Common use of COVERAGE DESCRIPTION Clause in Contracts

COVERAGE DESCRIPTION. Travel insurance covers only losses that occur as a result of sudden and unforeseeable events. The duration of the coverage and the amounts of insurance that apply to your contract are indicated in the table of coverage. This Travel Insurance is an individual insurance offered to cardholders. As a cardholder, you are automatically covered for all the trips you take outside your province of residence. Subject to certain terms and conditions, this insurance also covers your spouse and your dependent children if they accompany you throughout their trip. Your Travel Insurance plan also gives you access to the Assistance Service during your trip. We encourage you to read these general conditions of your contract carefully, and draw your attention, in particular, to the Limitation, Restriction and Exclusions, indicated on pages 11 to 16. In addition, refer to pages 19 to 22 for an explanation of the procedure for submitting claims. Do not hesitate to contact your Insurer to check the scope of coverage for which you are eligible. You may also need to speak with your physician to obtain information regarding your health or your medical record. Your insurance contract includes the following documents: • these general conditions; • any rider or appendix related to contract changes or updates; The terms and conditions indicated in these general conditions apply to all coverages that commence as of January 15, 2017. To be eligible for the coverage offered under this Travel Insurance, you, your spouse and dependent child, must satisfy the following conditions: a) You must be a Canadian resident and be at least 15 days old; b) Your age, on the date of departure, must be lower than or equal to the maximum age indicated in the table of coverage; c) Your credit card must have been activated prior to departure; d) Your privileges as a cardholder must not have been suspended; e) Your credit card must not be in arrears for more than 90 days; f) Your trip must begin and end in Canada, in your g) Your trip must be taken outside your province of residence; this condition, however, does not apply to Common Carrier Accident coverage. Also, to be eligible for Travel Insurance, the spouse and dependent children of the cardholder must accompany the cardholder throughout their trip.

COVERAGE DESCRIPTION. Travel insurance covers only losses that occur as a result of sudden and unforeseeable events. The duration of the coverage and the amounts of insurance that apply to your contract are indicated in the table of coverage. This Travel Insurance is an individual insurance offered to cardholders. As a cardholder, you are automatically covered for all the trips you take outside your province of residence. Subject to certain terms and conditions, this insurance also covers your spouse and your dependent children if they accompany you throughout their trip. Your Travel Insurance plan also gives you access to the Assistance Service during your trip. We encourage you to read these general conditions of your contract carefully, and draw your attention, in particular, to the Limitation“Limitations for Pre-Existing Medical Conditions or Injuries” on pages 15 to 17. Also examine the Limitations, Restriction Restrictions and Exclusions, indicated on pages 11 15 to 1624. In addition, refer to pages 19 28 to 22 31 for an explanation of the procedure for submitting claims. Do not hesitate to contact your Insurer to check the scope of coverage for which you are eligible. You may also need to speak with your physician to obtain information regarding your health or your medical record. Your insurance contract includes the following documents: • these general conditions; • any rider or appendix related to contract changes or updates; The terms and conditions indicated in these general conditions apply to all coverages that commence as of January 15, 2017. To be eligible for the coverage offered under this Travel Insurance, you, your spouse and dependent child, must satisfy the following conditions: a) You must be a Canadian resident and be at least 15 days old; b) Your age, on the date of departure, must be lower than or equal to the maximum age indicated in the table of coverage; c) Your credit card must have been activated prior to departure; d) Your privileges as a cardholder must not have been suspended; e) Your credit card must not be in arrears for more than 90 days; f) Your trip must begin and end in Canada, in your g) Your trip must be taken outside your province of residence; this condition, however, does not apply to Common Carrier Accident coverage and Trip Cancellation coverage. Also, to be eligible for Travel Insurance, the spouse and dependent children of the cardholder must accompany the cardholder throughout their trip.

COVERAGE DESCRIPTION. Travel insurance covers only losses that occur as a result of sudden and unforeseeable events. The duration of the coverage and the amounts of insurance that apply to your contract are indicated in the table of coverage or in your special conditions, if you have obtained extended coverage. This Travel Insurance is an individual insurance offered to cardholders. As a cardholder, you are automatically covered for all the trips you take outside your province of residence. Subject to certain terms and conditions, this insurance also covers your spouse and your dependent children if they accompany you throughout their trip. Your Travel Insurance plan also gives you access to the Assistance Service during your trip. We encourage you to read these general conditions of your contract carefully, and draw your attention, in particular, to the Limitation“Limitations for Pre-Existing Medical Conditions or Injuries” on pages 20 to 24. Also examine the Limitations, Restriction Restrictions and Exclusions, indicated on pages 11 20 to 1633. In addition, refer to pages 19 40 to 22 43 for an explanation of the procedure for submitting claims. Do not hesitate to contact your Insurer to check the scope of coverage for which you are eligible. You may also need to speak with your physician to obtain information regarding your health or your medical record. Your insurance contract includes the following documents: • these general conditions; • any rider or appendix related to contract changes or updates; • the special conditions, if you obtain extended coverage under your insurance; • the insurability questionnaire, where required when you obtain extended coverage under your insurance. The terms and conditions indicated in these general conditions apply to all coverages that commence as of January 15, 2017. To be eligible for the coverage offered under this Travel Insurance, you, your spouse and dependent child, must satisfy the following conditions: a) You must be a Canadian resident and be at least 15 days old; b) Your age, on the date of departure, must be lower than or equal to the maximum age indicated in the table of coverage; c) Your credit card must have been activated prior to departure; d) Your privileges as a cardholder must not have been suspended; e) Your credit card must not be in arrears for more than 90 days; f) Your trip must begin and end in Canada, in your g) Your trip must be taken outside your province of residence; this condition, however, does not apply to Common Carrier Accident coverage and Trip Cancellation coverage; h) You must apply for extended coverage from the Insurer for Emergency Health Care if the duration of your trip exceeds that indicated in the table of coverage. Also, to be eligible for Travel Insurance, the spouse and dependent children of the cardholder must accompany the cardholder throughout their trip. • You, your spouse and your dependent children, must be covered under the government health and hospitalization insurance plans of your province of residence for the entire duration of the trip. It is your responsibility to check with the appropriate organizations that you do, in fact, have this coverage.

COVERAGE DESCRIPTION. Travel insurance Insurance covers only losses that occur as a result of sudden and unforeseeable events. The duration of the coverage and the amounts of insurance that apply to your contract are indicated in the table of coverage or in your special conditions, if you have obtained extended coverage. This Travel Insurance is an individual insurance offered to cardholders. As a cardholder, you are automatically covered for all the trips you take outside your province of residence. Subject to certain terms and conditions, this insurance also covers your spouse and your dependent children if they accompany you throughout their trip. Your Travel Insurance plan also gives you access to the Assistance Service during your trip. We encourage you to read these general conditions of your contract carefully, and draw your attention, in particular, to the Limitation“Limitations for Pre-Existing medical Conditions or Injuries” on pages 20 to 24. Also examine the Limitations, Restriction restrictions and Exclusions, indicated on pages 11 20 to 1633. In addition, refer to pages 19 40 to 22 43 for an explanation of the procedure for submitting claims. Do not hesitate to contact your Insurer to check the scope of coverage for which you are eligible. You may also need to speak with your physician to obtain information regarding your health or your medical record. Your insurance contract includes the following documents: • these general conditions; • any rider or appendix related to contract changes or updates; • the special conditions, if you obtain extended coverage under your insurance; • the insurability questionnaire, where required when you obtain extended coverage under your insurance. The terms and conditions indicated in these general conditions apply to all coverages that commence as of January 15April 1, 20172015. To be eligible for the coverage offered under this Travel Insurance, you, your spouse and dependent child, must satisfy the following conditions: a) You must be a Canadian resident and be at least 15 days old; b) Your age, on the date of departure, must be lower than or equal to the maximum age indicated in the table of coverage; c) Your credit card must have been activated prior to departure; d) Your privileges as a cardholder must not have been suspended; e) Your credit card must not be in arrears for more than 90 days; f) Your trip must begin and end in Canada, in your g) Your trip must be taken outside your province of residence; this condition, however, does not apply to Common Carrier Accident coverage and Trip Cancellation coverage; h) You must apply for extended coverage from the Insurer for Emergency health Care if the duration of your trip exceeds that indicated in the table of coverage. Also, to be eligible for Travel Insurance, the spouse and dependent children of the cardholder must accompany the cardholder throughout their trip. • You, your spouse and your dependent children, must be covered under the government health and hospitalization insurance plans of your province of residence for the entire duration of the trip. It is your responsibility to check with the appropriate organizations that you do, in fact, have this coverage.

COVERAGE DESCRIPTION. Travel insurance Insurance covers only losses that occur as a result of sudden and unforeseeable events. The duration of the coverage and the amounts of insurance that apply to your contract are indicated in the table of coverage. This Travel Insurance is an individual insurance offered to cardholders. As a cardholder, you are automatically covered for all the trips you take outside your province of residence. Subject to certain terms and conditions, this insurance also covers your spouse and your dependent children if they accompany you throughout their trip. Your Travel Insurance plan also gives you access to the Assistance Service during your trip. We encourage you to read these general conditions of your contract carefully, and draw your attention, in particular, to the Limitation“Limitations for Pre-Existing Medical Conditions or Injuries” on pages 15 to 17. Also examine the Limitations, Restriction Restrictions and Exclusions, indicated on pages 11 15 to 1624. In addition, refer to pages 19 28 to 22 31 for an explanation of the procedure for submitting claims. Do not hesitate to contact your Insurer to check the scope of coverage for which you are eligible. You may also need to speak with your physician to obtain information regarding your health or your medical record. Your insurance contract includes the following documents: • these general conditions; • any rider or appendix related to contract changes or updates; The terms and conditions indicated in these general conditions apply to all coverages that commence as of January 15June 30, 20172016. To be eligible for the coverage offered under this Travel Insurance, you, your spouse and dependent child, must satisfy the following conditions: a) You must be a Canadian resident and be at least 15 days old; b) Your age, on the date of departure, must be lower than or equal to the maximum age indicated in the table of coverage; c) Your credit card must have been activated prior to departure; d) Your privileges as a cardholder must not have been suspended; e) Your credit card must not be in arrears for more than 90 days; f) Your trip must begin and end in Canada, in your g) Your trip must be taken outside your province of residence; this condition, however, does not apply to Common Carrier Accident coverage and Trip Cancellation coverage. ; Also, to be eligible for Travel Insurance, the spouse and dependent children of the cardholder must accompany the cardholder throughout their trip.

COVERAGE DESCRIPTION. Travel insurance covers only losses that occur as a result of sudden and unforeseeable events. The duration of the coverage and the amounts of insurance that apply to your contract are indicated in the table of coverage. This Travel Insurance is an individual insurance offered to cardholders. As a cardholder, you are automatically covered for all the trips you take outside your province of residence. Subject to certain terms and conditions, this insurance also covers your spouse and your dependent children if they accompany you throughout their trip. Your Travel Insurance plan also gives you access to the Assistance Service during your trip. We encourage you to read these general conditions of your contract carefully, and draw your attention, in particular, to the Limitation“Limitations for Pre-Existing Medical Conditions or Injuries” on pages 15 to 17. Also examine the Limitations, Restriction Restrictions and Exclusions, indicated on pages 11 15 to 1624. In addition, refer to pages 19 28 to 22 31 for an explanation of the procedure for submitting claims. Do not hesitate to contact your Insurer to check the scope of coverage for which you are eligible. You may also need to speak with your physician to obtain information regarding your health or your medical record. Your insurance contract includes the following documents: • these general conditions; • any rider or appendix related to contract changes or updates; The terms and conditions indicated in these general conditions apply to all coverages that commence as of January 15, 2017. To be eligible for the coverage offered under this Travel Insurance, you, your spouse and dependent child, must satisfy the following conditions: a) You must be a Canadian resident and be at least 15 days old; b) Your age, on the date of departure, must be lower than or equal to the maximum age indicated in the table of coverage; c) Your credit card must have been activated prior to departure; d) Your privileges as a cardholder must not have been suspended; e) Your credit card must not be in arrears for more than 90 days; f) Your trip must begin and end in Canada, in your g) Your trip must be taken outside your province of residence; this condition, however, does not apply to Common Carrier Accident coverage and Trip Cancellation coverage. ; Also, to be eligible for Travel Insurance, the spouse and dependent children of the cardholder must accompany the cardholder throughout their trip.