Please read carefully, if you have any questions then please call us.
This information is available in a different format, free of charge, for people who are visually impaired.
Please call Card Services on 0870 161 5000 or Type Talk on 18001 0870 333 8925 quoting reference CPITC/11860/1109.

1. TRAVEL ACCIDENT INSURANCE

TRAVEL ACCIDENT INSURANCE - PRICING INFORMATION

Travel Accident Insurance is complimentary with your Citi Card. There is no additional cost to you for this policy.

TRAVEL ACCIDENT INSURANCE - POLICY SUMMARY

This policy summary does not contain the full terms and conditions of the Travel Accident Insurance. The full terms and conditions can be found in the policy document. Travel Accident insurance is provided by AIG UK Limited, (and administered by AIG Direct), to Cardholders, (as defined below), provided premiums are paid by Citi (as defined in Section 8 and 9 of the Agreement)

The Cover

If you have an Accident and suffer Bodily Injury which alone and within 24 months of the date of the Accident, causes death or permanent disabilities whilst:

• A fare-paying passenger whilst getting on or in, travelling on or in or getting off or out of Public Transport
• A passenger in a hire car with chauffeur
• A driver or passenger in a rented vehicle
• In an airport, seaport, railway station or bus station for the purpose of boarding Public Transport. You can claim the appropriate benefit shown in the Table of Benefits, in the policy wording under 2.0 SCOPE OF INSURANCE.

Eligibility

You are eligible for this cover if you are a Citi Cardholder and the cost of your trip has been totally or partially paid for with the card.

Main Exclusions

The Insurer shall not be liable for death or disablement arising:

a) from suicide or attempted suicide or intentional self-injury or deliberate exposure to exceptional danger (except in an attempt to save human life) or from your own criminal act;

b) from flying, except as a fare-paying passenger and duties with the armed forces;

c) directly or indirectly from:

• sickness or disease, or
• natural causes, or
• medical or surgical treatment (unless rendered necessary following Bodily Injury covered by this insurance) For full details of exclusions refer to 6.0 EXCLUSIONS under the heading Travel Accident Insurance within the main policy document.

The Period for which you are covered

Your cover will end when you notify us that you no longer wish to have a Citi Card. Please review this cover periodically to ensure that it remains adequate.

Your right to cancel

You can cancel the Travel Accident Policy at anytime by writing to Card Services, CitiFinancial Europe plc, PO Box 49920, London, SE5 7ZF.

Claims

Please write to Card Services, CitiFinancial Europe plc, PO Box 49920, London, SE5 7ZF.

Customer Service

If You have any queries or complaints about this policy, or You feel that We have not kept Our promise, please write to The Claims Manager, UNAT DIRECT Insurance Management Limited, 96 George Street, Croydon CR9 1BU. After doing this, if you are still not satisfied with the way your complaint has been dealt with, you may write to the Managing Director of UNAT DIRECT. If You remain dissatisfied, You may refer Your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR: Phone 0845 080 1800.

Financial Services Compensation Scheme

If AIG UK Limited are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.

TRAVEL ACCIDENT INSURANCE - POLICY WORDING

This Policy gives details of the insurance provided by AIG UK Limited, (and administered by AIG Direct), to Cardholders, (as defined below), provided premiums are paid by Citi (as defined in Section 8 and 9 of the Agreement) .

1.0 DEFINITIONS

The words set out below will, wherever they appear in this policy, have the following meanings;

Accident means an unforeseen and unexpected event which occurs at an identifiable time and place whilst the policy is in force.
Any Work Benefit means the benefit which will be paid if Bodily Injury disables the Insured Person to such an extent that the Insured Person is permanently prevented from doing any paid work whatsoever for the remainder of their life.
Bodily Injury means physical damage caused by an Accident.
Card means the card issued to the Cardholder by Citi.
Cardholder means the holder of a Citi Card nominated by Citi to be insured by this policy.
Children means the Cardholder's and his/her spouse's children under 21 years of age.
Insured Person means the Cardholder and/or his/her spouse and/or Children.
Insurer means AIG UK Limited.
Loss (in relation to limbs, thumbs, fingers or toes) means permanent severance or permanent and total loss of use of an entire hand, arm, foot, leg, thumb, finger or toe.
Loss of sight means physical loss of an eye or the loss of a substantial part of the sight of an eye. A substantial part means that the degree of sight remaining after the Accident is 3/60 or less on the Snellen scale after correction with spectacles or contact lenses. (At 3/60 on the Snellen scale one can see at 3 feet something one should be able to see at 60 feet). Loss of use means permanent and total loss of use.
Public Transport means a train, tram, bus, ship, aircraft or taxi.
Operative Time means undertaking a journey totally or partially paid for in advance with the Card and being:

• a fare-paying passenger whilst getting on or in, travelling on or in or getting off or out of Public Transport
• a passenger in a hire car with chauffeur
• a driver or passenger in a rented vehicle
• in an airport, seaport, railway station or bus station for the purpose of boarding Public Transport Travelling to and from an airport, seaport, railway station or bus station in any conveyance is also covered if the intended Public Transport journey has been totally or partially paid for in advance with the Card.

We, us, our means AIG UK Limited.
You or your means an Insured Person.

2.0 SCOPE OF INSURANCE We will pay the Benefit as shown in the table below if the Insured Person has an Accident during the Operative Time and suffers Bodily Injury which alone and within 24 months of the date of the Accident, causes death or permanent disabilities.

TABLE OF BENEFITS

1. Accidental Death £100,000

2.Any Work £100,000

3.Total loss of sight in both eyes £100,000

4.Total loss of sigh tin one eye £50,000

5. Loss of two or more limbs £100,000

6. Loss of one limb £50,000

7. Total loss of sight in one eye and loss of one limb £100,000 The above benefits apply to the Cardholder. The Cardholder's spouse will receive 50% of the above. The Cardholder's Children will receive 25% of the above except for Accidental Death where a maximum of £5,000 is payable.

3.0 GEOGRAPHICAL LIMITS

Worldwide.

4.0 HOW TO CLAIM

You, or someone else on your behalf, must contact AIG Direct as soon as reasonably practical after any event happens which is likely to lead to a claim. You can do this by phoning 020 8662 8146 or by writing to 96 George Street, Croydon CR9 1BU. All certificates and information to support a claim must be supplied at the Insured Person's own expense.

5.0 CONDITIONS AND LIMITATIONS

In the event of a claim the medical advisor(s) appointed by the Insurer shall be allowed to examine the Insured Person as often as may be required.

6.0 EXCLUSIONS

No benefit for bodily injury or temporary incapacity will be payable:

• if it results from sickness or disease;
• if the accident occurs in a country where a state of war exists (declared or not) if the accident was the direct consequence of the war;
• if bodily injury is sustained while you are flying unless you are a fare-paying passenger;
• if you take a drug or drugs other than according to the manufacturer's instructions or as prescribed by a registered medical practitioner;
• if you take a drug or drugs for the treatment of drug addiction;
• if your injuries are intentionally self-inflicted;
• if bodily injury is sustained whilst you attempt to commit suicide;
• if your bodily injury is sustained whilst directly involved in an unlawful act;
• if the accident occurs whilst driving or in charge of a vehicle and your blood/urine alcohol level is above the legal limit stated in the laws of the country where the accident occurs;
• if you deliberately or recklessly expose yourself to danger; or
• if it results from fibromyalgia, myalgic encephalomyelitis, chronic fatigue syndrome, post- traumatic stress disorder or any mental or nervous disorder for any losses from the Insured Person driving a rental vehicle if they are over 60 years old.

7.0 GENERAL PROVISIONS AND CONDITIONS

1. Chartered flights are covered provided the ticket is purchased using the Card.

2. The maximum period of any one trip is thirty (30) days, subject to General Provision and Condition 6 (below).

3. A return trip constitutes two separate trips, for the purposes of this insurance.

4. Death or disablement resulting from exposure to severe weather conditions will be considered to have been caused by accidental bodily injury.

5. If an Insured Person disappears and after a suitable period of time it is reasonable to believe that death resulted from accidental bodily injury, the benefit as shown in the Schedule will be paid providing the Policyholder signs an agreement that if it later transpires that an Insured Person has not died, any amount paid will be refunded to us.

6. If the Insured Person's trip is not completed within the scheduled period due to circumstances beyond the Insured Person's control, the cover provided by this policy will automatically continue until completion, up to:

• 12 months for hi-jack, kidnap or similar terrorist or criminal act, or
• 30 days under any other circumstances.

7. Each Insured Person will, for the purpose of the policy, be regarded as being separately insured. The maximum number of Insured Persons on each trip is 6 (six).

8. Any benefit will be paid to the Insured Person, or in the event of death, to the Insured Person's legal representatives. Benefits for Children will be paid to the Cardholder.

9. In no event will the production of more than one Card voucher evidencing a charge in whole or part of the fare or hire cost, obligate the Insurer to pay - in respect of any Insured Person as a result of any one Accident - more than one benefit nor shall the Insurer be liable for an amount greater than the sum of the benefit defined herein.

8.0 CANCELLING THE COVER

This insurance will terminate when the Insured Person ceases to be a Cardholder or when the master policy is cancelled by Citi or us by giving the other party 30 days written notice to their last known address. In this latter event, cover will continue to apply to any trip started before the date of cancellation.

9.0 LAW AND JURISDICTION

This policy will be governed by the law that applies in the part of the territory where the policyholder normally lives unless agreed to the contrary by the policyholder and us before the effective date, otherwise the law of England and Wales will apply whose courts alone will have jurisdiction.

If something goes wrong with our service Complaints procedure

UNAT DIRECT Insurance Management Limited manages all aspects of customer service and claims for this policy on behalf of AIG UK Limited and is committed to providing you with a first-class service at all times. However, we recognise that occasionally you may be unhappy with some aspect of this service. If you want to make a complaint, please follow this complaints procedure which is designed to sort out any problem quickly. Stage one If your complaint is about our service, please contact the Manager of the Customer Services department at the address below and quote your policy number. If your complaint is about a claim, please contact the Manager of the Claims department at the address below and quote your claim number. We will do our best to sort out the problem within five working days. For complaints relating to claims, it may take us a little longer, especially if we need to consult medical professionals. We will, however, acknowledge your complaint and keep you regularly informed about the progress of your complaint. Stage two If your complaint cannot be sorted out to your satisfaction and we cannot agree a way to put things right, we will issue a letter which will set out the basis of your complaint and how we have tried to sort it out. This is called a 'final response letter. If it is necessary to issue a final response letter', we will issue this letter within eight weeks from the date you first made your complaint. If we cannot issue it within this period, we will tell you why and when we will be able to respond. Stage three If you are not satisfied with our final response, you can ask the independent Financial Ombudsman Service (FOS) to review your case, without affecting your legal right to take action. The Financial Ombudsman Service may not be able to deal with your case until we have issued the final response letter, unless we fail to issue the letter within eight weeks of your complaint being made.

Contact details

UNAT DIRECT Insurance Management Limited 96 George Street Croydon CR9 1BU Phone: Manager, Customer Services Department - 020 8662 8100 Manager, Claims Department - 020 8662 8101 Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Phone: 0845 080 1800

OTHER INFORMATION

AIG UK Limited registered office: 58 Fenchurch Street, London EC3M 4AB. UNAT DIRECT Insurance Management administers this policy on behalf of AIG UK Limited. Both companies are authorised and regulated by the Financial Services Authority. You can confirm this with the Financial Services Authority on www.fsa.gov.uk/register or by calling 0845 606 1234. AIG UK Limited is also a member of the Association of British Insurers. UNAT DIRECT Insurance Management Limited is registered in England number 3960626. Registered office: 96 George Street, Croydon CR9 1BU

EMERGENCY TRAVEL ASSISTANCE

The following services can be requested from International SOS by telephoning 020 8762 8146. Please note that this is a chargeable service and should not be considered as a replacement for travel insurance not an insurance policy. Before travelling, you should ensure you arrange suitable travel insurance.

• Evacuation and Repatriation Services: in case of serious accident or illness, the cardholder can be evacuated or repatriated by SOS upon medical advice.
• Decisions to repatriate, evacuate and/or send to stabilisation centre: such decisions will be taken by the SOS physician in charge, in consultation with the physician treating the cardholder, and if possible the cardholder's usual doctor.
• Transportation under medical supervision: depending on the nature and urgency of circumstances, SOS will take the decision as to the best form of transportation, in consultation with the physician treating the cardholder if possible.
• Emergency dispatch of a physician: if required, when the cardholder cannot be moved or a local physician is not available.
• Transportation of essential medical/equipment: if not available locally and where possible items will be dispatched upon request of the local attending physician.
• Repatriation of children: if they are left unattended as a result of the cardholder's accident, SOS will arrange transportation by common carrier and supervision.
• Repatriation of mortal remains: to agreed location determined by the cardholder's legal representative, in case of the cardholder's death while abroad.

USE OF YOUR INFORMATION - DATA PROTECTION

In administering your insurance, we 'CitiFinancial Europe plc ("Citi Cards")' will process personal and sensitive data about you including information relating to former names and genders, and your physical and/or mental health. We will add to your record details of new information supplied by you, your medical or legal advisers, government agencies, and employers. This information will be seen by CitiFinancial Europe plc and companies involved in arranging and administering the insurances set out in this policy. We, or the other organisations involved in the administration of any claim under the insurance, may use private investigators or enquiry agents in order to seek further information about you, including to establish your whereabouts if you have failed to notify us of a change of address, for the prevention of fraud and other offences, including money laundering. Any information so obtained which provides evidence of any criminal offence committed by you or any other person will be disclosed to the police or other prosecuting or law enforcement authorities (including, where necessary, those of other countries). We will also add to your record with the credit reference agencies details of your agreement with us the payments you make under it and any default or failure to keep to its terms and any change of address you fail to tell us of where a payment is overdue, other companies may use this information to make credit decisions about you and your accounts. It is important that you give us accurate information. If false or inaccurate information is provided and fraud is identified, details will be passed to the fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities;
• Managing credit and credit related accounts or facilities;
• Recovering debt;
• Checking details on proposals and claims for all types of insurance;
• Checking details of job applicants and employees. For these purposes, they or we will make further searches. Although these searches will be added to your record, they may not be shared with others. We, the credit reference agencies and fraud prevention agencies will also use your record for statistical analysis about credit and about insurance and fraud. We and other organisations may access and use information from other countries recorded by fraud prevention agencies.

THIS PRODUCT IS NO LONGER SOLD AND IS FOR EXISTING CARDHOLDER REPAYMENT PROTECTION CUSTOMERS

1. CARDHOLDER REPAYMENT PROTECTION

This insurance is optional and not required to maintain your credit card.

Statement of Demands and Needs

We have not provided you with any advice or recommendation as to whether this policy is suitable for your specific needs. This cover meets the needs of those customers who prefer to have their credit card repayment protected so that should they be unable to work due to accident, sickness, or involuntary unemployment the minimum payments (up to £500) due each month, would be made on their behalf. In the event of a critical illness or death the outstanding balance up to £20,000 would be covered on their card.

CARDHOLDER REPAYMENT PROTECTION - PRICING INFORMATION

The cost of Cardholder Repayment Protection (CRP) is 85p per £100 of your monthly credit card statement balance.

The premium will include Insurance Premium Tax (IPT) at the current rate of 5%. Other taxes may exist which are not payable through Us.

The insurance premium will be added to your monthly statement and interest charged at your normal rate.

For example, if you have an outstanding balance of £1,000 in any one month, the amount charged to your account will be £8.50 in that month. Should your statement balance remain at £1,000 for 12 months, the total amount debited to your credit card account for CRP would be £102.00, plus any interest as applicable.

If you have a zero statement balance, there will be no CRP charge in that month.

CARDHOLDER REPAYMENT PROTECTION - POLICY SUMMARY

This summary does not contain the full terms and conditions of the cardholder repayment protection. Full terms and conditions can be found in the policy document under the section headed CARDHOLDER REPAYMENT PROTECTION.

The Insurer

The policy is underwritten by MetLife Limited and MetLife Insurance Limited.

The Type of insurance and cover

Subject to the policy terms and conditions, Cardholder repayment protection is a payment protection insurance that protects your credit cards payments in the event of death, critical illness, disability, or involuntary unemployment.

This policy is designed to provide protection to the Primary cardholder only, except for the Jobcare advisory service (see section 10.1 of the policy).

Eligibility

To take out cardholder repayment protection you must be eligible (see below).

At the start date you must be:

• Unaware of any impending involuntary unemployment (see section 2.1 (c) of the policy);
• In regular active paid work for 16 or more hours per week for at least 6 consecutive months (see section 4.29 of the policy); and
• Over 18 and under 65 years of age (see section 2.1 (a) of the policy).

You may need to review and update your cover periodically to ensure it remains adequate.

Your cover will start when your insurance application has been accepted. Your insurance is automatically renewed every month on your statement date until it's terminated (see section 12 of the policy).

You have the right to cancel your policy at any time. If you cancel within the first 30 days from the date your policy begins any premiums paid will be refunded. (for full details see section 12.1 of the policy).

e) To notify a claim, you should contact MetLife on 0870 909 9459 and provide them with your name, address and Account number.

The claims handlers are MetLife Services Limited, PO Box 2380, Davidson House, 2 Forbury Square, Reading, RG1 9BX, See section 11.0 of the policy.

How to cancel

Any enquiry or complaint you have regarding your Insurance should be addressed either to

• Card Services, CitiFinancial Europe plc, PO Box 49920, London, SE5 7ZF or to either MetLife Limited or
• MetLife Insurance Limited at Davidson House, 2 Forbury Square, Reading, RG1 3EU for the attention of the Customer Services Manager.

If you still remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service. Any entitlement to refer a complaint to the Financial Ombudsman Services is without prejudice to your right to instigate legal proceedings (see section 16.4 of the policy).

Financial Services Compensation Scheme

If the underwriter is unable to meet their liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. You can contact the customer service team by phone on: 020 7892 7300, or by writing to Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN.

CARDHOLDER REPAYMENT PROTECTION - POLICY WORDING

1.0  INTRODUCTION

1.1  You have applied for insurance to protect your repayments under your Account.

1.2  The insurance is underwritten by us and arranged by Citi Cards, a registered insurance intermediary.

1.3  In return for the payment of the monthly Premium, we will cover you for the benefits set out below, which will be paid subject to the terms and conditions set out below.

1.4  As long as your policy is in force, this document is your evidence of cover. Please read it carefully and particularly the following section 2.0 ELIGIBILITY.

2.0  ELIGIBILITY

2.1  For this insurance to apply, on the date of your application, you must be:

a)  18 years and over and under 65 years of age;

b)  Working for at least 6 consecutive months;

c)  unaware of any impending unemployment.

3.0 GENERAL

3.1  We will pay all benefits to Citi Cards, who will credit your Account

3.2  You cannot claim for more than one benefit at the same time or more than once for the same period of time.

3.3  Insurance cover is for one month at a time which will be renewed automatically every month on the statement date and will end upon the occurrence of any of the events set out in the section headed 12.0 TERMINATION

4.0  DEFINITIONS

Whenever the words below appear in bold in this policy they have the following special meanings:

5.0  LIFE BENEFIT

5.1  If you die during the Cover Period, we will pay the Outstanding Balance due on the Account at your date of death less any arrears up to a maximum of £20,000. This includes any Citi Flex balance if you have this product.

5.2  We will pay this benefit on receiving proof of age, death and qualification for benefit

5.3 We will not pay any benefit if your death is due to:;

a)  your taking part in riot or civil disturbances;

b)  your suicide or intentional self injury; or

c)  any Pre-Existing Condition that causes your death within 12 months of your Start Date.

6.0 CRITICAL ILLNESS BENEFIT

6.1 If you are first diagnosed with a Critical Illness during the Cover Period, and you survive for a period of 30 days or more from the Date of Diagnosis, we will pay the Outstanding Balance at the Date of Diagnosis, less any arrears, or amounts paid under clause 7.0 of your policy, in respect of the condition for which you are claiming benefit under this section, up to a maximum of £20,000. This benefit is only payable once during the Cover Period and then you stop paying your Premium and the policy ends

6.2 We will pay this benefit on receiving proof of age, diagnosis and qualification for benefit.

6.3 The complete list of conditions covered by the Critical Illness cover is listed in Section 4.6.

6.4 We will not pay any benefit for a Critical Illness claim:

a)  if you die within 30 days of the Date of Diagnosis;

b)  for a Critical Illness condition suffered within 90 days of the Start Date;

c)  for a Critical Illness condition that was diagnosed before the Start Date or which you were aware of or could reasonably have been expected to be aware of at the Start Date; or if the claim results from:

d)  Taking part in a criminal act;

e)  Alcohol or solvent abuse, or the use of drugs unless prescribed by a Doctor for a condition other than drug addiction;

f)  Unreasonable failure to seek or follow medical advice;

g)  Taking part in (or practising) boxing, caving, climbing, horse-racing, jet-skiing, martial arts, mountaineering, off-piste skiing, pot-holing, power-boat racing, underwater diving, yacht racing or any race, trial or timed motor sport;

h)  Attempted suicide or intentionally self-inflicted injury;

i) War, invasion, act of foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power;

7.0 Disability benefit

7.1  If you are Working and become Disabled during the Cover Period and it is the sole reason for you being unable to do your normal Work, after 30 consecutive days of Disability during the Cover Period, we will pay the Monthly Benefit, retrospectively back to the Date of Claim. We will pay the Monthly Benefit for each subsequent consecutive full calendar month for which you are Disabled during the Cover Period.

7.2  We will pay up to a maximum of 12 Monthly Benefits in total for any one period of Disability.

7.3 You must return to Work for at least 6 consecutive months before a further Disability claim can be made. If you are in Work for less than 6 consecutive months between two periods of the same Disability that occur during the Cover Period, we will treat this as one continuous period of Disability. We will not pay the Monthly Benefit for the time you were Working between the two periods. We will pay a maximum of 12 Monthly Benefits for the combined period.

7.4  If you undertake Temporary Work during a Disability claim, for a period of less than 6 months, for example through the New Deal for Disabled People, we will temporarily suspend your claim. We will stop paying the Monthly Benefit whilst you are performing this Temporary Work. When your Temporary Work ceases, we will resume payment of the Monthly Benefit, provided you are still eligible and subject to the maximum Monthly Benefit payments described in 7.2.

7.5 We will pay the Monthly Benefit subject to qualification for benefit and we will need further evidence of your continued qualification.

7.6 We will not pay any benefit for your Disability caused and contributed to by:

a) your taking part in riot or civil disturbances;

b)  your attempted suicide or intentional self injury;

c)  any Pre-Existing Condition unless you have been symptom free and have not consulted a Doctor or received treatment for the condition in the 12 months prior to the Date of Claim;

d) war, invasion, act of foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power;

e)  your taking part in Military, Naval or Air Service operations outside the Covered Territories; or

f)  the use of drugs unless taken as prescribed by a Doctor for a condition other than drug addiction.

8.0 UNEMPLOYMENT BENEFIT

8.1  If you are Working and become Unemployed during the Cover Period, after a period of 30 consecutive days of Unemployment within the Cover Period, we will pay the Monthly Benefit retrospectively back to the Date of Claim. We will pay the Monthly Benefit for each subsequent consecutive full calendar month for which you are Unemployed during the Cover Period.

8.2  If you are Working and become Unemployed to become a Carer during the Cover Period, after 30 consecutive days of being a Carer during the Cover Period, we will pay the Monthly Benefit retrospectively back to the Date of Claim. We will pay the Monthly Benefit for each subsequent consecutive full calendar month for which you are a Unemployed to be a Carer during the Cover Period.

8.3  We will pay up to a maximum of 12 Monthly Benefits in total for any one period of Involuntary Unemployment.

8.4  You must return to Work for at least 3 consecutive months before a further Involuntary Unemployment claim can be made. If you are in Work for less than 3 consecutive months between two periods of the same Involuntary Unemployment, we will treat this as one continuous period of Involuntary Unemployment. We will not pay the Monthly Benefit for the time you were Working between the two periods. We will pay a maximum of 12 Monthly Benefits for the combined period.

8.5  If you undertake Temporary Work during an Unemployment claim, for a period of less than 3 months, we will temporarily suspend your claim. We will stop paying Monthly Benefit whilst you are doing this Temporary Work. When your Temporary Work finishes, we will resume payment of the Monthly Benefits providing you are still eligible, subject to the maximum Monthly Benefit payments described in 8.3.

8.6  We will pay the Monthly Benefit subject to qualification for benefit and we will need further evidence of your continued qualification.

8.7  We will not pay any benefit for your Unemployment:

a)  that is regularly and normally (including seasonally) occurring breaks in your occupation;

b)  due to voluntary termination of employment;

c)  due to you taking early retirement;

d)  due to your dismissal as a result of misconduct or taking part in industrial action;

e)  that occurs whilst you are on a contract that is of temporary or casual nature;

f)  due to expiry, early termination or non-renewal of a fixed term contract unless you meet all of the following conditions:

 i. On your contractual expiry date you have been continuously employed by the same employer for at least two consecutive years;

 ii. Your fixed term contract has been renewed at least once; and

 iii. The expiry or non-renewal is not within 180 days of the Start Date

g)  which, at the Start Date, you were aware of or which you had reason to believe could happen;

h)  unless you were in continuous Work for 3 months immediately before you become Unemployed. If you were not working for 2 weeks or less, this will not count as a break in your employment for the purposes of this paragraph) ; or

i) for which you have received or were entitled to payment in lieu of notice.

9.0 LOST AND STOLEN CARDS

9.1 We will cover the first £50 of your losses if your Citi credit card has been used fraudulently.

10.0 JOBCARE

10.1 Jobcare is an independent and confidential advisory service for you and any immediate family member living with you during the Cover Period. It can be used at any time whether you are Involuntary Unemployed or simply considering a change of career.

10.2 The services available are:

a)  how to deal with the Benefits Agency and Job Centre

b)  planning your return to Work and comprehensive 'back to work' guide

c)  preparing an effective CV and job application letter

d)  identifying job vacancies

e)  preparing for interview

10.3 Call 01582 439904 for assistance. This service is provided on behalf of MetLife Insurance Limited by JobCare Services Limited, (previously known as PMA Limited).

11.0 MAKING A CLAIM

11.1 If you wish to make a claim, you (or your Personal Representative if you die) must do the following:

a)  Contact us on 0870 909 9459 and provide us with your name, address and Account number;

b)  Complete the claim form which we will send you and return it with any additional information and documents we may ask for;

c)  provide at your own expense any medical certificates or other evidence that we may request; and

d)  provide information which to you or your Personal Representative's knowledge is true and correct.

If any accident occurs or you become ill in circumstances that may lead to a Disability or Critical Illness claim you must:

a)  place yourself under the care of a Doctor or Consultant as soon as possible and follow their advice; and

b)  undergo at our expense any medical examinations or tests that may reasonable be required.

Claims on your policy will be handled by MetLife Services Limited, PO Box 2380 Davidson House, 2 Forbury Square, Reading Berkshire, RG1 9BX

When you are claiming benefit under one clause of your policy and your circumstances change, it may be possible to change the claim type from one claim type to another, without you having to go through another waiting period. Please contact the claims handlers if:

a)  you are receiving Disability benefits and you then become Unemployed;

b)  or you are receiving Unemployment benefits and you become Disabled; or

c)  you are receiving Involuntary Unemployment benefit and you are going to start Temporary Work. You must contact us before you start this Temporary Work otherwise your claim may not be valid.

If you do not follow the instructions above, and our position is thereby prejudiced, we may cancel the policy and refuse any claim and withdraw from any current claim.

If you or anyone acting for you makes a claim under your policy that is false or fraudulently exaggerated in any respect or make a statement knowing the statement to be false in any respect or submits a document knowing the document to be forged or false in any respect then we will not pay the claim. We may at our option declare the policy void and be entitled to recover from you the amount of any claim already paid under the policy. We may inform the police of the circumstances.

12.0 CANCELLATION AND TERMINATION

12.1 You can cancel at any time by notice in writing to Citi Cards. If you cancel your insurance within the first 30 days any Premiums paid will be refunded. After cancellation you may be charged a final Premium for the cover you have received since your last statement date. After this charge, no further Premium will be taken from your Account.

12.2 If you wish to cancel your policy you should write to: Card Services, CitiFinancial Europe plc, PO Box 49920, London, SE5 7ZF or call Card Services on 0870 330 4330.

12.3 Your policy will end on whichever of the following happens first:

a)  The date your cover is cancelled by you;

b)  The date of termination as notified by us or Citi Cards in writing to you at your last known address. You will be given at least 30 days' notice of termination;

c)  Your Premium is not paid;

d)  The date on which your Account is 90 days contractually in arrears (Citi Cards may reinstate your policy if you account is subsequently bought up to date);

e)  The date you attain the age of 65;

f)  The date you die, whether or not a benefit is paid under section 5.0;

g)  The date benefit is paid under section 6.0.

13.0 GENERAL CONDITIONS

13.1 We reserve the right to amend the terms of your policy (including any financial amounts or limits) as we consider reasonably necessary to take account of any changes to applicable taxation, legislation or regulation or to maintain the financial and administrative viability of your policy. If we do so, we will give you written notice of our intention to do so as follows:

a)  30 days notice to withdraw, terminate, or cancel a part or the whole of the cover;

b)  30 days notice to vary the cover provided; or

c)  30 days notice to alter the rates of Premium during the Cover Period,.

13.2  If we amend the policy in accordance with clause 13.1 a), b) and c), you are entitled to cancel your policy. But if you allow further Premiums to be charged to your Account this will constitute your acceptance of the amendment.

13.3  If your personal circumstances change, for example, from permanent employment to temporary employment or Self Employment, or from Working 16 hours a week or more to less than 16 hours per week, then your eligibility for cover or the evidence we need for your claim may change. If your circumstances change, please contact us so we can discuss any issues or change of benefit.

13.4  English law governs this policy unless you ask for another law and we agree to this before the Start Date.

13.5  We may share information with other insurers to prevent fraudulent claims and for underwriting purposes.

13.6  The Financial Service Compensation Scheme (FSCS) is a safety net for customers of authorised financial services firms. FSCS may pay compensation if we are unable, or likely to be unable, to pay claims. You can contact the customer service team by phone on: 020 7892 7300, or by writing to Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN

14 USE OF YOUR INFORMATION

14.1 You have a right to know how We will use Your personal information. It is important that You should read this notice, to ensure You are fully aware of how Your personal information is being used and Your rights in that regard.

14.2 Any information that is provided by You will be treated with the highest standards of security and confidentiality and in accordance with the terms of the Data Protection Act 1998 (or equivalent legislation).

14.3 You agree:

a. In administering Your insurance, We will process Sensitive Personal Data about You including information relating to physical and or mental health. We will add to Your record details of new information supplied by You, Your medical or legal advisers, government agencies and employers.

b. We may send You information by post, fax or email or call You about products of Ours, or of companies within Our Group, including but not limited to MetLife Inc, or of other organisations which may be of interest to You.

c. We may do this even when the customer/business relationship has lapsed or terminated unless You tell Us to stop as set out in clause 14.12b); and We may pass Your details to companies of Our Group, including but not limited to MetLife Inc., to send You information by post, fax, email, SMS (text) messaging or call You about their products.

14.4 We value Your privacy and hold in confidence information about You and Your policy as part of our arrangements with Citi Cards. However, in certain circumstances, We may disclose transfer or this information, for example:

a. If permitted by your policy;

b. If required to do so by any court or similar process;

c. If required or permitted to do so by law or by the rules of any regulatory body of which We are a member or whose rules or provisions

apply to us such as the Financial Services Authority ;

d. To countries inside and outside the European Economic Area to administer and service Your policy. You understand that Data Protection laws may not be as comprehensive in other countries as in the European Union. However, where such a disclosure takes place We will ensure that a contract is in place to ensure the level of protection for Your data is maintained;

e. If We are under public duty to transfer or disclose;

f. If it is in Your own interests; and

g. At Your request or with Your consent.

14.5 We may transfer or disclose Your Personal Data and/or Sensitive Personal Data to Our parent company, MetLife Inc. (or any other parent as a result of merger or amalgamation or corporate restructure), and any other organisation within Our Group, or to third party service providers inside or outside of the European Economic Area, for the purposes of providing services to you and for their confidential and internal use.

14.6 We may also transfer or disclose your Personal Data and/or Sensitive Personal Data to other third parties where it is reasonably necessary to do so to assess any claim or for processing Your dealings with them or Us or to enable them to provide services to You.

14.7 We, other companies of Our Group and other reputable organisations chosen by Us will use, analyse and assess Your information to maintain and develop Our and their relationships with You. The types of activity that this will include are:

a. Administering Your insurance policy and to deal with Your enquiry;

b. Operating and administering the products and services We and/or they supply;

c. Servicing Your relationships with other companies of Our Group and other organisations;

d. Helping Us and them to identify products and services which may be of interest to You (unless You have asked us not to); and

e. Helping Us and them to understand and develop Our and their businesses, including new and innovative products and services.

14.8 For operational reasons in order to carry out the activities listed in Section 14.7 above, We may;

a. Link Your information We hold in relation to Your policy and other products and services You maintain with Us and other companies within Our Group; and

b. Link or use information We receive from third parties about You.

14.9 It is important that You give Us accurate information.

14.10 We will check Your details with fraud prevention agencies, and if You give Us false or inaccurate information and We suspect fraud, We will record this.

14.11 We, the credit reference agencies and fraud prevention agencies will also use Your record for statistical analysis about credit and about insurance and fraud. Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for You and members of Your household.

14.12 You have a legal right to make certain requests in respect of the information that we hold about You:

a. If You would like details of those credit reference and fraud prevention agencies from whom We obtain and to whom We pass information about You please telephone Us on free phone 0800 015 6233;

b. If at any time You would like to stop Us from contacting You by post, telephone, fax, email or SMS (text) messaging, or giving Your details to others for these purposes then please send a written request to this effect to Data Protection Officer, MetLife, Davidson House, 2 Forbury Square, Reading, Berkshire, RG1 3EU.

c. If You would like to receive a copy of the information that We hold about You then please apply to Us in writing to Data Protection Officer, MetLife, Davidson House, 2 Forbury Square, Reading, Berkshire, RG1 3EU.

14.13 If Your policy is terminated for any reason We will hold Your information about You and Your policy for no longer than is absolutely necessary

15 DISABILITY DISCRIMINATION ACT

15.1 In accordance with the Disability Discrimination Act 1995 (or equivalent legislation) We are able to provide upon request a TextPhone facility, audio tapes, large print documentation and Braille documentation. Please contact Us if You require any of these services to be provided so that We can communicate in an appropriate manner.

16.0 COMPLAINTS PROCEDURE

16.1 It is always our intention to provide a first class standard of service.

16.2 If you have any cause to complain please contact the intermediary who arranged the policy for you or write to Customer Services Manager, MetLife Insurance Limited or MetLife Limited, Davidson House, 2 Forbury Square, Reading, Berkshire, RG1 3EU. Please give us full details of your policy to enable your enquiry to be dealt with quickly.

16.3 If you are not satisfied with the way in which a complaint has been handled, please write to the Managing Director at the above address.

16.4 Should you remain dissatisfied with the outcome of any internal enquiry, you have the right to refer your complaint to The Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

16.5 If you would like a copy of our complaints procedure please write to Customer Services Manager, MetLife Insurance Limited or MetLife Limited, Davidson House, 2 Forbury Square, Reading, Berkshire, RG1 3EU.

^ Calls may be recorded and/or monitored or training and quality purposes.