*Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for more information. **Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for more information.***VISA ZERO LIABILITY POLICY. This policy protects you from unauthorized charges if your card is lost or stolen. However, you should always use care in protecting your Card. You must notify us immediately and assist us in our investigation if your card is lost or stolen, or if you believe someone is using your card without your permission. Visa’s Zero Liability Policy does not apply to certain commercial cards, anonymous prepaid card transactions, or transactions not processed by Visa.