Welcome to River City Federal Credit Union

> Standard MasterCard Benefits

Travel Accident Insurance $100,000
Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.

Baggage Delay Benefit
Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.

> Visa Classic Benefits

Travel Accident Insurance $100,000
Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.

Baggage Delay Benefit
Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.

Auto Rental Insurance
Car rental insurance coverage when the car is rented using a Visa car.

> Gold MasterCard Benefits

Travel Accident Insurance $250,000
Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.

Baggage Delay Insurance
Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.

MasterCard Exclusive Smart Shopper Benefits including:

Satisfaction Guarantee Coverage -If a cardholder is dissatisfied with something bought within 60 days of purchase they may be eligible for coverage under this insurance program.
Purchase Assurance® - Coverage for merchandise purchased with a MasterCard that is damaged or stolen within the first 90 days.
Extended Warranty - Doubles the coverage period of the original manufacturers warranty up to a maximum of 12 months on most items purchased with a MasterCard.
Master RoadAssist® Service - Cardholders that break down on the road while traveling in the U.S. can be assured of emergency roadside assistance services at pre-negotiated rates.
Travel Assistance Services - Traveling more than 50 miles from home, cardholders can be assured of assistance with medical emergencies, referrals, prescriptions, legal services, and much more.
MasterCard Global Service - Worldwide assistance with lost/stolen cards and emergency cash.

> Visa Gold Benefits

Travel Accident Insurance $250,000
Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.

Baggage Delay Insurance
Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.

Auto Rental Insurance
Car rental insurance coverage when the car is rented using a Visa card.

> Platinum MasterCard & Visa Benefits

Travel Accident Insurance $1,000,000
Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.

Baggage Delay Insurance
Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.

MasterCard Emergency Cardholder Services include:

Lost and Stolen Card Reporting
The MasterCard Solutions Center notifies the issuer of the missing card within 15 minutes of a cardholder's call.

Emergency Card Replacement (ECR)
With the issuer's approval, cardholders receive a temporary replacement card by the next day in the United States and within two business days almost everywhere else. By embossing ECRs at locations closer to cardholders-at three primary locations
worldwide-we can offer faster delivery. And now, card validation code (CVC) technology is available for ECRs-providing a higher level of security for temporary cards than ever before.

Emergency Cash Advance (ECA)
If a card is lost or stolen, the cardholder can receive cash-generally within 15 minutes in the United States and within one hour almost everywhere else. Our ECA program with Western Union provides cash through 196,000 locations worldwide. In addition,
cash advances are available through banks in areas where Western Union does not operate.

ATM Locations
Cardholders are directed to the nearest of our 906,000 ATMs.

Account-Related Inquiries
Cardholders are transferred or referred to the issuer or to the designated vendor for account-related information.

Visa Emergency Cardholder Benefits include:

Emergency Card Replacement
This service provides emergency card replacements to Visa cardholders who are in need of a replacement card (for example if their Visa card has been lost or stolen) and are traveling domestically or internationally.

Emergency Cash Disbursement
This service provides emergency cash disbursements, usually within hours, to Visa cardholders who are in need of cash (for example if their Visa card has been lost or stolen) and are traveling domestically or internationally.

Lost and Stolen Card Reporting
Visa Customer Care Services (VCCS) receives calls from cardholders or third parties when a Visa card has been lost, stolen, or is subject to fraud. VCCS collects service requests of lost or stolen cards, blocks accounts on VisaNet when a full card number is available, and immediately notifies the issuer of all service requests.

Cardholder Inquiry Service (CIS)

. Cell Phone Protection that provides reimbursement for damage or theft of a cell phone as long as members charge their monthly cell phone bill to their card.

. Auto Rental CDW Insurance Coverage new for MasterCard Platinum that provides collision/damage coverage on auto rentals. Previously, this valuable travel benefit was only available on Visa cards.

. Additional Visa Platinum Benefits including Purchase Security, Extended Protection, Return Protection, and Roadside Dispatch will add real value to your cards.

MasterCard Exclusive (MasterCard only) Smart Shopper Benefits including:

Satisfaction Guarantee Coverage -If a cardholder is dissatisfied with something bought within 60 days of purchase they may be eligible for coverage under this insurance program.
Purchase Assurance® - Coverage for merchandise purchased with a MasterCard that is damaged or stolen within the first 90 days.
Extended Warranty - Doubles the coverage period of the original manufacturers warranty up to a maximum of 12 months on most items purchased with a MasterCard.
Master RoadAssist® Service - Cardholders that break down on the road while traveling in the U.S. can be assured of emergency roadside assistance services at pre-negotiated rates.
Travel Assistance Services - Traveling more than 50 miles from home, cardholders can be assured of assistance with medical emergencies, referrals, prescriptions, legal services, and much more.
MasterCard Global Service - Worldwide assistance with lost/stolen cards and emergency cash.