COVERAGE IS NOT AVAILABLE IN: MN & MS. LIFE COVERAGE: If you or your joint cardmember die (joint cardmember must be spouse or business partner in GA, MD, NM & TX; if no joint cardmember, then spouse), Chargegard 2000 will pay to the Creditor the outstanding account balance as of the date of death, up to the master policy maximum of $10,000. Only single Life coverage in CA & ME. Suicide is excluded except in MD, ME & MO. Life coverage is replaced with Accidental Death coverage at age 65 in HI; 66 in IA, IN, VT & WY. In CA, we won't pay a claim on an advance if you commit suicide within six months of that advance.

DISABILITY/UNEMPLOYMENT COVERAGE (applies only to you, the primary cardmember): If you become totally disabled or involuntarily unemployed, Chargegard 2000 will pay to the Creditor your scheduled minimum monthly payment due on your account as of the date of loss, until your balance is paid off, you return to work, or you reach the master policy maximum of $10,000, whichever occurs first. You are eligible for these coverages if employed 30 hours or more a week or as otherwise required by state law, (in PA, employed at least 9 months of the year) in a non- seasonal occupation (seasonal restriction does not apply to disability in AK, AL, AZ, CA, CO, MD, ME, MI, MO, MT, NJ, NM, NY, OR, PA, RI, SC, TX, VA & WI; to unemployment in AK, AL, CO, MD, ME, MI, MO, MT, NC, NJ, NM, NY, PA, SC & WI). Benefits begin after 30 consecutive days of unemployment or disability and are retroactive to the first day of loss. Disability coverage is not retroactive in MA. Unemployment benefits are limited to 12 months in PA. Disability benefits not payable for normal pregnancy/childbirth in CA; flight in non-scheduled aircraft in MA, NC & PA; military service in NC; pregnancy in NC, PA & VA; self inflicted injury in CA, MA, NC, NY, PA & VA; suicide in CT; sickness from intoxication in NC; foreign travel/residence in MA; war in MA & NC. Unemployment excludes discharge for cause in CT & MA; willful or criminal misconduct in CT, MA, NY & TX; disability in CT, MA, NY, TX & WI; voluntary forfeiture of salary, wages or employment income in CT, MA, NY & TX; incarceration in ME; labor disputes in AR & IL; lockouts in IL & NY; strikes in AR, IL & NY; notification of pending unemployment in CT, MA & TX; pregnancy in ME; voluntary resignation in NY; self employment in CT, MA, ME & TX; severance pay in ME; voluntary discharge from military in NY; illegal walkout in NY.

LEAVE OF ABSENCE: (applies only to you, the primary cardmember): Chargegard 2000 will pay to the Creditor your scheduled minimum monthly payment based on the outstanding balance as of the date of leave, for up to six months, if you take a temporary, employer approved unpaid leave of absence from work due t accident or illness of an immediate family member; childbirth/adoption (except in NJ); recall to active military service; or residing in a federally-declared disaster area. Benefits begin after 30 consecutive days of leave of absence and are paid retroactive to the first day of leave. You are eligible for this coverage if employed full-time by someone other than yourself, in a non-seasonal occupation. Benefit payments do not apply to leave during the first 90 days of coverage (except in KS and NJ). Leave of Absence coverage is not available In AK,ID, IN, LA, MO, NC, NE, NH, NM, NY, OR, SC, TX, VA & VT.

GENERAL PROVISIONS: Maximum enrollment age is 69, except: 64 in CA, HI, NJ, RI, WA & WI; 65 in CT, IA, IN, MA, ME, NY, OR, PA, VT & WY; 70 in FL, MI, MO & OK; 71 in NM; coverage terminates at age 65 in CA, NJ, RI, WA & WI; 66 in CT, MA, ME, NY, OR & PA.  In TX, no maximum age applies.  The monthly premium charged to your credit card account will be 82¢: per $100 of your outstanding balance, except: 59.7¢ in AK; 87¢ in AL; 81.8¢ in AZ; 68.6¢ in CA; 40¢ in CO; 64.1¢ in CT; 79.8¢ in GA; 73.5¢ in HI; 73.7¢ in IA; 71.2¢ in ID; 59.9¢ in IN; 66¢ in LA; 64.9¢ in MA; 33.8¢ in MD; 72¢ in ME; 79.7¢ in MI; 60¢ in MO; 64.6¢ in NC; 80.8¢ in ND; 67¢ in NE; 46.9¢ in NH; 74¢ in NJ; 60.9¢ in NM; 28.8¢ in NY; 81.9¢ in OH; 59.5¢ in OR; 65.8¢ in PA; 75¢ in RI; 67.4¢ in SC; 38.6¢ in TX; 78.6¢ in UT; 29.1¢ in VA; 43.9¢ in VT; 76¢ in WA; 69.1¢ in WI; 77.5¢ in WY.  The cost of credit insurance will be financed at the rate specified in your credit card agreement.