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Guide to Benefits for Wells Fargo Propel American Express® Card

Effective Date: December 1, 2018

Section 1 — Shopping Benefits 

Cellular Telephone Protection

Retail Protection and Extended Warranty

Return Protection

Section 2 — Travel Benefits

Emergency Assistance

Roadside Assistance Tier 1

Worldwide Travel Inconvenience Insurance: For Lost or Damaged Baggage

North American Car Rental Loss and Damage Insurance

Worldwide Travel Accident Insurance

This Guide to Benefits describes the benefits in effect as of 4/1/2017. Please read and retain for your records.

Benefits Summary

With Your Wells Fargo Propel American Express Card, You have the power and recognition of the American Express brand at Your convenience — combined with the benefits and perks you already enjoy.

As a Cardholder, You receive access to an array of benefits available to you every day. You also receive additional premium assistance, savings, and support. From shopping to travel, you have 24/7 care at Your service.

Questions regarding Your benefits?

•    Card benefits information center: 1-855-327-1403

•    Cellular Telephone Protection benefit: 1-866-804-4770

To view all your benefits information or to start a claim, visit Propelbenefits.com.

General Definitions

Active Card: A Card with at least one purchase transaction (includes cash access but not balance transfers). The transaction must happen within the last 30 days and during the Coverage Duration period in effect when Cardholder requests assistance services.

Card: A Wells Fargo Propel American Express Card

Cardholder: Someone who holds a Wells Fargo Propel American Express Card in either of the following ways:

•    Has a Card with their name embossed, printed, or otherwise affixed on it

•    Has an agreement with Wells Fargo Bank, N.A., to use the credit to purchase goods and services from merchants in the American Express network

Covered Person: A Cardholder

Domestic Partner: A person the Primary Insured Person has designated in writing at the time of a claim and is a registered Domestic Partner or legal equivalent under laws of the governing jurisdiction or who:

•    Is at least 18 years of age and can competently enter into a contract

•    Is not related to the Primary Insured Person by blood

•    Lives exclusively with the Primary Insured Person for at least 12 consecutive months prior to the enrollment date

•    Is not legally married or separated

•    Has at least two of the following joint financial arrangements with the Primary Insured Person (as of the enrollment date):

  –    Mortgage or lease

  –    Bank account

  –    Vehicle title or ownership, or joint lessee of leased vehicle

  –    Credit card account with a financial institution

Neither the Primary Insured Person nor the Domestic Partner can be married to or have a civil union with anyone else.

TSO: Travel Service Office

Unmarried Dependent Children: Children who primarily depend on the Insured for their wellbeing and support. They must fit one of the following descriptions:

•    Under 19 years old and live with the Insured

•    Over 19 and live with permanent mental or physical disabilities, and are incapable of self-support

•    Under 25 and a full-time student at a higher-learning institute

Section 1 - Shopping Benefits

Cellular Telephone Protection

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12 month period. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance  policies) and may be applied after all other insurance. For complete coverage benefits and exclusions regarding this protection call 1-866-804-4770, 24 hours a day, seven days a week or go to http://www.wellsfargo.com/cellphone

Note: Call your cellular provider (or log on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for this cellular telephone protection benefit; however, you need to pay your monthly cellular telephone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.

Retail Protection and Extended Warranty

Wells Fargo Propel American Express® Card
Virginia Surety Company, Inc.
175 W. Jackson Blvd., Chicago, IL 60604

The following Key Terms apply to the following benefits:
Retail Protection and Extended Warranty.

Key Terms
Throughout this document, You and Your refer to the Cardholder or Authorized User of the Covered Card. We, Us, and Our refer to Virginia Surety Company, Inc.

Administrator means TWG Innovative Solutions, 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 1-866-918-4442.

Authorized User means an individual who is authorized to make purchases on the Covered Card by the Cardholder and is recorded by the Participating Organization on its records as being an Authorized User.

Cardholder means the person who has been issued an account by the Participating Organization for the Covered Card.

Covered Card means the Wells Fargo Propel American Express® Card.

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, and Final 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, or Final Legal Disclosures are not a part of Your coverage.

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.

KT-CC-EOC (9.08)

Retail Protection

Evidence of Coverage
Pursuant to the below terms and conditions, when an item You bought with your Covered Card is damaged or stolen within ninety (90) days of purchase, You may be eligible for benefits under this coverage.

Refer to Key Terms KT-CC-EOC (9.08) for the definitions of You, Your, We, us, Our, and words that appear in bold and Final Legal Disclosures CC-FLD (9.08).

To get coverage:

You must purchase the new item entirely with Your Covered Card and/or redeemable GoFar® Rewards associated with Your covered Account for Yourself or to give as a gift.

The kind of coverage You receive:
•  Most items You purchase entirely with Your Covered Card are covered if damaged or stolen for ninety (90) days from the date of purchase as indicated on Your Covered Card’s receipt.
•  Items You purchase with Your covered card and give as gifts also are covered.
•  This coverage is secondary to any other applicable insurance or coverage available to You or the gift recipient. Coverage is limited to only those amounts not covered by any other insurance or coverage benefit.

Coverage limitations:
•  Coverage is limited to the lesser of the following:
    •  The actual cost of the item (excluding delivery and transportation costs).
    •  A maximum of $1,000 per loss and a total of $50,000 per Cardholder account per twelve (12) month period.
•  Purchases that are made up of a pair or set will be limited to the cost of repair or replacement of the specific item stolen or damaged. If the specific item cannot be  replaced individually or repaired, the value of the pair or set will be covered not to exceed the limits above.
•  Coverage for stolen or damaged jewelry or fine art will  be limited to the actual purchase price as listed on Your Card statement, regardless of sentimental or appreciated market value.

What is NOT covered:
•  Items left in public sight, out of arm’s reach, lacking care, custody or control by the Cardholder.
•  Lost items, and items that mysteriously disappear (the only proof of loss is unexplained or there is no physical evidence to show what happened to the item) without any evidence of a wrongful act.
•  Items that are stolen from any location or place (including, but not limited to, exercise facilities, places of employment, schools, or places of worship) due to the lack of due diligence by you or another party.
•  Items lost, stolen, damaged, or mis-delivered while 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).
•  Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.
•  Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by You.
•  Losses that cannot be verified or substantiated.
•  Items covered by a manufacturer’s recall or class action suit.
•  Items that you damage through alteration (including, but not limited to, cutting, sawing, shaping).
•  Used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or remanufactured items.
•  Stolen items without documented report from the police.
•  Items that are damaged during transport via any mode.
•  Items stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle, automobile or any other motor vehicles.
•  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or their motors, equipment, or accessories. Motorized equipment not designed for transportation and used solely for the upkeep and maintenance of a residence is eligible for coverage (including, but not limited to, snow thrower, lawn mowers, and hedge trimmers).
•  Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, fixtures, or structures.
•  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent.
•  Losses caused by insects, animals, or pets.
•  Plants, shrubs, animals, pets, consumables, and perishables.
•  Items purchased for resale, rental, professional, or commercial use.
•  Professional services (including, but not limited to, the performance or rendering of labor or maintenance; repair or installation of products, goods, or property; professional advice of any kind, including, but not limited to, information/services or advice secured from any help or support line; or technical support for software, hardware, or any other peripherals).
•  Application programs, computer programs, operating software, and other software.
•  Losses resulting from 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.
•  Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.
•  Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, and earthquake).
•  Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.
•  Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or mammals).
•  Items stolen or damaged at a new home construction site.
•  Rented, leased, or borrowed items for which you will be held responsible.
•  Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.
•  Any shipping charges, transportation and  delivery charges, or promised time frames for delivery, whether or not stated or covered by the manufacturer’s warranty.
•  Interest or conversion fees that are charged to you on the covered card by the financial institution.

How to file a claim:
1. Call the Administrator at 1-866-918-4442 to request a claim form. You must report the claim within sixty (60) days of the loss or the claim may not be honored.
2. Submit the following documentation within one hundred and eighty (180) days of the date You report the claim:
    •  Completed and signed claim form.
    •  Repair estimate for damaged item(s).
    •  Photograph clearly showing damage, if applicable.
    •  Receipt showing purchase of covered item(s).
    •  Card account statement showing purchase of covered item(s).
    •  Report from police listing any items stolen.
    •  Copy of the declarations page of any applicable insurance or protection (including, but not limited to, homeowners, renters, or auto insurance policy).
    •  Any other documentation that may be reasonably requested by us or Our designated representative to validate a claim.

PA-CC-EOC (9.08)

Extended Warranty

Evidence of Coverage
Refer to Key Terms KT-CC-EOC (9.08) for the definitions of You, Your, We, us, Our, and words that appear in bold and Final Legal Disclosures CC-FLD (9.08).

A.  To get coverage:
•  You must purchase the new item entirely with Your Covered Card and/or redeemable GoFar® Rewards associated with Your covered Account or to give as a gift.
•  The item must have an original manufacturer’s (or U.S. store brand) warranty of twelve (12) months or less.

B.  The kind of coverage You receive:
•  Extended Warranty doubles the original manufacturer warranty up to a maximum of twelve (12) months on most items You purchase. For products with multiple warranty components, each warranty time period will be extended up to a maximum of twelve (12) months. Should You fail to properly register the original warranty as required by manufacturer, We will only double the actual warranty time period that You received from the manufacturer. An example of a product with multiple warranty components includes an appliance with original manufacturer’s (or U.S. store brand) warranties that differ for parts, labor, compressor, etc. The item must have an original manufacturer’s (or U.S. store brand) warranty of twelve (12) months or less.
•  If You purchase a service contract or an optional extended warranty of twelve (12) months or less on your item, we will cover up to an additional twelve (12) months after both the original manufacturer’s (or U.S. store brand) warranty and the purchased service contract or extended warranty coverage period end. If your service contract or extended warranty exceeds twelve (12) months, this coverage does not apply.
•  If You do not have an additional service contract or an optional extended warranty, this Extended Warranty benefit commences the day after your original manufacturer’s (or U.S. store brand) warranty expires.

C.  Coverage limitations:
•  The maximum benefit for repair or replacement shall not exceed the actual amount charged on Your covered card or $10,000, whichever is less.
•  If either the original manufacturer’s (or U.S. store brand) warranty or the service contract covers more than twelve (12) months, this benefit will not apply.
•  We or Our administrator will decide if a covered failure will be repaired or replaced, or whether you will be reimbursed up to the amount paid for the item. Items will be replaced with those of like kind and quality. However, we cannot guarantee to match exact color, material, brand, size, or model.

D.  What is NOT covered:
•  Used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles) that do not come with a manufacturer warranty (repair or replacement amount will not include market value at time of claim); recycled, previously owned, refurbished, rebuilt, or remanufactured items; product guarantees (e.g., glass breakage).
•  Floor models that do not come with an original manufacturer warranty.
•  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or their motors, equipment, or accessories. Parts, if purchased separately, may be covered.
•  Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, fixtures, or structures.
•  Plants, shrubs, animals, pets, consumables, and perishables.
•  Professional Services (including, but not limited to, the performance or rendering of labor or maintenance; repair or installation of products, goods or property; professional advice of any kind, including, but not limited to, information/services or advice secured from any help or support line; or technical support for software, hardware, or any other peripherals.)
•  Application programs, operating software, and other software.
•  All types of media with stored data or music (including, but not limited to, computer software, DVDs, video cassettes, CDs, film, and audio cassettes).
•  Any shipping charges, transportation and delivery charges, or promised time frames for delivery, whether or not stated or covered by the manufacturer’s warranty.
•  Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, and earthquake).
•  Indirect or direct damages resulting from a covered loss.
•  Mechanical failure arising from product recalls.
•  Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.
•  Loss resulting from 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.
•  Mechanical failures caused by normal wear and tear or gradual deterioration where no failure has occurred.
•  Items purchased for resale, professional, or commercial use.
•  Mechanical failures caused by lack of maintenance/service.
•  Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.
•  Physical damage to the item.
•  Any exclusion listed in the original manufacturer’s warranty.
•  Interest or conversion fees that are charged to you on the Covered Card by the financial institution.

E.  How to file a claim:
•  Call the Administrator at 1-866-918-4442 to request a claim form. You must report the claim within sixty (60) days of the failure or the claim may not be honored.
•  Submit the following documentation within one hundred and eighty (180) days from the date of failure or the claim may not be honored:
    •  Completed and signed claim form.
    •  Receipt showing covered item(s).
    •  Card account statement showing covered item(s).
    •  Itemized purchase receipt(s).
    •  Original manufacturer’s (or U.S. store brand) warranty.
    •  Service contract or optional extended warranty, if applicable.
    •  Itemized repair estimate from a factory authorized service provider.
    •  Any other documentation that may be reasonably requested by us or Our designated representative to validate a claim.

EW-CC-EOC (9.08)

Return Protection

This details Return Protection provided by AXA Assistance USA ("AXA") and for which You may be eligible as described herein. Certain limitations and exclusions apply.

Program Description: Return Protection offers Cardholders guaranteed product satisfaction on designated items purchased entirely with Your Wells Fargo Propel American Express Card and/or redeemable GoFar Rewards associated with Your covered Account. If You try to return a designated item within 90 days from the date of purchase and the merchant won’t take it back, AXA will refund the full purchase price, up to $300 per item, excluding shipping and handling, and up to a maximum of $1,000 annually per Card account.

How to File a Return Protection Request: Once You have verified that the merchant will not accept the designated item, call 1-855-327-1403 within 90 days of the purchase date to notify AXA of Your request. Within thirty 30 days from the date of Your initial call, AXA will need to receive the following:
• Original store receipt which shows that the purchase was made on Your Wells Fargo Propel American Express Card and/or redeemable GoFar Rewards associated with Your covered Account.
• Any other items deemed reasonably necessary by AXA to process Your request. Once Your request has been approved, You will be instructed to send the purchased item to us within 30 days. Please keep a record of Your shipping statement, as You will need to provide proof of shipping in the event that Your designated items are not received. You are responsible for the shipping and handling charges for the item. The Refund—up to $300 per item and up to a maximum of $1,000 per Card Account per year—will be reimbursed to You directly via check on all payable claims.

Eligibility: In order to be eligible for the services and benefits described below, offered by Wells Fargo Bank, N.A. through AXA, You must be a Cardholder as defined below.

Duration of Coverage: The coverage period of the services described herein, rendered by AXA on behalf of Wells Fargo Bank, N.A. runs concurrent with the validity of Your Wells Fargo Propel American Express Card account. If for any reason Your Wells Fargo Propel American Express Card account is terminated or cancelled, Your eligibility to receive the services described herein will be immediately canceled.

Access: The services and benefits offered in this program will be arranged by AXA. The benefits described herein are non-transferable. 24-Hour Toll-Free Access Worldwide: To facilitate obtaining the services, AXA will offer multilingual telephonic access, where available, 24 hours a day, 365 days a year. The access will be available for eligible Cardholders.

For 24-hour assistance, call:
Toll Free: 1-855-327-1403
Collect: 1-630-694-9750

Return Protection Related Definitions You Should Know:Covered Person means a Cardholder. Cardholder means a person who has entered into an agreement establishing an account which entitles such person to make purchases at merchants using a Card.

Limitations: Purchases must be made in the United States and charged in full on Your Card. Items purchased on the Internet do not qualify under this program. Purchases must be made from merchants operating within the United States and having a United States business address (not necessarily a retail outlet), and must have been charged in full with Your Card.

A refund will not be paid if, on the date We receive Your request for reimbursement or on the date of would-be payment by AXA, any amount on Your Card account is past due for one or more billing cycle(s) or Your Card is no longer valid (i.e., cancelled). Refunds are limited to $300 per designated item, and $1,000 annually per Cardholder account. The item must be in "like new" condition (not visibly used or worn) and in working order to be eligible.

An item is eligible if it may not be returned by the Covered Person to the merchant from which it was originally purchased. Any item purchased from a merchant that has an established return/satisfaction guarantee program, which is greater than or equal to the terms of Return Protection, and provides coverage for claims, will not be eligible for a Return Protection refund.

Product rebates, discounts or money received from lowest price comparison programs will be deducted from the original cost of the item. The maximum You will be compensated may not exceed the manufacturer’s suggested retail price.

Items not eligible for a refund are:
Computer-Based Items
  – Computer software
  – Firmware (such as console/video games, etc.)
Living Items
  – Animals
  – Living plants
Money/Exchanges
  – Cash and its equivalent
  – Negotiable instruments (such as promissory notes, stamps, and travelers checks)
Personal Ornaments
  – Jewelry (including, but not limited to loose gems, precious stones, metals, and pearls)
  – Watches
Play-Back Devices
  – Audiotapes
  – Cellular phones
  – Compact discs
  – Digital video discs
  – Mini discs
  – Pagers
  – Videotapes
Printed Items
  – Books of any kind
  – Maps
Unique Items
  – Consumable or perishable items with limited life spans (such as perfume, light bulbs, non-rechargeable batteries)
  – Custom-built items
  – Going-out-of-business sale items
  – Limited-edition items
  – One-of-a kind items (including antiques, artwork, and furs)
  – Rare and precious coins
  – Used, altered, rebuilt, and refurbished items
Weapons
  – Ammunition
  – Firearms
Miscellaneous
  – Formal wear
  – Health care items (such as blood pressure machines and diabetes equipment)
  – Items permanently affixed to home, office, vehicles, etc. (such as garage door openers, car alarms).
  – Land and buildings
  – Motorized vehicles (such as cars, trucks, motorcycles, boats, or airplanes) and their parts
  – Services and additional costs (such as installation charges, warranties, shipping, or memberships)
  – Tickets of any kind

If You have any questions regarding a Return Protection request or the Return Protection program, please call 1-855-327-1403.

Section 2 - Travel Benefits

Emergency Assistance

This section details the Premium Emergency Assistance services provided by AXA Assistance USA, Inc. ("AXA") and potentially available to You as a Cardholder.

1.  General Terms

Coverage Duration
Covered Persons have coverage for as long as You have an open, valid Wells Fargo Propel American Express Card account. You are no longer eligible for these services once Your account closes or ends.

A Covered Person is the Cardholder or their spouse (or domestic partner) who lives at the Cardholder’s address while traveling with them.

Benefits
You cannot transfer these benefits to any other service, program, or product.

Services Availability
Services are available worldwide. We do not provide services in any country or territory that:
•    Is the subject of governmental or quasi-governmental economic or political sanctions
•    Participates or potentially participates in an international or internal conflict
•    Has an existing infrastructure that AXA deems inadequate to guarantee service

Eligibility
You must be a Cardholder with an Active Card to be eligible for Premium Emergency Assistance services and benefits described.

Services Offering
Wells Fargo Bank, N.A., offers these services and benefits through AXA.

24-Hour Emergency Assistance
If You need emergency assistance, call the following numbers:
Toll Free:  1-855-327-1403
Worldwide Collect:  1-630-694-9750

2.  General Definitions

Card: Wells Fargo Propel American Express

Card Covered Person: a Cardholder; or a Cardholder’s spouse living at the same address as the Cardholder; or, a dependent child under the age of nineteen (19) or under the age of twenty-three (23) if a dependent full-time college student. Either dependent must permanently live with the Cardholder.

Cardholder: someone who has a Wells Fargo Propel American Express Card and whose name is embossed, printed, or otherwise affixed on a Card, or someone who has an agreement with Wells Fargo Bank, N.A. to extend credit to purchase goods and services from merchants participating on the American Express network.

Active Card: a Card with at least one (1) purchase or cash access, (but not a balance transfer), within the last 30 days and during the Duration of Coverage period when the Cardholder requests Services.

3.  Content of the Assistance Services Provided
There are four components of the Emergency Assistance program:

1.  Medical Emergency Assistance
AXA can refer the Cardholder to preferred medical providers including primary care physicians, clinics, and hospitals all over the world. Primary care physicians are defined as the following:
•    family practitioners
•    general practitioners
•    internists
•    ophthalmologists
•    obstetricians/gynecologists
•    orthopedists
•    pediatricians
The provider will give the person needing medical assistance the name, address, telephone number, office hours, and, if applicable, language(s) spoken. The nature of the situation, location of the caller, and time of the day will influence whether a referral is made to an individual provider or to a hospital/emergency care facility.

AXA will also provide referrals to medical specialists in major cities and nearby areas using specific selection criteria. Specialists are defined as physicians other than those previously identified as primary care physicians listed above. Some examples of specialists include allergists, cardiologists, and endocrinologists.

2.  Legal Emergency Assistance
AXA provides referrals to lawyers or other legal service providers including the provider’s name, address, telephone number, office hours, specialty and language resources. Whenever AXA has sufficient information to do so, we will refer the Cardholder to two or more legal professionals so that the Covered Person may have the benefit of choosing the legal professional.

AXA uses reasonable efforts to ensure that its referrals are legal service providers who meet the professional standards of the country or city where the traveler is located.

 3.  Personal Assistance
Because AXA is available 24/7, both pre-travel and during trip, AXA can quickly provide the following information for a Cardholder:
•    Passport, visa, and immunization/inoculation requirements
•    Foreign currency exchange rates
•    Weather forecasts and average seasonal temperatures
•    Embassy and Consular referrals
•    General information on local customs
•    General information on business etiquette
•    Information on national holidays and standard business hours
•    Travel advisories & customs information
•    Local voltage information

4.  Travel-Oriented Assistance
•    Referrals to Interpreters: AXA will arrange to provide the Cardholder with an interpreter. (To be charged to the Cardholder’s account and subject to authorization by Wells Fargo Bank, N.A.).
•    Urgent message relay: AXA will relay emergency messages to or from the Cardholder to family members or colleagues 24 hours a day.
•    Cash/Bail Assistance:
  –    AXA will arrange to make emergency funds available to the Cardholder if the Cardholder’s money is lost, stolen, or inaccessible due to banking holidays, etc.
  –    Assist with the payment of legal fees, as well as secure and post bail bonds when required (To be charged to the Cardholder’s account and subject to authorization by Wells Fargo Bank, N.A.).
•    Luggage Assistance: AXA will help the Cardholder locate lost luggage and will give the Covered Person regular updates on the status of the luggage.

Cost of the Assistance Services Provided
Most of the assistance services are offered to Cardholders at no cost. However, according to circumstances and depending on the nature of the requested service, the Cardholder will be responsible for all costs and expenses related to the requested services. AXA may have to make cash advances against the Cardholder’s Account, subject to the Cardholder’s approval. If this occurs, the advanced payment and associated delivery fees are reimbursed to AXA through the debit of the Cardholder’s Card Account, subject to prior approval by Wells Fargo Bank, N.A.

Roadside Assistance Tier 1

1.  General Terms
Wells Fargo Bank N.A. offers these services and benefits through AXA Assistance USA, Inc.

Eligibility
In order to receive 24-Hour Roadside Assistance Service, You must be a "Covered Person" as a valid Cardholder or Authorized User. We define "valid" as a Cardholder that has a Wells Fargo Propel American Express card and is eligible for benefits.

Coverage

Accounts
Coverage applies to Cardholders who have both of the following items:
•   Open Wells Fargo Bank, N.A. accounts in the U.S. under license from American Express
•   Valid Wells Fargo Propel World American Express Card accounts

Duration
You have coverage for as long as You have an open, valid Wells Fargo Propel American Express Card account. You are no longer eligible for these Roadside Assistance services once Your account closes or ends.

Vehicle
Cardholders can receive Service for the following automobiles ("Vehicles"), which must weigh two tons or less:
  –    Motorcycles
  –    Passenger vehicles
  –    RVs

Cardholders must either own or lease the Vehicle, and it must have a U.S. registration.

Services Transfer
As a Cardholder, You cannot transfer services or benefits to other:
•   Cardholders or accounts
•   Services, programs, or products

Services Availability
We offer these services in the U.S (including the District of Columbia and Puerto Rico) and Canada.

We do not provide services in any country or territory that:
•   Is the subject of governmental or quasi-governmental economic or political sanctions
•   Participates or potentially participates in an international or internal conflict
•   Has an existing infrastructure that AXA deems inadequate to guarantee service

You are responsible for researching whether We support services in the country to which You are traveling.

24-Hour Assistance
Eligible Wells Fargo Bank, N.A. Cardholders can receive help 24/7 in multiple languages by calling Our customer service line:
Toll Free:  1-855-327-1403
Worldwide:  1-630-694-9750

2.  Provided Services
As a Cardholder, You have access to 24-Hour Emergency Towing.

If Your Vehicle breaks down or You need a spare tire, You can arrange towing services with a repair within five miles of where You broke down, which We must pre-approve.
Your services cover the following towing needs:
•   Delivery of fuel or other standard fluids, like motor oil
•   Jumpstart for dead or weakened batteries
•   Lockout service (does not include replacing keys)
•   Spare tire replacements for flats

If the repair station is more than five miles from where You broke down, then You are responsible for paying any additional costs beyond five miles.

3.  Service Fees
The service fee of $59.95 will be charged to the Cardholder and does not include any costs for fuel, fluids, or additional repair needs not listed in "Provided Services."

Wells Fargo Bank, N.A will charge the flat fee and any additional fees to Your Wells Fargo Propel American Express Card.

Worldwide Travel Inconvenience Insurance: Lost or Damaged Baggage

Provides coverage in excess of other insurance for a reimbursement due to a travel inconvenience caused by lost or damaged baggage. Coverage applies to common carrier travel where the ticket was purchased with the Card and/or redeemable Go Far Rewards associated with Your covered Account

Benefit Information:
Toll Free:  1-855-327-1403
Worldwide Collect:  1-630-694-9750
Claims:  1-855-830-3727
Fax:  1-855-830-3728

Available:
8:00 a.m. – 8:00 p.m. ET Monday – Friday
8:00 a.m. – 12 noon ET Saturday

All other times, including holidays, a telephone call-in service is provided.

Summary of Coverage:
These coverages are provided through Excess Common Carrier Checked and/or Carry-on Baggage/Policy Number 99073175.

Worldwide Travel Inconvenience Insurance Related Definitions You should know:

Insured: Insured means a Cardholder, or such Cardholder’s spouse or Domestic Partner, or Unmarried Dependent Children, when such person has purchased Common Carrier passage fare entirely with a Wells Fargo Propel American Express Card.

Checked Baggage: Checked Baggage means suitcases or other containers specifically designated for carrying personal property, for which a claim check has been issued to the Insured by a Common Carrier.

Common Carrier: Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire.

Carry-On Baggage: Carry-On Baggage means suitcases or other containers specifically designated for carrying personal property, which are carried on board a Common Carrier by the Insured.

Actual Cash Value: Actual Cash Value means the cost to replace the lost or damaged personal property at the time of loss, less depreciation.

Covered Trip: Covered Trip means travel on a Common Carrier when the full fare for such transportation less any redeemable rewards points, coupons or certificates have been charged to the Insured’s Card account if rewards points, coupons, or certificates are redeemed, a charge of at least $1.00 must be charged to the Account for travel to be considered a Covered Trip.

Domestic Partner: Domestic Partner means a person designated in writing at time of claim by the primary Insured Person, who is at least eighteen (18) years of  age, and who during the past twelve (12) months: 1) has been in a committed relationship with the primary Insured Person; and 2) has been the primary Insured Person’s  sole spousal equivalent; and 3) has resided in the same household as the primary Insured Person; and 4) has  been jointly responsible with the primary Insured Person for each other’s financial obligation, and who intends to continue the relationship above indefinitely.

Unmarried Dependent Children: Unmarried Dependent Child(ren) means children who are primarily dependent upon the insured for maintenance and support and who are: under the age of 19 and reside with the insured; beyond the age of 19 who are permanently mentally or physically disabled and incapable of self-support; or under the age of 25 and a full-time student at an institute of higher learning.

Insured’s Property: Insured’s Property means the Insured’s baggage and personal property contained in Checked Baggage and Carry-On Baggage.

Insured’s Location of Permanent Residence: Insured’s Location of Permanent Residence means the city where the Insured has established his/her fixed and permanent principal home.

The Plan. As an Insured, You, Your spouse or Domestic Partner or Unmarried Dependent Children are eligible  to receive reimbursement for amounts paid for direct physical loss or damage to Checked and/or Carry-On Baggage and Insured’s personal Property contained therein. Reimbursement for Checked and/or Carry-On baggage will be on an Actual Cash Value basis at the time of loss. This coverage applies provided the entire cost of the Covered Trip is charged to Your Card.

Eligibility. This Common Carrier Baggage reimbursement is provided to You, Your spouse or Domestic Partner and Unmarried Dependent Children, automatically when the entire cost of the Covered Trip is charged to Your Card. It is not necessary for You to notify Wells Fargo Bank, N.A., the administrator, or Federal Insurance Company (the "Company") at the time the passage fee is charged to Your Card.

The Cost. This coverage is provided at no additional cost to eligible Insureds under the Master Policy #99073175 issued to American Express Travel Related Services Company, Inc. by Federal Insurance Company (the "Company").

Amount of Insurance:

Checked and/or Carry-On Baggage: The Company’s liability will be for a maximum reimbursement of $1,000 per Insured per covered trip, of which no more than $250 may be for jewelry and fur. Payment will be on an Actual Cash Value basis at the time of loss. Coverage under this plan will be excess over any amount due solely from the Common Carrier.

Exclusions:

Checked and/or Carry-On Baggage:
Coverage does not apply to loss resulting from:
•   Any dishonest, fraudulent, or criminal act of the Insured;
•   Forgery by the Insured;
•   Loss due to war or confiscation by authorities;
•   Loss due to nuclear reaction or radioactive contamination.

Coverage also does not apply to:
•   Sporting equipment, unless checked with the Common Carrier and for which its own claim check has been provided by the Common Carrier;
•   Animals and perishables;
•   Cameras and accessory equipment;
•   Eye glasses and contact lenses;
•   Prosthetic devices including dentures and hearing aids;
•   Tickets, valuable papers, and documents;
•   Credit cards, charge cards, and debit cards;
•   Securities;
•   Money;
•   Art objects;
•   Electronic equipment;
•   Business items;
•   Bullion or precious or semi-precious metals, stones, or gems other than that contained in items of personal jewelry owned by the Insured;
•   Household furniture;
•   Motor vehicles, boats, or watercraft or aircraft or parts for such conveyances;
•   Expenses or purchases not billed to Your Card account.

Length of Coverage: This plan is effective on the date on the master policy, and will cease on the date the master policy terminates (in which case You will be notified by Wells Fargo Bank, N.A.), or on the date You no longer qualify as an eligible Insured or on the expiration date of any applicable period of coverage for any Insured, or on the date Your Card account is terminated or no longer in good standing, whichever occurs first.

Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto.

Claim Procedure. The Insured must send the Company written notice of a claim, including the Insured’s name  and policy number, within 45 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn "Proof of Loss" statement, the Insured must send the following to the Company or its authorized representative:
•   A copy of the Card account statement showing the Common Carrier fare charged;
•   A copy of the initial claim report submitted to the Common Carrier;
•   Proof of submission of the loss to and the results of any settlement by the Common Carrier;
•   Proof of submission of the loss to and the results of any settlement or denial by the Insured’s personal insurance carrier(s);
•   If no other insurance is applicable, a notarized statement from the Insured to that effect; and
•   Evidence that the personal property has actually been replaced.

To File a Claim: To obtain a claim form, contact the Claim Administrator, Broadspire, a Crawford Company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to:
Broadspire, a Crawford Company
PO Box 459084
Sunrise, FL 33345
Phone number: 1-855-830-3727
Fax number: 1-855-830-3728

For Insureds Who Are New York State Residents. To the extent that this plan provides insurance against the loss or damage to baggage and its contents, the following terms and conditions apply: (1) The loss or damage must occur while the Insured is in transit; (2)  The maximum amount of insurance is $1,000 per  bag, including contents, subject to a maximum annual aggregate amount of $10,000 for all Insureds per trip per Card account.

Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, P.O. Box 1615 Whitehouse Station, NJ 08889.

As a handy reference guide, please read this document and keep it in a safe place with Your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in Master Policy #99073175, Excess Common Carrier Checked and/or Carry-on Baggage on file with American Express Travel Related Services Company, Inc. herein referred to as the Policyholder. The benefits of the Policy providing Your coverage are governed primarily by the law of a state other than Florida. If this plan does not conform to Your state statutes, it will be amended to comply with such laws. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern.

North America Car Rental
Loss and Damage Insurance

Provides coverage in excess of other insurance against damage to or loss of a rental vehicle. Coverage applies when the entire rental fee is charged to Your Card.

Benefit Information:
Toll Free:  1-855-327-1403
Worldwide Collect:  1-630-694-9750
Claims:  1-855-830-3727
Fax:  1-855-830-3728

Available:
8:00 a.m. – 8:00 p.m. ET Monday – Friday
8:00 a.m. – 12 noon ET Saturday

All other times, including holidays, a telephone call-in service is provided.

Automatic Loss or Damage Reimbursement Summary of Coverage

Definitions You Should Know:

Insured: Insured means a Cardholder who charges the entire cost of a Rented Automobile using their Card and/or redeemable GoFar Rewards associated with Your covered Account.

Cardholder: Cardholder means a holder of a Wells Fargo Propel American Express Card whose name is embossed, printed or otherwise affixed on a Card, or who has  entered into an agreement with Wells Fargo Bank, N.A. for the extension of credit to be used to purchase goods and services from merchants participating on the American Express network.

Card: Card means a payment card or other payment device or method linked to or representing a credit or charge account issued by Wells Fargo Bank, N.A. in the United States under license from American Express, which can be used to purchase goods or services from merchants participating on the American Express network.

Rented Automobile: Rented Automobile means a four-wheeled private passenger type motor vehicle or a mini-van manufactured and designed to transport a maximum of seven passengers and used exclusively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from a Licensed Rental Agency. Off-road, antique or limited-edition vehicles are excluded, as are trucks, recreational vehicles, campers, pickup trucks and minibuses.

Excess Coverage: Excess Coverage means that the Insured will be reimbursed only for losses/expenses not covered by other plans or programs, such as a partial collision damage waiver, any personal auto insurance, employer’s auto insurance or reimbursement plan or other sources of insurance. When these other plans apply, an Insured must first seek payment or reimbursement from such plans, and receive a determination based on the stated terms of such other plans, that any such plans do not provide complete coverage, prior to such time as the Insured can be reimbursed through Excess Coverage.

Damage or Loss: Damage or Loss means direct and accidental loss to a Rented Automobile.

Actual Cash Value: Actual Cash Value means the cost to repair or replace the Damage or Loss to the Rented Automobile at the time of Damage or Loss, less depreciation.

Licensed Rental Agency: Licensed Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction.

The Plan: As an eligible Insured, You may receive reimbursement for repair or replacement of the Rented Automobile as a result of Damage or Loss to the Rented Automobile anywhere in the world. Reimbursement will be on an Actual Cash Value basis, for loss for which the Insured is responsible. This coverage applies provided  the entire rental fee for the Rented Automobile, less redeemable certificates, vouchers, coupons, or points has been charged to Your Card.

Eligibility: This Damage or Loss protection is provided to You, as an eligible Insured, automatically when, and only when, the entire rental fee for the Rented Automobile is charged to Your Card and/or redeemable GoFar Rewards associated with Your covered Account, provided however, You reject, at the time of rental, any coverage against Damage or Loss available from the Licensed Rental Agency. It is not necessary for You to notify Wells Fargo Bank, N.A., the administrator or the Federal Insurance Company (the "Company") at the time the rental fee is charged to Your Card.

The Cost: This coverage is provided at no additional cost to eligible Insureds under the Master Policy #99073174 issued to American Express Travel Related Services Company, Inc., by Federal Insurance Company (the "Company").

Length of Coverage: The coverage period will not exceed thirty-one (31) consecutive days.

Amount of Insurance:  The Company’s liability will be for a maximum reimbursement of $50,000 per rental. From the amount of reimbursement due the Insured,  the amount of any valid and collectible insurance will be deducted. In no event will the Company be liable beyond the amounts actually paid by the Insured. The insured must file a claim with their primary insurance as this policy is Excess Coverage.

Exclusions. Coverage does not apply to loss resulting from the following:
•   Any dishonest, fraudulent, or criminal act of the Insured.
•   Forgery by the Insured.
•   Loss or Damage due to war or confiscation by authorities.
•   Loss or Damage due to nuclear reaction or radioactive contamination.
•   The Insured being intoxicated, as defined by the laws  of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician.
•   Intentional damage to the Rented Automobile by the Insured.
•   Loss or Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure, unless such damage results from a theft covered by the plan.
•   Loss or Damage to tires unless damaged by fire, malicious mischief or vandalism, or stolen, or unless the Loss or Damage be coincident with a covered loss.
•   Use of the Rented Automobile to carry passengers and property for hire.
•   Use of the Rented Automobile in tests, races or contests.
•   Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile by the terms of the rental agreement.
•   The Rented Automobile being operated or located in any territory prohibited by the terms of the rental agreement.
•   Loss of use of the Rented Automobile.

Vehicles NOT covered. Coverage does not apply to the following:
•   Trucks, recreational vehicles, campers, pickup trucks and mini-buses.
•   Limited-edition motor vehicles which are defined as high-value, exotic, high-performance or collector-type vehicles.
•   High-value motor vehicles which are defined as motor vehicles whose replacement value exceeds $50,000.
•   Antique motor vehicles which are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more.

Effective Date. This plan is effective on the date You qualify as an eligible Insured and will cease on the date the Master Policy #99073174 terminates (in which case You will be notified by Wells Fargo Bank, N.A., or on the date You no longer qualify as an eligible Insured (i.e, on the date Your Card account terminates or ceases to be in good standing), or on the expiration date of the applicable coverage period for the Insured, whichever occurs first.

Misrepresentation and Fraud. Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto.

Claim Procedure. The Insured must send the Company written notice of a claim, including the Insured’s name and policy number, within 45 days after Damage or Loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. In addition, the Insured must send the following information to the Company or its authorized representative:
•   A copy of the Card account statement showing the charge for the Rented Automobile.
•   A copy of the automobile rental agreement.
•   A copy of the police report pertaining to Damage or Loss.
•   A copy of the initial claim report submitted to the automobile Rental Agency.
•   A copy of the paid claim presented by the automobile Rental Agency for the Damage or Loss for which the Insured is responsible.
•   Proof of submission of the Loss to and the results of any settlement or denial by the applicable insurance carrier(s).
•   If no other insurance is applicable, a notarized statement from the Insured to that effect.

To File a Claim. To  obtain a claim form contact the Claim Administrator, Broadspire, a Crawford company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to:
Broadspire, a Crawford Company
PO Box 459084
Sunrise, FL 33345
Phone number: 1-855-830-3727
Fax number: 1-855-830-3728

For Insureds Who are New York State Residents.
To the extent that this plan provides insurance against damage to a rented motor vehicle, the following additional terms and conditions apply: (1) The period of insurance coverage will not exceed thirty-one (31) consecutive  days; (2) The insurance provided by this plan will be Excess Coverage over any other valid and collectible insurance covering the rented motor vehicle. However, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and if the following criteria are met: (a) The motor vehicle is rented for use outside the United States, its territories and possessions; and (b) The motor vehicle is rented without a driver. All other terms and conditions which do not conflict with this paragraph continue to apply.

Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies P.O. Box 1615 Whitehouse Station, NJ 08889.

As a handy reference guide, please read this document and keep it in a safe place with Your other insurance documents. This Summary of Coverage is not a contract of Insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in Master Policy #99073174, Loss or Damage Waiver on file with American Express Travel Related Services Company, Inc., and available from Wells Fargo Bank, N.A. The benefits of the Policy providing Your coverage are governed primarily by the law of a state other than Florida. If this plan does not conform to Your state statutes, it will be amended to comply with such laws. If a statement in this Summary of Coverage and any provision in the Policy differ, the Policy will govern.

Worldwide Travel Accident Insurance:

Worldwide Travel Accident Insurance provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, train, ship or bus) when the entire fare is charged to Your Card and/or redeemable GoFar Rewards associated with Your covered Account. Worldwide Travel Accident Insurance provides coverage up to $150,000.

Benefit Information:
Toll Free:  1-855-327-1403
Worldwide Collect:  1-630-694-9750
Claims:  1-855-830-3727
Fax:  1-855-830-3728

Available:
8:00 a.m. – 8:00 p.m. ET Monday – Friday
8:00 a.m. – 12 noon ET Saturday

All other times, including holidays, a telephone call-in service is provided.

Definitions

Insured: Insured means a Cardholder, or such Cardholder’s spouse or Domestic Partner, or Unmarried Dependent Children, when such person has purchased Common carrier passage fare entirely with the Cardholder’s Card and/or redeemable GoFar Rewards associated with Your covered Account.

Common Carrier: Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire.

Member: Member means hand or foot.

Loss: Loss means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with regard to thumb and index finger, means complete severance through or above the knuckle joints of the thumb and index finger of the same hand; with respect to a foot, complete severance through or above the ankle joint; with respect to eye, means the permanent loss of vision in one eye. Remaining vision must be no better than 20/200 using a corrective aid or device as determined by a physician; with respect to hearing, means the permanent and irrecoverable loss of hearing in both ears, as determined by a physician, with respect to speech, means the permanent and irrecoverable total loss of the capability of speech without the aid of mechanical devices, as determined by a physician.

Benefit Amount: Benefit Amount means the Loss amount applicable at the time the entire cost of the passenger fare is charged to a Card account.

The Plan. As the holder of a Card, You, Your spouse or Domestic Partner, and Unmarried Dependent Children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed Common Carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers, coupons, or points has been charged to Your Card account. A charge of at least $1 must be charged to Your Card account.

If the entire cost of the passenger fare has been charged to Your Card account prior to departure for the airport, terminal or station, coverage is also provided for Common Carrier travel (including taxi, bus, train or airport limousine, including courtesy transportation); immediately, (a) preceding Your departure, directly to the airport, terminal or station (b) while at the airport, terminal or station, and (c) immediately following Your arrival at the airport, terminal or station of Your destination. If the entire cost of the passenger fare has not been charged to Your Card account prior to Your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to Your Card.

Eligibility. This travel insurance plan is provided to eligible Insureds automatically when the entire cost of a Common Carrier fare is charged to Your Card account and/or redeemable GoFar Rewards associated with Your covered Account. It is not necessary for You to notify Wells Fargo Bank, N.A., the administrator or Federal Insurance  Company (the "Company") when tickets are purchased.

The Cost. This travel insurance plan is provided at no additional cost to eligible Insureds. Wells Fargo Bank, N.A. pays the premium.

Beneficiary. The Loss of Life benefit will be paid to the beneficiary designated by the Insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: (a) the Insured’s spouse or Domestic Partner, (b) the Insured’s children, (c) the Insured’s parents, (d) the Insured’s brothers and sisters, (e) the Insured’s estate. All other indemnities will be paid to the Insured.

Maximum Benefit Amount: $150,000.

Table of Loss

Loss of Life: $150,000

Dismemberment:
• Loss of both hands, both feet, sight of both eyes, or a combination of any two of a hand, a foot, and the sight of an eye: $150,000
• Loss of speech and hearing: $150,000
• Loss of speech or hearing and one hand, foot or the sight of an eye: $150,000
• Loss of one hand or one foot or entire sight of one eye: $75,000
• Loss of speech or hearing: $75,000
• Loss of thumb and index finger on the same hand: $37,500

The Loss must occur within one year of the accident.

The Company will pay the single largest applicable Benefit Amount. In no event will duplicate request forms or multiple Card accounts obligate the Company in excess of the stated Benefit Amounts for any one loss sustained as the result of any one accident by any one individual Insured.

In the event of multiple accidental deaths per Card account arising from any one accident, the Company’s liability for all such losses will be subject to a maximum limit of insurance equal to two times the Benefit Amount for Loss of Life. Benefits will be proportionately divided among the Insured up to the maximum limit of insurance.

Extensions of Insurance
Extensions of Insurance are subject to the provisions of the policy, and all other policy terms and conditions.

Disappearance
If an Insured has not been found within one (1) year of the disappearance, stranding, sinking, or wrecking of any Common Carrier conveyance in which an Insured was an occupant at the time of the accident, then it will be assumed, subject to all other terms and conditions of this policy, that an Insured has suffered Loss of Life insured under this policy.
Exposure
If an accident resulting from an insured hazard causes an Insured to be unavoidably exposed to the elements and as a result of such exposure an Insured has a Loss, then such Loss will be insured under this policy.

Exclusions.
This insurance does not cover loss resulting from an Insured’s:
• Pregnancy
• Childbirth or miscarriage
• Attempted suicide
• Declared or undeclared war, but war does not include acts of terrorism
• Emotional trauma
• Intentionally self-inflicted injuries
• Mental or physical illness
• Suicide
• Bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria)
• Bodily malfunctions
• Disease

This insurance also does not apply to an accident occurring while an Insured is in, entering, or exiting any aircraft while acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a lifethreatening emergency. This insurance does not cover loss from commutation, meaning travel between the Insured’s residence and regular place of employment.

Effective Date. This insurance is effective on the date on the Master Policy, and will cease on the date the Master Policy #9907-31-73 is terminated or on the date Your Card account terminates or ceases to be in good standing, whichever occurs first.

Claim Notice: Written Notice of Claim must be given to us or any of Our appointed agents or brokers within twenty (20) days after the occurrence or commencement of any Loss covered by this policy or as soon as reasonably possible. Notice must include enough information to identify the Insured Person and Policyholder. Failure to give Notice of Claim within twenty (20) days will not invalidate or reduce any claim if notice is given as soon as reasonably possible.

Claim Forms: When We receive notice of a claim We will send the Insured or the Insured designee, within fifteen (15) days, forms for giving us Proof of Loss. If the Insured or the Insured designee does not receive the forms, the Insured or the Insured designee should send us a written description of the Loss. This written description should include information covering the occurrence, character and extent of the Loss for which claim is made.

Proof of Loss: For claims involving disability, written Proof of Loss must be given to us within thirty (30) days after commencement of the period for which We are liable. Subsequent written proof of the continuance of such disability must be given to us at such intervals as We may reasonably require. Failure to give written Proof of Loss within these time frames will not invalidate or reduce any claim if notice is given as soon as reasonably possible, and in no event, except in cases where the claimant lacks legal capacity, later than one (1) year after the deadline to submit written Proof of Loss. For all claims except those involving disability, written Proof of Loss must be given to us within ninety (90) days after the date of Loss, or as soon as reasonably possible.

Claim Payment: For benefits payable involving disability, We will pay the Insured or beneficiary the applicable Benefit Amount no less frequently than monthly during the continuance of the period for which We are liable. At the end of this period, We will immediately pay any remaining balance of the Benefit Amount. All payments by us are subject to receipt of written Proof of Loss. For all benefits payable under this policy except those for disability, We will pay the Insured or beneficiary the applicable Benefit Amount within sixty (60) days after We receive a complete Proof of Loss, if the Insured and Policyholder have complied with all the terms of this policy.

Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. P.O. Box 1615 Whitehouse Station, NJ 08889

As a handy reference guide, please read this and keep it in a safe place with Your other insurance documents. This description of coverage is not a contract of insurance but is simply an informative statement of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of Insurance are contained in Master Policy #9907-31-73, Blanket Travel Accident on file with American Express Travel Related Services Company, Inc. The benefits of the Policy providing Your coverage are governed primarily by the law of a state other than Florida. If this plan does not conform to Your state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern.

To obtain a claim form, contact the Claim Administrator, Broadspire, a Crawford Company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to:

Broadspire, a Crawford Company
PO Box 459084
Sunrise, FL 33345
Phone number: 1-855-830-3727
Fax number: 1-855-830-3728.

Fraud Warning.
Any person who, knowingly and with intent to defraud any insurance company or other person: files an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, which is a crime. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant or Insured Person.

Final Legal Disclosure

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

Benefits are purchased and provided at no cost to You, but 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). Retail Protection and Extended Warranty coverage are provided under a Group Policy of insurance issued by Virginia Surety Company, Inc. This Guide to Benefits is intended as a summary of benefits provided to You. The definitions Coverage and all the information about the insurance benefits listed in this Guide to Benefits are governed by the conditions, limitations, and exclusions of the Group Policy.

Privacy Notice:
As the insurer of the Covered Card coverage described herein, Virginia Surety Company, Inc. ("VSC") collects personal information about You from the following sources:

Information the insurer gathers from You, from Your request for insurance coverage or other forms You furnish to the insurer, such as Your name, address, telephone number, and information about Your transactions with the insurer such as claims made and benefits paid. The insurer may disclose all information it collects, as described above, to companies that perform administrative or other services on Our behalf solely in connection with the insurance coverage You have received. The insurer does not disclose any personal information about former insureds to anyone, except as required by law.

The insurer restricts access to personal information about You to those employees who need to know that information in order to provide coverage to You. The insurer maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard Your personal information. Should You have any questions about the insurance procedures or the information contained within Your file, please contact the insurer by writing to:
Compliance Department Virginia Surety Company, Inc.
175 West Jackson Blvd., Chicago, IL 60604

Effective date of benefits:
Effective December 1, 2018, this 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 at least sixty (60) days 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 Cardholders whose cards are issued by U.S. financial institutions. The United States 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 between You and VSC concerning this EOC (including the cost of, lack of or actual repair or replacement arising from a loss). 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 Your and Our 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, either You or VSC 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. You and VSC 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 You and VSC. Unless otherwise agreed to by You and VSC, 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 Illinois (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 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. 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.

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 coverage availability.

CC-FLD (9.08)

© 2018 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

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.

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