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Mastercard Guideto Benefitsfor Debit CardholdersCornerstone Bank Debit MastercardImportant information. Please read and save.This Guide to Benefi ts contains detailed informationabout insurance, retail protection and travel services youcan access as a preferred cardholder. This Guide supersedes any guide or program description you may havereceived earlier.To fi le a claim or for more information on any of theseservices, call the Mastercard Assistance Center at1-800-Mastercard: 1-800-627-8372,or en Español: 1-800-633-4466.“Card” refers to Mastercard card and “Cardholder”refers to a Mastercard cardholder.
Key TermsKey Terms:Throughout this document, You and Your refer to thecardholder or authorized user of the covered card. We, Us,and Our refer to New Hampshire Insurance Company, an AIGcompany, Inc. (Except for Satisfaction Guarantee refer to AIGWarranty Guard, Inc.)Administrator means Sedgwick Claims ManagementServices, Inc., you may contact the administrator if you havequestions regarding this coverage or would like to makea claim. The administrator can be reached by phone at1-800-Mastercard.Authorized User means an individual who is authorized tomake purchases on the covered card by the cardholder and isrecorded by the Participating Organization on its records asbeing an authorized user.Cardholder means the person who has been issued anaccount by the Participating Organization for the coveredcard.Covered Card means the Mastercard card.Evidence of Coverage (EOC) means the document describingthe terms, conditions, and exclusions. The EOC, Key Terms, andLegal Disclosures are the entire agreement between You andUs. Representations or promises made by anyone that are notcontained in the EOC, Key Terms, or Legal Disclosures are nota part of your coverage.for cardholders. It serves as a repository of all the personallyidentifiable information (PII) data the cardholder wantsto monitor, tracks and displays cardholders’ risk score, andprovides access to identity protection tips. It is also theplatform for cardholders to respond to identity monitoringalerts.Monthly Risk Alert / Newsletter: Cardholders will receivea monthly newsletter with information on the cardholder’srisk score, and articles pertaining to good identity protectionpractices.Identity Monitoring: IDT searches the internet to detectcompromised credentials and potentially damaging use ofyour personal information, and alerts you via email so that youcan take immediate action. This platform utilizes automatedmonitoring and human threat intelligence from cyberoperations agents monitoring threat actors and their tacticson the deep and dark web where personal data is bought andsold. Data elements that can be monitored are: Email addresses Debit/credit cards/prepaid cards Bank accounts Web logins; username and password Medical insurance cards Drivers’ license Loyalty cards Affinity cardsUnited States Dollars (USD) means the currency of theUnited States of America. Passport numberMastercard ID Theft Protection Social Security numberProgram Description:Mastercard ID Theft Protection (IDT) provides you withaccess to a number of Identity Theft resolution services,should you believe you are a victim of Identity Theft. Thisproduct offering will alert you about possible identity theftby monitoring the surface, dark and deep web, searching forcompromised credentials and potentially damaging use ofyour registered personal information in order to detect fraudat its inception.Eligibility:All Mastercard consumer debit cardholders in the US areeligible for this coverage.Access:Simply contact 1-800-Mastercard if you believe you have beena victim of Identity Theft.Services Provided:Services provided are on a 24-hour basis, 365 days a year.In order to receive the following services, you must enroll athttps://mastercardus.idprotectiononline.com/. The servicesinclude:Online Monitoring Dashboard (requires activation): Theonline monitoring dashboard is the primary user interface Vehicle insurance cardsTo take advantage of this service, the cardholder mustenter the personal information they wish to monitor on thedashboard.Resolution Services: You will have access to a team of identitytheft resolution specialists, available 24 hours a day, 365days a year to help resolve your identity theft incident andprevent further damage. The resolution specialists are nativespeakers of English, French and Spanish, and are based outof Bethesda, Maryland. Cardholders are given the option tosign limited power of attorney (LPOA) to the specialist, toallow them to conduct resolution activities on the cardholders’behalf, including contacting police, credit agencies, and otherauthorities, translating information, and closing and replacingbreached accounts.Lost Wallet Assistance: Cardholder’s will be providedassistance with notifying the appropriate issuing authoritiesto cancel and replace stolen or missing items, such as theirdebit/credit card, driver’s license, Social Security card, andpassport.Single Bureau Credit Monitoring: Cardholders’ TransUnioncredit file will be monitored for changes that could indicatefraud such as new credit inquiries, an address change or newcredit account(s) opened in their name. An alert notificationvia email will be sent anytime a hard inquiry is made on the2
cardholders’ TransUnion credit file so they can take immediateaction to minimize damage.To take advantage of this service, the cardholder must entertheir Social Security number on the dashboard and pass creditauthentication.Financial Account Takeover: IDT monitors cardholder’s highrisk transactions with more than 300 of the nation’s largestcompanies to uncover and thwart account takeover attempts.Monitored transactions include: Debit/credit cards/prepaid cards Bank accounts Brokerage accounts Healthcare portalsguide may be modified by subsequent endorsements.Modifications to the terms and conditions may be providedvia additional Guide mailings, statement inserts, or statementmessages. Mastercard or your financial institution cancancel or non-renew these services, and if we do, we willnotify you at least thirty (30) days in advance. If the Providernon-renews or cancels any services provided to eligibleMastercard cardholders, you will be notified within 30–120days before the expiration of the service agreement. In theevent substantially similar coverage takes effect withoutinterruption, no such notice is necessary. For general questionsregarding these services, please contact 1-800-Mastercard.Extended Warranty Workplace intranetsEvidence of Coverage Other services (e.g. peer-to-peer fund transfers)Refer to Key Terms for the definitions of You, Your, We, Us, Our,and words that appear in bold and Legal Disclosures.To take advantage of this service, the cardholder must enterthe accounts they wish to protect on the dashboard.URL and Domain Monitoring: URL and Domain monitoringallows Cardholder to enter up to 10 domain or URL namesrelated to cardholder’s business. This service will monitorthe domain and URL names for any compromised emailaddresses associated with the domain or URL names and ifcompromised email addresses are found in a data breach,this service will alert the registered cardholder via email andprovide information regarding the specific email address thatwas breached along with information about the date foundand source (provided that this information is available).For more information regarding the services stated above andadditional information, please visit es:There is no charge for these services, they are provided by yourFinancial Institution.Services NOT Provided: When it is determined you have committed any dishonest,criminal, malicious or fraudulent act. When your financial institution or card issuer which providesthis Service, has investigated the event and deemed you areresponsible for the charge or event. When any theft or unauthorized use of an account by aperson to whom the account has been entrusted has beencommitted.Program Provisions for Mastercard ID Theft Protection:This service applies only to you, the named Mastercardcardholder. You shall use due diligence and do all thingsreasonable to avoid or diminish any loss or damage toproperty protected by the program. The provider, GeneraliGlobal Assistance, relies on the truth of statement made inthe Affidavit or declaration from each cardholder. This serviceis provided to eligible Mastercard cardholders at no additionalcost and is in effect for acts occurring while the program is ineffect. The terms and conditions contained in this programA. To get coverage: You must purchase the new item entirely with your coveredcard and/or accumulated points from your covered card foryourself or to give as a gift. The item must have an original manufacturer’s (or U.S. storebrand) warranty of twelve (12) months or less.B. The kind of coverage you receive: Extended Warranty doubles the original manufacturerwarranty up to a maximum of twelve (12) months on mostitems you purchase. For products with multiple warrantycomponents, each warranty time period will be extendedup to a maximum of twelve (12) months. An example ofa product with multiple warranty components includes anappliance with original manufacturer’s (or U.S. store brand)warranties that differ for parts, labor, compressor, etc. If you purchase a service contract or an optional extendedwarranty of twelve (12) months or less on your item, wewill cover up to an additional twelve (12) months after boththe original manufacturer’s (or U.S. store brand) warrantyand the purchased service contract or extended warrantycoverage period end. If your service contract or extendedwarranty exceeds twelve (12) months, this coverage doesnot apply. If you do not have an additional service contract or anoptional extended warranty, this Extended Warranty benefitcommences the day after your original manufacturer’s (orU.S. store brand) warranty expires.C. Coverage limitations: The maximum benefit for repair or replacement shall notexceed the actual amount charged on your covered card or 10,000, whichever is less. If either the original manufacturer’s (or U.S. store brand)warranty or the service contract covers more than twelve(12) months, this benefit will not apply. We or our administrator will decide if a covered failure willbe repaired or replaced, or whether you will be reimbursed up3
to the amount paid for the item. Items will be replaced withthose of like kind and quality. However, we cannot guaranteeto match exact color, material, brand, size, or model.D. What is NOT covered: Used or antique items; collectibles of any kind (such as itemsdesigned for people to collect or items that over time becomecollectibles) that do not come with a manufacturer warranty(repair or replacement amount will not include market valueat time of claim); recycled, previously owned, refurbished,rebuilt, or remanufactured items; product guarantees (e.g.,glass breakage). Floor models that do not come with an original manufacturerwarranty. Motorized vehicles, including, but not limited to, automobiles,watercraft/boats, aircraft, and motorcycles, or their motors,equipment, or accessories. Parts, if purchased separately,may be covered. Land, any buildings (including, but not limited to, homesand dwellings), permanently installed items, fixtures, orstructures. Plants, shrubs, animals, pets, consumables, and perishables. Professional services (including, but not limited to, theperformance or rendering of labor or maintenance; repairor installation of products, goods or property; professionaladvice of any kind, including, but not limited to, information/services or advice secured from any help or support line;or technical support for software, hardware, or any otherperipherals). Application programs, operating software, and othersoftware. All types of media with stored data or music (including, butnot limited to, computer software, DVDs, video cassettes,CDs, film and audio cassettes). Any shipping charges, transportation and delivery charges, orpromised time frames for delivery, whether or not stated orcovered by the manufacturer’s warranty. Direct or indirect loss resulting from any Acts of God(including, but not limited to, flood, hurricane, lightning, andearthquake). Indirect or direct damages resulting from a covered loss. Mechanical failure arising from product recalls. Trip, service, or diagnostic charges in the absence of anycovered repairs or verified failure. Loss resulting from war or hostilities of any kind (including,but not limited to, invasion, terrorism, rebellion, insurrection,riot, or civil commotion); confiscation or damage by anygovernment, public authority, or customs official; risks ofcontraband, illegal activity, or acts. Mechanical failures caused by normal wear and tear orgradual deterioration where no failure has occurred. Items purchased for resale, professional, or commercial use. Mechanical failures caused by lack of maintenance/service. Losses caused by power surge, contamination by radioactiveor hazardous substances, including mold. Physical damage to the item. Any exclusion listed in the original manufacturer’s warranty.E. How to file a claim: Call 1-800-Mastercard or go to www.mycardbenefits.comto initiate a claim. You must report the claim within sixty (60)days of the failure or the claim may not be honored. Submit the following documentation within one hundred andeighty (180) days from the date of failure or the claim maynot be honored:oReceiptoshowing covered item(s).oStatementoshowing covered item(s).oItemizedopurchase receipt(s).oOriginalomanufacturer’s (or U.S. store brand) warranty.oServiceocontract or optional extended warranty, ifapplicable.oItemizedorepair estimate from a factory authorized serviceprovider. Any other documentation that may be reasonably requestedby us or our administrator to validate a claim.Satisfaction GuaranteeThe Legal Disclosure is part of this agreement.A. To get coverage:You must purchase the new item entirely with your coveredcard and/or accumulated points from your covered card foryourself or to give as a gift.B. The kind of coverage you receive: Purchases you make entirely with your covered card arecovered for sixty (60) days from the date of purchase asindicated on your receipt for a full refund in the event thatyou are dissatisfied with your purchase and the store will notaccept the item for return. Items you purchase with your covered card and give as giftsalso are covered. This coverage is secondary to any other applicable insuranceor coverage available to you or the gift recipient. Coverageis limited to only those amounts not covered by any otherinsurance or coverage.C. Coverage limitations: Coverage is limited to the actual cost of the item (excludingtaxes, storage, shipping, and handling costs), up to 250 perclaim. In no event will we pay more than the purchase priceof the item. Items must be returned undamaged, in good workingcondition, and in its original and complete packaging. You areresponsible for all mailing costs.D. What is NOT covered: Damaged, defective, or non-working items. Jewelry, art, used or antique items; collectibles of any kind(such as items designed for people to collect or items thatover time become collectibles); recycled, previously owned,refurbished, rebuilt, or remanufactured items. Customized/personalized, rare, one of a kind, or special orderitems.4
Professional services, including workmanship, installation,professional advice/counseling, and technical support, or helpline.issuer’s approval, you can receive a temporary card the nextday in the United States, and within two business days almosteverywhere else. Items purchased for resale, professional, or commercial use.Remember, if you report your card lost or stolen, you will notbe responsible for any unauthorized transactions on youraccount. Plants, shrubs, animals, pets, consumables, and perishables. All types of stored data or music (including, but not limitedto, computer software, DVDs, video cassettes, CDs, audiocassettes). Motorized vehicles, including, but not limited to, automobiles,watercraft/boats, aircraft, and motorcycles, or their motors,equipment, or accessories. Land, any buildings (including, but not limited to, homesand dwellings), permanently installed items, fixtures, orstructures. Game animals, pets, or specimens preserved for display (e.g.,fish, birds, reptiles, or mammals). Traveler’s checks, tickets of any kind (e.g., for airlines,sporting events, concerts, or lottery), negotiable instruments,bullion, rare or precious metals, stamps, and coins, currencyor its equivalent. Shipping charges, taxes, storage fees, postage,transportation and delivery charges; promised time framesof delivery. Products purchased at auctions.E. How to file a claim:Call 1-800-Mastercard or go to www.mycardbenefits.comto initiate a claim. You must report the claim within sixty (60)days of the date of purchase or the claim may not be honored. Submit the following documentation within one hundred andeighty (180) days of the date you report the claim:oReceiptoshowing the purchased item(s).oStatementoshowing the purchased item(s).oItemizedopurchase receipt(s).oWrittenodocumentation from the store manager orequivalent on store letterhead documenting the refusal toaccept the returned item.oAo copy of the store’s return policy. Any other documentation that may be reasonably requestedby us or our administrator to validate a claim.You must send the item to us or our administrator beforeany claim will be paid. Item must be returned in its originalpackaging along with the original owner’s manuals andwarranty information. You are responsible for all mailing orshipping costs to us or our administrator. Items sent to us orour administrator will not be returned to you.Mastercard Global ServiceMastercard Global Service provides worldwide, 24-hourassistance with Lost and Stolen Card Reporting, EmergencyCard Replacement, and Emergency Cash Advance.Call Mastercard Global Service immediately to report yourcard lost or stolen and to cancel the account. If you need tomake purchases or arrange for a cash advance, with yourIn the United States (including all 50 states, the Districtof Columbia, the U.S. Virgin Islands, and Puerto Rico) andCanada, call 1-800-307-7309. When out-of-country and inneed of assistance, you can easily reach a specially trainedMastercard Global Service Representative who can help you24 hours a day, 365 days a year, in any language.You can call toll-free from over 80 countries worldwide. Someof the key toll-free Mastercard Global Service telephonenumbers are:Australia.1-800-120-113Austria. 0800-070-6138France.0-800-90-1387Germany. 0800-071-3542Hungary. exico.001-800-307-7309Netherlands. 0800-022-5821Poland. 0-0800-111-1211Portugal. 800-8-11-272Spain.900-822-756United Kingdom. 0800-96-4767Virgin Islands.1-800-307-7309For additional information, or for country-specific, toll-freetelephone numbers not listed above, visit our website atwww.mastercard.com or call the United States collect at1-636-722-7111.Account Information and Card Benefits:When in the United States, contact your card issuer directlyfor account information and 1-800-Mastercard for cardbenefits. When traveling outside the U.S., call MastercardGlobal Service to access your card issuer for accountinformation or to access any of your card benefits.ATM Locations:Call 1-877-FINDATM (1-877-346-3286) to find the locationof a nearby ATM in the Mastercard ATM Network acceptingMastercard , Maestro , and Cirrus brands. Also, visit ourwebsite at www.mastercard.com to use our ATM
brand) warranty of twelve (12) months or less. B. The kind of coverage you receive: Extended Warranty doubles the original manufacturer warranty up to a maximum of twelve (12) months on most items you purchase. For products with multiple warranty components, each warranty time period will be
