Visa Infinite

Travel Assistance Services

Emergency Services

Visa Conierge

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Table of Contents

Section A. Introduction

A.1. About this Guide ............................................................................................................ 03

A.2. Visa Infinite .................................................................................................................... 03

A.3. Definitions of the Benefits Described in this Guide ....................................................... 04

A.4. General Provisions of the Program ................................................................................ 05

Section B. Other Benefits

B.1. Travel Assistance Services ........................................................................................... 06

B.2. Emergency Services ...................................................................................................... 07

B.3. Visa Concierge ............................................................................................................... 08

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Section A. Introduction

A.1 About this Guide

This document is intended to be used as a guide for quick reference on the Travel Assistance

Services, Emergency Services and Visa Concierge benefits offered to the Visa Infinite

Cardholders and their beneficiaries, as defined below.

The benefits referred to in Section B hereof, namely, Travel Assistance, Emergency Services

and Visa Concierge are offered to the Visa Infinite cardholders and their beneficiaries by

AXA Assistance USA, Inc. (“AXA”). The benefits offered in Section B have worldwide

coverage and those benefits stem from a relationship of services rendered which exists

between Visa and AXA. Visa is merely taker of the services of AXA and acts before it on

behalf of the beneficiaries, with no obligation to making any payments in their favor.

Enjoy reading and refer to this guide whenever you have any doubts about the Travel

Assistance Services, Emergency Services and Visa Concierge benefits offered by your Visa

Infinite Card. Below you will find some information about this product.

If you want information about other

benefits provided by Visa Infinite Card,

visit the page www.visa.com.br/visainfinite.

A.2. Visa Infinite Visa Infinite is Visa’s most complete and

exclusive card, developed for special customers. It is intended for affluent consumers who

are frequently travelling abroad and require the full availability of services, insurance and

credit.

Visa Infinite offers the inclusion of all the benefits Visa offers.

The Visa Infinite Card is accepted in more than 30 million merchants, in 150 countries and

territories, and can be used to withdraw cash in local currency in more than one million

ATMs.

For more information on the benefits provided by your Visa Infinite Card, please access

www.visa.com.br/visainfinite, or contact by phone the following numbers through toll free:

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0800-891-3679 (Brazil), 1-800-396-9665 (USA and Canada)1, or collect calls: 1-303-967-

1098 (other countries)1e2

. 1 For calls made by mobile phone, all roaming charges are user responsibility.

2 Collect call through an international operator.

A.3. Definitions of the Benefits described in this Guide*

(* = specific restrictions may apply. Please refer to the specific section of the benefit in

question)

BENEFICIARIES: The Visa Infinite CARDHOLDER, his/her spouse and children

considered ECONOMICALLY DEPENDENT, minor of 23 years of age, under - the benefits

provided for in Section B, subject to the provisions of applicable laws.

CUSTOMER SERVICE: Communication channel and available facilities (equipment,

systems and staff) which purpose is to make the interface between Visa and customers. It can

be accessed through the following telephone

numbers: 0800-891-3679 (Brazil), 1-800-396-9665

(USA and Canada)1, or collect calls: 1-303-967-1098

(other countries)1e2

. 1 For calls made by mobile phone, all roaming

charges are user responsibility. 2

Collect call through an international operator.

SPOUSE: person related to the CARDHOLDER by

marriage or common-law marriage (união estável),

under the applicable laws in force.

ECONOMIC DEPENDENTS: CARDHOLDER’s

single children and under 23 years old who

cumulatively: (a) reside with the CARDHOLDER or

are under his/her responsibility; and (b) are

financially supported by the CARDHOLDER. This definition includes the CARDHOLDER’s

stepchildren.

CLAIM FORM: document to be supplied by CUSTOMER SERVICE, upon notification of

an incident or request for benefit, which must be filled out and returned together with the

required documents within the deadlines for each of the benefits presented.

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CARDHOLDER: individual who holds an active and valid Visa Infinite Card, issued in its

name in Brazil, as holder or additional holder.

THE TRAVEL ASSISTANCE BENEFIT UNDER SECTION B IS ONLY APPLICABLE

TO ELIGIBLE TRIPS (AS DEFINED UNDER SECTION B) WHICH ARE OUTSIDE THE

BENEFICIARY'S COUNTRY OF RESIDENCE AND THE COUNTRY OF CARD

ISSUANCE.

A.4. GENERAL PROVISIONS OF THE PROGRAM

HOW DO I SUBMIT A REQUEST?

The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER’s

representative, as applicable, should contact the CUSTOMER SERVICE immediately but, in

any case, within the time limit established for each of the benefits provided, even if not yet in

possession of the documents that will support the CLAIM FORM. Delayed communication

may result in the loss of benefit.

The CUSTOMER SERVICE’s operator will answer any of the CARDHOLDER’s questions

and send a CLAIM FORM.

Upon receiving the CLAIM FORM, the CARDHOLDER, the one designated by the

CARDHOLDER or the CARDHOLDER’s representative, as applicable, must fill out the

form and return it along with the required documentation required for each offered benefit.

These documents must be submitted up to 90 days (depending on the program) from the

initial contact with the CUSTOMER SERVICE to the addresses below:

AXA

122 S. Michigan Avenue

Suite 1100

Chicago, Illinois 60603

LOSS OF BENEFITS

The BENEFICIARIES shall use their best efforts to avoid or reduce any loss or damage to the

service provider (AXA) property under this program.

BENEFICIARIES will lose their right to the benefits under the terms of this program if they

make any claim they know to be false or fraudulent in any respect.

CONVERTING AMOUNTS INTO FOREIGN CURRENCY

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The foreign currency amounts mentioned in this guide will be converted into Brazilian reais

based on foreign currency’s sale rate (PTAX 800) published by the Central Bank of Brazil at

the day the credit card cycle is closed for the month after the incident occur and is reflect in

the Account statement. In the event this information is not available, the FX rate to be used

will be the one from the day before the payment of the claim.

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Section B. Other Benefits

B.1. Travel Assistance Services

Introduction

WE RECOMMEND THAT YOU READ “SECTION A. INTRODUCTION" ABOVE BEFORE

READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.

DEFINITIONS OF THE BENEFITS INCLUDED IN THIS GUIDE" AND ITEM "A.4.

GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE

UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR

KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.

Assistance prior to travel

Information on visas, entry permits, immunizations and documentation requirements;

Weather information;

Exchange rate information;

Maps;

Information on the destination countries and their major cities;

Information on culture and customs at the destinations;

ATMs locations.

Assistance during travel

Assistance with lost baggage;

Assistance with emergency ticket replacement;

Emergency message services;

Legal assistance; referrals to attorneys and bail

payment;

Assistance with the delivery of valuable

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documents; and

Activation of Visa’s medical services.

Visa Infinite Cardholders: Worldwide

Cardholder’s card Reach Area

Visa Infinite Worldwide

B.2. Emergency Services

Introduction

WE RECOMMEND THAT YOU READ “SECTION A. INTRODUCTION" ABOVE BEFORE

READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.

DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.

GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE

UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR

KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.

Visa Infinite CARDHOLDERS are provided the following assistance, anywhere in the world,upon

request:

Emergency Card Replacement

This service enables the CARDHOLDER to receive a replacement card anywhere in the world

in the event of loss or theft of the original card.

The issuance of Emergency Card Replacement is subject to your Bank Approval’s

Emergency Cash Advance

The CARDHOLDER can request an emergency cash advance on his/her account and receive

it anywhere in the world.

The processing of the Emergency Cash Advance as well as its credit limit shall be subject to

your Bank Approval’s.

Cardholder’s card Reach Area

Visa Infinite Worldwide

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B.3. Visa Concierge

Introduction

WE RECOMMEND THAT YOU READ “SECTION A. INTRODUCTION" ABOVE BEFORE

READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.

DEFINITIONS FOR THE BENEFITS DESCRIBEDIN THIS GUIDE" AND ITEM "A.4.

GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE

UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR

KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.

Visa Infinite CARDHOLDERS have at their disposal a service known as Visa Concierge, which has

been specially created to provide CARDHOLDERS with any kind of information and assistance they

may need.

The Concierge service is available 24 hours per day, 365 days per year, to help CARDHOLDERs in

emergency situations or simply to send gifts, purchase tickets and tours, rent vehicles, make

reservations for theatre plays or provide any other information or assistance that CARDHOLDERS

may need, both in Brazil and anywhere in the world.

Convenience

The Visa Concierge service saves time and makes the CARDHOLDER’s life easier by offering free

benefits such as:

24 hours per day, 7 days per week assistance;

Recommendations that help the Cardholder choose the travel and entertainment options that

best match his/her style; and

All of the information and assistance that the CARDHOLDER may need, anywhere in the

world.

Travel information

Coordination of itineraries and tours;

Information on visas, passports, entry visas, immunizations and documentation requirements;

Weather information;

Exchange rate information;

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Maps;

Information on the destination country and its major cities;

Information on the culture and customs of the destinations;

Travel assistance

Flight reservation and confirmation;

Hotel reservation;

Reservation and assistance for reserving rental vehicles, including luxury cars;

Assistance buying and sending gifts;

Emergency messages delivery; and

Translation services Reservations

Information on schedules and tickets for the opera, ballet, theatre plays, concerts, museums

and other cultural events and activities;

Special event information and reservations;

Information on sporting events;

Restaurant information and reservations;

Nightlife information and reservations.

Entertainment information

Tours and visits to tourist attractions

Recommendations, hours and reservations for

tennis courts and tee times;

Recommendations and reservations at spas,

gyms, and sports clubs; and

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Information on special sports facilities in the area.

Purchases and gifts

Send flower arrangements, balloons, baskets and gift packages;

Gift suggestions and ideas;

Help locating hard to find articles*; and

Information on the best shopping locations in the area.

* Visa Concierge will strive to meet the requests of our CARDHOLDERS. Notwithstanding, we reserve the right

to deny services considered absurd or inappropriate or that violate moral, ethical or legal principles. The Visa

Concierge program is managed by a third party which will answer the requests based on availability. This

program is provided free of charge, but it is the Client responsibility to bear the costs of the services and

products commercialized by third parties and requested by the Client through the Visa Concierge.

Cardholder’s card Visa Concierge

Visa Infinite Standard benefit