NORDSTROM VISA SIGNATURE GUIDE TO ENHANCEMENTS

Transcription

1 NORDSTROM VISA SIGNATURE GUIDE TO ENHANCEMENTS

2 Welcome to the World of Nordstrom Visa Signature You can count on your new Visa Signature card to enhance your life and your every shopping experience. It includes a world of wonderful benefits designed to make your life easier. Keep this guide on hand it s your go-to source for information on the countless features, services and conveniences available to you. Thank you for choosing the Nordstrom Visa Signature card. Enjoy! Nordstrom Visa Signature benefits at-a-glance Get Rewarded Just for Shopping You ll earn rewards points for every net dollar you spend at Nordstrom and everywhere Visa credit cards are accepted. Accumulate 2,000 rewards points, and we ll send you a $20 Nordstrom Note to put toward something wonderful in Nordstrom stores, catalogs or online.* And that s just the beginning of the fabulous benefits of the Nordstrom Fashion Rewards program: the more you spend the better they get when you use your Nordstrom card at Nordstrom, Nordstrom Rack and nordstrom.com. For Terms and Conditions, see page 3. *You may redeem one Nordstrom Note per online order. Enhance Your Card With the Travel Option At any time, you may choose to participate in our alternative travel units option, which substitutes 1 travel unit for 1 rewards point for each net dollar spent everywhere Visa credit cards are accepted, including all your Nordstrom purchases. For complete information, see pages 5 6. This Guide to Benefit describes the benefit in effect as of 4/1/11. This benefit and description supersedes any prior benefit and description you may have received earlier. Please read and retain for your records. Your eligibility is determined by the date your financial institution enrolled your account in the benefit. Concierge Service 1 For assistance with everything from reservations to event tickets and services, just call hours a day, 7 days a week. Details on page 7. Visa Signature Benefits Enjoy instant access to dozens of everyday perks, once-in-a-lifetime experiences and fine wine and food events, through visa.com/signature. Get the Greatest Value at Some Of The World s Finest Properties Receive the best available rate, free in-room internet or valet parking and more when you book through the Visa Signature Luxury Hotel Collection. For details, visit visasignaturehotels.com. 1

3 More Spending Power Enjoy the freedom of no preset spending limit, allowing you to shop with confidence. 2 Year-End Summary Statement Our year-end summary statements ease your record keeping by offering an at-a-glance view of your account. 1 Cardholders are responsible for the cost of any goods or services purchased by the concierge service on cardholder s behalf. 2 No preset spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit access line will be evaluated based on your account spending and payment history, as well as your experience with other creditors. Roadside Dispatch 3 Should you need emergency roadside assistance, towing or lockout services, Visa Roadside Dispatch provides a 24-hour, toll-free dispatch network, VISA.TOW ( ). Auto Rental Collision Damage Waiver 3 Receive reimbursement for damage due to collision or theft of a rental car. Details on page 9. Lost Luggage Reimbursement 3 Get reimbursed for your checked luggage, carry-on luggage and its contents up to $3,000. Details on page 14. $500,000 Travel Accident Insurance 3 When you charge your entire travel fare to your Nordstrom Visa Signature card, receive coverage for common carrier accidental death or dismemberment. Details on page 16. Travel and Emergency Assistance Services 3 Get help coordinating medical, legal and travel services while you re away from home. Details on page 19. Purchase Security 3 Within the first 90 days of purchase with your Nordstrom Visa Signature card, have your items replaced or repaired or receive reimbursement for them in the event of theft or other covered reasons. Details on page 20. Warranty Manager Service 3 Get double the time period of the original manufacturer s warranty coverage, plus more convenient features, with just one phone call. Details on page Certain terms, conditions and exclusions apply. Please refer to the following pages for details. 2

4 Nordstrom Visa Signature Fashion Rewards, Concierge Service, and Alternative Travel Units Option Terms and Conditions To better serve your needs, we have outlined the terms and conditions of Nordstrom Fashion Rewards for your Nordstrom Visa Signature card in the following pages: The following Terms and Conditions are accurate as of the print date of September 10, To learn about any updates to Fashion Rewards benefits, and the Terms and Conditions, please visit nordstrombank.com. Then click on the link for the PDF version of the Guide to Enhancements under footnote 1 near the bottom of that page. As used in these Terms and Conditions, you, or your means each Nordstrom Visa Signature credit card accountholder obligated on the account and participating in Nordstrom Fashion Rewards and/or the alternative travel units option, or using the Concierge Service and the terms we, our, and us mean Nordstrom Bank. For purposes of these Terms and Conditions, the phrase net purchases means purchases less returns. By participating in Nordstrom Fashion Rewards and/or the alternative travel units option, or your use of the Concierge Service, you agree to be bound by these Terms and Conditions. These Terms and Conditions are in addition to your Nordstrom Bank Cardholder Agreement; Consumer Disclosures. General Terms and Conditions These Terms and Conditions shall be construed and interpreted under the laws of the state of Arizona, without regard to any Arizona conflicts of law provisions. Nordstrom Bank reserves the right to amend or modify the Nordstrom Fashion Rewards program and/or the alternative travel units option at any time and in any way (including, our right to discontinue benefits or expire points, as explained more fully below, to change the benefits, or to adjust the number of points earned for each dollar of net purchases). We will give you notice if we discontinue the Nordstrom Fashion Rewards program, the alternative travel units option, or any material aspect of this program. Value of Nordstrom Notes and the redemption of travel units will be applied against the total purchase price of the goods, services, or Qualified Travel Purchases (as defined below), including applicable taxes and fees. You may redeem one Nordstrom Note per online order. Nordstrom Notes may not be redeemed for international online orders. Nordstrom Notes may not be used as payment on your Nordstrom Visa Signature account. The alternative travel units option and many of the benefits associated with the Nordstrom Fashion Rewards program are offered exclusively through Nordstrom Bank or its parent company, Nordstrom, Inc. In some cases, Nordstrom, Inc. or Nordstrom Bank may contract with independent contractors to administer select benefits of the Nordstrom Fashion Rewards program or the alternative travel units option. Nordstrom, Inc. and Nordstrom Bank do not own or control the independent contractors used to administer such benefits and Nordstrom, Inc., Nordstrom Bank, the independent contractors and their respective affiliates and subsidiaries do not maintain control over the independent suppliers used to fulfill the benefits associated with the Nordstrom Fashion Rewards program or alternative travel units option. Nordstrom, Inc., Nordstrom Bank and their independent contractors do not assume responsibility in connection with any travel or other services provided by any independent supplier. You hereby release Nordstrom, Inc., Nordstrom Bank, its independent contractors, and/or any of their affiliates and subsidiaries from any responsibility and/or liability for any loss, injury, damage, accident, delay, inconvenience, or irregularity that any person may suffer due to any cause whatsoever relating to, arising out of or in connection with the alternative travel units option and/or the Nordstrom Fashion Rewards program, or the use of any facilities, services or goods in connection with any travel or other service provided by any independent supplier. 3

5 You are responsible for any tax liability you may incur related to your participation in the alternative travel units option or your purchase of benefits associated with the Nordstrom Fashion Rewards program. In addition to Nordstrom Bank s rights as explained under the heading When are points and/or benefits forfeited?, Nordstrom Bank reserves the right to cancel your participation in Nordstrom Fashion Rewards, your membership in the alternative travel units option, and/or your access to the Concierge Service in the event of fraud, abuse of rewards privileges, or violation of these Terms and Conditions. In order to access the Concierge Service and certain benefits associated with Nordstrom Fashion Rewards, you understand and agree that you may be asked to provide personal information about yourself, such as your shipping address, credit card information, and billing address, and that the information you provide will be disclosed to merchants and other third parties as necessary to complete your transaction. Nordstrom, Inc., Nordstrom Bank, and its independent contractors have no control over, and no responsibility or liability for, the use by any merchants or other third parties of personal information or any other information that such parties independently acquire from you or that is given to such parties to process your transactions or fulfill your benefits. Who is eligible? When we approve your Nordstrom Visa Signature credit card application, you are automatically enrolled in Level 1 of the Nordstrom Fashion Rewards program and will receive rewards points for net purchases made with your Nordstrom Visa Signature card. Your eligibility for Levels 2, 3, and 4 of Nordstrom Fashion Rewards will be reviewed quarterly and will be based on your net purchases made with your Nordstrom Visa Signature card at Nordstrom stores, Nordstrom Rack, nordstrom.com, and through Nordstrom catalogs ( net purchases at Nordstrom ). Level 2 requires an annual minimum of $2,000 in net purchases at Nordstrom; Level 3 requires an annual minimum of $5,000 in net purchases at Nordstrom; and Level 4 requires an annual minimum of $10,000 in net purchases at Nordstrom. Once you reach the qualifying net purchases at Nordstrom for Levels 2, 3, or 4, your benefits at each level include the category of benefits associated with the preceding level(s) of the Nordstrom Fashion Rewards program. Participation in the alternative travel units option requires your affirmative request. You remain eligible to receive rewards points, the benefits associated with Level 1, 2, 3, or 4 (subject to the qualifying net purchases at Nordstrom stated above) and/or travel units as long as your Nordstrom account remains open and Nordstrom Bank has not revoked your charging or purchasing privileges. You remain eligible to redeem travel units and Nordstrom Fashion Rewards benefits as long as your account remains open and Nordstrom Bank has not revoked your charging privileges. Nordstrom employees and Nordstrom purchases receiving an employee discount will earn rewards points for net purchase with a Nordstrom Credit Card or Nordstrom debit card, but will not be eligible for any other benefits associated with Level 1, 2, 3, and 4. How do points and units accrue? If you are participating solely in Nordstrom Fashion Rewards (and are not participating in the alternative travel units option), you will receive two rewards points for every dollar in net purchases at Nordstrom made with your Nordstrom Visa Signature card and you will receive one rewards point for every dollar in net purchases made with your Nordstrom Visa Signature card anywhere Visa credit cards are accepted. For international orders placed on nordstrom.com, you will receive one rewards point for every dollar in net purchases. International orders are not eligible for any bonus rewards points opportunities. If you are participating in the alternative travel units option, you have chosen to substitute one travel unit for one rewards point for each net dollar you charge to your Nordstrom Visa Signature 4

6 card everywhere Visa credit cards are accepted, including all of your Nordstrom purchases. If you enroll in the alternative travel units option at a date later than when you open your account, you will not receive retroactive travel units for net purchases charged to your account prior to the date you elect to enroll in the alternative travel units option. Your enrollment in the alternative travel units option does not alter or change your participation in or the benefits associated with Levels 1, 2, 3, or 4 of the Nordstrom Fashion Rewards program (subject to the qualifying net purchases at Nordstrom stated above). You may not combine or transfer your rewards points with your travel units; you may not combine your travel units with any other travel units received on any other account issued by Nordstrom Bank; and you may not combine travel units with any airline frequent flier program award miles. How are Nordstrom rewards points and/or Fashion Rewards benefits redeemed? You will receive a $20 Nordstrom Note for every 2,000 rewards points. Rewards points are updated monthly at the time of your Nordstrom monthly billing statement and Nordstrom Notes are generated a short time thereafter. You will receive notice that you have reached Nordstrom Fashion Rewards Levels 2, 3 or 4 after you have achieved the qualifying dollars in net purchases at Nordstrom. At that time, you will also receive information about the then-current list of benefits associated with your Level and how to redeem those benefits. You may also receive additional information about more benefits from time to time. Some of the benefits may have restrictions associated with them, may require you to purchase the benefit, may have limited available quantities, and may only be available while supplies last, and/or may be subject to other restrictions. We will explain applicable restrictions to you when you receive information about the benefit. The complimentary standard in-store shipping and alterations benefits require that you use your Nordstrom Visa Signature card to purchase the Nordstrom item associated with the shipping and/or alteration and further require you to charge the shipping and/or alteration fee to your Nordstrom Visa Signature card. The shipping and/or alteration fee will be refunded in one of two ways: (1) on your next monthly billing statement following the purchase, or (2) at time of purchase. The alterations benefit is not cumulative as you progress through the Fashion Rewards levels. This means, for example, if you are at a level where the total alterations benefit is $100 and you have used $100, when you progress to a level that provides for $300, you will have $200 left to use. The alterations benefit is not available for international online orders. The complimentary standard in-store shipping benefit is not available for international shipments. How are travel units redeemed? You may redeem travel units for a billing statement credit against your Nordstrom Visa Signature outstanding balance for your Qualified Travel Purchases (as defined below) according to the Travel Unit Redemption Schedule set forth below. A Qualified Travel Purchase is a purchase you charge to your Nordstrom Visa Signature account at airlines; train and rail ticket outlets; hotels; car rental companies; cruise lines; travel agencies; and online travel booking services. When you call us to redeem your travel units, you may combine multiple Qualified Travel Purchases, subject to the restrictions set forth below. 5

7 Number of Earned Travel Units You Redeem: Travel Unit Redemption Schedule You Will Receive a Credit Up To: 10,000 $100 20,000 $200 25,000 $313 30,000 $375 40,000 $500 50,000 $875 60,000 $1,050 70,000 $1,225 80,000 $1,400 90,000 $1, ,000 $1,750 There is no maximum to the amount of earned travel units you may redeem during any single redemption request; however, you must redeem your earned travel units based on the increments set forth in the Travel Unit Redemption Schedule. You may redeem earned travel units in excess of 100,000 units; however, your travel unit redemption request in excess of 100,000 units must be made in 10,000 unit increments. We will tell you the amount of credit you are eligible to receive when you call to make a travel unit redemption request in excess of 100,000 units. The billing statement credit you will receive will not exceed the amount of your Qualified Travel Purchase(s). For example, if you have a charge at an airline for $315 and a car rental company for $150 and you have earned at least 40,000 travel units, you may redeem 25,000 travel units for a $313 credit, or you may redeem 30,000 travel units for a $375 credit, or you may redeem 40,000 travel units for a $465 credit. In order to redeem earned travel units for a Qualified Travel Purchase, you will need to call us at You may call to redeem your earned travel units only after the Qualified Travel Purchase(s) has posted to your Nordstrom Visa Signature account. We must receive your travel unit redemption request within 60 days after the Qualified Travel Purchase posts to your Nordstrom Visa Signature account. You will be asked to provide the following information when you call to redeem your travel units: (a) the date you purchased the Qualified Travel Purchase; (b) the name of the merchant; (c) type of Qualified Travel Purchase and; (d) the amount of the Qualified Travel Purchase. Your Nordstrom Visa Signature account will be charged the full amount of the Qualified Travel Purchase. We will post your credit to your Nordstrom Visa Signature billing statement within two business days after you call to redeem your earned travel units. You may not withhold any payment due on your Nordstrom Visa Signature account because you believe you will receive a credit for redeeming travel units. Your request to redeem earned travel units is permanent and will not be reversed for any reason, even if, for example, you subsequently receive a credit from the merchant from whom you made a Qualifying Travel Purchase. 6

8 When are points, units and/or benefits forfeited? You will forfeit all accumulated and unused travel units when Nordstrom Bank revokes your charging privileges. You will forfeit all accumulated and unused rewards points if you fail to pay two or more consecutive minimum payments due on your Nordstrom Visa Signature account. You will forfeit all access to all of the benefits associated with Levels 1, 2, 3, and 4 of Nordstrom Fashion Rewards when your Nordstrom Visa Signature account is closed and/or you fail to pay two or more consecutive minimum payments on your account. When do points, units and/or benefits expire? All points and benefits expire when your account is closed. The following rules apply as long as your account is not closed: rewards points earned and not redeemed for Nordstrom Notes shall expire three (3) years from the last day of the year in which the points were earned. Travel units expire three (3) years from the last day of the calendar year in which the travel units were earned unless you have made purchases using your Nordstrom Visa Signature account in the preceding twelve (12) months. If you have travel units older than (3) years and you have not made purchases using your Nordstrom Visa Signature account in the preceding twelve (12) months, your travel units older than three (3) years will expire on the last day of the third calendar year from the year in which you earned the travel units. The benefits associated with Levels 1, 2, 3, and 4 of Nordstrom Fashion Rewards shall expire twelve (12) months after the calendar year in which you achieved the qualifying dollars in net Nordstrom purchases. How does the Concierge Service work? You and your authorized users have access to the Concierge Service. You may request the Concierge Service by calling Nordstrom Customer Service at , 24 hours a day, 7 days a week. The Concierge Service is available for your personal use and the personal use of your authorized users only. You may be asked to verify your status as a Nordstrom Visa Signature cardholder whenever you use the Concierge Service. You will continue to have access to the Concierge Service as long as your account remains open and Nordstrom Bank has not revoked your charging privileges. The Concierge Service is a service offered through Nordstrom Bank. Nordstrom Bank has contracted with Nordstrom, Inc. and one or more independent contractors to administer the Concierge Service. Nordstrom Bank, Nordstrom, Inc., any independent contractors administering Concierge Services, and their respective affiliates and subsidiaries (1) do not maintain control over the merchants and other third parties used to complete your transaction or service request; (2) do not assume responsibility for any actions in connection with any transaction or service provided by any merchant or other third party; and (3) do not provide, endorse, or guarantee the products or services you purchase through this service. You hereby release Nordstrom Bank, Nordstrom, Inc., any independent contractors administering Concierge Services, and any of their respective affiliates and subsidiaries from any responsibility and/or liability for any loss, injury, damage, accident, delay, inconvenience, or irregularity that any person may suffer due to any cause whatsoever relating to, arising out of or in connection with the Concierge Service or the use of any facilities, services or products in connection with any transaction or service provided through the Concierge Service to any person by any merchant or other third party. Arbitration Please read this arbitration provision carefully. Unless you send us the rejection notice described in this document, this provision will apply to you and, as a result, either one of us can elect to subject any Fashion Rewards Dispute between us to individual arbitration. This means that: (1) a court or jury will not resolve the Fashion Rewards Dispute; (2) you will not be able to participate in a class action or similar proceeding to resolve the Fashion Rewards Dispute; and (3) your appeal rights during and after arbitration will be limited. 7

9 As used in this arbitration provision, a Fashion Rewards Dispute means any claim or controversy between us that in any way arises from or relates to the Nordstrom Fashion Rewards program, including, but not limited to, the Nordstrom Fashion Rewards Terms and Conditions, the issuance or redemption of Nordstrom Notes, Nordstrom Fashion Rewards points, the alternative travel units option, other services and events access. Fashion Rewards Dispute has the broadest possible meaning, and includes, without limitation, disputes based upon contract, tort, consumer rights, fraud and other intentional torts, agency, statute or constitution, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). Fashion Rewards Dispute includes claims, counterclaims, cross-claims, and third-party claims, and it includes disputes in the past, present, or future. It also includes disputes about the validity, enforceability or scope of this arbitration provision. Fashion Rewards Dispute does not include any dispute arising out of the terms and conditions of your credit card, debit card, or check card agreement with Nordstrom Bank, such as the collection of any balance on your account. If one of us elects to arbitrate a Fashion Rewards Dispute, it will be resolved by mandatory binding arbitration. The electing party must notify the other party in writing. To make an election to arbitrate, you must send a written notice to Nordstrom Bank, P.O. Box 13579, Scottsdale, AZ 85267; ATTN: ARBITRATION DEMAND or we must send a written notice to you at the most current address we have on file for you. This notice can be given at any time before or after the beginning of a lawsuit by either party and may be included in papers filed in the lawsuit. The party seeking arbitration must select as the arbitration administrator either the American Arbitration Association ( AAA ), 1633 Broadway, 10th Floor, New York, NY 10019, , or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, You can contact the AAA or JAMS to find out more information on how to commence an arbitration proceeding. The arbitrator(s) will be appointed in accordance with the procedures of the arbitration administrator, and must be a lawyer with at least ten years of legal experience. The arbitration will take place in the federal judicial district where you reside and either one of us may elect to appear by telephone. We will pay the arbitration filing fee and consider requests to advance additional costs and fees on your behalf. If you receive a favorable award from the arbitration proceeding, we will reimburse you for the reasonable costs and fees of arbitration (but this does not include fees of attorneys, experts or consultants, unless applicable law provides you a right to recover those fees). YOU AGREE NOT TO BRING A FASHION REWARDS DISPUTE AGAINST US IN A CLASS ACTION, REPRESENTATIVE ACTION OR SIMILAR PROCEEDING IN COURT OR ARBITRATION. YOU ALSO AGREE NOT TO BRING A FASHION REWARDS DISPUTE AGAINST US ON BEHALF OF ANY OTHER PERSON, AND YOU AGREE THAT NO OTHER PERSON MAY BRING A FASHION REWARDS DISPUTE AGAINST US ON YOUR BEHALF. YOU MAY NOT JOIN A FASHION REWARDS DISPUTE IN A SINGLE ARBITRATION WITH A FASHION REWARDS DISPUTE OF ANY OTHER PERSON. IF YOU TRY TO ASSERT ANY FASHION REWARDS DISPUTES IN A CLASS ACTION OR SIMILAR PROCEEDING, WE CAN REQUIRE THAT IT BE RESOLVED IN INDIVIDUAL (NON-CLASS) ARBITRATION. THIS PARAGRAPH IS REFERRED TO AS THE CLASS ACTION PARAGRAPH. YOU AGREE NOT TO BRING A FASHION REWARDS DISPUTE AGAINST US IN A PRIVATE ATTORNEY GENERAL ACTION IN COURT OR ARBITRATION. If you do not want this arbitration provision to apply, you must reject it in writing by mailing us a written rejection notice containing your name legibly printed, the last four digits of your Nordstrom card number, a statement that you reject the arbitration provision, and your signature. The rejection notice must be sent by you to us at Nordstrom Bank, P.O. Box 13579, Scottsdale, AZ Your rejection notice is effective only if it meets the above requirements, is signed by you and we receive it within sixty (60) calendar days after the date we first provide you with the Nordstrom Fashion Rewards Terms and Conditions containing the arbitration provision. Subsequent republications or delivery of the Nordstrom Fashion Rewards Terms and Conditions will not trigger 8

10 another right to reject the arbitration provision. Your rejection of this arbitration provision will not affect any other provision of the Nordstrom Fashion Rewards Terms and Conditions. This arbitration provision is governed by the Federal Arbitration Act (the FAA ). The arbitrator(s) must follow: (1) the FAA; (2) all other applicable substantive law (except when contradicted by the FAA); (3) any applicable statute of limitations; and (4) rules as to valid claims of privilege. Further, the arbitrator(s) shall issue a written decision including the reasons for the award upon either party s request. The decision of the arbitrator(s) will be final and binding, except for any appeal right under the FAA. This arbitration provision will survive the termination of the Nordstrom Fashion Rewards Terms and Conditions or your relationship with us. If any part of this arbitration provision is found to be void or unenforceable under applicable law, all other parts of this arbitration provision and of the Nordstrom Fashion Rewards Terms and Conditions will still apply; except that if the Class Action Paragraph is found to be void or unenforceable in any way, this entire arbitration provision shall be deemed void and shall not apply, but all other parts of the Nordstrom Fashion Rewards Terms and Conditions will still apply. Nordstrom Bank is a trade name of Nordstrom fsb, a wholly owned subsidiary of Nordstrom, Inc. 09/12 Auto Rental Collision Damage Waiver What is this benefit? Subject to the terms and conditions provided in this Guide to Benefit, the Visa Signature Auto Rental Collision Damage Waiver benefit ( Auto Rental CDW ) provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible insurance from any other source. We will reimburse you only for the damage or theft not payable by any other party. Here are answers to some commonly asked questions about the benefit. Who is eligible? You are eligible only if you are a valid cardholder whose name is embossed on an eligible U.S.- issued Visa Signature card. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered. What is covered? Subject to the terms and conditions in this Guide to Benefit, if you do not have personal automobile insurance or any other insurance covering this theft or damage, this benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle. If you have personal automobile insurance or other insurance covering this theft or damage, the Visa Signature Auto Rental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and lossof-use charges imposed by the auto rental company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility. Only vehicle rental periods that neither exceed nor are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence are covered. The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle. 9

11 Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. This means that, subject to the terms and conditions of this Guide to Benefit, Visa Signature Auto Rental CD W applies to eligible theft or damage or expenses that are not covered by insurance or reimbursement. The benefit covers: Physical damage and/or theft of the covered rental vehicle. Valid loss-of-use charges imposed and substantiated by the auto rental company through a fleet utilization log. Reasonable and customary towing charges, due to a covered theft or damage, to the nearest qualified repair facility. How do I activate this benefit? For the benefit to be in effect, you must: Initiate and complete the entire rental transaction with your eligible Visa Signature card, and Decline the auto rental company s collision damage waiver (CDW/LDW) option, or similar provision. Helpful hints: Check the rental vehicle for prior damage before leaving the rental lot. Review the auto rental agreement carefully to make sure you are declining CDW/LDW and also to familiarize yourself with the terms and conditions of the auto rental agreement. What do I do if I have an accident or the rental vehicle is stolen? Immediately call the Benefit Administrator at to report the theft or damage regardless of whether your liability has been established. If you are outside the United States, call collect at The Benefit Administrator will answer any questions you or the rental agency may have and will then send you a claim form. All incidents must be reported immediately following the theft or damage, but in no event later than forty-five (45) days* following the date of the theft or damage. Furthermore, we reserve the right to deny any claim that contains charges that would not have been included had the Benefit Administrator been notified before those expenses were incurred. We therefore advise you to notify us immediately after any incident. You must make every reasonable effort to protect the rental vehicle from theft or damage. What is not covered? Any obligation you assume under any agreement (other than the deductible under your personal auto policy). Any violation of the auto rental agreement or this benefit. Injury of anyone or damage to anything inside or outside the rental vehicle. Loss or theft of personal belongings. Personal liability. Expenses assumed, waived, or paid by the auto rental company or its insurer. Cost of any insurance or collision damage waiver offered by or purchased through the auto rental company. Depreciation of the rental vehicle caused by the incident including, but not limited to diminished value. Expenses reimbursable by your insurer, employer, or employer s insurance. Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband or illegal activities. Wear and tear, gradual deterioration, or mechanical breakdown. Items not installed by the original manufacturer. Damage due to off-road operation of the rental vehicle. 10

12 Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities). Confiscation by authorities. Vehicles that do not meet the definition of covered vehicles. Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence. Leases and mini leases. Theft or damage as a result of the authorized driver s and/or cardholder s lack of reasonable care in protecting the rental vehicle before and after damage occurs (for example, leaving the vehicle running and unattended). Theft or damage reported more than forty-five (45) days* from the date of incident. Theft or damage for which a claim form has not been received within ninety (90) days* from the date of the incident. Theft or damage for which all required documentation has not been received within three hundred and sixty-five (365) days from the date of the incident. Theft or damage from rental transactions which originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. What if the auto rental company insists that I purchase the auto rental company s auto insurance or collision damage waiver? Call the Benefit Administrator at for help. If you are outside the United States, call collect at *Not applicable to residents of certain states. When and where do I have this benefit? This benefit is available in the United States and most foreign countries. No benefit is provided for motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, this benefit is not available where precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by individual merchants. Because regulations vary outside the United States, we recommend you check with your auto rental company and the Benefit Administrator before you travel to make sure Visa Signature Auto Rental CDW will apply. This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto rental company. This benefit terminates when the auto rental company re-assumes control of the rental vehicle. How does this benefit apply? Within your country of residence, Visa Signature Auto Rental CDW supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. It does not duplicate insurance provided by or purchased through the auto rental company; it will not pay for theft or damage reimbursable by your own insurer, employer, employer s insurance, or any other valid and collectible reimbursement; however, it will pay for the outstanding deductible portion or other charges, including valid administration and loss-of-use charges not covered by your applicable automobile insurance policy. Outside your country of residence or if you do not have automobile insurance, you do not have to claim payment from any other source of insurance before receiving the benefit. What types of rental vehicles are not covered? Excluded worldwide are: expensive, exotic, and antique automobiles; certain vans; vehicles 11

13 that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles. Examples of excluded expensive or exotic automobiles are the Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered. An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been manufactured for ten (10) years or more. This benefit is provided for only those vans manufactured and designed to transport a maximum of eight (8) people including the driver and which is used exclusively to transport people. If you have any questions regarding a specific vehicle, call the Benefit Administrator at If you are outside the United States, call collect at What do I need from the auto rental company in order to file a Visa Signature Auto Rental CDW claim? At the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental company for: A copy of the accident report form and claim document, which should indicate the costs you are responsible for and any amounts that have been paid toward the claim. A copy of the initial and final auto rental agreement(s). A copy of the repair estimate or itemized repair bill. Two (2) photographs of the damaged vehicle, if available. A police report, if obtainable. How do I file a claim? You, the cardholder, are responsible for reporting your claim to the Benefit Administrator immediately, but in no event later than forty-five (45) days* from the date of theft or damage, or your claim will be denied. Notice to any other party will not suffice. Furthermore, we reserve the right to deny any claim that contains charges that would not have been included had the Benefit Administrator been notified before those expenses were incurred. We therefore advise you to notify us immediately after any theft or damage. Submit the following documentation to the Benefit Administrator: The completed and signed Visa Signature Auto Rental CDW Claim Form. Your completed claim form must be postmarked within ninety (90) days* of the date of the theft or damage, even if all other required documentation is not yet available, or your claim will be denied. A copy of your receipt or monthly billing statement as proof that the entire vehicle rental was charged and paid for with your eligible Visa Signature card. A statement from your insurance carrier (and/or your employer or employer s insurance carrier, if applicable) or other reimbursement showing the costs for which you are responsible and any amounts that have been paid toward the claim. Or, if you have no applicable insurance or reimbursement, a notarized statement of no insurance or reimbursement is required. A copy of the declaration page from your automobile insurance carrier. The following documents must be obtained from the auto rental company and provided to the Benefit Administrator: A copy of the accident report form. A copy of the initial and final auto rental agreement(s). 12

14 A copy of the repair estimate or itemized repair bill. Two (2) photographs of the damaged vehicle, if available. A police report, if obtainable. Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim. For faster filing or to learn more about Visa Signature Auto Rental CDW go to eclaims. If you experience difficulty in obtaining all the required documents within ninety (90) days* of the date of theft or damage, just submit the claim form and any documentation you already have available. NOTE: All remaining documents must be postmarked within three hundred and sixty-five (365) days of the date of theft or damage. Do I have to do anything else? Usually not. Under normal circumstances, the claim will be finalized within fifteen (15) days after the Visa Signature Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your claim. However, if the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies. *Not applicable to residents of certain states. Additional Provisions for Auto Rental CDW: You must make every effort that would be made by a reasonable and prudent person to protect the Rental Vehicle from theft or damage. This provision will not be unreasonably applied to avoid claims. If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact. Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the incident/occurrence. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within twelve (12) months of the date of incident/occurrence. No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against us unless all the terms of this Guide to Benefit have been complied with fully. This benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled. Termination dates may vary by financial institutions. Visa and/or your financial institution can cancel or non-renew the benefit, and if so, we will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa Signature cardholder. It is insured by Indemnity Insurance Company of North America. 13

15 FORM #VARCDW 2010 (Stand 04/11) Lost Luggage Reimbursement How do I benefit from Lost Luggage Reimbursement? When You pay for the entire cost of Common Carrier tickets with Your eligible Visa Signature card, You will be eligible to receive reimbursement for Your Checked Luggage, carry-on luggage, and its contents for the difference between the value of the amount claimed and the Common Carrier s payment, up to three thousand dollars ($3,000.00) per trip [in New York, coverage is limited to two thousand dollars ($2,000.00) per bag for New York residents], provided the luggage was lost due to theft or misdirection by the Common Carrier. The value of the amount claimed is the lesser of the actual purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection with deduction for depreciation, or the cost to replace the item(s). The Eligible Person must take all reasonable means to protect, save, and/or recover any carry-on property at all times. This reimbursement is supplemental to and excess of any valid and collectible insurance and/or possible reimbursement from any other source. What items are not covered? Automobiles, automobile accessories and/or equipment; motorcycles, motors, bicycles (except when checked with the Common Carrier), boats, or other vehicles or conveyances. Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs. Money, securities, credit or debit cards, checks, and traveler s checks. Tickets, documents (travel or otherwise), keys, coins, deeds, bullion, stamps, perishables, consumables, perfume, cosmetics, rugs and carpets, animals, cameras, sporting equipment, and household furniture. Property shipped as freight or shipped prior to trip departure date. Items specifically identified or described in and insured under any other insurance policy. Losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials. Loss resulting from abuse, fraud, or hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection). Business items, cellular telephones, or art objects. Definitions Business Items means items that are used in the purchase, sale, production, promotion, or distribution of goods or services (including, but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.). Checked Luggage means suitcases or other containers specifically designed for carrying personal belongings, for which a claim check has been issued to You by a Common Carrier. Common Carrier means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, limousine services, or commuter rail or commuter bus lines. Eligible Person means a Visa Signature cardholder who pays for the specific occasions covered by using the eligible card. Immediate Family Member means Your spouse or legal dependent children under age eighteen (18) [twenty-five (25) if enrolled as a full-time student at an accredited institution]. You and Your means an Eligible Person (as defined above) or Your Immediate Family Members who charged their trip to Your eligible Visa Signature card. 14

16 What do I do if my luggage or its contents are lost or stolen? If Your luggage or its contents are lost or stolen, 1) immediately notify the Common Carrier to begin the Common Carrier s claim process, and 2) immediately call the Benefit Administrator at , or call collect at Notification to the Benefit Administrator must be made within twenty (20) days from the date the luggage was lost or stolen. The Benefit Administrator will answer any questions You may have and send You a special claim form. How do I file a claim? Complete the claim form You receive from the Benefit Administrator. Mail the following items within ninety (90) days from the date the luggage was lost or stolen to the address provided: 1. The completed claim form. 2. A copy of Your charge slip or receipt, as proof that the Common Carrier tickets were charged and paid for with Your eligible Visa Signature card. 3. A copy of the check, settlement, denial, or explanation of coverage issued by the Common Carrier together with a copy of the Common Carrier s completed claim form, a list of the items lost and their value, and a copy of the luggage claim check (if applicable). 4. A copy of Your insurance declaration page or documentation of any settlement of the loss or theft. 5. Any other documentation deemed necessary by the Benefit Administrator to substantiate the loss or theft. Do I have to file a claim with my insurance company? Yes. If You have personal insurance (i.e. homeowner s, renter s, or other insurance applicable to the lost or stolen luggage or contents), You are required to file a claim with Your insurance company and submit a copy of any claim settlement along with Your completed claim form. If the claim amount is within Your personal insurance deductible, the Benefit Administrator may, at its option, deem a copy of Your personal insurance declarations page to be sufficient. Transference of Claims After the Provider has paid Your claim of loss or theft under this reimbursement benefit, all Your rights and remedies against any party in respect of this loss or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies. Additional Provisions for Lost Luggage Reimbursement: Lost Luggage Reimbursement is supplemental to and excess of any other valid and collectible avenue of recovery which is available to You, the eligible Visa Signature cardholder. We refund the excess amount once all other reimbursement has been exhausted up to the limit of liability. This benefit is available only to You, the eligible Visa Signature cardholder. You shall use due diligence and do all things reasonable to avoid or diminish any loss to property protected by this benefit. This provision will not be unreasonably applied to avoid claims. If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim and Your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact. No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. After the expiration of two (2) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought 15