NOTICE OF EXPANDED COVERAGEIn addition to the benefit statement below, travelers will also be eligible for coverage with Travelex policies purchased on or after April 24, 2010 if their trip departs May 6, 2010 or thereafter and the resulting cancellation occurs after May 6, 2010.

This expanded coverage only applies to plans underwritten by Nationwide Mutual Insurance Company and affiliated companies and United States Fire Insurance Company.

Explanation of Benefits Update

Coverage for plans underwritten by Nationwide Mutual Insurance Company and affiliated companies or United States Fire Insurance Company

Ash clouds from the volcanic eruption in Iceland have caused flight delays in major European airports and beyond. While most airports have recovered from the event and are maintaining normal flight schedules, Travelex Insurance Services is pleased to provide our travelers with coverage should they experience an upcoming travel disruption.

Travelers are eligible for coverage with any future travel issues that occur due to the volcanic eruption over glacier Eyjafjallajokull. This will protect a traveler for any new eruptions to the same volcano or neighboring volcano, as well as any travel disruptions due to the current ash cloud produced by the volcano.

Travelers who purchased a Travelex policy according to these dates will be eligible for coverage:

• On or before April 14, 2010 or
• On or after May 5, 2010

Resulting volcanic ash clouds will be considered a covered reason due to weather and a loss due to the physical eruption of a volcano will be considered a covered reason under natural disaster. Coverage is subject to the terms and conditions of the policy and applies in the following areas:

Trip Cancellation / Trip Interruption Coverage

• Weather that causes complete cessation of services of the common carrier for at least 24 consecutive hours.*
• Delayed arrival due to a covered reason (defined under Trip Delay) causing 50% or more of the covered trip to be missed. (Does not apply to Travel Select for residents of NY or WA or Travel Basic).
• Natural disaster at the site of your destination that renders the destination accommodations uninhabitable.

Trip Delay Coverage

• Delay while en route to or from final destination for at least 5 hours or more due to a covered reason, such as delay of common carrier or due to a natural disaster.*

Extended Coverage

• Common carrier delay causes the covered trip to be prolonged beyond the scheduled return date.

24 Hour Travel Assistance Services

• Travelers stranded abroad can receive assistance ranging from emergency travel arrangements and money transfers to message relay services. Simply call the travel assistance phone number listed on your Confirmation of Coverage.

Travelers who purchased a Travelex policy on and between April 15, 2010 and April 23, 2010 are not eligible for coverage for known events due to the volcanic eruption and the resulting ash cloud.

For additional information please visit:

http://www.travelexinsurance.com/index.aspx?LOCATION=38-6099&go=bp

or call 800-228-9792