Wealth and Investment Management

Barclays Visa Infinite CardClient Terms and Conditions

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Contents Page

Section 1 3

Pre-Contract Credit Information (SECCI)

Section 2 6

Important Points about your Barclays Visa

Infinite Card

Section 3 7

Credit Agreement (Customer copy)

Section 4 14

AXA Travel Insurance summary

Section 5 19

AXA Travel Insurance - full benefit schedule

Section 6 48

Barclays Visa Infinite Concierge

Section 7 49

Airport Angel Airport Lounge Access

Section 8 54

Visa Infinite Private Travel Planner Service

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Section 1 PRE-CONTRACT CREDIT INFORMATION (Standard European Consumer Credit Information (SECCI))

1. Contact details

Creditor.Address.Telephone number(s).Web address.

Barclays Bank PLC (acting through its Jersey branch)13 Library Place, St Helier, Jersey, Channel Islands, JE4 8NE+44 (0)1624 684 275wwww.barclays.com/wealth

2. Key features of the credit product

The type of credit. Charge Card.

The total amount of credit.

This means the amount of credit to be provided under the proposed credit agreement or the credit limit.

We will tell you your specific credit limit when you receive your card. It will be based on our assessment of your circumstances.

How and when credit would be provided. Once you activate your card you can use it (or the card details) to make purchases and cash withdrawals.

The duration of the credit agreement. There is no fixed or minimum duration.

Repayments.

Your repayments will pay off what you owe in the following order.

You must pay your total outstanding balance in full each month by the due date shown on your statement.

If you do not pay the full outstanding balance by the payment due date, we will allocate any part payment we receive first to the Cash Balance (for cash withdrawals). and then to the Standard Balance (purchases and all other amounts added to your account apart from cash withdrawals).

The total amount you will have to pay.

This means the amount you have borrowed plus interest and other costs.

If you have a sterling card which you use to make a purchase of £1,200 in a given month the total amount payable would be £1,500, which includes the annual fee of £300.

3. Costs of the credit

The rates of interest which apply to the credit agreement.

No interest will be charged on your account.

Annual Percentage Rate of Charge (APR).

This is the total cost expressed as an annual percentage of the total amount of credit.

The APR is there to help you compare different offers.

32.2 per cent (variable) based on the assumptions set out above in relation to the total amount you will have to repay.

If you use your card for a cash withdrawal, the cash withdrawal charge would apply so the APR would be higher.

Related costs

You must have a separate account for recording both payment transactions and drawdowns.

You must maintain a current account with Barclays in the currency of your card.

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Any other costs deriving from the credit agreement.

• An annual fee of £300, €400 or USD 500 (depending on the currency of your main card);

• 2.75 per cent foreign currency fee on the value of transactions made in a currency other than the primary currency you have designated for your card; and

• 2.5 per cent (minimum £5, €5, $5) cash fee for all items charged to the Cash Balance on your account.

Conditions under which the above charges can be changed.

We may change or add to our charges for any reason as long as you are able to end the agreement without charge (or we agree that we will not make a charge that would otherwise apply). We will give you at least 30 days’ notice of any changes.

Costs in the case of late payments. If you do not pay your statement balance in full by the due date shown on your statement we will charge you for any losses we incur as a result of the late payment. If we do charge you for any losses we incur, we will give you no less than 14 days’ notice of the amount. We will then add this amount onto your next monthly statement and will deduct this on the payment due date.

Consequences of missing payments. If you miss a payment, we may use money in your other Barclays accounts to pay us, and your credit records may be affected so that you find it harder or more expensive to borrow again.

You may also face legal action to recover what you owe, although such action is rarely taken. If we take legal action, you may have to pay legal costs.

4. Other important legal aspects

Right of withdrawal. You have the right to withdraw from this agreement. Your right to withdraw starts on the day after you receive your card and ends after a further period of 14 days.

Early repayment. You have the right to repay the credit early at any time in full or partially.

Consultation with a Credit Reference Agency.

If we reject your application on the basis of a consultation of a credit reference agency, we will tell you so (and give you the details of the agency consulted) at the same time as telling you our decision.

Right to a draft credit agreement. You have the right to request a copy of the draft credit agreement free of charge, unless we no longer wish to proceed with your application at the time of your request.

The period of time during which the creditor is bound by the pre-contractual information.

This information is valid for 30 days from the date that you receive this notice.

5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor

Registration number. The Financial Services Register Number 122702 in the United Kingdom.

The supervisory authority. The Financial Conduct Authority in the United Kingdom supervises our obligations under this agreement. The Jersey Financial Services Commission supervises the activities of the Jersey branch.

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(b) concerning the credit agreement

Right to cancel the credit agreement. You have the right to withdraw from this agreement. Your right to withdraw starts on the day after you receive your card and ends after a further period of 14 days. To exercise your right of withdrawal you should write to us at Wealth Card Team, Account Management, 3rd Floor, Aurora Building, 120 Bothwell Street, Glasgow, G2 7JS, United Kingdom. Once you have contacted us to withdraw, you must pay back anything you have spent on your card within 30 days.

The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement.

English law, unless your address is in Scotland or Northern Ireland when you enter into the agreement, in which case it will be, respectively, Scots law or Northern Irish law.

The law applicable to the credit agreement and/or the competent court.

The agreement is governed by English law and subject to the non-exclusive jurisdiction of the courts of England and Wales (unless your address is in Scotland or Northern Ireland when you enter into the agreement, in which case it will be, respectively, the law and courts of Scotland or the law and courts of Northern Ireland).

Language to be used in connection with the credit agreement.

We will only communicate with you in English.

(c) concerning redress

Access to out-of-court complaint and redress mechanism.

If you have a complaint, please contact your relationship manager. Alternatively, you can contact Barclays Wealth and Investment Management, Global Client Relations, 1 Churchill Place, London, E14 5HP or Tel: +44 (0)20 7487 2000. If it is still not resolved you may be able to refer it to the Financial Ombudsman Service, by writing to them at Exchange Tower, London E14 9SR, calling 0207 964 1000 or emailing complaint.info@financial-ombudsman.org.uk.

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Section 2

Important Points about your Barclays Visa Infinite Card We have set out below some important information about the Barclays Visa Infinite Card. Please read it carefully to ensure you understand how the card works and whether it is suitable for you. You should also consider the Pre-contract Credit Information, which is yours to keep. If you have any questions, please contact your relationship manager, or contact us on +44 (0)20 7108 6217.

• The Barclays Visa Infinite Card is a charge card which means that you must pay the outstanding balance in full as shown on your monthly statement. It is not suitable for long term borrowing. You must have a current account with us in the same currency as your card and we will deduct the amount you owe us from that account using a continuous payment authority.

What is a Continuous Payment Authority (CPA)?A CPA is a form of regular payment, which is different from standing orders and Direct Debits as it does not provide you with the same level of protection. Under the terms of this agreement, you will supply us with your Barclays Wealth account details and authorise us to set up a CPA on your Barclays Wealth account. On an ongoing monthly basis, if there is a balance due on your Barclays Visa Infinite Card, we will deduct a variable amount from your Barclays Wealth account. The amount deducted from your Barclays Wealth account will vary depending on the outstanding balance owed on your Barclays Visa Infinite Card.

We will continue to take payments until your agreement ends or you cancel the CPA. Before cancelling the CPA, you will need to speak to us as we will be unable to offer the Barclays Visa Infinite Card without a CPA in place. If you cancel the CPA without speaking to us, and you have an outstanding balance remaining on your Barclays Visa Infinite Card, you may be charged for any losses we incur as a result of the late payment.

• You can use the Barclays Visa Infinite Card up to the credit limit we set. We can vary this limit from time to time but we will not increase your limit, or offer to increase your limit, if you have advised us that you do not wish to have any credit limit increases.

• No interest is charged but you will be charged an annual fee of £300, €400 or $500 (depending on the currency of your main card) which will be debited to your main card account on the date that your account is opened and on each anniversary of that date. In addition you will also need to pay fees for the following transactions:

– If you use your Barclays Visa Infinite Card to withdraw cash, you will have to pay a cash fee of 2.5 per cent (minimum £5, €5 or $5).

– There is a 2.75 per cent foreign currency fee for transactions made in a currency other than the currency you have designated for your card.

• It is important to make your payments on time. Missing a payment means: – if you have any other Barclays accounts we may use money from those to pay us; – your credit records may be affected, which could make it harder or more expensive to borrow again; and – in exceptional circumstances we might have to take legal action against you.

• You can change your mind. After you have signed your agreement, you have up to 14 days (starting the day after you receive your card) to cancel it. You will still have to repay anything you have already spent on your card within 30 days.

• The following benefits and services are provided with the Barclays Visa Infinite Card: – Travel Insurance; – Concierge; – Travel Planning; and – Airport lounge access.

Please check carefully that the benefits and services meet your needs. Consider whether you may already have similar benefits as part of other packages or on a standalone basis.

See Condition 3 of the Barclays Visa Infinite Card Terms and Conditions and the included Terms and Conditions for more information.

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Section 3Terms and Conditions Customer Copy

Credit Agreement regulated by the Consumer Credit Act 1974

These are the Terms and Conditions of an agreement between us Barclays Bank PLC (acting through its Jersey branch) at 13 Library Place, St Helier, Jersey, JE4 8NE and you, the person named as the Principal Cardholder in the Application Form at the address shown in the Application Form (or any subsequent address that you may notify us of).

Type of credit Charge Card

Credit limit We will tell you your credit limit after we have approved your application. We may change your limit depending on our assessment of your account and will tell you about these changes by writing to you, but we will not increase, or offer to increase, your card limit if you have advised us that you do not wish to have any credit limit increases.

Monthly repayments You must pay your statement balance in full each month by the due date shown on your statement. This will normally be seven days after your statement date. We will collect your payment by a continuous payment authority (see Condition 4). We will allocate any payments we receive that are insufficient to settle the entire balance first to the Standard Balance and then to the Cash Balance, as described in Condition 1. We will not amend the terms of your continuous payment authority without first speaking to you and fully explaining the reason.

What is a Continuous Payment Authority (CPA)? A CPA is a form of regular payment, which is different from standing orders and Direct Debits as it does not provide you with the same level of protection. Under the terms of this agreement, you will supply us with your Barclays Wealth account details and authorise us to set up a CPA on your Barclays Wealth account. On an ongoing monthly basis, if there is a balance due on your Barclays Visa Infinite Card, we will deduct a variable amount from your Barclays Wealth account. The amount deducted from your Barclays Wealth account will vary depending on the outstanding balance owed on your Barclays Visa Infinite Card.

We will continue to take payments until your agreement ends or you cancel the CPA. Before cancelling the CPA, you will need to speak to us as we will be unable to offer the Barclays Visa Infinite Card without a CPA in place. If you cancel the CPA without speaking to us, and you have an outstanding balance remaining on your Barclays Visa Infinite Card, you may be charged for any losses we incur as a result of the late payment.

Interest rate (fixed) No interest will be charged on your account.

Annual Fee A fee of £300, €400 or $500 (depending on the currency of your main card) will be deducted from your current account on the date that your account is opened and on each anniversary of that date.

Foreign usage charges A 2.75 per cent currency exchange fee is charged on the value of transactions made in a currency other than the primary currency you have designated for your card. See Condition 2.7 for more details.

Cash withdrawal charges For cash withdrawals we charge a cash fee of 2.5 per cent (minimum £5, €5, $5).

Other charges We will charge for any losses we incur as a result of any breach by you of this agreement.

Total amount payable and APR If you have a sterling card, which you use to make a purchase of £1,200, the total amount payable would be £1,500, including the annual fee of £300, and the APR would be 32.2 per cent APR (variable). This assumes that the purchase is made in your nominated currency. If you make the purchase in a different currency, the amount payable would be subject to the foreign usage charges (as detailed above), so the total amount payable and APR would be higher. If you use your card for a cash withdrawal, the cash withdrawal charge would apply so the total amount payable and APR would be higher.

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Provision of Travel Insurance The card comes with a number of benefits and services including a travel insurance policy provided by AXA (see Condition 3 and the included Terms and Conditions for more information).

Missing payments If you miss your monthly payments or you do not pay the full outstanding amount, you will have to pay any losses we incur (see above), we may use money in your other Barclays accounts to pay us, and your credit records may be affected so that you find it harder to borrow again from us or another lender. Legal action may also be taken to recover the money you owe, although we rarely need to take such action.

Your right of withdrawal You have a right to withdraw from this agreement, without giving a reason, by calling or writing to us. Your right to withdraw starts on the day after you receive your card and ends after a further period of 14 days. Once you have contacted us to withdraw, you must pay back anything you have spent on your card within 30 days. No interest will be payable. See Condition 12 for our contact details and details of how to pay us.

1. Balances and payments

1.1 Amounts added to your account will be allocated to one of the following balances:

(a) Standard Balance: for purchases and all other amounts added to your account.

(b) Cash Balance: for cash withdrawals.

2. How can you use the Account and card?

2.1 Once you receive your card you can use it (or the card details) to make purchases and cash withdrawals, on the terms of this agreement.

2.2 If you, or any cardholder, want to make a payment using the card or card details, it will need to be authorised so that we can check that it is genuine. Transactions can be authorised by the use of the following items: – a physical device, such as your card; or – a set of procedures involving, for example, the use of a password, personal identifier(s), codes, Personal

Identification Number(s) (PINs) or biometric data; or – a physical device and a set of procedures (like your card used with your PIN or security code).

These are personal to you and each cardholder.

2.3 You can ask us to issue an additional card and PIN to any person you nominate as long as they are eligible for a card.

2.4 You are responsible for the use of your account by each cardholder, even if they do something which makes you break this agreement. You must ensure that each cardholder uses the card according to the terms of this agreement.

2.5 If you want to cancel any additional card, you are responsible for returning the card to us and for notifying us of your intention to cancel that additional card.

2.6 Your card will not be active when first received. Please ring the number provided with the card to activate or call your relationship manager who will activate the card on your behalf. You will be liable for all amounts owed to us under this agreement.

2.7 If you, or any cardholder, use the card for a transaction in a currency other than the card’s designated primary currency, the transaction will be converted to the card’s designated primary currency on the day that the retailer processes the transaction. Please note that this may be some days after the date of your transaction. The currency conversion will be made at the VISA currency rate at the time the retailer processes the transaction. A 2.75 per cent foreign currency fee will be added to your account and this will be calculated on the amount of the transaction after the conversion. The reference currency rates are available on the VISA website (www.visaeurope.com/en/cardholders/exchange_rates.aspx), from your Private Banker or by calling the Barclays Service Team on (+44) 020 7108 6217. For cash withdrawals, a cash fee of 2.5 per cent (minimum £5, €5, $5) will be charged.

2.8 You will only be able to withdraw cash using the card up to a maximum of five (5) times on any given day. In addition to this we will tell you if there are any other spending limits on your card, for example, any restriction on the amount of cash you are able to withdraw during a day or the number of other transactions you can make.

2.9 The card may not be used for any illegal purpose.

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2.10 Cards belong to us. We may stop or suspend the use of the card and the account and ask you to return the card (or ask others to hold onto the card for us), if we reasonably consider it necessary for reasons relating to the security of the card or account, or if we reasonably suspect the use of the card (or account number) is unauthorised or fraudulent, or we reasonably believe there is a significantly increased risk that you will not be able to repay us any amount you owe us under this agreement. If we intend to stop or suspend the use of the card or the account, unless the law prevents us from doing so or we believe that it would undermine our security measures, we will try to contact you, by telephone or in writing in advance. If we cannot tell you in advance we will tell you as soon as possible afterwards. This agreement will continue even if we do any of these things and we will not be responsible or incur liability for any loss or damage you may suffer as a result.

2.11 We may send you another card, including one with a different payment scheme logo, in the future as a replacement for your existing card, provided that the terms that apply to that card will be the same or better than your existing card. We will tell you about any changes to the terms under Condition 9.

2.12 You should not run your account in credit. If there is a credit balance we will return it to you.

3. Additional benefits provided with the card

3.1 Your card comes with the following benefits and services, which we have arranged to be provided to you by third parties:

• airport lounge access provided by Airport Angel;• travel insurance provided by AXA;• travel planning services provided by WhiteConcierge (Visa Infinite Private Travel Planner); and• concierge services provided by WhiteConcierge.

3.2 Your annual fee is for the provision of the card and these additional benefits and services. No part of the fee is attributable to any particular benefit or service. If you choose not to use a benefit or service, or are not eligible for a benefit or service, you will not be entitled to a refund of, or reduction in, your annual fee.

3.3 Each of the additional benefits and services provided by a third party is governed by separate Terms and Conditions between you and the relevant third party provider. Either a summary of the product or service or the relevant Terms and Conditions that form the contract between you and the relevant third party provider for the provision of the product or service are set out in Sections 6, 7, 8 and 9 of this document. Any liability, complaints and/or disputes arising in respect of the additional benefits and services should be handled and resolved between you and the relevant third party provider. You should however notify us of any complaints and/or disputes that you have with third party providers as soon as reasonably practicable.

3.4 We may from time to time change and/or replace and/or remove any of the additional products or services, or replace the third party providers who provide the services, provided that the overall package of products or services consists of products of equivalent or greater value. We will give you at least 30 days’ notice of any such changes.

3.5 You give us and them your consent to liaise with, provide personal data to and receive personal data from, the third party providers, including any replacement third party providers, in order to provide you with the benefits and services.

3.6 It is important that you ensure that all statements you make on the claim forms and any other documents you are required to complete are full and accurate. If you fail to disclose any information to the relevant third party provider, this could invalidate the insurance product and mean that part or all of your claim may not be paid.

4. When will we collect payments from you?

4.1 You must maintain a current account with Barclays in the currency of your card from which we will take payments (your “Current Account”). We will deduct the statement balance from that account not less than 7 and no more than 20 days after the postal date of your monthly statement. You must ensure that your account has sufficient funds to meet your payment obligations under this agreement.

5. What is a Continuous Payment Authority (CPA)?

5.1 A CPA is a form of regular payment, which is different from standing orders and Direct Debits as it does not provide you with the same level of protection. Under the terms of this agreement, you will supply us with your the details of your Current Account and authorise us to set up a CPA on your Current Account. On an ongoing monthly basis, if there is a balance due on your Barclays Visa Infinite Card, we will deduct a variable amount from your Current Account. The amount deducted from your Current Account will vary depending on the outstanding balance owed on your Barclays Visa Infinite Card.

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5.2 We will continue to take payments until your agreement ends or you cancel the CPA. If you cancel the CPA, you will need to speak to us so that we can discuss how we will take payment for any outstanding balance on your Barclays Visa Infinite Card. If you cancel the CPA without speaking to us, and you have an outstanding balance remaining on your Barclays Visa Infinite Card, you may be charged for any losses we incur as a result of the late payment. If you cancel the CPA, we will be unable to offer you the card service, and will write to you to give you notice that we intend to withdraw the service.

5.3 We will also debit your card with an Annual Fee of £300, €400 or $500 (depending on the designated currency of your card) when we issue your card. This amount will be deducted from your Current Account together with any outstanding balance for the first month’s statement. We will debit the Annual Fee to your card in each subsequent year on (or near) the anniversary of that date each year and deduct it from your Current Account with the outstanding balance due in that month.

5.4 We may debit any amounts you owe us under this agreement from your Current Account or any other account you maintain with us or another branch or company in the Barclays Group in any currency.

5.5 In addition to your obligation to repay us in full each month, you have a right to repay us, in full or in part, at any time. See Condition 12 for our contact details and details of how to pay us.

6. How can you keep track of your spending?

6.1 We will send you a monthly statement by post showing your payments and all the amounts we have put on your account since your last statement. You must tell us within 90 days of receiving your statement if it includes something you think is wrong.

6.2 If, for some reason, we cannot produce or send a statement, we will use your normal monthly statement date to work out when your next payment date will be.

7. What must you do to protect your card and details?

7.1 You and each cardholder must:

(a) keep the card (including the card details) safe and not allow anyone else to use them; and

(b) learn your PIN and other security information and keep them secret at all times, never write the PIN on the card or on anything usually kept with it or write down or record the PIN or other security information without first disguising it and destroy the letter with your PIN straightaway.

7.2 You and each cardholder must use the card in accordance with these conditions and must only reveal the card number to make a transaction, to report the loss or theft of the card or if we allow you to do so.

8. What happens if your card, card details and PIN are lost or stolen?

8.1 You must tell us as soon as possible using the contact details in Condition 12.1 if your card is lost or stolen, if you think that it may be misused or that someone else may know the PIN. If you later find it you must cut it in half and return it to us.

8.2 You must give us all the information you have about the loss, theft or misuse. We may give the police any information that we think will be useful.

8.3 You will not be responsible for any transactions if the card is lost or stolen or misused before you receive it, but you must tell us as soon as you become aware. You will not be liable for any transactions where you or a cardholder has not given permission for someone else to use the card unless we can prove that you were fraudulent. You will not be liable for any transactions made after you tell us that your card has been lost or stolen, or you think that it may have been misused or someone else knows your PIN.

8.4 You will not be responsible for unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder.

9. What about refunds and claims against us?

9.1 Once you have authorised a payment from your account, we cannot change or cancel it. You can withdraw your authorisation for transactions for a future date (including recurring transactions) by contacting the retailer, or us, before 5.30 pm on the weekday (excluding bank holidays) before the payment is taken. Recurring transactions are initiated by the retailer so we recommend that you contact the retailer as we may not be able to stop these transactions. We will refund any transactions that have been processed after you have withdrawn your authorisation together with any charges or interest.

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9.2 Where you make a purchase we will refund you if:

(a) you did not agree a specific amount with the retailer when you made the purchase;

(b) the amount of the transaction charged to your account by the retailer is more than you could reasonably have expected in the circumstances of the purchase; and

(c) you ask us for a refund within eight weeks of us debiting the transaction to your account.

If you ask us for a refund under this condition you must provide us with information to help us to check you are entitled to a refund under this condition.

9.3 You cannot use a claim you may have against someone else to make a claim against us, or refuse to pay us, unless you have a legal right to do so. You cannot transfer any rights against us to anyone else.

10. Could the terms of this agreement change?

10.1 We may change your credit limit from time to time depending on our assessment of your account and will tell you about these changes by writing to you. We will give you 7 days’ notice when we change the credit limit, except where it is not practicable to do so (in which case we will notify you immediately afterwards). We will not reduce your credit limit below an amount equal to your balance plus any transactions that have been authorised but not yet charged to your account at the time we decide to make the change.

10.2 Depending on your credit limit and our assessment of your account, we may require you to maintain a certain balance in your nominated current account until all amounts you owe us under this agreement have been paid. We may require this minimum balance to exceed your credit limit.

10.3 We may also change any of the terms of this agreement for any of the following reasons:

(a) where we reasonably consider that:

(i) the change would make the terms easier to understand or fairer to you; or where.

(ii) the change would not be to your disadvantage.

(b) to make reasonable changes to the way we look after your accounts as a result of changes in:

(i) the banking or financial system;

(ii) technology;

(iii) the systems we use to run our banking business;

(iv) as a result of a regulatory requirement (or where we reasonably expect that there will be a change in a regulatory requirement); or

(v) a decision made by the Financial Ombudsman Service.

10.4 As long as you are able to end the agreement without charge (or we agree that we will not make a charge that would otherwise apply), we may change any of the terms of this agreement (including our charges) for any reason not listed above. If you choose to end this agreement because of a change under this Condition 9.4 which is to your disadvantage, and tell us no later than 30 days after the change has taken effect, we will refund any annual fee you have paid in proportion to the period it covers after termination.

10.5 The exchange rate used to convert foreign currency payments into or out of your account will be the reference exchange rate that we have told you will apply in Condition 2.7. We may apply changes to the reference exchange rate immediately and without notice.

10.6 We may introduce a charge for any service provided under or in connection with this agreement.

10.7 We will tell you about any changes by putting messages in your monthly statement or sending you a separate written notice. Changes will happen at least 30 days after we tell you about them, except where they would not be to your disadvantage.

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11. How can this agreement be ended?

11.1 This agreement has no fixed duration: it will continue until you or we choose to close your account. Either of us can end the agreement by giving written notice to the other. Unless there are exceptional circumstances, we will give you two months’ notice before we end this agreement. You must return all cards to us and cancel any instructions you have given to others to charge transactions to your account. You must make all payments due and this agreement will continue until all amounts you owe have been paid including amounts added to your account after the notice to end the agreement.

11.2 We may require you or your estate to repay immediately all amounts you owe us under this agreement if you break this agreement regularly or seriously, die or become bankrupt or are likely to become bankrupt, or if any step, application or proceeding is taken by you for a voluntary arrangement or composition or reconstruction of your debts, including any step, application or proceeding in any jurisdiction outside England and Wales which has a substantially similar effect to any of the foregoing, but we will follow any legal requirements before we do so.

11.3 On termination of this card agreement, your eligibility for the benefits and services referred to in Condition 3 will also automatically terminate.

12. General

12.1 We will not be liable to you for failures:

(a) caused by any machine failing to work and industrial disputes or other events if the failures are due to abnormal or unforeseeable circumstances we cannot reasonably control the consequences of which would have been unavoidable even if we had taken any action to prevent them; or

(b) resulting from us complying with a requirement under UK or European Community law or the laws of any other applicable jurisdiction.

12.2 You must tell us as soon as possible if you change your address or you change your name. You must provide us with such evidence as we reasonably consider necessary prior to agreeing to amend our records and/or the card to reflect that change of name.

12.3 We may transfer to any other person any or all of our rights and duties under this agreement at any time (including, without limitation, our duty to lend to you). We may do this without telling you. Your rights under this agreement and your legal rights (including those under the Consumer Credit Act 1974) will not be affected.

12.4 There may be other taxes or costs, which are not paid through us or charged by us, that you have to pay in connection with this agreement. You must obtain independent tax advice to ensure that the way you use the card and how this agreement operates does not have any negative tax impact for you. Any stamp duties and government levies payable by us in respect of the card or your account shall be charged to your account and will be collected by us by debit of the account. Should you close your account before the date of collection of any such stamp duty or levy in respect of which the liability has arisen the amount will be debited at closure and be payable by you.

12.5 The terms of this agreement and our dealings with you with a view to entering into this agreement are governed by the law of England and Wales and are subject to the non-exclusive jurisdiction of the courts of England and Wales (unless your address is in Scotland or Northern Ireland when you enter this Agreement, in which case it will be, respectively, the law and courts of Scotland or the law and courts of Northern Ireland). We will only communicate with you in English.

12.6 For the avoidance of doubt, this Agreement does not incorporate any other terms (including the Barclays Terms (Wealth and Investment Management)).

13. How can you contact us?

13.1 You can write to us at Wealth Card Team, Account Management, 3rd Floor, Aurora Building, 120 Bothwell Street, Glasgow, G2 7JS, United Kingdom. If your card, card details or PIN are lost or stolen, you must report all losses, thefts or misuse to relationship manager or call us on +44 (0)20 7108 6217. If you have any questions relating to your account including any difficulty with your payments, or wish to withdraw from the agreement, please call your relationship manager. If we ask, you must write to us within seven days to confirm your call.

14. Complaints

14.1 If you have a complaint, your relationship manager will usually be best placed to receive your complaint and work with you to resolve it. Alternatively, you can write to: Barclays Wealth and Investment Management, Global Client Relations, 1 Churchill Place, London, E14 5HP or Tel: +44 (0)20 7487 2000. (Calls may be recorded for training, quality and customer care purposes).

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14.2 If we are unable to resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service in writing at Exchange Tower, London E14 9SR, by calling 0207 964 1000 or by emailing complaint.info@financial-ombudsman.org.uk.

14.3 The Financial Conduct Authority, whose address is 25 The North Colonnade, Canary Wharf, London, E14 5HS is the regulating authority of consumer credit agreements in the United Kingdom.

About us

Barclays Wealth and Investment Management is a division of Barclays Bank PLC. Barclays Bank PLC is registered in England (Number: 1026167, Registered Office: 1 Churchill Place, London E14 5HP) and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 122702. For more information please see our website www.barclays.com/wealth.

Responsible lending

As a responsible lender, we only want you to borrow what you can afford, and in a way that is best for you. When considering your application, your financial circumstances will be assessed before we make a decision to lend money.

And remember, if you should run into any financial difficulties, then please contact us as soon as you become aware of them.

Your responsibilities

Before you apply, always consider carefully what you can afford to repay. Remember that your ability to repay may be affected by other financial commitments, employment prospects and changes to your income. It is important that, at the time of application, you make us fully aware of any personal circumstances that may impact on your ability to repay any lending you are applying for.

Your personal information

This is a summary of how we use your personal information. Full details are available on our website barclays.com/wealth/terms or in hardcopy from our head office (Client Services, Barclays, 1 Churchill Place,London, E14 5HP).

1. In order to provide you with products and services, we need to collect, use, share and store personal and financial information about you, which includes personal data we obtain from you or from third parties, including credit reference and fraud prevention agencies.

2. We and other companies in the Barclays Group will use your information, including any sensitive personal data we hold about you, for the purposes set out in any privacy notice applying at the time your information is collected. We may disclose your personal data to Barclays Group companies and third parties, located anywhere in the world, for the reasons, and in accordance with the procedures, set out on our website.

3. Where you provide information about others (such as additional cardholders), you confirm that you have their consent or are otherwise entitled to provide this information to us and for it to be used by us.

4. We give your information to and receive information from credit reference agencies and fraud prevention agencies. We and other organisations may access and use this information to prevent and detect fraud, money laundering and other crimes and to make credit assessments.

5. Credit reference agencies keep a record of our enquiries and may record, use and give out information we give them to other lenders, insurers and other organisations. If false or inaccurate information is provided or fraud is suspected, details may be passed to fraud prevention and credit reference agencies. Law enforcement agencies may access and use this information. The information recorded by fraud prevention agencies may be accessed and used by organisations in a number of countries, including the jurisdiction in which we provide services to you, the UK and in other countries. Please contact us if you want to receive details of the relevant fraud prevention agencies.

6. Credit reference agencies may link your information with other people with whom a financial “association” has been created. This will happen if you make a joint application, tell us that you have a financial association or if the credit reference agency has existing links between you. This “association” will be taken into account in all future applications by either or both of you and will continue until one of you applies to the credit reference agencies and is successful in filing a “disassociation”.

You can ask for a copy of your information we hold about you by writing to us. A fee may be charged for this service, as permitted by appropriate law or regulation.

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Section 4 AXA Travel Insurance Summary

This document only contains a summary of the main features of your benefits and a summary of the main exclusions and limitations. It does not contain the full details and conditions of the benefits – these are located in the Benefit Schedule. You should review this cover periodically to ensure that it meets your needs.

Insurer

Benefits under this Policy are underwritten by Inter Partner Assistance S.A., Avenue Louise 166 bte 1, 1050 Brussels, RCB/HRB 394025, a Belgian insurance company authorised by the Financial Services and Markets Authority under registration number 0487, through its branch in Ireland at 10/11 Mary Street, Dublin 1, Ireland, Irish Companies Registration Office Nr. 906006.

Inter Partner Assistance is subject to limited regulation by the Financial Conduct Authority (FCA) in the United Kingdom. Details about the extent of the authorisation and regulation by the FCA are available from Inter Partner Assistance on request.

Claims will be handled by AXA Travel Insurance, 10/11 Mary Street, Dublin 1, Ireland, Irish Companies Registration Office Nr. 426087, an insurance intermediary authorised by the Central Bank of Ireland under Nr. C47421, on behalf of (1) Inter Partner Assistance S.A Inter Partner Assistance S.A. and AXA Travel Insurance are members of the AXA Assistance Group.

Type of benefits and cover

Travel cover for trips of up to 30 consecutive days made by you worldwide. Trips must begin and end in a country of residence. Any trip solely within the country of residence is only covered where you have pre – booked at least two nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. Cover for Benefits in Section H – Emergency Medical and Other Expenses Abroad, Section I – Hospital Benefit, Section L – Personal Liability, Section N – Overseas Legal Expenses, and Section U – ATM Theft are excluded in the country of residence.

The holder of a Barclays Visa Infinite Card is covered while travelling on a trip. Cover will also extend to his/her the spouse or legal partner of the Card Holder, their children, step children or foster children aged under 19, or age 19 to 21 if in full time education.

Beneficiaries are covered for benefits when travelling independently of one another.

Conditions

Pre- existing medical conditions are not covered under this policy.

The maximum age limit for medical benefits in Section H – Emergency Medical and Other Expenses Abroad and Section I – Hospital Benefit and benefits related to a medical condition in Section C – Cancellation or Curtailment Charges is 79 years inclusive. If you reach the age of 80 during the period of cover, cover under those sections will continue until the end of that period of cover but not thereafter.

Special conditions apply to each section of your policy – please refer to the Benefit Schedule for full details.

You do not have to pay for your trip with your Barclays Visa Infinite Card but you must charge the eligible item in Section V – Purchase Protection and the green fees in Section S3 – Hole in One Benefit, in full to your Barclays Visa Infinite Card in order to claim the benefits.

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Significant Features and Benefits

The table shows the maximum benefits you can claim for each insured person under each section (unless otherwise stated).

BENEFIT TABLE Limits

Section A – Travel Advice

Travel Advice Included

Section B – Travel Assistance

Medical Assistance Included

Legal Assistance Included

Cash Advance Included

Lost or Stolen Document Assistance Included

Interpreter Included

Message Relay Included

Lost Luggage Assistance Included

Section C – Cancellation or Curtailment Charges

Cancellation or Curtailment or Abandonment

€ 10,000

Section D – Missed Departure/ Missed Connection

Missed Departure/ Missed Connection € 2,500

Section E – Delayed Departure/Abandonment

Delayed Departure, maximum €500

- per 4 hour period € 75

Section F – Baggage Delay and Extended Baggage Delay

Baggage Delay, after 6 hours € 375

Extended Baggage Delay, after 48 hours € 375

Section G – Involuntary Denial of Boarding

Involuntary Denial of Boarding € 100

Extended Denial of Boarding € 500

Section H – Emergency Medical and Other Expenses

Medical Expenses and Repatriation Expenses

€ 10,000,000

Emergency Dental Pain Relief € 1,000

Transportation to Hospital if not free Included

Close Relative to travel out if hospitalised€ 200 per day, max. 10 days + Economy Flight

Extended Stay of Beneficiary/Companion€ 200 per day, max. 10 days

Return Home of Children€ 200 per day, max. 3 days + Economy Flight

Convalescence, maximum € 1,000

– per day € 100

Funeral Expenses € 2,500

Section I – Hospital Benefit

Hospital Benefit, maximum € 500

– per day € 50

Section J – Home Emergency Service

Home Emergency Service € 500

Section K – Baggage and Passport

Baggage, maximum € 5,000

– Single Article Limit € 500

– Valuables Limit in Total € 750

– Personal Money € 500

– Cash Limit € 250

– Cash Limit under 16’s € 100

Lost or Stolen Passport € 1,000

Cruise Baggage, maximum € 10,000

– Single Article Limit € 750

– Valuables Limit in Total € 1,000

Section L – Travel Accident

Travel Accident, maximum € 1,000,000

– Loss of Limbs or Sight (Aged < 66) € 1,000,000

– Permanent Total Disablement (< 66) € 1,000,000

– Death Benefit (Aged 18 to 65) € 300,000

– Death Benefit (Under 18 or 65 yrs+) € 160,000

– All Benefits (66 yrs+) € 160,000

Section M – Personal Liability

Personal Liability € 5,000,000

Section N – Overseas Legal Expenses and Assistance

Overseas Legal Expenses € 50,000

Section O – Catastrophe Benefit

Catastrophe € 2,500

Section P – Hijack Benefit

Hijack, maximum (per day)€ 5,000 (€ 1,000)

Section Q – Business Benefit

Business Equipment (maximum) € 10,000

– Single Item Limit € 1,000

– Computer Equipment Single Item Limit € 2,000

– Samples Limit € 1,000

Business Colleague Replacement Economy Flight

Section R1 – Ski Equipment and Ski Equipment Hire

Ski Equipment, maximum € 2,500

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– Owned € 2,500

– Hired € 750

– Single Article Limit € 500

Ski Hire, maximum € 500

– per day € 50

Section R2 – Ski Pack

Ski Pack, maximum € 500

– per day € 50

Section R3 – Piste Closure

Piste Closure, maximum € 500

– per day € 50

Section R4 – Avalanche Closure

Avalanche Closure, maximum € 500

– per day € 50

Section S1 – Golf Benefit

Golf Equipment € 5,000

– Single Article Limit € 400

Golf Liability € 1,500,000

Section S2 – Green Fees

Green Fees € 250

Section S3 – Hole in One Benefit

Hole in One Benefit € 250

Section T – Wedding Cover

Wedding Cover, maximum € 10,000

– Single Item Limit € 2,000

– Valuables Limit in Total € 1,000

– Wedding Video/ Photos € 1,000

Section U – ATM Theft/ Assault

ATM Theft/ Assault, maximum per year € 600

– Per Event € 300

Section V – Purchase Protection

– Limit per 365 day period € 7,500

– Limit per Incident € 1,500

– Single Article Limit € 750

– per Item Excess € 75

Significant or unusual exclusions or limitations

• There is a policy excess under Section V – Purchase Protection.• There is no cover for trips over 30 days.• The maximum age limit for medical benefits in Section H – Emergency Medical and Other Expenses Abroad and

Section I – Hospital Benefit and benefits related to a medical condition in Section C – Cancellation or Curtailment Charges is 79 years inclusive. If you reach the age of 80 during the period of cover, cover under those sections will continue until the end of that period of cover but not thereafter.

• Cover will cease when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire.

General Exclusions

• War risks, civil commotion, terrorism, (except under sections H, I and L unless caused by nuclear, chemical or biological attack), sonic bangs, radioactive contamination.

• There are a number of sports and activities that are excluded – please see 4 and 5 under General Exclusions and Sports and Activities in the Benefit Schedule.

• Willful, self-inflicted injury, solvent, drug or alcohol abuse.• Unlawful actions and any subsequent legal proceedings brought against you.• Travel to a country or specific area or event which the Foreign and Commonwealth Office or the World Health

Organisation has advised the public not to travel to.

Exclusions under Section C – Cancellation and/or Curtailment Charges

• Redundancy caused by misconduct, resignation, voluntary redundancy or where notification of redundancy was given prior to the inception of this policy.

• Any circumstances known prior to booking the trip that could reasonably be expected to give rise to a claim.

Exclusions under Section D – Delayed Departure

• Strike, industrial action or air traffic control delay publicly declared.

Exclusions under Section E – Missed Departure

• Strike or industrial action publicly declared.

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Exclusions under Section G – Involuntary Denial of Boarding

• Costs or charges for which the airline will compensate you, or where the denial of boarding was voluntary or not mandatory.

Exclusions under Section H – Emergency Medical and Other Expenses

• Treatment or surgery which in the opinion of the medical practitioner in attendance can wait until your return to the United Kingdom.

• Medication, which prior to departure is known to be required.• Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken.

Exclusions under Section I – Hospital Benefit

• Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken.

Exclusions under Section J – Baggage, Personal Money and Passport

• Valuables left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.• Baggage contained in an unattended motor vehicle between 9 p.m. and 8 a.m. or between 8 a.m. and 9 p.m. unless

it is in a locked boot or covered from view in a locked car, and evidence of entry into the vehicle by forcible and violent means is available.

• Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipment and other items are excluded – please refer to the Benefit Schedule for the full list.

• Business goods, samples or tools used in connection with your occupation.• Personal money or your passport or visa left unattended at any time unless in a hotel safe, safety deposit box or in

your locked accommodation.• Loss or theft of travellers’ cheques where you have not complied with the issuing agent’s conditions.

Exclusions under Section M – Personal Liability

• Pursuit of any trade, business or profession, or the ownership, possession or use of any vehicles, aircraft or mechanically operated watercraft.

Exclusions under Section Q – Business Travel

• Business equipment left unattended at any time unless deposited in a hotel safe, locked accommodation or in the locked boot or covered luggage area of a motor vehicle.

• Loss, theft or damage of films, tapes, cassettes, cartridges or discs other than the market value.• Any loss or damage arising from manual work.

Exclusions under Sections R – Winter Sports

• Ski equipment contained in or stolen from an unattended motor vehicle between 9 p.m. and 9 a.m. or between 9 a.m. and 9 p.m. unless it is in a locked boot or covered from view in a locked car, and evidence of entry into the vehicle by forcible and violent means is available.

Exclusions under Section S – Golf Cover

• Golf equipment contained in or stolen from an unattended motor vehicle between 9 p.m. and 8 a.m. or between 8 a.m. and 9 p.m. unless it is in a secured area, and evidence of entry into the vehicle by forcible and violent means is available – Please see the section Special Exclusions Applicable to Personal Belongings for a description of secure areas.

Please note that single article limits apply. A deduction for wear and tear and depreciation will be made.

Exclusions under Section T – Wedding Cover

• Valuables left unattended unless deposited in a hotel safe or safety deposit box.• Baggage contained in an unattended motor vehicle between 9 p.m. and 8 a.m. or between 8 a.m. and 9 p.m. unless

it is in the locked boot or covered from view in a locked car.• Musical Instruments and other items are excluded – see your Benefit Schedule for the full list.

Exclusions under Section U – ATM Theft/Assault

• Cash withdrawn before 1 hour of the robbery and/or not withdrawn using the Barclays Visa Infinite Card.

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Exclusions under Section V – Purchase Protection

• Items that are not purchased with the Barclays Visa Infinite Card.• Loss connected to mysterious disappearance of items.

Cancellation

This Benefit Schedule will remain in force while you have your Barclays Visa Infinite Card, and will automatically be cancelled when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire. Barclays Bank PLC will give you notice if it is cancelled or expires without renewal on equivalent terms. You may cancel these Benefits by cancelling your Barclays Visa Infinite Card in accordance with the Terms and Conditions of your Barclays Visa Infinite Card.

Claim notification

Please read the appropriate section in the Benefit Schedule to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions.

In the event of an emergency you should first call AXA Assistance on telephone +44 (0) 203 282 7774 (any minor illness or injury costs must be paid for by you and reclaimed).

For all other claims telephone our Claims Helpline on +44 (0) 203 282 7774 (Monday – Friday 9:00 – 17:00) to obtain a claim form. You will need to give:

– your name, – your covered card number, – brief details of your claim.

We ask that you notify us within 28 days of you becoming aware of an incident or loss leading to a claim and you return your completed claim form and any additional information to us as soon as possible. You should always keep copies of all the documents that you send to us.

Complaints Procedure

We make every effort to provide you with the highest standards of service. If on any occasion our service falls below the standard you would expect us to meet, the procedure below explains what you should do.

You can write to the Quality Manager, who will arrange an investigation on behalf of the General Manager, at: AXA Travel Insurance, Head of Customer Care, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom.

Or you may use e-mail:

customer.support@axa-travel-insurance.com

or telephone +44 (0) 203 282 7774.

If it is impossible to reach an agreement, you may have the right to make an appeal to the Financial Ombudsman Service by writing to:

Financial Ombudsman Service Exchange Tower, London E14 9SR, United Kingdom

Or you can phone 0845 080 1800

These procedures do not affect your right to take legal action.

Financial Services Compensation Scheme (FSCS)

In the unlikely event that Inter Partner Assistance is unable to meet its obligations, you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about compensation scheme arrangements is available from the FSCS. Their contact details are Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN, United Kingdom. Telephone 020 7892 7300, Fax 020 7892 7301. Website: www.fscs.org.uk.

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Section 5AXA Travel Insurance - full benefit schedule

BENEFIT TABLE

Section A – Travel Advice

Travel Advice Included

Section B – Travel Assistance

Medical Assistance Included

Legal Assistance Included

Cash Advance Included

Lost or Stolen Document Assistance Included

Interpreter Included

Message Relay Included

Lost Baggage Assistance Included

Section C – Cancellation or Curtailment Charges

Cancellation or Curtailment or Abandonment

€ 10,000

Section D – Missed Departure/ Missed Connection

Missed Departure/ Missed Connection € 2,500

Section E – Delayed Departure/Abandonment

Delayed Departure, maximum € 500

- per 4 hour period € 75

Section F – Baggage Delay and Extended Baggage Delay

Baggage Delay, after 6 hours € 375

Extended Baggage Delay, after 48 hours € 375

Section G – Involuntary Denial of Boarding

Involuntary Denial of Boarding € 100

Extended Denial of Boarding € 500

Section H – Emergency Medical and Other Expenses

Medical Expenses and Repatriation Expenses

€ 10,000,000

Emergency Dental Pain Relief € 1,000

Transportation to Hospital if not free Included

Close Relative to travel out if hospitalised

€ 200 per day, max. 10 days + Economy Flight

Extended Stay of Beneficiary/Companion€ 200 per day, max. 10 days

Return Home of Children

€ 200 per day, max. 3 days + Economy Flight

Convalescence, maximum € 1,000

– per day € 100

Funeral Expenses € 2,500

Section I – Hospital Benefit

Hospital Benefit, maximum € 500

– per day € 50

Section J – Home Emergency Service

Home Emergency Service € 500

Section K – Baggage and Passport

Baggage, maximum € 5,000

– Single Article Limit € 500

– Valuables Limit in Total € 750

– Personal Money € 500

– Cash Limit € 250

– Cash Limit under 16’s € 100

Lost or Stolen Passport € 1,000

Cruise Baggage, maximum € 10,000

– Single Article Limit € 750

– Valuables Limit in Total € 1,000

Section L – Travel Accident

Travel Accident, maximum € 1,000,000

– Loss of Limbs or Sight (Aged < 66) € 1,000,000

– Permanent Total Disablement (< 66) € 1,000,000

– Death Benefit (Aged 18 to 65) € 300,000

– Death Benefit (Under 18 or 65 yrs+) € 160,000

– All Benefits (66 yrs+) € 160,000

Section M – Personal Liability

Personal Liability € 5,000,000

Section N – Overseas Legal Expenses and Assistance

Overseas Legal Expenses € 50,000

Section O – Catastrophe Benefit

Catastrophe € 2,500

Section P – Hijack Benefit

Hijack, maximum (per day)€ 5,000 (€ 1,000)

Section Q – Business Benefit

Business Equipment (maximum) € 10,000

– Single Item Limit € 1,000

– Computer Equipment Single Item Limit € 2,000

– Samples Limit € 1,000

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Business Colleague ReplacementEconomy Flight

Section R – Winter Sports

Ski Equipment, maximum € 2,500

– Owned € 2,500

– Hired € 750

– Single Article Limit € 500

Ski Hire, maximum € 500

– per day € 50

Ski Pack, maximum € 500

– per day € 50

Piste Closure, maximum € 500

– per day € 50

Avalanche Closure, maximum € 500

– per day € 50

Section S – Golf Benefit

Golf Equipment € 5,000

– Single Article Limit € 400

Golf Liability € 1,500,000

Green Fees € 250

Hole in One Benefit € 250

Section T – Wedding Cover

Wedding Cover, maximum € 10,000

– Single Item Limit € 2,000

– Valuables Limit in Total € 1,000

– Wedding Video/ Photos € 1,000

Section U – ATM Theft/Assault

ATM Theft/ Assault, maximum per year € 600

– Per Event € 300

Section V – Purchase Protection

– Limit per 365 day period € 7,500

– Limit per Incident € 1,500

– Single Article Limit € 750

– per Item Excess € 75

IMPORTANT NOTICE

1. Pre-existing medical conditions are not covered.

2. Please do not curtail any trip without contacting AXA Assistance on +44 (0) 203 282 7774.

3. In order to be eligible to receive benefits under this Benefit Schedule you must charge the green fees in Section S3 – Hole In One Benefit; and the eligible item in Section V – Purchase Protection; in full to your Visa Infinite Card.

4. All benefit amounts listed in the Benefit Table are per beneficiary per trip unless otherwise noted (excluding Section V – Purchase Protection).

5. The maximum age limit for medical benefits in Section H – Emergency Medical and Other Expenses Abroad and Section I – Hospital Benefit and benefits related to a medical condition in Section C – Cancellation or Curtailment Charges is 79 years inclusive. If you reach the age of 80 during the period of cover, cover under those sections will continue until the end of that period of cover but not thereafter.

INTRODUCTION

IMPORTANT INFORMATION

This travel insurance cover is included with your Barclays Visa Infinite Card (the Policy). Your Barclays Visa Infinite Card is issued by Barclays Bank plc (Jersey Branch).

This Policy wording sets out the full Terms and Conditions of the travel insurance cover provided to Barclays Visa Infinite Card customers. This document is your proof of cover. You should store this document in a safe place for future reference.

ELIGIBILITY

The benefits summarised in this document are dependent upon you being a valid Card Holder at the time of any incident giving rise to a claim. Barclays Bank plc (Jersey branc h) will give you notice if there are any material changes to the Policy or if it is cancelled or expires without renewal on equivalent terms.

This is your benefit guide. It contains details of benefits, conditions and exclusions relating to Card Holders and is the basis on which all claims will be settled.

THE LAW APPLICABLE TO THESE BENEFITS

These benefits will be governed by the laws of England and Wales unless we have specifically agreed otherwise.

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INSURER DETAILS

Where a Barclays Visa Infinite Card is issued to you in the United Kingdom, Jersey or Isle of Man, benefits under this Policy are underwritten by Inter Partner Assistance S.A., Avenue Louise 166 bte 1, 1050 Brussels, RCB/HRB 394025, a Belgian insurance company authorised by the Financial Services and Markets Authority under registration number 0487, through its branch in Ireland at 10/11 Mary Street, Dublin 1, Ireland, Irish Companies Registration Office Nr. 906006.

Claims will be handled by AXA Travel Insurance, 10/11 Mary Street, Dublin 1, Ireland, Irish Companies Registration Office Nr. 426087, an insurance intermediary authorised by the Central Bank of Ireland under Nr. C47421, on behalf of Inter Partner Assistance S.A in the United Kingdom, Jersey and Isle of Man.

Inter Partner Assistance S.A. and AXA Travel Insurance are members of the AXA Assistance Group.

VALIDITY OF BENEFITS

This document only constitutes a valid evidence of benefits when it is issued in conjunction with a valid Barclays Visa Infinite Card.

DURATION AND CANCELLATION

This Benefit Schedule will remain in force while you have your Barclays Visa Infinite Card, and will automatically be cancelled when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire. Barclays Bank plc (Jersey branch) will give you notice if this Policy is cancelled or expires without renewal on equivalent terms.

You may cancel this Policy by cancelling your Barclays Visa Infinite Card in accordance with the Terms and Conditions of your Barclays Visa Infinite Card.

CONTENTS

Important Notice 23Introduction 23Contents 24Definitions 25General Conditions 28Claims Conditions 28Emergency And Medical Service 29Reciprocal Health Agreements 29General Exclusions 30Sports And Activities 32Section A – Travel Advice 33Section B – Travel Assistance 33Section C – Cancellation Or Curtailment Charges 33Section D – Missed Departure/ Missed Connection 34Section E – Delayed Departure/ Abandonment 35Section F – Baggage Delay And Extended Baggage Delay 36Section G – Involuntary Denial Of Boarding 36Section H – Emergency Medical And Other Expenses 37Section I – Hospital Benefit 38Section J – Home Emergency Service 39Section K – Baggage, Personal Money And Passport 39Section L – Travel Accident 41Section M – Personal Liability 41Section N – Overseas Legal Expenses 42Section O – Catastrophe Benefit 43Section P – Hijack Benefit 44Section Q – Business Benefit 44Section R – Wintersports 44Section S – Golf Benefit 46Section T – Wedding Cover 46Section U – Atm Theft/ Assault 47Section V – Purchase Protection 47Complaints Procedure 49Use Of Your Personal Data 49

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DEFINITIONS

Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this Benefit Schedule. For ease of reading the definitions are highlighted by the use of bold print.

You/your/beneficiary (ies) – the Card Holder and his/her family. Beneficiaries are covered for benefits when travelling independently of

one another. For all sections of the Benefit Schedule other than Section S3 Hole In One Benefit and Section V Purchase Protection, the Card Holder and his/her family will be covered irrespective of use of the Barclays Visa Infinite Card.

We/us/our – the insurer of your policy as specified in the INSURER DETAILS section on page 24 and/or AXA Travel

Insurance on its behalf (see authorisation details in the INSURER DETAILS section on page 24).

AXA Assistance – the service provider, arranged by AXA Travel Insurance 10/11 Mary Street, Dublin 1, Ireland (company number

426087).

Adviser – specialist solicitors or their agents.

Adviser’s costs – reasonable fees and disbursements incurred by the adviser with our prior written authority. Legal and

accounting expenses shall be assessed on the standard basis and third party costs shall be covered if awarded against you and paid on the standard basis of assessment.

Baggage – luggage, clothing, personal effects, and other articles which belong to you and are worn, used or carried by you

during any trip.

Benefit Table – the table listing the benefit amounts on pages 22 and 23. All benefits are per beneficiary, per trip, except as

noted otherwise and excluding Section V Purchase Protection.

Bodily injury – an identifiable physical injury caused by a sudden, violent, external, unexpected specific event. Injury as a result

of your unavoidable exposure to the elements shall be deemed to be a bodily injury.

Business equipment – items used by you in support of your business activity including office equipment which is portable by design

including, but not restricted to, personal computers, telephones and calculators.

Business associate – any person whose absence from business for one or more complete days at the same time as your absence

prevents the proper continuation of that business.

Business trip – a trip taken wholly or in part for business purposes but excluding manual work.

Card Holder – the holder of a Visa Infinite Card, the card being valid and the account in good standing at the time of the

incident.

Close relative – mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law,

daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, legal ward, partner or fiancé/fiancée or Common-Law Partner (any couple, including same-sex, in a common law relationship or who have co-habited for at least 6 months).

Couple – the Card Holder and either their fiancé(e), spouse/partner who is normally resident at the same address.

Country of residence – the country in which you legally reside and the United Kingdom and the country in which your card is issued.

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Curtailment/curtail – cutting short your trip by returning home due to an emergency authorised by us or by attending a hospital

abroad for in excess of 48 hours as an in-patient and then being repatriated directly from the hospital to your country of residence.

Family – the spouse or legal partner of the Card Holder, their children, step children or foster children aged under 19,

or age 19 to 21 if in full time education.

Golf equipment – golf clubs, golf balls, golf bag, golf trolley, and golf shoes forming part of your baggage.

Hole-in-one – driving from the tee during a golf match and holing out in a single stroke.

Home – your normal place of residence in your country of residence.

Medical condition(s) – any medical or psychological disease, sickness, condition, illness or injury that has affected you or any close

relative, travelling companion or person with whom you intend to stay whilst on your trip.

Medical practitioner – a legally licensed member of the medical profession, recognised by the law of the country where treatment is

provided and who, in rendering such treatment is practising within the scope of his/her licence and training, and who is not related to you or any travelling companion.

Pair or set – items of personal belongings or valuables forming part of a set or which are normally used together.

Panel – our panel of advisers who may be appointed by us to act for you.

Period of cover – the 12 month period beginning with the start date of your Barclays Visa Infinite Card and each 12 month period

thereafter. Cover will end when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire.

Cover begins for any trip commencing on or after the start date of your Barclays Visa Infinite Card. The period of any trip may not exceed 30 consecutive days. The cover is limited to a total of 183 days outside of the country of residence in any 12 month period. Trips must begin and end in the country of residence.

Cover begins for eligible items in Section V Purchase Protection purchased with the Barclays Visa Infinite Card after the start date of your Barclays Visa Infinite Card.

Under Section C Cancellation cover begins from the time you book the trip and ceases upon commencement of your trip. For all other sections of the Benefit Schedule, the benefits commence when you leave your home or hotel, or your place of business (whichever is the later) to commence the trip and terminates at the time you return to your home, hotel or place of business (whichever is the earlier) on completion of the trip.

Extension to the period of cover

The period of cover is automatically extended for the period of the delay in the event that your return to your country of residence is unavoidably delayed due to an event covered by this Benefit Schedule.

Personal belongings – baggage, business equipment, ski equipment, golf equipment, wedding gifts and/or wedding attire.

Personal money – bank notes, currency notes and coins in current use, travellers’ and other cheques, postal or money orders, pre-

paid coupons or vouchers, travel tickets, hotel vouchers and passport, all held for private purposes.

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Pre-existing medical condition(s) – any medical or mental condition existing prior to your trip and/ or causing you pain or physical distress or

severely restricting your normal mobility, including (but not limited to):

1. a condition for which you are on a waiting list for or have knowledge of the need for surgery, in-patient treatment or investigation at a hospital, clinic or nursing home;

2. a condition referred to a medical specialist or the cause of in-patient treatment within one year prior to your trip;

3. any mental condition including fear of flying or other travel phobia;

4. a condition for which you have not had a diagnosis;

5. a condition for which a medical practitioner has provided a terminal prognosis;

6. any circumstances you are aware of that could reasonably be expected to give rise to a claim on this Benefit Schedule.

Public transport – any public transport by road, rail, sea or air with a licensed carrier operating a regular and/or charter passenger

service on which you are booked to travel.

Ski equipment – skis (including bindings), ski boots, ski poles, snowboards and helmets.

– Sports and activities

– the activities listed in the section Sports and Activities for which your participation in during your trip is not the sole or main reason for your trip (excluding golf and winter sports trips).

Terrorism – an act, including but not limited to the use of force or violence and/or the threat thereof, of any person

or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Trip – any journey for business or pleasure made by you worldwide up to 30 consecutive days during the period of

cover. Trips must begin and end in a country of residence.

A trip solely within any country of residence is only covered where you have pre booked at least two nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. Cover for Benefits in Section H Emergency Medical and Other Expenses Abroad, Section I Hospital Benefit, Section L Personal Liability, Section N Overseas Legal Expenses, and Section U ATM Theft are excluded in the country of residence.

Unattended – when you are not in full view of and not in a position to prevent unauthorised interference with your property

or vehicle.

Valuables – jewellery, precious metals or precious stones or items made from precious metals or precious stones, watches,

furs, leather articles, photographic – audio – video – computer – television – games – and telecommunications equipment (including CD’s, DVD’s, tapes/cassettes, films, cartridges, memory devices and headphones), telescopes, binoculars, mobile phones, laptops, tablets and notebooks, E-readers and MP3/4 players.

Wedding attire – dresses, suits, shoes and other accessories bought specially for the wedding/civil partnership and make-up, hair

styling and flowers paid for and purchased for the wedding/civil partnership forming part of your baggage.

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GENERAL CONDITIONS

These conditions apply throughout the Benefit Schedule. You must comply with the following conditions to have the full protection of the Benefit Schedule. If you do not comply we may at our option refuse to deal with your claim, or reduce the amount of any claim payment.

1. DUAL INSURANCEIf at the time of any incident which results in a claim under this Benefit Schedule, there is another insurance covering the same loss, damage, expense or liability we will not pay more than our proportional share (not applicable to Section L – Travel Accident). Under Section H – Emergency Medical and Other Expenses – your health insurer must pay the first amount as stated in their policy and we will commence cover once that limit has been reached.

You must claim against your private health insurer, state health provider and/or other travel insurer first for any in-patient medical expenses abroad up to all applicable limits.

2. REASONABLE PRECAUTIONSYou must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard your property from loss or damage and to recover property lost or stolen.

3. MAXIMUM AGE LIMITThe maximum age limit for medical benefits in Section H – Emergency Medical and Other Expenses Abroad and Section I – Hospital Benefit and benefits related to a medical condition in Section C – Cancellation or Curtailment Charges is 79 years inclusive. If you reach the age of 80 during the period of cover, cover will continue under those sections until the end of that period of cover but not thereafter.

4. CURTAILMENT ASSISTANCEIn the event of curtailment necessitating your early return home you must contact AXA Assistance. The service is available to you and operates 24 hours a day, 365 days a year for advice and assistance with your return home. AXA Assistance will arrange transport home when you have notice of serious illness, imminent demise, or death of a close relative at home.

5. CARD USAGEIn order to be eligible to receive benefits under this Benefit Schedule you must charge the green fees in Section S3 – Hole In One Benefit; and the eligible item in Section V – Purchase Protection; in full to your Visa Infinite Card.

CLAIMS CONDITIONS

These conditions apply throughout your Benefit Schedule. You must comply with the following conditions to have the full protection of the Benefit Schedule. If you do not comply we may at our option refuse to deal with your claim, or reduce the amount of any claim payment.

The first thing you should do:

We recommend that you check your cover. Please read the appropriate section in the Benefit Schedule to see exactly what is, and is not covered, noting any conditions, limitations and exclusions.

If bodily injury, illness, loss, theft or damage happens you should immediately:

1. Call AXA Assistance on +44 (0) 203 282 7774 to report a medical emergency, request repatriation, report any loss, theft or damage.

2. Inform a local police station in the country where the incident occurred and obtain a crime or lost property irregularity report.

3. Take all reasonable steps to recover missing property.

4. Take all reasonable steps to prevent a further incident.

What you must do after making a claim:

1. Tell us and provide full details in writing immediately if someone is holding you responsible for damage to their property or bodily injury to them. You must also immediately send us any writ or summons, letter of claim or other document.

2. If we ask, you must send us written details of your claim within 31 days.

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3. You or your legal representatives must supply at your own expense all information, evidence, details of household insurance, medical certificates and assistance that may be needed.

4. You must supply all of your original invoices, receipts and reports etc.

What you must not do:

1. Admit or deny any claim made by someone else against you or make any arrangement with them.

2. Abandon any property for us to deal with.

3. Dispose of any damaged items as we may need to see them.

We are entitled to take over any rights in the defence or settlement of any claim in your name for our benefit against any other party. We are entitled to take possession of the property insured and deal with any salvage. We may also pursue any claim to recover any amount due from a third party in the name of anyone claiming cover under this Benefit Schedule.

We reserve the right to require you to undergo an independent medical examination at our expense. We may also request and will pay for a post-mortem examination.

We may refuse to reimburse you for any expenses for which you cannot provide receipts or bills.

FRAUD

You must not act in a fraudulent manner. If you or anyone acting for you in any respect, attempts to gain funds, information or other assets by deception or any other illegal means, including deliberate misrepresentation or omission of facts in order to misrepresent the true situation, this policy shall become void. We may inform the police and you must repay to us any amount already received under the policy.

EMERGENCY AND MEDICAL SERVICE

Contact AXA Assistance on telephone: +44 (0) 203 282 7774

In the event of a serious illness or accident which may lead to in-patient hospital treatment, or before any arrangements are made for repatriation or in the event of curtailment necessitating your early return home, or in the event of you incurring medical expenses in excess of £500, you must contact AXA Assistance. The service is available to you and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment you must contact AXA Assistance as soon as possible. Private medical treatment is not covered unless authorised specifically by AXA Assistance.

MEDICAL ASSISTANCE ABROAD

AXA Assistance has the medical expertise, contacts and facilities to help should you be injured in an accident or fall ill. AXA Assistance will also arrange transport home when this is considered to be medically necessary, or when you have notice of serious illness or death of a close relative at home.

PAYMENT FOR MEDICAL TREATMENT ABROADIf you are admitted to a hospital/clinic while outside your country of residence, AXA Assistance will arrange for medical expenses covered by the Benefit Schedule to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact AXA Assistance for you as soon as possible.

For simple out-patient treatment, you should pay the hospital/clinic yourself and claim back medical expenses from us on your return to your country of residence. Beware of requests for you to sign for excessive treatment or charges. If in doubt regarding any such requests, please call AXA Assistance for guidance.

RECIPROCAL HEALTH AGREEMENTS

EUROPEAN UNION (EU), EUROPEAN ECONOMIC AREA (EEA) AND SWITZERLAND

Before travelling to a European Union (EU) country, the European Economic Area (EEA) or Switzerland, we recommend that you apply for a European Health Insurance Card (EHIC) via your local Post Office or online https://www.ehic.org.uk/Internet/home.do. This card entitles you to certain free or reduced cost health cover arrangements in the EU, EEA or Switzerland.

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AUSTRALIA

When you are travelling to Australia and you register for treatment under the national Medicare scheme, Medicare provides:

• free treatment as an in-patient or out-patient at a public hospital;• subsidised medicines under the Pharmaceutical Benefits Scheme; and• benefits for medical treatment provided by doctors through private surgeries and Government Health Centres

(not hospitals).

You must enrol at Medicare offices in Australia if you will be receiving treatment. If you receive treatment before you enrol, Medicare benefits can be backdated, if you are eligible. To be eligible you must be a resident of the United Kingdom and will need to show your passport with an appropriate visa.

If you do not enrol at Medicare offices we may reject your claim or limit the amount we pay to you. If you need treatment which cannot be carried out under Medicare you MUST contact AXA Assistance before seeking private treatment. If you do not do so, we may reject your claim or limit the amount we pay to you.

For more information you should contact: Health Insurance Commission, PO Box 1001, Tuggeranong, ACT 2901, Australia or visit their website at: www.hic.gov.au

GENERAL EXCLUSIONS

These exclusions apply throughout your Benefit Schedule. We will not pay for claims arising directly or indirectly from:

1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under Section H – Emergency Medical and Other Expenses, Section I – Hospital Benefit and Section L – Travel Accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.

2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.

3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

4. Your participation in or practice of any sport or activity unless it is shown as covered under the section Sports and Activities.

5. Your engagement in or practice of: manual work with the exception of: bar and restaurant work, wait staff, chalet, maid, au pair and child care, and occasional light manual work at ground level including retail work and fruit picking (excluding the use of cutting tools, power tools and machinery), flying except as a fare paying passenger in a fully-licensed passenger-carrying aircraft, the use of motorised two or three wheeled vehicles unless a full driving licence issued in your country of residence is held permitting the use of such vehicles and you and your passengers are all wearing helmets, professional entertaining, professional sports, racing (other than on foot), motor rallies and motor competitions, or any tests for speed or endurance.

6. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a medical practitioner, but not for the treatment of drug or alcohol addiction), self exposure to needless peril (except in an attempt to save human life).

7. A condition you have in respect of which a medical practitioner has advised you not to travel or would have done so had you sought his/her advice.

8. A condition for which you are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of your country of residence.

9. A condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner.

10. Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

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11. Your own unlawful action or any criminal proceedings against you.

12. Not covered is any claim where you are entitled to Indemnity under any other Insurance, including any amounts recoverable from any other source, except in respect of any excess beyond the amount which would have been covered under such other Insurance, or any amount recoverable from any other source, had these benefits herein not been effected.

13. Unless we provide cover under these benefits, any other loss, damage or additional expense following on from the event for which you are claiming. Examples of such loss, damage or additional expenses would be the cost of replacing locks after losing keys, cost incurred in preparing a claim or loss of earnings following bodily injury or illness.

14. Operational duties as a member of the Armed Forces.

15. Your travel to a country or specific area or event to which a government agency in the country of residence or the World Health Organisation has advised the public not to travel, or which are officially under embargo by the United Nations.

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SPORTS AND ACTIVITIES

You are covered under Section H – Emergency Medical and Other Expenses Abroad for the following activities provided your participation in them is not the sole or main reason for your trip (excluding golf and winter sports trips). Cover under Section M – Personal Liability for those sports or activities marked with * is excluded.

*Abseiling

*Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding

*Canoeing (up to grade/class 3)

*Clay pigeon shooting

Cricket

*Cross country skiing

*Elephant Riding

*Fell running

*Fencing

Fishing

Football

*Glacier Skiing

*Go- Karting

Golf

Hockey

*Horse Riding

*Horse Trekking

*Hot air ballooning

Ice Skating (on recognised ski rinks)

*Jet Biking

*Jet Skiing

Kitesurfing

Monoskiing

*Mountain bicycling on tarmac

Netball

Orienteering

*Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running

Sailing (within 20 Nautical Miles of the coastline)

*Sailing (outside 20 Nautical Miles of the coastline)

Scuba diving (Unqualified and above 18 metres)

*Scuba diving (Qualified and above 40 metres)

*Ski touring

*Skidoo

Skiing (on piste or off piste with a guide)

*Snowblading

Snowboarding (on piste or off piste with a guide)

Snowshoeing

Squash

Surfing

Table Tennis

Tennis

*Tobogganing

Trampolining

Trekking (up to 4000 metres without use of climbing equipment)

Volleyball

*War games

Water polo

Water Skiing

Wind Surfing

Yachting (within 20 Nautical Miles of the coastline)

*Yachting (outside 20 Nautical Miles of the coastline)

Zorbing

AXA ASSISTANCE is available 24 hours a day, 7 days a week on +44 (0) 203 282 7774

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SECTION A – TRAVEL ADVICE

WHAT IS COVERED

Before and during your trip we will provide you with information on: current visa and entry requirements for all countries. If you hold a passport from a country other than the country of residence, we may need to refer you to the embassy or consulate of the country concerned.

1. current vaccination requirements for all countries and information on current World Health Organisation warnings.

2. weather forecasts abroad.

3. specific languages spoken at the travel destination.

4. time zones and time differences.

5. opening hours of major banks including information and advice on the acceptability of various currencies and the main currency in use at the travel destination.

SECTION B – TRAVEL ASSISTANCE

WHAT IS COVERED

During your trip we will:

1. assist you with the procurement of a lawyer and/or interpreter and or the advance of any legal or interpreter’s fees if you are arrested or threatened with arrest while travelling, or are required to deal with any public authority.

2. relay messages to your close relatives, business colleagues or friends in your country of residence.

3. assist in locating your lost baggage and provide you with regular updates on the current situation.

4. provide an advance if your cash, traveller’s cheques or credit cards are lost or stolen and there are no other means for you to obtain funds. All advances and delivery fees will be charged to your Barclays Visa Infinite Card account unless another means of repayment to us is accepted in advance.

5. assist in obtaining replacement travel documents if the documents required for the return journey are lost or stolen. We will not pay the charges payable for issuing new documents. In the event that travel tickets for the return journey are lost or stolen, an advance shall be paid to enable purchase of a replacement ticket. All advances and delivery fees will be charged to your Barclays Visa Infinite Card account unless another means of repayment to us is accepted in advance.

WHAT IS NOT COVERED

The cost of any advance or delivery fee.

SECTION C – CANCELLATION OR CURTAILMENT CHARGES

YOU SHOULD ALWAYS CONTACT AXA ASSISTANCE BEFORE CURTAILMENT Telephone Number +44 (0) 203 282 7774

WHAT IS COVERED

We will pay you, up to the amount shown in the Benefit Table, for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if

(a) cancellation of the trip is necessary and unavoidable; or

(b) the trip is curtailed before completion;

as a result of any of the following events occurring:

1. The death, bodily injury or illness of:

(a) you;

(b) any person with whom you are travelling or have arranged to travel with;

(c) any person with whom you have arranged to reside temporarily;

(d) your close relative; or

(e) a business associate.

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2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of you or any person with whom you are travelling or have arranged to travel with.

3. Redundancy (which qualifies for payment under the current redundancy payment legislation in the county of residence and at the time of booking the trip there was no reason to believe anyone would be made redundant) of you or any person with whom you are travelling or have arranged to travel with.

4. The withdrawal of leave for members of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department, provided that such cancellation or curtailment could not reasonably have been expected at the time of receiving these benefits or booking your trip (whichever is the later).

5. The police requesting you, within 7 days of your departure date, to remain at or subsequently return to your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.

SPECIAL CONDITIONS

1. You must obtain a medical certificate from your treating medical practitioner and prior approval of AXA Assistance to confirm the necessity to return home prior to curtailment of the trip due to death, bodily injury or illness.

2. If you delay or fail to notify the travel agent, tour operator or provider of transport/ accommodation, at the time it is found necessary to cancel the trip, our liability shall be restricted to the cancellation charges that would have applied had failure or delay not occurred.

3. If you cancel the trip due to bodily injury or illness you must provide a medical certificate from the medical practitioner treating the injured/ill person, stating that this necessarily and reasonably prevented you from travelling.

4. If the car which you intended to use for the trip is stolen or damaged within 7 days of the departure date then the costs of a hire car will be covered and no cancellation costs will be paid.

WHAT IS NOT COVERED

1. Pre-existing medical conditions of you or anyone referred to under section 1 of WHAT IS COVERED above.

2. The cost of recoverable airport charges and levies.

3. Any claims arising directly or indirectly from:

(a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date these benefits became effective or the time of booking any trip (whichever is the earlier).

(b) Circumstances known to you prior to the date these benefits became effective or the time of booking any trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or curtailment of the trip.

4. Costs paid for using any airline mileage reward scheme, for example Avios, or any card bonus point schemes, Timeshare, Holiday Property Bond or other holiday points scheme and/or any associated maintenance fees.

5. Normal pregnancy, without any accompanying bodily injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event.

SECTION D – MISSED DEPARTURE/ MISSED CONNECTION

WHAT IS COVERED

We will pay you, up to the amount shown in the Benefit Table, for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination, connecting flights outside the country of residence or returning to the country of residence if you fail to arrive at the international departure point in time to board the scheduled public transport on which you are booked to travel on the initial international journey of the trip as a result of:

1. the failure of other scheduled public transport or

2. an accident to or breakdown of the vehicle in which you are travelling or

3. strike, industrial action or adverse weather conditions

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SPECIAL CONDITIONS

1. You must allow sufficient time for the scheduled public transport or other transport to arrive on schedule and to deliver you to the departure point.

2. You must obtain a written report from the carrier confirming the delay and cause.

3. You must obtain a written report from the police or attending emergency service if the vehicle you are travelling in breaks down or is involved in an accident.

4. All itemised receipts must be retained.

5. You may claim only once under Section E – Delayed Departure/Abandonment or once under Section D – Missed Departure/Missed Connection or once under Section G – Involuntary Denial of Boarding for the same event, not twice or all.

WHAT IS NOT COVERED

1. Claims arising directly or indirectly from:

(a) Strike or industrial action existing or declared publicly by the date these benefits became effective or you booked your trip (whichever is the earlier).

(b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Aviation Authority or a Port Authority or any similar body in any country.

(c) An accident to or breakdown of the vehicle in which you are travelling for which a police or emergency service report is not provided.

(d) Breakdown of any vehicle in which you are travelling if the vehicle is owned by you and has not been serviced properly and maintained in accordance with manufacturer’s instructions.

2. Additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements.

3. Missed departure when less than a minimum connection time of 2 hours between connecting flights at an international point of departure has been arranged or longer if flight reservations systems require longer periods for connections.

SECTION E – DELAYED DEPARTURE/ ABANDONMENT

WHAT IS COVERED

1. If departure of the scheduled public transport on which you are booked to travel is delayed at the final departure point from or to the country of residence for at least 4 hours from the scheduled time of departure due to:

(a) strike or

(b) industrial action or

(c) adverse weather conditions or

(d) mechanical breakdown of or a technical fault occurring in the scheduled public transport on which you are booked to travel

we will pay you, either:

1. up to the amount shown in the Benefit Table for each completed 4 hours delay up to a maximum of the amount shown in the Benefit Table for reasonable meals, refreshments and additional accommodation (room only); or

2. up to the amount as shown in the Benefit Table for Section C – Cancellation for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay if after a minimum of 24 hours delay has elapsed for a trip booked 1-7 days and a minimum of 36 hours delay has elapsed for a trip booked over 8 days, you choose to cancel your trip.

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SPECIAL CONDITIONS

1. You must check in according to the itinerary supplied to you.

2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.

3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.

4. All itemised receipts must be retained.

5. You may claim only once under Section E – Delayed Departure/Abandonment or once under Section D – Missed Departure/Missed Connection or once under Section G – Involuntary Denial of Boarding for the same event, not twice or all.

WHAT IS NOT COVERED

1. Claims arising directly or indirectly from:

(a) Strike or industrial action or air traffic control delay existing or publicly declared by the date these benefits became effective or you booked your trip (whichever is the earlier).

(b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Aviation Authority or a Port Authority or any similar body in any country.

2. Abandonment after first leg of a trip.

SECTION F – BAGGAGE DELAY AND EXTENDED BAGGAGE DELAY

WHAT IS COVERED

BAGGAGE DELAY

We will pay you up to the amount shown in the Benefit Table for Baggage Delay for the emergency replacement of clothing, medication and toiletries if the checked in baggage is temporarily lost in transit during the outward journey and not returned to you within 6 hours of your arrival.

EXTENDED BAGGAGE DELAY

We will pay you up to the amount shown in the Benefit Table for Extended Baggage Delay if the checked in baggage has still not arrived at your destination airport within 48 hours of your arrival.

If the loss is permanent the amount paid will be deducted from the final amount to be paid under Section K – Baggage.

SPECIAL CONDITIONS

1. Written confirmation must be obtained from the carrier, confirming the number of hours the baggage was delayed.

2. All itemised receipts must be retained.

3. Anything mentioned under Section K – Baggage, Personal Money and Passport, Special Conditions.

WHAT IS NOT COVERED

Anything mentioned under Section K – Baggage, Personal Money and Passport, What is not Covered.

SECTION G – INVOLUNTARY DENIAL OF BOARDING

WHAT IS COVERED

DENIAL OF BOARDING

If you have checked-in, or attempted to check in, for a confirmed scheduled flight, within the published check-in times, and you are involuntarily denied boarding as a result of overbooking, we will pay your costs incurred in respect of restaurant meals and refreshments consumed between the original scheduled flight departure time and your actual departure time, up to the amount shown in the Benefit Table.

EXTENDED DENIAL OF BOARDING

If you are delayed for more than six hours, we will pay up to the amount shown in the Benefit Table for your costs incurred in respect of hotel accommodation used and restaurant meals and refreshments consumed, within 30 hours of the original scheduled flight departure time, and before your actual departure.

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SPECIAL CONDITIONS

1. You may claim only once under Section E – Delayed Departure/Abandonment or once under Section D – Missed Departure/Missed Connection or once under Section G – Involuntary Denial of Boarding for the same event, not twice or all.

2. All itemised receipts must be retained.

WHAT IS NOT COVERED

1. Any costs or charges for which the airline will compensate you;

2. Any costs or charges incurred where seat bumping was not involuntary and/or on a mandatory basis;

3. Any claims where written proof from the airline is not obtained confirming your inability to travel through over-booking and the period of delay until your next available flight is confirmed.

SECTION H – EMERGENCY MEDICAL AND OTHER EXPENSES

WHAT IS COVERED

We will pay you, up to the amount shown in the Benefit Table, for the following expenses which are necessarily incurred outside of the country of residence as a result of your suffering bodily injury or a medical condition and/or compulsory quarantine:

1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside of the country of residence.

2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to the limit in the Benefit Table incurred outside of the country of residence.

3. In the event of your death outside of the country of residence the reasonable additional cost of funeral expenses abroad up to a maximum of €2,500 plus the reasonable cost of conveying your ashes to your home, or the additional costs of returning your remains to your home.

4. Up to the amount shown in the Benefit Table per night for 10 nights for reasonable accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date. This includes, with the prior authorisation of AXA Assistance, up to the amount shown in the Benefit Table per night for reasonable additional accommodation expenses for a friend or close relative to remain with you and escort you home. If you and your friend or close relative are unable to use the original return ticket, AXA Assistance will provide additional travel expenses up to the standard of your original booking to return you to your home.

5. Economy class transport and up to the amount shown in the Benefit Table per night for 10 nights’ accommodation expenses for a close relative from the country of residence to visit you or escort you to your home if you are travelling alone and if you are hospitalised as an in-patient for more than 10 days, with the prior authorisation of AXA Assistance.

6. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate you to your home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.

7. Economy class transport and up to the amount shown in the Benefit Table per night for 3 nights’ accommodation expenses for a friend or close relative to travel from the country of residence to escort beneficiaries under the age of 16 to your home in the country of residence if you are physically unable to take care of them. If you cannot nominate a person we will then select a competent person.

8. If we have repatriated you to your country of residence with a medical escort we will pay for your accommodation, food and nursing costs for up to 10 days up to the amounts listed in the Benefit Table while you are convalescing in a Nursing Home registered in accordance with the legislation in the country of residence. The convalescence must immediately follow your repatriation and be agreed to by our senior medical officer in consultation with the registered medical practitioner treating you.

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SPECIAL CONDITIONS

1. You must give notice as soon as possible to AXA Assistance of any bodily injury or medical condition which necessitates your admittance to hospital as an in-patient or before any arrangements are made for your repatriation.

2. You must contact AXA Assistance as soon as possible in the event of you incurring medical expenses in excess of €500 relating to any one incident.

3. In the event of your bodily injury or medical condition we reserve the right to relocate you from one hospital to another and arrange for your repatriation to the country of residence at any time during the trip. We will do this if in the opinion of the medical practitioner in attendance or AXA Assistance you can be moved safely and/or travel safely to the country of residence to continue treatment.

4. You must always contact AXA Assistance before curtailing your trip.

5. You must claim against your state or private health insurer first for any in-patient medical expenses abroad up to your policy limit. In the event of a claim under this section you must advise us of any other insurance policy you hold or benefit from which may provide cover.

WHAT IS NOT COVERED

1. Any claim arising directly or indirectly from any pre-existing medical condition.

2. Any claims arising directly or indirectly in respect of:

(a) Costs of telephone calls, other than calls to AXA Assistance notifying them of the problem for which you are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.

(b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the bodily injury or medical condition which necessitated your admittance into hospital.

(c) Any expenses which are not usual, reasonable or customary to treat your bodily injury or medical condition.

(d) Any form of treatment or surgery which in the opinion of the medical practitioner in attendance and AXA Assistance can be delayed reasonably until your return to the country of residence.

(e) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the country of residence.

(f) Additional costs arising from single or private room accommodation.

(g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.

(h) Any expenses incurred after you have returned to the country of residence unless previously agreed to by AXA Assistance.

(i) Expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.

(j) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.

SECTION I – HOSPITAL BENEFIT

WHAT IS COVERED

We will pay you up to the amount shown in the Benefit Table for every complete 24 hours you have to stay in hospital as an in-patient outside the country of residence as a result of bodily injury or medical condition you sustain. We will pay the amount in the Benefit Table in addition to any amount payable under Section H – Emergency Medical and Other Expenses.

SPECIAL CONDITIONS

1. You must give notice as soon as possible to AXA Assistance of any bodily injury or medical condition which necessitates your admittance to hospital as an in-patient.

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WHAT IS NOT COVERED

1. Any claims arising directly or indirectly from:

(a) Any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the bodily injury or medical condition which necessitated your admittance into hospital.

(b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the medical practitioner in attendance and AXA Assistance can be delayed reasonably until your return to the country of residence.

(c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.

(d) Hospitalisation as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.

(e) Any additional period of hospitalisation following your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.

2. Any claim arising directly or indirectly from any pre-existing medical condition.

SECTION J – HOME EMERGENCY SERVICE

WHAT IS COVERED

We will arrange for one of our approved tradesmen to contact you to arrange for the emergency repair to your domestic gas or electricity supply, fixed heating system, domestic plumbing or drainage system, doors, windows, external locks or roofing, if any of them suffer damage during your trip, or up to 3 days upon your return home after a trip. We will pay for the call out charge and two man hours’ time. We will also pay for any parts or materials used to make the repair up to a maximum total of €150 (including VAT) per trip.

WHAT IS NOT COVERED

1. More than two man hours’ labour charge.

2. Costs of more than €150 (including VAT) for parts and materials used to make the repair.

3. Blockage of toilet units not caused by sudden breakage or mechanical failure.

4. Failure of the central heating system unless there is the danger of frost damage to your home.

5. Emergencies caused by leaking water hoses or water appliances.

6. Leaking overflows or gradual seepage from defective seal joints, any claim involving a septic tank, descaling or work relating to hard water scale deposit removal.

7. Damage made by the tradesman while gaining necessary access to your home.

8. Damage to any contents of your home.

9. Any costs which were not authorised by us first.

SECTION K – BAGGAGE, PERSONAL MONEY AND PASSPORT

WHAT IS COVERED

BAGGAGE

We will pay you, up to the amount shown in the Benefit Table, for the accidental loss of, theft of or damage to baggage. The amount payable will be the value at today’s prices less a deduction for wear, tear and depreciation, (or we may at our option replace, reinstate or repair the lost or damaged baggage). The maximum we will pay for any one article, pair or set of articles is equal to the Single Item Limit shown in the Benefit Table. The maximum we will pay for all valuables in total is equal to the valuables Limit shown in the Benefit Table.

If you are on a cruise we will pay you, up to the amount shown in the Benefit Table for cruise baggage.

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PERSONAL MONEY

We will pay you up to the amounts shown in the Benefit Table for the accidental loss of, theft of or damage to personal money.

We will pay you up to the amounts shown in the Benefit Table for cash limit for bank notes, currency notes and coins and up to the Cash Limit for under 16’s if you are under the age of 16.

PASSPORT

We will pay you up to the amount shown in the Benefit Table for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of your lost or stolen passport. We will only pay the pro-rata value of the lost passport.

SPECIAL CONDITIONS

1. All receipts must be retained.

2. You must report all incidences of loss, theft, or attempted theft of personal belongings to the local police within 24 hours of discovery and obtain a written report. A Holiday Representatives Report is not sufficient.

3. For items damaged whilst on your trip you must obtain an official report from an appropriate local authority.

4. If personal belongings are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain an official report from an appropriate local authority. If personal belongings are lost, stolen or damaged whilst in the care of an airline you must:

(a) obtain a Property Irregularity Report from the airline.

(b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).

(c) retain all travel tickets and tags for submission if a claim is to be made under the Benefit Schedule.

5. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help you to substantiate your claim.

6. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.

7. Payment will be made based on the value of the property at the time it was damaged, lost or stolen. A deduction will be made for wear, tear and loss of value depending on the age of the property or we may at our option replace, reinstate or repair the lost or damaged personal belongings.

WHAT IS NOT COVERED

1. Loss, theft of or damage to valuables or personal money left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, locked safety deposit box or in your locked accommodation.

2. Loss, theft of or damage to personal belongings contained in an unattended vehicle:

(a) overnight between 9pm and 8am (local time) or

(b) at any time between 8am and 9pm (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle confirmed by a police report.

3. Loss or damage due to delay, confiscation or detention by customs or other authority.

4. Loss, theft of or damage to unset precious stones, contact or corneal lenses, eye glasses, hearing aids, dental or medical fittings, cosmetics, antiques, musical instruments, deeds, manuscripts, securities, perishable goods, bicycles and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).

5. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.

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6. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.

7. Claims which are not supported by the original receipt, proof of ownership or insurance valuation (obtained prior to the loss) of the items lost, stolen or damaged.

8. Loss, theft of or damage to tools of trade, motor accessories and other Items used in connection with your business, trade, profession or occupation.

9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown or liquid damage.

10. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.

11. Claims arising from loss or theft from your accommodation unless there is evidence of forced entry which is confirmed by a police report.

12. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage.

13. Claims arising from loss, theft or damage of personal belongings shipped as freight or under a bill of lading.

SECTION L – TRAVEL ACCIDENT

DEFINITIONS – Applicable to this section

Loss of limb – loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand

or foot.

Loss of sight – total and irrecoverable loss of sight in both eyes.

Permanent total disablement – disablement which in the opinion of our medical practitioner, entirely prevents you from engaging in, or giving

any attention to, any and every business or occupation for the remainder of your life.

WHAT IS COVERED

We will pay you, up to the amount shown in the Benefit Table, if you sustain bodily injury whilst on public transport during a trip which shall solely and independently of any other cause, result within one year in your death, loss of limb, loss of sight or permanent total disablement.

SPECIAL CONDITIONS

Our medical practitioner may examine you as often as reasonably necessary prior to paying a claim.

PROVISIONS

The benefit is not payable to you:

1. Under more than one of the items shown in the Benefit Table.

2. Under permanent total disablement, until one year after the date you sustain bodily injury.

3. Under permanent total disablement, if you are able or may be able to carry out any gainful employment or gainful occupation.

WHAT IS NOT COVERED

1. Any claim arising directly or indirectly from any pre-existing medical condition.

SECTION M – PERSONAL LIABILITY

WHAT IS COVERED

1. We will pay up to the amount shown in the Benefit Table, (inclusive of legal costs and expenses up to the amount shown in the Benefit Table) against any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:

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2. Bodily injury, death, illness or disease to any person who is not in your employment or who is not a close relative or member of your household.

3. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you, a close relative, anyone in your employment or any member of your household other than any temporary holiday accommodation occupied (but not owned) by you.

4. In the event of an incident related to golfing, we will pay up to the amount shown in the Benefit Table for Golf Liability.

SPECIAL CONDITIONS

1. You must give us written notice as soon as possible of any incident, which may give rise to a claim.

2. You must forward every letter, writ, summons and process to us as soon as you receive it.

3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without our written consent.

4. We will be entitled if we so desire to take over and conduct in your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and you shall give us all necessary information and assistance which we may require.

5. In the event of your death, your legal representative(s) will have the protection of the Benefit Schedule provided that such representative(s) comply(ies) with the Terms and Conditions outlined in this document.

WHAT IS NOT COVERED

1. Compensation or legal costs arising directly or indirectly from:

(a) Liability which has been assumed by you under agreement unless the liability would have attached in the absence of such agreement.

(b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.

(c) Ownership, possession or use of vehicles, aircraft or watercraft (other than surfboards or manually propelled rowboats, punts, canoes).

(d) The transmission of any communicable disease or virus.

(e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where we will not pay for the first £250 of each and every claim arising from the same incident).

(f) Your criminal, malicious or deliberate acts.

SECTION N – OVERSEAS LEGAL EXPENSES

WHAT IS COVERED

We will pay up to the amount shown in the Benefit Table, for legal costs to pursue a civil action for compensation if someone else causes you bodily injury, medical condition or death during your trip. We will also pay reasonable costs of an interpreter that is arranged by us for court proceedings.

HOW WE SETTLE LEGAL EXPENSES CLAIMS:

We will appoint a member of our panel to handle your case. However, should you choose to appoint an adviser of your own choice to act on your behalf, you will notify us to that effect. We will, upon receipt of your notification, advise you of any conditions concerning such appointment.

SPECIAL CONDITIONS

1. You must notify us of claims as soon as reasonably possible and in any event within 30 days of you becoming aware of an incident which may generate a claim.

2. We will provide you with a claim form which must be returned promptly with all relevant information required by us. You must supply at your own expense all of the information which we reasonably require to decide whether a claim may be accepted.

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3. In the event of a dispute arising as to adviser’s costs we may require you to change adviser.

4. We shall only be liable for adviser’s costs for work expressly authorised by us in advance in writing and undertaken while there are reasonable prospects of success. In the event that you instruct an adviser of your own choice instead of the panel adviser appointed by us, your adviser’s costs will be covered to the extent that they do not exceed our standard panel adviser’s costs.

5. You are responsible for any adviser’s costs if you withdraw from the legal action, other than on the advice of your adviser, without our prior consent. Any adviser’s costs or other fees already paid under these benefits will be reimbursed to us by you.

6. We will not start legal proceedings in more than one country in respect of the same occurrence.

7. We may choose to conduct legal proceedings in the United States of America or Canada under the contingency fee system operating in those countries.

WHAT IS NOT COVERED

1. Any claim where we think there is not a reasonable chance of you winning the case or achieving a reasonable settlement.

2. Costs or expenses incurred before we accept your claim in writing.

3. Claims not notified to AXA Assistance within 30 days of the incident.

4. Claims against a carrier, the travel or holiday agent or tour operator arranging any trip, us, Inter Partner Assistance, AXA Travel Insurance, AXA Assistance or their agents and Barclays Bank plc.

5. Claims against someone you were travelling with or another covered person or any other person covered under a Barclays Visa Infinite policy.

6. Legal action where in our opinion the estimated amount of compensation is less than £750.

7. Actions undertaken in more than one country.

8. Lawyers’ fees incurred on the condition that your action is successful.

9. Penalties or fines which a Court awards against you.

10. Claims by you other than in your private capacity.

11. Claims occurring within the country of residence.

SECTION O – CATASTROPHE BENEFIT

WHAT IS COVERED

We will pay you up to the amounts shown in the Benefit Table in the event that you are forced to move from the pre-booked accommodation as a result of fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local Government directive which is confirmed in writing by local or national authority for irrecoverable travel or accommodation costs necessarily incurred to continue with the trip or, if the trip cannot be continued for your return home.

SPECIAL CONDITIONS

1. You must obtain a report from local or national authority stating that it was not acceptable for you to remain in your pre booked accommodation.

2. If you receive any compensation from the tour operator, booking agent or any third party, any claim under this section will be reduced by the amount of compensation received.

WHAT IS NOT COVERED

Claims where the tour company is responsible.

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SECTION P – HIJACK BENEFIT

WHAT IS COVERED

We will pay you up to the amounts shown in the Benefit Table for each 24 hours you are detained in the event that the aircraft or sea vessel in which you are travelling as a fare paying passenger is hijacked.

SECTION Q – BUSINESS BENEFIT

WHAT IS COVERED

Business Equipment

We will pay you up to the amount shown in the Benefit Table, for accidental loss, theft of or damage to your business equipment. The maximum we will pay for any single item, computer equipment or business samples is as shown in the Benefit Table.

Replacement Business Colleague

We will pay up to the amount shown in the Benefit Table in arranging for a business associate to take your place on a pre-arranged business trip in the event that:

1. You die.

2. You are unable to make the business trip due to you being hospitalised or totally disabled as confirmed in writing by a medical practitioner.

3. Your close relative or business associate in the country of residence dies, is seriously injured or falls seriously ill.

4. You are unable to continue working on your trip following your return home after your covered treatment under Section H – Emergency Medical and Other Expenses.

SPECIAL CONDITIONS

1. Our liability for business equipment hired by you shall be further limited to your liability for such loss or damage.

2. Anything mentioned under Section K – Baggage, Personal Money and Passport, Special Conditions.

WHAT IS NOT COVERED

1. Claims arising for business equipment left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property at anytime.

2. Claims arising for computer equipment and valuables whilst in the custody of a carrier.

3. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage.

4. In respect of replacement business colleague:

(a) Additional costs if you were totally disabled, hospitalised or you were on a waiting list to go into hospital at the time of arranging the business trip.

(b) Additional costs if you were aware of circumstances at the time of arranging the business trip which could reasonable have been expected to give rise to disruption of the business trip.

5. Anything mentioned under Section K – Baggage, Personal Money and Passport, What is not Covered.

SECTION R – WINTERSPORTS

WHAT IS COVERED

SKI EQUIPMENT

We will pay you, up to the amount shown in the Benefit Table, for the accidental loss of, theft of or damage to your own ski equipment, or for hired ski equipment. The amount payable will be the value at today’s prices less a deduction for wear tear and depreciation, (or we may at our option replace, re-instate or repair the lost or damaged ski equipment). The maximum we will pay for any one article, pair or set of articles is shown in the Benefit Table.

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SKI EQUIPMENT HIRE

We will pay you, up to the amount shown in the Benefit Table, for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of your own ski equipment.

SPECIAL CONDITIONS

1. Our liability for ski equipment hired by you shall be further limited to your liability for such loss or damage.

2. Anything mentioned under Section K – Baggage, Personal Money and Passport, Special Conditions.

WHAT IS NOT COVERED

Anything mentioned under Section K – Baggage, Personal Money and Passport, What is not Covered.

SKI PACK

We will pay you, up to the amount shown in the Benefit Table:

(a) For the unused portion of your ski pack (ski school fees, lift passes and hired ski equipment) following your bodily injury or illness.

(b) For the unused portion of your lift pass if lost.

SPECIAL CONDITIONS

You must provide written confirmation from a medical practitioner that such bodily injury or illness prevented you from using your ski pack.

WHAT IS NOT COVERED

Any claim arising directly or indirectly from any pre-existing medical condition.

PISTE CLOSURE

If you are prevented from skiing (excluding cross country skiing) at the pre-booked resort for more than 24 consecutive hours, because insufficient snow or adverse weather causes a total closure of the lift system (other than baby drags and lifts used for transport within the resort by non-skiers), we will pay you up to the amount shown in the Benefit Table for the cost of transport and lift pass charges for travel to and from an alternative site.

If no alternative sites are available we will pay you a benefit up to the amount shown in the Benefit Table.

SPECIAL CONDITIONS

1. The cover only applies to trips to resorts, taken during their published ski season, where you have pre-booked at least one nights’ accommodation and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of your trip.

2. You must obtain written confirmation from the resort management of the piste conditions confirming the closure of facilities and the dates applicable.

AVALANCHE CLOSURE

If access to and from the ski resort is blocked or scheduled public transport services are cancelled or curtailed following avalanches or landslides we will pay up to the amount as shown in the Benefit Table for reasonable extra accommodation and travel expenses.

SPECIAL CONDITIONS

1. The cover only applies to trips to resorts, taken during their published ski season, where you have pre-booked at least one nights’ accommodation and for so long as such conditions prevail at the resort.

2. You must obtain written confirmation from the resort management of the piste conditions confirming the closure of facilities and the dates applicable.

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SECTION S – GOLF BENEFIT

WHAT IS COVERED

GOLF EQUIPMENT

We will pay you up to the amount as shown in the Benefit Table for loss, theft, or damage to your own golf equipment. The amount payable will be the value at the time of the loss, less a deduction for wear tear and depreciation, or we may at our option replace, reinstate or repair the lost or damaged golf equipment. The maximum payment for any single item is shown in the Benefit Table.

SPECIAL CONDITIONS

Anything mentioned under Section K – Baggage, Personal Money and Passport, Special Conditions.

WHAT IS NOT COVERED

1. Claims arising for golf equipment left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property at anytime.

2. Claims arising for loss, theft or damage of golf equipment carried on a vehicle roof rack.

3. Loss, theft of or damage to golf equipment over 5 years old.

4. Anything mentioned under Section K – Baggage, Personal Money and Passport, What is not Covered.

GREEN FEES

We will pay you, up to the amount shown in the Benefit Table per trip to reimburse your pre-paid, irrecoverable Green Fees if:

1. You are ill or suffer a bodily injury during your trip and you are medically certified (by the treating registered medical practitioner at the resort or place of incident), as being unable to play golf for the remainder of your trip; or

2. You have to cancel or curtail your trip for any of the valid reasons listed under Section C – Cancellation or Curtailment.

SPECIAL CONDITIONS

1. You must provide written confirmation from a medical practitioner at the resort or place of incident that such bodily injury or illness prevented you from golfing.

2. Anything mentioned in Section C – Cancellation or Curtailment.

HOLE IN ONE BENEFIT

If you shoot a Hole-in-One during a golf game where green fees have been paid for with your Barclays Visa Infinite Card, we will pay up to €250 towards bar expenses.

SPECIAL CONDITIONS

You must provide a certified copy of your score card, signed by you and a witness and countersigned by the club professional, a dated Golf Club bar receipt and a dated charge slip for the greens fees.

SECTION T – WEDDING COVER

DEFINITIONS – Applicable to this section

You/your/ beneficiary/covered couple– the couple travelling abroad to be married or enter into a civil partnership whose names appear on the marriage/civil partnership certificate.

WHAT IS COVERED

1. We will pay up to the amount shown in the Benefit Table for the accidental loss of, theft of or damage to:

(a) each wedding ring taken or purchased during the trip for each beneficiary

(b) wedding gifts taken or purchased during the trip for the covered couple.

(c) Your wedding attire which is specifically worn by you on your wedding day.

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The amount payable will be the original purchase price less a deduction for wear, tear and depreciation, or we may at our option replace, reinstate or repair the lost or damaged baggage.

2. We will pay up to the amount shown in the Benefit Table for the reasonable additional costs incurred to reprint/ make a copy of or retake the photographs/video recordings either at a later date during the trip or at a venue in the country of residence if:

(a) the professional photographer who was booked to take the photographs/ video on your wedding/ civil partnership day is unable to fulfil such obligations due to bodily injury, illness or unavoidable and unforeseen transport problems; or

(b) the photographs/ video recordings of the wedding/ civil partnership day taken by a professional photographer are lost, stolen or damaged within 14 days after the wedding/ civil partnership day and whilst you are still at the holiday/honeymoon location.

SPECIAL CONDITIONS

1. If the same items are also covered under Section K – Baggage, Baggage Delay and Passport you can only claim for these under one section for the same event.

2. Anything mentioned under Section K – Baggage, Personal Money and Passport, Special Conditions.

WHAT IS NOT COVERED

1. Claims arising for loss or theft of wedding gifts left unattended in a place to which the general public has access (e.g. in the room the reception is held).

2. Anything mentioned under Section K – Baggage, Personal Money and Passport, What is not Covered.

SECTION U – ATM THEFT/ ASSAULT

WHAT IS COVERED

We will pay you, up to the amount shown in the Benefit Table if you are mugged or robbed and the cash that you have withdrawn from an ATM with your Barclays Visa Infinite Card is taken from you within 500 metres of the ATM and within 1 hour of the withdrawal during a trip.

SPECIAL CONDITIONS

1. You must report the theft to the police within 4 hours (or as soon as possible) of the attack/robbery.

2. You must report the incident to AXA Assistance within 72 hours of the attack/robbery.

3. You must obtain a written report from the police which includes an incident number.

4. You must provide proof of the amount, date and time of the covered withdrawal.

WHAT IS NOT COVERED

Any cash that is withdrawn before 1 hour of the time of the robbery and/or not withdrawn using the Barclays Visa Infinite Card.

SECTION V – PURCHASE PROTECTION

DEFINITIONS – Applicable to this section

You/your – the Card Holder

Eligible item – an item, purchased by the Card Holder solely for personal use (including gifts), which has been charged fully

to the Card Holders Barclays Visa Infinite Card account and is not listed under WHAT IS NOT COVERED in this section.

Purchase price – the lower of the amounts shown on either the Barclays Visa Infinite Card billing statement or the store receipt

for the eligible item.

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WHAT IS COVERED

In the event of loss through theft, fire and accidental damage to an eligible item within 90 days of purchase, we will, at our option, replace or repair the eligible item or credit your Barclays Visa Infinite Card account an amount not exceeding the purchase price of the eligible item, or the single item limit shown in the Benefit Table whichever is lower. We will not pay more than the amount shown in the Benefit Table for any one event, or more than the maximum amount shown in the Benefit Table in any one 365 day period.

SPECIAL CONDITIONS

1. Purchase Protection provides cover only for claims or portions of claims that are not covered by other applicable guarantees, warranties, insurance or indemnity policies, subject to the stated limits of liability

2. Claims for an eligible item belonging to a pair or set, will be paid up to the full purchase price of the pair or set, provided the items are not useable individually and cannot be replaced individually.

3. If you purchase the eligible item as a gift for someone else, we will if you wish, pay a valid claim to the recipient, subject to you making the claim.

4. You must exercise due diligence and do all things reasonably practicable to avoid any direct physical theft or damage to an eligible item.

5. You will need to transfer to us, on our request and at your expense, any damaged eligible item or part of a pair or set, and assign the legal rights to recover from the party responsible up to the amount we have paid.

6. You must document that the claim has not been sent to other insurance company.

7. You must provide us with the original sales receipt from store, original of card receipt, original of account showing the transaction and the police report.

WHAT IS NOT COVERED

1. The excess of €75, applying to each and every claim.

2. Lost items not connected to theft, fire or damage caused by accident.

3. Mysterious disappearance of items.

4. Theft or damage caused by fraud, mistreatment, carelessness or not following the manufacturer’s manual.

5. Items which were used before purchase, second-hand, altered, or bought fraudulently by the Card Holder.

6. Damage to items caused by product defects.

7. Expenses due to repairs not performed by workshops approved by AXA Assistance.

8. Stolen items not reported to the police within 48 hours of discovery and a written report obtained.

9. Items left unattended in a place accessible to the public.

10. Loss or damage due to normal wear and tear of items or damage due to normal use or normal activity during sports and games (example golf- tennis balls, or other consumable items used for sport or games).

11. Motor vehicles, motorcycles, bicycles, boats, caravans, trailers, hovercraft, aircraft and their accessories.

12. Loss or damage due to radioactivity, water, damp, earthquake, unexplainable disappearance or error during production.

13. Theft, loss or damage when item is under supervision, control or taking care of, by third party other than allowed according to safety regulations.

14. Items not received by the Card Holder or other party pointed out by the Card Holder.

15. Losses of any item from property land or premises unless entry or exit to the property or premises was gained by the use of force, resulting in visible physical damage to the property or premises.

16. Direct physical theft or damage to items in a motor vehicle or as a result of the theft of said motor vehicle.

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17. Loss caused by declared or undeclared war, confiscation by order of any government or public authority, or arising from illegal acts.

18. Loss of jewellery, watches, precious metals and gemstones in baggage unless carried by hand and under the Card Holder’s personal supervision or under the supervision of a travelling companion previously known to the Card Holder.

19. Services, cash, travel checks, tickets, documents, currency, silver and gold.

20. Art, antiques, rare coins, stamps and collector’s items.

21. Animals, living plants, consumables, perishable goods or permanent installations.

22. Electronic items and equipment, including but not limited to, personal stereos, MP3/4 players, computers or computer-related equipment whilst at your place of employment, items used for business purpose.

23. Riot and civil commotions, strikes, labour and political disturbances.

24. Any mail order items or items delivered by courier until item or items are received, checked for damage and accepted at the nominated delivery address.

25. Items purchased on the Internet unless it is from a local country registered site.

26. Theft or accidental damage to any item where there is any other insurance covering the same theft or accidental damage, or where the Terms and Conditions of such other insurance have been broken or for the reimbursement of any evident excess.

COMPLAINTS PROCEDURE

We make every effort to provide you with the highest standards of service. If on any occasion our service falls below the standard you would expect us to meet, the procedure below explains what you should do.

You can write to the Quality Manager, who will arrange an investigation on behalf of the General Manager, at: AXA Travel Insurance, Head of Customer Care, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom.

Or you may use e-mail: customer.support@axa-travel-insurance.com

or telephone +44 (0) 203 282 7774.

If it is impossible to reach an agreement, you may have the right to make an appeal to the Financial Ombudsman Service by writing to:

Financial Ombudsman Service Exchange Tower, London E14 9SR, United Kingdom

Or you can phone 0845 080 1800

These procedures do not affect your right to take legal action.

USE OF YOUR PERSONAL DATA

You agree that we may:

(a) disclose and use information about you and your insurance cover – including information relating to your medical status and health – to companies within the AXA Assistance Group of companies worldwide, our partners, service providers and agents in order to administer and service your insurance cover, process and collect relevant payments on it, for fraud prevention and to manage the insurance products which you have purchased;

(b) undertake all of the above within and outside the European Union (EU). This includes storing and processing your information (which may include sensitive medical and personal information about you) in countries in which data protection laws are not as comprehensive as in the EU. However, we have taken appropriate steps to ensure the same (or equivalent) level of protection for your information where we store and process it in those other countries as there is in the EU; and

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(c) monitor and/or record your telephone calls in relation to cover to ensure consistent servicing levels and account operation.

We use advanced technology and well defined employee practices to help ensure that your information is processed promptly, accurately and completely and in accordance with applicable data protection law.

If you want to know what information is held about you by the AXA Assistance Group, please write to:

AXA Travel Insurance Limited, Data Protection Officer, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR

There may be a charge for this service, as permitted by law. Any information which is found to be incorrect will be corrected promptly.

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Section 6 – Barclays Visa Infinite Concierge TermsProvided by WhiteConciergeConcierge Anywhere

Whether you’re in the office, or on the move, Barclays Visa Infinite Concierge is always there with you enabling you to discover local delights, plan a special event or arrange a gift or bouquet of flowers.

The Concierge team is available 24 hours a day, 365 days a year. The multi-lingual experts have the knowledge and experience to help you with complex requests and simple bookings.

Please note: You do not have to pay anything extra to call Barclays Visa Infinite Concierge. It’s included with your Visa Infinite card. You will have to pay for any costs arising by using the service.

EntertainingEver been frustrated when trying to book theatre tickets? Or needed a last-minute weekend tee-off time?

Whether you’re making the most of your free time or planning to impress a potential new client, Barclays Visa Infinite Concierge provides a range of services aimed at delivering you unforgettable dining, sporting and entertainment experiences.

We can book your tickets for the latest plays and concerts, reserve tables at the hottest new restaurants and secure tee-off times at top golf clubs around the globe.

LifestyleServices to delight and assist, day-in, day-out.

At Barclays Visa Infinite Concierge we understand that time is a commodity most of us would desire to possess in abundance, however; we are all guilty of forgetting important dates or finding we are ‘too busy’ to keep our commitments.

Designed to combat the symptoms of a hectic lifestyle, our services are there to give you an extra pair of hands, whether it’s hiring a personal shopper, running an errand, or providing a reminder service, allow us help you save more time.

Emergency AssistanceWith Barclays Visa Infinite Concierge you’ll never feel like you’re alone should the worst happen.

We are prepared for any eventuality and have the experience and resources to assist you should you find yourself in a sticky situation.

So whether you’re travelling abroad, locked out of your home or had your phone stolen – remember we’re here to help, 24 hours a day, 365 days a year – anywhere in the world.

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Section 7 – Airport Angel Terms and Conditions

These are the Terms and Conditions of your Airport Angel membership, which you are entitled to receive as a holder of a Barclays Visa Infinite Card.

A) Definitions

Airport Angel means your airport lounge access service described in these Terms and Conditions.

Card means the Barclays Visa Infinite Card.

Cardholder means the individual who is the holder of the Card and is eligible for Airport Angel Membership as a feature of such Card.

Membership means your Airport Angel membership, which entitles you to use Airport Angel.

we/us/our means CPP Travel Services Limited.

Website means the website at www.airportangel.co.uk/barclaysvisa

you/your means the Cardholder.

B) Information about us

Airport Angel is provided by CPP Travel Services Limited, a company registered in England and Wales at Companies House. Our registered office is Holgate Park, Holgate Road, York YO26 4GA and our registered number is 02389644.

Airport Angel is subject to these terms and conditions. It is important that you read each section of these terms and conditions carefully to understand the features and conditions of Airport Angel. You may have other rights granted to you by law in addition to those set out in these terms and conditions, which we may not exclude. Where appropriate, we have set out your rights under these laws. These terms and conditions do not affect those other rights granted by law.

By using Airport Angel you confirm that you have accepted these Terms and Conditions.

Changes to these Terms and ConditionsWe have the right to revise and amend these Terms and Conditions from time to time including to reflect changes in market conditions affecting our business, changes in technology and changes in payment methods. We may also revise and amend these Terms and Conditions from time to time if required by law or government or regulatory authority. You will be subject to the Terms and Conditions in force at the time that you become eligible for your Membership, unless any changes are made in accordance with these Terms and Conditions. We will give you prior notice of any changes to these terms and conditions and we will send you an updated set of terms and conditions in the event that these are varied.

C) Membership

Your Membership entitles you, along with up to five guests (comprising one adult and up to four children under the age of 18), to free visits to airport lounges that have agreed to participate in the Airport Angel airport lounge access programme, and which have a web portal or web terminal which enables you to use your Card to access the lounge. Details of participating lounges may be accessed using the search facility on the Website.

For each additional accompanying guest that you bring outside your entitlement, a fee of £15 per guest will be payable by you and will be charged to your Card after your visit. We reserve the right to vary our fees from time to time. You will be notified in advance of any changes that will apply to your Membership.

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By incurring any such charges, you are authorising us to charge your Card in respect of Airport Angel services in accordance with these Terms and Conditions. Charges will be made directly to your Card within 72 hours of a visit to an airport lounge which incurs a charge.

At the point of entry into a participating airport lounge, your Card will be validated with your issuing bank. If your Card is declined you will be refused entry to the airport lounge and you will need to contact Barclays on the number detailed on the back of your Card.

D) AIRPORT ANGEL

Airport lounge accessYour Membership entitles you to access to airport lounges that have agreed to participate in the Airport Angel lounge access programme and which have a web portal or web terminal which enables you to use your Card to access the lounge.

The following Terms and Conditions apply to your use of the airport lounges:

• Entry to a participating lounge will only be granted upon presentation of your passport, a valid flight ticket and boarding pass for the same day of travel, a valid Card, and payment through your Card if applicable. Other forms of payment will not be accepted as a substitute.

• All participating lounges are owned and operated by third party organisations. You and your guests must abide by the rules and policies of each participating lounge and any Terms and Conditions set out by a particular lounge, which are available direct from the lounge. Any lounge users not complying with those terms may be asked to vacate the lounge facilities.

• Lounge staff will take your Card details to log and record your entry. Where requested, you must sign the log and confirm the number of guests accompanying you, if any. The charge per visit, if applicable, for guests accompanying you will be based on the log submitted by the lounge operator.

• Access to participating lounges may be restricted due to space constraints but this will be at the discretion of each individual lounge operator. Some lounges may reserve the right to enforce a maximum stay policy (which is usually 3-4 hours) to prevent overcrowding. This is at the discretion of the individual lounge operator who may impose a charge for extended stays. We are not responsible for any such charges that you may incur.

• Some lounges in Europe are located within designated Schengen areas of the airport which means that access is only provided to these lounges if you are travelling between the following countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

• We will do our best to ensure that the benefits and facilities of participating lounges are available as advertised, but we cannot guarantee availability at the time of your visit. We have no control over, nor responsibility for, the facilities offered, the opening/closing times or the personnel employed by the participating lounges. We cannot be held liable for any loss to you, or any guests accompanying you, arising from the provision or non-provision (whether in whole or in part) of any of the advertised benefits and facilities.

• Please note that the lounge operator may charge you for using some of their facilities (please refer to the Website and to the individual lounge details at the relevant airport for details). We are not responsible for any such charges that you may incur.

• Airline, airport and other travel industry employees travelling on reduced-rate tickets may not be eligible for the airport lounge access service. Please refer to the individual rules of each participating lounge.

• Any guests accompanying you must be able to present a valid flight ticket and boarding pass for the same day of travel to gain entry to a participating lounge.

• The number of guests that you may bring with you is at the discretion of each lounge operator and some lounges may not admit children. Please see the individual lounges descriptions available on the Website for details.

• Whilst it is the responsibility of the lounge staff to ensure the correct information is taken from the Card or that a log is made, you are responsible for ensuring the log correctly reflects your own usage and that of any guests at the time of using the lounge. Discrepancies relating to the number of guests stated cannot be settled once you have left the lounge.

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E) General conditions

If you have any queries about your Membership, you can contact us on +44 (0)20 7108 6217 (lines open 24 hours a day, 7 days a week). If you change your name or address, or if you lose your Card or it is stolen, you must tell us as soon as reasonably practical by calling the number set out above.

F) Your membership term and termination

Your entitlement to Airport Angel Membership continues while you hold and are eligible for this as a feature of your Card.

You have a right to cancel your Membership at any time by contacting us. If you decide to cancel, please call us or write to us using our contact information set out in Section B above.

We will cancel your Membership if:

• we receive notification that you no longer hold the Card; or

• we do not receive on the date it is due, payment for any visits which incur a charge in accordance with these Terms and Conditions. We may subsequently reinstate your Membership if we later receive payment for this; or

• you are found to be in material breach of these Terms and Conditions or if you have at any time used your Membership dishonestly or agreed to help anyone try to use your Membership dishonestly.

In the event that your Membership is cancelled, you will not be eligible to access the airport lounges using your Card from such cancellation date. Any subsequent lounge visits made, including with any accompanying guests, will be chargeable to you in accordance with these Terms and Conditions. In the event that we are unable to collect payment from your Card, we may pursue legal action to recover any owed monies.

G) Transfer of rights and obligations

Your Membership is non-transferable; this means that only the Cardholder is eligible for the Membership.

H) Our liability to you

Nothing in these Terms and Conditions shall exclude our liability (if any) to you for:

• personal injury or death resulting from our negligence;

• fraud or fraudulent misrepresentation;

• any matter for which it would be illegal for us to exclude or attempt to exclude our liability.

Subject to the above:

• we accept no liability for any damage or loss caused to you where such damage or loss is not reasonably foreseeable to you and us when you agree to these Terms and Conditions, including where the damage or loss results from our breach of these Terms and Conditions and including in respect of loss or damage arising from the use of, or inability to use, any aspect of the Airport Angel services for whatever reason;

• we make no warranties, express or implied, as to the results to be obtained from any person from the use of Airport Angel;

• we are not responsible for any delay or failure to comply with our obligations under these Terms and Conditions if the delay or failure arises out of any event which is beyond our reasonable control. Such events shall include any act, event, non-happening, omission or accident beyond our reasonable control;

• we accept no liability for any damage or loss caused to you where a lounge operator has refused admission or asked you and/or any guests to leave because you and/or guests have not complied with its conditions; and

• we are not responsible for any disputes that may occur between you and/or any guests and a lounge operator which are not in relation to your Membership. All disputes must be settled directly with the lounge in question.

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It is your responsibility to be aware of, and on time for, flight times, boarding gates and any other secondary information related to their flight. Participating lounges have no contractual commitment to announce flights and we are not liable for any loss resulting from you and/or any accompanying guests failing to board their flights.

I) Waiver of Terms and Conditions

If we choose not to enforce a term or condition contained in these Terms and Conditions, this will not prevent us from relying on that term or condition in the future.

J) Complaints

If you want to make a complaint, please call us or write to us using our contact information set out in Section B above.

We will do our best to answer your query within five working days. If no reply has been sent by then, you will be sent an acknowledgement letter to keep you informed of progress.

K) Applicable law

These Terms and Conditions are governed by and must be interpreted in accordance with the laws of England and Wales, or unless you and we agree otherwise. These Terms and Conditions and all communications between us will be conducted in the English language.

L) Data protection notice – Your personal details

We take the privacy of our users seriously. CPP Travel Services Limited is registered as a Data Controller with the Information Commissioner’s Office under the terms of the Data Protection Act 1998, with the registration number Z1257753. This Data Protection Notice sets out how we use and protect any personal information that you give us. If you have any questions about this policy, please contact us at UK Compliance Team, CPP Travel Services Ltd, Holgate Park, York, YO26 4GA.

What information do we collect?We will collect certain information from you in order to:

• provide Airport Angel to you;

• collect payments from you when due; and

• to contact you regarding any specific enquiry you make.

We may collect the following information:

• your name and contact information (including e-mail address and mobile phone number) and any other details you provide to us;

• information that you provide by filling in account registration forms or using other facilities provided through our Website. This includes information provided at the time of subscribing to any services or requesting further services; and

• records of any correspondence when you contact us.

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What do we do with the information we collect?We use this information to provide you with a better service, and in particular for the following reasons:

• to facilitate use of the services we may provide to you;

• internal record keeping;

• to improve our products and services;

• to communicate with you by e-mail, telephone or post if you have ordered or purchased services from us, either regarding the order or purchase or other matters regarding transactions between us or your customer relationship or account (if you have one) with us;

• to process payments;

• to contact you for market research purposes, if you have not objected to such use. Please note that you can object to the use of your data for market research purposes at any time. To do so, please contact us via the contact details set out above to let us know; and

• to complete surveys that we use for research purposes, although you do not have to respond to them.

Whom do we share this information with?Your personal information will be used for the above purposes by relevant staff in CPP and by those who support them in their roles. It will also be made available to our authorised service providers which perform certain services on our behalf e.g. providing IT support and maintenance, providing hosting services and providing online payment services. These service providers may have access to personal information needed to perform their functions on our behalf but are not permitted to share or to use such information for any other purpose. CPP may also share limited personal information with other companies within the CPP Group Plc group of companies e.g. to the extent needed for proper management and parental analysis and decision making.

CPP may also disclose your personal data:

• in response to a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise its legal rights; to defend legal claims; or as otherwise required or permitted by applicable laws and/or regulations;

• when CPP believes that disclosure is appropriate in connection with efforts to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property or safety of CPP, its customers, staff, suppliers or others; to comply with applicable law or co-operate with law enforcement; or to enforce its terms or other agreements;

• to prospective or actual buyers in the event that CPP sells or buys any of its business or assets.

We will not transfer, disclose, sell, distribute or lease your personal information to third parties unless we have your permission to do so or are otherwise required or permitted to do so by law.

Will my personal data be transferred abroad?European privacy law permits the export of personal data to other countries subject to the provision of adequate levels of protection for the processing of such personal data. We will ensure that transfers outside the European Economic Area (EEA) are subject to adequate safeguard as data protection standards in those countries may differ from those in the EEA.

If we transfer your personal information to a person, company, office, branch, organisation, service provider or agent in another country, we will make sure that we have appropriate security and privacy measures in place with such third parties covering how they hold and maintain any personal information on our behalf.

How to get copies of or amend the information we have collectedYou may request details of personal information which we hold about you under the Data Protection Act 1998 at any time. A small fee will be payable. If you would like a copy of the information held on you please write to us at The Compliance Manager, CPP Travel Services Limited, Holgate Park, York, YO26 4GA.

If you think any information we have about you is incorrect or incomplete, please contact us using the information set out in Section B above as soon as possible. We will correct or update any information as soon as possible.

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Section 8 – Visa Infinite Private Travel Planner Service

Your Barclays Visa Infinite Card provides you with Visa Infinite Private Travel Planner, a service allowing you to enjoy your leisure time without having to deal with the detail.

Wherever your destination, tap into our travel planning service. Available for unlimited usage to both you and your additional cardholders, this exclusive service is provided by Visa Infinite Private Travel Planner, travel experts with a global network of contacts.

From flights and hotel bookings to inspirational ideas and unrivalled local knowledge, your personal Visa Infinite Private Travel Planner will provide you with a personal and tailored service before, during and after your travel and handle the entire process on your behalf, from recommendation to reservation.

The service grows with you as you use it – logging your individual preferences (for example window/aisle seat, garden or sea view room) so you never need to ask again. To plan your first itinerary – or for the inside track on where is hot and happening – call your Visa Infinite Private Travel Planner on +44 (0)1733 862140.

This item can be provided in Braille, large print or audio by calling +44(0)1624 684 444*.

* Lines are open 8am to 6pm UK time Monday to Friday excluding UK bank holidays.

Call costs may vary – please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes.

Barclays offers wealth and investment products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Bank PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank PLC, Jersey Branch is regulated by the Jersey Financial Services Commission. Barclays Bank PLC, Jersey Branch has its principal business address in Jersey at 13 Library Place, St Helier, Jersey JE4 8NE, Channel Islands.

Item Ref: IBIM0279. September 2014.