Important information about your Discover More Card
Know what to expect before you apply for a card by browsing the specific terms that may be offered to you based on your credit history.
|
Annual Percentage Rate (APR) For Purchases |
N/A% for N/A months from the date of account opening,* then the standard APR, |
|
Other APRs |
Balance Transfers: N/A% until the last day of the billing period ending during N/A*, the the standard APR for purchases. Cash Advances: N/A% variable Default Rate: N/A%* variable and up to 23.99% variable for purchases; up to 28.99% variable for cash advances* |
|
Variable Rate Information |
N/A† |
|
Grace Period for Repayment of the Balance of Purchases |
N/A |
|
Method of Computing the Balance for Purchases |
N/A |
|
Foreign Currency Transaction Fee |
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Annual Fee |
N/A |
|
Minimum Finance Charge |
$N/A |
|
Balance Transfer Transaction Fee |
N/A |
|
Cash Advance Transaction Fee |
N/A |
|
Late Fee |
N/A |
*Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR. Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history. See Cardmember Agreement for details.
†The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. For the standard purchase rate and the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.
INTRODUCTORY/PROMOTIONAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit limit may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit limit. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to US residents 18 and older. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of January 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. Please allow 30 days for us to process your application.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You agree to be bound by the terms of the Cardmember Agreement, which will be sent with the Card. You also agree that the Cardmember Agreement and the Account are governed by Delaware and federal law. The terms and conditions of your account, including rates and fees, are subject to change.
ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.
OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made a select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the dollar amount of purchases specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.
|
Annual Percentage Rate (APR) For Purchases |
N/A% for N/A months from the date of account opening,* then the standard APR, |
|
Other APRs |
Balance Transfers: N/A% for 6 months from the date of account opening*, then the standard APR for purchases. Cash Advances: N/A% variable Default Rate: N/A%* variable and up to 23.99% variable for purchases; up to 28.99% variable for cash advances* |
|
Variable Rate Information |
N/A† |
|
Grace Period for Repayment of the Balance of Purchases |
AN/A |
|
Method of Computing the Balance for Purchases |
N/A |
|
Foreign Currency Transaction Fee |
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Annual Fee |
N/A |
|
Minimum Finance Charge |
$N/A |
|
Balance Transfer Transaction Fee |
N/A |
|
Cash Advance Transaction Fee |
N/A |
|
Late Fee |
N/A |
*Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR. Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history. See Cardmember Agreement for details.
†The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. For the standard purchase rate and the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.
INTRODUCTORY/PROMOTIONAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit limit may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit limit. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to US residents 18 and older. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of January 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. Please allow 30 days for us to process your application.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You agree to be bound by the terms of the Cardmember Agreement, which will be sent with the Card. You also agree that the Cardmember Agreement and the Account are governed by Delaware and federal law. The terms and conditions of your account, including rates and fees, are subject to change.
ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.
OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made a select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the dollar amount of purchases specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.
|
Annual Percentage Rate (APR) For Purchases |
N/A% for N/A months from the date of account opening,* then the standard APR, |
|
Other APRs |
Balance Transfers: N/A% for 6 months from the date of account opening*, then the standard APR for purchases. Cash Advances: N/A% variable Default Rate: N/A%* variable for purchases and up to 29.99% variable for cash advances* |
|
Variable Rate Information |
N/A† |
|
Grace Period for Repayment of the Balance of Purchases |
N/A |
|
Method of Computing the Balance for Purchases |
N/A |
|
Foreign Currency Transaction Fee |
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Annual Fee |
N/A |
|
Minimum Finance Charge |
$N/A |
|
Balance Transfer Transaction Fee |
N/A |
|
Cash Advance Transaction Fee |
N/A |
|
Late Fee |
N/A |
*Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR. Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history. See Cardmember Agreement for details.
†The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. For the standard purchase rate and the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.
INTRODUCTORY/PROMOTIONAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit limit may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit limit. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to US residents 18 and older. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of January 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. Please allow 30 days for us to process your application.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You agree to be bound by the terms of the Cardmember Agreement, which will be sent with the Card. You also agree that the Cardmember Agreement and the Account are governed by Delaware and federal law. The terms and conditions of your account, including rates and fees, are subject to change.
ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.
OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made a select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the dollar amount of purchases specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.
|
Annual Percentage Rate (APR) For Purchases |
N/A% for N/A months from the date of account opening,* then the standard APR, |
|
Other APRs |
Balance Transfers: N/A% for 6 months from the date of account opening*, then the standard APR for purchases. Cash Advances: N/A% variable Default Rate: N/A%* variable and up to 23.99% variable for purchases; up to 28.99% variable for cash advances* |
|
Variable Rate Information |
N/A† |
|
Grace Period for Repayment of the Balance of Purchases |
N/A |
|
Method of Computing the Balance for Purchases |
N/A |
|
Foreign Currency Transaction Fee |
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Annual Fee |
N/A |
|
Minimum Finance Charge |
$N/A |
|
Balance Transfer Transaction Fee |
N/A |
|
Cash Advance Transaction Fee |
N/A |
|
Late Fee |
N/A |
*Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR. Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history. See Cardmember Agreement for details.
†The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. For the standard purchase rate and the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.
INTRODUCTORY/PROMOTIONAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit limit may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit limit. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to US residents 18 and older. To apply with a joint applicant,
write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of January 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. Please allow 30 days for us to process your application.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You agree to be bound by the terms of the Cardmember Agreement, which will be sent with the Card. You also agree that the Cardmember Agreement and the Account are governed by Delaware and federal law. The terms and conditions of your account, including rates and fees, are subject to change.
ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.
OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made a select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the dollar amount of purchases specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.