FEATURES & BENEFITS TERMS

MADURO & CURIEL'S BANK (MCB)AADVANTAGEVISA PLATINUM CARDFEATURES AND BENEFITS TERMS

The Maduro & Curiel's Bank (MCB) AAdvantage Visa Platinum card Features and Benefits Terms document provides a detailed description of the following features and benefits that Maduro & Curiel's Bank N.V. has made available to its MCB AAdvantage Platinum cardholders:

• AAdvantage Program• Emergency Services• Priority Pass• Auto Rental Insurance• Travel Assistance Service• Emergency Medical Indemnification Assistance• Personal Concierge Service• Baggage Loss Insurance• Travel Accident Insurance

Optional Features

• MCB's Credit Card Fraud Protection Insurance Program• Verified by Visa

AADVANTAGE PROGRAM

Your MCB AAdvantage Visa Platinum card allows you the opportunity to earn AAdvantage miles for your purchases under the AAdvantage program of American Airlines. Each month, your American Airlines AAdvantage account will be credited with AAdvantage miles equivalent to the US dollar value of purchases posted to your MCB AAdvantage Visa Platinum card monthly statement less the US dollar value of purchases credited to your account on the same monthly statement. If purchases credited exceed purchases posted on your MCB AAdvantage Visa Platinum card monthly statement, no AAdvantage miles will be credited to your AAdvantage account. The excess purchase credits will be subtracted from purchases posted to subsequent statement(s) for the purpose of determining miles to be credited to your AAdvantage account. The MCB AAdvantage Visa Platinum card is for personal use only, therefore the use of the MCB AAdvantage Visa Platinum for commercial use does not entitle the cardholder to accumulate miles.

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American Airlines and AAdvantage are registered trademarks of American Airlines Inc. You agree to be bound by the rules of the AAdvantage program in from time to time and you acknowledge having read these rules, a copy of which is available on request at any of our Branches. American Airlines may find it necessary to change AAdvantage program rules, regulations, travel awards and special offers at any time which may impact rules relating to earning miles, blackout dates and limited seating for travel awards. The Bank or American Airlines reserve the right to end the program with 6 months notice. AAdvantage travel awards, miles and special offers are subject to government regulations.

“Purchase Credit(s)” refer to purchase transactions posted to your account, which are subsequently reversed.

THE BANK MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE ABILITY OF AMERICAN AIRLINES TO HONOR THE AADVANTAGE MILES EARNED WITH YOUR MCB AADVANTAGE VISA PLATINUM CARD, AND IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY LOSSES OR DAMAGES OF ANY NATURE WHATSOEVER RESULTING FROM AMERICAN AIRLINES' FAILURE TO HONOUR YOUR REQUEST WITH RESPECT TO SUCH AADVANTAGE MILES.

EMERGENCY SERVICES

Emergency services are provided to all Visa Platinum cardholders worldwide mainly by the Visa International Service Center (VISC) located in the city of Baltimore, in the U.S. The VISC is connected to 31 Product Replacement Centers all over the world, which help provide fast and effective service. The VISC is available 24 hours a day, 7 days a week, 365 days a year, and offers assistance in multiple languages, including Spanish, Portuguese, and English. As a MCB AAdvantage Visa Platinum cardholder you will be able to call the Platinum Gateway at 1-800-396-9665 or collect at (410)-902-8022, which is a superior Customer Service Center specially devoted to serving Platinum cardholders. The Platinum Gateway offers:

• An answering service for MCB AAdvantage Visa Platinum cardholders

• Gateway to Maduro & Curiel's Bank Customer Service• Live transfer of your phone calls• Database monitoring using a special application developed for Visa

Platinum• Gateway to the Center of Excellence to follow up on individual cases

Emergency Card ReplacementThe Emergency Card Replacement Service allows Visa Platinum cardholders whose card has been lost or stolen to receive a replacement card in case of an emergency. The replacement card is delivered to the

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cardholder as soon as possible, generally within one business day. The replacement card has a standard design indicating the type of product, Visa Platinum in this case. In addition, the card has an embossed account number, which is provided by the Issuer or assigned by the VISC on an emergency basis.

Emergency Cash AdvanceIn the event of an emergency, Visa Platinum cardholders can also request a cash advance and receive it via the same means used to deliver a card, provided the Issuer approves this action. The VISC coordinates the deli- very via the fastest means available, electing between using a messenger service to deliver the cash personally to the cardholder, or directing the cardholder to a Product Replacement Center where he can pick up the card and/or cash.

PRIORITY PASS

Description of ServicePriority Pass is a service available to MCB AAdvantage Visa Platinum cardholders, which provides its members access to VIP lounges in airports worldwide. This program is a partnership between Visa and Priority Pass possessing a network of more than 450 VIP lounges spread over more than 80 countries worldwide. In general, the benefits of this service for Visa Platinum cardholders are:

• Access to more than 450 airport VIP lounges regardless of the choice of airline or class of ticket;

• The opportunity to read the newspaper or watch television;• Access to facilities such as the telephone or fax, and in many partici-

pating lounges, conference and Internet facilities;• Complimentary beverages and, in some lounges, even alcoholic

beverages;• The cardholder can take friends or family members to accompany

him or her in the VIP lounges for a fee.

CostsMCB AAdvantage Visa Platinum cardholders will be charged a reduced fee of $15 per visit to a participating VIP Lounge and $24 per guest that the cardholder brings into the VIP Lounge. Maduro & Curiel's Bank N.V. reserves the right to modify the fees from time and will advise the Visa Platinum cardholders of the change 3 months in advance.

VIP Lounge LocationsBelow are some VIP lounges available through this service. For more detailed information, feel free to pickup a Priority Pass brochure at our BankCard Services department.

• Amsterdam: Schiphol Airport• Miami: International Airport• Willemstad: Hato Airport

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• Barcelona: El Prat Airport• Berlin: Schönefeld Airport, Tegel Airport and Tempelhof Airport• Boston: Logan International Airport• Buenos Aires: M. Pistarini Airport• London: Gatwick and Heathrow Airports• Los Angeles: International Airport• Madrid: Barajas Airport• New York: Newark International, J. F. Kennedy International and La Guardia International Airports• Paris: Charles de Gaulle and Orly Airports• Rome: Leonardo da Vinci (Fiumicino) Airport• San Francisco: International Airport• Sao Paulo: Guarulhos International Airport• Singapore: Changi Airport• Washington: Ronald Reagan National and Dulles International Airports

WORLDWIDE AUTO RENTAL INSURANCE

MCB AAdvantage Visa Platinum cardholders may obtain the Auto Rental Insurance free of charge each time they rent an automobile using their MCB AAdvantage Visa Platinum card. Certain conditions apply.

EligibilityTo be eligible for this free insurance coverage the cardholder must use his MCB AAdvantage Visa Platinum card as a form of payment. All drivers authorized to operate the rental vehicle in accordance with the rental car agreement are covered. The cardholder must use his MCB AAdvantage Visa Platinum card to initiate and complete the auto rental transaction. No person other than the cardholder or other authorized drivers shall have any legal or equitable right, remedy, or claims of insurance proceeds and/or damages under or arising out of this coverage.

The cardholder must decline the Collision Damage Waiver (CDW/LDW) or similar coverage offered by the auto rental company.

CoverageThe MCB AAdvantage Visa Platinum Auto Rental Insurance covers Visa Platinum cardholders up to the actual cash value of the vehicle, the cost of repairs or replacement value of the rental vehicle while said vehicle is in the cardholder's possession. The following specific costs are included in the policy:

• Damage due to collision• Theft of vehicle and related charges• Malicious vandalism charges• Loss of use charges imposed by the auto rental company supported

by evidence

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The specific costs not included in the policy are:

• Any obligation assumed by the cardholder under other agreements• Injury to any person or damage to any object that is inside or outside

the rental vehicle• Loss or theft of personal belongings• Personal Liability• Expenses assumed, waived or paid by the auto rental company or

its insurer• The cost of the insurance coverage purchased through the auto

rental company• The operation and care of the vehicle contrary to the terms of the

auto rental contract• Losses resulting from intentional acts, or losses arising from

admission of guilt, being prosecuted or found guilty by a court of law of being under the influence of drugs or intoxicating substances, or as a result of illegal activities or smuggling

• Gradual wear and tear due to nor mal use or mechanical problems• Losses arising from any type of hostility (including war, invasion,

rebellion or insurrection)• Confiscation by the authorities• Vehicles that do not fit the definition of covered vehicles• Rental contracts in excess of 31 days• Leases and minileases

What happens if the auto rental company insists that the cardholder buy its insurance?The cardholder must ask the auto rental company representative to call the Assistance Center toll free at the number assigned to the country, or collect from any country in the world.

Where and when is coverage effective?This coverage is available 24 hours a day and will remain in effect while the vehicle is in the possession of any of the drivers named in the contract. The coverage will cease as soon as the Vehicle Rental Company receives the rented car. Vehicles rented for rental periods more than 31 days are not covered. This insurance is effective when the MCB AAdvantage Visa Platinum cardholder rents a car anywhere in the world.

What type of insurance coverage is provided?This coverage is valid for rentals transacted anywhere in the world and is "primary" coverage, except in the country of residence of the cardholder, where coverage shall be "secondary".

Which vehicles are covered?Most cars are covered, including some luxury cars such as BMW and Mercedes Benz. Some minivans designed to transport a maximum of eight passengers and used exclusively to transport passengers, such as

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the Dodge Caravan, Plymouth Voyager and Chevrolet Lumina, are also covered. Jeeps (4 x 4) are covered, provided they are not driven outside the road. Some examples of the latter are Jeep Renegade and Suzuki Samurai.

If the cardholder has any question regarding a specific vehicle, he should call the Assistance Center.

Rental cars not coveredRental cars that are not covered include expensive and exotic cars such as Aston-Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche and Rolls-Royce; very old automobiles (over 20 years old, which were not manufactured in the last 10 years); trucks, motorcycles, mopeds, motor bikes, limousines and recreational vehicles.

What should the cardholder do in the event of accident or theft?If a Visa Platinum cardholder is involved in an accident or the rental vehicle is stolen, he should call the Platinum Gateway (which will transfer the call to the Visa Rental Car Program Administrator) immediately at 1-800-396-9665 or collect at (410)-902-8022. A representative will answer any questions the cardholder or the auto rental company representative may have, and will send the cardholder a Claim Form.

The auto rental company might require the cardholder to pay for damages with his Visa Platinum card. If this happens, the insurance company will reimburse the cardholder directly for the amount after the claim is processed.

The cardholder is required to notify the Visa Auto Rental Program Administrator (by calling the Platinum Gateway, which will transfer the call) within a period of 60 days after the accident or theft occurs. Not doing so might result in denial of the claim.

What does the cardholder need from the auto rental company in order to submit a claim?As soon as the accident occurs or the cardholder returns the rental vehicle, he must request the following from the auto rental company:

• A copy of the Accident Report and a Claim Form indicating the costs for which the cardholder is liable

• A copy of the initial and final auto rental agreement (front and back)• A copy of the repair estimate and final repair invoice• If available, two photographs of the vehicle showing damages• For claims including "loss of use" charges by the auto rental company,

a copy of the Daily Utilization Record for the loss period, if available• A copy of the Police Report (if any)

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How is the claim submitted?The cardholder should notify the incident to the Visa Rental Car Program Administrator (by calling the Platinum Gateway, which will transfer the call) no later than 60 days following the accident or theft.

The cardholder must fill out and sign the Claim Form he receives and submit it accompanied by:

• A copy of the sales receipt showing that the full auto rental was charged and paid with the cardholder's MCB AAdvantage Visa Platinum Card.

• All documentation the cardholder receives from the auto rental company within a period not to exceed 90 days from the date of theft or damages, to:

Claims AdministratorVisa Auto Rental InsurancePO Box 72047Richmond,VA 23255

After the cardholder reports the damage or loss, the claim will remain open during a period of 12 months following the date of loss. During that period, the cardholder must support the claim as required. No payment will be made until the Visa Auto Rental Insurance Program Administrator has received all necessary documentation at its offices.

What else should the cardholder do?Normally, nothing else. In normal circumstances, the claim will be paid within a period of 15 days from the date the Claims Administrator receives all required documentation. However, as soon as the claim is paid, all rights against any person in connection with the damage or theft will be transferred to the Insurance Provider.

This means that the Insurance Provider will have the right to file suit on its own in the cardholder's name. The cardholder will assist the Insurance Provider in any way, as reasonably requested by Insurance Provider, in order to help the Insurance Provider enforce any rights or recourse the Insurance Provider may have, including the execution of all documents required by the Insurance Provider to file suit in the cardholder's name.

General Program ProvisionsThe cardholder will do his best to avoid or reduce any losses or dama- ges to the property insured under this program. Please keep in mind that the Insurance Provider will not apply this provision unreasonably to avoid a claim. If the cardholder makes any claim knowing it to be false or fraudulent in any respect, he will no longer be entitled to the benefits of this protection, nor to the payment of any claim made under this policy. This insurance is subject to the terms and conditions described and includes certain restrictions, limitations and exclusions. In the event of any discrepancy between the policy and the description of the

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program, the policy will govern. This policy is filed at the offices of Visa International, Latin America and Caribbean Region.

If a cardholder needs to submit a claim or has any question regarding this program, the cardholder should call the Platinum Gateway (which will transfer the call to the Visa Auto Rental Insurance Program Administrator) at 1-800-396-9665 or collect at (410) 902-8022. The Platinum Gateway operates 24 hours a day, 365 days a year.

We are empowered to cancel or decline renewal of any MCB AAdvantage Visa Platinum cardholder's insurance coverage. If we do so, we will give cardholders at least 60 days advance notice. If the Insurance Company does not renew or cancels any coverage provided to Visa cardholders, cardholders will be notified at least 60 to 120 days prior to the date the policy expires. In the event a substantially similar coverage becomes effective without interruption, said notice will not be required. The Auto Rental Insurance will continue to apply to rentals that were effective prior to the date of cancellation or non-renewal, provided all other terms and conditions of coverage are met.

TRAVEL ASSISTANCE SERVICES

The Visa Travel Assistance Service Provider will make a wide range of services available to MCB AAdvantage Visa Platinum cardholders who are over 100 miles from their home (except in the case of pre-trip assistance, in which case the Administrator will waive the 100 miles- from-home requirement) 24 hours a day, 7 days a week, 365 days a year.

Cardholders may access Travel Assistance Services through their Bank or by calling the Platinum Gateway (who will transfer the call) at 1-800-396-9665 or collect at (410) 902-8022. The Platinum Gateway is responsible for routing calls, answer general questions related to the Assistance Program and transfer calls to the Travel Assistance Services Provider so that cardholders can receive the assistance they need.

The cardholder, his or her spouse, and dependent children under 21 years of age are eligible for these services.

Travel Assistance Services Pre-Trip Assistance

The Travel Assistance Service Provider (referred to as "the Center" throughout this section) will provide cardholders with assistance with respect to destinations prior to traveling, as well as information on ATM locations, exchange rates, passport and visa requirements, health precautions and immunizations (vaccinations) required. The Center provides assistance to cardholders to enable them to make the necessary arrangements in advance if they have special medical needs.

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Travel Assistance Services Assistance While Traveling

Medical Assistance ServiceIf the cardholder or a family member becomes ill or is injured during the course of the trip, the Center will be prepared to:

• Provide cardholders with infor mation and names of local doctors, dentists and hospitals where their language is spoken.

• Assign a doctor who will consult via telephone with the local attending physician, and, if necessary, will monitor the cardholder's condition. In addition, the doctor will be in communication with the cardholder's family and will act as a permanent liaison to ensure cardholder satisfaction.

• Provide the cardholder with assistance to make arrangements to pay for medical services using available credit or another type of insurance.

• Stay in communication with cardholders and make the necessary arrangements to facilitate communication with friends, acquain-tances or colleagues, as needed.

Emergency Legal AssistanceThe Center has the resources to assist cardholders in contacting an attorney, as well as the embassies and consulates of their respective countries, in the event the cardholder is detained by local authorities, involved in an automobile accident, or needs legal assistance. The Center will stay in communication with cardholders and will make all necessary arrangements to contact friends, acquaintances or colleagues, as required. In addition, the Center can coordinate the posting of a bond by means of a funds transfer from the cardholder's Visa or personal accounts.

Emergency Ticket ReplacementIn the event the cardholder loses his tickets, the Center can assist in the process to replace and deliver new tickets to the cardholder, and will assist with the process to request reimbursement for lost tickets.

Emergency Message ServiceThe Center has a telephone service that operates 24 hours a day to hold and transmit emergency messages to travelers, immediate family or colleagues. The message must be stored indefinitely and may be picked up within a reasonable period of time.

Lost Baggage AssistanceIn the event the airline loses the cardholder's checked in luggage, the Center will make the necessary arrangements to send replacement items and a cash advance immediately, and assist cardholder in the process to submit the appropriate insurance claim to the airline, if required. All costs incurred will be covered in accordance with the Baggage Loss Insurance terms.

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Emergency Transportation AssistanceIf required due to a medical emergency, the Center will assist the cardholder with all arrangements for emergency transportation to his home or to the nearest medical facility. All costs incurred will be covered in accordance with the Emergency Medical Indemnification Assistance terms. This service includes sending the cardholder's children home and staying in communication with family members or the cardholder's employer. In the event of death, the Center will make the necessary arrangements with the cardholder's family or friends to repatriate remains.

Prescription Assistance and Delivery of Valuable DocumentsThe Center will assist the cardholder to help him obtain prescribed medications at local or nearby pharmacies. The cardholder will be responsible for the cost of all medications. The Center will also send any valuable documents the cardholder may have left behind. All costs incurred will be covered in accordance with the Emergency Medical Indemnification Assistance terms.

NOTE: Visa offers Travel Assistance Services to cardholders free of charge as part of the benefit program provided by the MCB Visa AAdvantage Platinum card. Travel Assistance Services provide only assistance and recommendations. The cardholder is responsible for any medical, legal or transportation costs, cash advances and other services or items supplied that are not covered by the Baggage Loss Insurance and Emergency Medical Indemnification Assistance terms.

Due to certain rare problems, including distance, location or hours, Visa, its Service Providers and Contractors are not responsible for availability, use, costs or results of any medical, legal or transportation services provided.

EMERGENCY MEDICAL INDEMNIFICATION ASSISTANCE

What is covered?As a MCB AAdvantage Visa Platinum Cardholder, you, your spouse and dependent children under 23 years of age, will each be covered automatically up to a maximum of US$15,000 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) in the event of Serious Injury or Sickness which occurs during the course of a Covered Journey outside of your country of residence. A journey is considered covered if the full travel fare has been purchased with a valid and active MCB AAdvantage Visa Platinum 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.

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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 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 center 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 pay up to the maximum benefit amount to cover the purchase of an economy ticket. VISA Assistance center 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 Journey is interrupted due to: Unexpected Death, Serious Injury or Sickness of the Beneficiary, Beneficiary’s Traveling 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 hospitalized 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).

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What do I need to be eligible?You must possess a valid and active MCB AAdvantage Visa Platinum 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 Platinum Gateway (who will forward the call to the Visa Assistance Center) within thirty (30) days at1-800-396-9665 or collect at (410) 902-8022 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 Center 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 Center, 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 Center, 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 Center, 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 Center. See how to file a claim.

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.• Hospital Confinement and use of operating room.• 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;

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(d) provide 24-hour nursing service and have at least one registered 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 center.

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. Pre-existing condition for a Sickness means a condition occurring during the hundred and eighty (180) 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 hundred and eighty (180) 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?• Any chronic illness or medical pre-existing conditions, or its

consequences or related consequences, and/or any relapses or periods of convalescence.

• Any disease or illness resulting from travel during a period of time when a treating doctor has advised the patient not to travel, or occurring during the overseas treatment of a pre-existing illness.

• Treatment, complications, or side effects resulting from the ingestion of drugs for mental or nervous conditions. Treatment of mental illness or nervous disorders. Consultation and treatment ordered by a psychiatric doctor. Illness, injuries and expenses resulting from the use of narcotics, drugs, or non-prescription medication. Treatment for alcoholism or drug addiction, and any complication arising from

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these conditions, including but not limited to alcoholism and drug addiction treatment services or programs.

• Any complication due to pregnancy, childbirth, or abortion, including those occurring during the first trimester of pregnancy.

• Treatment of any self-inflicted-illness or injury such as: suicide or attempted suicide, and any consequences thereof, while sane or insane.

• Being under the influence of drugs or intoxicants, unless prescribed by a licensed physician.

• Treatment of and/or complications due to Human Immune Deficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS) and AIDS Related Complex (ARC). Treatment of sexually transmitted diseases.

• Chiropractic treatment; homeopathic treatment; acupuncture; occupational therapy; physical therapy.

• Any treatment or service provided by rehabilitative treatment institutions or centers, geriatric care institutions or centers, and institutions which are not hospitals, including but not limited to thermal baths, spas, and hydro-therapy clinics.

• Any dental or orthodontic treatment which is not related to an accidental injury.

• Examinations or diagnostic tests which are part of a routine physical exam; scheduled treatment, including but not limited to: vaccinations, routine eye and ear exams, optometry and correction of vision, eyeglasses, contact lenses, hearing aids, or any maintenance or adjustment of these, dentures, the purchase or rental of humidifiers, atomizers, walkers or canes, inhalers, exercise equipment or similar equipment.

• Plastic and cosmetic surgery except for re-constructive surgery resulting from a covered accident or illness.

• Organ transplants or the transportation thereof.• Foot treatments, including but not limited to corns, calluses, flat

feet, weak arches, congenital deformations, and any type of shoe insert.

• Treatment of sexual dysfunction or insufficiencies. Services or provisions related to male or female sterilization. Services or provisions related to birth control.

• Any treatment that is not related to an accident or a sudden and acute medical emergency which occurred while the Beneficiary was traveling.

• Any service or provision received which is related to weight control or the treatment of obesity, whether in the form of diet, liquid injection, medication, or surgery of any kind.

• Treatment of any illness, accidental injury, or expenses resulting, directly or indirectly, from the Beneficiary involvement in wars, revolutions, civil upheavals, conspiracies, riots, public disturbances, or any illegal or criminal activity by the Beneficiary as a principal, accessory, or in any other role, including but not limited to physical fights initiated by the Beneficiary.

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• Other hotel, restaurant, or taxi expenses.• Any treatment and/or medical expenses incurred after the

termination of the Beneficiary’s Covered Trip, regardless of any relation they have to accidental injuries or illness which manifested themselves or were diagnosed while the Beneficiary was traveling.

• Work related illness or its consequences.• Any treatment or service which is not specifically stated as a benefit

under this program.• Circumstances resulting from or in any way related to force majeure,

such as strikes, acts of sabotage, civil or international wars, revolts, terrorism, etc.

• Medical record fees are excluded.• Cremation and funeral costs are excluded.• Travel undertaken for the specific purpose of securing medical

treatment.• Treatment of accidental injuries or illness resulting from the practice

of a professional sport, or any sport which could be life-threatening to the covered person, whether it be due to irresponsibility, lack of knowledge, or lack of experience on the part of the covered person, including but not limited to: hang-gliding, skydiving, parasailing, whitewater rafting, driving unlicensed off-road vehicles, mountain climbing, equestrian sports, winter sports if not practiced within resorts and under normal security conditions, auto racing and motorcycle racing and any other type of racing other than on foot, and underwater activities.

This program 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 Center 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 Center 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 Center’s pre- approval and/or the Visa Assistance Center must make the actual medical transportation arrangements.

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Do I need pre-approval in the case of Repatriation of Remains?Yes, It is required that the VISA Assistance Center make all repatriation arrangements.

Do I need pre-approval for Early Return?Yes, before using the Early Return benefit you must obtain Visa Assistance Center’s pre-approval and the Visa Assistance Center must make the actual transportation arrangements.

What conditions are necessary for Emergency Evacuation Coverage?• 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 participating in the Schengen treaty?You must call the Platinum Gateway (who will forward the call to the Visa Assistance Center) at 1-800-396-9665 or collect at (410) 902-8022 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 Platinum Gateway (who will forward the call to the Visa Assistance Center) at 1-800-396-9665 or collect at (410) 902-8022 within 30 days following the date of the occurrence of Serious Injury or onset of the Sickness on your Covered Journey. 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 MCB AAdvantage Visa Platinum 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.

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• 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 Program 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 MCB AAdvantage Visa Platinum 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 program, call the Platinum Gateway, 24 hours a day, 365 days a year, toll free at1-800-396-9665 or collect at (410) 902-8022.

PERSONAL CONCIERGE SERVICE

Maduro & Curiel's Bank N.V. makes, the Personal Concierge Service, a service specially designed to provide all kinds of information and assistance, available to all MCB AAdvantage Visa Platinum cardholders. The Personal Concierge is available 24 hours a day, 7 days a week, 365 days a year at 1-800-396-9665 or collect at (410) 902-8022, to help you provide cardholders with timely solutions in countless situations that may arise during their stay abroad, such as sending gifts, booking tickets or tours, rent vehicles or make reservations at the best restaurants, among other things.

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Travel Information• Coordination of itineraries and tours• Visa, passport, entry permit, vaccines and documentation

requirements• Weather reports• Currency exchange• Maps• Information on the destination country and its main cities• Information on customs at destinations

Travel Assistance• Flight reservations and confirmation• Hotel reservations• Reservations and arrangements to rent vehicles, including luxury

automobiles• Arrangements to purchase and send gifts• Transmission of urgent messages• Translation services• Referrals to attorneys and bond agencies

Reservations• Information on hours and tickets for the opera, ballet, theater,

concerts, museums and other cultural activities and events• Information and reservations for special engagements and shows• Information on sports events• Restaurant information and dining reservations• Night life information and reservations

Entertainment Information• Tours and visits to attractions• Recommendations and tennis, racquetball and golf course

reservations and hours• Recommendations and reservations at spas, gyms and sports clubs• Information on special sports you can practice in the area

Gifts and Shopping• Sending flower arrangements, balloons, baskets and gift packages• Gift suggestions and ideas• Location of hard to find items*• Information on best shopping locations

* The Program Administrator will make his best effort to satisfy cardholder requests. However,

the Administrator reserves the right to decline the rendering of requested services if these

services are unreasonable or inappropriate, or considered unethical, immoral or illegal.

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Business Executive Services• Conference room and convention and executive center

recommendations• Interpreters and translators• Transmission of urgent messages• Sending documents• Equipment rentals (computers, cellular phones, etc.)• Etiquette and protocol• Recommendations to obtain support services• Recommendations to obtain legal advice

BAGGAGE LOSS INSURANCE

As a MCB AAdvantage Visa Platinum cardholder, you, your spouse and your dependent children under 23 years of age will each be insured automatically for amounts up to US$1,000, for any baggage, that is lost due to theft or misdirection while in the care, custody and control of a Common Carrier, licensed for transport of passengers for hire. The Insured must be a ticketed passenger on the Common Carrier and the full travel fare must be charged to your MCB AAdvantage Visa Platinum card. All Claims need to be verified by the Common Carrier.

What is a Common Carrier?A Common Carrier is any land, water or air conveyance operated under a valid license for the transportation of passengers for hire.

What do I need to be eligible?You must have a valid and active MCB AAdvantage Visa Platinum card and use it to purchase the entire travel fare(s). The trip must be on or after the date of ticket purchase.

What is the maximum amount I will be reimbursed?The maximum Benefit you will be reimbursed is up to US$1000, in excess of the amount paid or payable by (a) the Common Carrier responsible for the loss and (b) all other valid and collectible insurance in place.

How is the value of the amount claimed determined? The Company may elect to: 1) the replacement cost; or 2) in the case of a pair or set, (a) repair or replace any part, to restore the pair or set to its value before the loss or (b) pay the difference between the cash value of the property before and after loss.

If you are reimbursed by the Common Carrier, will the coverage still be valid?Yes. Valid claims for baggage and personal effects in excess of the Common Carrier reimbursement will be covered up to a maximum of US$1000.

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What if I have other valid and collectible insurance? Benefits for baggage and personal effects will be in excess of all other valid and collectible insurance. If at the time of the occurrence of any loss there is other valid and collectible insurance in place, you will be reimbursed only for the excess of the amount of loss, over the amount of such other insurance and any applicable deductible.

What items are not covered?Benefits will not be provided for any loss of animals, birds, or fish; automobiles or automobile equipment, boats, motors trailers, motor-cycles, or other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eyeglasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; perishables and consumable, jewelry, watches, articles consisting in whole or in part of silver, gold or Platinum, furs, articles trimmed with or made mostly of fur, cameras (including related camera equipment), computers and electronic equipment.

What conditions are excluded as valid reasons for coverage? Benefits will not be provided for any loss resulting (in whole or in part) from: Wear and tear or gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government or public authority; seizure or destruction under quarantine or custom regulation; radioactive contamination; usurped power or action taken by governmental authority in hindering combating or defending against such an occurrence; transporting contraband or illegal trade; mysterious disappearance; or breakage of brittle or fragile articles including radios, audio equipment and similar property.

What do I do if the Common Carrier loses my luggage while it is in their care, control and custody?You must contact the Common Carrier first and file a claim with them. As a MCB AAdvantage Visa Platinum cardholder, you will be reimbursed up to a maximum of US$1000, in excess of any other valid and collectible insurance or Common Carrier reimbursement paid or payable, for the cost of replacement of the baggage and contents, provided the Common Carrier verifies the loss. Once the Common Carrier determines the baggage lost, the claim you filed with them has been finalized, and the amount of the loss exceeds the Common Carrier's reimbursement and any other valid and collectible insurance; you must contact the Platinum Gateway, within 30 days of the loss.

How do I file a Claim?You must call the Platinum Gateway (who will transfer the call to the Claims Administrator) at 1-800-396-9665 or collect at (410) 902-8022. The representative will answer any questions you may have and will send you a Claim Form. Once you submit the Common Carrier's Claim Forms and Claim determination documents along with any other information

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required to support a claim, the insurance company will reimburse you directly, once the claim has been finalized.

You must notify the Claims Administrator within 30 days following the date of loss or damage. Not doing so could result in the denial of your claim.

Once you receive the Claim Form, complete it and mail the following documentation:

• A copy of both your customer statement and Common Carrier Ticket, as proof that the entire travel fare was purchased with your valid MCB AAdvantage Visa Platinum Card.

• Common Carrier Claim Settlement Documentation and any other information necessary to support a claim.

The above must be mailed within 90 days following the date of the loss or damage to: Claims Administrator Visa Common Carrier Baggage Loss Insurance P.O. Box 72047 Richmond, VA 23255

If claims are paid by the Company it is entitled to recover what was paid from other responsible parties or persons. Any party or person to or for whom the Company makes payment must transfer to us his or her rights of recovery against any other part or person for the portion of the claim paid by the Company. This party or person must do everything necessary to secure these rights and must do nothing that would jeopardize them.

Please keep in mind the General Program ProvisionsIf you make any claim knowing it to be false or fraudulent in any respect, you will no longer be entitled to the benefits of this protection, nor to the payment of any claim made under this policy.

All coverage described herein is subject to change or cancellation without notice. This insurance is effective the later of January 1, 2001, the date your bank elected this coverage, or the date of issuance of your card and will cease on that date the policy is terminated.

This description of coverage is not a contract of insurance and is intended to be a general informative statement of the coverage made available by Visa International throughout Latin America and Caribbean Region. In some instances, according to the provisions of the locally admitted policy issued in the jurisdiction where your 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.

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Complete provisions pertaining to this plan of insurance are contained in the policy on file with Visa International, Latin America and Caribbean Region, Miami, Florida. If a statement in the description of coverage and any provision in the policy differ, the locally admitted policy issued in the jurisdiction where your Visa International card has been issued will govern.

AIG member companies provide security in the form of reinsurance for any non-member company listed.If you need to submit a claim or have questions regarding this program, call the Platinum Gateway, 24 hours a day, 365 days a year, toll free at1-800-396-9665 or collect at (410) 902-8022.

TRAVEL ACCIDENT INSURANCE

MCB AAdvantage Visa Platinum cardholders, their spouse and depen- dent children under 23 years of age will be insured automatically against accidental bodily injuries that are the sole cause of death** or dismemberment arising from an accident that occurs while traveling, boarding or disembarking from an aircraft registered with the OAG (Official Airline Guide), land or water conveyance operated by a common commercial carrier duly authorized to transport passengers, provided the total cost of the ticket was paid with the cardholder's Visa card. The Travel Accident Insurance coverage is effective worldwide.

The cardholder is also covered when using a common means of transportation such as a bus authorized to transport passengers, from the Common Carrier's vehicle when the cost of this service is included in the price of the ticket, or when the airport provides such means of transportation within its perimeter.

This insurance coverage is provided to MCB AAdvantage Visa Platinum cardholders at no additional cost. It is recommended that the cardholder, the spouse or next of kin contact the Platinum Gateway at 1-800-396-9665 or collect at (410)-902-8022 as soon as possible after occurrence of the injuries that are the sole cause of death** or dismemberment arising from an accident that occurs while traveling, boarding or disembarking from an aircraft registered with the OAG (Official Airline Guide), land or water conveyance operated by a common commercial carrier duly authorized to transport passengers, provided the total cost of the ticket was paid with the cardholder's Visa card.

** In the event of multiple accidental deaths related to the same Visa account arising from any

one accident, the insurance company's liability for all such losses will be subject to a maximum

limit of insurance equal to twice the applicable benefit amount for loss of life. Benefits will be

paid to the beneficiary on a pro-rata basis up to the maximum limit of insurance.

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Injuries resulting in loss of life or mutilation, including the loss of sight, speech and hearing, benefits will be paid as follows:

• Accidental loss of life: US$500,000• Loss of both hands or both feet, or sight of both eyes, or speech and

hearing, or one hand and one foot, or either one hand or one foot and the sight of one eye: US$500,000

• Accidental loss of hand or foot, or sight of one eye, or speech or hearing: US$250,000

• Accidental loss of thumb and index finger: US$125,000

If the Insured has multiple losses as the result of one accident, the insurance company will pay the single largest benefit amount applicable. The death benefit will be paid to the surviving beneficiary as indicated in the policy.

This insurance does not cover losses arising from 1) the cardholder's emotional trauma, mental or physical illness, pregnancy, childbirth or abortion, bacterial or viral infection (except a bacterial infection caused by the accident or by accidental ingestion of a substance contaminated by bacteria, or any physiological dysfunction; 2) suicide, suicide attempt or self inflicted injuries; 3) war, declared or undeclared. War does not include terrorist acts; 4) injuries sustained while the insured is a passenger in a taxi or while boarding or descending from a taxi.

The Cardholder will be given prior notice in case the coverage described herein is changed or cancelled. This insurance is effective on 1 July 1997 and will cease on date of termination of the Master Policy Number PA009-00155.

Complete provisions pertaining to this plan of insurance are contained in the policy on file with Visa International, Latin America and Caribbean Region, Miami, Florida. If a statement in this description of coverage and any provision in the policy differ, the policy will govern. The plan is underwritten by New Hampshire Insurance Company, a member company of American International Group, 70 Pine Street, New York, NY 10005.

EXCLUSIVE VISA PLATINUM OFFERS

The Platinum Club encompasses a wide selection of special offers and opportunities that have been developed exclusively for Visa Platinum cardholders. This exclusive array of rewards and privileges gives Visa Platinum cardholders the key to a world of luxury that is constantly evolving.

For more information, Visa Platinum cardholders should visit the exclusive Visa Platinum website at www.visa-platinum.com.

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MCB'S CREDIT CARD FRAUDPROTECTION INSURANCE PROGRAM

MCB's Credit Card Fraud Protection Insurance Program will cover you locally and abroad against fraudulent use up to $10,000 annually for the critical loss period of the first 24 hours prior to you missing the card and having reported it to the banks as lost/stolen. If you report the loss or theft before the card is fraudulently used, you will not be responsible for any fraudulent charges after the notification. The faster you report your card as lost or stolen, the more protection you have that you will not be charged for the transactions not made by you. Once reported we will replace your lost/stolen card(s) with a new one(s) for free.

You will automatically be covered for the period of one year starting on the day of activation of the program, through a payment of US$36.00, which will be charged to your MCB AAdvantage Visa Platinum card account on an annual basis.You will be able to obtain the detailed MCB Credit Card Fraud Protection Insurance Program Agreement for the MCB AAdvantage Visa Platinum card at our BankCard Services department.

VERIFIED BY VISA

If fraud is committed on the Internet by the use of your card number without you having lost your card, then you as the cardholder must dispute the charges (through our Bank as the issuer of the card) and if proven right you may not be responsible for the charges. Furthermore, Visa has devised fraud-protection systems for cardholders buying products and services from merchants, which are affiliated with to their Verified by Visa system. To protect you against fraudulent use of your card number at these specific Internet merchants, we offer you, at no extra cost the possibility for you to register your MCB AAdvantage Visa Platinum card for Verified by Visa through our web site www.mcb-bank.com. Please note that by Visa regulation, if you choose not to register for the Verified by Visa fraud protection service (at no cost to you), you may be fully liable at merchants affiliated with Verified by Visa in case of fraud with your credit card number.

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™Trademarks of Maduro & Curiel's Bank N.V.Trademarks used under license and control of

Maduro & Curiel's Bank N.V.®American Airlines and AAdvantage are registered

trademarks of American Airlines, Inc.*Visa Int./Lic. User Maduro & Curiel's Bank N.V.