Visa Cartao Beneficios

Visa Infinite

Standard benefits

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Table of Contents

Section A. Introduction

A.1. About this Guide ............................................................................................................ 03

A.2. Visa Infinite .................................................................................................................... 04

A.3. Definitions of the Benefits Described in this Guide ....................................................... 04

A.4. General Provisions of the Program ................................................................................ 07

Section B. Insurance Offered

B.1. Travel Insurance - Accidental Death and Permanent Disability in Authorized Public

Transportation ........................................................................................................................ 09

B.2. Personal Accident Insurance - Accidental Death and Permanent Total or Partial

Disability due to Accident (Travel Insured) ........................................................................... 13

B.3. Car Rental Insurance ...................................................................................................... 17

B.4. Baggage Delay Insurance ............................................................................................... 24

B.5. Baggage Loss Insurance ................................................................................................. 28

B.6. Trip Delay Insurance ...................................................................................................... 32

B.7. Trip Cancellation Insurance ............................................................................................ 34

B.8. Extended Warranty ....................................................................................................... 38

B.9. Purchase Protection ....................................................................................................... 42

B.10. Price Protection ............................................................................................................ 47

Section C. Other Benefits

C.1. Compensation for Medical Emergencies ..................................................................... 54

C.2. Travel Assistance Services ........................................................................................... 66

C.3. Emergency Services ...................................................................................................... 67

C.4. Visa Concierge ............................................................................................................... 68

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Section A. Introduction

A.1 About this Guide

This document is intended to be used as a guide for quick reference on the standard benefits

offered to the Visa Infinite Cardholders and their beneficiaries, as defined below.

Here, the cardholder will find information on emergency services, travel assistance, as well as

our diverse portfolio of insurance and coverage offered to protect purchases and Visa Infinite

cardholders, including travel accident insurance, baggage delay or loss insurance, purchase

protection, among others.

The full version of the insurance policy (SUSEP Process No. 08737100109690000043),

executed between Visa International Service Association (Visa) and Chartis Latin America,

I.I. (SUSEP codes No. 005.00160/00 International Travel, 005-00204/00 In-Country

Travel, 15414.002921/2009-69 Purchase Protection, 15414.002823/2009-21 Extended

Warranty, 15414.001459/2009-82 Civil Responsibility, 20- 000391/2012 Special

Condition: Auto Rental) is operated in Brazil by Chartis Seguros Brasil S/A, CNPJ/MF No

33.040.981/0001-50 (hereinafter referred simply as Chartis). Visa acts as merely the

policyholder in the insurance agreement and

acts before Chartis on behalf of the insureds,

having no obligation to make any payments in

their favor. The registration of the insurance

policy referred to in this guide with SUSEP

does not imply, by the local authority,

inducement or recommendation to its

commercialization.

The benefits referred to in Section C hereof, namely, Compensation for Medical Emergencies,

Travel Assistance, and Visa Concierge are offered to the Visa Infinite cardholders and their

beneficiaries by AXA Assistance USA, Inc. (AXA). The compensation for medical

emergencies provided in Section C will be offered during an eligible trip as defined in Section

C. Other benefits offered in Section C have worldwide coverage and those benefits stem from

a relationship of services rendered which exists between Visa and AXA. Visa is merely taker

of the services of AXA and acts before it on behalf of the beneficiaries, with no obligation to

making any payments in their favor.

Enjoy reading and refer to this guide whenever you have any doubts about the benefits offered

by your Visa Infinite Card. Below you will find some information about this product.

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A.2. Visa Infinite Visa Infinite is Visas most complete and exclusive card, developed for special customers. It

is intended for affluent consumers who are frequently travelling abroad and require the full

availability of services, insurance and credit.

Visa Infinite offers the inclusion of all the benefits Visa offers.

The Visa Infinite Card is accepted in more than 30 million merchants, in 150 countries and

territories, and can be used to withdraw cash in local currency in more than one million

ATMs.

For more information on the benefits provided by your Visa Infinite Card, please access

www.visa-infinite.com, or contact by phone the following numbers through toll free: 0800

891-3679 (Brazil), 1-800-396-9665 (USA and Canada), or collect calls: 1-303-967-1098

(other countries).

A.3. Definitions of the Benefits described in this Guide*

(* = specific restrictions may apply. Please refer to the specific section of the benefit in

question)

BENEFICIARIES: The Visa Infinite CARDHOLDER, his/her spouse and children

considered ECONOMICALLY DEPENDENT, minor of 23 years of age, under - the benefits

provided for in Section C, subject to the provisions of applicable laws.

CUSTOMER SERVICE: Communication channel and available facilities (equipment,

systems and staff) which purpose is to make the interface between Visa and customers. It can

be accessed through the following telephone numbers: 0800-891-3679 (Brazil), 1-800-396

9665 (USA and Canada) and 1-303-967-1098 (other countries), and can always be made by

collect call.

INSURANCE COMPANY: Chartis Seguros Brasil S/A, CNPJ/MF No. 33.040.981/0001-50.

INSURED: An active CARDHOLDER, his/her spouse and unmarried dependent children

under age 23, under the benefits provided for in Section B.

SEVERE WEATHER CONDITIONS: any weather condition that causes a delay in the

arrival time and/or departure of a given MEANS OF TRANSPORTATION, as originally

contracted with a TRANSPORTATION COMPANY.

SPOUSE: person related to the CARDHOLDER by marriage or common-law marriage

(unio estvel), under the applicable laws in force.

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ECONOMIC DEPENDENTS: CARDHOLDERs single children and under 23 years old

who cumulatively: (a) reside with the CARDHOLDER or are under his/her responsibility; and

(b) are financially supported by the CARDHOLDER. This definition includes the

CARDHOLDERs stepchildren.

DISMEMBERMENT: loss of members of the body, as well as of sight, speech or hearing.

TRANSPORTATION COMPANY: company that operates a MEANS OF

TRANSPORTATION, including an AIRLINE COMPANY.

AIRLINE COMPANY: company listed in the Official Airline Guide (OAG) or in the ABC

World Airways guide and that has a license, certificate or similar authorization for the regular

air transportation issued by the competente authorities of the country in which the aircraft is

registered and, in accordance with such authorization, maintains and publishes flight

schedules and service fees to passengers for flights between airports at regular and specific

schedules.

EQUIPMENT FAILURE: any sudden and

unforeseen damage to the equipment of a

TRANSPORTATION COMPANY that causes a

delay or interruption of the scheduled COVERED

TRIP.

CLAIM FORM: document to be supplied by

CUSTOMER SERVICE, upon notification of an

incident or request for benefit, which must be filled

out and returned together with the required

documents within the deadlines for each of the

benefits presented.

MEANS OF TRANSPORTATION: any means of

transport operated by a TRANSPORTATION COMPANY under a valid license for paid

transportation of passengers, including:

AIR: aircraft operated by an AIRLINE COMPANY, duly authorized by the

competent authorities to operate regular scheduled flights;

LAND AND SEA: all those included in this definition, WITH THE

EXCLUSION OF (i) rental vehicles, except those that have been rented by a

TRANSPORTATION COMPANY for paid transportation of passengers; (ii)

taxis, (iii) car rental companies transfers, hotels or parking outside the

boundaries of the airport;

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TRANSFERS used immediately before boarding or after disembarking from an

aircraft operated by an AIRLINE COMPANY, provided that they are connected

to the COVERED TRIP; and

TRANSFERS included in the COVERED TRIP.

CARDHOLDER: individual who holds an active and valid Visa Infinite Card, issued in its

name in Brazil, as holder or additional holder.

COVERED TRIP: an itinerary, in any part of the world, including

the Insured's country of residence, regardless of origin or

destination. INSURED JOURNEY: an itinerary in any part of the world that

is outside the Insured's country of card issuance with a minimum of 150 km

from the Insured's place of residence. Both must satisfy any of the following

characteristics:

full amount of the tickets were paid with a valid Visa Infinite Card; or

the tickets were purchased by redeeming points from a loyalty program,

provided that the boarding fee and possible taxes due have been paid with a Visa

Infinite Card; or

if no boarding fee or taxes are levied, just the tickets purchased through

redemption of points obtained upon utilization of the Visa Infinite Card.

ATTENCTION

BENEFITS PROVIDED TO VISA INFINITE CARD IN THIS GUIDE REFER TO VISA

INFINITE CREDIT FUNCTION. FROM JULY 01st, 2014 THE BENEFITS ARE ALSO

VALID FOR PURCHASES IN VISA INFINITE DEBIT FUNCTION FOR CARDS THAT

HAVE IN THEIR PLASTICS CREDIT AND DEBIT FUNCTIONS (KNOWN AS COMBO

CARDS OR MULTIPLE CARDS).

THE BENEFITS LISTED IN THIS GUIDE DOES NOT APPLY TO:

VISA ELECTRON CARD WHEN USED ONLY IN DEBT (KNOWN AS DEBIT PURE

CARDS) FUNCTION;

VISA INFINITE CARD ISSUED FOR COMPANIES; AND

PREPAID CARDS.

The DEFINITION OF INSURED, COVERED TRIP AND INSURED JOURNEY DO NOT

APPLY TO SECTION C OF THIS GUIDE.

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THE COMPENSATION FOR MEDICAL EMERGENCIES AND TRAVEL ASSISTANCE

BENEFIT UNDER SECTION C ARE ONLY APPLICABLE TO ELIGIBLE TRIPS (AS

DEFINED UNDER SECTION C) WHICH ARE OUTSIDE THE BENEFICIARY'S

COUNTRY OF RESIDENCE AND THE COUNTRY OF CARD ISSUANCE.

A.4. GENERAL PROVISIONS OF THE PROGRAM

HOW DO I SUBMIT A REQUEST?

The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDERs representative, as applicable, should contact the CUSTOMER SERVICE immediately but, in

any case, within the time limit established for each of the benefits provided, even if not yet in

possession of the documents that will support the CLAIM FORM. Delayed communication

may result in the loss of benefit.

The CUSTOMER SERVICEs operator will answer any of the CARDHOLDERs questions and send a CLAIM FORM.

Upon receiving the CLAIM FORM, the CARDHOLDER, the one designated by the

CARDHOLDER or the CARDHOLDERs representative, as applicable, must fill out the form and return it along with the required documentation required for each offered benefit.

These documents must be submitted up to 90 days (depending on the program) from the

initial contact with the CUSTOMER SERVICE to the addresses below:

If the request is for the benefits provided for in Section B of this guide (Insurance Offered):

Claims Administrator: Visa Card Benefits Administration (VCBA)

Maip 255- Piso 17

C1084 ABE, Buenos Aires, Argentina

If the request is for the benefits provided for in Section C of this guide (Other Benefits):

AXA

122 S. Michigan Avenue

Suite 1100

Chicago, Illinois 60603

LOSS OF BENEFITS

The INSUREDS shall use their best efforts to avoid or reduce any loss or damage to the

insured property under this program.

INSUREDS/BENEFICIARIES will lose their right to the benefits and payment of any

compensation under the terms of this program if they make any claim they know to be false or

fraudulent in any respect.

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CONVERTING AMOUNTS INTO FOREIGN CURRENCY

The foreign currency amounts mentioned in this guide will be converted into Brazilian reais

based on foreign currencys sale rate (PTAX 800) published by the Central Bank of Brazil [at the day the credit card cycle is closed for the month after the incident occur and is reflect in

the Account statement. In the event this information is not available, the FX rate to be used

will be the one from the day before the payment of the claim.

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Section B. Insurance Offered

This guide contains a summary of the insurance policy executed between Visa and the

INSURANCE COMPANY with respect to the insurance coverage offered to

CARDHOLDERS.

In case of discrepancies between this guide and the policy, the provisions established in

the accepted policy and in full force in the jurisdiction in which your Visa Infinite Card

was issued will always prevail. In Brazil, the insurance coverage is offered by Chartis

Seguros Brasil S/A.

Should VISA cancel or refuse to renew any of the insurance coverage offered to

CARDHOLDERS, the financial institution that issued the Visa Infinite Card will notify the

CARDHOLDERS at least 60 days in advance. Should the INSURANCE COMPANY not

renew or cancel any of the coverage provided, CARDHOLDERS will be notified at least 60

days before the expiration of the policy. In the event that a substantially similar coverage

comes into force, with no interruptions whatsoever, the notification will not be required.

When applicable, the INSURANCE COMPANY will reimburse the INSURED directly, once

the process has been completed. No payment will be made until CUSTOMER SERVICE has

received all required documentation.

If a payment is made, the INSURANCE COMPANY will have the right to be reimbursed for

the amounts paid to other parties or persons.

Any party or person to whom the INSURANCE COMPANY has made a payment must

transfer to it of its/his/her rights to credit that said party or person might have against any

other party or person in connection with the portion of the compensation paid by the

INSURANCE COMPANY. Said party or person must make all necessary efforts to preserve

these rights and refrain from performing any act that may harm them.

B.1. Travel Insurance - Accidental Death and Permanent

Disability in Authorized Public Transportation

Introduction

WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE

READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.

DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.

GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE

UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR

KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.

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Basic benefits

INSUREDS will be automatically covered worldwide, up to the limit of this coverage, against

accidental bodily injuries that are the sole cause of death or DISMEMBERMENT during a

COVERED TRIP, while using a MEANS OF TRANSPORTATION operated by a

TRANSPORTATION COMPANY, including boarding or disembarking, or the use of transfers.

The full fare must be charged to a Visa Infinite Card.

AS PROVIDED BY ARTICLE 109 OF DECREE-LAW 2.063/40 AND ARTICLE 8 OF

SUSEPS RESOLUTION 302/2005, INSUREDS DO NOT INCLUDE ECONOMIC DEPENDENTS WHO ARE FOURTEEN (14) YEARS OLD OR YOUNGER FOR PURPOSES

OF THE COMPENSATION FOR DEATH PROVIDED UNDER THIS INSURANCE.

CARDHOLDERS will also be entitled to such coverage when riding a means of transportation, such

as buses, provided that carrier is licensed to carry passengers to or from a commercial aircraft, if this

means of transport is included in the price of the airline ticket or if the airport provides said means of

transportation within its facilities.

This insurance is provided at no cost to CARDHOLDERS.

In the event the bodily injuries cause death or DISMEMBERMENT, the benefits will be paid as

described below:

Damage Due Percentage of

the benefit

Accidental death 100%

Loss of both hands and/or both feet, sight of both eyes, speech and

hearing in both ears, one hand and one foot or even one hand or foot and

sight in one eye

100%

Accidental loss of a hand or foot, sight in one of the eyes, speech or

hearing in both ears 50%

Accidental loss of thumb and index finger on the same hand 25%

TO BE UNDERSTOOD AS:

Loss of Hand or Foot: depending on the case, loss of limbs beyond the wrist or below the knee;

Loss of Sight: total and irreparable loss of vision; Loss of Thumb and Index Finger: loss of limbs beyond the joints at the palm of a hand; and Loss of Speech or Hearing: total and irreparable loss of speech or hearing in both ears.

Should the INSURED suffer multiple injuries as a result of a single accident, the CARDHOLDER

AND/OR BENEFICIARY/IES will receive the greatest individual benefit applicable. The benefit for

the death of the INSURED will be paid to the first surviving BENEFICIARY, as follows:

Spouse or, if none; Children, in equal shares or, if none;

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Parents, in equal shares or, if none; Siblings, in equal shares of, if none; or Executor or trustee appointed by the local courts.

In the event of injuries resulting from the fact that the INSURED has inevitably been exposed to the

accident, benefits will be paid as if they resulted from the injury. The injury must occur within 365

days following the accident.

Except for cases in which the INSURED is declared presumably dead by a court of law, the

INSURANCE COMPANY will only pay the death benefit if the INSUREDbody fails to be located

within one year following the forced landing, shipwreck, sinking or destruction of the MEANS OF

TRANSPORTATION in which the INSURED was carried as a passenger, at which time his/her death

will be recognized.

THIS INSURANCE DOES NOT COVER LOSSES CAUSED BY:

EMOTIONAL TRAUMA, PHYSICAL OR MENTAL ILLNESS, PREGNANCY, CHILDBIRTH OR MISCARRIAGE, BACTERIAL OR VIRAL INFECTION (OTHER

THAN BACTERIAL INFECTION CAUSED BY ACCIDENT OR BY ACCIDENTAL

INGESTION OF A SUBSTANCE CONTAMINATED BY BACTERIA) OR ANY OTHER

PHYSIOLOGICAL DYSFUNCTION OF THE INSURED;

SUICIDE, ATTEMPTED SUICIDE OR SELF-INFLICTED INJURIES; WAR, DECLARED OR NOT, EXCLUDING GUERRILLA ACTIONS; and INJURIES SUFFERED BY THE INSURED WHILE TRAVELING BY TAXI OR WHILE

ENTERING OR EXITING SAID VEHICLE.

This is a summary of the insurance policy. For more information on the insurance policy

agreement executed between Visa and the INSURANCE COMPANY, including the

definitions and exclusions applicable to this benefit and procedure for submitting a

claim, please see the Introduction section of this guide.

This insurance is effective from July 1, 1997, from the date on which the issuer of your card

contracted this coverage or from the date on

which your card was issued, whichever occurred

last, and will terminate on the expiration date of

the policy or on the date on which you cease to be

a HOLDER of this CARD, whichever comes first.

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Benefit Amount of benefit

Visa Infinite US$ 1,500,000

The CARDHOLDER, the one designated by the CARDHOLDER or the

CARDHOLDERs representative, as applicable, must contact the CUSTOMER

SERVICE immediately after (i) the INSUREDs date of DISMEMBERMENT or

death, (ii) the date on which the INSURED was declared presumably dead by a court

of law, or (iii) one year elapsed without having located the INSUREDs body, as

applicable. Delayed communication may result in the loss of the benefit.

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B.2. Personal Accident Insurance - Accidental Death and

Permanent Total or Partial Disability due to Accident

(Travel Insured)

Introduction







INSUREDS will be automatically covered up to the value of benefit against accidental bodily

injuries that are the sole cause of death or DISMEMBERMENT arising from an accident that

occurs during a INSURED JOURNEY. The full fare must be charged to a Visa Infinite Card.

AS PROVIDED BY ARTICLE 109 OF DECREE-LAW 2.063/40 AND ARTICLE 8 OF

SUSEPS RESOLUTION 302/2005, INSUREDS- DO NOT INCLUDE ECONOMIC DEPENDENTS WHO ARE FOURTEEN (14) YEARS OLD OR YOUNGER FOR PURPOSES

OF THE COMPENSATION FOR DEATH PROVIDED UNDER THIS INSURANCE.

Coverage begins when the INSURED disembarks from the MEANS OF TRANSPORTATION at the

INSURED JOURNEYs destination, and expires as soon as the -INSURED boards a MEANS OF

TRANSPORTATION bound for the final destination, as designated in the ticket.

THIS INSURANCE DOES NOT COVER ACCIDENTS THAT OCCUR DURING TRAVEL TO

AND FROM AN INSURED JOURNEY WHILE IN, ON, OR ALIGHTING FROM the MEANS OF

TRANSPORTATION. This coverage is meant to complement and not duplicate the coverage provided

by the Travel Accident Insurance on your Visa Infinite Card.

What is the benefit?

Should an accidental bodily injury result in death or DISMEMBERMENT within a period of 365 days

following the incident, including loss of vision, speech or hearing, the following benefits will be paid:

Damage Due Percentage of

the benefit

Accidental death 100%

Loss of both hands and/or both feet, sight of both eyes, speech and

hearing in both ears, one hand and one foot or even a hand or foot and

sight in one eye

100%

Accidental loss of a hand or foot, sight in one eye, speech or hearing in 50%

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both ears

Accidental loss of thumb and index finger on the same hand 25%

TO BE UNDERSTOOD AS:

Loss of Hand or Foot, depending on the case: loss of limbs beyond the wrist or below the knee;

Loss of Sight: total and irreparable loss of vision; Loss of Thumb and Index Finger: loss of limbs beyond the joints at the palm of a hand; and Loss of Speech or Hearing: total and irreparable loss of speech or hearing in both ears.

In the event of injuries resulting from the fact that the -INSURED has inevitably been exposed to the

accident, the benefits will be paid as if they resulted from the injury. The injury must occur within 365

days following the accident.

Except for cases in which the INSURED is declared

presumably dead by a court of law, the INSURANCE

COMPANY will only pay the loss of life benefit if the -

INSUREDs body fails to be located within one year following

the forced landing, shipwreck, sinking or destruction of the

MEANS OF TRANSPORTATION in which the INSURED

was carried as a passenger, at which time his/her death will be

recognized.

Should the INSURED suffer multiple injuries as a result of a

single accident, the CARDHOLDER AND/OR BENEFCIARY

(IES) will receive the greatest individual benefit applicable. The

INSUREDS death benefit will be paid to the first surviving

BENEFICIARY, as follows:

Spouse or, if none; Children, in equal shares or, if none; Parents, in equal shares or, if none; Siblings, in equal shares or, if none; Executor or trustee appointed by the local courts.

What is not covered by the insurance?

1. INTENTIONALLY SELF-INFLICTED INJURIES;

2. SUICIDE OR ATTEMPTED SUICIDE IN A SANE MENTAL STATE:

3. DISEASES, UNLESS OTHERWISE PROVIDED FOR IN THE INSURANCE

POLICIES;

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4. BACTERIAL INFECTIONS, EXCEPT FOR BACTERIAL INFECTIONS IN

INJURIES OR IF DEATH IS RESULTED BY ACCIDENTAL INGESTION OF A

SUBSTANCE CONTAMINATED BY BACTERIA;

5. DAMAGES ARISING OUT OF ACTS OF WAR, DECLARED OR NOT;

6. ACCIDENTS THAT OCCURRED WHILE A PASSENGER IS (I) OPERATING,

LEARNING HOW TO OPERATE, OR SERVING AS A CREW MEMBER OF AN

AIRCRAFT;

7. DAMAGES IN WHICH ONE OF THE CONCURRENT CAUSES HAS BEEN THE

PRACTICE OF, OR ATTEMPT TO PRACTICE, AN ILLEGAL ACT ON BEHALF

OF A BENEFICIARY;

8. PARTICIPATION IN ANY CONTACT SPORT OR TEAM PROFESSIONAL, SEMI-

PROFESSIONAL OR COLLEGE SPORT;

9. PARTICIPATION IN EXTREME SPORTS, AS WELL UNDERSTOOD BY SPEED

COMPETITIONS WHERE THEY USE MOTOR VEHICLES OR BIKES,

PARACHUTING, SKYDIVING, HANG GLIDING, BUNGEE JUMPING, SKI,

SCUBA DIVING, CLIMBING, SPELUNKING, OR MOTORCYCLE RACING

ABOVE 100CCS; 10. DAMAGES OCCURRED WHILE THE INSURED WAS SERVING IN THE ARMY,

NAVY OR AIR FORCE, IN ANY COUNTRY;

11. DAMAGES WHEN UNDER THE INFLUENCE OF DRUGS, ALCOHOL OR

OTHER DRUGS, EXCEPT AS PRESCRIBED BY A QUALIFIED PROFESSIONAL

AND TAKEN TO TREAT DRUG ADDICTIONS, AS INDICATED IN THE

MEDICAL PRESCRIPTIONS;

12. DEPRESSION, ANXIETY, MENTAL OR NERVOUS DISORDERS OR

TREATMENTS KNOWN AS "REST CURES";

13. PREGNANCY AND PREGNANCY-RELATED CONDITIONS, INCLUDING

FERTILITY TREATMENT OR OTHER MEDICAL ISSUES RELATED TO A

WOMANS INABILITY TO CONCEIVE; 14. INSURED TRAVELING AGAINST A PHYSICIANS RECOMMENDATIONS; 15. ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE, DIRECTLY OR

INDIRECTLY ATTRIBUTABLE TO THE HIV VIRUS AND/OR HIV-RELATED

CONDITIONS, INCLUDING AIDS AND/OR ANY MUTATIONS OR VARIATIONS

THEREOF OR SOMEHOW CAUSED BY IT;

16. ANY EXPENSES COVERED BY POLICIES AND INSURANCE POLICIES

RELATED TO WORKERS COMPENSATION OR EMPLOYEE RISKS. 17. ELECTIVE PLASTIC AND COSMETIC SURGERY, EXCEPT WHEN MEDICALLY

REQUIRED AS THE RESULT OF DAMAGES;

18. ANY DAMAGE RESULTING IN A HERNIA;

19. ANY PRE-EXISTING CONDITION.





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General Provisions of the Program This insurance is effective from July 1, 1997, from the date on which the issuer of your card

contracted this coverage, or from the date on which your card was issued, whichever occurred last, and

will terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or

on the date on which you cease to be a CARDHOLDER, whichever comes first.

Card Amount Insured

Visa Infinite US$ 75,000


CARDHOLDERs representative, as applicable, must contact the CUSTOMER

SERVICE immediately after or within a maximum of 90 days after (i) the -INSUREDs

date of DISMEMBERMENT or death, (ii) date on which the -INSURED was declared

presumably dead by a court of law, or (iii) one year elapsed without having located the -

INSUREDs body, as applicable. Delayed communication may result in the loss of

benefit.

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B.3. Car Rental Insurance

Introduction







Basic benefits

CARDHOLDERS can get Car Rental Insurance, at no additional cost, every time they rent a car using

their Visa Infinite Card.

The CARDHOLDER must decline the Collision Damage Waiver / Loss Damage Waiver

(CDW/LDW) insurance or similar coverage offered by the car rental company.

Basic requirements

To be entitled to this insurance coverage, the CARDHOLDER must:

Use the CARDHOLDERs Visa Infinite Card to book and pay the full cost of the car rental.

All authorized drivers specifically mentioned in the car rental agreement are also covered.

No one other than the CARDHOLDER or authorized drivers, as provided above, will have the right to

any coverage, including the right to reimbursement or to submitting any insurance claims and/or

damages under or arising from this coverage.

Should the CARDHOLDER be unable to decline the car rental companys coverage, this coverage

will be secondary to the coverage offered by the car

rental company and the CARDHOLDER will have to pay

any expenses that exceed the amounts of coverage offered

by the car rental company and the damages for which the

CARDHOLDER may be possibly held liable.

Coverage

The Car Rental Insurance covers up to the market value of

the vehicle or the cost of repairs or replacement of the

rented vehicle, provided that such vehicle is in the

possession of the CARDHOLDER or authorized driver,

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whichever amount is lower.

The following specific costs are included in the insurance policy:

Damage due to collision;

Theft of the vehicle and related costs;

Costs arising from vandalism;

Loss arising from accidental fire, provided that the associated responsibility is attributable to the CARDHOLDER or authorized driver.

THE FOLLOWING SPECIFIC COSTS AND CLAIMS ARE NOT INCLUDED IN THE

POLICY RELATED TO THIS COVERAGE:

ANY OBLIGATION ASSUMED BY THE CARDHOLDER OR AUTHORIZED DRIVER(S) UNDER OTHER AGREEMENTS;

INJURIES TO ANY PERSON OR DAMAGES TO ANY OBJECT INSIDE OR OUTSIDE THE RENTED VEHICLE;

LOSS OR THEFT OF PERSONAL BELONGINGS;

PERSONAL LIABILITY;

EXPENSES ASSUMED OR PAID BY THE CAR RENTAL COMPANY OR BY ITS INSURANCE COMPANY;

THE COST OF THE INSURANCE COVERAGE ACQUIRED THROUGH THE CAR RENTAL COMPANY;

ANY OPERATION AND VEHICLE COSTS IN VIOLATION OF THE TERMS OF THE CAR RENTAL AGREEMENT;

ANY LOSSES RESULTING FROM INTENTIONAL ACTS, OR FROM THE ADMISSION OF GUILT ON THE PART OF AN AUTHORIZED DRIVER WHO IS PROSECUTED OR

FOUND GUILTY BY A COURT OF LAW OF BEING UNDER THE INFLUENCE OF

DRUGS OR INTOXICATING SUBSTANCES, OR AS A RESULT OF ILLEGAL

ACTIVITIES OR SMUGGLING;

GRADUAL WEAR AND TEAR DUE TO NORMAL USE OR MECHANICAL PROBLEMS;

LOSSES ARISING FROM ANY TYPE OF HOSTILITY (INCLUDING WAR, INVASION, REBELLION OR INSURRECTION)

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CONFISCATION BY THE AUTHORITIES;

LOSSES RESULTING FROM RENTING VEHICLES THAT DO NOT MEET THE DEFINITION OF COVERED VEHICLES;

LEASES AND MINI-LEASES;

LOSSES OCCURRED DURING A BREACH OF THE CAR RENTAL AGREEMENT;

LOSSES THAT ARE ALREADY COVERED BY THE INSURANCE COVERAGE CONTRACTED DIRECTLY WITH THE CAR RENTAL COMPANY;

RENTALS EXCEEDING THIRTY ONE (31) DAYS WHICH WILL NOT BE COVERED AS FROM THE THIRTY-SECOND (32nd) DAY;

LOSSES REPORTED 30 DAYS AFTER THE INCIDENT;

LOSSES RESULTING FROM FREEZING, ARID EROSION, MECHANICAL FAILURE, ELECTRICAL FAILURE EXCEPT FOR THOSE ARISING FROM THE OTHER LOSSES

COVERED BY THE INSURANCE POLICY;

LOSSES OCCURRING ON ROADS NOT MAINTAINED BY THE GOVERNMENT OR THAT ARE NOT IN PROPER STATE FOR USE;

LOSSES RESULTING FROM FIRE NOT CAUSED BY A COVERED EVENT;

LOSSES ATTRIBUTABLE TO THE CARDHOLDERS OR AUTHORIZED DRIVERS TOTAL NEGLIGENCE (EX: LEAVING THE CAR ENGINE ON WITH NO

SUPERVISION);

LOSSES RELATED TO DISASTERS AND OTHER NATURAL CAUSES (EX: HAIL, LIGHTNING AND FLOODING);

LOSSES OCCURRING WHILE THE VEHICLE WAS SUBLEASED OR TRANSPORTING PEOPLE OR CARGO UPON PAYMENT OF FARE OR FREIGHT FEE, RESPECTIVELY;

LOSSES CAUSED BY CARDHOLDERS OR AUTHORIZED DRIVERS TO THEIR ASCENDANTS, DESCENDANTS, SPOUSE AND SIBLINGS, AS WELL AS TO ANY

RELATIVES OR PERSONS WHO RESIDE WITH THEM OR WHO RELY ON THEM

ECONOMICALLY;

LOSSES RESULTING FROM ACCIDENTS OCCURRING AS A DIRECT RESULT OF A VIOLATION OF LEGAL PROVISIONS, SUCH AS; MAXIMUM NUMBER OF

PASSENGERS, SIZE AND WEIGHT;

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FINES AND PENALTIES IMPOSED UPON THE CARDHOLDER OR AUTHORIZED DRIVER AND ANY EXPENSES RELATED TO CRIMINAL ACTIONS OR

PROCEEDINGS;

LOSSES RESULTING FROM TECHNICAL/PROFESSIONAL SPECIALIZED SERVICES PROVIDED TO THE VEHICLE AND UNRELATED TO ITS LOCOMOTION;

LOSSES OCCURRING WHILE THE INSURED VEHICLE WAS PARTICIPATING IN COMPETITIONS, SPORTING EVENTS, BETS OR RACES;

LOSSES RESULTING FROM IONIZING RADIATIONS OR RADIOACTIVE CONTAMINATIONS, FROM ANY TYPE OF RESIDUAL NUCLEAR COMBUSTION;

PROPERTY AND PROFIT LOSSES NOT DIRECTLY RESULTING FROM THE MATERIAL AND BODILY INJURIES DAMAGES COVERED BY THE INSURANCE

COMPANY;

MORAL DAMAGES; and

DAMAGES CAUSED BY POLLUTION OR CONTAMINATION OF THE ENVIRONMENT.





What happens if the car rental company insists that the CARDHOLDER buy its insurance?

The CARDHOLDER should ask the car rental companys representative to call theCUSTOMER

SERVICE using the toll free number assigned to the country, or make a collect call from any country

of the world. The CUSTOMER SERVICE will provide a confirmation of the coverage or a coverage

certification.

Where and when is coverage effective?

This insurance becomes effective when the CARDHOLDER rents a vehicle eligible for the coverage;

this coverage is available 24 hours a day and will remain in effect while the vehicle is in the

possession of the CARDHOLDER or any of the drivers named in the car rental agreement. The

coverage will terminate as soon as the rental car is returned to the car rental company. Vehicles rented

for rental periods of more than thirty-one (31) days are not covered from the thirty-second (32nd) day

on.

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What type of insurance coverage is provided?

"Primary" coverage is offered. Should the CARDHOLDER be unable to decline the car rental

companys coverage, this coverage will be secondary to the coverage offered by the car rental

company and the CARDHOLDER will have to pay any expenses that exceed the amounts of coverage

offered by the car rental company and the damages for which the CARDHOLDER may possibly be

held liable.

What vehicles are covered?

Most cars are covered.

SOME OF THE RENTED CARS NOT COVERED INCLUDE:

LUXURY OR EXOTIC CARS, INCLUDING BUT NOT LIMITED TO ASTON-MARTIN, BENTLEY, BRICKLIN, DAIMLER, DELOREAN, EXCALIBUR, FERRARI, JENSEN,

LAMBORGHINI, LOTUS, MASERATI, PORSCHE AND ROLLS-ROYCE;

VERY OLD VEHICLES (MORE THAN 20 YEARS OLD OR LEFT TO BE MANUFACTURED IN THE LAST 10 YEARS);

TRUCKS, PICK-UPS FOR COMMERCIAL USE, MOTORCYCLES, MOPEDS, MOTORIZED BIKES, LIMOUSINES AND RECREATIONAL VEHICLES.

4x4 JEEPS ARE COVERED, PROVIDED THAT THEY ARE BEING DRIVEN ON ROADS MAINTAINED BY THE GOVERNMENT.

MINIVANS TYPE VEHICLES THAT ARE USED TO CARRY MORE THAN 10 PASSENGERS (INCLUDING DRIVER).

MINIVANS TYPE VEHICLE NOT DESIGNED TO TRANSPORT PASSENGERS.

Should the CARDHOLDER have any questions regarding a

specific vehicle, he/she should contact the CUSTOMER

SERVICE.

What should the CARDHOLDER do in the event of an accident or theft?

If the CARDHOLDER is involved in an accident or the rented

vehicle is stolen, he/she should contact the CUSTOMER

SERVICE immediately. A representative will answer any questions the CARDHOLDER or the car

rental company representative may have, and will send a CLAIM FORM to the CARDHOLDER.

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The car rental company might require that the CARDHOLDER pay for the damages with his/her Visa

card. Should this occur, the INSURANCE COMPANY will reimburse the CARDHOLDER directly

for the amount, after the claim has been processed.


CARDHOLDERs representative must contact the CUSTOMER SERVICE

immediately or within a maximum of 30 days after the date of the accident or theft,

even if not yet in possession of the documentation that will support the CLAIM FORM.

Delayed communication may result in the loss of the benefit.

What does the CARDHOLDER need from the car rental company in order to submit a CLAIM FORM?

Upon the occurrence of an accident or return of the rented car on which a claim is being made, the

CARDHOLDER must request the following documents from the car rental company:

A copy of the accident report and a request form indicating the costs for which the CARDHOLDER is responsible;

A copy of the car rental agreement;

A copy of the repair estimate and final repair invoice;

If available, two photographs of the vehicle showing the damages;

For claims including loss of use charges by the car rental company, a copy of the daily utilization record for the loss period, if available;

A copy of the police report or accident report (if any).

How is the claim submitted?

Within the timeframes stated in the CLAIM FORM provided by the VISA representative, the

CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDERs representative

must fill out and sign the CLAIM FORM and send it to the address provided therein along with:

A copy of the sales receipt or document showing that the full cost of the booked and rented car was charged and paid with CARDHOLDERs Visa Infinite Card;

All of the documentation provided to the CARDHOLDER by the car rental company (see the list of documents) must be submitted to the CUSTOMER SERVICE within the timeframes

established in the CLAIM FORM.

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The claim will remain open during a period of 12 months following the date of loss. During that

period, the CARDHOLDER must support the claim with all of the required documents. No payment

will be made until our CUSTOMER SERVICE has received all the necessary documentation at its

offices.

What else should the CARDHOLDER do?

In normal circumstances, the claim will be paid within a period of 15 days from the date our

CUSTOMER SERVICE receives all required documentation. However, as soon as the claim is paid,

all rights against any person in connection with the incident will be transferred to the INSURANCE

COMPANY.

This means that the INSURANCE COMPANY will have the right to file suit on its own and on behalf

of the CARDHOLDER. The CARDHOLDER will assist the INSURANCE COMPANY in all

manners, as reasonably requested by the INSURANCE COMPANY, in order to help the

INSURANCE COMPANY enforce any rights or recourse the INSURANCE COMPANY may have,

which includes signing all of documents required by the INSURANCE COMPANY to file a suit on

behalf of the CARDHOLDER.

General Provisions of the Program





This Car Rental Insurance will be applied to all car rental agreements in force before the date of

cancelation or non-renewal of this policy, provided that all of the other terms and conditions of the

coverage are met.

Cardholders card Area of Coverage

Visa Infinite Worldwide**

** Coverage includes cardholders country of card issuance, only if allowed by local regulations.

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B.4. Baggage Delay Insurance

Introduction







The INSUREDS will be automatically covered, up to a maximum of US$500 each, for reasonable

unavoidable expenses incurred for the emergency replacement of essential items during a COVERED

TRIP if, during said COVERED TRIP, the TRANSPORTATION COMPANY delays delivery of

their baggage, misdirects it or temporarily loses it for over six (06) hours, or if baggage delivery is

delayed as a result of TRANSPORTATION COMPANYs financial collapse. The full fare must be

charged to a Visa Infinite Card.

All claims must be submitted to the TRANSPORTATION COMPANY.

Conditions

ALL CLAIMS MUST BE SUPPORTED BY WRITTEN PROOF FROM THE

TRANSPORTATION COMPANY

STATING THAT BAGGAGE DELIVERY

WAS DELAYED, PLUS ORIGINAL

RECEIPTS FOR THE ESSENTIAL

REPLACEMENT ITEMS PURCHASED AS

A RESULT OF THE LUGGAGE BEING

DELAYED.

THE BAGGAGE MUST BE DELAYED FOR OVER SIX (06) HOURS DURING a COVERED TRIP;

CONFISCATION OR SEIZURE OF BAGGAGE BY CUSTOMS OR OTHER GOVERNMENT AUTHORITY WILL NOT BE GROUNDS FOR A BAGGAGE DELAY

CLAIM.

THIS INSURANCE WILL ONLY CONSIDER CLAIMS FOR CLOTHING ITEMS OR ESSENTIAL ITEMS ACQUIRED AS A RESULT OF A BAGGAGE DELAY THAT ARE

ACQUIRED WITHIN FOUR (04) DAYS OF INSUREDS ARRIVAL AT THE

DESTINATION;

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ANY ALLEGEDLY DELAYED OR LOST BAGGAGE MUST BE FORMALLY CLAIMED BY INSUREDS AT THE PORT OF DESTINATION BY SUBMITTING THE

APPROPRIATE DOCUMENTATION TO THE TRANSPORTATION COMPANY;

INSUREDS WILL BE REIMBURSED UP TO THE MAXIMUM AMOUNT OF THE BENEFIT THAT EXCEEDS THE AMOUNTS PAID BY OR OWED BY THE

TRANSPORTATION COMPANY RESPONSIBLE FOR THE LOSS OR ANY OTHER

VALID INSURANCE COVERAGE.

THE INSURED MUST PAY FOR THE ESSENTIAL ITEMS WITH CASH OR A VISA CARD. PURCHASES PAID FOR WITH A CREDIT OR DEBIT CARD ISSUED BY

ANOTHER ISSUER WILL NOT BE COVERED;

THE COVERAGE ESTABLISHED IN THIS SECTION COMES INTO EFFECT ONLY AFTER THE CUSTOMER LEAVES HIS/HER POINT OF DEPARTURE;

THE BENEFIT WILL BE A MAXIMUM OF US$100 PER HOUR, STARTING FROM THE SEVENTH HOUR, UP TO FIVE ADDITIONAL HOURS. THE MAXIMUM BENEFIT IS

US$500.

Exclusions

No expenses or claims will be covered in the event that:

AN ALTERNATIVE AND SIMILAR MEANS OF TRANSPORTATION IS OFFERED WITHIN SIX (06) HOURS OF THE SCHEDULED DEPARTURE TIME OF THE

BOOKED FLIGHT OR WITHIN SIX (06) HOURS OF THE ACTUAL ARRIVAL OF THE

FLIGHT (IN CASE OF A CONNECTING FLIGHT), OR

IF THE CARDHOLDER FAILS TO CHECK-IN ACCORDING TO HIS/HER SCHEDULED ITINERARY, EXCEPT IN THE EVENT OF A STRIKE, INTENTIONAL WORK DELAY

DUE TO LABOR DISPUTES OR SIMILAR, OR

IF THE DELAY IS DUE TO AN INDUSTRIAL STRIKE, INTENTIONAL WORK DELAY DUE TO LABOR DISPUTES, MECHANICAL OR ELECTRICAL MALFUNCTION OR

MALFUNCTION OF THE AIRCRAFT OR VESSEL ON WHICH THE INSURED WAS

SCHEDULED TO TRAVEL, WHICH EXISTED OR FOR WHICH ADVANCE NOTICE

WAS GIVEN ON THE START DATE OR PRIOR TO THE START DATE OF THE

COVERED TRIP, OR

IF THE DELAY IS DUE TO TEMPORARY OR PERMANENT SUSPENSION OF THE SERVICE OF AN AIRCRAFT OR TRANSPORTATION COMPANY BY ORDER OR

RECOMMENDATION OF ANY PORT AUTHORITY OR THE CIVIL AVIATION

AUTHORITY OR SIMILAR AUTHORITY OF ANY COUNTRY, FOR WHICH THE

CARDHOLDER WAS GIVEN ADVANCE NOTICE ON THE START DATE OR PRIOR

TO THE START DATE OF THE COVERED TRIP, INCLUSIVE, OR

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IF THE TRANSPORTATION COMPANY THAT CAUSED THE DELAY IS ABLE TO REPAY THE COST OF EXPENSES, OR

IF THE DELAY RESULTED FROM A SUSPECTED BOMB THREAT, OR

IF THE INSURED HAS RETURNED TO HIS/HER POINT OF DEPARTURE OR USUAL PLACE OF RESIDENCE.

What should the INSURED do if the TRANSPORTATION COMPANY loses the INSUREDs baggage while it is under its care, control, and custody? The first thing the INSURED should do is contact the TRANSPORTATION COMPANY, preferably

before leaving the baggage claim area, or within seven (07) days ofINSUREDs arrival, and submit a

CLAIM FORM supported by the baggage claim receipts.

How do I submit a claim?

After receiving and filling out the CLAIM FORM, the INSURED must submit this to our

CUSTOMER SERVICE, along with the following documentation:

Copy of bank or card statement, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY for the portion of the trip for which the luggage has

been delayed, so as to prove that the full fare has been paid for with a Visa Infinite Card;

Written proof from the TRANSPORTATION COMPANY that the baggage was delayed, and

Any additional information to support the claim.

The INSURED, the person designated by the -INSURED or the -INSUREDs

representative must contact our CUSTOMER SERVICE immediately or within no

more than 30 days after the date of arrival, even if all the documentation that will

support the CLAIM FORM is not yet available. Delayed communication may result in

the loss of benefit.


This insurance is effective from December 1, 2003, from the date on which your bank has contracted

this coverage, or from the date on which your card was issued, whichever occurred last, and will

terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or on the

date you cease to be an INSURED, whichever comes first.

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executed between Visa and the INSURANCE COMPANY, including the definitions and

exclusions applicable to this benefit and information on how to submit a claim, please

see the Introduction section of this guide.


Visa Infinite US$ 500

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B.5. Baggage Loss Insurance

Introduction




GENERAL PROVISIONS OF THE PROGRAM IS FUNDAMENTAL FOR THE



The INSUREDS will be covered automatically for the maximum limit of the benefit (see table below)

for any baggage that is lost due to theft or misdirection while in the care, custody and control of a

TRANSPORTATION COMPANY licensed to transport passengers for a fare, during a COVERED

TRIP, provided that the full travel fare has been paid for with a Visa Infinite Card.

All claims must be submitted to the TRANSPORTATION COMPANY.

What is the maximum amount of reimbursement?

The INSURED will be reimbursed up to the maximum amount of the benefit (see table below) for any

amount that exceeds the amounts paid or owed by:

the TRANSPORTATION COMPANY responsible for the loss, and

other valid insurance coverage, if any.

Will the coverage still apply if the TRANSPORTATION COMPANY pays a reimbursement?

Yes. Any valid claims for lost baggage and personal belongings in excess of the reimbursement paid

by the TRANSPORTATION COMPANY will be covered up to the maximum limit of the benefit.

What if the INSURED has another valid insurance?

The benefit will complement any other INSUREDs valid and collectible insurance.

If at the time of the occurrence of any loss there is other valid and collectible insurance in place, the

INSURED will be reimbursed only for the excess of the amount of loss, over the amount of other

insurance and any applicable deductible.

How is the amount of reimbursement determined? The INSURANCE COMPANY may choose to:

pay for the cost of replacement, or

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for a pair or set:

a) fix or replace the missing piece to return the pair or set to its original amount, or

b) pay for the difference of the value of the asset before and after the loss.

What items are not covered?

BENEFITS WILL NOT BE PROVIDED FOR ANY LOSS OF ANIMALS, BIRDS, OR FISH;

AUTOMOBILES OR AUTOMOBILE EQUIPMENT, BOATS, TRAILERS, MOTORCYCLES, OR

OTHER FORMS OF TRANSPORTATION OR THEIR ACCESSORIES (EXCEPT BICYCLES

CHECKED AS BAGGAGE WITH A TRANSPORTATION COMPANY); HOUSEHOLD

FURNITURE; EYEGLASSES OR CONTACT LENSES; DENTURES OR DENTAL BRIDGES;

HEARING AIDS; PROSTHETIC LIMBS; MUSICAL INSTRUMENTS; MONEY OR

SECURITIES; TICKETS OR DOCUMENTS; PERISHABLES AND CONSUMABLES, JEWELRY,

WATCHES, ARTICLES CONSISTING IN WHOLE OR IN PART OF SILVER, GOLD OR

PLATINUM, FURS, ARTICLES TRIMMED WITH OR MADE MOSTLY OF FUR, CAMERAS

(INCLUDING RELATED CAMERA EQUIPMENT), COMPUTERS AND ELECTRONIC

EQUIPMENT.

What are the conditions excluded from the coverage?

NO BENEFITS WILL BE PROVIDED FOR ANY LOSS RESULTING (IN WHOLE OR IN PART)

FROM NORMAL WEAR AND TEAR, INSECTS, PESTS, ADDICTION OR ADDICTION-

RELATED DAMAGES, CONFISCATION OR SEIZURE ORDER BY A GOVERNMENT OR

PUBLIC AUTHORITY; KIDNAPPING OR DESTRUCTION OF ITEM DUE TO QUARANTINE

OR CUSTOMS REGULATION; RADIOACTIVE CONTAMINATION, OVERTHROW AND

MEASURES TAKEN BY A GOVERNMENT AUTHORITY TO PREVENT, FIGHT OR DEFEND

ITSELF FROM SAID OVERTHROW, SMUGGLING OR ILLEGAL COMMERCIALIZATION,

MYSTERIOUS DISAPPEARANCE OR BREAKING OF FRAGILE OR DELICATE ITEMS,

INCLUDING RADIOS, AUDIO EQUIPMENT AND SIMILAR ITEMS.

What should the INSURED do if the TRANSPORTATION COMPANY loses the INSUREDs baggage while it is under its care, control, and custody?

The first thing the INSURED should do is contact the TRANSPORTATION COMPANY, preferably

before leaving the baggage claim area, or within seven (07) days ofINSUREDs arrival and submit a

formal written complaint supported by the baggage claim receipts to the TRANSPORTATION

COMPANY.

The INSURED will be reimbursed for up to the maximum amount of the benefit (see table below) for

the cost of replacement of the lost baggage and personal effects that is in excess of all other valid and

collectible insurance or reimbursement paid or owed by the TRANSPORTATION COMPANY, as

long as the baggage loss is confirmed by the TRANSPORTATION COMPANY.

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Once the loss of luggage has been confirmed by the TRANSPORTATION COMPANY and the claim

submitted to the TRANSPORTATION COMPANY has been analyzed, the amount of loss in excess

of the TRANSPORTATION COMPANYs reimbursement or any valid insurance will be reimbursed

to the INSURED up to the maximum amount of the benefit. To this end, the INSURED, the person

designated by the INSURED or the INSUREDs representative, depending on the case, must notify

our CUSTOMER SERVICE immediately or within no more than 30 days after the loss of baggage is

confirmed, even if all the documentation that will support the CLAIM FORM is not yet available.


After receiving and filling out the CLAIM FORM, the INSURED must submit this to our

CUSTOMER SERVICE, together with the following documentation:

Copy of bank or card statement, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY for the itinerary in which the baggage has been lost, so

as to prove that the full fare has been paid for with a Visa Infinite Card;

The documentation related to the final analysis of the claim submitted to the TRANSPORTATION COMPANY, showing that the TRANSPORTATION COMPANY

will no longer take any measures to locate the baggage, and therefore recognizing that the

loss is irreversible; and

Any additional information to support the claim.

The INSURED, the person designated by the INSURED or the -INSUREDs

representative, depending on the case, must contact our CUSTOMER SERVICE

immediately or within no more than 30 days after the loss of baggage is confirmed,

even if all the documentation that will support the CLAIM FORM is not yet available.

Delayed communication may result in the loss of benefit.


This insurance is effective from January 1, 2001, from the date on which the issuer of your card



on the date you cease to be an INSUREDwhichever comes first.



definitions and exclusions applicable to this benefit and information on how to submit a


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Visa Infinite US$ 1,500

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B.6. Trip Delay Insurance

Introduction







The INSUREDS will be covered automatically up to the benefit amount, as established below, for

reasonable expenses if their COVERED TRIP is delayed for more than six hours due to a Covered

Hazard, provided that the full travel fare has been paid for with a Visa Infinite Card. Coverage is in

excess of any other applicable insurance. INSUREDS will be reimbursed up to the maximum amount

of the benefit in excess of any amounts paid by or owed by the TRANSPORTATION COMPANY

responsible for the loss or any other valid insurance coverage.

What are the Covered Hazards?

In the event of delays caused by EQUIPMENT FAILURE, the INSURANCE COMPANY

will cover the expenses incurred due to a delay or interruption of the COVERED TRIP;

In the event of delays caused by SEVERE WEATHER CONDITIONS, the INSURANCE COMPANY will cover the expenses incurred due to a delay or interruption of the COVERED

TRIP

In the event of delays caused by a strike or any labor dispute involving the COMMON

TRANSPORTATION COMPANY's employees, the INSURANCE COMPANY will cover the

expenses incurred as a result of a delay or interruption of the COVERED TRIP that interferes with the

scheduled departure and arrival times contracted with the COMMON TRANSPORTATION

COMPANY.The full fare must be charged to a Visa Infinite Card.

What expenses resulting from a delay are covered? The INSURANCE COMPANY will cover reasonable expenses incurred by the INSUREDS as a result

of one of the Covered Hazards above, such as meals and lodging that were not provided by the

TRANSPORTATION COMPANY or any other party, free of charge. The maximum benefit (see table

below) is the total benefit payable, regardless of the number of or length of the delays

What is not covered?

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THE INSURED WILL NOT BE COVERED FOR ANY DELAY DUE TO A COVERED HAZARD

THAT WAS MADE PUBLIC OR KNOWN TO THE INSURED PRIOR TO THE DEPARTURE OF

THE COVERED TRIP.


The -INSURED, the person designated by the -INSURED or the -INSUREDs

representative must contact our CUSTOMER SERVICE within 30 days of the date on

which the COVERED TRIP was delayed, even if all the documentation that will

support the CLAIM FORM is not yet available. Delayed communication may result in

the loss of benefit.

Documentation for supporting the Claim

Copy of the receipts for the expenses incurred, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY, as well as proof that the full fare was paid for with a Visa Infinite Card; and

Copy of a document provided by the TRANSPORTATION COMPANY confirming that the COVERED TRIP was delayed due to a Covered Hazard.


It is recommended that the INSURED make

his/her best efforts and act in a conscientious and

reasonable way in order to avoid or minimize any

losses covered by this program.

This insurance is effective from January 1, 2001,

from the date on which the issuer of your card

contracted this coverage, or from the date on

which your card was issued, whichever occurred

last, and will terminate on the expiration date of

the policy contracted with the INSURANCE

COMPANY, or on the date you cease to be an INSURED, whichever comes first.





Cardholders card Amount Insured

Visa Infinite US$ 200

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B.7. Trip Cancellation Insurance

Introduction







Who and what is covered?

The INSURED will be covered automatically up to US$2,500 for travel and/or accommodation

expenses related to a COVERED TRIP for which INSUREDS are legally liable and are not

recoverable from any other source if a COVERED TRIP is cancelled between the date of payment of

travel and/or accommodation expenses and the date of commencement of the COVERED TRIP in

the event of:

Serious injury, serious illness, or unexpected death of INSURED, or INSUREDs traveling companion or immediate family member;

If the BENEFICIARYs place of residence or business has been rendered uninhabitable for 10 days or less prior to the COVERED TRIP as a result of accidental damage; or

If the INSUREDs presence is being required by the Police following burglary or attempted burglary of the INSUREDs place of residence or business.

The full cost of the trip must be charged to a Visa Infinite Card.

PRE-EXISTING CONDITIONS ARE NOT COVERED. THE COVERAGE COMPLEMENTS ANY

OTHER VALID INSURANCE.

Who is considered a Traveling Companion?

A traveling companion is any person who is not an immediate family member of the INSURED with a

reservation to accompany the INSURED on the COVERED TRIP.

Who is considered an immediate family member?

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The INSUREDs spouse, children, stepchildren, siblings, parents, parents-in-law, grandparents,

grandchildren, legal guardian, adoptive children or stepchildren, stepfather or stepmother, aunts,

uncles, nephews and nieces who live in INSUREDs country of residence.

What is considered a Serious Injury or Illness? The INSURED will be covered for any injury or illness that appears or is contracted between the date

of payment of the travel and/or lodging expenses and the date of commencement of the COVERED

TRIP, and that is diagnosed as life threatening to the INSURED by a legally qualified physician and

that requires medical treatment.

What is considered a pre-existing condition?

In the case of an injury, a pre-existing condition means a condition that requires medical treatment or

for which medical treatment, care or advice has been provided or that has appeared for the first time

before the date on which the insurance has become effective.

In the case of an illness, a pre-existing condition means a condition that occurred up to 90 days prior

to or on the date on which the insurance would have become effective, for which the INSURED has

sought or been advised to seek medical treatment by a licensed physician or whose symptoms would

have led a prudent person to seek medical diagnosis, care or treatment.

A condition will not be considered to be pre-existing if it has been under control for a period of 90

days (with no symptoms or has required no adjustments in treatment or medication) through the use of

prescription medications and for which there is no medical

restriction for traveling.

What is not covered? 1) CLAIMS ARISING FROM:

THE DEFAULT OF ANY: A) PROVIDER OF TRANSPORT;

B) AGENT OF SUCH PROVIDER;

C) AGENT ACTING FOR THEINSURED;

REGULATIONS MADE BY ANY GOVERNMENT OR PUBLIC AUTHORITY;

STRIKES OR LABOR DISPUTES WHICH EXISTED OR OF WHICH ADVANCE WARNING HAD BEEN

GIVEN PRIOR TO THE DATE ON WHICH aCOVERED TRIP WAS BOOKED;

DELAY DUE TO A TEMPORARY OR PERMANENT WITHDRAWAL FROM SERVICE OF ANY TRANSPORTATION COMPANY ON THE ORDERS OR

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RECOMMENDATIONS OF ANY PORT AUTHORITY OR THE AVIATION AGENCY

OR ANY SIMILAR BODY IN ANY COUNTRY;

DEPRESSION OR ANXIETY, MENTAL OR NERVOUS DISORDER, ALCOHOL OR DRUG ABUSE, ADDICTION OR OVERDOSE;

ELECTIVE COSMETIC OR PLASTIC SURGERY, EXCEPT AS A RESULT OF AN ACCIDENT;

PREGNANCY AND ALL RELATED CONDITIONS;

ANY PRE-EXISTING CONDITION.

2) ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE EITHER DIRECTLY OR

INDIRECTLY ATTRIBUTABLE TO HIV (HUMAN IMMUNODEFICIENCY VIRUS)

AND/OR ANY HIV-RELATED ILLNESS INCLUDING AIDS (ACQUIRED IMMUNE

DEFICIENCY SYNDROME) AND/OR ANY MUTATION DERIVATIVE OR VARIATIONS

THEREOF, CAUSED IN ANY WAY.

3) CAUSED OR RESULTING DIRECTLY FROM:

ANY COMMERCIAL OR FINANCIAL CONTRACTUAL OBLIGATION OF THE INSURED PERSON, HIS/HER TRAVELING COMPANION OR IMMEDIATE FAMILY

MEMBER;

CHANGE OF PLANS OR RELUCTANCE OF THE INSURED PERSON, HIS/HER TRAVELING COMPANION OR IMMEDIATE FAMILY MEMBER TO UNDERTAKE

THE SPECIFICALLY COVERED TRIP.

This is a summary of the insurance policy. For more information on the insurance

policy agreement executed between Visa and the INSURANCE COMPANY, including

the definitions and exclusions applicable to this benefit and information on how to

submit a claim, please see the Introduction section of this guide.


The INSURED, the person designated by the -INSURED or the INSUREDs

representative must contact our CUSTOMER SERVICE immediately or no more than

30 days following the date of cancelation of the -COVERED TRIP, even if all the

documentation that will support the CLAIM FORM is not yet available. Delayed

communication may result in the loss of benefit.

Documentation for supporting the CLAIM FORM

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Note from the physician in charge and other medical records proving the injury or serious illness or sudden death of the INSURED, or INSUREDs immediate family member or

traveling companion;

In the event of an injury or serious illness, or sudden death of a traveling companion, copies of the tickets and hotel reservations are required to prove his/her status as traveling companion.

Proof that a Visa Infinite Card was used in advance to pay for the unrecoverable travel and lodging expenses related to the COVERED TRIP;

Original ticket issued by the TRANSPORTATION COMPANY;

Supporting documentation of: (a) burglary or attempted burglary of the INSURED'S place of residence or business, or (b) INSUREDs being required to be present following a burglary or

attempted burglary of the INSURED'S place of residence or business.

This insurance is effective from January 1, 2001, from the date on which the issuer of your card



on the date you cease to be AN INSURED, whichever comes first.

Cardholders card Amount of Benefit

Visa Infinite Up to US$ 2,500

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B.8. Extended Warranty Protection

Introduction







The CARDHOLDER is provided Extended Warranty Protection, which doubles the free warranty

period established under the original manufacturer's written warranty, providing up to one additional

year of warranty on eligible products with manufacturers warranties lasting three years or less. The

item must be completely paid for with a Visa Infinite Card.

How do I get a repair?

To repair an item, the CARDHOLDER should contact our CUSTOMER SERVICE.

Are gifts included under this coverage?

Yes, as long as the gift has been paid for in full with a valid Visa Infinite Card and meets the terms

and conditions of the program

What items are covered by this protection?

In order to be eligible for this coverage, the full price of the products must have been paid with a valid

Visa Infinite Card and the items must have an original manufacturers written warranty valid in the

country in which they were purchased. This extended warranty protection will begin on the expiration

date of the original warranty, or depending on the case, on the expiration date of the additional

warranty contracted, as provided by Article 2, II, of the SUSEP Directive 388/08.

What items are not covered?

Boats, automobiles, and any other motorized vehicles and their motors or equipment

Any costs other than those specifically covered under the terms of the original manufacturer's written warranty or other eligible warranty.

Real estate and items that are intended to become part of the real estate;

Items purchased for resale, or for professional or commercial use;

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Products with an original manufacturer's warranty or store warranty lasting less than three (03) months or more than three (03) years.

If an additional warranty is contracted at the time of purchase, this benefit will only apply after the expiration of said additional warranty. However, items for which the sum of the original

warranty plus the additional warranty exceeds three (03) years are not covered by this

protection;

Used, refurbished or repaired products;

Custom-made, unique or rare products;

Non-durable or perishable items;

Services (including, without limitation, the execution and rendering of services or maintenance, repair or installation of products, goods or properties, or any type of professional

advice);

Products covered by satisfaction guarantee programs offered by the manufacturer, the store or its partners;

Freight and delivery time warranties not included in the original warranty.

Do I need to keep copies of the receipts or any type of record?

To submit a claim, the CARDHOLDER must provide proof that the item was purchased with a Visa

Infinite Card, together with a copy of the original manufacturers written warranty, as well of any

other applicable warranty


The CARDHOLDER, the person designated by the CARDHOLDER or the

CARDHOLDERs representative must contact our CUSTOMER SERVICE

immediately or within no more than 30 days after noticing a defect in the product, even

if all of the documentation that will support the CLAIM FORM is not yet available.

Delayed communication may result in the loss of benefit.

The CUSTOMER SERVICE will request some preliminary information, provide the contact

information for an authorized repair shop and send the appropriate CLAIM FORM. The CLAIM

FORM must be filled out, signed and returned with all the supporting documentation within the

timeframes established in the form. Unless otherwise provided for, the date of the loss will be the date

on which our CUSTOMER SERVICE was first notified of the problem.

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Items given as gift will also be covered. However, the recipient of the gift must provide all of the

documents required for supporting the claim.

What documents must the CARDHOLDER submit with the claim?

The CLAIM FORM, duly completed and signed;

Detailed receipt, proving that the item was purchased with a Visa Infinite Card;

Detailed sales receipt issued by the store;

A copy of the original manufacturer's written warranty, as well as a copy of any other applicable warranty;

Product description and serial number, and any other documentation that may be necessary or relevant to support the claim. This includes packaging and, depending on the case, copies of

repair records and receipts;

The original repair request form; and

Proof that the CARDHOLDER is current with all payments to his/her cards issuer at the time of the claim;

All claims must be fully supported and corroborated.

How will the CARDHOLDER be reimbursed?

The Extended Warranty Protection will pay the authorized repair facility directly for repairs, or if this

is not possible, will reimburse the cardholder once a claim has been filed and approved, up to a

maximum of US$5,000 per incident per carholder account, with a maximum annual limit of

US$25,000 per cardholder account for all

claims. Under no circumstances shall the

amount of reimbursement exceed the amount

of purchase.

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The protection only covers valid and reasonable repairs made at the manufacturer's

authorized repair facility.

In either case, the INSURANCE COMPANY's payment, replacement or repair made in good faith will

fulfill the INSURANCE COMPANY's obligation under the program coverage. Should the item need

to be repaired, the supplier may, at its own discretion, opt to replace the item.

Does the CARDHOLDER need to submit the claim directly to the CARDHOLDERs insurance company?

If the CARDHOLDER has purchased a service or extended warranty contract, the Visa Extended

Warranty Protection is secondary to that coverage and will only cover the amount in excess of the

primary coverage, up to the limit of the secondary coverage.


This protection benefits only the CARDHOLDER and recipients of gifts bought by the

CARDHOLDER with a Visa Infinite Card. The CARDHOLDER must exercise due diligence and take

all reasonable measures to avoid or minimize any damage to or loss of the products covered by this

program.

Once a repair has been requested, we will open a file for the claim, and this file will remain open for

six months following the date of the loss or damage. No payment will be made until the claim has

been fully proven and supported, as provided by the INSURANCE COMPANY, and within six

months of the moment the defect became apparent in the product.





Basic Benefit Amount

Visa Infinite

US$5,000 per incident per cardholder

account / maximum annual limit of

US$25,000 per cardholder account

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B.9. Purchase Protection

Introduction



DEFINITIONS OF THE BENEFITS COVERED IN THIS GUIDE" AND ITEM "A.4.




CARDHOLDERS can benefit from the warranty and security offered by Visa's Purchase Protection. If

a product paid for entirely with a Visa Infinite Card is damaged, stolen or lost within 45 days of the

date of purchase, there is a good chance that the cardholder is protected.

To get coverage

Visas Purchase Protection Insurance covers products paid for entirely with a Visa Infinite Card, whether

bought for the cardholders own use or as gifts;

The purchases do not need to be registered with Visa.

Type of coverage provided

Coverage is secondary. Should the cardholder or the recipient of the gift have any other insurance that would cover the eligible purchases (such as homeowners, renters, or auto

insurance), Visas Purchase Protection will pay the amount not covered by the primary

insurance up to the amount paid by cardholder for the product with his/her card, subject to the

limits expressed below; and

What is covered

Most products paid for entirely with a Visa Infinite Card are covered for a full 45 days from the date of purchase indicated on the bank or credit card statement. Coverage is limited to the

cost of the item (excluding delivery and transportation costs) up to US$5,000 per cardholder

account per 12 (twelve) month period. In the event of loss, the INSURANCE COMPANY will

pay for the smallest of the following amounts: a) the amount of the Protected Purchase

charged to the CARDHOLDERs card; or the actual cost of repair of the Protected Purchase

or cost of replacement of the Protected Purchase for an item of equal kind and quality. Under

no circumstance shall the amount paid by the INSURANCE COMPANY exceed the amount

paid by the CARDHOLDER for the Protected Purchase.

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Gifts purchased with the card are also covered, and subject to the same conditions.

Coverage for stolen or damaged articles that form a pair or set will be limited to the cost of the particular stolen or damaged part or parts. However, if the articles cannot be used, replaced or

repaired individually, the value of the pair or set will be covered. Coverage for stolen or

damaged jewelry or fine art will be limited to the cost of the particular part or parts, regardless

of any special value the article(s) may have had as part of a set or collection.

What is not covered

THEFT OF OR DAMAGE TO JEWELRY, CAMERAS OR VIDEO CAMERAS STORED INSIDE LUGGAGE WILL NOT BE COVERED UNLESS THEY ARE CARRIED AS

HAND LUGGAGE BY THE CARDHOLDER, UNDER THE PERSONAL SUPERVISION

OF THE CARDHOLDER OR THE SUPERVISION OF A TRAVELING COMPANION OF

THE CARDHOLDER (SOMEONE PREVIOUSLY KNOWN TO THE CARDHOLDER);

SMUGGLING;

LOSS RESULTING FROM AN ILLEGAL ACT OR ACTIVITY;

ITEM PURCHASED FOR RESALE, OR FOR PROFESSIONAL OR COMMERCIAL USE;

RARE OR UNIQUE ITEMS;

LOST ITEMS AND ITEMS THAT MYSTERIOUSLY DISAPPEARED (WHEN THE ONLY PROOF OF LOSS IS UNEXPLAINED OR THERE IS NO PHYSICAL EVIDENCE

TO SHOW WHAT HAPPENED TO THE ITEM) WITHOUT ANY EVIDENCE OF A

WRONGFUL ACT;

UNLOCKED OR UNATTENDED ARTICLES (LEFT IN PUBLIC SIGHT, OUT OF ARMS REACH, NOT GIVEN CARE, SUPERVISION OR CONTROL BY THE CARDHOLDER

OR RESPONSIBLE PARTY), ARTICLES STOLEN FROM ANY LOCATION OR PLACE

OPEN TO THE GENERAL PUBLIC OR COMMUNITY FOR USE OR MEMBERSHIP.

PUBLIC PLACES SHALL NOT INCLUDE THE FOLLOWING: THE COVERED

PERSONS PLACE OF EMPLOYMENT, ELEMENTARY OR SECONDARY SCHOOL,

OR PLACES OF WORSHIP.

ITEMS LOST, STOLEN, DAMAGED OR MISDELIVERED WHILE UNDER THE CONTROL OF A THIRD PARTY OR TRANSPORTATION COMPANY (INCLUDING

BUT NOT LIMITED TO AIRLINE COMPANIES, THE POSTAL SERVICE OR OTHER

DELIVERY SERVICES).

LOSSES DUE TO NORMAL WEAR AND TEAR, MISUSE, FRAUD, GRADUAL DETERIORATION AND/OR ABUSE;

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ITEMS THAT WERE DAMAGED THROUGH ALTERATION (INCLUDING CUTTING, SAWING OR SHAPING);

USED, ANTIQUE OR COLLECTIBLE ARTICLES OF ANY KIND (INCLUDING BUT NOT LIMITED TO CARDS OR TRADING CARDS, STUFFED ANIMALS, ETC.),

RECYCLED, PREVIOUSLY OWNED, REBUILT OR REMANUFACTURED PRODUCTS,

PRODUCT GUARANTEES (FOR EXAMPLE, GLASS BREAKAGE) OR

SATISFACTION GUARANTEED ITEMS.

MOTORIZED VEHICLES AND WATERCRAFT, AIRCRAFT, AND MOTORCYCLES OR THEIR MOTORS, EQUIPMENT OR ACCESSORIES. COVERAGE WILL APPLY TO

MOTORIZED EQUIPMENT USED SOLELY FOR THE UPKEEP AND MAINTENANCE

OF A BUSINESS, BUT NOT FOR COMMERCIAL USE.

LAND, BUILDINGS (INCLUDING BUT NOT LIMITED TO HOMES AND DWELLINGS), PERMANENTLY INSTALLED ITEMS, FIXTURES OR STRUCTURES.

TRAVELERS CHECKS; TICKETS OF ANY KIND; NEGOTIABLE INSTRUMENTS; GOLD BULLION BARS; RARE OR PRECIOUS COINS; PHILATELIC AND

NUMISMATIC PROPERTY; CASH OR ITS EQUIVALENT.

DAMAGE CAUSED BY ANIMALS OR PESTS;

PLANTS, ANIMALS, CONSUMER PRODUCTS AND PERISHABLES;

PROFESSIONAL SERVICES (INCLUDING, WITHOUT LIMITATION, THE EXECUTION OR RENDERING OF SERVICES OR MAINTENANCE; REPAIR OR

INSTALLATION OF PRODUCTS, GOODS OR PROPERTIES, PROFESSIONAL ADVICE

OF ANY TYPE, INCLUDING, WITHOUT LIMITATION, INFORMATION OR

INSTRUCTIONS PROVIDED VIA ANY TYPE OF SUPPORT SERVICE OR HELP DESK,

OR TECHNICAL SUPPORT FOR SOFTWARE OR HARDWARE OR ANY TYPE OF

PERIPHERAL);

APPLICATION SOFTWARE, OPERATING SOFTWARE OR OTHER COMPUTING PROGRAMS;

WAR OR HOSTILITIES OF ANY TYPE (FOR EXAMPLE, INVASION, REBELLION, INSURRECTION, RIOT OR CIVIL UNREST), FORFEITURE OR DAMAGE CAUSED BY

ANY GOVERNMENT, PUBLIC AUTHORITY OR CUSTOMS OFFICIAL, RISKS

ARISING FROM SMUGGLING, ILLEGAL ACTS OR ACTIVITIES;

DEFECTS INHERENT TO THE PRODUCT;

RADIOACTIVE CONTAMINATION;

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CASES OF FORCE MAJEURE (INCLUDING, WITHOUT LIMITATION, FLOODS, HURRICANES AND EARTHQUAKES);

ITEMS STORED IN ANY CONSTRUCTION SITE;

ARTICLES RENTED, LEASED OR BORROWED FOR WHICH THE CARDHOLDER IS RESPONSIBLE;

ARTICLES STOLEN FROM OR IN CARS, OTHER VEHICLES OR TRANSPORT COMPANIES, IN COMMERCIAL OPERATION OR OTHERWISE, INCLUDING,

AMONG OTHERS, AIRCRAFT, TRAINS, BOATS, CRUISE SHIPS, TRAILERS OR

OTHER PRIVATE TRANSPORT VEHICLES;

SHIPPING AND HANDLING COSTS, COST OF INSTALLATION OR ASSEMBLY-RELATED COSTS;

LOSSES CAUSED BY ANIMALS AND PESTS, TERMITES, FUNGI, WET OR DRY ROT, BACTERIA OR RUST;

DAMAGES DUE TO A MECHANICAL FAILURE, ELECTRICAL FAILURE, A GLITCH IN COMPUTER PROGRAMS OR LOSS OF DATA INCLUDING, WITHOUT

LIMITATION, ANY INTERRUPTION OF THE POWER SUPPLY, VOLTAGE

OSCILLATION, PARTIAL OR TOTAL SHUTDOWN OF THE POWER SUPPLY

(BLACKOUTS) OR FAILURE OF TELECOMMUNICATION OR SATELLITE SYSTEMS;

ITEMS DAMAGED AS A RESULT OF NORMAL USE (SUCH AS, FOR EXAMPLE, SPORTING OR RECREATIONAL EQUIPMENT);

ITEMS THAT WERE DAMAGED THROUGH ALTERATION (INCLUDING CUTTING, SAWING OR SHAPING);


The CARDHOLDER must keep all of the receipts and invoices of all products bought with a Visa Infinite Card. They will be required to support a claim;

The CARDHOLDER must report any loss, theft or damage to the police or authority in charge at the place the incident occurred;

The CARDHOLDER, the person designated by the CARDHOLDER or the CARDHOLDERs representative, depending on the case, must contact our CUSTOMER SERVICE immediately or no more than 30 days following the date of incident, even if all the documentation that will support the CLAIM FORM is not yet available. Delayed communication may result in the loss of benefit.

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Submit documents proving the loss, up to 30 days from the incident, including all other documentation that may be required to support or prove the loss, theft or damage;

CLAIM FORM, duly signed;

Visa Infinite Card statement or bank statement;

Detailed purchase receipt, proving that the payment was made with a Visa Infinite Card;

Detailed sales receipt issued by the store;

Police report or report issued by a proper authority;

Copy of repair estimate or repair service receipt;

Copy of the declarations page of any applicable insurance policy, including home or

insurance, even if no insurance is applicable to this incident

Failure to submit all the required documentation within the timeframes established in the

CLAIM FORM may result in the loss of the benefit.

The INSURANCE COMPANY will decide whether the article will be repaired, replaced or reimbursed, up to the amount of purchase.

General Provisions





No person or entity other than the CARDHOLDER will have any right under this coverage or as a

result of this coverage. No right or benefit conferred to the CARDHOLDERS may be transferred

without the prior written consent of the INSURANCE COMPANY. Any assignment or transfer

without the prior written consent of the INSURANCE COMPANY will be null and void.

Standard benefit Amount

Visa Infinite Up to a maximum of US$5,000 per cardholder account

per 12 (twelve) month period

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B.10. Price Protection

Introduction







Visa Price Protection helps you get the best possible price for most purchases you pay for with a Visa

Infinite Card. Simply pay for the entire cost of the product with a Visa Infinite Card and, if within 30

days of the date you purchased the product you see either a print advertisement or non-auction internet

advertisement for the same product (same manufacturer, model number and model year) for a lower

price and in the same country* in which you bought your product with a Visa Infinite Card, you will

be refunded the difference, up to U

Visa Cartao Beneficios

Documents

Transcript of Visa Cartao Beneficios