Guide to Benefits

For questions,

call 1-888-320-9956

Eective 08/26/18

BGC10758

Guide to Benets

Important information about your

travel and purchase protection benets

Chase Ink Business Preferred

Card

Visa Signature

Business

2 Questions? Call 1-888-320-9956

TABLE OF CONTENTS

Auto Rental Collision Damage Waiver 3

Baggage Delay 8

Cellular Telephone Protection 13

Extended Warranty Protection 17

Lost Luggage 20

Purchase Protection 25

Roadside Dispatch 29

Travel Accident Insurance 31

Travel and Emergency Assistance Services 40

Trip Cancellation / Interruption Insurance 42

Trip Delay Reimbursement 52

Your Guide to Benets describes the benet that is in eect as

of 08/26/18. Information in this guide takes the place of any

prior benet and benet description you may have previously

received. Your eective date of eligibility is determined

by Chase.

Please keep the guide with your account information for future

reference and call the Benet Administrator if you have any

questions before taking advantage of the benet.

2 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 3

Auto Rental Collision Damage Waiver

(Auto Rental CDW)

Benet Information

What is Auto Rental CDW?

The Auto Rental CDW benet provides reimbursement for damage

due to collision or theft up to the actual cash value of most rental

vehicles. It is primary coverage which means you do not have to le

a claim with any other source of insurance before you can receive

coverage under this benet while renting primarily for business

purposes, renting outside your country of residence for personal

reasons or if you do not have automobile insurance.

Within your country of residence, if you are renting for personal

reasons, Auto Rental CDW is secondary coverage which means

it supplements, and applies in 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. Auto Rental CDW will not pay for theft or

damage reimbursable by your own insurer, employer, employer’s

insurance, or any other valid and collectible reimbursement.

However, this benet 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.

What steps do I need to take to ensure that Auto

Rental CDW is in eect when I rent a vehicle?

Here’s what you need to do:

1. Initiate and complete the entire rental transaction using your

card that is eligible for the benet.

2. Decline the rental company’s collision damage waiver or similar

provision if it is oered to you. The company may refer to the

collision damage waiver as CDW or LDW in their contract or

when speaking with you. If you accept the collision damage

waiver oered by the rental company, you will not be

eligible for Auto Rental CDW.

What if the auto rental company insists

that I purchase its car insurance or

collision damage waiver?

Call the Benet Administrator for help.

Is there anything else I should do when I’m

renting a vehicle?

It’s always good practice to review the rental agreement and

become familiar with its terms and conditions. Also, make

sure you decline the rental company’s CDW/LDW option as

mentioned above.

Check the vehicle for prior damage before leaving the rental lot.

If you notice damage, report it to your rental agent before leaving

the lot.

Coverage Information

Who is eligible for coverage?

You, a person to whom a United States (U.S.) credit card has been

issued (“Cardholder”) and your name is embossed on the card.

4 Questions? Call 1-888-320-9956

You are then covered as the primary renter of the vehicle and any

additional drivers permitted to operate it under the terms of the

rental agreement (“Authorized Person”) are also covered.

When and where am I covered?

The benet is available in the United States and most foreign

countries. Coverage is not available where it is prohibited by law

or by individual merchants, or is in violation of the territory terms

of the rental agreement. Please note: Regulations vary outside

the United States, so we recommend that you check with your

auto rental company and Benet Administrator before you

travel to make sure your Auto Rental CDW will apply.

This benet is in eect while the rental vehicle remains in your

control or in the control of another Authorized Person. Coverage

ends when the rental company reassumes control of the vehicle.

What is covered?

Auto Rental CDW reimburses you for covered losses to the

rental vehicle while it is in your control or in control of another

Authorized Person. The benet only covers vehicle rental periods

that do not exceed or are not intended to exceed thirty-one (31)

consecutive days within or outside of your country of residence.

Covered losses are:

• Physical damage and/or theft of the covered rental vehicle

• Valid loss-of-use charges assessed by the rental company while

the damaged vehicle is being repaired and is not available for

use, as substantiated in the company’s eet utilization log

• Reasonable and customary towing charges related to a covered

loss to take the vehicle to the nearest qualied repair facility.

Auto Rental CDW is primary coverage when renting primarily for

business purposes, renting outside your country of residence for

personal reasons or if you do not have automobile insurance.

Coverage is secondary when renting inside your country

of residence for personal use. Auto Rental CDW 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 for coverage, but

some restrictions may apply.

What types of rental vehicles are not covered?

Excluded worldwide are: expensive, exotic, and antique

automobiles; cargo vans; vehicles that have an open cargo bed;

trucks; motorcycles, mopeds, and motorbikes; limousines; and

recreational vehicles.

• Examples of excluded expensive or exotic automobiles are

these brands: Alfa Romeo, Aston Martin, Bentley, Corvette,

Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren,

Porsche, Rolls Royce, and Tesla. However, selected models

of Audi, BMW, Cadillac, Inniti, Land Rover, Lexus, Lincoln,

Mercedes Benz and Range Rover are covered.

• An antique automobile is dened as any vehicle over

twenty (20) years old or any vehicle that has not been

manufactured for ten (10) years or more.

• This benet is provided only for those vans manufactured

and designed to transport a maximum of nine (9) people and

which are used exclusively to transport people.

If you have any questions about a specic vehicle, please call

the Benet Administrator.

4 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 5

What else is not covered?

• Any obligation you assume under any other agreement

• Any violation of the auto rental agreement

• Conscation by authorities

• Cost of any insurance or collision damage oered or purchased

through the auto rental company

• Depreciation of the rental vehicle caused by loss or damage,

which includes but is not limited to “diminished value”

(“diminished value” is the monetary dierence between a

vehicle’s pre-accident retail book value and its retail book value

after reasonable repairs are made as the result of an accident)

• Expenses assumed, waived, or paid by the rental agency or

its insurer

• Expenses reimbursed under your business or personal auto

insurance policy

• Injury of anyone or anything inside or outside of the vehicle

• Items not installed by the original manufacturer

• Leases and mini leases

• Loss due to hostility of any kind (including but not limited to war,

invasion, rebellion, or insurrection)

• Loss due to intentional acts or due to the driver(s) being

under the inuence of alcohol, intoxicants, or drugs, or due to

transportation of contraband or engagement in illegal activities

• Loss due to o-road operation of the rental vehicle

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

reasonable care in protecting the rental vehicle before or after

damage occurs (for example, leaving the vehicle unattended

and running)

• Loss or theft of personal belongings

• Losses for which a claim form has not been received within one

hundred (100) days

†

from the date of the loss

• Losses for which all required documentation has not been

received within three hundred and sixty-ve (365) days from

the date of loss

• Losses reported more than sixty (60) days

†

from the date

of loss

• Personal liability

• Rental periods that exceed or are intended to exceed

thirty-one (31) consecutive days within your country of

residence or thirty-one (31) consecutive days outside your

country of residence.

• Vehicles that do not meet the denitions of covered vehicles

• Wear and tear, gradual deterioration, or mechanical breakdown

Claim Information

What do I do if I have an accident or the rental

vehicle is stolen?

Call the Benet Administrator immediately to report theft or

damage, regardless of whether your liability has been established.

The Benet Administrator will answer any questions you or the

rental agency may have and will then send you a claim form.

Is there a time period during which I must report any

incident?

It’s important to report all incidents as soon as possible

following the incident. You must report the incident no later than

6 Questions? Call 1-888-320-9956

sixty (60) days

†

following the date of the theft or damage. We

reserve the right to deny any claim containing charges that the

Benet Administrator would not have included had it been notied

of those expenses before they were incurred. It’s important that

you notify us as soon as possible after any loss. You must make

every reasonable eort to protect the rental vehicle from damage

or theft.

How do I le a claim?

Please remember that you, the Cardholder, are responsible

for reporting your claim to the Benet Administrator within

sixty (60) days† of the date of theft or damage. If the claim

is reported after this time frame, your claim may be denied.

Please note that reporting the claim to another party will not fulll

your responsibility to report it to the Benet Administrator.

What documentation do I need to provide to the

Benet Administrator?

• The completed and signed Auto Rental Collision Damage

Waiver Claim Form: Your completed claim form must be

postmarked within one hundred (100) days

†

of the date of

theft or damage, even if all other required documentation

is not yet available. If your claim form is not postmarked

within this time frame, your claim may be denied.

• A copy of your receipt or monthly billing statement showing

the last four (4) digits of the account number indicating that

the entire vehicle rental was charged to and paid for with your

eligible card.

• A written conrmation from your employer that the rental was

primarily for business purposes.

• If the rental was for personal use, enclose a statement from

your insurance carrier 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, please provide a

statement to that eect.

• A copy of the declaration page from your primary automobile

insurance carrier if the rental was for personal use.

Also, enclose all the documents you received from the car

rental company. You should ask the rental company for these

documents immediately at the time of the theft or damage or

when you return the vehicle to the company:

• A copy of the Accident Report Form and a copy of the demand

letter which indicates the costs you are responsible for and any

amounts that have been paid toward the claim.

• A copy of the entire 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

• Any other documentation deemed necessary, in the Benet

Administrator’s sole discretion, to substantiate the claim

For faster ling, or to learn more about Auto Rental Collision

Damage Waiver, visit www.eclaimsline.com

If you experience diculty in obtaining all the required

documents within one hundred (100) days† of the date

of theft or damage, just submit the claim form and any

documentation you have available. NOTE: All remaining

6 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 7

documents not submitted with the claim form must be

postmarked within three hundred and sixty-ve (365) days of the

date of theft or damage.

Do I have to do anything else?

Usually, there is nothing else you need to do. Generally, the

claim will be paid within fteen (15) days after the Auto Rental

CDW Benet Administrator has received all documentation needed

to fully substantiate your claim. After the Benet Administrator

has paid your claim, all of your rights and remedies against

any party regarding the theft or damage to the vehicle will be

transferred to the Benet Administrator to the extent of the cost

of payment made to you. You must give the Benet Administrator

all assistance as may reasonably be required to secure these rights

and remedies.

†

Not applicable to residents of certain states.

Additional Provisions for Auto Rental CDW: You must make

every eort that would be made by a reasonable and prudent

person to protect the Rental Vehicle from damage or theft. This

provision will not be applied unreasonably 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—you will not be covered for the claim and your benets

may be canceled. You and any other Authorized Person permitted

to operate the vehicle under the terms of your rental agreement

agree that all 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 the Provider

until sixty (60) days after the Provider receives 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 coverage. Further, no legal action may be brought against the

Provider unless all of the terms in this Guide to Benets have been

complied with fully.

This benet is provided to you as an eligible Cardholder at no

additional cost. The terms and conditions contained in this

Guide to Benets may be modied by subsequent endorsements.

Modications to these terms and conditions may be provided via

additional Guide to Benets mailings, statement inserts, statement

messages, or electronic notications. The benets described in this

Guide will not apply to Cardholders whose accounts have been

suspended or canceled.

Termination dates may vary by nancial institutions. Chase can

cancel or non-renew the benet for Cardholders, and if they do,

they will notify you at least thirty (30) days in advance.

This information is a description of the benet provided to you as

an eligible Cardholder. Indemnity Insurance Company of North

America (“Provider”) is the underwriter of this insurance policy and

is solely responsible for its administration and claims. The Benet

Administrator provides services on behalf of the Provider.

This benet does not apply to the extent that trade or economic

sanctions or other laws or regulations prohibit the provision of

insurance, including, but not limited to, the payment of claims.

V-ARCDW (8-18) FORM # CCDW010712 biz

8 Questions? Call 1-888-320-9956

Baggage Delay

Benet Information

What is the Baggage Delay benet?

• The Baggage Delay benet is an insurance plan that provides

reimbursement of the emergency purchase of essential items

if an Insured Person’s baggage is delayed or misdirected by

a Common Carrier for more than six (6) hours while on a

Common Carrier Covered Trip.

• The plan is automatically provided to you as a Chase Cardholder

and your Immediate Family Members at no additional cost

to you.

What is a Common Carrier Covered Trip?

• It’s travel on a Common Carrier (see denitions section) when

some portion of the fare for transportation has been charged

to your Account issued by Chase Bank USA, N.A. and/or

its aliates.

• It’s also travel on a Common Carrier when free ights have been

awarded from frequent ier or Rewards programs, provided

that all of the miles or Rewards points were accumulated from

a Rewards program sponsored by Chase Bank USA, N.A. and/or

its aliates.

The Baggage Delay benet amount is in excess of any travel

insurance purchased by the Insured Person for the same Covered

Trip or indemnity or reimbursement from the airline, cruise line,

railroad, station authority, or occupancy provider available to you

or other Insured Persons.

Coverage Information

Who is covered?

The Cardholders of the Chase Business Card account, as well

as their Immediate Family Members are covered. Person(s)

employed by the company for which the Chase Business card

account is issued are also covered. Immediate Family Member

means an individual with any of the following relationships to the

Cardholder: Spouse, and parents thereof; sons and daughters,

including adopted children and stepchildren, and spouses thereof;

parents, including stepparents, and spouses thereof; brothers and

sisters, and spouses thereof; grandparents and grandchildren, and

spouses thereof; aunts or uncles, and spouses thereof; nieces or

nephews, and spouses thereof; and Domestic Partner and parents

thereof, including domestic partners of any individual of this

denition. Immediate Family Member also includes legal guardians

or wards.

If I charge multiple Common Carrier fares on my

Account for myself and other Insured Persons, does

this benet apply separately to each person?

Yes, each Insured Person is eligible to receive the benet.

Are other Insured Persons covered if I am not

traveling with them?

Yes. The Company will pay the corresponding benet regardless of

whether you are traveling with them, as long as you have charged

some portion of a Common Carrier fare for the Insured Person

8 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 9

(minus any redeemable frequent yer miles, Rewards points,

coupons or certicates, or other types of redeemable Rewards)

to your Account (subject to the terms and conditions of this

description of coverage).

What is covered?

The benet covers up to one hundred ($100.00) dollars per

day for a maximum of ve (5) days and is limited to emergency

purchases of essential items needed as a result of the delay

including but not limited to: clothing, toiletries, and charging cables

for cellular telephones, however, only one (1) cellular telephone

charging cable shall be covered per Baggage Delay claim.

What is not covered?

Essential items not covered by Baggage Delay include, but are not

limited to:

1) contact lenses, eyeglasses or hearing aids

2) articial teeth, dental bridges or prosthetic devices

3) tickets, documents, money, securities, checks, travelers checks

and valuable papers

4) business samples

5) jewelry and watches

6) cameras, video recorders, cellular telephones and other

electronic equipment and their accessories other than charging

cables for cellular telephones

In addition, this insurance does not apply to:

• any loss of property caused by or resulting from, directly or

indirectly, the commission or attempted commission of any

illegal act by you or intentional act including but not limited to

any felony

• any loss of property occurring when 1) the United States

of America has imposed any trade or economic sanctions

prohibiting insurance of any loss of property; 2) there is any

other legal prohibition against providing insurance for any loss

of property; or 3) in the event of a declared or undeclared War

When does my coverage become eective?

Your insurance becomes eective on the latest of the following:

• the date on which you rst meet the eligibility criteria as an

Insured Person

• the date for which the premium for your insurance is paid by

Chase Bank USA, N.A. and/or its aliates

When does my coverage terminate?

Your insurance automatically terminates on the earliest of

the following:

• the termination date of the policy

• the expiration of the period for which the required premium has

been paid for you

• the date on which you no longer meet the eligibility criteria as an

Insured Person

• the date on which the Company pays out 100% of the

benet amount

10 Questions? Call 1-888-320-9956

Do I need to notify anyone that I’ve booked a

Common Carrier fare to obtain this insurance?

No, it is not necessary for you to notify Chase Bank USA, N.A.

and/or its aliates, the administrator, or the Company when you

purchase your tickets.

Claim Information

Specic questions and request for claims forms may be submitted

to the Plan Administrator at the following address:

Plan Administrator

Card Benet Services

P.O. Box 72034

Richmond, VA 23255

What types of documentation may be requested

when a claim is submitted?

Some of the documentation the Company may request includes,

but is not limited to:

• a completed claim form

• a copy of the travel itinerary

• written conrmation of the Baggage Delay from the

Common Carrier

• a copy of the credit card statement that shows the charge for

the Common Carrier fare

• a copy of the settlement or denial from the Common Carrier

• copies of receipts for the purchase of essential items over

twenty-ve ($25.00) dollars

For faster ling, or to learn more about the Baggage Delay

benet, visit www.eclaimsline.com

How long do I have to le a claim after the baggage

delay occurs?

You must provide a written claim notice within twenty (20)

days after the occurrence or commencement of any loss

covered by this policy or as soon as reasonably possible. The

notice must include enough information to identify you, and

Chase Bank USA, N.A. and/or its aliates. Please note that

failure to provide a claim notice within twenty (20) days will not

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

soon as is reasonably possible.

What happens after I send a claim notice to you?

• Within fteen (15) days of the Company’s receipt of your claim

notice, the Company will send you or your designee forms to

complete that provides the Company with Proof of Loss.

• If you or your designee does not receive the forms, please send

the Company a written description of the loss. This written

description should include information detailing the occurrence,

type, and extent of the loss for which the claim is made.

How long do I have to provide you with Proof of Loss?

You need to send the Company complete Proof of Loss within

ninety (90) days from the date of loss or as soon as reasonably

possible. Please note that failure to provide Proof of Loss within

these time frames will not invalidate or reduce any otherwise valid

claim if notice is given as soon as is reasonably possible, and in no

10 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 11

event later than one (1) year after the ninety (90) day deadline

to submit Proof of Loss, except in cases where the claimant lacks

legal capacity.

How soon after I provide Proof of Loss will I receive

payment for my claim?

You will receive payment for your claim for all losses covered

under the plan within sixty (60) days after the Company receives

the complete Proof of Loss if you, Chase Bank USA, N.A. and/or its

aliates and beneciary, where applicable, have complied with all

the terms of the policy.

Will the benets be payable to me?

Yes, benets for Baggage Delay are payable to you.

Denitions

Account – credit card Accounts.

Baggage – suitcases and the containers specically designated

for carrying personal property, and the personal property

contained therein.

Baggage Delay – a delay or misdirection of an Insured Person’s

Baggage by a Common Carrier for more than six (6) hours from

the time he or she arrives at the destination as shown on the

Insured Person’s ticket.

Cardholder – an individual to whom a credit card has been issued

by Chase Bank USA, N.A. and/or its aliates.

Common Carrier – any motorized land, water or air Conveyance,

operated by an organization other than Chase Bank USA, N.A.

and/or its aliates, organized and licensed for the transportation

of passengers for hire and operated by an employee or an

individual under contract.

Common Carrier Covered Trip – travel on a Common Carrier

when some portion of the fare for such transportation has been

charged to Your Account issued by Chase Bank USA, N.A. and/or

its aliates. Common Carrier Covered Trip also means travel

on a Common Carrier when free ights have been awarded

from frequent ier or Rewards programs provided that all of the

miles or Rewards were accumulated from a Rewards program

sponsored by Chase Bank USA, N.A. and/or its aliates.

Company – Federal Insurance Company, also referred to as We,

Us, or Our.

Credit Card – a payment medium that takes the form of a

Credit Card, credit plate, charge plate, courtesy card or other

identication card or device issued to you. You may use the Credit

Card to purchase, hire, rent or lease property or services.

Dependent – your Dependent child, Spouse or Domestic Partner.

Dependent Child – your unmarried child, dependent on you for

maintenance and support, under the age of 24, under the age

of 25 if enrolled as a full-time student at an Institution of Higher

Learning or classied as an Incapacitated Dependent Child.

Domestic Partner – a person designated by you who is registered

as a Domestic Partner or legal equivalent under the laws of the

governing jurisdiction or who is at least 18 years of age and

competent to enter into a contract; is not related to you by blood;

has exclusively lived with you for at least 12 consecutive months

prior to the date of enrollment; is not legally married or separated

and as of the date of enrollment has with you at least 2 of the

12 Questions? Call 1-888-320-9956

following nancial arrangements: a joint mortgage or lease, a joint

bank Account, joint title to or ownership of a motor vehicle or

status as a joint lessee on a motor vehicle lease or a joint Credit

Card Account with a nancial institution. Neither you nor your

Domestic Partner can be married to, nor in a civil union with,

anyone else.

Incapacitated Dependent Child – a child who, as a result of being

mentally or physically challenged, is permanently incapable of

self-support and permanently dependent on you for support and

maintenance. The incapacity must have occurred while the child

was either under the age of 24 or under the age of twenty-ve (25)

if the child had been enrolled as a full-time student at an

Institution of Higher Learning.

Institution of Higher Learning – any accredited public or private

college, university, professional trade or vocational school beyond

the twelfth (12th) grade.

Insured Person – the Primary Insured Person, their Immediate

Family Members, and person(s) employed by the company for

which the Chase Business card account is issued.

Primary Insured Person – the Cardholder.

Proof of Loss – written evidence acceptable to Us that an

Accident, Accidental Bodily Injury or loss has occurred.

Rewards – means points, miles, cash Rewards, or any other type

of redeemable Rewards, provided that all Rewards have been

accumulated through use of a Chase Bank USA, N.A. and/or its

aliates sponsored Rewards program.

Spouse – Your husband or wife who is recognized as such by the

laws of the jurisdiction in which you reside.

War – hostilities following a formal declaration of war by a

governmental authority; in the absence of a formal declaration of

war by a governmental authority, armed, open and continuous

hostilities between two countries or armed, open and continuous

hostilities between two factions, each in control of territory or

claiming jurisdiction over the geographic area of hostility.

General Provisions: The terms We, Us and Our below refer to

Federal Insurance Company. The following provisions apply to the

Insured Persons:

Legal Actions: No legal action may be brought before sixty (60)

days after written Proof of Loss has been furnished as required

by the policy. No such action may be brought after three (3) years

from the time written Proof of Loss is required to be furnished.

Physical Examination and Autopsy: While a claim is pending We

have the right, at Our expense to: 1) have the person who has

a loss examined by a Physician when and as often as We feel is

necessary; and 2) make an autopsy in case of death where it is not

forbidden by law.

Examination under Oath: We have a right to examine under oath,

as often as We may reasonably require, the Insured Person or

the beneciary. We may also require the Insured Person or the

beneciary to provide a signed description of the circumstances

surrounding the loss and their interest in the loss. The Insured

Person and the beneciary will also produce all records and

documents requested by Us and will permit Us to make copies

of such records or documents. In the event of a claim under this

policy, the Insured Person or the beneciary, if applicable, must

fully cooperate with Us in Our handling of the claim, including,

but not limited to, the timely submission of all medical and other

reports, and full cooperation with all physical examinations and

12 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 13

autopsies that We may require. If We are sued in connection with a

claim under this policy, then the Insured Person or the beneciary

must fully cooperate with Us in the handling of such suit. Chase

Bank USA, N.A. and/or its aliates, the Insured Person or the

beneciary must not, except at their own expense, voluntarily

make any payment or assume any obligation in connection with

any suit without Our prior written consent.

Concealment or Fraud: Insurance under the policy is void if any

Insured Person has intentionally concealed or misrepresented

any material fact relating to this policy before or after a loss or any

Insured Person les a false report of a loss.

Insurance is underwritten by Federal Insurance Company, a

member insurer of the Chubb Group of Insurance Companies.

This literature is descriptive only. Actual coverage is subject to the

language of the policies as issued. Exclusions Apply. 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 a summary of the principal

provisions of the insurance while in eect.

Policy # 9907-28-44

Federal Insurance Company, a member insurer of the

Chubb Group of Insurance Companies, is the underwriter of this

insurance policy and is solely responsible for its administration

and claims.

Cellular Telephone Protection

Benet Information

What is Cell Phone Protection?

Subject to the terms and conditions provided in this Guide to

Benets, Cellular Telephone Protection will reimburse the eligible

Cardholder (the “Cardholder”, also referred to as “You” or “Your”)

for damage to, theft of, or involuntary and accidental parting of

Eligible Cellular Wireless Telephones. Eligible Cellular Wireless

Telephones are the lines listed on Your most recent cellular

provider’s monthly billing statement for the billing cycle prior to

when the incident occurred. Cellular Telephone Protection is

subject to a one hundred ($100.00) dollar deductible per claim

and a maximum of three (3) claims per twelve (12) month

period. The maximum benet limit is six hundred ($600.00)

dollars per claim and eighteen hundred ($1,800.00) dollars

per twelve (12) month period.

Coverage Information

Who is eligible for this protection?

To be eligible for Cellular Telephone Protection, You must be a

valid Cardholder of an eligible U.S.-issued Chase card and charge

Your monthly cellular wireless telephone bills to Your eligible

card. Following the program eective date set forth above, Your

cellular telephone protection begins the day following your cellular

wireless telephone bill payment and remains in eect until the

last day of the calendar month following the payment. Coverage is

suspended if no payment is made on your eligible card.

What type of protection is this?

Cellular telephone protection is supplemental to, and excess

of, valid and collectible insurance or indemnity (including,

14 Questions? Call 1-888-320-9956

but not limited to, cellular wireless telephone insurance

programs, homeowner’s, renter’s, automobile, or employer’s

insurance policies).

After all insurance or indemnity has been exhausted, cellular

telephone protection will cover the damage to, theft of, or

involuntary and accidental parting with the Cellular Wireless

Telephone up to six hundred ($600.00) dollars per claim, subject

to the terms, conditions, exclusions, and limits of liability of this

benet as well as the one hundred ($100.00) dollar deductible.

The maximum limit of liability is six hundred ($600.00) dollars per

claim occurrence, and eighteen hundred ($1,800.00) dollars

per twelve (12) month period. Involuntary and accidental parting

with property means the unintended separation from an item

of personal property in which the item’s location is known but

recovery is impractical to complete.

You will receive no more than the purchase price less your

one hundred ($100.00) dollar deductible as recorded on

Your submitted receipt.

What is not covered?

• Cellular wireless telephone accessories other than standard

battery and/or standard antenna provided by the manufacturer.

• Cellular wireless telephone purchased for resale.

• Cellular wireless telephones that are lost or “mysteriously

disappear.” “Mysterious disappearance” means the vanishing of

an item in an unexplained manner where there is absence of

evidence of a wrongful act by a person or persons.

• Cellular wireless telephone under the care and control of a

common carrier (including, but not limited to, U.S. Postal Service,

airplanes, or delivery service).

• Cellular wireless telephone stolen from baggage unless

hand-carried and under Your personal supervision, or under the

supervision of Your traveling companion who is previously known

to You.

•

Cellular wireless telephone which has been rented, borrowed or

cellular wireless telephones that are received as part of a pre-paid

wireless service plan or “pay as you go” type service plans.

• Cosmetic damage to the cellular wireless telephone or damage

that does not impact the cellular wireless telephone’s capabilities

and functionalities of the phone.

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

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

rebellion, or insurrection), conscation by the authorities, risks

of contraband, illegal activities, normal wear and tear, ood,

earthquake, radioactive contamination, or damage from inherent

product defects.

• Damage or theft resulting from misdelivery or voluntary parting

with the cellular wireless telephone.

• Replacement cellular wireless telephone not purchased from a

cellular service provider’s retail or Internet store, (for example:

Verizon Wireless, Sprint Wireless, etc.) or from an authorized

cellular phone retailer.

• Taxes, delivery and transportation charges, and any fees

associated with the cellular service provider.

* Note: Electronic issues, such as inability to charge, mechanical or

battery failure, where there is no evidence of physical damage,

are not covered under this program.

14 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 15

Claim Information

Do I need to keep copies of receipts or any

other records?

Yes. If You want to le a claim, You will need copies of Your card

statement reecting monthly cellular wireless telephone bill

payments during the time of the damage, theft or involuntary and

accidental parting and Your store receipt for purchase of Your

replacement cellular wireless telephone if applicable.

How do I le a claim?

Call the Benet Administrator within sixty (60) days of damage,

theft or involuntary and accidental parting. Please note: If You do

not give such notice within sixty (60) days after the incident, Your

claim may be denied. The Benet Administrator representative

will ask You for some preliminary claim information and send You

the appropriate claim form. This claim form must be completed,

signed, and returned with all the requested documentation within

ninety (90) days from the date of the incident, or Your claim may

be denied.

What do I need to submit with my claim?

• Your completed and signed claim form.

• Copies of Your card statement reecting the entire monthly

cellular wireless telephone payment(s) preceding the date of

damage, theft or involuntary and accidental parting.

• A copy of Your cellular wireless service provider billing statement

that corresponds with the above card statement.

• A copy of Your cellular wireless telephone provider’s wireless

device page or other sucient proof, as determined in the

Benet Administrator’s sole discretion, of the cellular wireless

telephone model currently linked to Your cellular wireless

telephone account.

• If the claim is due to theft or criminal action, a copy of the police

report or incident report led within 48 hours of the occurrence.

• If the claim is due to damage, a copy of an insurance claim or

other report as the Benet Administrator, in its sole discretion,

deems necessary to determine eligibility for coverage. In addition

the Benet Administrator may in its sole discretion require

(a) an itemized estimate of repair from an authorized cellular

wireless telephone repair facility or (b) the Cardholder to submit

the cellular wireless telephone to the Benet Administrator to

evaluate the damage or (c) an itemized store receipt for the

replacement cellular wireless telephone showing the purchase

was made at an authorized cellular service provider’s retail or

Internet store.

• Documentation (if available) of any other settlement of the claim.

• Any other documentation deemed necessary, in the Benet

Administrator’s sole discretion, to substantiate Your claim. All

claims must be fully substantiated as to the time, place, cause,

and purchase price of the cellular wireless telephone.

If the cell phone is damaged, do not discard it until the claim

has been fully reviewed and you are advised by the Benet

Administrator that you can discard the device.

How will I be reimbursed if my claim is approved?

Depending on the nature and circumstances of the incident,

the Benet Administrator, at its sole discretion, may choose to

repair or replace the cellular wireless telephone or reimburse the

16 Questions? Call 1-888-320-9956

Cardholder for the lesser of a) Six hundred ($600.00) dollars

excess of the one hundred ($100.00) dollar deductible; or

b) the current suggested retail price of a replacement cellular

wireless telephone of like kind and quality, excluding taxes,

delivery and transportation charges, and any fees associated

with the cellular wireless telephone service provider, less the

one hundred ($100.00) dollar deductible. Please note: Cellular

Telephone Protection is subject to a maximum of three (3)

claim occurrences per twelve (12) month period. Under

normal circumstances, reimbursement will take place within ten

(10) business days of receipt and approval of claim form and all

required documents.

Additional Provisions for Cellular Telephone Protection: This

protection provides benets only to You the eligible Cardholder

and eligible Cellular Wireless Telephone lines listed on Your most

recent cellular provider’s monthly billing statement for the billing

cycle prior to when the incident occurred. You shall use due

diligence and do all things reasonable to avoid or diminish any loss

or damage to the cellular wireless telephone from damage, theft

or involuntary and accidental parting. This provision will not be

applied unreasonably 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 the Cellular Telephone

Protection benet 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 by

the Cardholder.

After the Benet Administrator has paid your claim, all your rights

and remedies against any party in respect of this claim will be

transferred to the Benet Administrator to the extent of payment

made to you. You must give all assistance as may be reasonably

necessary to secure all rights and remedies.

This benet is provided to eligible Cardholders at no additional

cost. The terms and conditions contained in this Guide to Benets

may be modied by subsequent endorsements. Modications to

the terms and conditions may be provided via additional Guide

to Benets mailings, statement inserts, or statement messages,

or email or other secure portal messaging vehicles. The Cellular

Telephone Protection described in this Guide to Benets will

not apply to Cardholders whose applicable card account(s) are

suspended, canceled, closed, delinquent, or otherwise in default.

Termination dates may vary by nancial institutions. Chase can

cancel or non-renew the benet for Cardholders, and if they do,

they will notify you at least thirty (30) days in advance.

This information is a description of the benet provided to you as

an eligible Cardholder. Indemnity Insurance Company of North

America (“Provider”) is the underwriter of this insurance policy and

is solely responsible for its administration and claims. The Benet

Administrator provides services on behalf of the Provider.

This benet does not apply to the extent that trade or economic

sanctions or other laws or regulations prohibit the provision of

insurance, including, but not limited to, the payment of claims.

CELLPH (08-18) FORM# CELLPHONEB041618

16 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 17

Extended Warranty Protection

Benet Information

What is Extended Warranty Protection?

Extended Warranty Protection extends the time period on eligible

original manufacturer’s written U.S. repair warranties by one (1)

additional year on eligible warranties of three (3) years or less,

up to a maximum of ten thousand ($10,000.00) dollars per claim,

and a fty thousand ($50,000.00) dollars maximum per Account.

For example, a manufacturer’s warranty of three (3) months

would be provided with an additional twelve (12) months of

coverage, for a combined total of fteen (15) months of coverage.

If the manufacturer’s warranty is for three years (3), it would only

be extended one (1) additional year.

To be eligible for coverage, you must charge some portion of the

item’s purchase price to your Account or use reward points earned

on your Account toward the purchase. This benet is secondary to

any applicable extended warranty you have purchased or received.

Extended Warranty Protection’s registration service

Although registration is not required for Extended Warranty

Protection benets, you are encouraged to consider registration

to help you take full advantage of your warranties. When your

warranties are registered, you have access to key information

about your coverage with a single toll-free call to the Benet

Administrator. And if you send copies of your sales receipts and

warranty information to the Benet Administrator, it will be kept

on le. Call the Benet Administrator for information regarding the

security of registering your purchases.

Coverage Information

Who is eligible for coverage?

You, a person to whom a United States (U.S.) credit card has been

issued (“Cardholder”), and to whomever receives gifts purchased

with your Chase credit card account (“Account”).

What is covered?

• Eligible items with a valid original manufacturer-written U.S.

repair warranty of three (3) years or less

• Gifts purchased with your Account and meet the terms and

conditions of the benet

• Items purchased outside the United States are covered as

long as they are purchased with your Account and the eligible

item has either a valid original manufacturer-written U.S. repair

warranty of three (3) years or less, a store-purchased dealer

warranty, or an assembler warranty

What items are not covered?

• Boats, automobiles, aircraft, and any other motorized vehicles

and their motors, equipment, or accessories, including trailers

and other items that can be towed by or attached to any

motorized vehicle

• Any costs other than those specically covered under the terms

of the original manufacturer- written U.S. repair warranty, as

supplied by the original manufacturer, or other eligible warranty

• Items purchased for resale

• Rented or leased items

18 Questions? Call 1-888-320-9956

• Computer software

• Medical equipment

• Used or pre-owned items (Refurbished items will be covered as

long as it has a warranty with it and would not be considered

used or pre-owned)

Claim information

How do I le a claim?

• Call the Benet Administrator as soon as possible upon learning

of a product failure. Please note that if you do not notify the

Benet Administrator within ninety (90) days after the product

failure, your claim may be denied.

• The Benet Administrator will ask you for some preliminary

claim information, direct you to the appropriate repair facility,

and send you the appropriate claim form.

• To le a claim, you need to provide copies of your card receipt,

store receipt, the original manufacturer-written U.S. warranty,

and any other applicable warranty unless the purchase is

registered. This claim form must be completed, signed, and

returned with all the requested documentation within

one hundred and twenty (120) days of the product failure.

Unless otherwise noted, the date of loss shall be the date you

rst notied the Benet Administrator.

Gift recipients of eligible items are also covered by the claims

process, if desired. However, a gift recipient must provide all the

documents necessary to fully substantiate the claim.

What documents do I need to submit with my claim?

• Your completed and signed claim form

• A copy of your monthly billing statement (showing the last 4

digits of the Account number) demonstrating that the purchase

was made on your eligible Account

• A copy of the itemized sales receipt or invoice

• A copy of the original manufacturer - written U.S. warranty and

any other applicable warranty

• A description and serial number of the item, and any other

documentation deemed necessary to substantiate your claim.

This includes bills and, if necessary, a copy of the maintenance

record and receipts

• If more than one method of payment was used, please provide

documentation as to additional currency, voucher, points or any

other payment method utilized

• The original repair order

• Any other documentation deemed necessary by the Benet

Administrator to substantiate the claim

For faster ling, or to learn more about Extended Warranty

Protection, visit www.cardbenetservices.com

Please note that all claims must be fully substantiated.

How will I be reimbursed?

• Once your claim has been veried, the item will be repaired

or replaced at the Benet Administrator’s discretion.

The replacement or repair will be for no more than the

original purchase price of the covered item less shipping and

handling fees, up to a maximum of ten thousand ($10,000.00)

dollars, as recorded on your card receipt, and fty thousand

($50,000.00) dollars maximum per Account.

18 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 19

• Only valid and reasonable repairs made at the

manufacturer’s authorized repair facility are covered. In

either case, the Benet Administrator’s payment, replacement,

or repair made in good faith will fulll the obligation under

the benet.

• You will only be reimbursed up to the amount charged to your

Account or the program limit, whichever is less. Additionally,

any purchases made using rewards points associated with

the Account are eligible for this benet and you will only be

reimbursed up to the dollar amount to replace or repair the

item or the program limit, whichever is less.

Under normal circumstances, reimbursement will take place

within ve (5) business days of receipt and approval of all

required documents.

Do I have to le with my insurance company?

No. However, if you have purchased or received any other

applicable extended warranty, this benet is secondary to

that coverage.

Additional Provisions for Extended Warranty Protection: This

protection provides benets only to you, the eligible Cardholder,

and to whoever receives the eligible gifts you purchase with

your eligible card.

You shall use due diligence and do all things reasonable to

avoid or diminish any loss or damage to property protected by

this benet. 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 benets 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 by

the Cardholder.

After the Benet Administrator has paid your claim, all your

rights and remedies against any party in respect of this claim will

be transferred to the Benet Administrator to the extent of the

payment made to you. You must give the Benet Administrator

all assistance as may reasonably be required to secure all rights

and remedies.

No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives proof of loss.

No legal action against the Provider may be brought more than

two (2) years after the time for giving proof of loss. Further, no

legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

This benet is provided to eligible Cardholders at no additional

cost. The terms and conditions contained in this Guide to Benets

may be modied by subsequent endorsements. Modications to

the terms and conditions may be provided via additional Guide

to Benets mailings, statement inserts, statement messages or

electronic notications. The benet described in this Guide to

Benets will not apply to Cardholders whose Accounts have been

suspended or canceled.

Termination dates may vary by nancial institutions. Chase can

cancel or non-renew the benet for Cardholders, and if they do,

they will notify you at least thirty (30) days in advance.

20 Questions? Call 1-888-320-9956

This information is a description of the benet provided to you as

an eligible Cardholder. Indemnity Insurance Company of North

America (“Provider”) is the underwriter of this insurance policy and

is solely responsible for its administration and claims. The Benet

Administrator provides services on behalf of the Provider.

This benet does not apply to the extent that trade or economic

sanctions or other laws or regulations prohibit the provision of

insurance, including, but not limited to, the payment of claims.

V-PS-EP (08-18) FORM # CEWP010712 acct biz

Lost Luggage

Benet Information

What is the Lost Luggage benet?

• The benet reimburses Insured Persons for costs incurred to

repair or replace Checked Baggage and/or Carry-On Baggage

and personal property contained within due to physical loss or

damage, if the loss (including theft) or damage occurs during a

Common Carrier Covered Trip.

• The Company’s liability will be the actual cash value

(replacement cost less depreciation) of the articles at the time

of loss up to the maximum benet amount. The Lost Luggage

benet is in excess of any travel insurance purchased by the

Insured Person for the same Covered Trip or indemnity or

reimbursements by the airline, cruise line, railroad, station

authority, occupancy provider available to you.

• The plan is automatically provided to you as a Cardholder at no

cost to you. Chase Bank USA, N.A. and/or its aliates pays the

full cost of the insurance.

• To be eligible for this benet, you must report the loss or

damage to the Common Carrier immediately as soon as

you exit the Carrier. You will need to provide proof that you

submitted a report to the Common Carrier, so be sure to

keep a copy of the report for your records.

What is a Common Carrier Covered Trip?

• It’s travel on a Common Carrier (see denitions section) when

some portion of the fare for transportation has been charged

to your Account issued by Chase Bank USA, N.A. and/or

its aliates.

• It’s also travel on a Common Carrier when free ights have been

awarded from frequent ier or Rewards programs, provided

that all of the miles or Rewards points were accumulated from

a Rewards program sponsored by Chase Bank USA, N.A. and/or

its aliates.

Coverage Information

Who is covered?

The Cardholders of the Chase Business Card account, as well

as their Immediate Family Members are covered. Person(s)

employed by the company for which the Chase Business card

account is issued are also covered. Immediate Family Member

means an individual with any of the following relationships to the

Cardholder: Spouse, and parents thereof; sons and daughters,

including adopted children and stepchildren, and spouses thereof;

parents, including stepparents, and spouses thereof; brothers and

sisters, and spouses thereof; grandparents and grandchildren, and

20 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 21

spouses thereof; aunts or uncles, and spouses thereof; nieces or

nephews, and spouses thereof; and Domestic Partner and parents

thereof, including domestic partners of any individual of this

denition. Immediate Family Member also includes legal guardians

or wards.

If I charge multiple Common Carrier fares on my

Account for myself and other Insured Persons, does

this benet apply separately to each person?

Yes, each Insured Person is eligible to receive the benet.

Are Insured Persons covered if I am not traveling

with them?

Yes. The Company will pay the corresponding benet regardless of

whether you are traveling with them, as long as you have charged

some portion of a Common Carrier fare for the Insured Persons

(minus any redeemable frequent yer miles, points, coupons

or certicates, or other types of redeemable Rewards) to your

Account (subject to the terms and conditions of this description

of coverage).

What is covered?

The benet covers physical loss or damage of Checked Baggage

and/or Carry-On Baggage and personal property in the baggage

belonging to you or another Insured Person. The benet

amounts are: up to three thousand ($3,000.00) dollars for each

Insured Person for each Common Carrier Covered Trip; up to

ve hundred ($500.00) dollars for each Insured Person for each

Common Carrier Covered Trip for jewelry, watches, cameras, video

recorders, and other electronic equipment.

The benet amounts for jewelry, watches, cameras, video

recorders, and other electronic equipment are part of and not

in addition to the maximum benet amount for Lost Luggage.

Payment of these benet amounts reduces and does not increase

the maximum benet amount for Lost Luggage.

What is not covered?

• loss of documents or valuable papers, money, securities, tickets,

checks, traveler’s checks or furs.

• any loss of property caused by or resulting from, directly or

indirectly, the Insured Person committing or attempting to

commit any illegal act or intentional act, including but not limited

to any felony.

• any loss of property occurring when 1) the United States

of America has imposed any trade or economic sanctions

prohibiting insurance of any loss of property; 2) there is any

other legal prohibition against providing insurance for any loss

of property; or 3) in the event of a declared or undeclared War.

When does my coverage become eective?

Your insurance becomes eective on the latest of the following:

• the date on which you rst meet the eligibility criteria as an

Insured Person

• the date for which the premium for your insurance is paid by

Chase Bank USA, N.A. and/or its aliates

Insured Persons are also covered while the insurance is in eect

for the benets described in this description of coverage.

22 Questions? Call 1-888-320-9956

When does my coverage terminate?

Your insurance automatically terminates on the earliest of

the following:

• the termination date of the policy

• the expiration of the period for which required premium has

been paid for you

• the date on which you no longer meet the eligibility criteria as an

Insured Person

• the date on which the Company pays out 100% of the

benet amount

Do I need to notify anyone that I’ve booked a

Common Carrier fare to obtain this insurance?

No, it is not necessary for you to notify Chase Bank USA, N.A.

and/or its aliates, the administrator, or the Company when you

purchase your tickets.

Claim Information

Specic questions and request for claims forms may be submitted

to the Plan Administrator at the following address:

Plan Administrator

Card Benet Services

P.O. Box 72034

Richmond, VA 23255

What types of documentation may be requested

when a claim is submitted?

Some of the documentation the Company may request includes,

but is not limited to:

• a completed claim form

• a copy of the travel itinerary

• written conrmation that the claim was led with the

Common Carrier

• a copy of the credit card statement that shows the charge for

the Common Carrier fare

• a copy of the settlement or denial from the Common Carrier

• copies of receipts for the purchase of replacement items over

twenty-ve ($25.00) dollars

• copies of original receipts

For faster ling, or to learn more about the Lost Luggage

benet, visit www.eclaimsline.com

How long do I have to le a claim after the damage or

loss occurs?

You must provide a written claim notice within twenty (20) days

after the occurrence or commencement of any loss or damage

covered by this policy or as soon as reasonably possible. The

notice must include enough information to identify you, and

Chase Bank USA, N.A. and/or its aliates. Please note that

failure to provide a claim notice within twenty (20) days will not

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

soon as is reasonably possible.

22 Questions? Call 1-888-320-9956 Outside of the U.S., call collect at 1-804-673-1691 23

What happens after I send a claim notice to you?

• Within fteen (15) days of the Company’s receipt of your claim

notice, the Company will send you or your designee forms to

complete that provides the Company with Proof of Loss.

• If you or your designee does not receive the forms, please send

the Company a written description of the loss. This written

description should include information detailing the occurrence,

type, and extent of the loss for which the claim is made.

How long do I have to provide you with Proof of Loss?

You need to send the Company complete Proof of Loss within

ninety (90) days from the date of loss or as soon as reasonably

possible. Please note that failure to provide Proof of Loss within

these time frames will not invalidate or reduce any otherwise valid

claim if notice is given as soon as is reasonably possible, and in no

event later than one (1) year after the ninety (90) day deadline

to submit Proof of Loss, except in cases where the claimant lacks

legal capacity

How soon after I provide Proof of Loss will I receive

payment for my claim?

You will receive payment for your claim for all losses covered

under the plan within sixty (60) days after the Company receives

the complete Proof of Loss if you, Chase Bank USA, N.A. and/or its

aliates and beneciary, where applicable, have complied with all

the terms of the policy.

Will the benets be payable to me?

Yes, the benets for lost luggage are payable to you.

Denitions

Account – credit card Accounts.

Cardholder – an individual to whom a credit card has been issued

by Chase Bank USA, N.A. and/or its aliates.

Carry-On Baggage – suitcases or other containers specically

designated for carrying personal property, which are carried on

board a Common Carrier by an Insured Person.

Checked Baggage – suitcases or other containers specically

designated for carrying personal property, for which a claim check

has been issued to an Insured Person by a Common Carrier.

Common Carrier – any motorized land, water or air Conveyance,

operated by an organization other than Chase Bank USA, N.A.

and/or its aliates, organized and licensed for the transportation

of passengers for hire and operated by an employee or an

individual under contract.

Company – Federal Insurance Company, also referred to as We,

Us, or Our.

Credit Card – a payment medium that takes the form of a

Credit Card, credit plate, charge plate, courtesy card or other

identication card or device issued to you. You may use the Credit

Card to purchase, hire, rent or lease property or services.

Dependent – your Dependent child, Spouse or Domestic Partner.

Dependent Child – your unmarried child, dependent on you for

maintenance and support, under the age of 24, under the age

of 25 if enrolled as a full-time student at an Institution of Higher

Learning or classied as an Incapacitated Dependent Child.

24 Questions? Call 1-888-320-9956