1. MasterCard Gold Benefits provided by MasterCard. Certain restriction, limitations and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that not affiliated with MasterCard or Mid America Bank & Trust Company. Complete terms and conditions will be provided to you upon credit application approval.
2. Under MasterCard's zero liability policy, you will have no liability for unauthorized purchases made using your MasterCard and account provided the following preconditions are met: (a) your account is in good standing, (b) you have exercised reasonable care in safeguarding your card from any unauthorized use (unauthorized use means you did not provide, directly, by implication or otherwise, the right to use your card and you received not benefit from the unauthorized purchase), and (c) you have not reported two or more unauthorized events in the past 12 months. MasterCard's zero liability policy does not apply if a PIN for a debit transaction is used for the unauthorized purchase. MasterCard's policies are subject to change. Visit MasterCard's Zero Liability link at www.mastercard.com/zeroliability.