Flat Size: 8.5 x 11” Folded Size: 5.5 x 8.5 BENEFITS.

[Pages:44]YOUR BENEFITS.

WE THINK YOU'LL BE IMPRESSED ...

You're about to discover that there are some pretty impressive benefits that come with your Capital One? MasterCard.?

Take our great travel-related benefits, for instance. You'll see that you're well covered for all those upcoming trips (the ones you'll be paying for with your Capital One MasterCard, of course!) ? plus, if you have a spouse and/or children, they're covered, too. You'll also find that your card features everyday benefits that could come in just as handy here at home.

It's a good idea to read through this entire booklet so you'll know about all of your card's benefits. And while we've done our best to cover everything you need to know about your benefits in this booklet, you still might have questions. If you do, you can always reach us at 1-800-481-3239.

YOUR BENEFITS 1

CONTENTS

TRAVEL BENEFITS 2

? Travel Emergency Medical ? Trip Cancellation ? Trip Interruption ? Flight Delay ? Baggage Delay ? Baggage Loss ? Common Carrier Travel Accident Insurance ? Travel Assistance ? Car Rental Collision/Loss Damage Waiver

EVERYDAY BENEFITS 3

? World Elite MasterCard Concierge Services ? World MasterCard Concierge Services ? Purchase Assurance ? Extended Warranty ? Price Protection Service

MASTERCARD BENEFITS 4

? Zero Liability ? MasterCard Global ServiceTM

CERTIFICATE OF INSURANCE 5

2 YOUR BENEFITS

Enjoy valuable travel benefits virtually everywhere you go.

TRAVEL BENEFITS

Travel Emergency Medical Provides emergency medical coverage anywhere in the world and is automatically included whether or not you purchase travel using your eligible Capital One card. As the primary Cardholder, you, your spouse and your dependent children, when travelling with either parent, are covered for trips up to 22 days, if under 65 years of age, and for trips up to 8 days, if 65 years of age or older. The date of departure is counted as the first day. This benefit is subject to an exclusion for pre-existing medical conditions.

Trip Cancellation If an illness, injury or other covered cause prevents you from starting your trip, you'll be covered for up to $1,000 of eligible cancellation expenses per insured person, to a maximum of $5,000 for all insured persons on the same trip. Trip Cancellation coverage is available to you, your spouse and your dependent children, when travelling with either parent, and up to two companions travelling with you and/or your spouse when the full cost of your trip expenses are charged to your Capital One card. Eligible expenses include the cost of unused travel arrangements that were charged to your Capital One card.

Trip Interruption If an illness, injury or other covered cause prevents you from continuing your trip, you'll be covered for up to $5,000 of eligible trip interruption expenses, per insured person, to a maximum of $25,000 for all insured persons on the same trip. Trip Interruption coverage is available to you, your spouse and your dependent children, when travelling with either parent, and up to two travelling companions when the full cost of your trip expenses are charged to your Capital One card.

Flight Delay You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit of $250 per day and $1,000 per trip for all insured travellers. Simply charge the full cost of your tickets to your Capital One card.

Baggage Delay If your checked baggage is delayed for more than four hours at your away-from-home destination, you, your spouse and your dependent children may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items. Simply charge the full cost of your tickets to your Capital One card.

YOUR BENEFITS 3

Baggage Loss If your checked baggage is lost by an airline, all insured travellers can be reimbursed up to $1,000 per trip. Simply charge the full cost of your tickets to your Capital One card.

Common Carrier Travel Accident Insurance Charge your fare to your Capital One credit card and you, your spouse and dependent children are insured against accidental loss of life or dismemberment for up to $500,000 while travelling on a common carrier (for example, a bus, cruise ship, plane or train).

Travel Assistance Provides 24/7 assistance for medical referrals, emergency cash transfers, lost documents and ticket replacements, lost luggage assistance and legal referrals when travelling outside your province of residence. Any costs incurred in connection with these services are charged to your Capital One card.

Car Rental Collision/Loss Damage Waiver Charge the full cost of your car rental to your Capital One card and decline the collision damage waiver insurance offered by the rental agency (you could save $20-$30 per day) and you'll be insured if your rental car is damaged or stolen when you rent the car for a period of up to 48 days.

Information and Claims Toll-free: 1-866-224-0178 Outside of North America, call collect: 416-642-2303

EVERYDAY BENEFITS

World Elite MasterCard Concierge Services (Available for World Elite MasterCard cardholders only.) Enjoy access to comprehensive, personalized assistance 365 days a year. Let the World Elite MasterCard Concierge become your single source for all your needs, including special access and privileges, whether you are at home or away. A highly trained and experienced team is always at your fingertips, ready to save you time and make things easier for you. Whether it's securing dinner reservations, tickets to events, coordinating business arrangements, locating hard-to-find items or booking travel, the World Elite MasterCard Concierge can help bring you the very best whenever you need it. Any costs incurred in connection with these services will be charged to your Capital One? card.

Information and Claims for World Elite MasterCard Concierge Services Toll-free: 1-800-481-3239 Outside of North America, call collect: 1-804-934-2010

Extra protection on the items you buy, at no extra cost.

4 YOUR BENEFITS

Essential help and support when you really need it.

Concierge Services (Available for World MasterCard cardholders only.) One-call assistance for travel arrangements (flight, hotel, car rental), entertainment (restaurants, golf, sports, theatre, attractions, tours), business (translation, equipment facilities) and shopping (floral or gift baskets, gift research and purchase and occasion reminder). Any costs incurred in connection with these services will be charged to your Capital One card.

Purchase Assurance Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One card. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company's discretion.

Extended Warranty When you use your Capital One card to purchase most personal items (and the full cost of the item is charged to your card), Extended Warranty coverage automatically doubles the original manufacturer's warranty for up to two years.

Price Protection Service When you use your Capital One card to buy a new item in Canada that is offered for sale at a lower price within 60 days of purchase, Price Protection Service pays you the difference up to $100 per item and $500 per calendar year.

Information and Claims for all other Everyday Benefits Toll-free: 1-866-224-0178 Outside of North America, call collect: 416-642-2303

MASTERCARD? BENEFITS

Zero Liability If you're worried about unauthorized charges being made to your account, relax. As a Capital One Cardholder, you're protected. We provide Zero Liability for unauthorized use of your card. That means you won't pay for any unauthorized purchases on your card. We also monitor your account regularly for fraudulent activity.

MasterCard Global ServiceTM Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.

Information and Claims Toll-free: 1-800-481-3239 Outside of North America, call collect: 1-804-934-2010

YOUR BENEFITS 5

CERTIFICATE OF INSURANCE

Amended and Restated Effective Date: September 1, 2014

This Certificate of Insurance contains information about your Coverage. Please read it carefully and keep it in a safe place. Refer to the Definitions section or to the applicable description of benefits for the meanings of all capitalized terms.

Trip Cancellation, Trip Interruption/ Delay, Flight Delay, Lost Baggage, Purchase Assurance, Extended Warranty, Car Rental Collision/Loss Damage Waiver and Baggage Delay Insurance are insurance coverages underwritten by American Bankers Insurance Company of Florida, Travel Emergency Medical Insurance (except for travel in Cuba) and Common Carrier Travel Accident Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida, and Travel Emergency Medical Insurance for travel in Cuba is insurance coverage underwritten by Zurich Insurance Company Ltd (hereinafter collectively referred to as "Insurer") under Group Policy numbers COB062010 and 8697199 (hereinafter collectively referred to as the "Policy") issued by the Insurer to Capital One Bank (Canada Branch) (hereinafter called the "Policyholder"). Price Protection Service is a service provided by

American Bankers Insurance Company of Florida and included in the Policy. The above insurance coverages and service are hereinafter collectively referred to as the "Coverage".

The terms, conditions and provisions of the Policy are summarized in the Certificate of Insurance, which is incorporated into and forms part of the Policy. All benefits are subject in every respect to the Policy, which alone constitutes the agreement under which benefits will be provided. You, or a person making a claim under the Certificate of Insurance, may request a copy of the Policy and/or a copy of your application for this Coverage (if applicable) by writing to the Insurer at the address shown below.

In no event will a corporation, partnership or business entity be eligible for the Coverage provided by the Certificate of Insurance.

American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida ? Canadian head office is located at 5000 Yonge Street, Suite 2000, Toronto, Ontario, M2N 7E9.

Zurich Insurance Company Ltd's Canadian head office is located at 100 King Street West, Suite 5500, Toronto, Ontario, M5X 1C9.

Claim payments and administrative services under this Policy are arranged by the Insurer.

Read this certificate to learn exactly what you're covered for.

6 YOUR BENEFITS

DEFINITIONS

Accident means a sudden, unexpected and unforeseeable cause of injury from an external source.

Accidental Bodily Injury means bodily injury caused directly by an Accident occurring while the insurance evidenced by this Certificate of Insurance is in force, which results, within 365 days after the date of the Accident, directly in any of the losses to which the insurance applies, and is sudden, unforeseen, unexpected and independent of any disease, bodily infirmity, bodily malfunction or any other cause.

Account means the Primary Cardholder's Capital One World Elite MasterCard Account or a Capital One World MasterCard Account which is in Good Standing with the Policyholder.

Administrator means the service provider arranged by the Insurer to provide claims payment and administrative services under the Policy.

Capital One MasterCard means a Capital One World Elite MasterCard Account or a Capital One World MasterCard.

Car Sharing means a car rental club that provides its members with 24-hour access to a fleet of cars parked in a convenient location.

Cardholder means the Primary Cardholder and any supplemental Cardholder, who is a natural Person, resident in Canada and who is also issued a Capital One MasterCard, as defined herein, and whose name is embossed on the card.

Cardholder may also be referred to herein using "You" and "Your."

Common Carrier means any land, air or water conveyance operated, which is licensed to carry passengers without discrimination and for hire, excluding courtesy transportation provided without a specific charge.

Dependent Child means Your unmarried natural, adopted or step-children who are dependent on You for maintenance and support and who are either under 21 years of age, or under 25 years of age and in full-time attendance at a recognized institution of higher learning in Canada. Dependent Child(ren) also includes children 21 years of age or over who are permanently mentally or physically challenged and incapable of self-support.

Dollars and "$" means Canadian dollars.

Eligible Expenses mean charges for any of the following travel arrangements which have been booked or reserved prior to Trip departure and for which all costs have been charged to Your Account and/or paid for with Capital One reward miles:

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