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3% on qualifying travel purchases,including airlines, hotels, cruises, car rentalsand non-commuter rail1 3% on qualifying AAA purchases such asmembership dues, insurance premiumsand more1 2% on qualifying gas station, grocerystore and drug store purchases1 1% on qualifying everyday purchases1AAA Prepaid Visa Gift CardsAAA Members can purchase Visa Gift Cardsat full-service branches.They offer flexibility and can be loaded withany amount you choose from 10 to 500. Thefunds loaded on a Visa Gift Card never expireand cards can be replaced if lost or stolen. For more info, visit your local AAA office.AAA Visa Gift Cards cannot be used outside of the United States or U.S. territories.They may not be used at ATMs or redeemed for cash. A fee of 5.95 will be deductedfrom available balance to replace a lost or stolen card. An inactivity fee of 2.95/monthwill apply if the card is not used for twelve consecutive months. Other fees may apply.See terms and conditions for complete details.YOUR MEMBERSHIPAAA Dollars Plus Mastercard — Love cashback? Choose this card to earn cash back thefastest:AAA BankingAAA Dollars Mastercard — Value acompetitive rate? Choose this card to help yousave. Earn cash back on everyday purchases. Earn 1% on qualifying purchases inAAA Dollars when you use the AAA Dollars Mastercard 1Learn more at AAA.com/CreditCard or visit yourlocal branch to start enjoying this added benefitof your AAA Membership today.For more information on rates, fees, other costsand benefits associated with the use of thesecards, or to apply, go to AAA.com/CreditCard orvisit your local AAA branch.Cash back can be redeemed in the form of a statement credit or ACH deposit. AAADollars are not earned on business related transactions or activities. Account must beopen and in good standing to earn and redeem rewards and benefits. Upon approval,please refer your Cardmember Agreement for additional details. You may not redeem AAADollars, and you will immediately lose all of your AAA Dollars, if your account is closedto future transactions (including, but not limited to, due to Program misuse, failure topay, bankruptcy, or death). AAA Dollars awarded but not redeemed will expire at 11:00p.m. Central Time on the last day of the calendar quarter that is five (5) years from thedate on which they are earned. Net purchases are purchases minus credits and returns.Qualifying purchases do not include Advances, Convenience Checks, Balance Transfers,Interest Charges and Fees, credit insurance charges, or transactions to fund certainprepaid card products. AAA Dollars Plus: Earn 3% per dollar for qualifying net purchasesmade with the card through any participating AAA Club when AAA is the merchantof record, on qualifying net insurance purchases (MCC 6300) and at eligible retailtravel merchants. AAA Clubs located in Northern California, Nevada and Utah are notparticipating AAA Clubs and purchases made at those clubs will not qualify for 3%. Earn2% per dollar for net qualifying gas station, grocery store and drug store purchases. Earn1% per dollar on qualifying net purchases everywhere else. Purchases qualify for rewardcategories based on the category code merchants select to classify their businesses.ACG Card Services cannot control how merchants choose to classify their business andreserves the right to determine which purchases qualify. We may change APRs, fees, andother Account terms in the future based on your experience with ACG Card Services andits affiliates as provided under the Cardmember Agreement and applicable law.1AAA can help you change a tire, insure yourcar, even plan the trip of a lifetime. But, didyou know we can also help you manage yourmoney? Bank on AAA for a wide variety ofextremely competitive banking services andthe opportunity to experience the same levelof service you’ve come to rely on in our otherproducts.Mortgages & Loans: Whether you’re buying orrefinancing your home, buying a new or usedcar, or taking out a personal loan, AAA is therewith the knowledge and service you need tomake the process easier.Checking: Checking through AAA gives youall the features you need without the hassleof additional fees. You’ll also receive onlineaccess, mobile banking and more.Savings: Our high-yield savings and CDoptions take the guesswork out of your short- orlong-term savings plans by putting the power ofchoice in your hands. For more information about banking throughAAA, visit AAABanking.com.Visit AAABanking.com for requirements and rates.Products are offered by Auto Club Trust, FSB.Equal Credit Opportunity Lender. NMLS# 799629The creditor and issuer of this card is U.S. Bank NA dba ACG Card Services, pursuant to alicense from Mastercard International Incorporated. Mastercard is a registered trademark,and the circles design is a trademark of Mastercard International Incorporated. 2020 ACG Card Services. All Rights Reserved. Equal Credit Opportunity Lender.8AAA Guide to your membership9

AAA Basic membership is your key to everydaymember benefits. Your monthly subscriptiongives you easy access to a wide variety ofmember-only discounts and services at nearly120,000 partner locations nationwide.Enrolling your householdYou can enroll other individuals in yourhousehold, such as your spouse and eligiblechildren, as Associate members if they shareyour residence. They’ll have their own digitalmembership cards and be able to call us forroadside assistance whether they’re driving orriding in a friend’s car. What’s more, they’ll enjoythe benefits of AAA Membership — discounts,savings and member-only perks.Associate Basic membership is available for thePrimary member’s spouse and one other adultliving in the household, and their children livingat the same residence or away at school. To sign up other individuals in yourhousehold, call the number on your digitalmembership card or visit any AAA branch.Gift MembershipAnnual gift memberships are available at yourlocal AAA office and online at AAA.com/Gift.When you give the gift of AAA, your friendor loved one will enjoy nationwide, 24-hourroadside assistance, along with all of the otherAAA Benefits. For every gift membership youbuy, you’ll earn 20 AAA Dollars.Member referral programAt AAA, we realize that our members are ourbiggest advocates. That’s why our memberreferral program rewards you with AAA Dollarsfor friends you refer who join AAA with anannual membership. Visit your local AAA office, or go toAAA.com/Friends for more details orto make a referral.10Keeping you informedAAA LivingAAA helps members getmore out of life’s journey.AAA Living keeps membersinformed about memberbenefits and usefulinformation regarding autos,homes, money, insuranceand travel. Members canaccess this content at anytime at AAA.com/Living.YOUR MEMBERSHIPYou and yourmembershipTraffic safetyAAA – The Auto Club Group is committed toprotecting and saving the lives of all road users.We work to make communities safer by offeringtraffic safety programs and resources as well asserving as a vocal advocate and trusted resourcefor reliable information.The AAA School Safety Patrol and ImpairedDriving programs are just two of the ways inwhich we help our members and the motoringpublic. To learn more, visit AAA.com and look for theSafety tab at the top of the page.AdvocacyWe’re commited to protecting your interestsas a road user, so we continually evaluate andrespond to legislation that affects you. We act asadvocates for efficient transportation, safer roadsand vehicles, high-quality driver education andthe rights of travelers.Public informationWe inform our members and the generalpublic about travel, legislation, traffic safetyand consumer affairs through news releases,media kits, interviews, public appearances,educational programs and a variety ofbrochures and literature.AAA Guide to your membership11

YOUR MEMBERSHIPQuality assuranceAAA Approved Auto RepairThe next time you need to get your vehiclerepaired, look for the AAA Approved AutoRepair sign at repair shops that meet ourstandards of quality. In addition, you’ll getthe following guarantees: Free vehicle maintenance inspection uponrequest (excludes diagnostics for repairservices) Discount of 10% off labor (up to 50) A 24-month/24,000-mile warranty onDriver trainingAAA Approved Auto Repair facilities offermembers priority service with a roadside tow,which includes prompt vehicle evaluation,(typically within 60 minutes of arrival) andassistance obtaining alternate transportation.If anyone in your family or organization needsto brush up on driving skills, we can help.We’re particularly proud of our work with youngdrivers, who are statistically more at risk ofcrashes than any other group, mostly due totheir lack of experience.vehicle repairsLastly, members receive peace of mind knowingAAA Approved Auto Repair facilities areinspected and maintain AAA’s rigorous standardsfor industry leading customer service, cleanlinessand quality work.AAA’s Driver Training Program offers thefollowing: Visit AAA.com/AutoRepair for AAA Approved Safe Driving for Mature OperatorsAuto Repair locations near you. New Driver Education Driver Improvement Driver Refresher Courses Safety Training for Employees WhoDrive on Business Senior AssessmentsAAA Driving Programs are based on ournationally recognized curriculum and designedto promote classroom participation andcommunication. Many of the courses are alsooffered online. For details on AAA Driver Training in yourarea, visit AAA.com/Drive.12AAA Guide to your membership13

Traveling with AAAto access a wealth of exclusive AAA travelinsights, exclusive discounts and benefits.Online Travel GuidesAAA Travel Guides offer suggested itineraries,local transportation details, event schedules,passport and visa information, and more to helpyou plan a great vacation. Go to AAA.com/TravelGuides.Our online AAA TripTik Travel Planner can helpwith planning a trip around town or across thecountry. It provides high-resolution maps androute narratives that you can customize topersonalize your route.Advice and guidance to help youtravel more safely.AAA is a full-service travel agency and expertAAA Travel Advisors stand ready to assistyou in navigating your many travel options.Whether you are booking a cruise, tour, flight,rental car or hotel, it’s good to know thattravel experts are always ready to help getyou where you’re going. Expert AAA TravelAdvisors provide you with: Peace of Mind – knowing they’re there tohelp you make informed decisions. Time-Saving Services – where they handleall the research, planning and booking. Value for Your Travel Dollar – by making If you prefer to have your TripTik routings,maps or other publications sent to yourhome, order online at AAA.com/TripTik.You’ll get an up-to-date TripTik routing,a regional map and road constructioninformation. Please allow eight to tenbusiness days for home delivery.International TravelResourcesInternational maps anddestination guidessense of multiple offers, discounts, perksand exclusive AAA benefits.Check out AAA Travel Guides online withdestination information on select cities andcountries.upon their own expertise, training andAAA resources. Go to AAA.com/TravelGuides. Insight vs. Information – by drawing Book with confidence. Contact us at800-648-8272, go to AAA.com/TravelAgentor visit any of our AAA full-service offices.Book Your Travel OnlineAAA knows that sometimes you may want tobook online. For those less-complex plans, yourtravel reservations are just a click away. Visit AAA.com/Travel to make reservations and14You can create your map online at AAA.com,or visit one of our full-service branches for yourcustomized, bound TripTik routings.TRAVELING WITH AAATripTik route planningInternational Driving Permits (IDP)When you’re driving abroad, many countriesrequire an IDP with your name, photo anddriver information in ten languages. It’s validin 130 countries and can be very useful if youneed to communicate with local authorities. To apply for your IDP, visit AAA.com/IDP todownload a form and to locate your nearest AAAoffice that offers this service (not all locationsdo). Also, be sure to get the details on the HertzIDP coupon that may offer extra savings.AAA Guide to your membership15

Passport photosAt most AAA offices, we can takeregulation-sizedphotographs for you,while you wait, for anominal fee. Check with your local full-service AAA officefor availability and pricing.AAA Travel MoneyTravel anywhere with security and convenience.Use a prepaid AAA MemberPay Visa card. Thisreloadable Visa prepaid card is not connectedto your checking or savings account and offersa convenient alternative to travelers checks andcash.AAA travel discounts& perksAAA’s preferred travel partners commit to ourhigh standards of member service and providevalue-added extras, like special member pricingand member benefits – allowing you to bookwith confidence. Choose from river and oceancruises, guided and independent tours, railvacations, and more. Go to AAA.com/MemberPay to learn more. Call 800-648-8272 or go to AAA.com/TravelAAA Vacations Disney vacationsExclusively for AAA MembersExperience a unique collection of cruiseand tour itineraries designed using memberfeedback. Every vacation is highlighted withauthentic experiences and built-in value withAAA Vacations exclusive member benefits,complimentary inclusions, best price guaranteeand 24/7 member care. For information, call 877-222-5024, go toAAA.com/AAAVacations or visit your localAAA office.for details.TRAVELING WITH AAAIt’s a good idea toorder several sets — for an IDP or a visa application, as well as for your passport.As an authorized Disney Vacation Planner, aknowledgeable AAA Travel Advisor can helpyou plan and book a magical Disney CruiseLine or Walt Disney World Resort vacation. Call 877-856-7064 or go to AAA.com/Disney for details.Hotel & Resort AccommodationsMembers can save when booking exclusiveAAA Rates at Best Western, Hyatt, Hilton,Marriott, and MGM Resorts. Call us at 800-648-8272, visit your nearestAAA full-service office or make your ownreservations online at AAA.com/Hotels.Attraction ticket savingsTake advantage of special AAA Member discounts at the nation’s top-ranked attractions,concert venues and sports arenas. Save ontheater, special events, movie tickets and more. Visit AAA.com/Fun for details or contactyour nearest full-service AAA office.16AAA Guide to your membership17

Travel InsuranceAs a member of AAA, you receive TravelAccident Insurance coverage automaticallywhen your trip is arranged and purchasedthrough AAA Travel. The plan covers Basicmembers up to 100,000.Car rentalsExclusive discounts andmember benefitsUp to 20% savings off base rate Young renter fee waived for AAA Membersage 20-24 Free use of a child safety seat Free additional driver 10% off a tank of gas Free unlimited mileage on most rentals For reservations, Call 800-654-3080 orgo to AAA.com/Hertz.Hertz Gold Plus Rewards Skip the line at 50 airports Ultimate choice: Pick your car from ourbest fleet ever and go! Hertz FastLane: Powered by CLEAR exit the gate in 30 seconds or less atparticipating locations only Your points, your choice for free rentals,experiences and rewards Enroll at AAA.com/HertzGold.Common carrier means any land, water or airconveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire. Thebenefit also applies while traveling in a common carrier or a private passenger automobiledirectly to or from a terminal, station or airport,immediately before or after scheduled arrivalor departure, and while traveling in a rentalcar whose lease has been arranged throughthe local AAA Travel along with any airline orcommon carrier transportation. For a description of coverage, termsTRAVELING WITH AAAThis program covers you for accidental lossof life, limbs, sight, speech or hearing whiletraveling in a common carrier when the transportation is arranged through The Auto ClubGroup.and exclusions, view the Travel AccidentInsurance brochure:Florida, Georgia and Tennessee members,click here.Illinois, Indiana, Iowa, Michigan, Minnesota,Nebraska, North Dakota and Wisconsinmembers, click here.Travel InsuranceTravel insurance can be relatively inexpensive,especially when you consider how muchyou could lose if something goes wrongbefore or during your trip. Accidents, medicalemergencies and cancellation all can quicklyadd up. Purchase your travel insurancethrough AAA Travel when you make yourdeposit for a trip.Ask your AAA Travel Advisor to review yourplan options and about why it’s a good ideato secure insurance upon deposit of yourvacation. For information, go to AAA.com/Travel orvisit your local AAA office.18AAA Guide to your membership19

Insurance through AAASpecialty products andother insuranceTurn to AAA as your source for insuring theseother important needs: Boats, personal watercraft and otherqualifying vessels Motorcycles and off-road vehicles, includingATVs, dirt bikes and snowmobiles Antique autos Flood and landlord insurance For auto, home or any other insuranceproduct, contact your local licensedinsurance agent.Life and annuity products**Belonging to AAA is not just about driving. It’sabout being part of a club to help you manageyour affairs.Our insurance programs help you and yourfamily stay safe and protected.Auto insuranceYou could get a great deal on auto insurancethrough AAA. We offer coverage at competitiverates, and a range of discounts that you’ll findreally make a difference.If you need to make a claim, simply contactour claim service online, with the AAAMobile app, by phone or at one of our AAAoffices. You’ll be impressed by our quick andresponsive service.Home insuranceOur home insurance helps provide protectionagainst threats to your home, your possessionsand your personal liability.You can choose the policy that suits youbest, and add a Scheduled Personal Propertyendorsement to cover your most valuablethings, such as fine art, jewelry and collectibles.We also offer insurance for condo ownersand renters.20Our offerings include:Life Insurance Term Life Whole Life Universal LifeAnnuities Deferred Income For more information on life insurance andannuities, contact your local licensedinsurance agent.*Coverage is subject to all policy terms,conditions, exclusions and limitations.Discounts and savings opportunities subject toeligibility requirements. Subject to underwritingrequirements. Insurance underwritten by one ofthe following companies: Auto Club InsuranceAssociation, MemberSelect Insurance Company,Auto Club Group Insurance Company, AutoClub Property-Casualty Insurance Company,Auto Club South Insurance Company, Auto ClubInsurance Company of Florida, or non-affiliatedinsurance companies. 2021 The Auto ClubGroup. All rights reserved.INSURANCE SERVICESInsuring through AAA*AAA is committed to helping our membersenrich and protect their lives and the lives oftheir families for years to come. That’s why weoffer a competitive variety of life and annuityproducts and unmatched service that hasearned us a reputation of trust and respect.**Life insurance underwritten and annuitiesprovided by our affiliate, AAA Life InsuranceCompany, Livonia, MI. AAA Life is licensed in allstates except NY. Products and their featuresmay not be available in all states.ALMI-22912-N19-XXAAA Guide to your membership21

Our servicesTo request roadside assistance, call the numbersupplied on your membership card. If travelingoutside your local region, you may obtain nationwide roadside assistance by calling 800-AAAHELP (800-222-4357).Requests for roadside assistance may also beplaced via the AAA Mobile app or through ouronline service at AAA.com/Roadside.Who’s eligibleRoadside Assistance is provided for a fee onany eligible and prope

Register for ProtectMyID Essential from Experian and get free daily monitoring of your credit report. You'll receive text or email alerts to notify you of . AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 3%. Earn