Spark Business Enhanced Visa Signature Business® Guide To Benefits

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Capital One

Spark Business

ENHANCED VISA SIGNATURE BUSINESS

GUIDE TO BENEFITS

Your Guide to Beneﬁts describes the beneﬁts in effect as of

9/1/18. Beneﬁt information in this guide replaces any prior

beneﬁt information you may have received. Please read and

retain for your records. Your eligibility is determined by your

ﬁnancial institution.

For more information about the benefits described in this

guide, call the Benefit Administrator at 1-800-397-9010, or

call collect outside the U.S. at 303-967-1093.

For questions about your account, balance, or rewards

points please call the customer service number on your Visa

Signature Business card statement.

With Visa Signature Business

, you can enjoy the strength, recognition,

and acceptance of the Visa

brand—with special perks and benefits in

addition to the rewards you already earn.

• You’ll enjoy instant access to dozens of perks like preferred seating

at popular sports, music, film, and theater events, travel packages

and savings, and dining perks. Plus enjoy complimentary 24-hour

concierge* service, shopping savings, and special offers from your

favorite retailers.

• You’re also entitled to security and convenience benefits like Purchase

Security and Extended Protection, Roadside Dispatch

, Travel and

Emergency Assistance Services, Auto Rental Collision Damage Waiver,

Lost Luggage Reimbursement, and Travel Accident Insurance.

Look inside for additional information on Visa Signature Business card

perks and benefits.

*Cardholders are responsible for the cost of any goods and services

purchased by the Visa Signature Concierge on cardholder’s behalf.

TABLE OF CONTENTS

Summary of Beneﬁts..............................................................................1

Concierge....................................................................................1-2

Purchase Security and Extended Protection........................................2-4

Cell Phone Protection..........................................................................4-5

Price Protection...................................................................................5-6

Travel and Emergency Assistance Services..........................................6-7

Ride Share Protection..........................................................................7-9

Auto Rental Collision Damage Waiver...............................................9-11

Baggage Delay Reimbursement......................................................11-12

Lost Luggage Reimbursement........................................................12-13

Trip Cancellation.............................................................................14-16

Travel Accident Insurance...............................................................16-17

PRESENTING YOUR VISA SIGNATURE BUSINESS PERKS AND BENEFITS*

• Travel – Enjoy premium benefits at a collection of over 900 of the

world’s finest properties with the Visa Signature Luxury Hotel Collection.

• Roadside Dispatch – Get convenient towing and locksmith referral

services in the United States and Canada, available 24 hours a day,

7 days a week. 1-800-VISA-TOW connects you to the Roadside

Dispatch service.

• Fine Wine & Food – Indulge your passion for everything gourmet

with special dining and wine experiences. Attend dining events,

plus enjoy complimentary wine tastings and discounts at Sonoma

County wineries.

• Shopping – Enjoy discounts and special offers at premium retailers,

from jewelry to apparel and electronics.

• Emergency Card Replacement and Emergency Cash Disbursement

– This efficient, 24x7x365 worldwide service allows you to quickly and

easily get a replacement Visa Signature Business card sent to you

and/or receive emergency cash at a convenient location.

• Lost/Stolen Card Reporting – This 24x7x365 worldwide service saves

you valuable time if you need to report a lost or stolen Visa Signature

Business card.

• Visa Signature Concierge – Save time and make your life easier with

the complimentary Visa Signature Concierge service. Just call anytime,

24 hours a day. The Visa Signature Concierge service can help you find

tickets to the top sports and entertainment events, book travel, make

dinner reservations, and even help you find the perfect gift. To use

the Visa Signature Concierge service, call (800) 953-7392. For calls

outside the United States, call us collect at (630) 350-4551.

• Purchase Security and Extended Protection – Will replace, repair,

or reimburse you for eligible items of personal property up to $10,000

per claim for ninety (90) days from the date of purchase in the event

of theft or damage. Extended Protection doubles the time period of

the original manufacturer’s written U.S. repair warranty up to one (1)

full year on warranties of three (3) years or less when you purchase

an item entirely with your eligible Visa Signature Business card.

• Cell Phone Protection – When you pay your monthly wireless bill

with your eligible Visa Signature Business card, your cell phone is

protected for the next calendar month if your cell phone is stolen or

damaged ($50 deductible).

• Price Protection – The Price Protection benefit helps you save money

on many products you buy entirely with an eligible Visa Signature

Business card.

• Travel and Emergency Assistance Services – Get help coordinating

medical, legal, and travel services while you’re away from home.

• Ride Share Protection – Now you are protected when traveling in a

Rideshare vehicle, such as Uber

or Lyft

, when you pay for a portion

or the entire amount of your fare with your covered Visa Signature

Business card. Benefits include reimbursement for personal property

that is lost or damaged, accident medical expense reimbursement

and travel accident insurance coverage.

• Auto Rental Collision Damage Waiver – Receive primary coverage, at

no additional cost, for damage due to collision or theft. Just charge

your entire rental transaction to your eligible Visa Signature Business

card and decline the rental company’s collision damage waiver.

• Baggage Delay Reimbursement – If your checked baggage is delayed

or misdirected for more than four hours, you can be reimbursed for

essential items you purchase ($100 per day for three days maximum).

Simply charge your travel tickets to your covered Visa Signature

Business card.

• Lost Luggage Reimbursement – Feel confident knowing your checked

or carry-on luggage is covered up to $3,000 if lost or stolen when

you charge your entire common carrier ticket to your eligible Visa

Signature Business card.

• Trip Cancellation – Prepare for the unexpected when you purchase

travel with your covered Visa Signature Business card. Your non-

refundable fare is covered in case of Trip Interruption or Cancellation

due to serious illness of you or an immediate family member.

• Travel Accident Insurance – Receive coverage for common carrier

accidental death or dismemberment, at no extra cost, when you charge

your entire travel fare to your eligible Visa Signature Business card.

*Certain restrictions, limitations, and exclusions apply. For questions or

assistance 24 hours a day, 365 days a year: call the toll-free number on

the back of your Visa Signature Business card.

VISA SIGNATURE CONCIERGE

Your complimentary Visa Signature

Concierge* service is available 24

hours a day to help you find tickets to entertain clients, arrange lunch

meetings, or provide ground transportation. Call (800) 953-7392 to set

up a concierge profile with airline, hotel and car rental loyalty numbers

so that your profile is set up and ready for when you need assistance with

business travel.

• Whether your business travels take you across the country or around

the world, Visa Signature Concierge* service can help take care of it.

• Last minute client meeting come-up? Call your complimentary Visa

Signature Concierge* service to find a hotel that suits you.

• You have a big event coming up, and you need help planning it. Don’t

worry...give us a call.

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Disclosures:

* You are responsible for the payment of any and all charges associated

with any goods, services, reservations or bookings purchased or

arranged by the Visa Signature Concierge on your behalf. Any such

purchases or arrangements are solely between you and the respective

merchant, and Visa is not a party to the transaction. All goods

and services subject to availability. See full terms of service at

visasignatureconcierge.com.

PURCHASE SECURITY AND EXTENDED PROTECTION

Purchase Security

Life is full of surprises...some good surprises; and some, not so good.

For instance, Your son’s brand new iPad got soaked, in a sudden

rainstorm at summer camp. But, You bought the item with Your card so,

You may be covered. Purchase Security protects new retail purchases

made with Your eligible Account and/or rewards programs associated

with Your covered Account within the first ninety (90) days from the date

of purchase. To be eligible for this coverage, You need to purchase either

a portion or the entire cost of the item using Your Account and/or rewards

program associated with Your covered Account.

At the Benefit Administrator’s discretion, this benefit replaces, repairs, or

reimburses You, up to the total purchase price of Your item for a maximum

of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars

($50,000.00), per cardholder, in the event of theft or damage.

You are eligible for this benefit if You are a cardholder of an eligible card

issued in the United States.

Gifts purchased for friends and family members may also be covered if

they are purchased with Your covered Account and/or rewards program

associated with Your covered Account.

Purchase Security covers

Eligible items of property purchased with Your Account and/or rewards

program associated with Your covered Account are covered for theft or

damage. Purchases made outside the United States are also covered as

long as You purchased the item with Your covered Account and/or rewards

program associated with Your covered Account.

Purchase Security does not cover

• Animals and living plants

• Antiques or collectible items

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

their motors, equipment, or accessories, including trailers and other

items towable or attachable to any motorized vehicle

• Broken items, unless the result of a covered occurrence

• Computer software

• Items purchased for resale

• Items that are lost, or that “mysteriously disappear,” meaning they

vanished in an unexplained manner, with no evidence of wrongdoing

by one person or several

• Items under the control and care of a common carrier (including the

U.S. Postal Service, airplanes, or a delivery service)

• Items in Your baggage (unless hand carried, or under Your

supervision or that of a companion You know); includes jewelry and

watches, among other things

• Theft or damage stemming from abuse, fraud, hostilities (war,

invasion, rebellion, insurrection, terrorist activities, and more);

confiscation by authorities (if contraband or illegal); normal wear

and tear; flood, earthquake, radioactive contamination; damage from

inherent product defects

• Theft or damage from misdelivery, or voluntarily parting with property

• Medical equipment

• Perishable or consumable items, including cosmetics, perfumes,

rechargeable batteries, among others

• Real estate and items intended for real estate, including hard-wired

and hard-plumbed items, garage doors and openers, ceiling fans,

among other items

• Rented and leased items

• Traveler’s checks, cash, tickets, credit or debit cards, among other

negotiable purchased instruments

• Items used or pre-owned (Refurbished items will not be considered

used or pre-owned as long accompanied by a warranty)

Filing a Purchase Security claim

Call the Benefit Administrator at 1-800-397-9010, or call collect

outside the U.S. at 1-303-967-1093, within sixty (60) days of the damage

or theft (if You wait longer, coverage may be denied). The Benefit

Administrator will ask for some preliminary claim information, answer

Your questions and send You a claim form. When You submit Your claim,

be sure to include all information regarding Your claim including the time,

place, cause and the amount to either replace or repair the item.

If You have insurance (homeowner’s, renter’s, car, employer or any other),

You are required to file a claim with Your insurance company and to

submit a copy of any claim settlement from Your insurance company along

with Your claim form. Purchase Security provides coverage on an “excess”

coverage basis, meaning it does not duplicate coverage, but pays for a

loss only after valid and collectible insurance or indemnity (including, but

not limited to, homeowner’s, renter’s, automobile, or employer’s insurance

policies) has been exhausted. At that point, Purchase Security will cover

the loss up to the amount charged to Your eligible Account, subject to the

terms, exclusions, and limits of liability of the benefit.

This benefit also pays for the outstanding deductible portion of Your

insurance or indemnity for eligible claims. The maximum total limit of

liability is up to ten thousand dollars ($10,000.00) per claim occurrence

and fifty thousand dollars ($50,000.00) per cardholder. You will receive no

more than the purchase price as recorded on the eligible card receipt.

When a protected item is part of a pair or set, You will receive no more

than the value (as described above) of the particular part or parts, stolen

or damaged, regardless of any special value that item may have as part

of such a pair or set, and no more than the proportionate part of an

aggregate purchase price of such pair or set.

For faster filing, or to learn more about Purchase Security, visit

www.cardbenefitservices.com

Gift recipients may file their own claims, if they have the necessary

substantiating documents.

Please submit the following documents:

• Your signed and completed claim form

• A copy of Your monthly billing statement (showing the last four [4]

digits of the Account number) demonstrating that the purchase was

made on Your eligible Account and/or rewards programs associated

with Your covered Account

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

documentation as to additional currency, voucher, points or any other

payment method utilized

• A copy of the itemized store receipt demonstrating that the purchase

was made on Your eligible Account and/or rewards programs

associated with Your covered Account

• Copy of the documentation of any other settlement of the loss

(if applicable)

• If the item is repairable, the estimate of repair OR a copy of the paid

receipt/invoice for the repairs, indicating the type of damage to the

claimed item (if applicable)

• A copy of a police report (in the case of theft), fire report, or other

incident report made within forty-eight [48] hours or as soon

as reasonably possible of the occurrence. All losses must be

substantiated. If the loss was not reported, please contact the Benefit

Administrator to determine if there may be other documentation that

can be provided to determine your eligibility for Purchase Protection

• Any other documents necessary to substantiate Your claim

In some cases of damage, You will be asked to send, at Your expense, the

damaged item along with Your claim in order to substantiate the claim, so

make sure to keep the damaged item in Your possession.

PLEASE NOTE: Your maximum recovery under the Purchase Security Benefit

is the purchase price of the item, not to exceed the coverage limit.

Please return Your signed and completed form with all documentation

within ninety (90) days of the date of theft or damage.

How will I be reimbursed?

Once You’ve met the conditions of this benefit, the Benefit Administrator

will resolve Your claim in one of two ways:

• A damaged item may be repaired, rebuilt, or replaced, while a stolen item

will be replaced. Typically, You will receive notice about this decision

within fifteen (15) days upon receipt of Your claim documentation.

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• You may receive payment to replace Your item, an amount not more

than the original purchase price, less shipping and handling charges,

up to ten thousand dollars ($10,000.00) per claim and fifty thousand

dollars ($50,000.00) per cardholder. 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 five (5) business days.

Extended Warranty Protection

Product warranties can be inconvenient and cumbersome to use.

Let’s say You purchased a great gadget about a year ago, but it just

stopped working, and You can’t find Your sales receipt and warranty

information. For all too common situations like these, Extended Warranty

Protection can help.

Extended Warranty Protection provides You with valuable features that

help You manage, use and extend the warranties for eligible items

purchased on Your covered Account and/or rewards programs associated

with Your covered Account. Services include Warranty Registration

and Extended Protection. You are eligible for this benefit if You are

a cardholder of an eligible card issued in the United States and You

purchase either a portion or the entire cost of the item using Your Account

and/or rewards program associated with Your covered Account.

Here’s how Warranty Registration works

When You purchase an eligible item that carries a manufacturer’s

warranty, You can register Your purchase by calling 1-800-397-9010 or

call collect outside the U.S. at 1-303-967-1093. You can also register

Your purchase online at www.cardbenefitservices.com.

The Benefit Administrator will tell You where to send Your item’s sales

receipt and warranty information, so they can be kept on file should You

need them.

If You choose not to register Your item, be sure to keep Your monthly

billing statement reflecting the purchase, the itemized sales receipt, the

original manufacturer’s written U.S. warranty and any additional warranty

in a safe place. These documents will be required to verify Your claim.

Here’s how Extended Protection works

Your warranty coverage can be doubled up to one (1) additional

year on eligible warranties of three (3) years or less. For example, a

manufacturer’s warranty of three (3) months would be provided with an

additional three (3) months of coverage for a combined total of six (6)

months of coverage, and a warranty for six (6) months would be provided

with an additional six (6) months of coverage for a combined total of

twelve (12) months of coverage. However, if the manufacturer’s warranty

is for three (3) years, it would only be extended one (1) additional year.

This benefit is limited to no more than the original price of the purchased

item (as shown on Your credit card receipt), less shipping and handling

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

and fifty thousand dollars ($50,000.00) per cardholder.

The benefit covers purchases made both inside and outside the U.S.

The eligible item must have a valid original manufacturer’s U.S. repair

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

assembler warranty.

What Extended Protection does not cover

• 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 specifically covered under the terms of the

original manufacturer’s written U.S. repair warranty, as supplied by

the original manufacturer, or other eligible warranty

• Items purchased for resale

• Real estate and items which are intended to become part of real

estate including, but not limited to, items that are hard-wired or

hard-plumbed, garage doors, garage door openers, and ceiling fans

• Rented or leased items

• 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)

Filing an Extended Protection claim

To file a claim, call the Benefit Administrator at 1-800-397-9010 (or

call collect outside the U.S., at 1-303-967-1093), immediately after the

failure of Your covered item. Please note that if You do not notify the

Benefit Administrator within sixty (60) days of product failure, Your

claim may be denied.

The Benefit Administrator will request preliminary claim information,

direct You to the appropriate repair facility, and send You the claim form.

Gift recipients of eligible items are also covered, but they must provide all

the documents needed to substantiate their claim.

If You received or purchased a service contract or an extended

warranty when You purchased Your item, this benefit will be

supplemental to, and in excess of, that coverage.

What You must submit to file a claim

Fill out and sign the claim form the Benefit Administrator sent You, then

submit the form within ninety (90) days of the product failure, along with

the following documents:

•

A copy of Your monthly billing statement (showing the last four [4]

digits of the Account number) demonstrating that the purchase was

made on Your eligible Account and/or rewards program associated

with Your covered Account

•

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

documentation as to additional currency, voucher, points or any other

payment method utilized

•

A copy of the itemized sales receipt

•

A copy of the original manufacturer’s written U.S. warranty, and any

other applicable warranty

•

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

documentation deemed necessary to substantiate Your claim (this

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

and receipts)

•

The original repair estimate or repair bill, indicating cause of failure

•

Any other documentation deemed necessary by the Benefit

Administrator to substantiate the claim

All claims must be fully substantiated.

For faster filing, or to learn more about

Extended Warranty Protection, visit

www.cardbenefitservices.com

How will I be reimbursed?

If You have substantiated Your claim and met the terms and conditions

of the benefit, Your item will be replaced or repaired at the Benefit

Administrator’s discretion, but for no more than the original purchase

price of the covered item, as recorded on Your credit card receipt, less

shipping and handling fees, up to a maximum of ten thousand dollars

($10,000.00) per claim, and a maximum of fifty thousand dollars

($50,000.00) per cardholder. You will only be reimbursed up to the

amount charged to Your Account or the program limit, whichever is less.

Under normal circumstances, reimbursement will occur within five (5)

business days of the receipt and approval of all required documents.

If Your item is to be repaired, You may go to an authorized repair facility

and file a claim for reimbursement. Only valid and reasonable repairs

made at the manufacturer’s authorized repair facility are covered.

In either case, the Benefit Administrator’s payment, replacement, or repair

made in good faith will fulfill the obligation under this benefit.

Definitions

Account means Your credit or debit card Accounts.

Eligible Person means a cardholder who pays for their purchase by using

their eligible Account and/or rewards program associated with their

covered Account.

You or Your means an Eligible Person who purchase their item to their

eligible Account and/or with rewards program associated with their

covered Account.

Additional provisions for Purchase Security and Extended Protection

• Signed or pinned transactions are covered as long as You use Your

eligible card to secure the transaction.

• You shall do all things reasonable to avoid or diminish any loss

covered by this benefit. This provision will not be unreasonably

applied to avoid claims.

• If You make any claim knowing it to be false or fraudulent in any

respect, no coverage shall exist for such claim, and Your benefit may

be cancelled. Each cardholder agrees that representations regarding

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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. 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

Benefits have been complied with fully.

• This benefit is provided to eligible cardholders at no additional cost.

The terms and conditions contained in this Guide to Benefits may be

modified by subsequent endorsements. Modifications to the terms

and conditions may be provided via additional Guide to Benefits

mailings, statement inserts, statement messages or electronic

notification. The benefits described in this Guide will not apply to

cardholders whose Accounts have been suspended or cancelled.

• Termination dates may vary by financial institutions. Your financial

institution can cancel or non-renew the benefits for cardholders, and

if they do, they will notify You at least thirty (30) days in advance.

Indemnity Insurance Company of North America (“Provider”) is

the underwriter of these benefits and is solely responsible for its

administration and claims. The Benefit Administrator provides

services on behalf of the Provider.

• After the Benefit Administrator has paid Your claim, all Your rights

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

transferred to the Benefit Administrator to the extent of the payment

made to You. You must give the Benefit Administrator all assistance

as may reasonably be required to secure all rights and remedies.

• This benefit 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.

FORM #PSEPBUSINESS – 2017 (04/17) PSEP-SB

For more information about the benefit described in this guide, call the

Benefit Administrator at 1-800-397-9010, or call collect outside the

U.S. at 1-303-967-1093.

CELLULAR TELEPHONE PROTECTION

Benefit Information

What is Cell Phone Protection?

Subject to the terms and conditions provided in this Guide to Benefit,

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 fifty ($50.00) dollar deductible per claim and

a maximum of three (3) claims per twelve (12) month period. The

maximum benefit 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 Capital One Spark Business

Enhanced Visa Signature Business card and charge Your monthly cellular

wireless telephone bills to Your eligible card. Following the program

effective date set forth above, Your cellular telephone protection begins the

day following your cellular wireless telephone bill payment and remains

in effect 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, 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 benefit as well as the fifty ($50.00) 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 fifty ($50.00)

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), confiscation by the authorities, risks

of contraband, illegal activities, normal wear and tear, flood,

earthquake, radioactive contamination, or damage from inherent

product defects.

• Damage or theft resulting from mis-delivery 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.

Claim Information

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 card

statement reflecting 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 file a claim?

Call the Benefit Administrator at 1-866-894-8569 or outside the U.S.

call collect at 1-303-967-1096 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 Benefit 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.

For faster filing, or to learn more about

Cellular Telephone Protection, visit

www.cardbenefitservices.com

What do I need to submit with my claim?

• Your completed and signed claim form.

• Copies of Your card statement reflecting 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.

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

device page or other sufficient proof, as determined in the Benefit

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 filed within 48 hours of the occurrence.

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

report as the Benefit Administrator, in its sole discretion, deems

necessary to determine eligibility for coverage. In addition the Benefit

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 Benefit Administrator to evaluate the damage or

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 Benefit

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 Benefit 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 Benefit

Administrator, at its sole discretion, may choose to repair or replace the

cellular wireless telephone or reimburse the Cardholder for the lesser

of a) Six hundred ($600.00) dollars excess of the fifty ($50.00) 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 fifty ($50.00) 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 benefits 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 benefit 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 Benefit Administrator has paid your claim, all your rights and

remedies against any party in respect of this claim will be transferred to the

Benefit 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 benefit is provided to eligible Cardholders at no additional cost. The

terms and conditions contained in this Guide to Benefits may be modified

by subsequent endorsements. Modifications to the terms and conditions

may be provided via additional Guide to Benefits mailings, statement

inserts, or statement messages, or email or other secure portal messaging

vehicles. The Cellular Telephone Protection described in this Guide to

Benefits will not apply to Cardholders whose applicable card account(s)

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

Termination dates may vary by financial institutions. Capital One can

cancel or non-renew the benefit for Cardholders, and if they do, they will

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

This information is a description of the benefit 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 Benefit Administrator

provides services on behalf of the Provider.

This benefit 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)

For more information about the benefit described in this guide, call

the Benefit Administrator at 1-866-894-8569 or outside the U.S. call

collect at 1-303-967-1096.

PRICE PROTECTION

It is important for most buyers to get the best deal when purchasing a new

item, however it can be irritating when You discover that the same item

You recently purchased is being Advertised for less than what You paid for.

With Price Protection, if You buy an eligible item with Your covered

Account and/or rewards programs associated with Your covered Account

in the United States and see the identical eligible item available for less

in another retail store’s printed Advertisement or non-auction Internet

Advertisement within sixty (60) days of the Date of Purchase, You can be

reimbursed the difference up to five hundred dollars ($500.00) per item

and up to two thousand five hundred dollars ($2,500.00) a year.

You are eligible for this benefit if You are a valid cardholder of an eligible

U.S. issued card and You charge either a portion or the entire purchase

price of the eligible item to Your Account or rewards program earned on

Your covered Account toward the purchase. You will only be reimbursed up

to the amount charged to Your Account or the program limit.

Price Protection is secondary to and in excess of store policies

offering a lowest-price guarantee or any other form of refund for

price differences. Only items Advertised by authorized dealers in the

United States apply. Price differences involving manufacturing and/or

merchant rebates, shipping and handling fees, and sales tax, if any, are

not covered by the Price Protection benefit.

How does it work?

1. Use Your eligible Account and/or rewards programs associated with

Your covered Account to purchase the eligible item. Be sure to save

all original receipts; both Your Account paperwork and the itemized

store receipt.

2. If You see the identical product by the same manufacturer

Advertised for a lower retail price within sixty (60) days of Your

purchase, keep the original printed Advertisement and make sure

the Advertisement includes:

• A description of the item that is identical to the one You purchased

• The sale price

• The store or dealer’s name

• A sale date(s) effective within sixty (60) days of the Date of Purchase

What isn’t covered?

• Internet Auction Advertisements including but not limited to sites

such as eBay, Ubid, Yahoo and public or private live auction sites.

• Advertisements of cash-only sales, close-out sales, flea markets, fire

sales, going-out-of-business sales, limited-quantity promotions or

liquidation sales.

• Advertisements of sales of seasonal or discontinued items including,

but not limited to, holiday decorations.

• Animals and living plants.

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

motors, equipment, or accessories.

• Cell phone service agreements and cell phone contracts.

• Items purchased for resale, professional, or commercial use.

• Jewelry, antiques, and collectible items, rate or one-of-a-kind items,

special order items, custom items, or tailored items.

• Manufacturer and/or merchant rebates.

• Perishables, services, consumables, and limited-life items including,

but not limited to, rechargeable batteries.

• Real estate and items which are intended to become part of real

estate including, but not limited to, items that are hard-wired or

hard-plumbed, garage doors, garage door openers, and ceiling fans.

• Traveler’s checks, cash, tickets, credit or debit cards, and any other

negotiable instruments.

• Items purchased outside of the United States.

• Items that are previously owned, sold “as is,” and/or refurbished.

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How to File a Price Protection Claim

1. Notify the Benefit Administrator within ten (10) days of the printed

Advertisement showing Your product at a lower price at 1-800-

553-7520, or oustide the U.S. call collect at 1-303-967-1096. The

Benefit Administrator will answer any questions You may have and

send You a claim form.

2. Return the claim form and the requested documentation below within

twenty (20) days of contacting the Benefit Administrator. Send all

information to the address provided by the Benefit Administrator.

Please submit the following documents

• The completed signed claim form

• The original itemized sales receipt for Your purchase or original

packing slip in the case of mail order purchases

• A copy of Your monthly billing statement (showing the last four [4]

digits of the Account number) demonstrating that the purchase was

made on Your covered Account.

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

documentation as to additional currency, voucher, points or any other

payment method utilized.

• Any other documentation deemed necessary by the Benefit

Administrator to substantiate the claim

• The original printed Advertisement or print out from a non-auction

Internet site showing the item with its sale date and/or date of the

Advertisement, lower Advertised price, and advertising store name to:

Card Benefit Services

P.O. Box 110889

Nashville, TN 37222

For faster filing, or to learn more about Price Protection, visit

www.cardbenefitservices.com

Definitions

Account means Your credit or debit card Accounts.

Advertised or Advertisements means an Advertisement printed in a

newspaper, journal, magazine, or flyer or items Advertised on a non-Auction

internet site, distributed in the United States to the general public and

placed by a manufacturer or authorized dealer of the consumer product

in the United States. The advertisement must provide information stating

the same manufacturer and model number of the item purchased.

Advertisements that are cut down or altered in any way will not be

accepted; therefore, any Advertisements, catalogs, etc. must be submitted

in whole with date verification. The only exception is Advertisements

in magazines and newspapers. In these cases, it’s not necessary to

submit the whole publication; only the whole page or pages in which the

Advertisement appears, with the date and name of the publication, is

required. Advertisements posted on the Internet, by a non-Auction Internet

merchant with a valid tax identification number, are also eligible. The

advertisement must provide information stating the same manufacturer

and model number of the item purchased. The printed version of the

non-Auction internet advertisement must include the merchant’s Internet

address and customer service telephone number, as well as the item,

including manufacturer, model number, sale price, and date of publication.

Date of Purchase means the date You paid for and received the item, or the

date of delivery and personal acceptance of the item, whichever is later.

Eligible Person means a cardholder who pays for their purchase by using

their eligible Account and/or with rewards programs associated with their

covered Account.

You or Your means an Eligible Person who used their eligible Account to

purchase the item and/or with rewards programs associated with their

covered Account.

Additional Provisions for Price Protection

• Signed or pinned transactions are covered as long as You use Your

eligible Account to secure the transaction.

• You shall do all things reasonable to avoid or diminish any loss

covered by this benefit. This provision will not be unreasonably

applied to avoid claims.

• If You make any claim knowing it to be false or fraudulent in any

respect, no coverage shall exist for such claim, and Your benefit may

be cancelled. Each cardholder agrees that representations regarding

claims will be accurate and complete. Any and all relevant provisions

shall be void in any case of fraud, intentional concealment, or

misrepresentation of material fact.

• No legal action for a claim may be brought against 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

Benefits have been complied with fully.

• This benefit is provided to eligible cardholders at no additional cost.

The terms and conditions contained in this Guide to Benefits may be

modified by subsequent endorsements. Modifications to the terms and

conditions may be provided via additional Guide to Benefits mailings,

statement inserts, statement messages or electronic notification.

The benefits described in this Guide to Benefits will not apply to

cardholders whose Accounts have been suspended or cancelled.

• Termination dates may vary by financial institutions. Your financial

institution can cancel or non-renew the benefits for cardholders, and if

they do, they will notify You at least thirty (30) days in advance. Indemnity

Insurance Company of North America (“Provider”) is the underwriter of

these benefits and is solely responsible for its administration and claims.

The Benefit Administrator provides services on behalf of the Provider.