This benefit and description supersedes any benefit and description you may have received earlier.
Please read and retain for your records.
What is the effective date?
This benefit is effective for eligible purchases made as of the date of
c
ard enrollment through date of card expiration that is embossed
on the card.
W
hat is this Purchase Security benefit?
Subject to the Benefit Limits and within the first ninety (90) days
o
f the date of purchase, Purchase Security will, at the Benefit
Administrator’s discretion, replace, repair, or fully reimburse you
f
or the amount debited from your Visa card for eligible items of
personal property purchased with the Visa card in the event of
t
heft, or damage caused by the Eligible Events.
What are the benefit limits?
Each claim is subject to the maximum of the amount debited from
the card or five hundred dollars ($500.00), whichever is lower.
The maximum benefits payable per calendar year is one thousand
dollars ($1,000.00). Purchase Security is supplemental to, and
excess of, any valid and collectible insurance and reimbursement
from any other source.
Who is eligible for this benefit?
To be eligible for this benefit, you must be a cardholder of an eligible
U.S.-issued Visa card. Only purchases made by the eligible cardholder
will be covered.
What items are covered by Purchase Security?
Your eligible purchases are protected against damage due to
the following Eligible Events:
•
Fire, smoke, lightning, explosion, riot, or vandalism.
•
Windstorm, hail, rain, sleet, or snow.
•
Aircraft, spacecraft, or other vehicles.
•
Theft (except from autos or motorized vehicles).
•
Accidental discharge of water or steam from household plumbing.
•
Sudden accidental damage from electric current. (This benefit
does not apply to electronic components.)
What items are not covered?
•
Animals and living plants.
•
Antiques and collectible items.
•
Boats, aircraft, automobiles, and any other motorized vehicle and
their motors, equipment, or accessories including trailers and other
items that can be towed by or attached to any motorized vehicle.
•
Broken items, unless damage is the result of a covered occurrence.
•
Computer software.
•
Items damaged as a result of weather other than lightning, wind,
hail, rain, sleet, or snow.
•
Items purchased for resale, professional, or commercial use.
•
Items stolen from automobiles and other vehicles, or
common carriers.
•
Items that are lost or that mysteriously disappear. “Mysterious
Disappearance” means the vanishing of an item in an unexplained
manner where there is an absence of evidence of a wrongful act
by a person or persons.
•
Items under the care and control of a common carrier (including
U.S. Postal Service, airplanes, or delivery service).
•
Items including, but not limited to, jewelry and watches from
baggage unless hand-carried and under your personal supervision,
or under the supervision of your traveling companion who is
previously known to you.
•
Theft or damage resulting from abuse, fraud, hostilities of any kind
(including, but not limited to, war, invasion, rebellion, insurrection,
or terrorist activities), confiscation by the authorities, risks of contra-
band, illegal activities, normal wear and tear, flood, earthquake,
radioactive contamination, ordamage from inherent product defects.
•
Theft or damage resulting from misdelivery or voluntary parting
with property.
•
M
edical equipment.
•
Perishables, consumables including, but not limited to, perfumes
and cosmetics, and limited-life items such as 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.
• Rented or leased items, or items purchased on an installment
p
lan and for which the entire purchase price was not paid in full
at the time of the occurrence.
• Traveler's checks, cash, tickets, credit or debit cards, and any
o
ther negotiable instruments.
• Used or pre-owned items.
Are gifts covered?
Yes, as long as you, the eligible cardholder, purchased the gift with
your eligible Visa card and it meets the terms and conditions of
the applicable benefit.
Are purchases made outside the U.S. covered?
Yes, as long as you, the eligible cardholder, purchased the item with
your Visa card and the eligible item meets the terms and conditions
of the benefit.
Do I need to register my purchases?
No. Your eligible purchases are automatically covered.
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 Visa
card receipt and your store receipt that clearly identifies that the
eligible purchase was made using the Visa card.
How do I file a claim?
Call the Benefit Administrator at 1-800-553-4820 (or call collect
410-581-9994) within sixty (60) days of theft or damage. Please
note: if you do not give such notice within sixty (60) days after the
theft or damage your claim may be denied. The 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 theft or damage.
Gift recipients of eligible items may also handle the claim process
if you wish. However, the gift recipient must provide all of the
documents necessary to fully substantiate the claim.
What documents do I need to submit with my claim?
•
Your completed and signed claim form.
•
Your Visa card receipt.
•
Your Visa statement and/or a photocopy of the front of your
Visa card.
•
The itemized store receipt that clearly identifies that the eligible
item was purchased using the Visa card.
•
A police report [made within forty-eight (48) hours of the
occurrence in the case of theft], fire, insurance claim, or loss report,
or other report sufficient to determine eligibility for benefits.
•
A copy of your insurance declaration page, when applicable.
•
Any other documentation deemed necessary to substantiate
your claim.
•
Documentation (if available) of any other settlement of the
theft or damage.
All claims must be fully substantiated as to the time, place, cause,
and amount of damage or theft. In most cases you will be asked to
send in, at your expense, the damaged item to substantiate a claim.
Retain theiteminthe event it is requested by theBenefit Administrator.
(Continued on next page)
NOTE: This is a sample of one of the benefits you receive from your Visa card. Benefits, providers, and coverage levels
may vary from issuer to issuer. Please contact your Visa card issuer to request your full disclosure guide to benefits.
Your Visa Card Guide to Benefit
Purchase Security
For questions about your account, balance, or rewards points please call the customer service number on your Visa statement.
T
his Guide to Benefit describes the benefit in effect as of 4/1/11. This benefit and description supersedes any prior benefit
a
nd description you may have received earlier. Please read and retain for your records. Your eligibility is determined by the
date your financial institution enrolled your account in the benefit.