damage to or loss to a rental vehicle. Coverage applies when the entire rental fee is charged to the Cardmember’s

Card.

For 24 Hour Benefit Information:

Toll Free: 855-327-1434

Worldwide Collect: 630-694-9787

Certain limitations and exclusions apply.

Excess Automatic Loss Damage Reimbursement Summary of Coverage

Summary of Coverage

Definitions You Should Know: Insured: Insured means a Cardmember who charges the entire cost

of a Rented Automobile using his/her Card Account. Cardmember: Cardmember means a holder of

a First National Bank of Omaha American Express® Card (BIN 377486) whose name is embossed,

printed or otherwise affixed on a Card, or who has entered into an agreement with First National

Bank of Omaha for the extension of credit to be used to purchase goods and services from merchants

participating on the American Express network. Card: Card means a payment card or other payment

device or method linked to or representing a credit or charge account issued by First National Bank

as are trucks, recreational vehicles, campers, pickup trucks and minibuses. Damage or Loss:

Damage or Loss means direct and accidental loss to a Rented Automobile. Actual Cash Value:

Actual Cash Value means the cost to repair or replace the Damage or Loss to the Rented Automobile

at the time of loss, less depreciation. Licensed Rental Agency: Rental Agency means a commercial

automobile rental company licensed under the laws of the applicable jurisdiction. Excess Coverage:

Excess Coverage means that the Insured will be reimbursed only for losses/expenses not covered by

other plans or programs, such as a partial collision damage waiver, any personal auto insurance,

employer’s auto insurance or reimbursement plan or other sources of insurance. When these other

plans apply, an Insured must first seek payment or reimbursement from such plans, and receive a

determination based on the stated terms of such other plans, that any such plans do not provide

points has been charged or debited to an Insured Person's Account. Coverage also applies when the

were accumulated on the covered card Account.

Eligibility. This Damage or Loss protection is provided to you, as an Insured, automatically when,

and only when, the entire rental fee for the Rented Automobile is charged to your Card Account,

provided however, you reject, at the time of rental, any coverage against Damage or Loss available

from the Rental Agency. It is not necessary for you to notify First National Bank of Omaha, the

administrator or the Federal Insurance Company (the “Company”) at the time the rental fee is

charged to your Card.

The Cost. This coverage is provided at no additional cost to eligible Insureds under the Master

actually paid by the Insured. The insured must file a claim with their primary insurance as this policy

is Excess Coverage.

Exclusions. Coverage does not apply to loss resulting from the following: • Any dishonest,

fraudulent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation

by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being

intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence

of any narcotic unless prescribed by a physician. • Intentional damage to the Rented Automobile by

the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical

breakdown or failure, unless such damage results from a theft covered by the plan. • Damage to tires

unless damaged by fire, malicious mischief or vandalism, or stolen, or unless the loss be coincident

collector- type vehicles. • High-value motor vehicles which are defined as motor vehicles whose

replacement value exceeds $50,000. • Antique motor vehicles which are defined as any vehicle over

25 years old, or any vehicle which has not been manufactured for 10 years or more.

Effective Date. This plan is effective on the date your card account becomes eligible and expires

when the Master Policy #9907-50-45 terminates (in which case you will be notified by First National

Bank of Omaha), or on the date you no longer qualify as an eligible Insured (i.e., on the date your

Card account terminates or ceases to be in good standing), or on the expiration date of the applicable

coverage period for the Insured, whichever occurs first.

Misrepresentation and Fraud. Coverage of the Insured will be void if, at any time, the Insured has

account statement showing the charge for the Rented Automobile. • A copy of the automobile rental

agreement. • A copy of the police report pertaining to Damage or Loss. • A copy of the initial claim

report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the

automobile Rental Agency for the Damage or Loss for which the Insured is responsible. • Proof of

submission of the Loss to and the results of any settlement or denial by the applicable insurance

carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect.

To File a Claim. To obtain a claim form contact 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, PHONE NUMBER 855-231-2871 Fax

Number 855-830-3728.

motor vehicle is rented for use outside the United States, its territories and possessions; and (b) The

this paragraph continue to apply.

Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of

Insurance Companies. 15 Mountain View Road, PO Box 1615, Warren, NJ 07061-1615.

Excess Loss Damage Waiver on file with American Express Travel Related Services, Inc., and