Worldwide Travel Inconvenience Insurance provided through Automatic Common Carrier Baggage and

Baggage Delay Reimbursement

Certain limitations and exclusions apply.

Summary of Coverage:

children, when such person has purchased Common Carrier passage fare entirely with their Wells Fargo Propel 365

American Express® Card.

Cardholder means a holder of any Card whose name is embossed, printed or otherwise affixed on such Card, or

who has entered into an agreement with Wells Fargo Bank, N.A. for the extension of credit to be used to purchase

goods and services from merchants participating on the American Express network.

Card means a payment card or other payment device or method linked to or representing a credit or charge account

issued by Wells Fargo Bank, N.A. in the United States under license from American Express, which can be used to

purchase goods and services from merchants participating on the American Express network.

Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or

business is the transportation of persons or things without discrimination and for hire.

Carry-On Baggage means suitcases or other containers specifically designated for carrying personal property,

which are carried on board a Common Carrier by the Insured.

Actual Cash Valuemeans the cost to replace the lost or damaged personal property at the time of loss, less

depreciation.

and support and who are: under the age of 19 and reside with the insured; beyond the age of 19 who are permanently

mentally or physically disabled and incapable of self support; or under the age of 25 and a full-time student at an

institute of higher learning.

Domestic Partner means a person designated in writing at time of claim by the primary Insured Person, who is at

least eighteen (18) years of age, and who during the past twelve (12) months: 1) has been in a committed

relationship with the primary Insured Person; and 2) has been the primary Insured Person’s sole spousal equivalent;

and 3) has resided in the same household as the primary Insured Person; and 4) has been jointly responsible with the

primary Insured Person for each other’s financial obligation, and who intends to continue the relationship above

indefinitely.

The Plan. As an Insured, you, your spouse or Domestic Partner or Unmarried Dependent Children are eligible to

receive reimbursement for amounts paid for Baggage Delay and direct physical loss or damage to Checked and/or

Carry-On Baggage and Insured’s personal Property contained therein. Reimbursement for Checked and/or Carry-On

baggage will be on an Actual Cash Value basis at the time of loss. This coverage applies provided the entire cost of

the Covered Trip is charged to your Card.

Eligibility. This Common Carrier Baggage and Baggage Delay reimbursement is provided to you, your spouse or

Domestic Partner and Unmarried Dependent Children, automatically when the entire cost of the Covered Trip is

charged to your Card. It is not necessary for you to notify Wells Fargo Bank, N.A., the administrator or the Federal

The Cost. This coverage is provided at no additional cost to eligible Insureds under the Master Policy #99073175

issued to American Express Travel Related Services Company, Inc. by Federal Insurance Company (the

“Company”).

Amount of Insurance:

Checked and/or Carry-On Baggage: The Company’s liability will be for a maximum reimbursement of $1,000

per Insured per covered trip, of which no more than $250 may be for jewelry and fur. Payment will be on an Actual

Cash Value basis at the time of loss. Coverage under this plan will be excess over any amount due solely from the

Common Carrier.

dishonest, fraudulent or criminal act of the Insured; (2) forgery by the Insured; (3) loss due to war or confiscation by

authorities; (4) loss due to nuclear reaction or radioactive contamination. Coverage also does not apply to: (1)

sporting equipment, unless checked with the Common Carrier and for which its own claim check has been provided

by the Common Carrier; (2) animals, perishables; cameras and accessory equipment; eye glasses and contact lenses;

purchases not billed to your Card account.

Baggage Delay: Essential items not covered by the Baggage Delay benefit include, but are not limited to: 1. contact

lenses, eyeglasses or hearing aids 2. artificial teeth, dental bridges or prosthetic devices 3. tickets, documents,

money, securities, checks, travelers checks and valuable papers 4. business samples 5. purchases not charged billed

to your Card account.

Length of Coverage: This plan is effective September 16, 2013 and will cease on the date the master policy

terminates (in which case you will be notified by Wells Fargo Bank, N.A.), or on the date you no longer qualify as

an eligible Insured or on the expiration date of any applicable period of coverage for any Insured, or on the date your

Claim Procedure. The Insured must send the Company written notice of a claim, including the Insured’s name and

policy number, within 45 days after a covered loss occurs. If notice cannot be given within that time, it must be

given as soon as reasonably possible. To file a sworn “Proof of Loss” statement, the Insured must send the following

to the Company or its authorized representative: (1) a copy of the Card account statement showing the Common

Carrier fare charged; (2) a copy of the initial claim report submitted to the Common Carrier; (3) proof of submission

of the loss to and the results of any settlement by the Common Carrier; (4) proof of submission of the loss to and the

results of any settlement or denial by the Insured’s personal insurance carrier(s); (5) if no other insurance is

applicable, a notarized statement from the Insured to that effect; and (6) evidence that the personal property has

actually been replaced.

while the Insured is in transit; (2) The maximum amount of insurance is $1,000 per bag, including contents, subject

to a maximum annual aggregate amount of $10,000 for all Insureds per trip per Card account.

As a handy reference guide, please read this document and keep it in a safe place with your other insurance

documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to

eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this