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Signify Business Cash World Elite Mastercard® Credit Card Guide to Benefits

Section 1 - Protection Benefits

Section 2 - Travel Benefits

Section 3 — Business Services

Your Guide to Benefits describes the benefits in effect as of 11/01/2023. Benefits information in this guide replaces any prior benefits information you may have received. Please read this guide in its entirety and retain for Your records. While you may not be eligible for coverage of losses under one benefit, you may qualify for coverage under a different benefit.

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

Section 1 - Protection Benefits

  • Mastercard ID Theft Protection™

    Program Description:

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

    Eligibility:

    All Mastercard small business cardholders in the US are eligible for this coverage. Enrollment is required.

    Service Provider:

    ID Theft Protection is provided by Generali Global Assistance, Inc. More information about this service provider is available at: https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Access:

    To receive ID Theft Protection, you must enroll at: https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. ID Theft Protection is provided on a 24-hour basis, 365 days a year.  Contact 1-800-Mastercard if you believe you have been a victim of identity theft.

    Charges:

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

    Program Provisions for Mastercard ID Theft Protection:

    To receive ID Theft Protection, you must enroll as described above and such benefits related to ID Theft Protection accrue as of the date of enrollment. Mastercard ID Theft Protection is governed by the terms provided in this Guide to Benefits and the Terms and Conditions and Terms of Service available at: https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    The terms and conditions contained in this Guide to Benefits may be modified by subsequent mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the provider non-renews or cancels any services provided to eligible Mastercard cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar service takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-800-Mastercard or please see https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    ID Theft Protection Services Provided:

    1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS
      • Personally Identifiable Information (PII)
        • Compromised Credentials monitors for a combination of email address/username/password/security questions located within:
          • Hacker account dump sites
          • Hacktivist forums
          • Data leaks
          • Malware logs
        • Alerts are sent with event details, also listed within resolution console and most often includes source of breach (from where the data was harvested).
        • High-Risk Transactions monitors a Cardholder's high-risk transactions with more than 300 of the nation's largest companies to uncover and thwart account takeover attempts. Knowledge-Based Authentication (questions only an individual should know about themselves such as what street they lived on in 2009) used by organizations across industries limits the risk of identity theft or account takeover. Alerts are sent when a series of knowledge-based authentication questions are generated to validate the Cardholder's identity (i.e. when accessing a credit report). Monitored transactions include:
          • Credit cards
          • Bank accounts
          • Brokerage accounts
          • Healthcare portals
          • Workplace intranets
          • Other services (e.g. peer-to-peer fund transfers)
        • Dark Web Monitoring provides monitoring of underground web pages people can visit without third parties being able to trace the location of the web visitors or the web page publisher. Dark web sites make up about .01% of the Internet and are intentionally hidden or protected by encryption technologies and not accessible via standard web browsers.
      • Credit Information
        • Single Bureau Credit Monitoring monitors a Cardholder's TransUnion credit file for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. In order to use this service, Cardholders must provide some personal information, such as name, address, date of birth, and SSN, and undergo either digital verification via text or knowledge-based authentication. ID Theft Protection sends alert notification emails, such as change of address alerts, anytime potentially unauthorized inquiries or suspicious activities on Cardholder's credit file are detected so they can take immediate action to minimize damage.
      • Additional Information
        • Small Business ID Theft Protection upgrades ID Theft Protection identity monitoring services by adding URL and Domain monitoring to the existing list of monitored items. URL and Domain monitoring searches for the Cardholder's business URL and domain (limited to 10 domains) within corporate data breaches, malicious third-party botnets and criminal forums.
    2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY
      • Email Addresses
      • Debit/Credit Cards
      • Loyalty/Affinity Cards
      • Bank Account Numbers
      • Passport Numbers
      • Medical and Vehicle Insurance Cards
      • Drivers Licenses
      • National Identity Numbers/Social Security Numbers
      • New Lines of Credit
      • Address Changes
    3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE RESOLUTION OR SPECIALIST SUPPORT
      • Self-Service ID Theft Resolution Kit is a self-service resolution document which informs Cardholders of the different forms of ID theft, and how to resolve each situation. Resolution tools in the kit include preventive measures, step-by-step guides and sample letters to be sent to collection agencies.
      • Access to Resolutions Specialists which assigns a personal case manager to help take care of everything.
      • Self-Service ID Theft Wizard provides step-by-step advice for many identity theft scenarios that Cardholders may face. All ID Theft Protection users have access to the Identity Theft Protection Kit found in the Profile section of their portal, which explains the many forms of identity theft and provides protective measures anyone can take to limit their risk. The kit also contains a Federal Trade Commission sample affidavit form, as well as sample letter templates for filing disputes in cases of identity theft or fraud.
      • Online Fraud Alerts allow Cardholders to place a statement on their credit report that instructs lenders to contact the Cardholder before issuing new credit. This makes it more difficult for an identity thief to open new accounts in their name. When Cardholders place a fraud alert with one bureau, the other two bureaus are informed, and the alert is then placed on all three bureau files. Fraud alert placement is free, and alerts stay on the Cardholder credit files for one year.

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Section 2 - Travel Benefits

  • Mastercard Global Service™

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

    Australia ............................................................

    1-800-120-113

    Mexico ...............................................................

    001-800-307-7309

    Austria .................................................................

    0800-070-6138

    Netherlands .......................................................

    0800-022-5821

    France ................................................................

    0-800-90-1387

    Poland .............................................................

    0-0800-111-1211

    Germany ..........................................................

    0800-071-3542

    Portugal .............................................................

    800-8-11-272

    Hungary ................................................................

    06800-12517

    Spain ....................................................................

    900-822-756

    Ireland ...................................................................

    1-800-55-7378

    United Kingdom ................................................

    0800-96-4767

    Italy ......................................................................

    800-870-866

    Virgin Islands .....................................................

    1-800-307-7309

    For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at www.mastercard.com or call the United States collect at 1-636-722-7111. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Account Information and Card Benefits:

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

    ATM Locations:

    Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit our website at www.mastercard.com  to use our ATM locator. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

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  • Mastercard Travel and Lifestyle Services

    As a World Elite Mastercard® Cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more*. Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. As a Mastercard® Cardholder, you have access to a lifestyle manager that will help you plan your vacation – complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay Guarantee*** which deliver value and peace of mind. 
    *Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.
    **Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund you must submit a claim as described in the Terms & Conditions (available at http://travel.mastercard.com/product/terms) prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.  You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
    ***Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple – if you book your three-star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Ten Lifestyle Management Limited, the designated travel agent for the Mastercard Travel & Lifestyle Services program at toll-free (US) 1-855-802-1387 during your stay and a lifestyle manager will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations. Certain terms, conditions and exclusions apply. Full details are available at http://travel.mastercard.com/product/terms.  You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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  • Mastercard Airport Concierge™

    Your passport to the finer side of air travel.

    Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit www.mastercard.com/airportconcierge or consult your Travel Advisor. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. This benefit may be subject to change without prior notice. Please visit www.mastercard.us/worldelite or call 1-800-Mastercard for the latest benefit information. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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  • MasterRental Insurance Coverage

    Additional Key Terms: In addition to the Key Terms set forth above, in this MasterRental Insurance Coverage section, We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company.

    Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator can be reached by phone at 1-800-Mastercard.

    Authorized Driver(s) means a driver with a valid driver’s license issued from their state of residence and indicated on the Rental Agreement.

    Damage     means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.

    Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms (as supplemented or modified by the Additional Key Terms), and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms (as supplemented or modified by the Additional Key Terms) or Legal Disclosures are not a part of your coverage.

    Rental Agreement means the entire agreement or contract that you receive when renting a Vehicle from a Vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties thereunder.

    Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that are designed to accommodate less than nine (9) passengers.

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

    • To get coverage: You must initiate and then pay for the entire Rental Agreement (tax, gasoline, and airport fees are not considered rental charges) with your Covered Card and/or the accumulated points from your Covered Card at the time the Vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental Vehicle, at least one (1) full day of rental must be billed to your Covered Card. You must decline the optional collision/Damage waiver (or similar coverage) offered by the rental company. You must rent the Vehicle in your own name and sign the Rental Agreement. Your Rental Agreement must be for a rental period of no more than thirty-one (31) consecutive days. Rental periods that exceed or are intended to exceed thirty-one (31) consecutive days are not covered.
    • The kind of coverage you receive: We will pay for the following on a primary basis:
      • Physical Damage and theft of the Vehicle, not to exceed the limits outlined below.
      • Reasonable loss of use charges imposed by the Vehicle rental company for the period of time the rental Vehicle is out of service. Loss of use charges must be substantiated by a location and class-specific fleet utilization log.
      • Towing charges to the nearest collision repair facility.
      • Theft or Damage to personal effects in transit in the rental Vehicle or in any building en route during a trip using the rental Vehicle. You must first file under other applicable insurance (e.g., home or business), and then we’ll cover whatever is not covered by your insurance under our Secondary Personal Effects Insurance. Maximum coverage per rental period is $1,000 per covered person, per occurrence. The total benefits per rental period cannot exceed $2,000.
      • This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for any Damages to other Vehicles or property. It does not cover you for any injury to any party.
    • Coordination of benefits: When MasterRental is provided on a secondary basis and a covered loss has occurred, the order in which benefits are determined is as follows:
      1. You or an Authorized Driver’s primary auto insurance;
      2. Collision/Damage waiver provided to you by the rental agency;
      3. Any other collectible insurance;
      4. The coverage provided under this EOC.

      If you or an Authorized Driver’s primary auto insurance or other coverage has made payments for a covered loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the other insurance.

      Note: In certain parts of the United States and Canada, losses to rental Vehicles that are covered by your personal Vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Contact your insurance provider for full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).
      If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, coverage is considered primary coverage.

    • Who is covered: The Covered Card Cardholder and those designated in the Rental Agreement as Authorized Drivers.
    • Excluded rental vehicles:
      • All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), cargo vans, campers, off-road Vehicles, and other recreational Vehicles.
      • All sport utility trucks. These are Vehicles that have been, or can be converted to an open, flatbed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
      • Trailers, motorbikes, motorcycles, and any other Vehicle having fewer than four (4) wheels.
      • Antique Vehicles (Vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.
    • Where you are covered: Coverage is available worldwide. Coverage is not available in countries where: a) This EOC is prohibited by that country’s law; or b) The terms of the EOC are in conflict with the laws of that country.
    • Coverage limitations: We will pay the lesser of the following: a) The actual repair amount; b) Wholesale market value less salvage and depreciation; c) The rental agency’s purchase invoice less salvage and depreciation. 
      In addition, coverage is limited to $500 USD per incident for reasonable loss of use charges imposed by the Vehicle rental company for the period of time the rental Vehicle is out of service. We will not pay for or duplicate the collision/Damage waiver coverage offered by the rental agency.

    • What is NOT covered: 

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

    • How to file a claim:

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

    MasterRental Legal Disclosure

    This MasterRental Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the Account Holder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility). The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company. This MasterRental Guide to Benefits is a summary of benefits provided to you. The above Key Terms (as supplemented or modified by the Additional Key Terms) and EOC are governed by the Group Policy.

    Effective date of benefits: Effective October 27, 2020, this MasterRental Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes. 

    Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all Cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. 

    Benefits to you: These benefits apply only to the Cardholder whose cards are issued by U.S. financial institutions. The United States for purposes of this section is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the Cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and Damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage. 

    Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim Administrator for these benefits. 

    Misrepresentation and Fraud: Benefits shall be void if the Cardholder has concealed or misrepresented any material facts concerning this coverage. 

    Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved dispute concerning this EOC (including the cost of, lack of, or actual repair or replacement arising from a loss or breakdown). Under this Arbitration provision, You give up your right to resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law. To start arbitration, the disputing party must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called an "umpire." Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the arbitration will take place in the county and state in which you live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (www.adr.org) will apply to any arbitration under this EOC. The laws of the state of New York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, construction, performance and enforcement of this EOC. 

    Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or Damage to the property insured under these programs. "Due diligence" means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item. 

    Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or Cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the Cardholder. 

    Salvage: If an item is not repairable, the claim Administrator may request that the Cardholder or gift recipient send the item to the Administrator for salvage at the Cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim Administrator may result in denial of the claim.

    Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language. 

    Non-Contribution: In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies. 

    Severability of Provisions: If in the future any one or more of the provisions of this MasterRental Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed "severable" from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable. Benefits listed in this MasterRental Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this MasterRental Guide to Benefits does not guarantee coverage or coverage availability.

    This MasterRental Guide to Benefits is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an Issuer’s, or Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.

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  • Baggage Delay Reimbursement

    If the Covered Traveler’s Common Carrier Checked Baggage is delayed on a Trip, You are eligible for reimbursement for the cost of essential personal items until their baggage arrives.

    To be eligible for coverage under this benefit, the following must occur:

    • Your Covered Card and/or rewards program associated with Your covered Account must be used to purchase the entire cost of the Covered Traveler’s Common Carrier fare, less redeemable certificates, vouchers, or coupons.
    • The Covered Traveler’s Checked Baggage is delayed or misdirected by the Common Carrier and doesn’t get to their destination within four (4) hours of arrival.

    How Long are You Covered

    From Trip Departure Date to Trip Completion Date. 

    There is no coverage when Checked Baggage is delayed when the Covered Traveler is returning to their point of origin.

    Maximum Coverage per Trip

    $300 per Covered Traveler per Trip For New York residents:

    • $300 per Covered Traveler per Trip
    • $300 in total for all Covered Travelers per Trip

    Maximum Coverage per 12 Month Period per Covered Card

    $300

    The coverage provided by this benefit is secondary. This means if the Common Carrier or another source reimburses the Covered Traveler(s) for any expenses, this benefit will cover only amounts that have not been previously reimbursed.

    Definitions

    • Account means a Wells Fargo Bank, N.A. credit card account.
    • Checked Baggage means suitcases or personal belongings, for which a claim check has been issued to the Covered Traveler by a Common Carrier.
    • Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
    • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
    • Trip means travel on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers, or coupons, has been purchased with the Covered Card and/or rewards program associated with Your covered Account, and that begins and ends at the places designated on the ticket purchased for the Trip.
    • Trip Completion Date means the date on which the Covered Traveler(s) are scheduled to return to their point of origin or to a different final destination.
    • Trip Departure Date means the date on which the Covered Traveler(s) are originally scheduled to leave on the Common Carrier.
    • We, Us or Our means the insurance company that provides these benefits for the Covered Card. 
    • You or Your means the person whose name is embossed on the Covered Card.

    WHO'S COVERED

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

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

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

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

    WHAT'S COVERED

    This benefit covers personal items that the Covered Traveler(s) may need when their baggage is delayed, such as toiletries or a change of clothes, unless they’re included in the "What’s Not Covered" list below.

    WHAT'S NOT COVERED

    Coverage does not apply to the following items:

    • Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs.
    • Jewelry, loose gems, semi-precious or precious stones, metals and pearls.
    • Watches.
    • Items not contained in delayed Checked Baggage.
    • Cash, securities, credit or debit cards, and any other negotiable instrument (such as any form of checks, money orders and promissory notes).
    • Tickets of any kind (e.g., for airlines, sporting events, concerts or lottery).
    • Documents (travel or otherwise), keys, coins, deeds, bullion, and stamps.
    • Art objects.
    • Rugs, carpets, and household furniture.
    • Cameras, electronic equipment and cellular telephones.
    • Sporting equipment.
    • Animals, including live or mounted animals or fish, and taxidermy.
    • Property shipped as freight or shipped prior to the Trip Departure Date.
    • Loss resulting from abuse, fraud, or hostilities of any kind (including but not limited to, war, invasion, rebellion, or insurrection).
    • Losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials.
    • Business items (items that are used in the purchase, sale, production, promotion, or distribution of goods or services including but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.).

    HOW TO FILE A CLAIM

    Make sure the Covered Traveler notifies the airline (or other Common Carrier) before leaving the airport or station, and keeps a copy of any report provided.

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

    To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify Us of the loss within twenty (20) days of the loss or as soon as possible.

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

    • A copy of Your entire monthly billing statement (showing the last four (4) digits of the Account number) confirming the Common Carrier ticket was charged to Your Covered Card and/or rewards program associated with Your covered Account.
    • A copy of the Covered Traveler’s travel itinerary confirming the Common Carrier ticket was charged to Your Covered Card and/or rewards program associated with Your covered Account.
    • If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized.
    • A copy of the check, settlement, denial, or explanation of coverage issued by the Common Carrier together with a copy of the Common Carrier’s completed claim form, and a copy of the Checked Baggage claim check.
    • Receipts for essential items purchased while Checked Baggage was delayed.
    • A copy of any settlement payment or reimbursement/denial made to a Covered Traveler from other collectible insurance/reimbursement showing any amounts they may have paid towards the costs claimed or that the claim was denied.
    • A copy of the declarations page(s) of any other collectible insurance available to a Covered Traveler (Declarations page means the document(s) in the insurance policy that lists names, coverages, limits, effective dates and deductibles).
    • If You have no other applicable insurance or reimbursement, please provide a statement to that effect.
    • Any other documentation required to substantiate the claim.

    Return all requested documents within ninety (90) days of loss or as soon as reasonably possible. We will notify You of our decision once We’ve processed Your claim.

    Refer to Additional Terms for more information.

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  • $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance

     If You suffer a covered Loss due to an Accident while on a trip, We may provide payment.

    To be eligible for coverage under this benefit, the Covered Card and/or rewards program associated with Your covered Account must be used to purchase the entire cost of Your Common Carrier fare less redeemable certificates, vouchers, or coupons.

    How Long are You Covered

     From Trip Departure Date through Trip Completion Date when:

    • riding as a passenger in, entering or exiting the Common Carrier for which the fare was purchased with the Covered Card and/or rewards program associated with Your covered Account;
    • riding as a passenger in, entering or exiting any mode of transportation licensed to carry the public for hire (such as taxi, rideshares (e.g., Uber or Lyft), bus, train or airport limousine) or any courtesy transportation provided without a specific charge (e.g., hotel shuttle), while traveling to or from the airport, terminal or station for which the Common Carrier fare was purchased with the Covered Card and/or rewards program associated with Your covered Account:
      • immediately preceding the departure of the scheduled Common Carrier on which You are a passenger; or 
      • immediately following the arrival of the scheduled Common Carrier on which You were a passenger;
    • while at the airport, terminal or station at the beginning or end of the Trip.

    If the purchase of the Common Carrier fare is not made prior to Your arrival at the airport, terminal or station, coverage will begin at the time the Covered Card and/or rewards program associated with Your covered Account  is used to purchase the entire cost of Your Common Carrier fare less redeemable certificates, vouchers, or coupons.

    Maximum Coverage

    $250,000 per Account

    Coverage terminates on the date which We pay out 100% of the Maximum Coverage.

    Definitions

    • Accident or Accidental means a sudden, unforeseen, and unexpected event which: 1) happens by chance; 2) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; 3) is the direct cause of Loss.
    • Account means a Wells Fargo Bank, N.A. credit card account.
    • Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
    • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
    • Domestic Partner means a committed relationship between two unmarried adults, in which the partners 1) are each other’s sole Domestic Partner; 2) maintain a common residence; 3) share financial obligations if both are employed, such as a joint mortgage or lease, joint bank account, joint title to or ownership of a motor vehicle or status a joint lessee on a motor vehicle lease or a joint credit card account with a financial institution; 4) are not married or joined in a civil union to anyone else or are not the Domestic Partner of anyone else; and 5) are not blood related.
    • Family Member means Your: 1) spouse or Domestic Partner; 2) children including adopted children or stepchildren; 3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or parents-in-law; 6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and nephews. Family Member also means a spouse’s or Domestic Partner’s children, including adopted children or step children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.
    • Loss means Accidental: Loss of Foot, Loss of Hand, Loss of Hearing, Loss of Life, Loss of Sight, Loss of Sight of One Eye, Loss of Speech, Loss of Thumb and Index Finger. Loss must occur within one (1) year after the Accident. 
    • Loss of Foot means the complete severance of a foot through or above the ankle joint. We will consider such severance a loss of foot even if the foot is later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional benefit amount for such amputation.
    • Loss of Hand means complete severance, as determined by a Physician, of at least four (4) fingers at or above the metacarpal phalangeal joint on the same hand or at least three (3) fingers and the thumb on the same hand. We will consider such severance a loss of hand even if the hand, fingers or thumb are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional benefit amount for such amputation.
    • Loss of Hearing means permanent, irrecoverable and total deafness, as determined by a Physician, with an auditory threshold of more than 90 decibels in each ear. The deafness cannot be corrected by any aid or device, as determined by a Physician.
    • Loss of Life means death, including clinical death, as determined by the local governing medical authority where such death occurs within one (1) year after an Accident.
    • Loss of Sight means permanent loss of vision. Remaining vision must be no better than 20/200 using a corrective aid or device, as determined by a Physician.
    • Loss of Sight of One Eye means permanent loss of vision of one eye. Remaining vision in that eye must be no better than 20/200 using a corrective aid or device, as determined by a Physician.
    • Loss of Speech means the permanent, irrecoverable and total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician.
    • Loss of Thumb and Index Finger means complete severance, through the metacarpal phalangeal joints, of the thumb and index finger of the same hand, as determined by a Physician. We will consider such severance a loss of thumb and index finger even if a thumb, an index finger or both are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional benefit amount for such amputation.
    • Physician means a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include You or a Family Member.
    • Trip means travel on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers, or coupons, has been purchased with the Covered Card and/or rewards program associated with Your covered Account.
    • Trip Completion Date means the date on which You are scheduled to return to their point of origin or to a different final destination.
    • Trip Departure Date means the date on which You are originally scheduled to leave on the Trip.
    • We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
    • You or Your means the person whose name is embossed on the Covered Card.

    WHAT'S COVERED

    To receive payment under this benefit, the covered Loss must be caused by an Accident that occurs while on a Trip as defined under How Long are You Covered.

    100% of the Maximum Coverage for covered Losses

    50% of the Maximum Coverage for covered Losses

    25% of the Maximum Coverage for covered Losses

    For Accidental:

    • Loss of Life;
    • Loss of Speech and Loss of Hearing;
    • Loss of Speech and one of: Loss of Hand, Foot or Sight of One Eye;
    • Loss of Hearing and one of: Loss of Hand, Foot or Sight of One Eye;
    • Loss of both Hands, both Feet, Loss of Sight or any combination thereof

    For Accidental:

    • Loss of Hand, Foot or Sight of One Eye (any one of each);
    • Loss of Speech or Loss of Hearing

    For Accidental:

    • Loss of Thumb and Index Finger of the same hand

    Loss must occur within one (1) year after the Accident.

    If You suffer multiple Losses as the result of one Accident, then We will only pay the single largest benefit amount applicable to all such Losses.

    WHAT'S NOT COVERED

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

    • Riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. (This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.);
    • Death or injury from emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. (This exclusion does not apply to bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.);
    • Being intoxicated or being under the influence of any narcotic unless taken as prescribed by a Physician;
    • Participating in parachute jumping from an aircraft;
    • Traveling or flying on any aircraft engaged in flight on a rocket propelled or rocket launched aircraft.
    • Suicide, attempted suicide or intentionally self-inflicted injury;
    • A declared or undeclared War. War means 1) hostilities following a formal declaration of war by a governmental authority; 2) in the absence of a formal declaration of war by a governmental authority armed, open and continuous hostilities between two countries; or 3) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the geographic area of hostility.

    HOW TO FILE A CLAIM

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

    To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify Us of the Loss within twenty (20) days of the Loss or as soon as possible.

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

    • A copy of Your entire monthly billing statement (showing the last four (4) digits of the Account number) confirming the Common Carrier ticket was charged to Your Covered Card and/or rewards program associated with Your covered Account.
    • A copy of Your travel itinerary confirming the Common Carrier ticket was charged to Your Covered Card and/or rewards program associated with Your covered Account.
    • If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized.
    • Police report or accident report (if applicable).
    • Supporting medical documentation.
    • In the event of Loss of Life, a death certificate and validation of executor of estate.
    • Any other documentation required to substantiate the claim.

    The requested documents must be submitted within ninety (90) days of the Loss or the claim may not be honored. We will notify You of our decision once We’ve processed Your claim.

    In the case of Loss of Life, benefits will be paid to Your estate.

    Refer to Additional Terms for more information.

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  • Priority Pass™

    Airport lounge access provided by Priority Pass is available to all eligible Wells Fargo Signify Business Cash World Elite Mastercard® cardholders. Cardholders can use their Priority Pass digital membership card to access an airport lounge in a seamless way, as follows:

    • Eligible cardholders will have lounge membership with "pay as you go" lounge visits. Visit prioritypass.com/wellsfargosignify for current fee per visit, per person. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
    • Membership to 1,300+ Priority Pass lounges worldwide regardless of airline, frequent flyer membership or class of ticket.

    Priority Pass provides affluent cardholders the opportunity to relax, refresh and enhance their airport experience as they wait for their flight.

    Who Is Eligible:

    U.S. issued Wells Fargo Signify Business Cash World Elite Mastercard® cardholders.

    How Priority Pass Works:

    1. Before traveling, eligible cardholders can log on to their Priority Pass website (prioritypass.com/wellsfargosignify) to register.  You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Once registered, cardholders can view their account on the website or download the Priority Pass app and view a list of participating lounges and experiences.
    2. Eligible cardholders will enjoy complimentary refreshments, newspapers and television. In addition, there is access to business facilities including phone, fax, conference and Internet facilities (where available).
    3. To gain access to the lounges, an eligible cardholder only needs to quote "Priority Pass" at the participating lounge and present their Priority Pass Digital Membership Card (QR Code) found in the Priority Pass app.
    4. A list of participating lounges can be found and viewed using the Priority Pass website (prioritypass.com/wellsfargosignify) or app. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
    • Help and Support can be viewed online at https://memberhelp.prioritypass.com/en/support/home. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
    • Customer Support within the U.S. or Canada +1 800 352 2834 or if calling from outside of the U.S. or Canada +1 972 735 0536
    • Terms of Use can be viewed online at https://www.prioritypass.com/terms-of-use. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
    • Conditions of Use can be viewed online at https://www.prioritypass.com/conditions-of-use. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Refer to Additional Terms for more information.

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Section 3 - Business Services

  • Mastercard Merchant Offers

    Program Description:

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

    Eligibility:

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

    How to Use the Offers:

    Visit www.mastercard.us/businessoffers for information on how to avail the offers, including those offered through the Mastercard Easy Savings® platform. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Terms & Conditions:

    Visit www.mastercard.us/businessoffers for a full list of current digital merchant offers and applicable terms & conditions, including the Mastercard Easy Savings terms and conditions. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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  • Mastercard Business Assistant

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

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

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  • Mastercard Receipt Management

    Program Description: 

    Mastercard offers a mobile Receipt Management application for all Mastercard Small Business Card Cardholders in the United States at no additional charge. Business owners and employees can snap photos of receipts to store them securely in the cloud. This will help businesses to better understand their expenses and manage their financial health. Receipts are foundational to better cash management for small businesses and the Mastercard Receipt Management app helps them categorize expenses (including personal vs. business), attach detailed notes, easily export data, and view clear reporting. Sort and view stored receipts based on merchant name, purchase date, amount, or expense category. Once the information is in the system, easily export your receipt images and/or the associated expense data to share with a bookkeeper or accountant. 

    Eligibility and Activation: 

    To use the app simply search for and download the iOS or Android version of Mastercard Receipt Management from the Apple or Google app store. Then use your valid Mastercard Small Business Card (issued by a U.S. financial institution) to activate the mobile app.

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    These Additional Terms pertain to the Baggage Delay Reimbursement; and $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance only.

  • Additional Terms

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

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

    Baggage Delay Reimbursement; and $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance coverage ("Description of Coverage" or "DOC") is provided under a Group Policy of insurance issued by Virginia Surety Company, Inc. ("VSC"). The DOCs in this Guide are intended as a summary of benefits provided to You. The DOCs and all the information about these benefits listed in these Additional Terms is governed by the conditions, limitations, and exclusions of the Group Policy. 

    Privacy Notice:

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

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

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

    Effective date of benefits:

    Effective 11/01/2023, this Guide replaces all prior disclosures, program descriptions, advertising, and brochures by any party. We reserve the right to change the benefits and features of these programs at anytime.

    Cancellation:

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

    Benefits to You: These benefits apply to cards issued in the United States by Wells Fargo Bank, N.A. No person or entity other than You shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if Your card privileges have been cancelled. However, benefits will still apply prior to the date that Your account is suspended or cancelled, subject to the terms and conditions of coverage.

    Transfer of rights or benefits: No rights or benefits provided hereunder these benefits may be assigned without the prior written consent of the claim administrator for these benefits.

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

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

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

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

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

    Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property covered under these programs. "Due diligence" means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.

    Subrogation: If payment is made under this benefit, the provider is entitled to recover such amounts from other parties or persons. Any party who receives payment under this benefit must transfer to the provider his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.

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

    Secondary Insurance: Coverage is secondary to any other applicable insurance or indemnity available to You unless indicated within the Guide. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this Guide. In no event will insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies.

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

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

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© 2023 Mastercard.

© 2023 Wells Fargo Bank, N.A.

LS 9917

C 22749