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Guide to Benefits for Wells Fargo Propel American Express® Card

Table of Contents

Your Guide to Benefits describes the benefits in effect as of 09/01/2022. Benefits information in this guide replaces any prior benefits information you may have received. Please read this guide in its entirety and retain for Your records. While you may not be eligible for coverage of losses under one benefit, you may qualify for coverage under a different benefit. Your eligibility is determined by your financial institution.

For questions about Your account, balance, or rewards points, please call the customer service number on Your credit card statement or on the back of Your card.

  • Cellular Telephone Protection


    What is Covered

    This coverage reimburses You for the cost to repair or replace the Cell Phone in the event it is Damaged, Stolen, or is unrecoverable due to Involuntary and Accidental Parting. Cracked screens, cosmetic damage or scratches that do not impact the Cell Phone’s capabilities or functionality are not covered.

    To be eligible for coverage, the following must occur:

    • You must pay the monthly Wireless Bill using Your Covered Card; and
    • Wireless Bill charge must post to the Covered Card Account the month immediately preceding the occurrence of the Cell Phone being Damaged, Stolen, or unrecoverable due to Involuntary and Accidental Parting.

    Coverage is provided for all Cell Phones with lines that appear on the Wireless Bill.

    How Long are You Covered

    Coverage starts the first day of the calendar month following the posting of the Wireless Bill charge to the Covered Card Account.

    If You fail to make a payment of the Wireless Bill with the Covered Card in a particular month:

    • Coverage is suspended beginning the first day of the calendar month following the month in which a charge of the Wireless Bill is not posted to the Covered Card Account; and
    • Coverage resumes on the first day of the calendar month following the date of any future posting of a charge of the Wireless Bill to the Covered Card Account.

    Deductible

    The amount of $25 per claim will be deducted from the amount reimbursed for the repair or replacement of the Cell Phone.

    Maximum Coverage per Cell Phone

    Coverage is limited to the lesser of the following:

    • The cost to repair the Cell Phone, less the deductible.
    • The cost to replace the Cell Phone with similar features and functionality at the current market value at time of loss, less the deductible.
    • $600 per claim.

    Maximum Coverage per Covered Card

    Coverage is limited to:

    • A maximum of 2 paid claims per 12 month period.
    • $1,200 per 12 month period.

    Coverage 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, We will provide coverage
    subject to the terms, conditions, exclusions, and coverage limits of this benefit.

    Definitions

    • Account means a Wells Fargo Bank, N.A. credit card account.
    • Cell Phone means a wireless telephone that can place and receive cellular telephone calls and appears on Your Wireless Bill. Cell Phone does not include tablets, smartwatches or any other device on Your Wireless Bill or connected to a cellular service other than a wireless telephone.
    • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
    • Damage means the Cell Phone can no longer perform function(s) as intended in normal service due to broken parts, material or structural failures.
    • Involuntary and Accidental Parting means an unintended separation from Your Cell Phone when its location is known, but recovery is impractical to complete.
    • Stolen or Theft means the Cell Phone was taken by force and/or under duress or the disappearance of the Cell Phone from a location under circumstances that would indicate the probability of theft and for which a police report has been filed.
    • We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
    • Wireless Bill means Your Cell Phone providers’ monthly billing statement that includes charges for data, cellular service, or installment payments for the Cell Phone.
    • You or Your means the person whose name is embossed on the Covered Card.

    What is NOT Covered

    • Any Cell Phone purchased for resale.
    • Any Cell Phone purchased for professional or commercial use.
    • Any Cell Phone that is lost (i.e., mysteriously disappears) without any evidence of a wrongful act.
    • Cracked screens, cosmetic damage or scratches that do not impact the Cell Phone’s capabilities or functionality.
    • Any Cell Phone accessories other than the original equipment that came in the original Cell Phone packaging.
    • A loss when a Cell Phone is under the care, custody, and control of another party or common carrier (including, but not limited to, airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).
    • A loss due to fraud, abuse, gradual deterioration, vermin, inherent product defects, product recalls, war (whether it be declared or not) or hostilities of any kind (including but not limited to, invasion, rebellion or insurrection, radioactive contamination, or risks of contraband).
    • A loss resulting from confiscation by any government, public authority or customs official.
    • An Act of God (including but not limited to, flood, hurricane or earthquake), or consequential losses resulting from any Act of God.
    • A fraudulent act(s) committed or arranged by You.
    • A loss arising from illegal activity or acts.
    • A loss due to misdelivery or voluntary parting with the Cell Phone.
    • Taxes, delivery & transportation charges and any fees associated with the Cell Phone service provider.
    • Consequential or incidental damages.
    • The loss or corruption of data and applications.
    • Any Cell Phone that is not on the Wireless Bill.
    • Tablets, smartwatches or any other device on Your Wireless Bill or connected to a cellular service other than a wireless telephone.

    How to File a Claim

    To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify us of the loss within sixty (60) days of the loss or as soon as reasonably possible.

    You will be asked to provide the following documentation to substantiate the claim:

    • A copy of Your Wireless Bill demonstrating that the entire monthly payment for the Wireless Bill was made the month prior to the date of Damage or Theft or Involuntary and Accidental Parting, and has been paid with the Covered Card.
    • If Your Wireless Bill doesn’t show payment with the Covered Card, a copy of Your Covered Card monthly billing statement that corresponds with the above Wireless Bill.
    • A copy of the device summary page from Your Wireless Bill or other sufficient proof of the claimed Cell Phone model linked to Your Wireless Bill account.
    • If the claim is due to Theft or criminal action, a copy of the police report is required.
    • Documentation (if available) of any other claim settlement such as Your cell phone provider or manufacturer’s insurance settlement (if applicable).
    • Any other documentation deemed necessary in Our sole discretion, to substantiate Your claim, including but not limited to:
      • An itemized repair estimate from an authorized cell phone repair facility.
      • An itemized store receipt for the replacement Cell Phone.

    The requested documents must be submitted within one hundred twenty (120) days of the loss or the claim may not be honored.

    Depending on the nature and circumstances of Your claim, We may choose to reimburse You for the cost to repair or replace Your Cell Phone for the lesser of the following:

    • The cost to repair the Cell Phone, less the deductible.
    • The cost to replace the Cell Phone with similar features and functionality at the current market value at time of loss, less the deductible.
    • $600 per claim.

    We will notify You of Our decision once We have processed Your claim. Your claim will be finalized within fifteen (15) business days after We have received all the documentation needed to substantiate Your claim.

    All claims must be fully substantiated as to the time, place, cause, and purchase price of the Cell Phone. If the Cell Phone is Damaged, do not discard it until the claim has been fully reviewed. We may require that You submit Your Cell Phone for evaluation and/or salvage.

    Refer to Additional Terms for more information.

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  • Travel and Emergency Assistance Services


    Travel and Emergency Assistance Services are made available to help the Covered Traveler in case of an emergency while traveling away from home. We can connect the Covered Traveler with the appropriate local emergency and assistance resources available, 24 hours a day, 365 days a year.

    Any information or referral We provide is free, but the Covered Traveler will have to pay for any services used, such as medical care or legal advice.

    Please note that due to occasional issues such as distance, location, or time, We cannot be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.

    Service may not be available in countries where the US Department of State has current travel warning issued or in countries where the US Department of the Treasury’s Office of Foreign Assets Control (OFAC) has active economic or trade sanctions or that are subject to other applicable trade or economic sanctions, laws and regulations.

    The Covered Traveler should consider the restrictions on services related to international laws on sanctions before planning the trip. Additionally, no services will be available in any country or territory where the existing infrastructure is deemed inadequate by Us to guarantee service. Should the Covered Traveler have doubt about the availability of service at their intended travel destination, they may contact us at 1-800-316-8051 to verify.

    Definitions

    • Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
    • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
    • We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
    • You or Your means the person whose name is embossed on the Covered Card.

    WHO'S ELIGIBLE

    Covered Travelers means You, Your spouse or Domestic Partner and Your Dependent Children traveling on the trip.

    Dependent Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon You for maintenance and support, and who: 1) are under the age of nineteen (19), and reside with You; 2) are under the age of twenty-five (25) and classified as full-time students; or 3) have a permanent physical or intellectual disability and are incapable of self-support.

    Domestic Partner means a committed relationship between two unmarried adults, in which the partners 1) are each other’s sole Domestic Partner; 2) maintain a common residence; 3) share financial obligations if both are employed, such as a joint mortgage or lease, joint bank account, joint title to or ownership of a motor vehicle or status a joint lessee on a motor vehicle lease or a joint credit card account with a financial institution; 4) are not married or joined in a civil union to anyone else or are not the Domestic Partner of anyone else; and 5) are not blood related.

    Note: You are still eligible for services on trips for Covered Traveler(s) even if You are not traveling with the Covered Traveler(s).

    SERVICES PROVIDED

    Travel and Emergency Assistance Services provide assistance and referral only. The Covered Traveler is responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.

    We connect the Covered Traveler with the following services when needed:

    • Emergency Message Service — can relay emergency messages for Covered Travelers. We will use reasonable efforts to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully. All costs are the Covered Traveler’s responsibility.
    • Medical Referral Assistance — provides medical referral, monitoring, and follow-up. We can give the Covered Traveler names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor their condition; keep in contact with their family, and provide continuing liaison; and help the Covered Traveler arrange medical payments from their personal account. All costs are the Covered Traveler’s responsibility.
    • Legal Referral Assistance — can arrange contact with English-speaking attorneys and U.S. embassies and consulates if the Covered Traveler is detained by local authorities, has a car accident, or needs legal assistance. In addition, We can coordinate bail payment from the Covered Traveler’s personal account. We can also follow up to make sure bail has been properly handled. All costs are the Covered Traveler’s responsibility.
    • Emergency Transportation Assistance — can help the Covered Traveler make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This includes arranging to bring their young children home and helping them stay in contact with family members or employers during the emergency. In the case of a death, We can make arrangements to repatriate the remains. All costs are the Covered Traveler’s responsibility.
    • Emergency Ticket Replacement — helps the Covered Traveler through their carrier’s lost ticket reimbursement process and assists in the delivery of a replacement ticket to them, should they lose their ticket. All costs are the Covered Traveler’s responsibility.
    • Lost Luggage Locator Service — can help the Covered Traveler through the Common Carrier’s claim procedures or can arrange shipment of replacement items if an airline or Common Carrier loses their checked luggage. The Covered Traveler is responsible for the cost of any replacement items shipped to them.
    • Emergency Translation Services — provides telephone assistance in all major languages and helps find local interpreters, if available, when the Covered Traveler needs more extensive assistance. All costs are the Covered Traveler’s responsibility.
    • Prescription Assistance and Valuable Document Delivery Arrangements — can help the Covered Traveler fill or replace prescriptions, subject to local laws, and can arrange pickup and delivery of their prescriptions filled for them at local pharmacies. It can also help transport critical documents they may have left at home or elsewhere. All costs are the Covered Traveler’s responsibility.
    • Pre-Trip Assistance — can give the Covered Traveler information on their destination before they leave such as ATM locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and required passport visas.
    • Cash Advance Assistance – Emergency funds will be arranged and made available to the Covered Traveler, from the Covered Traveler’s personal account in the event money is lost, stolen, or inaccessible due to events such as banking holidays. All costs are the Covered Traveler’s responsibility.

    HOW TO REQUEST HELP 24 HOURS A DAY

    Call 1-800-316-8051 in the United States, or call collect internationally at 1-800-348-0767.

    Services are not insurance and are performed by a third party provider.

    Refer to Additional Terms for more information.

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  • Auto Rental Collision Damage Waiver


    This coverage reimburses You if a covered accident or theft occurs to the Rental Car.

    To be eligible for coverage, the following must occur:

    • You must pay for all of the cost to rent the car with Your Covered Card and/or rewards program associated with Your Covered Card Account.
    • You must decline the rental company’s collision loss/damage insurance.

    How Long are You Covered

    The length of the Rental Car agreement with a maximum rental period of fifteen (15) consecutive days in the United States, and thirty-one (31) consecutive days outside the United States.

    Where are You Covered

    Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland or Northern Ireland.

    Some countries or car rental agencies require a letter of coverage. Please check with the rental agency before You go. If a letter of coverage is required call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Maximum Coverage

    $50,000

    Definitions

    • Account means a Wells Fargo Bank, N.A. credit card account.
    • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
    • Rental Car means a motor vehicle with at least four wheels that is designed to be driven on public roads. Vans are not covered, except those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.
    • We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
    • You or Your means the person whose name is embossed on the Covered Card.

    WHO'S COVERED

    You and any authorized driver, designated or listed on the rental car agreement, with a valid driver’s license.

    WHAT'S COVERED

    To take advantage of this benefit, the following conditions apply:

    • The rental period is no more than fifteen (15) consecutive days within the United States, and thirty-one (31) consecutive days outside of the United States.
    • The Rental Car is:
      • Damaged by an accident, a natural disaster or vandalism; or
      • Stolen.

    You will be reimbursed up to the Maximum Coverage limit for the following in the event of a covered accident or theft:

    • The cost to repair the Rental Car or the actual cash value of the Rental Car, whichever is less.
    • Reasonable towing expenses to the nearest collision repair facility.
    • The loss of use of the rental car.
    • Any additional fees or taxes.

    In the United States, the coverage provided by this benefit is secondary. This means that if You have another insurance policy that will cover the cost of damage or theft to Your rental car, this benefit will cover only the amount Your other policies do not. This benefit does cover deductibles You may have to pay under Your other insurance policies (or that Your employer may have to pay, if You rented the car for business reasons).

    Outside the United States, where this benefit is available, the coverage provided is primary even if You have another insurance policy.

    WHAT'S NOT COVERED

    Coverage does not apply to any claim under the following conditions:

    • The Rental Car is used in a way that goes against Your rental car agreement (such as but not limited to driving recklessly or under the influence of drugs or alcohol) or against clear instructions or warnings posted in the car.
    • The Rental Car was used as a car for hire.
    • The car is rented through a car sharing company that allows individuals to rent out their own car.
    • You or an authorized driver does not take responsible care of the Rental Car.
    • Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
    • Loss due to confiscation by authorities or hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities).

    This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or third-party personal property. It does not cover any damages to other cars or property. It does not cover any injury to any party.

    Coverage does not apply to the following charge(s) or expense(s):

    • The diminished value to the Rental Car as a result of the incident.

    Coverage does not apply to the following:

    • Exotic vehicles, meaning vehicles such as but not limited to, Aston Martin, Bentley, Excalibur, Ferrari, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce.
    • Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years).
    • Vans are not covered, except those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.
    • Vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.
    • Vehicles that are rented with a driver.

    HOW TO FILE A CLAIM

    Please follow the steps below and pay close attention to the deadlines to make sure You remain eligible for coverage.

    To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify us of the loss within sixty (60) days or as soon as reasonably possible after Your rental car is damaged or stolen.

    You will be asked to provide the following documentation to substantiate the claim:

    • A copy of the initial and final rental car agreement (front and back).
    • A copy of the accident report form/statement.
    • A copy of the repair estimate and itemized repair bill.
    • Two (2) photographs of the damaged rental car, if available.
    • A police report, if filed.
    • A copy of the demand letter which indicates the costs You are responsible for and any amounts that have been paid toward the claim.
    • A copy of Your monthly Account billing statement (showing the last 4 digits of the Account number) demonstrating that the entire rental transaction was made on Your Covered Card and/or rewards program associated with Your Covered Card Account.
    • A statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if  applicable), or other reimbursement showing the costs for which You are responsible, and any amounts that have been paid toward the claim. Or, if You have no applicable insurance or reimbursement, a signed
      statement, (or email from the email address associated with the claim), from You confirming no other insurance or reimbursement will apply, is required.
    • A copy of Your primary insurance policy’s Declarations Page (if applicable) to confirm Your deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates, and deductibles).
    • Any other documentation required to substantiate the claim.

    The requested documents must be submitted within three hundred sixty-five (365) days of the incident or the claim may not be honored. We will notify You of Our decision once We have processed Your claim.

    Your claim will be finalized within fifteen (15) business days after We have received all the documentation needed to substantiate Your claim.

    Refer to Additional Terms for more information.

    These Additional Terms pertain to the Cellular Telephone Protection; Travel and Emergency Assistance Services; and Auto Rental Collision Damage Waiver.

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  • Additional Terms


    This Guide is not, by itself, a policy or contract of insurance or other contract.

    Benefits are purchased and provided complimentary to You by Wells Fargo Bank, N.A.

    Cellular Telephone Protection and Auto Rental Collision Damage Waiver coverage ("Description of Coverage" or "DOC") is provided under a Group Policy of insurance issued by Virginia Surety Company, Inc. ("VSC"). The DOCs in this Guide are intended as a summary of benefits provided to You. The DOCs and all the information about these benefits listed in these Additional Terms is governed by the conditions, limitations, and exclusions of the Group Policy. Benefits not listed above and described in this Guide may be provided by a third party provider.

    Privacy Notice:

    As the provider of benefits, Virginia Surety Company, Inc. collects personal information about You from the following sources: information the provider gathers from You, from Your request for benefits or other forms You furnish to the provider, such as Your name, address, telephone number, and information about Your transactions with the provider such as claims made and benefits paid. The provider may disclose all information it collects, as described above, to its affiliates, subsidiaries and partners, as well as to non-affiliated third parties that perform administrative or other services on our behalf solely in connection with the benefits You have received. By providing this information to the provider, You agree that the provider may use Your information in accordance with this Privacy Notice, such as to provide benefits entitled to You, and to meet regulatory and contractual requirements relating to the benefits provided to You. The provider uses commercially reasonable physical, electronic, and procedural safeguards that comply with federal regulations to maintain the confidentiality of Your personal information. The provider takes appropriate technical and organizational measures to protect Your personal information from accidental or unlawful destruction, accidental loss, and unauthorized alteration, disclosure, or access. The provider does not disclose any personal information about former beneficiaries to anyone, except as required by law. The provider restricts access to personal information about You to those authorized individuals or third parties who reasonably need to know that information in order to provide benefits to You.

    Should You have any questions about the procedures or the information contained within Your file, please contact the provider by writing to:

         Virginia Surety Company, Inc.
         The Assurant Privacy Office
         Post Office Box 979047, Miami, FL 33197-9047

    Effective date of benefits:

    Effective 09/01/2022, this Guide replaces all prior disclosures, program descriptions, advertising, and brochures by any party. We reserve the right to change the benefits and features of these programs at anytime.

    Cancellation:

    These benefits can be cancelled at any time or non-renewed for You. In the event a benefit is cancelled or non-renewed, You may be notified as required by law. Coverage will still apply for the benefit prior to the date of such cancellation or non-renewal, subject to the terms and conditions of coverage. The provider of these benefits shall not be required to give notice if substantially similar coverage has been obtained from another provider without a lapse of coverage.

    Benefits to You: These benefits apply to cards issued in the United States by Wells Fargo Bank, N.A. No person or entity other than You 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, benefits will still apply 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 hereunder these benefits may be assigned without the prior written consent of the claim administrator for these benefits.

    Illegal Activity, Misrepresentation and Fraud: Benefits shall not be provided if You or any covered person has been involved in any illegal activity or concealed or misrepresented any material facts concerning these benefits. If providing benefits would violate United States economic or trade sanctions, the coverage will not be provided.

    Dispute Resolution-Arbitration (not applicable to NY Residents):
    READ THE FOLLOWING ARBITRATION PROVISION (THIS "ARBITRATION PROVISION") CAREFULLY. IT LIMITS CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO OBTAIN REDRESS THROUGH COURTS.

    Any and all claims, disputes, or controversies of any nature whatsoever (whether in contract, tort or otherwise), including statutory, common law, fraud (whether by misrepresentation or by omission) or other intentional tort, property, or equitable claims) arising out of, relating to, or in connection with (1) this DOC, or (2) the validity, scope, interpretation, or enforceability of this Arbitration Provision or of the entire DOC ("Claim"), shall be resolved by binding arbitration before a single arbitrator. Unless You and VSC mutually agree on an alternative, the arbitration will take place in the county and state where You live. All arbitrations shall be administered by the American Arbitration Association ("AAA") in accordance with its Expedited Procedures of the Commercial Arbitration Rules of the AAA in effect at the time the Claim is filed. The terms of this Arbitration Provision shall control any inconsistency between the AAA’s Rules and this Arbitration Provision. You may obtain a copy of the AAA’s Rules by calling (800) 778-7879. Upon written request VSC will advance to You either all or part of the fees of the AAA and of the arbitrator after You have been unsuccessful in obtaining a waiver of fees and costs from the AAA. The arbitrator will decide whether You or VSC will be responsible for these fees. The arbitrator shall apply relevant substantive federal and state law and applicable statutes of limitations and shall provide written, reasoned findings of fact and conclusions of law. This Arbitration Provision is part of a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, except that in no event shall this Arbitration Provision be amended or construed to permit arbitration on behalf of a group or class. For the purpose of this Arbitration Provision, "VSC" shall be deemed to include Virginia Surety Company, Inc. and all of its affiliates, successors and assigns, their respective principals, partners, officers and directors and all of the dealers, licensees, agents, and employees of any of the foregoing entities. This Arbitration Provision shall inure to the benefit of and be binding on You and each of the aforementioned persons and entities. This Arbitration Provision shall continue in full force and effect subsequent to and notwithstanding the expiration or termination of the Group Policy.

    No Class Actions/No Joinder of Parties: You agree that any arbitration proceeding will only consider Your Claims. Claims by, or on behalf of, other individuals will not be arbitrated in any proceeding that is considering Your Claims. You also agree that You will not join with others to bring Claims in the same arbitration proceeding.

    YOU AND VSC UNDERSTAND AND AGREE THAT BECAUSE OF THIS ARBITRATION PROVISION NEITHER YOU NOR VSC WILL HAVE THE RIGHT TO GO TO COURT EXCEPT AS PROVIDED ABOVE OR TO HAVE A JURY TRIAL OR TO PARTICIPATE AS ANY MEMBER OF A CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM.

    Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property covered 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 this benefit, the provider is entitled to recover such amounts from other parties or persons. Any party who receives payment under this benefit must transfer to the provider 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.

    Salvage: If an item is not repairable, the administrator may request You send the item to the administrator for salvage at Your expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.

    Secondary Insurance: Coverage is secondary to any other applicable insurance or indemnity available to You unless indicated within the Guide. 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 Guide. In no event will 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.

    Conformity of Statute: If benefit coverage does not conform to applicable provisions of State or Federal law, the benefit coverage is hereby amended.

    Benefits listed in this Guide are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide does not guarantee coverage or coverage availability.

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  • © 2022 Wells Fargo Bank, N.A.

    American Express is a federally registered service mark of American Express and is used by Wells Fargo pursuant to a license.

    This credit card program is issued and administered by Wells Fargo, N.A.

    Wells Fargo is not affiliated with nor does it maintain control over any other company offering products, services, or policies. Wells Fargo is not responsible for the actions or omissions of these companies nor is Wells Fargo responsible for any other cause, condition, or event beyond its direct control.

    LS 9724