VISA SIGNATURE AND CASH BACK VISA SIGNATURE

T RA VEL A ND EM ERGENCY A SSISTAN C E S E R V I C E S Legal Referral Assistance can arrange contact with English-speakingattorneys and with U.S. embassies or consulates if you’re detainedby local authorities, have a car accident, or need legal assistance.In addition, the Benefit Administrator can coordinate bail paymentfrom your Visa Signature or personal account. The BenefitAdministrator can also follow up to make sure bail has beenproperly handled. NOTE: All costs are your responsibility. Emergency Transportation Assistance can help you make allthe necessary arrangements for emergency transportation homeor to the nearest medical facility. This even includes arrangingto bring your young children home and staying in contact withfamily members or employers. In the case of a death, the BenefitAdministrator can make arrangements for returning the remainsof the deceased home. NOTE: All costs are your responsibility. Emergency Ticket Replacement helps you with the carrier’s lostticket reimbursement procedures if you should lose your ticketand can arrange delivery of a replacement ticket to you. NOTE:All costs are your responsibility. Lost Luggage Locator Service can help you through the commoncarrier’s claim procedures or can arrange shipment of replacementitems if an airline or common carrier loses your checked luggage.The Benefit Administrator can also arrange a cash advance withyour Visa issuing bank. However, you are responsible for thecost of any replacement items shipped to you. Emergency Translation Service provides telephone assistance inall major languages and helps find local interpreters, if available,when you need more extensive assistance. NOTE: All costs areyour responsibility.PrescriptionAssistance and Valuable Document Delivery Arrangements can help you get prescriptions filled or replaced,subject to local laws, and can even arrange pickup and deliveryof prescriptions filled for you at local or nearby pharmacies. It canalso help transport critical documents which you may have left athome or elsewhere. NOTE: All costs are your responsibility. Pre-Trip Assistance can give you information on your destinationbefore you leave—information such as ATM locations, currencyexchange rates, weather reports, health precautions, immunizations,and required passport visas.What are Travel and Emergency Assistance Services?Help when you don’t know where to turn. You can count on a widerange of Visa Signature emergency services available wheneverand wherever you need them, 24 hours a day, 365 days a year.We will make every reasonable effort to respond when you have anemergency—even if you need assistance beyond the services listed here.Please understand that, due to occasional problems such as distance,location, or time, neither Visa nor its service providers can be responsiblefor the availability, use, cost, or results of any medical, legal, transportation,or other service.Who is eligible for Travel and Emergency Assistance Services?You, your spouse, and your children [provided the children aredependents under twenty-two (22) years old] may all takeadvantage of these special emergency services.How do I get these services?They’re as close as the nearest phone. You simply call the BenefitAdministrator at 1-800-397-9010 any hour of the day or night. Ifyou are outside the United States, call collect at 303-967-1093.Is there a charge for these services?No. Visa Signature Travel and Emergency Assistance Services areavailable to eligible Visa Signature cardholders at no additional charge.Please note: Visa Signature Travel and Emergency AssistanceServices provide assistance and referral only. You are responsiblefor the cost of any actual medical, legal, transportation, cash advance,or other services or goods provided.What are the specific services and what do they provide?Visa Signature Travel and Emergency Assistance Services will putyou in touch with the appropriate emergency services should theneed arise. Here are some of the ways we can help: Emergency Message Service can record and relay emergencymessages for travelers, immediate family members, or businessassociates. NOTE: Visa will use reasonable efforts to relayemergency messages in accordance with benefit guidelinesand limitations, but cannot take responsibility for the failureto transmit any message successfully. Medical Referral Assistance provides medical referral, monitoring,and follow-up. The Benefit Administrator can give you names ofEnglish-speaking doctors, dentists, and hospitals; assign a doctorto consult by phone with local medical personnel, if necessary,to monitor your condition, keep in contact with your family, andprovide continuing liaison; and help you arrange medical paymentsfrom your Visa Signature or personal account. NOTE: All costsare your responsibility.Additional Provisions for Travel and Emergency Assistance Services: The benefitdescribed in this Guide to Benefit will not apply to Visa Signature cardholders whoseaccounts have been suspended or canceled. The terms and conditions contained inthis Guide to Benefit may be modified by subsequent endorsements. Modificationsto the terms and conditions may be provided via additional Guide to Benefit mailings,statement inserts, or statement messages.FORM #VTEAS – 2010 (Stand 04/11)CEL L UL A R T EL EP HO NE P ROT E C T I ONWhat is Cellular Telephone Protection?What type of protection is this?Subject to the terms and conditions provided in this Guide toBenefit, Cellular Telephone Protection will reimburse the enrolledVisa cardholder (the “Cardholder”, also referred to as “You”or “Your”) for damage to or theft of eligible Cellular WirelessTelephones. Eligible Cellular Wireless Telephones are the primaryline and up to the first two secondary, additional, or supplementallines as listed on Your cellular provider’s monthly billing statementfor the billing cycle preceding the month in which the theft ordamage occurred. Cellular Telephone Protection is subject to afifty-dollar ( 50.00) co-payment per claim and a maximum of two(2) claims per twelve (12) month period. The maximum benefitlimit is 200 per claim and 400 per twelve (12) month period.Cellular Telephone Protection is supplemental to, and excessof, valid and collectible insurance or indemnity (including, butnot limited to, Cellular Wireless Telephone insurance programs,homeowner’s, renter’s, automobile, or employer’s insurancepolicies). After all insurance or indemnity has been exhausted,Cellular Telephone Protection will cover the damage or theft upto 200 per claim, subject the terms, conditions, exclusions, andlimits of liability of this benefit as well as the fifty-dollar ( 50.00)co-payment. The maximum limit of liability is 200 per claimoccurrence, and 400 per twelve (12) month period. You willreceive no more than the purchase price less your fifty-dollar( 50.00) co-payment as recorded on Your submitted receipt.Who is eligible for this protection?What is not covered?To be eligible for Cellular Telephone Protection, You must bea valid cardholder of an eligible U.S.-issued Visa Signature cardenrolled in the Cellular Telephone Protection benefit and chargeYour monthly Cellular Wireless Telephone bills to Your eligible VisaSignature card. Only Cellular Wireless Telephones purchased by thecardholder will be covered. Cellular Wireless Telephone accessories other than standardbattery and/or standard antenna provided by the manufacturer Cellular Wireless Telephones purchased for resale, professional,or commercial use Cellular Wireless Telephones that are lost or “mysteriouslydisappear.” “Mysterious disappearance” means the vanishingof an item in an unexplained manner where there is absence ofevidence of a wrongful act by a person or persons. Cellular Wireless Telephones under the care and control of acommon carrier (including, but not limited to, U.S. Postal Service,airplanes, or delivery service). Cellular Wireless Telephones stolen from baggage unlesshand-carried and under Your personal supervision, or under thesupervision of Your traveling companion who is previously knownto You. Cellular Wireless Telephones stolen from a construction siteFollowing the program effective date set forth above, Your CellularTelephone Protection begins the first day of the calendar monthfollowing the payment of the Cellular Wireless Telephone bill usingan eligible Visa Signature card. If the cardholder fails to make aCellular Wireless Telephone bill payment in a particular month, theCellular Telephone Protection is suspended. Provided the CellularTelephone Protection continues to be offered, the benefit willresume on the first day of the calendar month following the dateof any future Cellular Wireless Telephone bill payment with theeligible card.2

CEL L UL A R T EL EP HO NE P RO T ECTI ON Cellular Wireless Telephones which have been rented, leased,borrowed or Cellular Wireless Telephones that are received aspart of a pre-paid plan or “pay as you go” type plans. Cosmetic damage to the Cellular Wireless Telephone or damagethat does not impact the Cellular Wireless Telephone’s ability tomake or receive phone calls. Damage or theft resulting from abuse, intentional acts, fraud,hostilities of any kind (including, but not limited to, war, invasion,rebellion, or insurrection), confiscation by the authorities, risksof contraband, illegal activities, normal wear and tear, flood,earthquake, radioactive contamination, or damage from inherentproduct defects or vermin. Damage or theft resulting from misdelivery or voluntary partingwith the Cellular Wireless Telephone. Replacement Cellular Wireless Telephone not purchased from acellular service provider’s retail or Internet store. Taxes, delivery and transportation charges, and any feesassociated with the cellular service provider.( CONT INU E D)(for example: Verizon Wireless, AT&T, Sprint, etc.). If the claim amount is less than Your personal homeowner’s,renter’s, or automobile insurance deductible, a copy of Yourinsurance policy personal declaration page is sufficient forYour claim. If the claim amount is greater than Your personalhomeowner’s, renter’s, or automobile insurance deductible,You are required to file a claim with Your applicable insurancecompany and to submit a copy of any claims settlement fromYour insurance company along with Your claim form. Documentation (if available) of any other settlement of the claim. Any other documentation deemed necessary, in the BenefitAdministrator’s sole discretion, to substantiate Your claim. Allclaims must be fully substantiated as to the time, place, cause,and purchase price of the Cellular Wireless Telephone.How will I be reimbursed?Depending on the nature and circumstances of the damage ortheft, the Benefit Administrator, at its sole discretion, may chooseto repair or replace the Cellular Wireless Telephone or reimbursethe cardholder for the lesser of a) 200 excess of the fifty-dollar( 50.00) co-payment; or b) the current suggested retail price of areplacement Cellular Wireless Telephone of like kind and quality,excluding taxes, delivery and transportation charges, and any feesassociated with the Cellular Wireless Telephone service provider,less the fifty-dollar ( 50.00) co-payment.Please note: Cellular Telephone Protection is subject to amaximum of two (2) claim occurrences per twelve (12) monthperiod.Do I need to keep copies of receipts or any other records?Yes. If You want to file a claim, You will need copies of Your cardstatement reflecting monthly Cellular Wireless Telephone billpayments during the time of the damage or theft and Your storereceipt for purchase of Your new Cellular Wireless Telephone.How do I file a claim?Call the Benefit Administrator at 1-866-894-8569 (or collect at303-967-1093) within sixty (60) days of damage or theft. Pleasenote: If You do not give such notice within sixty (60) days afterthe damage or theft Your claim may be denied. The BenefitAdministrator representative will ask You for some preliminaryclaim information and send You the appropriate claim form. Thisclaim form must be completed, signed, and returned with all therequested documentation within ninety (90) days from the dateof damage or theft of the eligible Cellular Wireless Telephone orYour claim may be denied.Under normal circumstances, reimbursement will take place withinten (10) business days of receipt and approval of claim form andall required documents.Additional Provisions for Cellular Telephone Protection: This protection providesbenefits only to You the eligible Visa Signature cardholder. You shall use duediligence and do all things reasonable to avoid or diminish any loss or damage to theCellular Wireless Telephone from damage or theft. This provision will not be appliedunreasonably 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 claimand the Cellular Telephone Protection benefit may be canceled. Each cardholderagrees that representations regarding claims will be accurate and complete. Any andall relevant provisions shall be void in any case of fraud, intentional concealment, ormisrepresentation of material fact.Once You report an occurrence of damage or theft, a claim file will be opened and shallremain open for six (6) months from the date of the damage or theft. No payment willbe made on a claim that is not completely substantiated in the manner required by theBenefit Administrator within six (6) months of the date of damage or theft.After the Benefit Administrator has paid Your claim, all Your rights and remediesagainst any party in respect of this claim will be transferred to the BenefitAdministrator to the extent of payment made to You. You must give all assistance asmay be reasonably necessary to secure all rights and remedies.No legal action for a claim may be brought against Us until sixty (60) days after theBenefit Administrator receives all necessary documentation needed to substantiatedamage or theft. After the expiration of three (3) years from the time written Proofof 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 the terms and conditionsof this Guide to Benefit have been complied with fully.This benefit is provided to eligible Visa cardholders at no additional cost. The termsand conditions contained in this Guide to Benefit may be modified by subsequentendorsements. Modifications to the terms and conditions may be provided viaadditional Guide to Benefit mailings, statement inserts, or statement messages. Thebenefit described in this Guide to Benefit will not apply to Visa cardholders whoseaccounts have been suspended or canceled. The Cellular Telephone Protectiondescribed in this Guide to Benefit will not apply to cardholders whose applicable Visacard account(s) are closed, delinquent, or otherwise in default.Termination dates may vary by financial institutions. Visa and/or Your financial institutioncan cancel or non-renew the benefit, and if we do, we will notify You at least thirty(30) days in advance. This information describes the benefit provided to You as a Visacardholder. It is insured by Indemnity Insurance Company of North America.FORM #VCELLPHONE – 2010 (04/11)What do I need to submit with my claim? Your completed and signed claim form. Copies of Your card statement reflecting the entire monthlyCellular Wireless Telephone payments for the month precedingthe date of damage or theft. A copy of Your cellular wireless service provider billingstatement that corresponds with the above card statement. A copy of the original Cellular Wireless Telephone purchasereceipt or other sufficient proof, as determined in the BenefitAdministrator’s sole discretion, of the Cellular WirelessTelephone model currently linked to Your Cellular WirelessTelephone account. If the claim is due to theft or criminal action, a copy of the policereport filed within forty-eight (48) hours of the occurrence. If the claim is due to damage, a copy of an insurance claim orother report as the Benefit Administrator, in its sole discretion,deems necessary to determine eligibility for coverage. In additionthe Benefit Administrator may in its sole discretion require (a) anitemized estimate of repair from an authorized Cellular WirelessTelephone repair facility or (b) the Cardholder to submit theCellular Wireless Telephone to the Benefit Administrator toevaluate the damage or (c) an itemized store receipt for thereplacement Cellular Wireless Telephone showing the purchasewas made at a cellular service provider’s retail or Internet storeP RICE P RO T ECT IO NWhat is the Price Protection benefit?The Price Protection benefit helps you save money on manyproducts you buy entirely with an eligible Visa Signature card.If you buy an eligible item with your card in the United Statesand see a printed advertisement of it for less at any retail storewithin sixty (60) days of the original purchase date, simply file avalid claim and we will refund the difference up to 500 per item.This benefit is limited to 2,500 a year per cardholder’s eligibleaccount. Please note: The printed advertisement must include adescription of the item identical to the one purchased, the saleprice, the store or dealer’s name, and the date(s) the sale is ineffect. The sale date must be within sixty (60) days after theoriginal purchase date.Who is eligible for this protection?To be eligible for this benefit, you must be a valid cardholder ofan eligible U.S.-issued Visa Signature card, and a citizen and/orresident of the United States.How do I file a Price Protection benefit claim?1. Use your eligible Visa Signature card to charge the full amountof your purchase of the eligible item. Save all original receipts,both Visa card paperwork and itemized store receipt.2. If you see the identical product by the same manufactureradvertised in print for a lower retail price within sixty (60)days after the purchase, obtain and retain the original printedadvertisement. Only items advertised by authorized dealersin the United States apply. Price differences involvingmanufacturer and/or merchant rebates, shipping and handlingfees, and sales tax, if any, are not covered by the PriceProtection benefit.3. Within ten (10) days of the printed advertisement, call our3

P RICE P RO T ECT IO Ntoll-free number at 1-800-553-7520. You will receive a claimform that details the necessary procedures to file your claim.Follow the instructions on the letter carefully. Return thecompleted claim form along with: The original itemized sales receipt, The original Visa Signature card receipt demonstrating thatthe entire purchase was made on your eligible card, and The original printed advertisement showing the item, saledate and/or date of the advertisement,lower advertised price, and advertising store name to:Enhancement ServicesP.O. Box 2894Great Falls, MT 59403Should you need assistance, Customer Service Representatives areavailable 24 hours a day, 365 days a year.( C ONT INU E D)promotions, or liquidation sales. Advertisements of sales of seasonal or discontinued itemsincluding, but not limited to, holiday decorations. Animals and living plants. Boats, automobiles, and any other motorized vehicles and theirmotors, equipment, or accessories. Cell phone service agreements and cell phone contracts. Items purchased for resale, professional, or commercial use. Jewelry, antiques, and collectible items, rare or one-of-a-kinditems, special order items, custom items, or tailored items. Manufacturer and/or merchant rebates. Perishables, services, consumables, and limited-life itemsincluding, but not limited to, rechargeable batteries. Real estate and items which are intended to become part of realestate including, but not limited to, items that are hard-wired orhard-plumbed, garage doors, garage door openers, andceiling fans. Traveler’s checks, cash, tickets, credit or debit cards, and anyother negotiable instruments. Items purchased outside of the United States. Items without a manufacturer’s U.S. warranty (warrantable itemsonly). Previously owned, sold “as is,” and refurbished items.DefinitionsAdvertised or advertisements means an advertisement printedin a newspaper, journal, magazine, or flyer distributed in theUnited States to the general public and placed by a manufactureror authorized dealer of the consumer product in the UnitedStates. Any advertisement that is cut down or altered in anymanner will not be sufficient documentation of loss. Therefore,any advertisements, catalogs, etc. must be submitted in wholewith date verification. The only exception will be magazines andnewspapers. In this case, you do not need to send the wholepublication, but you will be required to send the whole page orpages in which the advertisement is found, with the date and nameof the publication.The Price Protection benefit does not apply to advertisements forclose-out sales, flea markets, fire sales, cash-only sales, limitedquantity promotions, liquidation sales, going-out-of-businesssales, seasonal sales, or advertisements on the Internet. ThePrice Protection benefit is secondary to and excess of storepolicies offering a lowest-price guarantee or any other form ofrefund for price differences.Date of Purchase means the date you paid for and received theitem, or the date of delivery and personal acceptance of the item,whichever is later.How will I be reimbursed?Within twenty (20) days after your request for a claim form,return the form to us with the required documents. If your requestis approved, we will issue you a refund for the difference in theprice, up to a maximum of 500 per item. If your documentation isnot complete, we will request additional information, which mustbe supplied to us within sixty (60) days of the request.What is not covered?The Price Protection benefit does not cover the following items: Advertisements posted on the Internet. Advertisements of cash-only sales, close-out sales, fleamarkets, fire sales, going-out-of-business sales, limited-quantityAdditional Provisions for Price Protection: The Price Protection benefit issupplemental to, and excess of, any valid and collectible avenue of recovery which isavailable to you, the eligible Visa cardholder. We will refund the excess amount onceall other coverage has been exhausted up to the limit of liability.This benefit is available only to you, the eligible Visa Signature cardholder.If you make any claim knowing it to be false or fraudulent, no coverage shallexist for such claim and your benefits may be canceled. Each cardholder agreesthat representations regarding claims will be accurate and complete. Any and allrelevant provisions shall be void in any case of fraud, intentional concealment, ormisrepresentation of material fact.Once you report a claim, a claim file will be opened and shall remain open for sixty(60) days from the date you reported the claim. No payment will be made on aclaim that is not completely substantiated in the manner required by the BenefitAdministrator within seventy (70) days of the date of the printed advertisement.After the Benefit Administrator has paid your claim, all rights and remedies againstany party in respect of this loss will be transferred to the Benefit Administrator to theextent of the cost of payment made to you. You must give the Benefit Administratorall assistance as may reasonably be required to secure all rights and remedies.No legal action for a claim may be brought against us until sixty (60) days after wereceive Proof of Loss. No legal action against us may be brought more than two (2)years after the time for giving Proof of Loss. Further, no legal action may be broughtagainst 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 additionalcost. The terms and conditions contained in this Guide to Benefit may be modifiedby subsequent endorsements. Modifications to the terms and conditions may beprovided via additional Guide to Benefit mailings, statement inserts, or statementmessages. The benefit described in this Guide to Benefit will not apply to VisaSignature cardholders whose accounts have been suspended or canceled.Termination dates may vary by financial institutions. Visa and/or your financialinstitution can cancel or non-renew this benefit, and if we do, we will notify you atleast thirty (30) days in advance. This information is a description of the benefitprovided to you as a Visa cardholder. It is insured by Indemnity Insurance Companyof North America.For general questions regarding this benefit, call 1-800-553-7520.FORM #VPRICEPROT – 2010 (04/11)T RIP DEL A Y REIM BURSEM E N TWhat is this benefit?When certain terms and conditions are met on a Covered Trip,Visa Trip Delay Reimbursement will cover up to a maximumof three hundred dollars ( 300.00) per purchased ticket forreasonable expenses, on a one-time basis, if your Covered Tripis delayed for more than twelve (12) hours and if that delay iscaused by a Covered Hazard, provided the full travel fare has b

† Visa Signature Concierge – Visa Signature also provides complimentary Concierge* service, featuring 24-hour assistance with travel planning, dinner reservations and more. † Shopping – Cardholders enjoy shopping discounts and offers at premium retailers from jewelry to apparel an