Your Fidelity

®

Visa Signature Card

Guide to Benefits

With Visa Signature

®

, you can enjoy the strength, recognition, and acceptance of the Visa brand—with special perks

and benefits.

• You’ll enjoy access to dozens of everyday benefits, like fine wine and food events, travel packages and savings, and

dining perks. Plus enjoy complimentary 24-hour Visa Signature Concierge

†

service, Shopping savings, and special

BENEFIT INFORMATION YOU MAY HAVE RECEIVED. PLEASE READ AND RETAIN FOR YOUR RECORDS. YOUR ELIGIBILITY IS DETERMINED BY

YOUR FINANCIAL INSTITUTION.

For more information about the benefits described in this guide, go to Fidelity.com/VisaSignatureBenefits. You may also call the Benefit Administrator at

1-800-397-9010, or call collect outside the U.S. at 1-303-967-1093.

For questions about your account, balance, or rewards points please call the customer service number on your Visa Signature card statement.

The creditor and issuer of the Fidelity® Rewards Visa Signature® Card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

The trademarks and service marks appearing herein are the property of their respective owners.

PRESENTING YOUR VISA SIGNATURE PERKS AND BENEFITS*

• Travel — Features incredible travel packages, savings and upgrades from leading hotels, resorts and cruises

worldwide. Plus, provides exclusive benefits at a collection of over 900 of the world’s finest properties with the Visa

service. Just call anytime, 24 hours a day. The Visa Signature Concierge service can help you find tickets to the top

sports and entertainment events, book travel, make dinner reservations, and even help you find the perfect gift. To

use the Visa Signature Concierge service, call 1-800-953-7392. For calls outside the United States, call us collect at

1-630-350-4551.

• Shopping — Cardholders enjoy shopping discounts and offers at premium retailers from jewelry to apparel and

electronics.

• Emergency Card Replacement and Emergency Cash Disbursement — This efficient, 24 x 7 x 365 worldwide service

allows you to quickly and easily get a replacement Visa Signature card sent to you and/or receive emergency cash at

a convenient location.

• Travel Accident Insurance — Receive coverage for common carrier accidental death or dismemberment, at no extra

cost, when you charge your entire travel fare to your eligible Visa Signature card.

• Lost Luggage Reimbursement — Feel confident knowing your checked or carry-on luggage is covered up to $3,000

if lost or stolen when you charge your common carrier ticket to your eligible Visa Signature card.

• Roadside Dispatch

®

available 24 hours a day, 7 days a week.

• Travel and Emergency Assistance Services — Get help coordinating medical, legal, and travel services while you’re

away from home.

PURCHASE SECURITY

Life is full of surprises… some good surprises; and some, not so good.

For instance, Your son’s brand-new iPad got soaked, in a sudden rainstorm at summer camp. But, You bought the item

with Your card so, You may be covered.

Purchase Security protects new retail purchases made with Your eligible Account and/or rewards programs associated

with Your covered Account within the first ninety (90) days from the date of purchase. To be eligible for this coverage,

You need to purchase either a portion or the entire cost of the item using Your Account and/or rewards program

associated with Your covered Account.

and/or rewards program associated with Your covered Account.

Purchase Security covers

Eligible items of personal property purchased with Your card and/or rewards program associated with Your covered

Account are covered for the following:

Damage due to:

• Fire, smoke, lightning, explosion, riot, or vandalism

• Windstorm, hail, rain, sleet, or snow

• Aircraft, spacecraft, or other vehicles

• Accidental discharge of water or steam from household plumbing

• Sudden accidental damage from electric current

• Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including

trailers and other items towable or attachable to any motorized vehicle

• Broken items, unless the result of a covered occurrence

• Computer software

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

• Items purchased for resale, either professional or commercial use

• Items stolen from cars or other vehicles or common carriers

• Items that are lost, or that “mysteriously disappear,” meaning they vanished in an unexplained manner, with no

evidence of wrongdoing by one person or several

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

service)

• Items in Your baggage (unless hand carried, or under Your supervision or that of a companion You know); includes

jewelry and watches, among other things

• Real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage doors and

openers, ceiling fans, among other items

• Rented and leased items

• Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments

• Items used or pre-owned (Refurbished items will not be considered used or pre-owned as long accompanied by a

warranty)

• Losses caused by or resulting from a Cyber Incident

Filing a Purchase Security claim

Call the Benefit Administrator at 1-800-553-4820, or call collect outside the U.S. at 1-303-967-1096, within sixty

(60) days of the damage or theft (if You wait longer, coverage may be denied). The Benefit Administrator will ask for

some preliminary claim information, answer Your questions and send You a claim form. When You submit Your claim, be

renter’s, automobile, or employer’s insurance policies) has been exhausted. At that point, Purchase Security will cover

the loss up to the amount charged to Your eligible Account, subject to the terms, exclusions, and limits of liability of the

benefit.

This benefit also pays for the outstanding deductible portion of Your insurance or indemnity for eligible claims. The

maximum total limit of liability is up to five hundred dollars ($500.00) per claim occurrence and fifty thousand dollars

($50,000.00) per cardholder. You will receive no more than the purchase price as recorded on the eligible card receipt.

When a protected item is part of a pair or set, You will receive no more than the value (as described above) of the

particular part or parts, stolen or damaged, regardless of any special value that item may have as part of such a pair or

set, and no more than the proportionate part of an aggregate purchase price of such pair or set.

• A copy of Your monthly billing statement (showing the last four [4] digits of the Account number) demonstrating that

the purchase was made on Your eligible Account and/or rewards program associated with Your covered Account

• If more than one method of payment was used, please provide documentation as to additional currency, voucher,

points or any other payment method utilized

• A copy of the itemized store receipt demonstrating that the purchase was made on Your eligible Account and/or

rewards program associated with Your covered Account

• Copy of the documentation of any other settlement of the loss (if applicable)

incident report to substantiate the loss. If the loss was not reported, please provide a replacement receipt or other

sufficient proof of loss deemed eligible solely by Your Benefits Specialist (if applicable)

• Any other documents necessary to substantiate Your claim

In some cases of damage, You will be asked to send, at Your expense, the damaged item along with Your claim in

order to substantiate the claim, so make sure to keep the damaged item in Your possession.

PLEASE NOTE: Your maximum recovery under the Purchase Security Benefit is the purchase price of the item, not to

exceed the coverage limit.

Please return Your signed and completed form with all documentation within ninety (90) days of the date of theft

or damage.

How will I be reimbursed?

Once You’ve met the conditions of this benefit, the Benefit Administrator will resolve Your claim in one of two ways:

loss of use or destruction of Your Digital Data or Covered Purchase;

You or Your means an Eligible Person who used their eligible Account to purchase the item and/or rewards program

associated with their covered Account.

claims. The Benefit Administrator provides services on behalf of the Provider.

or call collect outside the U.S. at 1-303-967-1096.

nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal,

transportation, or other services.

Travel and Emergency Assistance Services are made available to You, if You are a cardholder of an eligible card issued

Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any

What are the specific services and how can they help me?

members. The Benefit Administrator will use reasonable efforts to relay emergency messages in accordance with

benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully.

• Medical Referral Assistance provides medical referral, monitoring, and follow-up. The Benefit Administrator can give

You names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local

Administrator can coordinate bail payment from Your personal account. The Benefit Administrator can also follow up

to make sure bail has been properly handled. All costs are Your responsibility.

• Emergency Transportation Assistance can help You make all the necessary arrangements for emergency

transportation home or to the nearest medical facility. This includes arranging to bring Your Young children home

It can also help transport critical documents that You may have left at Your home or elsewhere. All costs are Your

responsibility.

• Pre-Trip Assistance can give You information on Your destination before You leave such as ATM locations, currency

Fortunately, Lost Luggage Reimbursement is here to help. With Lost Luggage Reimbursement, You can be reimbursed

for the difference between the “value of the amount claimed” and the Common Carrier’s payment up to $3,000.00 per

the item(s), the actual cash value of the item(s) at the time of theft or misdirection (with appropriate deduction for

depreciation), and the cost to replace the item(s).

You and Your Immediate Family Members are all eligible for this benefit when You take a Covered Trip and pay for

the cost of Your Common Carrier tickets with Your eligible card issued in the United States and/or rewards program

the Covered Trip with Your covered Account and/or rewards program associated with Your covered Account. Only Your

This benefit is supplemental to and excess of any collectible insurance and/or collectible reimbursement from any other

source. The Benefit Administrator will refund the excess amount once all other reimbursement has been exhausted up

to the limit of liability.

Please Note: You must take all reasonable means to protect, save and/or recover Your Checked Luggage and/or Carry-

on Baggage and/or its contents at all times.

What is not covered?

the Common Carrier), boats, or other vehicles or conveyances

• Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs

• Losses arising from confiscation or expropriation by any government or public authority or detention by customs or

other officials

• Losses resulting from abuse, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or

insurrection)

• Business items (items that are used in the purchase, sale, production, promotion, or distribution of goods or services

How to file a Lost Luggage Reimbursement claim

Immediately notify the Common Carrier to begin their claims process if Your luggage and/or its contents are lost or

Within twenty (20) days of the date Your luggage is lost or stolen, and You have notified the Common Carrier and

claim form. If You do not notify the Benefit Administrator within twenty (20) days of the date the luggage was lost

or stolen, Your claim may be denied.

• A copy of Your monthly billing statement or the travel itinerary (showing the last four [4] digits of the Account

• A copy of Your insurance policy’s Declarations Page (if applicable) to confirm Your deductible (Declarations Page

means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates and deductibles)

• A copy of any settlement of the loss or theft from Your primary insurance

• Any other documentation deemed necessary by the Benefit Administrator to substantiate the loss or theft

If You have personal insurance (i.e., homeowner’s, renter’s, or other insurance applicable to the lost or stolen luggage

or contents), You are required to file a claim with Your insurance company and submit a copy of any claim settlement

along with Your completed claim form.

If the claim amount is within Your personal insurance deductible, the Benefit Administrator may, at its discretion, deem

a copy of Your personal insurance Declarations Page to be sufficient.

Transference of Claims

After the Benefit Administrator has paid Your claim of loss or theft under this reimbursement benefit, all Your rights

and remedies against any party in respect of this loss or damage will be transferred to the Benefit Administrator to

the extent of the payment made to You. You must give the Benefit Administrator all assistance as may reasonably be

required to secure all rights and remedies.

program associated with their covered Account.

Spouse includes Your domestic partner which is a person who is at least 18 years of age and who during the last

twelve months: 1) has been in a committed relationship with the cardholder; (2) has been the cardholder’s sole spousal

equivalent; (3) has resided in the same household as the cardholder; and (4) has been jointly responsible with the

cardholder for each other’s financial obligations and who intends to continue the relationship as stated above indefinitely.

You or Your means an Eligible Person or Your Immediate Family Members who charged a portion of their Covered Trip

to Your eligible Account and/or rewards program associated with Your covered Account.

ADDITIONAL PROVISIONS FOR LOST LUGGAGE REIMBURSEMENT

• Signed or pinned transactions are covered as long as You use Your eligible card to secure the transaction.

• You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be

of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof

of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits

have been complied with fully.

• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide

to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided

via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits

described in this Guide will not apply to cardholders whose Accounts have been suspended or cancelled.

of North America (“Provider”) is the underwriter of these benefits and is solely responsible for its administration and

claims. The Benefit Administrator provides services on behalf of the Provider.

• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this

claim will be transferred to the Benefit Administrator to the extent of the payment made to You. You must give the

Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

• This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the

For more information about the benefit described in this guide, call the Benefit Administrator at 1-800-757-1274,

$250,000 WORLDWIDE AUTOMATIC TRAVEL ACCIDENT INSURANCE

against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any

licensed Common Carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers or

coupons, has been charged to your Visa Signature Card. If the entire cost of the passenger fare has been charged to

your Visa Signature Card prior to departure for the airport, terminal or station, coverage is also provided for Common

The Cost

This travel insurance plan is provided at no additional cost to eligible Visa Signature Cardmembers. Your Issuer pays the

accountholders premium.

Beneficiary

The Loss of Life benefit will be paid to the beneficiary designated by the Insured. If no such designation has been

made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured’s spouse, b)

the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All other

indemnities will be paid to the Insured.

The Benefits

The full Benefit Amount is payable for accidental loss of life, two or more members, sight of both eyes, speech and