase. 每次事故責任限額 : 指在該保險項下任一被保險購物所適用的最高賠償限限額 Covered Purchase: Goods legally purchased using the Cardholders Eligible Card. 被保險購物 : 指持卡人使用銀行卡合法的購買 Policy: means the insurance contract between the Policyholder and Us, including all terms and conditions herein, Policy Schedule, application form and any endorsement issued under the Policy. 保險合約 : 指投保人與保險人之間簽訂的保險合約, 包括該保險條款 保險單 書面投保申請以及在保險合約項下簽發的任何批單 Policy Period means Policy coverage period commencing from 0:00 hours of the inception date and ending on the 24:00 hours of the expiration date as specified on the Policy Schedule, in this case 1 April 2018 until 31 March 保險期間 : 指自保險單所載起保日零時起至保險單滿期日二十四時止的一段期間 Policyholder means the person who has applied for the insurance to Us, and whose application has been accepted by Us. 投保人 : 指向保險人申請投保該保險, 保險人接受其投保申請的人 Page 8 of 14 第 8 頁, 共 14 頁

9 War: any declared or undeclared war or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends. 戰爭 : 指無論宣戰與否的戰爭, 或任何類似戰爭活動, 包括任何主權國家為達到其經濟 疆域擴張 民族主義 政治 種族 宗教或其他目的而進行的任何軍事行動 SECTION II COVERAGE 第二節承保範圍 Subject to the coverage, limits and conditions specified in the Policy Schedule, We will cover You under e-commerce Purchase Protect, and reimburse You for the following: 在保險期間內, 若發生下列保障專案所承保的任何保險事故, 保險人依據該保險合約的各項規定, 按照所適用的保障項目, 向被保險人承擔相應的賠償責任 : a. Non-delivery/and or incomplete delivery of Goods and shipping charges, that are purchased on the internet in Taiwan: Goods are insured against non-delivery if the Goods have not been delivered within 30 days from the date of purchase, unless so otherwise stated by seller, date and the Seller has failed to refund You to Your credit or debit card, or Your online third-party payment account within 60 days from the date of purchase, in excess of other applicable insurance. a. 網購商品收貨不著及運費損失保障除非賣方另外規定交付日期, 若被保險人在台灣境內通過互聯網路線上購買的商品未在購買之日起 30 日內交付, 且賣方未在購買之日起 60 日內將被保險人支付的款項退回至被保險人的銀行卡或協力廠商網上支付帳戶內, 保險人將賠償被保險人因此遭受的收貨不著及運費損失 b. Improper functioning due to damage of delivered Goods: the delivered Goods purchased on the internet in Taiwan are insured against improper functioning, which are not to functioning as designed and intended by the manufacture as a result of physical damage during the delivery, if the Seller or Courier has failed to refund You to Your credit or debit card, or Your online third-party payment account within 60 days of delivery, in excess of other applicable insurance. b. 網購商品功能故障保障若被保險人在台灣境內通過網路線上購買的商品因運送過程中發生有形損壞而在交付後出現功能故障, 導致該商品無法實現商品製造商設計的部分預定功能, 且賣方或承運人未在送達之日後 60 日內將被保險人支付的款項退回被保險人的銀行卡或協力廠商網上支付帳戶內, 保險人將賠償被保險人因此損失的已支付購買款項 In the event of a valid claim We will pay You the purchase price for each item(s) of Your purchase, up to the amount as specified in the Policy Schedule. 對於該保險項下的有效索賠, 保險人將以保險單中載明的相應責任限額為限, 賠償被保險人購買商品所支出的金額或費用 SECTION III EXCLUSIONS 第三節責任免除 The Policy does not provide coverage for any of the following: 對於下列任何一項, 或出現下列任何情形時, 保險人在該保險合約項下不承擔賠償責任 : 1) Any motor vehicle, airplanes, boats, automobiles, motorcycles, watercraft and any equipment, parts or accessories; 1) 任何機動車輛 航空器 船舶 汽車 摩托車 水上運輸工具及對其進行操作或維修所需的任何設備 零部件或配件 ; Page 9 of 14 第 9 頁, 共 14 頁

10 2) We will not pay for any claim, expenses or loss under the section in connection with: 2) 與以下任一情形有關的索賠 費用或損失 : a. lawful confiscation by Police, Government Agencies, Courts or other empowered authorities; a. 商品被政府機關 法院或其他授權機構依法沒收 ; b. any fraudulent or willful act by You. b. 被保險人的任何欺詐行為或故意行為 3) We shall not be liable to pay any claim under the Section for non-delivery of or in connection with: 3) 與下列各項有關的索賠 : a. Any item purchased for less than NTD2000; 任何購買價格低於新台幣 2000 元的物品 ; b. animals or plant life; 動物或植物 ; c. cash, bullion, negotiable instruments, shares, travelers checks, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel) ; 現金 金銀 流通票據 股票 旅行支票或任何類型的票券 ( 包括但不限於體育賽事 娛樂活動的入場券或旅遊景點的門票 ); d. consumable or perishable items (including but not limited to food, flowers, drink, drugs, nutrition supplements); 易耗品或易腐品 ( 包括但不限於食品 鮮花 飲料 藥品 營養補充品 ); e. Goods purchased for commercial use including items purchased for re-sale or tools of trade or profession; 為商業用途而購買的商品, 包括用於轉銷售的商品 貿易工具或專業工具等 ; f. Access to internet websites, software or data files downloaded off the internet including music files, photos, reading material, books and movies; 互聯網站的訪問權或從互聯網下載的軟體或資料檔案 ( 包括音訊檔 照片 閱讀材料 書籍和電影等 ); g. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental, financial advice; 通過互聯網提供的服務, 包括訂購電影票 機票 預訂酒店 租車 理財諮詢等 ; h. Goods purchased from a natural person either through a private transaction or an online auction website. 通過私下交易或線上拍賣網站從自然人購買的商品 ; i. Counterfeit or fake goods 偽造或假冒產品 ; j. loss or damage due to a natural catastrophe, atmospheric or climatic conditions, wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, manufacturing defects or inherent vice, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning, servicing, maintenance, adjustment or repairs; 因自然災害 氣象或氣候條件 磨損 貶值 逐漸變質 水 污染 製造缺陷或固有缺陷 害蟲 昆蟲 白蟻 黴菌 潮濕或幹腐 細菌 生銹 清潔 檢修 維護 調整或維修造成的損失或損壞 ; k. losses due to mechanical failure, electrical failure; software or data failure; 因機械故障 電氣故障 軟體或資料故障造成的損失 ; l. loss of data; 資料丟失 ; m. Goods which are used goods, damaged goods or second-hand goods at the time of purchase; 購買時為舊商品 受損商品或二手商品 ; n. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters; 固定的家用或商用設施, 包括但不限於地毯 地板 地磚 空調 冰箱或加熱器 ; o. Goods used for, or intended to be used for, commercial, retail and/or property rental, or other business purposes; 用於或計畫用於商業 零售 財產租賃或其他商業目的的商品 ; p. items that You have rented or leased; 被保險人租賃的物品 ; q. items that were, at the time of purchase, used, rebuilt, refurbished, or remanufactured; 購買時已使用過或經過改造 翻新或重制的物品 ; r. Shipping and or handling expenses or installation and/or assembly related costs 運輸處理費用, 或相關安裝裝配費用 s. art, antiques, firearms and collectable items; Page 10 of 14 第 10 頁, 共 14 頁

11 藝術品 古董 槍械和藏品 ; t. furs, watches, jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones); 皮草 手錶 珠寶 寶石 貴重石器 金製品或含金品 ( 或由其他貴金屬 寶石製成或含有此類材質的商品 ); u. the costs or charges which do not relate to any purchase, which You paid for using Your credit card; 被保險人因使用信用卡所支付的年費及其他與購買無關的費用或收費 ; v. Any loss or damage caused by civil or foreign War, invasion, strike, riot, rebellion, civil commotion and Terrorist Act; 因內戰或國際戰爭 侵略 罷工 暴亂 叛亂 民眾騷亂及恐怖活動造成的任何損失或損壞 ; w. Any loss or damage caused by radioactivity, atomic fission or atomic fusion, either controlled or not, or nuclear incident 因放射性 原子裂變或原子聚變 ( 無論控制與否 ), 或者核事故引起的任何損失或損壞, x. misplacement; 放置不當 ; y. mysterious disappearance; or 神秘失蹤 ; z. goods deemed to be illegal by local government authorities. 當地政府機關認定屬於非法的商品 4) The Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. 4) 保險人在該保險合約項下提供任何保險保障 利益或支付任何保險賠償金會導致保險人違反聯合國決議項下的任何制裁 禁止性或限制性規定, 或者違反台灣或美國頒佈的任何經濟貿易制裁 法律法規 SECTION IV CONDITIONS 第四節賠償前提條件 To be eligible for coverage under the e-commerce Purchase Protect section the following needs to be present or to have occurred. 保險人在本合約項下承擔保險責任的前提是以下所有要求均被滿足 : 1. The delivery address for the Goods must be to Your postal address in Taiwan as registered with the card Issuer. 1. 商品的交貨地址必須為被保險人在台灣境內的通信地址, 且與在發卡機構登記的位址資訊一致 2. A shipment tracking number must be assigned and provided by the seller of the Goods or a designated transportation company 2. 商品必須有賣方或指定的運輸公司提供和分配的運單號 3. You must take all necessary reasonable action in time against the seller to send replacement Goods or refund the purchase amount to You. 3. 被保險人必須採取所有合理且必要的措施, 及時要求賣方發送替換商品或要求賣方退還被保險人購買商品支付的款項 4. You must have informed the Seller in writing of the Non-delivery of Goods and demanded replacement Goods or a full refund and the Goods have not been delivered. 4. 對於未交付網購商品的索賠, 被保險人必須以書面形式將商品尚未交付通知賣方, 並要求發送替換商品或全額退款 Page 11 of 14 第 11 頁, 共 14 頁

12 5. In the event that a claim for non-delivery is paid to You, and the original Goods eventually arrive, You should pay back any indemnity received to Us. 5. 在被保險人收到了未交付商品的賠款後, 如被保險人購買的商品最終送達, 則被保險人必須將收到的所有賠款退還保險人 6. In the event that a claim is submitted for improper functioning due to damage of delivered Goods- You shall notify the seller of the Goods and Us within 48 hours of delivery. 6. 對於交付商品存在功能故障的索賠, 被保險人必須在收到商品後 48 小時內通知賣方和保險人 7. You will cooperate with us and help us to enforce any legal rights You or we may have in relation to Your claim. 7. 被保險人應配合保險人工作, 協助保險人行使被保險人或保險人就被保險人的索賠所可能享有的任何合法權 利 8. The Eligible Card must remain open, valid and in good standing for payments to be made during the Policy Period. 8. 銀行卡必須始終處於開戶 有效狀態, 且信譽良好, 以便接收該保險合約項下賠付的保險金 The coverage under the Policy will be terminated immediately once the insured person is no longer a cardholder of the issuer. But for the insurance accident that has occurred before the termination, the insurer shall be liable for compensation in the insurance contract 一旦被保險人不再是約定的銀行卡持卡人, 該保險合約對該被保險人所提供的保障即行終止 但對於終止前已發生的保險事故, 保險人按保險合約規定承擔賠償責任 SECTION V UNIFORM PROVISIONS 第五節一般事項 1. Notice of Claim: Upon knowledge of loss occurring or likely to occur, You shall notify Us immediately. We shall not be liable for the undeterminable part if You fails to do so intentionally or for gross negligence, which makes it difficult to determine the nature, cause, degree of damage, etc. of the covered incident, unless We have known or should have known the incident in a timely manner through any other channel. 1. 理賠通知 : 被保險人得知發生或可能發生損失後, 應儘快書面通知保險人 若被保險人故意或者因重大過失未立即通知保險人, 致使保險事故的性質 原因 損失程度等難以確定的, 保險人對無法確定的部分不承擔賠償責任, 但保險人通過其他途徑已經及時或者應當及時知道保險事故發生的除外 持卡人報案聯繫電話 Claim Report 全國統一報案聯繫電話 Hotline for claim: 報案熱線開通時間 Opening hours:9:00-17:30( 週六 周日 節假日除外 exclude Saturday, Sunday and the holidays) 电邮 NSGIClaim_MasterCard@nsgeneral.com.tw 2. Proof of Loss: 2. 索賠證明文件 : The Cardholder must provide to the Insurer: 被保險人向保險人提出索賠時, 應提交下列檔和資料 : a) a signed claim form, if provided; a) 本人簽署的理賠申請表 ( 如適用 ); b) a copy of purchase receipt showing payment of the Covered Purchases which was made entirely with the Eligible Card; b) 購買收據的副本, 證明被保險購物的全部款項均使用銀行卡進行付款 ; c) The Cardholder's statement of account showing the Credit Account is valid and in good standing at the time of filing the claim. Page 12 of 14 第 12 頁, 共 14 頁

13 c) 持卡人的對帳單, 證明理賠時銀行卡帳戶有效且信用良好 3. CLAIM ASSESSMENT & HANDLING 3. 理賠審核及處理 After receiving the complete claim materials, We shall assess the claim in a timely manner. If the claim cannot be assessed within the statutory period under complicated circumstances, the both parties agree to allow an extension of no more than thirty (30) days. 保險人收到被保險人完整的索賠資料後, 應當及時做出核定 ; 情形複雜的, 如無法在法律規定的時限內做出核定, 則雙方同意適當延長, 但延長的時限最長不超過 30 天 We shall notify You of the assessment result. For a claim which falls within the insurance coverage, We shall make payment within 10 days after reaching an agreement on claim payment of indemnity with You. If the Policy provides otherwise for the time limit for payment of indemnity, We shall perform the obligation of paying indemnity as agreed upon therein. For a claim which does not fall within the insurance coverage, We shall, within three days after completing the assessment, send a notice of its refusal to pay indemnity to You, and give reasons therefor. 保險人應當將核定結果通知被保險人 對屬於保險責任的, 保險人應在與被保險人達成賠償協定後十日內, 履行賠償義務 保險合約對賠償的期限另有約定的, 保險人應當按照約定履行賠償保險金義務 保險人依照前款的規定做出核定後, 對不屬於保險責任的, 應當自做出核定之日起三日內向被保險人發出拒絕賠償保險金通知書, 並說明理由 4. Fraudulent Claims: We shall at Our option to cancel the Policy if: You make a claim under the Policy knowing that an insured incident actually never occurs; You intentionally fabricate an insured incident. We shall at Our option to decline the claim payment for the false part if: You fabricate the cause of incident or exaggerate the degree of damage by forging or altering the relevant documents, materials or any other evidence. 4. 欺詐性索賠 (1) 被保險人有下列行為之一的, 保險人有權解除保險合約, 不承擔保險責任 : 明知並未發生保險事故而仍提出索賠請求 ; 故意造成保險事故 (2) 被保險人以偽造 變造的有關證明 資料或者其他證據編造虛假的事故原因或者誇大損失程度, 保險人對其虛報的部分不承擔賠償責任 5. Governing Law and Jurisdiction: The Policy is governed by and interpreted in accordance to the laws of Taiwan. 5. 適用法律 : 該保險合約受臺灣法律管轄並據此進行解釋 6. Other Insurance 6 其他保險 If there are other insurance covering for the same insurable interest as the Policy, the Policy is in excess, which covers the amount not covered by such other insurance, up to the limits of the specific coverage as shown in the Policy. 保險事故發生時, 如有其他保險承保該保險合約項下相同的被保險標的, 該保險合約將負責賠償超出其他保險項 Page 13 of 14 第 13 頁, 共 14 頁

14 下應獲賠償金額的損失, 但賠償金額以保險合約中列明的責任限額為限 7. Subrogation 7 代位求償權 You shall, at the expense of the Us, do and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by Us for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which We shall be or would become entitled or subrogated upon their paying for or making good any loss, destruction or damage under the Policy whether such acts and things shall be or become necessary or required before or after this indemnification by Us. 當被保險人的損失應由有關責任方承擔時, 無論保險人是否已做出賠償, 被保險人應按保險人的合理要求, 並在保險人承擔費用的情況下, 採取 同意採取或允許他人採取一切必要及合理的措施, 以便保險人在賠償保險合約項下的損失後, 在賠償金額範圍內代位行使被保險人對有關責任方請求賠償的權利 8. Dispute Resolution 8 爭議解決 All disputes arising from the execution of the Policy or riders hereof shall be resolved through one of the following means to be selected by the Parties: The said disputes shall be resolved by the Parties through negotiations, failing which shall be referred to the agreed Arbitration Commission for arbitration; The said disputes shall be resolved by the Parties through negotiations, failing which shall be referred to courts of the People s Republic of Taiwan. 有關保險合約的一切爭議的解決方式, 由當事人從下列兩種方式中選擇一種 : (3) 因履行保險合約發生的爭議, 由當事人協商解決 協商不成的, 提交雙方約定的仲裁委員會仲裁 ; (4) 因履行保險合約發生的爭議, 由當事人協商解決 協商不成的, 依法向臺灣法院起訴 9. Limitation of actions 9 訴訟時效 The period of limitation of action of the insured to the insurer for compensation shall be two years, calculated from the date on which the insured person knows or should have known the occurrence of the insurance accident. 被保險人向保險人請求賠償的訴訟時效期間為二年, 自其知道或應當知道保險事故發生之日起計算 Page 14 of 14 第 14 頁, 共 14 頁