AAA VISA TravelMoney ® Card
Terms and Conditions

General

These are your AAA VISA TravelMoney ® Card Terms and Conditions.

In these Terms and Conditions “you” or “your” means the person who has purchased and intends to use the AAA VISA TravelMoney Card; “we”, “us” or “our” means Interpayment Services Limited, a company incorporated under the laws of England of Worldwide House, PO Box 36, Thorpe Wood, Peterborough, PE3 6SB, England (whose registered office is at 65 Kingsway, London, WC2B 6TD, England) and their agents, service providers, successors and assigns; “Card” means the AAA VISA TravelMoney Card issued by MBNA America Bank, N.A.

Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card.

Please sign the Card on the reverse in the strip provided using your usual signature immediately you receive it..

You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $250.

Using Your Card

The AAA VISA TravelMoney Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a FDIC insured deposit account. The Card is issued by MBNA America Bank, N.A. pursuant to a license from Visa, U.S.A., Inc.. Your Card allows you to access your prepaid funds in Visa ATMs. You may also use your Card at merchants that accept VISA debit cards worldwide .

The maximum value credited to the Card on issue is limited to $1,500 when the Card is purchased by telephone or Internet or $9,999 if purchased through a participating AAA Club. No more than $9,999 can be available for use on the Card at any one time.

Activate your Card by calling toll-free, 1-866-866-8140 or visit www.aaa.com/prepaidcards. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation.

The Card is non-transferable. The person who purchases the Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use.

You may request one additional Card for a fee at the time you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards . You are responsible for all authorized transactions made with this additional Card.

You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined.

Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated bank.

When you use your Card at an automated gas station pump you will require a minimum of $30 credit on the Card to enable gas to be dispensed (it may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this please pay the attendant in the gas station.

When you use the Card to make a telephone call this can require of minimum credit of $15.

If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%.

Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If seven days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you.

Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill.

When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization.

If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means.

Your Card will expire on the date embossed on the front of the Card, which will be not less than six months after you purchased the Card. After the expiration date, the Card may no longer be used and any amount remaining on the Card, after deducting all applicable fees, will be returned to you on request.

The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you.

You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below) from a participating AAA VISA TravelMoney Club branch or we will arrange to credit you with the funds.

We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law.

Any entity honoring the Card may be required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement.

You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash.

We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems.

PIN Protection

You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.

We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner.

Card Activity Information

You can review your Card balance and the last 5 transactions activity records by calling toll-free 1-866-866-8140 or other notified numbers (subject to a fee) or by visiting www.aaa.com/prepaidcards where full details of all transactions are available free of charge.

This information is available to you 24 hours a day, 7 days a week. Your AAA VISA TravelMoney Card account number and some of the information requested when you ordered the Card are required for authentication .

 Card Reloading

You can add value of at least $250 to your Card up to a maximum of 3 times by making a payment for credit to your AAA VISA TravelMoney Card account at any AAA office participating in the AAA VISA TravelMoney Card program.

You can also add value at www.aaa.com/prepaidcards or by calling toll free 1-866-866-8140 by initiating a funds transfer from your designated funding account, which is subject to you completing the details required. Funds transferred will not be available for your use for 5 to 7 business days after you have initiated the transfer. You can also call toll-free 1-866-339-3378 to add value using most major debit and credit cards.

ATM Usage

The frequency, amount and timing of cash withdrawals made from ATMs may be limited by the ATM operator. Also in the U.S. use is subject to a transaction withdrawal limit of $350.00 and a weekly (7 day) withdrawal limit of $850.00. The limit elsewhere in the world is $2,000 in any 24 hours. There may be other limitations on the types, frequency and timing of cash withdrawals established by us from time to time, without notice, for security purposes.

In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card.

Cash Passport and Visa TravelMoney Card Account Fees and Charges

Additional Card Fee. $2.00.

Card Fee . $4.95 if an AAA member and ordered from a participating AAA Club and $7.90 plus shipping as advised when ordering on the telephone or online. Non-members can only purchase through a participating AAA Club and will be charged $9.95.

ATM Fee. There is a $2.50 ATM withdrawal fee per ATM withdrawal in the US and $2.00 elsewhere in the world.

Bank Cash Advance Fee. There is a $10.00 fee per withdrawal in the US and elsewhere in the world.

Balance Inquiries IVR and Customer Service. There will be a fee of $0.50 for any balance inquiries performed through the Interactive Voice Response (IVR) system or customer services when calling 1-866-866-8140.

Statement Fees. A fee of $0.50 will be imposed for each monthly printed and mailed statement detailing the balance remaining on your Card and your activity using the Card. Any such fee will be deducted from the balance of your Card at the time of issuance of a statement.

Account Maintenance Fee. You will be charged a fee of $1.25 each month, beginning on the 12th month of inactivity on the Card, as long as there is a balance remaining on the Card.

Cash Out Fee. If you request a refund of funds remaining in your Card account a $15 Administrative Fee may be charged to close the Card and return any remaining balance to you.

Overdraft Fees . In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $15 fee.

Pre-authorized Transfers. You will not be able to make pre-authorized regular payments from your Card account.

Foreign Exchange: If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate increased by 7% (including the VISA handling charge of 1%).

Our Liability

If we do not complete a transfer from the Card on time or in the correct amount according to these terms and conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance:

If through no fault of ours, an ATM or merchant refuses to honor the Card.

If through no fault of ours, you do not have enough money available on your Card to make a withdrawal or purchase.

If the terminal or system was not working properly and it was known about when the transaction started.

If circumstances beyond our control (such as flood or fire) prevent the transfer, despite reasonable precautions that we have taken.

Other exceptions stated in these terms and conditions.

Additional Card Benefits

Each Card comes with the benefit of AAA Global Advantage Service, Visa Purchase Security and Visa Emergency Assistance Services, and Zero Liability Protection. For further details of these please see the terms and conditions attached.

Errors or Questions

If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at 1-866-866-8140, e-mail us at aaaprepaidcards@travelex.com or write to us at Worldwide House, Thorpe Wood, Peterborough, PE3 6SB, England marked for the attention of “AAA Prepaid Card Services”. If you tell us orally, we may require that you send your claim or question in writing within 10 business days.

We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error.

Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of documents that we used in our investigation.

Unauthorized Use of Your Card

Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days.

Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 1-866-866-8140. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Termination

We reserve the right to terminate this Agreement or any of the services that are described herein by giving you written notice. You may, at any time, terminate this Agreement by calling us, toll-free, at 1-866 866 8140. Termination will not affect any of our rights or your obligations arising under this Agreement prior to termination.

Amendment

We may amend these terms and conditions at any time by adding, deleting or changing provisions in compliance with the applicable notification requirements of federal law and the laws of the State of Delaware. However, if the change is made for security purposes, we can implement it without prior notice.

Assignment

We may at any time and without notice to you assign the Card, this Agreement or any of our rights or obligations under the Card or this Agreement to any person or entity. The person or entity to which we make any such assignment shall be entitled to all our rights and/or obligations under this Agreement, to the extent assigned.

Privacy

Please refer to the enclosed insert for our policies on information collection and sharing.

Governing Law

This Agreement is made in Delaware. It is governed by the laws of the State of Delaware, without regard to its conflict of law principles and by any applicable federal laws.

Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.

If any term of this Agreement is found to be invalid, the rest remains effective. Our failure or delay in exercising any of our rights under this Agreement does not mean that we are unable to exercise those rights later.

We may waive any of the provisions or conditions of this Agreement, but any such waiver shall be effective only on that occasion and shall not be construed as a continuing waiver of the waived term on any other occasion.

AAA Global Advantage Service

Emergency Cash: You will be able to obtain emergency cash in many countries following the loss or theft of your cash, credit cards and/or travelers cheques within limits set by us from time-to-time (currently 1000 US$). Having established sufficient means of payment (generally by means of a credit or payment card) arrangements will be made for collection by you from the nearest available location and details of opening hours, address, telephone number and availability provided.

Lost or Stolen Travelers Cheque Assistance: If certain of your MasterCard or VISA International travelers cheques have been lost or stolen, you will receive assistance in how to report their loss and refund advice. If authorized by the issuer to make a refund you will be advised of the nearest available location for collection and be provided with details of opening hours, address, telephone number and availability. In some cases cash rather than replacement cheques may be given.

This service covers Interpayment Services Limited and Thomas Cook travelers cheques and some others but for those brands of cheques where payment is not authorized the contact telephone number for the issuer will be advised.

Lost or Stolen Passport Assistance: If your passport has been either lost or stolen, advice is available of the telephone numbers, address and opening hours of the nearest consulate or embassy and advise on the processes for a replacement. Arrangements can be made to contact friends or relatives on your behalf to assist in providing any documentation required.

Lost or Stolen Card Assistance: Provides assistance in reporting the loss or theft of credit cards, charge cards or debit cards whilst you are away from home. You will be advised on the procedure to follow and in extreme cases where you cannot make contact with your card issuer attempts will be made to report the loss on your behalf.

This service is not available for store cards, loyalty cards, affinity group cards, or other cards that are not general-purpose credit or payment cards. No responsibility is taken if the card issuer fails to act upon any report and some issuers will only accept instructions from a cardholder personally.

VISA TRAVELMONEY PURCHASE SECURITY

PROGRAM DESCRIPTION
Effective 4/1/04

What is Purchase Security protection?

Purchase Security will replace, repair items, or reimburse you up to a maximum of $500 per claim and $50,000 per registered cardholder for eligible items of personal property purchased entirely with your eligible Visa TravelMoney card for the first ninety (90) days from the date of purchase in the event of theft, damage due to fire, vandalism, accidentally discharged water, or weather.

Who is eligible for this protection?

To be eligible for this coverage, you must be a valid registered cardholder of an eligible U.S.-issued Visa TravelMoney card. Only purchases made by the registered cardholder will be covered.

What items are covered?

Your eligible purchases are protected against damage due to the following:

_ Fire, smoke, lightning, explosion, riot, or vandalism.

_ Windstorm, hail, rain, sleet, or snow.

_ Aircraft, spacecraft, or other vehicles.

_ Theft (except from autos or motorized vehicles).

_ Accidental discharge of water or steam from household plumbing.

_ Sudden accidental damage from electric current. (This coverage does not apply to electronic components.)

What items are not covered?

_ Animals and living plants.

_ Antiques and collectible items.

_ Broken items, unless damage is the result of a covered occurrence.

_ Computer software.

_ Items damaged as a result of weather other than lightning, wind, hail, rain, sleet, or snow.

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

_ Items stolen from automobiles and other vehicles and common carriers.

_ Items that mysteriously disappear. “Mysterious Disappearance” means the vanishing of an item in an unexplained manner where there is an absence of evidence of a wrongful act by a person or persons.

_ Items under the care and control of a common carrier (including U.S. Postal Service, airplanes, or delivery service).

_Jewelry and watches from baggage unless hand-carried and under your personal supervision, or under the supervision of your traveling companion who is previously known to you.

_Losses resulting from abuse, fraud, hostilities of any kind including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects.

_Losses resulting from misdelivery or voluntary parting with property.

_Medical equipment.

_Perishables, consumables, boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.

_Real estate and items which are intended to become part of real estate.

_Traveler's checks, cash, tickets, and any other negotiable instruments.

Are gifts covered?

Yes, as long as you purchased the gift entirely with your eligible Visa TravelMoney card and it meets the terms and conditions of the program.

Are purchases outside the United States covered?

Yes, as long as you, the registered cardholder, purchased the item entirely with your registered Visa TravelMoney card and it meets the terms and conditions of the program.

Do I need to register my purchases?

No, your eligible items are automatically covered.

Do I need to keep copies of receipts or any other records?

Yes. If you want to file a claim, you will need copies of your Visa TravelMoney card receipt and your store receipt that clearly identifies that the eligible purchase was made using the registered Visa TravelMoney card.

How do I file a claim?

Call the Program Administrator at 1-800-525-1466 within sixty (60) days of loss or damage.

Please note: you do not give such notice within sixty (60) days after the loss or damage, your claim may be denied. The representative will ask you for some preliminary claim information and send you the appropriate claim form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of loss or damage.

Gift recipients of eligible items may also handle the claim process if you wish. However, the gift recipient must provide all of the documents necessary to fully substantiate the claim.

What documents do I need to submit with my claim?

Your claim must contain the time, place, cause, and amount of the theft or damage, together with all of the following documentation substantiating your loss:

_ Your completed and signed claim form.

_ Your Visa TravelMoney card receipt.

_ The itemized store receipt that clearly identifies that the eligible item was purchased with your Visa TravelMoney card by the registered cardholder.

_ A police report (made within 48 hours of the occurrence in the case of theft) , fire report, insurance claim, or other report sufficient to determine eligibility for benefits.

_ A copy of your insurance declaration page, when applicable.

_ Documentation (if available) of any other settlement of the loss.

_ Any other documentation deemed necessary to substantiate your claim.

All claims must be fully substantiated as to the time, place, cause, and amount of damage or theft. In most cases, you will be asked to send, at your expense , the damaged item to substantiate the claim. Retain the item in the event it is requested by the Program Administrator.

How will I be reimbursed?

Depending on the nature and circumstances of the incident, the insurance provider, at its sole discretion , may choose to handle your claim in one of two ways:

1.The lost or damaged item (whether wholly or in part) may be repaired or rebuilt, or the stolen item may be replaced. If this option is chosen, you will usually be notified of the decision within fifteen (15) days following receipt of the required proof-of-theft/damage documentation.

2.You may be reimbursed for the eligible item, but not more than the original purchase price of the covered item as recorded on your registered Visa TravelMoney card receipt up to a maximum of $500 per claim occurrence. Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents.

Do I have to file a claim with my insurance company?

Yes. If you have personal (i.e. homeowner's, renter's, or automobile) insurance, you are required to file a claim with your insurance company and to submit a copy of any claims settlement from your insurance company along with your claim form.

In some cases, at the option of the Program Administrator, where the claim amount is within your personal insurance deductible, a copy of your personal declaration page may be sufficient.

Note: Purchase Security provides coverage on an “excess”coverage basis.

That means it does not duplicate, but pays in excess of, valid and collectible insurance or indemnity (including, but not limited to, homeowner's, renter's, automobile, or employer's insurance policies). After all insurance or indemnity has been exhausted, Purchase Security will cover the loss up to the amount debited from the account linked to your eligible Visa TravelMoney card, and subject to the terms, exclusions, and limits of liability of the program. Purchase Security will also pay for the outstanding deductible portion of your insurance or indemnity for eligible claims. The maximum limit of liability is $500 per claim occurrence, and $50,000 per cardholder. You will receive no more than the purchase price as recorded on the registered Visa TravelMoney card receipt. Where a protected item is part of a pair or set, you will receive no more than the value (as described herein) of the particular part or parts, stolen or damaged, regardless of any special value that the item may have as part of such a pair or set, nor more than the proportionate part of an aggregate purchase price of such pair or set. Purchase Security is not “contributing” insurance, and this “non-contribution” provision shall take precedence over “non-contribution” provisions found in other insurance or indemnity descriptions, policies, or contracts.

Program Provisions for Purchase Security: This protection provides benefits only to you, the registered Visa TravelMoney cardholder, and to whomever receives the eligible gifts you purchase with your registered Visa TravelMoney card.

The Program Administrator reserves the right to contact your Visa TravelMoney card Issuer to identify the registered cardholder. Coverage is only provided to eligible purchases made by the Visa TravelMoney Cardholder.

You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by this Program. The Provider will not unreasonably apply this provision to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled.

The Provider, in issuing this policy, relies on the truth of statements made in the Declarations and/or application of each cardholder and policyholder. Each cardholder and policyholder agrees that such representations are accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact by the cardholder or policyholder.

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the damage or theft. No payment will be made on a claim that is not completely substantiated in the manner required by the Program Administrator within six (6) months of the date of damage, theft, or product failure.

After the Provider has paid your claim of loss or damage, all your rights and remedies against any party in respect of this loss or damage will be transferred to the Provider to the extent of the cost of the Provider's payment to you. You shall give the Provider any assistance necessary to secure its rights and remedies—including the execution of all documents—and the Provider shall be entitled at its own expense to bring suit in your name.

No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. No legal action against us may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against us unless all the terms of the Program Guide and policy have been complied with fully.

The Visa Purchase Security Program is a service provided to registered Visa TravelMoney cardholders in accordance with the policy underwritten by Indemnity Insurance Company of North America.

Coverage is subject to the terms and conditions outlined and includes certain restrictions, limitations, and exclusions. This Program Guide is not a policy of insurance. In the event of any conflict between this Program Guide and the policy, the policy will govern. The policy is on file at the offices of Visa U.S.A.

The program described in this Guide will not apply to Visa TravelMoney cardholders whose accounts have been suspended or canceled.

This service is provided to registered Visa TravelMoney cardholders at no additional cost. The terms and conditions contained in this Program Guide may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Program Guide mailings, statement inserts, or statement messages.

Visa and/or your Financial Institution can cancel or non-renew the coverage, and if we do, we will notify you at least thirty (30) days in advance. If the insurer non-renews or cancels any coverages provided to eligible Visa TravelMoney cardholders, you will be notified within 30–120 days before the expiration of the policy. In the event substantially similar coverage takes effect without interruption, no such notice is necessary. Coverage will still apply on transactions made prior to the date of such cancellation or nonrenewal provided all other terms and conditions of coverage are met.

FORM #VTMPS (03-04)

Visa Emergency Assistance Service

This coverage and description supersedes any coverage and description you may have received earlier. Please read and retain for your records.

Travel & Emergency Assistance
Effective 3/1/04

What is Travel & Emergency Assistance?

Help when you don't know where to turn. You can count on a wide range of Visa emergency services available whenever and wherever you need them, 24 hours a day, 365 days a year.

We will make every reasonable effort to respond when you have an emergency—even if you need assistance beyond the services listed here. Please understand that, due to occasional problems such as distance, location, or time, neither Visa nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other service.

Who is eligible for Travel & Emergency Assistance?

You, your spouse, and your children (provided the children are dependents under 22 years old) may all take advantage of these special emergency services.

How do I get these services?

They're as close as the nearest phone. You simply call the Program Administrator at 1-800-992-6029 any hour of the day or night.

If you are outside the United States, call collect at 0-804-673-1675.

Is there a charge for these services?

No. Visa Travel & Emergency Assistance is available to eligible Visa cardholders at no additional charge.

Please note: Visa Travel & Emergency Assistance provides assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.

What are the specific services and what do they provide?

Visa Travel & Emergency Assistance will put you in touch with the appropriate emergency services should the need arise. Here are some of the ways we can help:

Emergency Message Service can record and relay emergency messages for travelers, immediate family members, or business associates. NOTE: Visa will use reasonable efforts to relay emergency messages in accordance with program guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully.

Medical Referral Assistance provides medical referral, monitoring, and follow-up. The Program Administrator can give you names of English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor your condition, keep in contact with your family, and provide continuing liaison; and help you arrange medical

payments from your Visa or personal account. NOTE: All costs are your responsibility.

Legal Referral Assistance can arrange contact with English speaking attorneys and with U.S. embassies or consulates if you're detained by local authorities, have a car accident, or need legal

assistance. In addition, the Program Administrator can coordinate bail payment from your Visa or personal account. The Program Administrator can also follow up to make sure bail has been

properly handled. NOTE: All costs are your responsibility.

Emergency Transportation Assistance can help you make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This even includes arranging to bring your young children home and staying in contact with family members or employers. In the case of a death, the Program Administrator can make arrangements for returning the remains

of the deceased home. NOTE: All costs are your responsibility.

Emergency Ticket Replacement helps you with the carrier's lost ticket reimbursement procedures if you should lose your ticket and can arrange delivery of a replacement ticket to you. NOTE: All costs are your responsibility.

Lost Luggage Locator Service can help you through the common carrier's claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage. The Program Administrator can also arrange a cash advance with your Visa issuing bank. However, you are responsible for the cost of any replacement items shipped to you. _ Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available, when you need more extensive assistance. NOTE: All costs are your responsibility.

Prescription Assistance and Valuable Document Delivery Arrangements can help you get prescriptions filled or replaced, subject to local laws, and can even arrange pickup and delivery of prescriptions filled for you at local or nearby pharmacies. It can also help transport critical documents which you may have left at home or elsewhere. NOTE: All costs are your responsibility.

Pre-Trip Assistance can give you information on your destination before you leave—information such as ATM locations, currency exchange rates, weather reports, health precautions, immunizations, and required passport visas.

Program Provisions for Travel & Emergency Assistance : The program described in this Guide will not apply to Visa cardholders whose accounts have been suspended or cancelled. The terms and conditions contained in this Program Guide may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Program Guide mailings, statement inserts, or statement messages. For general questions regarding this benefit, call the Program Administrator at 1-800-992-6029. If you are outside the United States, call collect at 0-804-673-1675.

FORM #VTEA (03/04)