• MasterRental coverage applies to car rentals paid with an eligible MasterCard card after January 1, 2003.
  
• This Guide supersedes any Guide or program description you may have received earlier.

How to Get Coverage:

• Initiate entire rental agency’s security deposit and pay for the entire rental transaction (tax, gasoline, and airport fees are not considered rental charges) with your eligible Butterfield / AAdvantage® Platinum MasterCard® card. If a rental company promotion of any kind is initially applied toward payment of the rental vehicle, at least one day of rental must be billed to your Butterfield / AAdvantage® Platinum MasterCard® card; and
  
• You must decline the collision/loss damage waiver offered by the car rental company; and
  
• You (the cardholder) must rent the car in your name and sign the car rental contract. Coverage does not apply if you pay for someone else to rent the car.
  
• MasterRental will not pay for—or duplicate—the collision/loss damage waiver coverage the rental agency offers.
  
• Coverage begins when you pick up the car and ends when you turn it in, limited to the 31 consecutive day maximum for Butterfield / AAdvantage® Platinum MasterCard® cards.

The Kind of Coverage You Receive:
MasterRental will pay for covered damages for which the cardholder or any other authorised drivers are legally responsible to the rental agency on a primary basis. This means MasterRental will cover for Butterfield / AAdvantage® Platinum MasterCard® card vehicles with an MSRP of up to USD $75,000 per incident.

Coverage is primary, which means you do not have to seek coverage from any other source before receiving coverage under this programme.

Coverage Will Be Provided For:
For Butterfield / AAdvantage® Platinum MasterCard® card vehicles with an MSRP of up to $75,000 (USD) per incident on claims for which the cardholder or any authorised driver are legally responsible to the rental agency.

• Physical damage and theft of the vehicle up to its market value not to exceed the limits described above.
  
• Reasonable and customary rental charges imposed by the rental car company for the period of time the car is being repaired (“Loss of Use” charges) that are substantiated by a Fleet Utilization log.
  
• Reasonable and customary towing charges to the nearest qualified repair facility imposed by the rental agency on a covered loss.

Who is Covered:
The cardholder of an eligible Butterfield / AAdvantage® Platinum MasterCard® cards (eligible cardholder) and those designated in the auto rental contract as authorised drivers are covered.

Which Vehicles are Covered:
Most vehicles are covered; including all minivans and sport utility vehicles that are designed to accommodate nine passengers or fewer, when used on bound surfaces such as concrete or tarmac.

Excluded Rental Vehicles:
All trucks, pickups, full-size vans mounted on truck chassis, campers, off-road vehicles, and other recreational vehicles. Trailers, motorbikes, motorcycles and any other vehicle having fewer than four wheels, antique cars (cars that are over 20 years old or have not been manufactured for at least 10 years), and limousines.

If you have any questions, or to confirm coverage for a particular vehicle, call 1(800)307 7309 in Bermuda, 1 (800) –MC ASSIST in the United States, or call the MasterCard Global Service toll-free number where you are located. If the country in which you are located is not listed on www.mastercard.com, you should call (636)722 7111 collect.

Where You’re Covered:
For the Butterfield / AAdvantage® Platinum MasterCard ® card the coverage is worldwide with some exceptions.

• You may be unable to use this Service in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. Please contact your car rental company before you travel.
  
• Coverage is not available where prohibited by law.

What is NOT Covered:

• Lost items and items that mysteriously disappear (i.e., the only proof of loss is unexplained or there is no physical evidence to show what happened to the items) without any evidence of a wrongful act.
  
• Items stolen from, in, or upon automobiles, other vehicles or common carriers.
  
• Coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability or personal property. It also does not cover the cardholder for damage to someone else’s car or property, his or her property or personal property inside the car. It does not cover you for any injury to any party.
  
• Coverage is not provided for any obligation you assume other than that which is covered under this program or your personal auto policy.
  
• Any loss that occurs while you—or an authorised driver—is in violation of the rental agreement.
  
• Any loss that occurs due to driving, or being charged with driving, under the influence of drugs or alcohol, or reckless driving, or being charged with reckless driving, unless found not guilty of the charge.
  
• Losses involving unauthorised drivers.
  
• Losses involving the theft of the rental vehicle when the renter or authorised driver cannot produce the keys to the rental vehicle as a result of negligence.
  
• Mechanical failures caused by wear and tear, gradual deterioration or mechanical breakdown.
  
• Subsequent damages resulting from a failure to mitigate damages once a covered loss has occurred.
  
• Blowouts or tire/rim damage that occur independently of vehicle damage/theft or vandalism to the rental vehicle and/or tire, or that have been proven to be the proximate cause of further damage to the rental vehicle.
  
• Collision/Loss Damage Waiver coverage purchased through the car rental agency.
  
• Any damage that is of an intentional—or not accidental—nature, caused by the renter or authorised driver(s) of the rental vehicle.
  
• Depreciation, diminishment of value, administrative, or other fees charged by the rental car company.
  
• In no event shall coverage be provided when the cardholder rents a vehicle beyond the consecutive days (described in the section “How to get coverage”) and a new written agreement is entered into, or a new vehicle is rented. A new vehicle rented in a different city from the same agency is permitted.
  
• Losses resulting from any kind of illegal activity.
  
• Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
  
• War or hostilities of any kind (for example, invasion, rebellion, insurrection, riot or civil commotion); confiscation or damage by any government, public authority or customs official; risks of contraband; illegal activity or acts.
  
• Any loss involving a rental vehicle being used for hire or as a public or livery conveyance.
  
• Value added tax, or similar tax, unless reimbursement of such tax is required by law.

How to File a Claim:

1. Call 1(800)MC-ASSIST in the United States, or call the MasterCard Global Service toll-free number in your country (you could also call collect to the US to 1 (636) 722 7111), which will connect you to the MasterRental Assistance Center, to get a claim form. You must report any claim within 30 days of the incident or we will not be able to honor your claim.
   
   Complete and sign the claim form and attach all appropriate documentation, including a copy of:

• The MasterCard charge slip;
  
• The rental agreement (front and back);
  
• The accident or police report;
  
• An itemised repair bill or estimate, MasterCard statement, and copy of rental company promotion, if used.
  
• A copy of the car rental company’s Fleet Utilisation log, if “Loss of Use” charges are being claimed.
  
• Any other documentation the MasterCard Rental Service may request.

2. Be sure to submit all the above required documentation to the MasterRental Assistance Center within 180 days of the incident, or claim will not be honored:
   
   MasterCards Assistance Center
   P.O. Box 89405
   Cleveland, OH 44101-6405
   
   If you have any questions, please call MasterCard Global Service.
3. If payment is made under MasterRental, the insurance company is entitled to recover such amounts from other parties or persons. Any party or person to or for whom the insurance makes payment must transfer to the insurance company his or her rights to recovery against any other party or person. The cardholder must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardholder.

MasterCard Global Services
Toll free number in Bermuda 1 (800) 307 7309.
Toll free number in the United States 1 (800) 622 7747.
Outside the United States, call collect at (636) 722 7111.

Final Legal Disclosure
General Provisions for MasterRental program: Except as specifically stated, this Guide is not a policy or contract of insurance. Benefits are purchased by MasterCard and given complimentarily to you, but non insurance services may have associated costs. MasterRental benefits are provided under master policies of insurance issued byVirginia Surety Company, Inc. All information in this Guide about these benefits is subject to the terms and conditions of the master policies. As the insurer of the MasterCard coverage described herein, Virginia Surety Company, Inc., collects personal information about you from the following sources:

• Information we receive from you, from your request for insurance coverage, or from other forms you furnish to us, such as your name, address, telephone number, insurance coverage selected, and premium amount; and
  
• Information about your transactions with us, such as claims made and benefits paid.

We may disclose all information we collect, as described above, to companies that perform administrative or marketing services on our behalf solely in connection with insurance coverage you have selected. We do not disclose any personal information about former insured to anyone, except as required by law. We restrict access to personal information about you to those employees who need to know that information in order to provide you with the selected insurance coverage. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information.

Should you have any questions about our procedures or information contained within your file, please contact us at 1 (800) –MC ASSIST in the United States, or call the MasterCard Global Service toll-free number in your country (you also could call collect to the US to
1 (636) 722 7111).

Renewal of the MasterRental programs will go into effect January 1, 2003. Effective January 1, 2003, this guide replaces all prior guides, program descriptions, advertising, and/or brochures by any party. We reserve the right to change the benefits and features of all of these programs.

We can cancel at any time or choose not to renew the insurance coverage’s for all cardholders. If we do, you will be notified at least 60 days in advance. If our insurer terminates, cancels, or chooses not to renew the coverage’s for all cardholders, you will be notified as soon as practicable. Insurance benefits will still apply to car rentals commencing prior to the date of such cancellation or non-renewal, provided all other terms and conditions of coverage are met. From time to time, the MasterCard Assistance Center may require additional information.

These benefits apply only to cardholders whose eligible MasterCard cards are issued by financial institutions in Latin America ( Latin America is defined as all countries in the American continent different to Canada and the US including the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands). These benefits do not apply if your eligible MasterCard card privileges have been cancelled. However, insurance benefits will still apply to car rentals commenced prior to the date that your account is suspended or cancelled which otherwise meet terms and conditions of coverage.

All parties are expected to exercise due diligence and prudent judgment to avoid or diminish any theft or damage to the property insured under these programs. No insurance benefits will be provided in the event of fraud. No person or entity other than the eligible MasterCard cardholder shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage.

After a claim is paid under MasterRental Insurance Coverage, the rights and remedies of the eligible MasterCard cardholder (or any third party paid under this program) against any party in respect to this loss or damage will be transferred to the insurance company. In addition to transferring such rights, the eligible MasterCard cardholder (or any third party paid under this program) must provide the insurance company with any assistance necessary to secure its rights and remedies and must do nothing that would jeopardize them. No rights or benefits provided under MasterRental may be assigned without the prior written consent of MasterCard’s third-party administrator.

Receipt and/or possession of this Guide to Benefits, does not guarantee coverage or coverage availability.

To File A Claim or for further information, call 1 (800)MC ASSIST in the United States, or call the MasterCard Global Service toll-free number in your country (you also could call collect to the US to 1 (636) 722 7111).
Visit our website at www.mastercard.com

MC-LA-GTB-03

Related information
MasterTravel Platinum
MasterAssist
MasterAssist Plus
Concierge Platinum
MasterCard Global Services
Cardholder Agreement
Balance Protection

To apply for a Butterfield Butterfield / AAdvantage® Platinum MasterCard® complete the online application, visit your local branch or call the Call Centre at 299 3800.

Branch locations
Credit card application

Certain restrictions apply. Fees and rates are subject to change without notice.