Security - Travel Advantage

AUTO RENTAL INSURANCE

Description
Unlike other programs that require you to first submit an insurance claim to your personal automobile insurance carrier, Advantage provides a first line of defense. This insurance offers Primary coverage in the event of a covered loss. It can also help keep your insurance rates from rising due to a claim. You may be able to decline the extra insurance offered by rental car companies.

Details
Use your covered credit card to pay for your auto rental anywhere in the world.

Disclaimers / Exclusions
As a Cardholder* of this financial institution, you are automatically eligible to receive reimbursement for amounts paid for repair of Damage or Loss** to a Rented Automobile***, less any amount charged for appraising such damage, when the loss occurs worldwide, provided the rental fee has been charged to your credit card account; and provided you have rejected, at the time of rental, any waiver of liability for damage available from the rental company.

* Cardholder means the Credit Cardholder whose name appears on the credit card, his/her spouse and unmarried dependent children under age 19 (age 25 if a full-time student at an accredited college or university).

** Damage or Loss means the direct and accidental damage or loss to a Rented Automobile.

*** Rented Automobile means a four-wheeled private passenger type motor vehicle designed for travel on public roads and rented from a licensed rental company located worldwide. Recreational vehicles are excluded.

Eligibility
Renters Liability for Damage or Loss to a Rental Car reimbursement is provided to Cardholders of the financial institution automatically when your Rented Automobile rental fee is charged to your Credit Card Account. It is not necessary for you to notify your credit card provider, the insurance company, or National Plan Administrator at the time the rental fee is charged to your Credit Card Account.

Cost
Coverage is provided at no additional cost to eligible Cardholders of the participating financial institution under master policy 6404-53-16 issued to Financial Institution Benefit Association Trust (the Policyholder) by Federal Insurance Company (the Company). The annual rate per cardholder is $.256.

Benefits
The Company's liability shall be for a maximum reimbursement of $25,000 per loss. In no event shall the Company be liable beyond the amounts actually paid by the Cardholder. The maximum length of coverage for daily, weekly and/or monthly rentals, with extensions, shall be thirty-one (31) days.

Exclusions
Coverage does not apply to loss: (1) resulting directly or indirectly from any dishonest, fraudulent or criminal act of the Cardholder; (2) resulting from forgery; (3) resulting from violation of the rental agreement by the Cardholder; (4) resulting from the Cardholder being legally intoxicated (as defined in State Motor Vehicle Code where the loss occurs) or under the influence of any narcotic unless prescribed by a physician; (5) resulting from intentional damage to the Rented Automobile; (6) resulting from loss of use, by anyone, of the Rented Automobile; (7) resulting from loss due to war; (8) resulting from loss due to radioactive contamination; (9) to tires, unless damaged by fire, malicious mischief or vandalism, or stolen or unless the loss be coincident by and from the same cause as other loss covered by this policy; (10) to damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure, unless such damage resulting from a theft covered by the policy.

Effective Date
This plan became effective 01/01/93 and will cease on the date the master policy terminates (in which case you will be notified by your issuing institution), or on the date your account ceases to be in good standing, whichever occurs first.

Claim Procedure
To make a claim, the Cardholder must submit the following, within 90 days of a demand for payment from a rental company to the Plan Administrator:

a copy of the credit card charge receipt;
a copy of the rental agreement;
a copy of the police report;
a copy of the paid claim presented by the automobile rental company for the Damage or Loss for which the Cardholder is responsible;
a copy of the damage estimate from an automobile body repair shop.

Policy Number
Automatic Renter’s Liability - 6404-53-16

Questions
Answers to specific questions can be obtained by writing the National Plan Administrator.

National Plan Administrator

Financial Insurance Marketing Group
P. O. Box 31065
Tampa, Florida 33631-3065

LUGGAGE INSURANCE

Description
As a Cardholder* of this financial institution, you are automatically eligible to receive reimbursement for amounts paid for direct physical loss or damage to checked and/or carry-on baggage** and personal property contained therein. This coverage applies provided the full passage fare on the Common Carrier*** is charged to your account.

** Checked Baggage means suitcases or other containers specifically designated for carrying personal property, for which a claim check has been issued to the cardholder by a Common Carrier. Carry-On Baggage means suitcases or other containers specifically designated for carrying personal property, which are carried on board a Common Carrier by the Cardholder.

*** Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

Details

Eligibility
This Excess Baggage reimbursement is provided to Cardholders of the financial institution automatically when your common carrier passenger fee(s) are charged to your financial institutions Credit Card Account. It is not necessary for you to notify the financial institution, the Company, or National Plan Administrator when tickets are purchased.

Cost
This coverage is provided at no additional cost to eligible Cardholders of the financial institution under Master Policy 6406-94-52 issued by the Company. The financial institution pays the annual Cardholder premium of approximately $.073 per account.

Benefits
The Company's liability shall be for a maximum reimbursement of $1,250, of which no more than $200.00 shall be for all jewelry (including watches) for each Cardholder for checked baggage.

FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against the loss or damage to baggage and its contents, the following terms and conditions apply: (1) The loss or damage must occur while the Insured is in transit; (2) The maximum amount of insurance is $2,000 per bag, including contents, subject to a maximum annual aggregate amount of $10,000 for all Insured’s per trip.

Effective Date
This plan is effective April 1, 1998 for eligible cardholders and will cease on the date the master or group policy is terminated or on the date your Credit Card Account ceases to be in good standing, whichever occurs first.

Claim Procedure
To report a claim, please contact the National Plan Administrator (see address on the back panel).

At that time, you will be provided the necessary claim form and instructions on how to complete it. The claim form must be submitted within 90 days of the occurrence.

Policy Number
Luggage Reimbursement - 6406-94-52

Questions
Answers to specific questions can be obtained by writing the National Plan Administrator.

National Plan Administrator

Financial Insurance Marketing Group
P. O. Box 31065
Tampa, Florida 33631-3065

Disclaimers / Exclusions
Personal property not covered includes animals, sporting equipment, cameras and accessory equipment, eye glasses and contact lenses, prosthetic devices including dentures, furs, tickets, valuable papers and documents, securities and money, telephones, computers, or carried on hats, coats or umbrellas. Coverage does not apply to loss or damage resulting from: (1) confiscation, expropriation or detention by any government, public authority, customs or other officials; (2) war, invasion, act of foreign enemy hostilities whether war is declared or not, civil rebellion, revolution, insurrection or military seizure of power; (3) nuclear fuel or waste or from the combustion of nuclear fuel; and (4) baggage or personal property lost, stolen, or damaged during Commutation Travel*; (5) resulting from failure of any owned or non-owned computer system, computer equipment, hardware, program, software, micro-chip, integrated circuit or similar device in computer equipment or non-computer equipment to correctly recognize any date as its true or correct date.

* Commutation Travel means the regular or frequent travel between the residence and usual place of employment of the Cardholder.

HOTEL/MOTEL THEFT INSURANCE

Description
As a Cardholder of this financial institution, you are eligible to receive reimbursement for amounts actually paid to replace your personal property lost as a result of a Burglary** from your hotel or motel room located in the United States of America or Canada. Reimbursement will be on an Actual Cash Value**** basis at the time of loss. This coverage applies provided the entire cost of the hotel or motel room has been charged to your Account.

** Burglary means the taking of unattended personal property of the Insured from the Insured's registered hotel or motel room by Forcible Entry*** while doors, windows and other openings are closed and locked, and provided there are marks of Forcible Entry.***

*** Forcible Entry means that access to the Insured's hotel or motel room has been gained by breaking and entering a locked door or window.

**** Actual Cash Value means the cost to replace the lost or damaged personal property at the time of loss, less depreciation.

Details

Eligibility
This Hotel/Motel Burglary reimbursement is provided to you, as an Insured, automatically when the entire cost of your hotel or motel room is charged or debited to your Account. It is not necessary for you to notify the Insurance Company or Plan Administrator at the time the hotel or motel room cost is charged or debited to your Account.

Cost
This coverage is provided at no additional cost to eligible Insured's under the master policy issued to 6406-94-55 by Federal Insurance Company (the Company). The participating financial institution pays the annual rate of $.05 per account.

Amount of Insurance
The Company's liability for each Burglary will be a maximum of $500 per Insured, of which no more than $200 will be for all jewelry and fur. Payment will be on an Actual Cash Value basis at the time of loss. Coverage under this plan will be excess over all other insurance or indemnity available to the Insured.

Disclaimers / Exclusions
Coverage does not apply to loss resulting from: (1) any dishonest, fraudulent or criminal act of the Insured; (2) forgery by the Insured; (3) loss due to war or confiscation by authorities; (4) loss due to nuclear reaction or radioactive contamination; (5) resulting from failure of any owned or non-owned computer system, computer equipment, hardware, program, software, micro-chip, integrated circuit or similar device in computer equipment or non-computer equipment to correctly recognize any date as its true or correct date. Coverage also does not apply to: (1) personal property contained in the hotel or motel safe or safety deposit box; (2) animals; perishables; sporting equipment; cameras and accessory equipment; eye glasses and contact lenses; prosthetic devices including dentures and hearing aids; tickets, valuable papers and documents; Credit Cards and Debit Cards; securities; money; art objects; electronic equipment; business items; bullion or precious or semi-precious metals, stones or gems other than that contained in items of personal jewelry owned by the Insured; household furniture; motor vehicles, boats or watercraft or aircraft or parts for such conveyances.

Effective Date
This plan is effective August 1, 1998 and will cease on the date the master policy terminates (in which case you will be notified by the Policyholder), or on the date you no longer qualify as an eligible Insured, or on the expiration date of the applicable coverage period for the Insured, whichever occurs last.

Claim Procedure
The Insured must send the Company written notice of a claim, including the Insured's name and policy number, within 45 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or it’s authorized representative:

a copy of the Account statement showing the hotel or motel rental transaction;
a copy of the police report;
a copy of the initial claim report submitted to the hotel or motel;
proof of submission of the loss to and the results of any settlement by the hotel or motel;
proof of submission of the loss to and the results of any settlement or denial by the Insured's personal insurance carrier(s);
if no other insurance is applicable, a notarized statement from the Insured to that effect; and
evidence that the personal property has actually been replaced.

Policy Number
Hotel / Motel Burglary - 6406-94-55

FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this Policy provides insurance against the loss of or damage to the Insured's personal property* as a result of Burglary from the Insured's hotel or motel room, the following terms and conditions shall apply: (1) the loss or damage must occur while the Insured is in transit; and (2) the maximum amount of insurance is $2,000 per bag, including contents, subject to a maximum annual aggregate amount of $10,000 for all Insured's per trip.

* Personal property means baggage and contents.

As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of Insurance but is simply an informative statement to eligible Insured's of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master policy on file with Financial Institution Benefit Association Trust, c/o Dominion Trust Company as Trustee, Washington, DC, herein referred to as the Policyholder. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern.

MISREPRESENTATION AND FRAUD
Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto.

Coverage for an Insured will be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organization(s) relating hereto.

National Plan Administrator

Financial Insurance Marketing Group
P. O. Box 31065
Tampa, Florida 33631-3065

PLAN UNDERWRITTEN BY

Federal Insurance Company a member of the CHUBB GROUP OF INSURANCE COMPANIES
15 Mountain View Road, P.O. Box 1615
Warren, New Jersey 07061-1651

Claims Administration

Chubb Eastern Service Center
600 Independence Parkway
P.O. Box 4700
Chesapeake, VA 23327-4700
Phone: (800) 252-4670 Fax: (800) 300-2538

NOTICE TO FLORIDA RESIDENTS: The benefits of the policy providing your coverage are governed primarily by the law of a state other than Florida.

LOST KEY RETURN SERVICE

Description
Protect your privacy with a number-coded key ring medallion. When keys are found the finder is instructed to drop them into any mailbox. Keys are returned to you postage paid. This could save you a lot of money and hassles. Sign up for this service on the attached Enrollment Form

Details
Attach the provided key medallion to your key ring. The medallion must be placed into any United States Postal Service mailbox. Once in the mail, the keys will be sent to the main distribution center and mailed to your address on file.

Disclaimers / Exclusions
None.

PAYMENT CARD REGISTRATION

Description
Register all of your payment cards confidentially and never worry about lost or stolen cards. If cards are lost or stolen, one toll-free call reports the loss, cancels the cards, stops unauthorized purchases, and requests prompt replacement.

Details
List your cards on the Payment Card Registration Enrollment Form and mail to:

Financial Institution Benefit Association, Inc.
P.O. Box 31065, Tampa, FL 33631-3065.

You will receive an acknowledgement letter to verify that the information registered is accurate.

Disclaimers / Exclusions
Calling cards, ATM (non-debit) cards, and the like cannot be registered. Some major credit card companies require the cardholder (or legal representative) to cancel the card personally. In those instances, you will be notified and provided with all the necessary information to cancel the card.