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The Elite package is the most comprehensive plan covering life altering events that usually affect your finances and will provide you confidence that your credit card account is covered. Elite coverage cost is $0.99 per $100 of your monthly ending account balance, and is automatically billed to your credit card. If your statement ending balance is zero, there is no cost for the coverage.

Action	Event	Elite
	Loss of Life Cancels the account balance in the event of your death or a joint cardholder's death.
	Life Event - marriage, baby & more! Cancels one minimum payment per calendar year when you experience a life event of: marriage, birth or adoption, move or purchase a new home, new job, retirement, acceptance and entry into a college program, milestone birthday (where an eligible person reaches the age of 20, or every 10th birthday thereafter).
	Identity Theft Suspends payments and freezes your account for up to 3 months if you are a victim of identity theft, due to an unauthorized acquisition and use of name, social security number, credit card number(s), or other personally identifying information.
	Divorce Suspends payments and freezes your account for up to 3 months if you are a party to a divorce or legal separation.
	Hospitalization of Immediate Family Member Suspends payments up to 3 months if an immediate family member* becomes disabled or hospitalized. *An immediate family member means: parent, grandparent, sibling, child, legal guardian or legal ward for whom you are the primary care provider.
	Displacement from Home Suspends payments up to 3 months if you are displaced from your home, which means the primary residence where an eligible person lives at least 50% of the time. Examples include: natural disasters, e.g., flood, earthquake, hurricane, tornado, or mudslide; fire; act of terrorism.
	Call to Active Duty Suspends payments and freezes your account for up to 25 months if you are called to active duty by a U.S. guard or military reserve unit.
	Skilled Nursing Suspends payments and freezes your account for up to 25 months if you are admitted to a skilled nursing facility: (1) a hospital, convalescent hospital, nursing home, or a psychiatric facility, (2) stay in the hospital /skilled nursing facility for a minimum of one night, and (3) be under a licensed physician's care while the injury or illness continues to impair ability to perform normal daily activities.
	Leave of Absence Suspends payments and freezes your account for up to 3 months if you are unable to work due to an approved leave of absence: you must (1) be off work for at least 30 days in a row, (2) on an employer approved unpaid leave of absence to attend to the needs of an Immediate Family Member due to an accident / illness, or to attend to the needs of a newborn or newly adopted child, and (3) from a job you worked an average of at least 30 hours each week for 30 days prior to the date of Qualifying Event.
	Unemployment Suspends payments and freezes your account for up to 9 months if you involuntarily lose your job. You must experience an involuntary loss of employment that lasts at least 30 consecutive days and worked an average of at least 30 hours each week for the 30 days immediately preceding the date of the Qualifying Event.
	Temporary Disability Suspends payments and freezes your account for up to 18 months if you are unable to work due to temporary disability. You must (1) be off work due to an injury or illness for at least 30 days in a row, from a job worked an average of 30 hr. / week over the 30 days prior to the date of Event, and (2) be under a licensed physician's care for the duration of the injury or illness.
	Permanent Disability Cancellation Cancels your account balance if you are unable to work due to a permanent disability. You must (1) be injured or ill, that prohibits ever performing any work for income, and (2) have worked an average of at least 30 hours each week over the 30 days ending on the date of the Event.
	Long-term Temporary Disability Cancellation Cancels your account balance after temporary disability suspension benefit has been activated for more than 18 months. You must have been approved for the Temporary Disability benefit, and have had the Temporary Disability Debt Suspension benefit activated for the 18 months immediately preceding the Cancellation.
	Long-term Unemployment Cancellation Cancels your account balance after the Unemployment Suspension Benefit has been activated for more than 9 months, immediately preceding the Cancellation.
		Elite
Cost		$ 0.99
Amount to be applied to statement ending balance		per $100 of balance

Account Action Legend