British Airways Visa Platinum

British Airways and The Executive Club are Sign Uped trademarks of British Airways. British Airways reserves the right to change The Executive Club programme rules, regulations, travel awards and special offers at any time without notice and to end the Executive Club programme with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. British Airways is not responsible for products or services offered by other participating companies. For complete details about the Executive Club programme, visit www.ba.com. British Airways, including its Executive Club programme, is not a financial service provider. Altas Union issues the Altas Union British Airways card.

Avios

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Earn Avios for everyday purchases

• 2 Avios for every US$1(or local currency equivalent) spent on British Airways
• 1 Avios for every US$1(or local currency equivalent) spent on other purchases
• Avios can be redeemed for reward flights* to over 600 destinations on British Airways or any oneworld® partner
• 7,000 Bonus Avios You'll be on your way to earning your flight rewards when you receive 7,000 bonus Avios upon activation of your Altas Union British Airways Visa Platinum Credit Card

Additional Benefits

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Travel Accident Insurance

Purchase your ticket for air, sea, or rail travel with your British Airways Visa Platinum Credit Card and you are automatically entitled to Travel Accident Insurance coverage. So, in the event that you, your spouse or children under 23 years of age are injured while travelling, each of you will be automatically covered up to US$1,000,000.

The coverage is worldwide and is a valuable complement to normal travel and medical insurance, which you may still wish to arrange.

This service includes assistance during travel, such as:

Medical Assistance Service

If a British Airways Visa Platinum cardholder or any family member becomes sick or suffers any injuries while on a trip, the Centre is able to:

• Provide cardholders with information about physicians, dentists and local hospitals that speak their language
• Appoint a physician who will contact the local medical staff by phone and, if needed, will monitor the cardholder's condition. In addition, he will keep in touch with the cardholder's family and will act as a permanent liaison to insure the cardholder's satisfaction
• Assist the cardholder in making the necessary arrangements for the payment of medical services through available credit or other types of insurance
• Keep in touch with cardholders and make the necessary arrangements to establish communication with friends, acquaintances or co-workers, as needed

Emergency Legal Assistance

The Centre has the ability to refer cardholders to attorneys, embassies and consulates of their respective countries in case the cardholder is arrested by local authorities, is involved in a car accident or needs legal counseling. The Centre will keep in touch with cardholders and will make the necessary arrangements to establish communication with friends, acquaintances and co-workers, as needed.

The Centre may also arrange for the payment of bonds through a wire transfer of funds from the cardholder's personal chequing or Visa account.

Urgent Ticket Replacement

If a cardholder loses his ticket, the Centre may arrange for its replacement and delivery of new tickets and will assist him in the procedure to request a refund for the lost ticket.

Emergency Message Services

The Centre has a telephone service available 24 hours to receive and send emergency messages to travelers, next of kin or co-workers. The message will be stored during an indefinite term and will be picked up within a reasonable time.

Lost Baggage Assistance

Should the airline lose the cardholder's checked-in baggage, the Centre will make the necessary arrangements for the immediate delivery of replacement items and cash advance, as well as assist the cardholder in filing the appropriate claim with the airline insurance company, as needed. All costs incurred will be at the cardholder's expense.

Emergency Transportation Assistance

If needed during a medical emergency, the Centre will assist the cardholder in making the necessary arrangements for the emergency transportation to his home or the nearest medical centre. The cardholder will be responsible for all costs. This service includes transportation of the cardholder's children back home and all communications with family members or employers. In case of death, the Centre will make the necessary arrangements with the cardholder's family or friends to return his remains back to his country.

Prescriptions and Delivery of Valuable Documents Assistance

The Centre will assist cardholders in connection to the purchase of prescribed medicines in local or nearby pharmacies. The cardholder will be responsible for the cost of any medication. The Centre will send valuable documents which cardholders may have misplaced while travelling, at the cardholder's expense.

NOTE: Visa offers the Travel Assistance Services at no additional charge to the cardholder and as part of the benefits granted by Visa Gold card. Travel Assistance Services offer assistance and recommendations only, the cardholder is responsible for any medical, legal and transportation costs, cash advance or other service or item provided.

In case of exceptional circumstances, including distance, location or time difference, Visa, its Service Providers or contractors may not be held liable for the availability, usage, costs or results of any medical, legal or transportation service.

Auto Rental Insurance

Every time you rent a car with your British Airways Visa Platinum Credit Card, you will be covered by Visa's Auto Rental Insurance. This automatic insurance coverage gives you the option to decline similar coverage offered by the auto rental company.

• Includes cardholders and all Sign Uped drivers
• Must decline Collision and Loss coverage (CDW/LDW)
• No coverage limit
• Applicable domestically and anywhere else in the world
• Includes all types of cars except exotic vehicles (collectors, etc)

Insurance is valid if:

• Reservation and rental payment were carried using your Visa Platinum Credit Card
• Rental Agreement does not exceed 31 days

For further details and how to file your claims, please call the Visa Assistance Centre at 1 800 847-2911 or collect at (410) 581-9754.

Extended Warranty Coverage

Doubles the free repair term offered by the original manufacturer's repair warranty

• Products with manufacturer's warranty are eligible
• The eligible item must have an original manufacturer's warranty in writing, valid in the country where the item was purchased
• One additional year maximum

Insurance may pay directly to the provider that will repair the item, or reimburse the cardholder for the service that he/she paid.

This coverage also covers gifts purchase with your British Airways Visa Platinum Credit Card.

For further details and how to file your claims, please call the Visa Assistance Centre at 1 800 847-2911 or collect at (410) 581-9754.

Personal Concierge

This service, specially designed with your needs in mind, provides you with a range of information and assistance 24 hours a day, 7 days a week, 365 days a year. This service is of invaluable assistance when away from home for: sending gifts, booking tickets or tours, renting vehicles, making restaurant reservations, and more.

You can have direct access to this service by calling Visa Global Customer Care Services Toll free at 1-800-396-9665 or Collect at 410-902-8022.

Emergency Medical Indemnification

As a British Airways Visa Platinum Cardholder, you, your spouse and dependent children under 23 years of age, will be each covered automatically up to a maximum of US$25,000 worldwide (EUR €30,000 in European countries that are Schengen agreement participants), per person for the Usual Reasonable and Customary Charges for Covered Medical Expenses (subject to a US$0 deductible) in the event of Serious Injury or Sickness which occurs during the course of a Covered Journey outside of your country of residence (with the exception of residents in Brazil, Argentina and Mexico for domestic trips over 150km from their primary residence). A journey is considered covered if the full travel fare has been purchased with a valid and active International Visa Card and it does not exceed 60 days. All Covered Medical Expenses are in excess of all valid and collectible insurance. Pre-Existing Conditions are not covered.

Treatment must be received upon the recommendation of the attending physician and provided during the course of your Covered Journey.

In addition, each person will be eligible to receive the following indemnified services:

• US$25,000 worldwide (EUR€30,000 in European countries that are Schengen agreement participants), per person for the Usual Reasonable and Customary Charges for Covered Medical Expenses (subject to a US$0 deductible) in the event of Serious Injury or Sickness which occurs during the course of a Covered Journey outside of your country of residence
  • US$1,000 for dental expenses
  • US$1,000 for prescription medicines
  • US$1,000 for legal expenses
• US$50,000 worldwide (EUR€30,000 in European countries that are Schengen agreement participants) for covered expenses incurred during the course of a Covered Journey if the injury or sickness results in a necessary Emergency Evacuation, in case adequate medical facilities are not locally available in the event of an accident or illness. Visa Assistance Centre will arrange and pay the Reasonable and Customary Charges for an emergency evacuation to the nearest facility capable of providing adequate care
• US$25,000 maximum for the Reasonable and Customary Charges incurred during the course of a Covered Journey in the case of death for Repatriation of Remains;
• US$5,000 maximum to cover the cost of any additional charges that an airline may apply for changing a return ticket in case of an Early Return home due to the unexpected death, serious injury, or sickness of you, your traveling companion or immediate family member. In case of a non-refundable ticket with no possibility of changes, this benefit will be paid up to the maximum benefit amount to cover the purchase of an economy ticket. Visa Assistance Centre must coordinate and make the necessary arrangements to bring the beneficiary back home in this event
• US$500 maximum for loss of travel and/or accommodation expenses for the unused, non-refundable pre-paid expenses paid by the Beneficiary, less the value of applied credit from the unused return travel ticket to return home, if prior to the date of return, the Beneficiary's Covered Trip is interrupted due to: Unexpected Death, Serious Injury or Sickness of the Beneficiary, Beneficiary's Travelling Companion or Beneficiary's Immediate Family Member
• US$5,000 to cover the cost of an economy air ticket to send unaccompanied dependent minor children or an elderly travel companion back home or the cost of a person who will accompany the dependent minor children or the elderly travel companion during the trip home in the event the cardholder is hospitalised in a foreign country for over 5 days during a trip that was paid with his Visa card
• US$750 for covalence care (US$150 per day up to 5 days)

What do I need to be eligible?

You must possess a valid and active International Visa Card, use it to purchase the entire travel fare(s) and your travel must not exceed of 60 days.

What do I do if I become seriously ill or sustain an injury while on a Covered Journey?

It is recommended that you contact the Visa Assistance Centre at 1 800 847 2911 or collect at (410) 581-9754 as soon as possible after the onset of the illness or occurrence of the injury. If you need a physician or medical provider the Visa Assistance Centre can help you. They also have doctors and nurses on staff that will monitor your progress on a daily basis to make sure you are getting proper medical care and attention. If you choose not to use the Visa Assistance Centre, you must contact a certified medical practitioner or a licensed and accredited hospital facility. Be sure to save any medical bills for submission to the Visa Claims Administrator. Once they have received proper documentation, you will be reimbursed for all covered charges.

Do I have to pay all medical expenses?

Visa's Emergency medical assistance is a cashless service. That means if you call first to the Visa Assistance Centre, we will take care of the coordination of the services rendered and also we will cover directly all covered medical expenses allowing you to avoid paying for the medical expenses covered by this benefit and filing for reimbursement. In case you choose not to use the Visa Assistance Centre, you must contact a certified medical practitioner or a licensed and accredited hospital facility, pay for services rendered, and submit covered medical bills to the Visa Claims Centre.

What is included in the Covered Medical Expenses?

The expenses that will be covered are those that you incur during the course of a Covered Journey for services and supplies which are recommended by the attending Physician. They include:

• The services of a physician
• Anesthetics (including administration), x-ray examinations or treatments, and laboratory tests
• Ambulance service and drugs, medicines, and therapeutic services and supplies
• Dental treatment resulting from injuries sustained to sound natural teeth

Which hospitals are covered?

The hospitals covered are those which: (a) hold a valid license (if required by law); (b) operate primarily for the care and treatment of sick or injured persons; (c) have a staff of one or more physicians available at all times; (d) provide 24-hour nursing service and have at least one Sign Uped professional nurse on duty at all times; (e) have organized diagnostic and surgical facilities, either on premises or in facilities available to the hospital on a pre-arranged basis; and (f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or a facility operated as a drug and/or alcohol treatment centre.

What are considered Reasonable and Customary Charges?

You will be covered for treatment, supplies and medical services, which are medically necessary, provided they do not exceed the usual and customary level of charges for similar treatment, supplies or medical services in the locality where treatment is provided. Charges that would not have been made without this benefit are not included in coverage.

What is considered Serious Injury or Sickness?

You will be covered for injury or sickness, which first manifests itself or is contracted during the course of the Covered Journey, is certified as being dangerous to life by a legally qualified medical practitioner and requires the treatment of a physician.

What is considered a Pre-existing Condition?

Pre-existing condition for an Injury means a condition for which medical care, treatment, or advice was recommended by or received from a physician or which was first manifested or contacted preceding the effective date of coverage. Preexisting condition for a sickness means a condition occurring during the ninety (90) day period prior to and including the individual effective date of coverage for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care, or treatment. A condition that is controlled (not exhibiting symptoms or requiring an adjustment of treatment or medication) throughout the ninety (90) day period by the taking of prescription drugs or medications and travel restrictions are not advised by a licensed physician, then the medical condition will not be considered a Pre-Existing Condition.

What is not covered?

The following is not covered: Services, supplies, or treatment, including any period of hospital confinement, which were not recommended, approved, and certified as Medically Necessary by a physician; Routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a physician; Elective, cosmetic, or plastic surgery, except as a result of an accident; Congenital anomalies and conditions arising out of or resulting there from; expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails; The diagnosis and treatment of acne; Deviated septum, including sub mucous resection and/or other surgical correction thereof; Organ transplants that competent medical professionals consider experimental; Well child care including exams and immunizations; Private hospital or medical care within home country of residence where public funded services or care is available; Any expenses incurred in home country of residence; Eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof, unless Injury or Sickness has caused impairment of vision or hearing or treatment provided in a government hospital or services for which no charge is normally made; Mental, nervous, or emotional disorders or rest cures; Pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices; Any Pre-existing Condition ; Medical expenses covered under any workers compensation policy; Medical expenses incurred as the result of alcohol, and/or drug abuse, addiction or overdose.

Any Surgical or other medical procedure, test or therapies, that can safely be delayed until the return of the beneficiary to his/her home country.

This programme does not cover any expenses provided by another party at no cost to you or already included in the cost of the Covered Journey.

What if the severity of the sickness or injury results in death or the need for emergency evacuation?

If a legally licensed physician certifies that the severity or the nature of the injury or sickness warrants Emergency Evacuation, and the evacuation is approved and ordered by the Visa Assistance Centre in consultation with the attending physician, you will be covered up to US$50,000 each for the expenses incurred for the evacuation during the course of a Covered Journey. In the case of death to the Beneficiary (s) during the course of a Covered Journey, the beneficiary (s) will be covered up to US$25,000 each for reasonable expenses incurred to return the Beneficiary's body(s) to the country of residence.

Do I need pre-approval for emergency evacuation?

Yes, the evacuation must be approved and ordered by the Visa Assistance Centre in consultation with a legally licensed physician who certifies that the severity or the nature of the injury or sickness warrants emergency evacuation. You must obtain Visa Assistance Centre's pre-approval and/or the Visa Assistance Centre must make the actual medical transportation arrangements.

Do I need pre-approval in the case of repatriation of remains?

No. As long as the expenses are within what is considered reasonable and customary, pre-approval is not necessary. However, to protect the Beneficiary from excessive charges, it is recommended that the Visa Assistance Centre make the repatriation arrangements, as provider rates may substantially exceed what is considered Usual and Customary Charges and therefore the excessive portion would not be covered.

Do I need pre-approval for early return?

Yes, the before using the early return benefit you must obtain Visa Assistance Centre's pre-approval and the Visa Assistance Centre must make the actual transportation arrangements.

What conditions are necessary for emergency evacuation coverage?

The expenses that will be covered are those that you incur during the course of a Covered Journey for services and supplies which are recommended by the attending Physician. They include:

• Your medical condition must warrant immediate transportation from the place where you are injured or sick to the nearest hospital where appropriate medical treatment can be obtained; or/and
• If after being treated at a local hospital, your medical condition warrants transportation to the nearest qualified medical facility, or to your country of residence to obtain further medical treatment, or to recover

What kind of transportation will be provided in the case of an evacuation?

Any land, water or air conveyance required to transport you during an emergency evacuation will be provided. Special transportation includes, but is not limited to, air ambulances, land ambulances and private motor vehicles.

How do I obtain a certificate of coverage in order to obtain a visa for the European countries participants in the Schengen treaty?

You must call the Visa Assistance Centre at 1 800 847-2911 or collect at (410) 581-9754 in order to request your certificate. This certificate will be issued by fax or email with no cost for you.

How do I file a claim?

You must call the Visa Assistance Centre at 1-800-847-2911 within 30 days following the date of the occurrence of Serious Injury or onset of the Sickness on your Covered Trip. The representative will answer any questions you may have and will send you a Claim Form.

The completed Claim Form must be returned within 90 days of the date of the occurrence of the Serious Injury or onset of the Sickness along with the following documentation:

• A copy of your customer statement and Common Carrier Ticket, as proof that the entire travel fare was purchased with your valid Visa International Card
• A copy of any bill(s) incurred from your Medical Provider(s)
• Documentation of any other valid and applicable insurance
  A copy of all applicable medical reports including the name and address of the medical facility and any attending physicians
• A completed Visa Accident and Sickness Medical Claims Form which contains medical information release
• For repatriation a certified copy of the death certificate and bills for services rendered
  Not doing so could result in the denial of your claim.

Please keep in mind the General Programme Provisions…

All indemnified assistance services described herein are subject to change or cancellation without notice. This Assistance is effective the later of July 1, 2002, the date your bank elected this coverage, or the date of issuance of your card and will cease on that date the indemnified assistance plan is terminated.

This description of the indemnified assistance is not a contract of insurance and is intended to be a general informative statement of the indemnified assistance services made available by Visa International Service Association ("Visa International") throughout Latin America and Caribbean Region. In some instances, according to the Indemnified assistance contract the laws in the jurisdiction where your local Visa International Card has been issued, the US Dollar benefit amounts shown will be converted to equivalent local currency and certain details of coverage may differ from what is outlined in this document.

Complete provisions pertaining to this plan of service are contained in the indemnified assistance services contract on file with Visa International, Latin America and Caribbean Region, Miami, Florida. If a statement in the description of the indemnified assistance services and description of the indemnified assistance services contract differ, the local requirements pertaining to indemnified assistance programs in the jurisdiction where your Visa International Card has been issued will govern. The Plan is administrated by:

AXA Assistance USA Inc.

If you need to submit a claim or have questions regarding this programme, call the Visa Assistance Centre, 24 hours a day, 365 days a year, toll free at 1-800-847-2911 or collect at (410) 581-9754.

Baggage Loss Insurance

When you purchase your full travel fare with your British Airways Visa Platinum Credit Card, you, your spouse and your dependent children under 23 years of age will each be insured automatically up to US$1,000. This covers any baggage that is lost due to theft or misdirection while in the care, custody and control of any Common Carrier licensed for transport of passengers.

Claim value is determined by:

• Replacement cost
• In case of pair or set
• Replacement, or
• Restoration of pair or set at the same value it had prior to loss

For further details and how to file your claims, please call the Visa Assistance Centre at 1 800 847-2911 or collect at (410) 581-9754.

Legal Expenses Insurance

While on any journey outside your country of residence paid for with your British Airways Visa Platinum Credit Card, you, your spouse and your dependent children under 23 years of age will be insured automatically up to US$1,000 for legal expenses incurred as a result of false arrest or wrongful detention by any Government or Foreign Power during the course of your journey.

For further details and how to file your claims, please call the Visa Assistance Centre at 1 800 847-2911 or collect at (410) 581-9754.

Trip Cancellation Insurance

You, your spouse and your dependent children under 23 years of age will each be insured automatically up to US$2,500 for travel and/or accommodation expenses for which you have made advance payment with your British Airways Visa platinum Card and for which you are legally liable and which are not recoverable from any other source if the covered trip is cancelled between the date of payment of travel and or/ accommodation expenses and the date of commencement of the covered trip.

For further details and how to file your claims, please call the Visa Assistance Centre at 1 800 847-2911 or collect at (410) 581-9754.

Authorisation Clause for British Airways Application

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Authorisation:

I/We agree to the Bank's transfer of my/our personal data to British Airways (including its business partners or selected companies) for the purposes of marketing promotion and business development of services/products which may be of interest to me/us. I/We shall be entitled to request for details of personal data so transferred and to write to British Airways to amend or discontinue further use of my/our personal data by British Airways.

Email:

British Airways will use your e-mail address to administer your account and send marketing messages. You can update your preferences at www.ba.com.The Bank will use this email address for further promotional and information updates.