Cardholder perks

Overview

For more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard: 1-800-627-8372, or en Espanol: 1-800-633-4466. “Card” refers to World Elite Mastercard® card and “Cardholder” refers to a World Elite Mastercard® cardholder. Please take a few minutes to familiarize yourself with the benefits of this program. You may also want to make a photocopy to take with you when traveling. This Guide applies to travel and retail purchases made on or after December 22, 2020 and supersedes any previous Guide or program. The benefits below are subject to Issuer participation. Please check with your card issuing financial institution to see if you are enrolled.

Key Terms

Throughout this document, You and Your refer to the Cardholder or Authorized User of the Covered Card and the words “we,” “us” and “our” mean Mastercard. In addition, bold terms that are not otherwise defined in this document shall have the meanings set forth below.

Account Holder means a person to whom an Eligible Account is issued and who holds an Eligible Account under his or her name.
Authorized User means a person who is recorded as an Authorized User of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.
Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing.
Covered Card means the Mastercard® card linked to your Eligible Account.
Eligible Account means the account associated with the Cardholder’s U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for the benefits covered hereunder.
Issuer means your card issuing financial institution.
Small Business Card means Mastercard Small Business debit, Mastercard Small Business credit and/or eligible Mastercard-branded Small Business prepaid cards.
Stolen means items that are taken by force and/or under duress or the disappearance of the item from a known place under circumstances that would indicate the probability of theft.
United States Dollars (USD) means the currency of the United States of America.

Mastercard Merchant Offers

Program Description

Enjoy exclusive offers with popular brands that provide experiential, travel, and everyday value.

Eligibility

To be eligible for these offers, you must be a Cardholder who holds an eligible Covered Card issued by a U.S. financial institution.

How to Use the Offers

Visit www.mastercard.us/businessoffers for information on how to avail the offers.

Terms & Conditions

Visit www.mastercard.us/businessoffers for a full list of current digital merchant offers and applicable terms & conditions.

Mastercard Business Assistant

Mastercard® Business World Elite offers you the Mastercard Business Assistant Service. Imagine your own Assistant 24 x 7 x 365, where knowledgeable experts can assist with all your business needs, whenever you need it. This provides robust, personalized features that will save you time and simplify your busy day, such as:

Local experts who can provide on-site assistance with everyday business needs like helping identify the best location for a client meeting or installing a new printer.
Reminder service for those dates or events that you can’t afford to miss. Let the Mastercard Business Assistant assist you today, so you can get back to business! Mastercard service experts look forward to assisting you at 1-844-281-5031.

Mastercard ID Theft Protection™ (IDT)

Program Description

Mastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information. It also provides you with resolution services should you find yourself a victim of identity theft.

Eligibility

All Mastercard small business Cardholders in the U.S. are eligible for this coverage. Enrollment is required.

Service Provider

ID Theft Protection is provided by Generali Global Assistance, Inc. More information about this service provider is available at: https://mastercardus.idprotectiononline.com/.

Access

To receive ID Theft Protection, you must enroll at: https://mastercardus.idprotectiononline.com/. ID Theft Protection is provided on a 24-hour basis, 365 days a year. Contact 1-800-Mastercard if you believe you have been a victim of identity theft.

Charges

There is no charge for ID Theft Protection, it is provided by your Issuer.

Program Provisions for Mastercard ID Theft Protection

To receive ID Theft Protection, you must enroll as described above and such benefits related to ID Theft Protection accrue as of the date of enrollment. Mastercard ID Theft Protection is governed by the terms provided in this Guide to Benefits and the Terms and Conditions and Terms of Service available at: https://mastercardus.idprotectiononline.com/. The terms and conditions contained in this Guide to Benefits may be modified by subsequent mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the provider non-renews or cancels any services provided to eligible Mastercard Cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar service takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-800-Mastercard or please see https://mastercardus.idprotectiononline.com/.

ID Theft Protection Services Provided

1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS

Personally Identifiable Information (PII)

Compromised Credentials monitors for a combination of email address /username /password /security questions located within:

Hacker account dump sites
Hacktivist forums
Data leaks
Malware logs

Alerts are sent with event details, also listed within resolution console and most often includes source of breach (from where the data was harvested). High-Risk Transactions monitors a Cardholder’s high-risk transactions with more than 300 of the nation’s largest companies to uncover and thwart account takeover attempts. Knowledge-Based Authentication (questions only an individual should know about themselves such as what street they lived on in 2009) used by organizations across industries limits the risk of identity theft or account takeover. Alerts are sent when a series of knowledge-based authentication questions are generated to validate the Cardholder’s identity (i.e. when accessing a credit report). Monitored transactions include:

Credit cards
Bank accounts
Brokerage accounts
Healthcare portals
Workplace intranets
Other services (e.g. peer-to-peer fund transfers)

Dark Web Monitoring provides monitoring of underground webpages people can visit without third parties being able to trace the location of the web visitors or the webpage publisher. Dark web sites make up about .01% of the Internet and are intentionally hidden or protected by encryption technologies and not accessible via standard web browsers. Credit Information Single Bureau Credit Monitoring monitors a Cardholder’s TransUnion credit file for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. In order to use this service, Cardholders must provide some personal information, such as name, address, date of birth, and SSN, and undergo either digital verification via text or knowledge-based authentication. ID Theft Protection sends alert notification emails, such as change of address alerts, anytime potentially unauthorized inquiries or suspicious activities on Cardholder’s credit file are detected so they can take immediate action to minimize damage. Additional Information Small Business ID Theft Protection upgrades ID Theft Protection identity monitoring services by adding URL and Domain monitoring to the existing list of monitored items. URL and Domain monitoring searches for the Cardholder’s business URL and domain (limited to 10 domains) within corporate data breaches, malicious third-party botnets and criminal forums. 2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY

Email Addresses
Debit/Credit Cards
Loyalty/Affinity Cards
Bank Account Numbers
Passport Numbers
Medical and Vehicle Insurance Cards
Driver’s Licenses
National Identity Numbers/Social Security Numbers
New Lines of Credit
Address Changes

3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE RESOLUTION OR SPECIALIST SUPPORT

Self-Service ID Theft Resolution Kit is a self-service resolution document which informs Cardholders of the different forms of ID theft, and how to resolve each situation. Resolution tools in the kit include preventive measures, step-by-step guides and sample letters to be sent to collection agencies. Access to Resolutions Specialists which assigns a personal case manager to help take care of everything. Self-Service ID Theft Wizard provides step-by-step advice for many identity theft scenarios that Cardholders may face. All ID Theft Protection users have access to the Identity Theft Protection Kit found in the Profile section of their portal, which explains the many forms of identity theft and provides protective measures anyone can take to limit their risk. The kit also contains a Federal Trade Commission sample affidavit form, as well as sample letter templates for filing disputes in cases of identity theft or fraud. Online Fraud Alerts allow Cardholders to place a statement on their credit report that instructs lenders to contact the Cardholder before issuing new credit. This makes it more difficult for an identity thief to open new accounts in their name. When Cardholders place a fraud alert with one bureau, the other two bureaus are informed, and the alert is then placed on all three bureau files. Fraud alert placement is free, and alerts stay on the Cardholder credit files for one year.

Mastercard Global Service™

Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting and Emergency Card Replacement. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account. In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

Australia	1-800-120-113
Austria	0800-070-6138
France	0-800-90-1387
Germany	0800-071-3542
Hungary	06800-12517
Ireland	1-800-55-7378
Italy	800-870-866
Mexico	001-800-307-7309
Netherlands	0800-022-5821
Poland	0-0800-111-1211
Portugal	800-8-11-272
Spain	900-822-756
United Kingdom	0800-96-4767
Virgin Islands	1-800-307-7309

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at www.mastercard.com or call the United States collect at 1-636-722-7111.

Account Information and Card Benefits

When in the United States, contact your card Issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access your card Issuer for account information or to access any of your card benefits.

ATM Locations

Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit our website at www.mastercard.com to use our ATM locator. You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

MasterRental Insurance Coverage

Additional Key Terms: In addition to the Key Terms set forth above, in this MasterRental Insurance Coverage section, We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company. Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator can be reached by phone at 1-800-Mastercard. Authorized Driver(s) means a driver with a valid driver’s license issued from their state of residence and indicated on the Rental Agreement. Damage means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures. Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms (as supplemented or modified by the Additional Key Terms), and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms (as supplemented or modified by the Additional Key Terms) or Legal Disclosures are not a part of your coverage. Rental Agreement means the entire agreement or contract that you receive when renting a Vehicle from a Vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties thereunder. Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that are designed to accommodate less than nine (9) passengers.

Evidence of Coverage

Pursuant to the below terms and conditions, when you rent a Vehicle for thirty-one (31) consecutive days or less with your Covered Card, you are eligible for benefits under this coverage. Refer to Key Terms (as supplemented or modified by the Additional Key Terms) for the definitions of you, your, we, us, our, and words that appear in bold and Legal Disclosures.

A. To get coverage:

You must initiate and then pay for the entire Rental Agreement (tax, gasoline, and airport fees are not considered rental charges) with your Covered Card and/or the accumulated points from your Covered Card at the time the Vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental Vehicle, at least one (1) full day of rental must be billed to your Covered Card. You must decline the optional collision/Damage waiver (or similar coverage) offered by the rental company. You must rent the Vehicle in your own name and sign the Rental Agreement. Your Rental Agreement must be for a rental period of no more than thirty-one (31) consecutive days. Rental periods that exceed or are intended to exceed thirty-one (31) consecutive days are not covered.

B. The kind of coverage you receive:

We will pay for the following on a primary basis:

Physical Damage and theft of the Vehicle, not to exceed the limits outlined below.
Reasonable loss of use charges imposed by the Vehicle rental company for the period of time the rental Vehicle is out of service. Loss of use charges must be substantiated by a location and class-specific fleet utilization log.
Towing charges to the nearest collision repair facility.
Theft or Damage to personal effects in transit in the rental Vehicle or in any building en route during a trip using the rental Vehicle. You must first file under other applicable insurance (e.g., home or business), and then we’ll cover whatever is not covered by your insurance under our Secondary Personal Effects Insurance. Maximum coverage per rental period is $1,000 per covered person, per occurrence. The total benefits per rental period cannot exceed $2,000.

This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for any Damages to other Vehicles or property. It does not cover you for any injury to any party.

C. Coordination of benefits:

When MasterRental is provided on a secondary basis and a covered loss has occurred, the order in which benefits are determined is as follows:

You or an Authorized Driver’s primary auto insurance;
Collision/Damage waiver provided to you by the rental agency;
Any other collectible insurance;
The coverage provided under this EOC.

If you or an Authorized Driver’s primary auto insurance or other coverage has made payments for a covered loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the other insurance. Note: In certain parts of the United States and Canada, losses to rental Vehicles that are covered by your personal Vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Contact your insurance provider for full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).

If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, coverage is considered primary coverage.

D. Who is covered:

The Covered Card Cardholder and those designated in the Rental Agreement as Authorized Drivers.

E. Excluded rental vehicles:

All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), cargo vans, campers, off-road Vehicles, and other recreational Vehicles.
All sport utility trucks. These are Vehicles that have been, or can be converted to an open, flatbed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
Trailers, motorbikes, motorcycles, and any other Vehicle having fewer than four (4) wheels.
Antique Vehicles (Vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.

F. Where you are covered:

Coverage is available worldwide. Coverage is not available in countries where:

This EOC is prohibited by that country’s law; or
The terms of the EOC are in conflict with the laws of that country.

G. Coverage limitations:

We will pay the lesser of the following:

The actual repair amount;
Wholesale market value less salvage and depreciation;
The rental agency’s purchase invoice less salvage and depreciation.

In addition, coverage is limited to $500 USD per incident for reasonable loss of use charges imposed by the Vehicle rental company for the period of time the rental Vehicle is out of service. We will not pay for or duplicate the collision/Damage waiver coverage offered by the rental agency.

H. What is NOT covered:

Any personal item Stolen from the interior or exterior of rental Vehicles.
Vehicle keys or portable Global Positioning Systems (GPS).
Vehicles not rented by the Cardholder or Authorized User on the Covered Card.
Any person not designated in the Rental Agreement as an Authorized Driver.
Any obligations you assume other than what is specifically covered under the Rental Agreement or your primary Vehicle insurance or other indemnity policy.
Any violation of the written terms and conditions of the Rental Agreement.
Any loss that occurs while driving under the influence of drugs or alcohol.
Any loss associated with racing or reckless driving.
Losses involving the theft of the rental Vehicle when you or an Authorized Driver cannot produce the keys to the rental Vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.
Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
Subsequent Damages resulting from a failure to protect the rental Vehicle from further Damage.
Blowouts or tire/rim Damage that is not caused by theft or vandalism or is not a result of a Vehicle collision causing tire or rim Damage.
Rental Vehicles where collision/Damage waiver coverage (or similar coverage) was accepted/purchased by you.
Any Damage that is of an intentional or non-accidental nature, caused by you or an Authorized Driver of the rental Vehicle.
Depreciation, diminishment of value, administrative, storage, or other fees charged by the Vehicle rental company.
Vehicles with a Rental Agreement that exceeds or is intended to exceed a rental period of thirty-one (31) consecutive days from a rental agency.
Losses resulting from any kind of illegal activity.
Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
Damage sustained on any road not regularly maintained by a municipal, state, or federal entity.
Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or Damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
Any loss involving the rental Vehicle being used for hire, for commercial use, or as a public or livery conveyance.
Theft of, or Damage to, unlocked or unsecured Vehicles.
Value-added tax, or similar tax, unless reimbursement of such tax is required by law.

I. How to file a claim:

Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim within sixty (60) days of the loss or the claim may not be honored.
You may choose to assign your benefits under this insurance program to the rental agency from which you rented your Vehicle. Please contact us or our designated representative for further details.
Submit the following documentation within one hundred and eighty (180) days of the incident or the claim may not be honored:
- Receipt showing the Vehicle rental.
- Statement showing the Vehicle rental.
- The Rental Agreement (front and back).
- Copy of Your valid driver’s license (front and back).
- Copy of the declarations page of any primary Vehicle insurance and other valid insurance or coverage.
- Police report when the Vehicle is Stolen, vandalized (regardless of the Damage), or involved in a collision that requires the Vehicle to be towed, in a multi-vehicle collision, or the Vehicle is not drivable.
- Itemized repair estimate from a factory authorized collision repair facility.
- Copy of the Vehicle rental company promotion/discount, if applicable.
- Copy of the Vehicle rental location class-specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
- Any other documentation that may be reasonably requested by us or our Administrator to validate a claim.

MasterRental Legal Disclosure

This MasterRental Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the Account Holder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility). The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company. This MasterRental Guide to Benefits is a summary of benefits provided to you. The above Key Terms (as supplemented or modified by the Additional Key Terms) and EOC are governed by the Group Policy. Effective date of benefits: Effective October 27, 2020, this MasterRental Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes. Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all Cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to the Cardholder whose cards are issued by U.S. financial institutions. The United States for purposes of this section is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the Cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and Damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim Administrator for these benefits. Misrepresentation and Fraud: Benefits shall be void if the Cardholder has concealed or misrepresented any material facts concerning this coverage. Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved dispute concerning this EOC (including the cost of, lack of, or actual repair or replacement arising from a loss or breakdown). Under this Arbitration provision, You give up your right to resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law. To start arbitration, the disputing party must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the arbitration will take place in the county and state in which you live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (www.adr.org) will apply to any arbitration under this EOC. The laws of the state of New York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, construction, performance and enforcement of this EOC. Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or Damage to the property insured under these programs. “Due diligence” means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item. Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or Cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the Cardholder. Salvage: If an item is not repairable, the claim Administrator may request that the Cardholder or gift recipient send the item to the Administrator for salvage at the Cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim Administrator may result in denial of the claim. Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language. Non-Contribution: In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies. Severability of Provisions: If in the future any one or more of the provisions of this MasterRental Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable. Benefits listed in this MasterRental Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this MasterRental Guide to Benefits does not guarantee coverage or coverage availability. This MasterRental Guide to Benefits is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an Issuer’s, or Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.

Mastercard Travel and Lifestyle Services

As a World Elite Mastercard® Cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more*. Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. As a Mastercard® Cardholder, you have access to a lifestyle concierge that will help you plan your vacation – complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay Guarantee*** which deliver value and peace of mind. * Travel & Lifestyle Services are provided by a third party. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services. ** Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid’ rate or ‘postpaid’ rate hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund you must submit a claim as described in the Terms & Conditions (available at https://travel.mastercard.com/product/ terms) prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in. *** Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple – if you book your three-star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Mastercard Travel and Lifestyle Services toll-free (US): 1-855-802-1387 during your stay and a lifestyle concierge will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations. Certain terms, conditions and exclusions apply. This benefit may be subject to change without prior notice. Please visit https:// travel.mastercard.com/product/terms for the latest benefit information and terms & conditions.

Mastercard Easy Savings® Program

Mastercard is providing these Mastercard Easy Savings® Program - Terms and Conditions (“Terms and Conditions”) with respect to your U.S. Mastercard small business signature debit, prepaid, or credit card (each, a “Small Business Card”) and/ or U.S. Mastercard Multi Card card, Mastercard Purchase Card card, and/or Mastercard Corporate Card (each, a “Commercial Card”). Upon receipt or affirmative acceptance of these Terms and Conditions, you hereby accept the Terms and Conditions for the applicable Mastercard Easy Savings® Program - U.S. Small Business and/or the Mastercard Easy Savings® Program - U.S. Commercial (each, as applicable, the “Program”). You further accept these Terms and Conditions and ratify this acceptance by using, receiving or accepting any benefit of a rebate under the Program. If you do not wish to participate in the Program, please contact your Issuer. These Terms and Conditions set forth the terms applicable to your use of the Program. The Program provides you with automatic rebates on eligible purchases from participating merchants in the United States if you use an eligible, enrolled Mastercard Small Business Card or Commercial Card. Please read these Terms and Conditions carefully and keep them for your records. In these Terms and Conditions, “Program Website” means www.easysavings.com for the Mastercard Easy Savings® Program – U.S. Small Business or www.easysavings.com/commercial for the Mastercard Easy Savings® Program – U.S. Commercial (or such other websites). Participation: For Mastercard Easy Savings® Program – U.S. Small Business only: If you have been notified by the Issuer of your Mastercard Small Business Card that your Mastercard Small Business Card has been automatically enrolled in the Program, you may participate in the Program effective as of the date indicated in the notification from the Issuer. If you have been notified by the Issuer of your Mastercard Commercial Card that your Mastercard Commercial Card has been enrolled in the Program, you may participate in the Program immediately. The Program is available only to Cardholders using eligible, enrolled Small Business Cards or Commercial Cards, as applicable, issued by a United States financial institution. You must be enrolled in the Program prior to using a Covered Card at a Merchant, as defined below, or to receive the rebate benefits of the Program. If you access the Program Website or use the Program, you also accept the Terms and Conditions as posted on the Program Website. Your Data: You agree to the terms of the Program’s privacy notice as posted on the Program Website which may be amended from time to time. You acknowledge and agree that your Issuer and Mastercard may share and use data regarding you, your personnel and such Card usage with each other and with third parties, such as Merchants and service providers, to operate the Program and for internal operational purposes, including, but not limited to, sending you and your personnel emails regarding the Program. Merchant Offers: Merchants that are participating in the Program (“Merchant(s)”) may provide offers for rebates on purchases of goods or services (“Offers”) at participating Merchant locations for Covered Cards. The amount of any rebate and other terms and conditions applicable to a rebate will be determined by the Merchant, and are subject to change at any time and without notice. Please refer to any disclosures provided by your Issuer and the Program Website for any details on any Offer terms and conditions. Offers may be redeemed only at participating Merchant locations. See the Program Website for the latest information on available Offers. Certain issuing banks may restrict your access to: (i) or the ability to make purchases from, certain Merchants; (ii) certain Offers; or (iii) certain elements of the Program for other purposes. Please refer to the Offer details provided by your issuing bank, the Program Website, and/or the Offer details below for the latest information on available offers. Offer Acceptance: When you purchase goods or services using a Covered Card from a participating Merchant, you will receive a rebate on your purchase, subject to any terms and conditions of the Offer and provided that the purchase transaction: (a) originated in the United States, (b) is authorized, settled and cleared through the Mastercard Global Clearance and Processing System, and (c) is not a PIN-based transaction. The rebate will not appear on your receipt at the point of sale. The form of the rebate may be a credit to your Covered Card account or the rebate may be in another form, as determined by your Issuer. If a rebate is credited to your Covered Card account, please note that it might not appear on the same statement as the related purchase. There may be a delay of up to one statement cycle in crediting a rebate. Please note that rebates will be based on the standard currency related to your Covered Card. Reversals: All or a portion of a rebate may be reversed in certain circumstances, including without limitation, upon a return, dispute, adjustment, or fraudulent card activity. Disclaimer of Liability: Mastercard’s role under the Program is limited to processing information regarding Offers on behalf of Merchants and the Issuer. Mastercard is not responsible for any Offers or rebates, your ability to use Offers or rebates, the crediting of any rebates to your Card account, reversals of Offers or rebates, accuracy or completeness of information about Offers or rebates, or any acts or omissions of the Issuer or Merchants. Mastercard provides the Program on an “AS IS” basis, and Mastercard disclaims any and all warranties, including without limitation, any warranties of merchantability or fitness for a particular purpose, except as required by applicable law. Mastercard is not liable to you for any damages that you suffer in connection with your participation in the Program, unless the damage results directly from Mastercard’s failure to perform the express obligations under these Terms and Conditions. Mastercard and its affiliates, its respective directors, officers, employees, agents, and successors and assigns, are not responsible, and shall not be liable for, any direct, indirect, special, incidental, or consequential damages (including lost profits). Without limiting the foregoing, Mastercard is not responsible for any card account fees or penalties that you incur on your card, including fees and penalties that may result from rebate reversals. Any tax liability resulting from your participation in the Program shall be your sole responsibility, and not Mastercard’s responsibility or the responsibility of any Merchant or the Issuer. Merchants or the Issuer may report information regarding the Program and your participation in it to tax authorities. Merchants and the Issuer may not vary these Terms and Conditions as applied to the relationship between you and Mastercard and may not make any commitments that are binding on Mastercard. Termination: You may terminate your participation in the Program at any time by notifying your Issuer. There may be a delay of up to 30 days in effecting such termination, and reversals or adjustments of rebates may continue after termination, as determined in Mastercard’s discretion. Mastercard or your Issuer may terminate your participation in the Program at any time, without notice unless required by law. Mastercard reserves the right to add or terminate any participating Merchant or any Offer without notice. Any terms, which by their nature should survive the termination of these Terms and Conditions, shall survive. Change of Terms: Mastercard can add to, delete from, or change (each, a “change”) the terms of these Terms and Conditions and/or the Program at any time. Mastercard will notify you of changes by posting the revised terms and conditions on the Program Website. Questions Regarding the Program: You should direct any questions related to the Program, Offers, any Program restrictions, or rebates to your Issuer. Disputes: Any disputes regarding Offers or rebates, or your ability to participate or receive them, may be determined by Mastercard, by your Issuer, or Merchants. That resolution will be final and binding on you. Additional Terms: Your Issuer and Merchants may impose additional terms on your participation in the Program. These Terms and Conditions are in addition to, and do not amend or replace, your card agreement with your Issuer. Miscellaneous: These Terms and Conditions will be governed by the laws of New York State, without regard to conflict of law principles. Any dispute arising out of or in connection with the interpretation or performance of these Terms and Conditions, that is not settled in accordance with the section of these Terms and Conditions entitled “Disputes”, shall be finally settled by the Courts located in the City and State of New York, which shall have exclusive jurisdiction. YOU AND Mastercard HEREBY WAIVE ANY RIGHT TO A JURY TRIAL. You may not assign your rights under these Terms and Conditions. Mastercard may assign its rights and obligations at any time. The invalidity of any provision of these Terms and Conditions will not affect the validity of the remaining portions. Any waiver by Mastercard of its rights under these Terms and Conditions is binding only if in a writing signed by Mastercard. The use of your Issuer and Merchant names and logos in the Program is by permission only. – Participating Merchants Offer Details: Restrictions, conditions, and limitations apply. Visit the Merchant detail pages at www.easysavings.com for more details. Mastercard Easy Savings® Program for Commercial – Participating Merchants Offer Details: Restrictions, conditions, and limitations apply. Visit the Merchant detail pages at www.easysavings.com/commercial for more details. © Mastercard, Mastercard Easy Savings Program, Mastercard Easy Savings Program for Commercial and the Mastercard brand marks are registered trademarks of Mastercard International Incorporated. All third-party product and service names referenced herein are trademarks of their respective owners.

Account and Billing Information

Important: Contact your Issuer directly for questions concerning your account, such as account balance, credit line, billing inquiries (including transaction exchange rates), merchant disputes, or information about additional services not described in this Guide. Your financial institution’s phone number should be available on your monthly billing statement or on the back of your card. Reminder: Please refer to the

Legal Disclosure

Effective date of benefits: Effective October 27, 2020, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable. Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or availability. This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an Issuer’s, or the Mastercard actual offerings, such master policies or actual offerings shall control. Provision of services is subject to availability and applicable legal restrictions.

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