Holland America Cruises

Minors under age 18 traveling to certain foreign countries must be accompanied by both parents or have a notarized letter of consent signed by the parent(s) not traveling. If the other parent is deceased or the child has only one legal parent, a notarized statement must be obtained as proof.

All minors under age 18 must travel with all proper identification requirements in addition to the signed letter of authorization. Minors who are U.S. citizens should have a certified copy of their birth certificate or another form of proof of citizenship. Children 16 or older are also required to have a photo ID. If traveling outside of the Western Hemisphere, a passport is required. Your travel agent can provide additional information about this requirement.

PLEASE NOTE: In an effort to prevent international child abduction, many governments have initiated procedures at entry and exit points. These often include requiring documentary evidence of relationship and permission for the child's travel from the parent(s) or legal guardian if not present. Having such documentation on hand, even if not required, may facilitate entry or departure. For specific information regarding the country you are traveling to, please visit the U.S. State Department website for country-by-country information.

Parents, guardians and chaperones are responsible for overseeing the conduct of minors in their care. As such, minors may not be left unsupervised on board the ship. A parent or legal guardian MUST accompany all children under the age of 18 on all tours for safety and liability reasons.

From a festive five-course affair to a quick, casual dinner for two, HAL As You Wish ™ dining lets you choose the venues and style that suit you.

The elegant main Dining Room

• Luxurious Dining Room, graced with fine art and antiques
• Sophisticated Rosenthal china and crisp white table linens
• Five-course menus with offerings from classic preparations regionally inspired cuisine to vegetarian options
• Your choice of traditional pre-set seating and dining times or a flexible open schedule

The Pinnacle Grill experience

• Intimate dining featuring Sterling Silver Beef® and fresh seafood
• Luxurious appointments including Bvlgari® china, Riedel® stemware and Frette® linens
• Extensive wine list featuring many selections rated “Excellent” by Wine Spectator

Other delightful ways to dine

• Fresh, cooked-to-order specialties in the Lido Restaurant for breakfast and lunch
• Made-to-order dinner entrees and tableside waiter service in the Lido Restaurant for dinner
• Complimentary 24-hour in-room dining
• The Terrace Grill on deck
• Late-night snack; Chocolate Dessert Extravaganza
• Explorations Café featuring pastries and espresso drinks
• Daily Afternoon Tea service, elevated to Royal Dutch High Tea once per cruise

A master staff and crew

• Enhanced menu design under the direction of Master Chef Rudi Sodamin
• Executive chefs inducted into the prestigious Confrerie de la Chaine des Rotisseurs, an international food and wine society

Signature touches

• Ice cream bar featuring complimentary treats
• Hot hors d’oeuvres during cocktail hour.

Special dietary needs, such as vegetarian, diabetic or gluten-free meals, are easily accommodated with advance requests. Kosher meals and a Health Conscious Dining option are also available. To arrange special meals, please contact the Ship Services Department at 800-541-1576 at least 60 days prior to departure. As You Wish™ dining is currently available on each of HAL ships.

Dining Requests

Dining requests should be made when you book, in advance of sailing. Upon embarkation you will find a confirmation card in your stateroom indicating your seating assignment and table number (if applicable). Upon embarkation you will find a confirmation card in your stateroom or it will noted in your ID guest card. The information will advise you of your seating assignment and table number.

Holland America, Windstar Cruises, Gray Line of Alaska and Gray Line of Seattle (each referred to as 'Company') offer passengers the opportunity to purchase either their Standard Cancellation Protection Plan (CPP Standard Plan) or their Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. residents.

Please refer to your cruise or tour confirmation for verification of whether you purchased either of these plans. The remaining text on this cover panel only applies if you purchased the CPP Platinum Plan.

GROUP PLAN CODE 1308-I - CPP Platinum Plan (As of 10/1/2003)

Name_______________________________ Booking # __________________

No coverage for the CPP Platinum Plan is in force unless payment has been made for this plan. When Company receives your payment for this plan, this brochure becomes your Certificate of Insurance and Description of Services.

IMPORTANT: If you purchased the CPP Platinum Plan, keep this document and carry a copy with you when you travel. If you need to cancel your trip, contact your travel agent or Holland America Line Inc., Windstar Cruises, Gray Line of Alaska or Gray Line of Seattle (as appropriate), immediately to cancel your reservation.

This plan is administered by CSA Insurance Services.

Company's Cancellations Policy for the cruise or tour you have selected is described in the applicable cruise line or tour brochure. In most cases, this policy permits a full refund of amounts received by Company (except for amounts you paid for the CPP Standard Plan or CPP Platinum Plan) if written cancellation is received by Company at least 76 days (91 days for Windstar and 61 days for Gray Line of Alaska and Gray Line of Seattle) prior to the date you are to commence travel by any means of transportation (air, sea or ground) booked through Company. Longer notice is required for certain cruises or tours. In most cases, a partial refund will be provided for later cancellations up to a certain number of days prior to commencing travel, after which no refund will be made. The brochure specifies the exact cancellation deadlines and refund amounts.

Cancellation fees apply regardless of the reason for cancellation, including medical and family matters. Given that the resale of cancelled space will likely result in a lost opportunity to sell other space, cancellation fees are due regardless of resale.

To be effective, written cancellation must be actually received by Company's Seattle, Washington office prior to the applicable deadline. For Holland America Line and Windstar Cruises, the address to use is Reservations Control, Holland America Line Inc., 300 Elliott Ave. West, Seattle, WA 98119; cancellations may also be faxed to 1-800-628-4855. For Gray Line of Alaska and Gray Line of Seattle, the address to use is: Reservations Supervisor, Gray Line of Seattle and Gray Line of Alaska, 300 Elliott Ave. West, Seattle, WA 98119; cancellations may also be faxed to 1-206-301-5282. Please retain your fax confirmation.

Refunds will be processed on the basis of the net payment actually received and retained by Company from your travel agent, excluding the amount paid for the CPP Standard Plan or CPP Platinum Plan. This exclusion applies even if cancellation occurs at a time when no cancellation fee would otherwise be payable. The net payment received and retained by Company would not include any amounts kept by, or paid to, the travel agent as commission, or amounts otherwise not paid by the travel agent to Company. Refunds will normally be made to your travel agent. You are responsible for obtaining from your travel agent monies either retained by your travel agent or received by your travel agent from Company.

Airplane tickets issued by Company must be returned before the fare will be refunded. Cruise contracts and contracts of carriage are non-transferable. Name changes (if allowed) and departure date changes are considered cancellations and are subject to cancellation fees.

Holland America Line, Windstar Cruises, Gray Line of Alaska and Gray Line of Seattle each offer passengers the opportunity to purchase either its Standard Cancellation Protection Plan (CPP Standard Plan) or its Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. residents.

CPP STANDARD PLAN: Our CPP Standard Plan allows you, for any reason, to provide written cancellation up to 24 hours prior to scheduled cruise, tour or cruisetour departure and receive a cash refund equal to 80 percent of the applicable cancellation fee (90 percent if you purchased HAL CPP Platinum Plan). In addition, Company automatically assumes an additional $500 of liability for lost, damaged or delayed baggage of passengers who purchase the CPP Standard Plan still subject, however to the limitations in HAL's baggage policies. For example, HAL does not cover losses while baggage is in the custody of airlines. Our baggage policies are explained in detail in HAL's brochure and Cruise Contract or, as to Gray Line of Alaska and Gray Line of Seattle, HAL's Contract of Carriage.

The CPP Standard Plan is not insurance; it provides no rights other than those explained above. For example, it does not protect double-triple-quad occupancy rates should one or more members of your party cancel nor does it cover expenses or unused services due to trip interruption.

CPP PLATINUM PLAN: Our CPP Platinum Plan enables you to supplement the CPP Standard Plan with insurance coverage underwritten by Monumental General Casualty Company (all states except as otherwise noted) under Policy Form # TAHC2000GPC; Certificate #TAHC2000GCC, or Stonebridge Casualty Insurance Company (AL, AZ, CO, DE, ID, MN, NJ, NM, NY, ND, PA, and VT) under Policy Form # TAHC5000GPS, Certificate # AHC5000GCS. The CPP Platinum Plan also includes various travel assistance services arranged by CSA Insurance Services. Neither CSA nor the insurers are affiliated with Company. The specific coverage and services available under the CPP Platinum Plan are specified in the following Schedule of Coverages and Services.

• Pre-Departure Trip Cancellation: (Only applies beginning 24 hours prior to scheduled Cruise, Tour or Cruise/Tour departure time)
  • Maximum Limits Per Person: Cruise, Tour or Cruise/Tour Cost, Up to $20,000 (+)
  • Trip Interruption: 150 percent of the Cruise, Tour or Cruise/Tour Cost, Up to $20,000 (+)
• Post-Departure Trip Delay: Up to $1,000.00 (daily limits apply)
• Emergency Assistance: Up to $50,000
• Medical or Dental Expense Benefit: Up to $10,000

(+) $20,000 limitation is not applicable to the World Cruise.

To purchase the CPP Platinum Plan, you must include the cost of this plan in your initial trip deposit. The payment is non-refundable. No coverage is in force unless payment has been made for this plan.

The Trip Cancellation coverage becomes effective 24 hours prior to your scheduled cruise, tour or cruise/tour departure time. Other benefits and help services begin at 12:01 AM on the day you start your trip.

Coverage is only for Cruise/Tours (certain Alaska and Hawaii products only) booked through Holland America Line, Cruises booked through Holland America Line or Windstar Cruises, and Tours booked through Gray Line of Alaska or Gray Line of Seattle. Coverage does not include hotels, air or ground transportation before or after your Cruise, Cruise/Tour or Tour (including Company's Home City Air program) or any other optional programs, whether or not purchased through Company.

NOTE: The booking for this trip must be the first and only booking for this travel period and destination.

DESCRIPTION OF 24-HOUR EMERGENCY HOTLINE SERVICES - Assistance Services will be provided by CSA Insurance Service's designated provider.

HOW TO CALL THE 24-HOUR EMERGENCY HOTLINE

If you need emergency help for a covered event, you can call 24 hours a day 866-816-2068 from within the United States, or call (collect) (603) 328-1737 from anywhere else. You should have your Plan Code (1308-I) and Cruise or Tour Booking Number, your location and a local telephone number and details of the situation. The assistance provider will confirm your enrollment and assist you. If you cannot call collect from your location, dial direct and give the assistance coordinator your telephone number and location and they will call you back.

Seek local help if your emergency is immediate and life threatening, and contact the assistance provider by calling the hotline as soon as reasonably possible.

Help services have been included in this program to provide, whenever possible, on-the-spot and immediate assistance for those unexpected problems that can arise during your trip.

There may be times when circumstances beyond the assistance provider's control hinder their endeavors to provide help services; they will however, make all reasonable efforts to provide services and help resolve your problem. The assistance provider's staff will do their best to refer you to appropriate providers. However, Company, the assistance provider and CSA Insurance Services cannot be held responsible for the quality or results of any services provided by these independent practitioners.

AVAILABILITY OF SERVICES

24-Hour Hotline Services become available when you actually start your trip. Services end the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.

Medical Referral
If an emergency occurs during a trip that requires you to seek urgent medical advice you should call the 24-Hour Hotline to obtain the names of local qualified doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance as they believe to be in your best interest.

Emergency Cash Transfer
If your cash or travelers checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will, whenever possible, help arrange for an emergency cash transfer in currency, travelers checks, or other form acceptable to the assistance provider. These funds must come from your major credit card(s) or from family and/or friends.

Legal Referral
The assistance provider will provide travelers with access or referrals to the most conveniently located attorneys available during regular working hours. Assistance will also be provided in obtaining bail bonds in those geographical locations where such bonds are customarily issued. You are responsible for contracted legal fees.

Lost Ticket and Passport Assistance
The assistance provider will, whenever possible, provide you with referrals and information to assist in obtaining replacement for lost or stolen travel documents, passports, travel tickets, etc.

Emergency Prescription Refill Assistance
The assistance provider will assist you, whenever possible, in obtaining a replacement of an existing prescription when your medication has been lost, stolen, or if you are in need of a refill. The prescription will be refilled by a licensed pharmacist or other authorized personnel in the country in which you are traveling. It will be replaced with the same brand of medication prescribed in the U.S., or the equivalent in the country in which you are traveling. The refill may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Replacement medication and visit to a local physician will be at your expense.

Who is Eligible For Coverage
A person who takes a Trip, who pays the required premium, and is a resident of the United States.

When Coverage Begins
All coverage's (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of:

1. the date and time you start your Trip; or
2. 12:01 A.M. Standard Time on the Scheduled Departure Date of your Trip.

When Coverage Ends
All coverage ends on the earlier of:

1. on the date this Policy ends;
2. the date the Trip is completed;
3. the Scheduled Return Date;
4. your arrival at the return destination on a round trip, or the destination on a one-way trip; or
5. cancellation of the Trip covered by this Policy.

All coverage's under the Policy will be extended if your entire Covered Trip is covered by the Policy and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.

SUMMARY OF COVERAGES

1. Sickness, Injury, or Covered Death of you, a Family Member, or Traveling Companion; or
2. Other Covered Events as defined in this Policy.

Injury or Sickness must: 1) for Pre-Departure Trip Cancellation, commence while this policy is in force for you, or for Post-Departure Trip Interruption or Delay, commence while on your Trip; 2) require the care and attendance of a Physician at the time of occurrence; and 3) in the written opinion of the treating Physician, be so disabling as to cause a Trip to be canceled, interrupted or delayed.

Please refer to the Policy Definitions for an explanation of Pre-Existing Conditions which are excluded under the Trip Cancellation / Interruption Coverage. We will waive this exclusion for Pre-Existing Conditions if the payment for this plan is received within 1 day of the initial Trip deposit for your Trip; the amount of trip cancellation coverage purchased at that time equals the full cost of the Trip, the cost of any subsequent arrangements added to your Trip cost must be insured at that time, and the booking for this Trip was the first and only booking for this travel period and destination.

BENEFITS: Pre-Departure Cancellation
We will reimburse you for the amount of forfeited, non-refundable payments or deposits for your Trip if your Trip is canceled, or HAL will pay additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Trip is canceled and your Trip is not canceled.

BENEFITS: Post-Departure Interruption
We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, plus one of the following:

(1) the additional transportation expenses incurred by you if your Trip is interrupted, either: (a) to the return destination; or (b) from the place that you left the Trip to the place that you may rejoin the Trip; or

(2) the additional transportation expenses incurred by you to reach the original trip destination if you are delayed and leave after the Scheduled Departure Date; or

(3) your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Trip is interrupted, and your Trip is continued.

However, the benefit payable under (1) and (2) above will not exceed the cost of economy airfare (or first class, if your original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.

TRIP DELAY
We will pay for reasonable accommodation and traveling expenses until travel becomes possible up to $100 per day, to a maximum of $1,000, if your Trip is delayed for more than 12 hours.

Trip Delay must be caused by: Common Carrier delay; or lost or stolen passports, travel documents, or money; or quarantine; or natural disaster; or Injury or Sickness of you, a Family Member traveling with you, or a Traveling Companion; or Covered Death of a Family Member traveling with you or a Traveling Companion; or a documented traffic accident while you are en route to departure; or unannounced strike.

MEDICAL OR DENTAL EXPENSE / EMERGENCY ASSISTANCE
We will pay this benefit, up to the amount on the Schedule of Coverages, for the following Covered Expenses incurred by you, subject to the following:

(1) Covered Expenses will only be payable at the Usual and Customary level of payment;

(2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Trip; and

(3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in force for you.

We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:

(1) expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services and supplies, incurred by you within one year from the date of your Sickness or Injury;

(2) expenses for emergency dental treatment incurred by you during a Trip;

(3) expenses incurred for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the prior approval of the Program Medical Advisors;

(4) expenses incurred for medical evacuation, including medically appropriate transportation and medical care en route to a Hospital or to your place of residence in the USA, when deemed medically necessary by the attending Physician, subject to the prior approval of the Program Medical Advisors;

(5) expenses for transportation, not to exceed the cost of one round-trip economy class air fare, to the place of hospitalization for one person chosen by you, provided you are traveling alone and are hospitalized for more than 10 days;

(6) expenses for transportation, not to exceed the cost of one-way economy class air fare to your place of residence in the USA, including escort expenses, when an Insured who is 18 years of age or younger is left unattended due to the death or hospitalization of an accompanying adult(s), subject to the prior approval of the Program Medical Advisors;

(7) expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your place of residence in the USA, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in this Policy;

(8) expenses for preparation and air transportation of your remains to your place of residence in the USA, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the USA.

POLICY DEFINITIONS

'Common Carrier' means any land, water, or air conveyance operated under a license for the transportation of passengers for hire, not including taxi cabs, or rented, leased, or privately owned motor vehicles.

'Covered Death' means your death or the death of a Family Member or Traveling Companion or which is the direct result of a Sickness or Injury as defined in this policy.

'Elective Treatment' means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by HAL to be research or experimental or that is not recognized as a generally accepted medical practice.

'Family Member' means your or your Traveling Companion's spouse, child, spouse's child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, guardian, or ward.

'Hospital' means an institution which meets all of the following requirements: it must be operated according to law; it must give 24-hour medical care, diagnosis, and treatment to the sick or injured on an inpatient basis for which a charge is made; it must provide diagnostic and surgical facilities supervised by Physicians; registered nurses must be on 24-hour call or duty; the care must be given either on the hospital's premises or in facilities available to the hospital on a pre-arranged basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward other section of a hospital used for such purposes).

'Injury' means bodily injury caused by an accident which 1) occurs while your coverage is in force under this policy and 2) requires examination and treatment by a Physician. The injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

'Insured' means a person who takes a Trip, completes any required enrollment form, and pays any required premium. The words 'you', 'your' or 'yours' mean the Insured.

'Other Covered Events' means only the following unforeseeable events or their consequences which occur while coverage is in force under this policy:

(1) Air Carrier delays resulting from bad weather, mechanical breakdown or organized labor strikes that affect public transportation;

(2) arrangements canceled by an airline, cruise line, or tour operator, resulting from inclement weather, mechanical breakdown, or organized labor strikes that affect public transportation;

Items #1 and #2 above, are subject to the following conditions:

(a) the scheduled carrier connecting times must be 45 minutes or longer; and
(b) the scheduled time between arrival at the scheduled tour or cruise departure city and the scheduled tour or cruise departure must be 2 hours or longer.

(3) a change in plans by you, a Family Member traveling with you, or Traveling Companion, resulting from one of the following events:

(a) being directly involved in a documented traffic accident while en route to departure;

(b) being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, a Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;

(c) having a residence made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

(d) being called into active military service to provide aid or relief in the event of a natural disaster;

(e) a documented theft of passports or visas;

(f) a Terrorist Act (or acts) which occurs in Your departure city or in a city which is a scheduled destination for Your Trip, provided: the Terrorist Act (or acts) occurs within 30 days of the Scheduled Departure Date for Your Trip.

(g) A covered Trip Delay which results in the loss of more than 50 percent of your scheduled Trip length.

'Other Valid and Collectible Group Insurance' means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the Usual and Customary value of each service will be considered a Covered Expense.

'Physician' means a person licensed as a medical doctor by the jurisdiction in which he is resident to practice the healing arts. He must be practicing within the scope of his license for the service or treatment given and may not be you, a Traveling Companion or a Family Member.

'Pre-Existing Condition' means an illness, disease, or other condition during the 180 day period immediately prior to your effective date for which you or your Traveling Companion or Family Member: (1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or (2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this Policy.

'Program Medical Advisors' means individuals appointed by CSA Travel Protection.

'Scheduled Departure Date' means the date on which you are originally scheduled to leave on your Trip.

'Scheduled Return Date' means that date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.

'Sickness' means an illness or disease of the body which: requires examination and treatment by a Physician.

'Terrorist Act' means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

'Traveling Companion' means a person whose name appears with yours on the same Trip arrangement and who, during the Trip, will share accommodations with you in the same room, cabin, condominium unit, apartment unit or other lodging.

'Trip' means a scheduled trip for which coverage is elected and premium paid, and all travel arrangements are arranged prior to the Scheduled Departure Date of the Trip.

'Usual and Customary' means the usual charge made by a provider for necessary medical services, treatment or supplies. It may not exceed the general level of charges for similar necessary services, treatment or supplies made by other providers in the area where the service or treatment is given or the supply bought.

Policy Exclusions

The following exclusion applies to the Medical or Dental Expense/Emergency Assistance, Trip Cancellation/Interruption, and Trip Delay coverage's:

(1) We will not pay for loss or expense incurred as the result of a Pre-Existing Condition, as defined, including death that results there from. This exclusion does not apply to benefits for Covered Expenses item #3 (emergency medical evacuation) or item #8 (return of remains) of the Medical or Dental Expense/Emergency Assistance Benefits coverage. We will waive this exclusion for Pre-Existing Conditions if the payment for this plan is received within 1 day of the initial Trip deposit for your Trip; the amount of trip cancellation coverage purchased at that time equals the full cost of the Trip, the cost of any subsequent arrangements added to your Trip cost must be insured at that time, and the booking for this Trip was the first and only booking for this travel period and destination.

The following exclusions apply to all Coverages:

(2) This policy does not cover loss caused by, or resulting from:

a) suicide, attempted suicide, or intentionally self-inflicted injury of you, a Traveling Companion or Family Member booked to travel with you, while sane or insane (sane in CO and MO);

b) mental, nervous or psychological disorders;

c) being under the influence of drugs or intoxicants unless prescribed by a Physician;

d) normal pregnancy or resulting childbirth;

e) participation as a professional in athletics;

f) mountain climbing or bungee cord jumping;

g) riding or driving in any motor competition;

h) declared or undeclared war, or any act of war;

i) civil disorder;

j) service in the armed forces of any country;

k) nuclear reaction, radiation or radioactive contamination;

l) operating or learning to operate any aircraft, as pilot or crew;

m) parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company;

n) any unlawful acts, committed by you or a Traveling Companion (whether insured or not);

o) any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;

p) loss or damage caused by detention, confiscation or destruction by customs;

q) Elective Treatment, or medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;

r) a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when this policy is not in force for you.

Important Note: Exclusion 2, Item r. above, applies to you, a Family Member or Traveling Companion.

Travel Insurance is underwritten by:
Monumental General Casualty Company (all states except as otherwise noted) under Policy Form # TAHC2000GPC; Certificate #TAHC2000GCC

Stonebridge Casualty Insurance Company (AL, AZ, CO, DE, ID, MN, NJ, NM, NY, ND, PA, and VT) under Policy Form # TAHC5000GPS, Certificate # TAHC5000GCS.

Where To Present A Claim

All claims should be presented to the Program Administrator:

CSA Travel Protection
P. O. Box 939057
San Diego, CA 92193-9057
1-800-858-5462 (Toll Free)

Please do not use the above address or telephone numbers for amounts that you may be owed under the CPP Standard Plan. Instead, please contact your travel agent or Company.

Claims Procedures
To facilitate prompt claims settlement:

(1) Report any claim as soon as possible.
(2) Report claims directly to the Program Administrator.
(3) Upon your report of a claim, you will receive a claim form, which should be fully completed and returned along with any documentation, as explained below.

Medical or Dental Expenses/Emergency Assistance: Obtain receipts from the treating Physicians, etc., stating the amounts paid and listing the diagnosis and treatment; submit these first to any other valid and collectible group insurance plan(s). Forward a copy of their final disposition of your claim to the Program Administrator.

Trip Cancellation/Interruption: Obtain medical statements from the Physicians in attendance in the country where Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Provide all unused and/or additional transportation tickets, official receipts, etc.

After 9/1/2009 this is the Travel Policy

Cancellation Policy and Cancellation Protection Plans

Holland America Line offer passengers the opportunity to purchase either Standard Cancellation Protection Plan (CPP Standard) or the Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. and Canadian residents.

Please refer to your cruise or cruisetour confirmation for verification of whether you purchased either of these plans. The remaining text on this cover panel only applies if you purchased the CPP Platinum Plan.

POLICY NUMBER: HTP04195

Name_______________________________ Booking # __________________

This program is effective when the appropriate plan cost has been received by Holland America Line. This document then becomes your Certificate of Insurance and Description of Services.

Important: If you purchased the CPP Platinum Plan, keep this document and carry a copy with you when you travel. If you need to cancel your trip, contact your travel agent or Holland America Line immediately to cancel your reservation.

This Plan is administered by BerkelyCare, a division of Affinity Insurance Services, Inc., in all states except: AIS Affinity Insurance Agency, Inc. in CA/MN/OK; and AIS Affinity Insurance Agency in NH and NY.

Holland America Line's Cancellation Policy for the cruise or cruisetour you have selected is described in the applicable cruise line brochure. In most cases, this policy permits a full refund of the amounts received by Holland America Line (except for amounts you paid for the CPP Standard Plan or CPP Platinum Plan) if written cancellation is received by Holland America Line at least 76 days prior to the date you are to commence travel by any mode of transportation (air, rail, sea or otherwise) booked through Holland America Line. Longer notice is required for certain cruises or cruisetours. In most cases, a partial refund will be provided for later cancellations up to a certain number of days prior to commencing travel, after which no refund will be made. The brochure specifies the exact cancellation deadlines and refund amounts.

Cancellation fees apply regardless of the reason for cancellation, including medical and family matters. Given that the resale of cancelled space will likely result in a lost opportunity to sell other space, cancellation fees are due regardless of resale.

To be effective, written cancellation must be actually received by Holland America Line's Seattle, Washington office prior to the applicable deadline. The address to use is: Reservations Control, Holland America Line Inc., 300 Elliott Avenue West, Seattle, WA 98119. Cancellations may also be faxed to 1-800-628-4855; please retain your fax confirmation.

Refunds will be processed on the basis of the net payment actually received and retained by Holland America Line from your travel agent, excluding the amount paid for the CPP Standard Plan or CPP Platinum Plan. This exclusion applies even if cancellation occurs at a time when no cancellation fee would otherwise be payable. The net payment received and retained by Holland America Line would not include any amounts kept by, or paid to, the travel agent as commission, or amounts otherwise not paid by the travel agent to Holland America Line. Refunds will normally be made to your travel agent. Travel agents may impose their own cancellation fees. You are responsible for obtaining from your travel agent monies either retained by your travel agent or received by your travel agent from Holland America Line.

Airplane tickets issued by Holland America Line must be returned before the fare will be refunded. Cruise and cruisetour contracts are non-transferable. Name changes (if allowed) and departure date changes are considered cancellations and are subject to cancellation fees.

Holland America Line offer passengers the opportunity to purchase either Standard Cancellation Protection Plan (CPP Standard) or the Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. and Canadian residents.

CPP STANDARD PLAN: Our CPP Standard Plan allows you, for any reason, to provide written cancellation up to 24 hours prior to scheduled cruise or cruisetour departure and receive a cash refund equal to 80 percent of the eligible amounts paid (90 percent if you purchased HAL's CPP Platinum Plan). In addition, Holland America Line automatically assumes an additional $500 of liability for lost, damaged or delayed baggage of passengers who purchase the CPP Standard Plan still subject, however, to the limitations in HAL's baggage policies. For example, HAL does not cover losses while baggage is in the custody of airlines. Our baggage policies are explained in detail in HAL's brochure and Cruise and Cruisetour Contract.

The CPP Standard Plan is not insurance; it provides no rights other than those explained above. For example, it does not protect double-triple-quad occupancy rates should one or more members of your party cancel nor does it cover expenses or unused services due to trip interruption.

CPP PLATINUM PLAN: Our CPP Platinum Plan enables you to supplement the CPP Standard Plan with insurance coverage underwritten by Virginia Surety Company, Inc. under Policy Number HTP04195. The CPP Platinum Plan also includes various travel assistance services arranged by BerkelyCare. Neither BerkelyCare nor the insurers are affiliated with Holland America Line. The specific coverage and services available under the CPP Platinum Plan are specified in the following Plan Description - Schedule of Benefits and Services.

The benefits provided in this Plan are subject to certain restrictions and exclusions. Please read this brochure in its entirety for a complete description of all terms and conditions.

PART A: TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation
In the event You are prevented from taking Your Cruise/Cruisetour and must cancel prior to Your Cruise/Cruisetour, the Insurer will pay benefits, up to the amount listed in the schedule for non-refundable cancellation charges imposed by Holland America Line or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a Traveling Companion cancels his/her Cruise/Cruisetour for a covered reason and You do not cancel. The maximum payment from the Insurer for Trip Cancellation is 90 percent of the amount You actually paid for Your Cruise/Cruisetour.

Trip Delay
If You have a covered Trip Delay, the Insurer will pay benefits for Covered Expenses, up to $500. Trip Delay means that your Cruise/Cruisetour is delayed due to inclement weather, strike or other job action, or equipment failure of a Common Carrier; a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved; lost or stolen passports, travel documents, or money; quarantine; hijacking; natural disaster including hurricane; civil commotion or riot.

Covered Expenses include any prepaid, unused, non-refundable Sea/Land Arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Sea/Land Arrangements or return to the place of origin shown on the travel documents.

Trip Interruption
In the event Your Cruise/Cruisetour is interrupted because You are prevented from continuing Your participation in Your Cruise/Cruisetour, because:

(a) You or Your Traveling Companion suffers a death or an Injury or Sickness which results in medically imposed restrictions, as certified by a Physician, at the time of loss preventing Your participation or continued participation in the covered Cruise/Cruisetour, or a non-traveling Immediate Family member suffers an Injury, Sickness, or death; or

(b) a Terrorist Act (or acts) occurs in a city which is still a scheduled destination for Your Cruise/Cruisetour, provided: the Terrorist Act (or acts) occurs within 30 days of the scheduled departure date for Your Cruise/Cruisetour or during Your Cruise/Cruisetour; or

(c) You or Your Traveling Companion (i) is hijacked or quarantined, (ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; (iii) has a documented theft of passports or visas.

The Insurer will pay benefits, up to the amount listed in the schedule for unused, non-refundable land or sea expenses prepaid to Holland America Line (determined, as to Your Cruise/Cruisetour fare, on a pro rata basis with reference to the remaining days of Your Cruise/Cruisetour relative to the total scheduled days) and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Sea/Land Arrangements (limited to the cost of one-way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets). The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodations and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Cruise/Cruisetour. Important: Any Sickness or Injury causing You to interrupt Your Cruise/Cruisetour must be verified by a Physician before You terminate the Cruise/Cruisetour. The maximum payment from the Insurer for Trip Interruption is 150 percent of the amount You actually paid for Your Cruise/Cruisetour.

Special Conditions: You must advise Your travel agent, Holland America Line and BerkelyCare as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.

IMPORTANT: You must be medically capable of travel on the day You purchase this plan. The event which necessitated the trip interruption must first occur after Your effective date of Trip Interruption coverage.

PART B: MEDICAL PROTECTION

Emergency Evacuation and Repatriation of Remains

The Insurer will pay benefits for Covered Expenses if an Injury or Sickness commencing during the course of the Cruise/Cruisetour results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants an Emergency Evacuation. Emergency Evacuations must be verified, approved, and arranged in advance by On Call International. The Insurer will also pay the reasonable Covered Expenses incurred, to return Your body to Your point of origin if You die during the Cruise/Cruisetour. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Cruise/Cruisetour.

Emergency Evacuation means:
(a) Your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained; and/or (b) after being treated at a local hospital, Your medical condition warrants Transportation to Your origination point to obtain further medical treatment or to recover.

Covered Expenses are customary and reasonable expenses, up to $50,000, for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. Expenses for medical services and supplies must be recommended by the attending Physician. All Transportation arrangements made for Your evacuation must be by the most direct and economical route possible. Expenses for Special Transportation must be:

(a) recommended by the attending Physician;

(b) required by the standard regulations of the conveyance transporting You;
AND

(c) verified, approved, and arranged in advance by On Call International.

Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles.

Additional Covered Expenses: If You are hospitalized for more than seven (7) days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under 25 to their home, limited to the cost of one-way economy airfare, less the value of applied credit from an unused return travel ticket, with an attendant if necessary; and/or (b) up to the cost of round-trip economy airfare to bring a person chosen by You to and from Your bedside if You are traveling alone. These expenses must be authorized in advance by On Call International.

The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Cruise/Cruisetour.

PLEASE NOTE: In no event will Covered Expenses for Emergency Evacuation and Repatriation of Remains exceed $50,000.

Medical and Dental Expense
The Insurer will pay benefits, up to $10,000, if You incur necessary Covered Medical and Dental Expenses as a result of an Injury or Sickness. The accident causing such Injury must occur during Your Cruise/Cruisetour. Similarly, the Sickness must first manifest itself during Your Cruise/Cruisetour. Only dental expenses for emergency treatment incurred during Your Cruise/Cruisetour are covered.

Covered Medical and Dental Expenses are necessary services and supplies which are recommended by the attending Physician and are received during Your Cruise/Cruisetour or, if you leave the Cruise/Cruisetour because of the Injury or Sickness, are received before you return home. They include the services of a legally qualified Physician, surgeon, graduate nurse, dentist, or osteopath; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments and laboratory tests; ambulance service; drugs, medicines, and therapeutic services and supplies. The Insurer will not pay benefits in excess of the reasonable and customary charges commonly used by providers of medical care in the locality in which the care is furnished.

PART C: WORLDWIDE EMERGENCY ASSISTANCE (On Call International)

On Call International (On Call) provides a 24-hour emergency telephone assistance service for Your benefit so that, in the event of an emergency during the term of this coverage, English-speaking help and advice may be furnished.

Emergency Cash Transfer Assistance
If You need emergency cash during Your Cruise/Cruisetour, On Call can help arrange a transfer through Your credit cards, family, friends, employer, or similar source.

Medical Consultation and Monitoring
Should You need local medical care during Your Cruise/Cruisetour, On Call can assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving.

Emergency Legal Assistance
During the course of Your Cruise/Cruisetour, You may visit many foreign countries. Should any problems arise requiring legal assistance, On Call can help You find English-speaking local counsel.

Emergency Medical and Dental Assistance
Unexpected medical and dental emergencies can happen anywhere, anytime. You may be in unfamiliar surroundings when You suddenly need medical or dental care. On Call can help You locate an English-speaking Physician or dentist or the nearest qualified medical facility, and can also assist in arranging for special emergency medical transportation, such as an air ambulance.

Lost Travel Documents Assistance
On Call's multilingual staff can provide assistance in handling unexpected complications such as lost passports, tickets, luggage, or other valuable travel documents or belongings.

Emergency Medical Payment Assistance
Many foreign hospitals require immediate settlement of bills before treatment or may withhold Your passport until they receive full payment. Physicians and hospitals worldwide can contact On Call to help You arrange, if required, immediate settlement of Covered Medical Expenses if other sources are not available.

Note that the problems of distance, information, and communications make it impossible for Virginia Surety Company, Inc., BerkelyCare, or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, You are still responsible for obtaining, using, and paying for Your own required services of all types.

1.'Business Partner' - means an individual who is: (a) involved with You in a legal partnership; and (b) actively involved in the day-to-day management of the business.

2.'Common Carrier' - means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.

3.'Cruise/Cruisetour' - means prepaid Sea/Land Arrangements and shall include flight connections to join and depart such Sea/Land Arrangements.

4.'Domestic Partner' - means a person with whom You reside and can show evidence of cohabitation for at least the previous six months and have an affidavit of domestic partnership, if recognized by the jurisdiction within which You reside.

5.'Immediate Family' - means children, step- or adopted children, children-in-law, parents, step-parents, parents-in-law, siblings, step-siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews, cousins, Business Partner, or a Domestic Partner of You or Your Traveling Companion.

6.'Injury' - means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.

7.'Insurer'- means Virginia Surety Company, Inc.

8.'Physician' - means a licensed practitioner of medical, surgical, or dental services acting within the scope of his/her license. The treating Physician may not be yourself, a Traveling Companion, or an Immediate Family member.

9.'Sea/Land Arrangements' - means land and/or sea arrangements made by Holland America Line.

10.'Sickness' - means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.

11.'Terrorist Act' - means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared), that results in loss of life or major damage to property, by any person acting on behalf of, or in connection with, any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

12.'Traveling Companion' - means one person who is booked to share accommodations with You on Your Cruise/Cruisetour.

13.'You'or 'Your'- means a person who has purchased a Cruise/Cruisetour and who has paid the required plan cost for the benefits and coverage's provided hereunder.

Naturally, as with any protection plan, limitations exist. These exclusions enable HAL to provide a broad range of benefits at an economical cost to You, without the necessity of medical questionnaires, and to supplement Your existing insurance plans.

THIS PROTECTION PLAN DOES NOT COVER:

IN PARTS A and B:

ANY LOSS CAUSED BY OR RESULTING FROM: Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; while serving as a member of the armed services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; participation in any professional, semi-professional, or inter-scholastic team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; scuba diving, unless it is recreational diving at less than 130 feet in depth; skydiving; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; non-emergency dental treatment or surgery; elective abortion; normal pregnancy except if hospitalized; mental or nervous disorders except if hospitalized.

1) This protection is valid only upon payment to Holland America Line of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.

2) The Trip Cancellation protection provided under Part A takes effect upon receipt of the required plan cost by Holland America Line and ends upon the commencement of Your Sea/Land Arrangements.

3) The remaining coverage's and services provided take effect at 12:01 A.M. local time at Your location on the contracted departure date of Your Sea/Land Arrangements and terminate on the earlier of the following: (a) Your return to Your origination point (as specified in the travel tickets); or (b) 11:59 P.M. local time at Your location on the day the Sea/Land Arrangements are scheduled to be completed; or (c) the date You cancel Your Cruise/Cruisetour.

4) The duration of coverage shall be extended under the following conditions: (a) when You commence air travel from Your origination point (i) within 2 days before the commencement of the Sea/Land Arrangements, coverage shall apply from the time of departure from the origination point; (ii) greater than 2 days before the commencement of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel; and (b) if You return to Your origination point (i) within 2 days after the completion of the Sea/Land Arrangements, coverage shall apply until the time of return to the origination point; (ii) greater than 2 days after the completion of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel.

1) TRIP CANCELLATION CLAIMS: Call Your travel agent, Holland America Line and BerkelyCare IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.

2) EMERGENCIES ARISING DURING YOUR CRUISE/CRUISETOUR: For covered emergencies requiring evacuation or interruption of Your Cruise/Cruisetour, contact On Call International immediately at the following numbers.

* If You have any difficulty making this collect call, contact the local phone operator to connect You to a U.S.-based, long-distance service. In this case, please let the Assistance Provider answering the phone know the number You are calling from, so that he/she may call You back. Any charges for the call will be considered reimbursable benefits.

3) CLAIMS NOTIFICATION UPON YOUR RETURN: Report Your claim as soon as possible to BerkelyCare. Provide the policy number above, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, BerkelyCare will promptly forward You the appropriate form to complete.

IMPORTANT: In order to facilitate prompt claims settlement upon Your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the accident or Sickness occurred; receipts for medical services and supplies; receipts from the hospital. In the event of a trip delay claim, receipts for any additional covered/eligible expenses will be required, as well as verification of any delay.

This program was designed for the guests of Holland America Line by:

This plan was designed and is administered by BerkelyCare, a division of Affinity Insurance Services, Inc., in all states except: AIS Affinity Insurance Agency, Inc. in CA/MN/OK; and AIS Affinity Insurance Agency in NH and NY. Claims are administered by BerkelyCare, a division of Affinity Insurance Services, Inc., in all states except: Aon Direct Insurance Administrators in CA; AIS Affinity Insurance Agency, Inc. in OK; and AIS Affinity Insurance Agency in NH and NY. CA License #0795465.

Our crew works very hard to make sure that every aspect of your cruise meets the highest standards. This includes those crew members who serve you directly, such as HAL's dining room wait staff and the stewards who tend to your stateroom each day. There are also many others that tend to your care that you may never meet, such as galley and laundry staff. To ensure that the efforts of all of HAL's crew members are recognized and rewarded, a daily Hotel Service Charge of US$11 per passenger is automatically charged to each guest's shipboard account. If HAL's service exceeds or fails to meet your expectations, you are free to adjust this amount at the end of the cruise. The Hotel Service Charge is paid entirely to Holland America Line crew members, and represents an important part of their total compensation package. A 15 percent service charge is automatically added to bar charges and dining room wine purchases. In terminals, airports, ports of call and on shore excursions, HAL suggests that you extend gratuities consistent with customary local practices.

The per person, per cruise deposit requirements to secure reservations and Cancellation Protection Plan amounts are listed with the cruise fares in the Holland America brochure. Deposits are generally due within 5 days after reservation date. Cancellation Protection Plan, if desired, must be paid for at time of deposit.

Final payment is generally due no later than 75 days prior to departure although some cruises have different final payment date requirements. Please consult the Holland America Line brochure for the final payment date applicable to your cruise. In most cases, HAL is able to provide you with travel documents, including your Cruise and CruiseTour Contract, approximately 30 days prior to departure.

Payment by American Express, VISA, MasterCard or Discover Card is accepted. For faster processing, please include a confirmation number on your check. Travel agents please note that MCOS will not be accepted.

Travel agents or consumers outside the U.S. and Canada should make payment by wire transfer or passenger's credit card.