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					Membership

       “AAA is the smart
        choice for us.”
           Annette & Sophie
           hermAn
           AAA memberS




        MeMbership
        beNeFiTs GUiDe
        • roaDsiDe assisTaNce
        • iNsUraNce
        • Travel plaNNiNG
        • FiNaNcial services
        • MeMber saviNGs
        • aaa.coM




 I choose AAA
                 Welcome
Dear Member,

  As a AAA member, you belong to one of the largest
membership organizations in the world. AAA has served
members since 1900, and our number-one priority contin-
ues to be high-quality, personal service. Today, there are
more than 51 million members served at over 1,100 Travel
and Insurance Centers in the United States and Canada.

   There’s more value in AAA membership than you ever
imagined! Take advantage of everything that AAA mem-
bership has to offer. Membership provides automotive and
emergency services, complete travel planning, top-quality
financial services, Show Your Card & Save® discounts and
Home, Auto, and Life Insurance. AAA gives you protection,
convenience and savings when you are driving, traveling
far away or close to home.

   The AAA Member Benefit Guide is intended to help you
take full advantage of your membership. Read it over, then
keep it handy for easy reference any time you have a ques-
tion about your benefits.

  Thank you for the opportunity to serve you in the years
ahead.



H. Thomas Chestnut, President and CEO




             I choose AAA


ViSit: YoUr local aaa | CALL: 1-800-836-clUb | CLiCK: aaa.coM

2
             Benefit Guide
Membership .......................................................5
  • Membership Overview
	 • Additional Coverage Levels
	 • Membership Benefits
aaa car care plus®..........................................11
approved auto repair program ......................13
roadside assistance services .........................14
	 • Policies and Procedures
TripTiks®, Tourbooks®, & Maps ...........................19	
	 • Auto Travel Services
Travel agency ...................................................21
	 • Products and Policies
aaa.com ..........................................................25
	 • Online Travel Planning
	 • Manage Your Own AAA Membership
	 • Internet TripTik®
Driver Training....................................................26
	 • Driver Improvement Program
	 • 5-Hour Pre-Licensing Course
	 • AAA Driving Academy
	 • Driving Programs for Seniors
insurance ..........................................................28
	 • Automotive Insurance
	 • Homeowners Insurance
	 • Life Insurance
	 • Benefits of AAA Insurance
Financial ...........................................................31
	 • Financial Services
	 • AAA Visa® Credit Card
savings & benefits ............................................33	
	 • Show Your Card & Save®
   •
	 	 Discount Tickets for Movies, Car Wash and
     Amusement Parks
	 • AAA Travel Store
The aaa promise ..............................................38
privacy Notice ...................................................39

                                                                     3
       Phone Numbers

eMerGeNcY roaD service
     1-800-222-4357 (1-800-aaa-help)


    MeMber service ceNTer
         1-800-836-clUb (2582)


                  Travel
               1-800-937-1222


              TTY NUMbers
    bUFFalo      rochesTer            sYracUse
716-634-3811     585-461-1876     315-451-5020

              Dial 711 for New York
               state relay service




4
               Membership




   Your aaa membership not only provides
 peace of mind in the event of a breakdown
  but also serves as your special passport to
  valuable benefits, services and discounts.
 read on to find out why more than 51 million
      members nationwide choose aaa.

                  Your basic Membership
    Just as your license allows you to drive any car, your AAA member-
ship covers you when you are in any vehicle whether you are the driver
or the passenger. You should carry your card with you at all times. The
first person in a household who joins the Club is referred to as the Pri-
mary Member. Other members in your household are not eligible to use
your card, but they can be added to your membership at a discounted
Associate Member rate. A separate membership card will be issued for
each person. Associate Members must carry the same coverage, either
Basic, Plus/RV® or Premier/RV®, as the Primary Member.

        here are just a few of the benefits
         that all aaa members receive:

	
• Discounts on Home, Auto       • Discounted movie tickets and car
  and Life Insurance              wash tickets
• Full-service Travel Agency      M
                                • 	 ember Savings through the Show
                                  Your Card & Save® program
• 24-Hour Emergency
  Roadside Assistance           • Driver programs for teens and adults
• Free TripTiks , TourBooks , • AAA.com
              ®             ®

  and maps
                              • AAA Approved Auto Repair
• AAA Worldpoints®
   Visa® Card                 • AAA Car Care Plus®


                                                                       5
                 Membership
              adding extended benefits
   Members are eligible to upgrade to AAA Plus/RV® and/or AAA
Premier/RV® offering enhanced benefits. See below for a comparison.
Emergency Road Service benefits become available 10 days after your
membership upgrade occurs.


                     aaa basic® benefits
                 Sets the standard in Roadside Assistance

Towing - Free tow back to AAA fa-
cility that comes to your rescue, the
closest AAA Auto Repair facility, or
up to five miles elsewhere.
Tire Change - Vehicle’s inflated
spare will be installed; dual wheels
excluded.
Locksmith Service - Coverage or reimbursement of locksmith ser-
vices up to $50 to gain entry or replace broken or missing keys.
Battery Service - An attempt will be made to start your vehicle.
Extrication/Winching - One service vehicle and driver will extricate
your vehicle when it can be safely reached from a normally traveled
road or established thoroughfare.
Fuel Delivery - Delivery of sufficient fuel (at pump prices) to reach
the nearest facility.
Trip Interruption - None.


                    aaa plus/rv® benefits
                      Our most popular membership

AAA Plus/RV includes all of the above plus…
             ®

Towing - Up to 100 miles anywhere.
Tire Change - Same as Basic Mem-
bership; dual-wheeled recreational
vehicles will be serviced.
Locksmith Service - Coverage or
reimbursement of locksmith services
up to $100 to gain entry, replace
broken or missing keys or make the vehicle operable.
Battery Service - An attempt will be made to start your vehicle.
Extrication/Winching - Second service vehicle and driver for one hour.
Fuel Delivery - Delivery of sufficient fuel (at no charge) to reach the
nearest facility.
Trip Interruption - Protection up to $350. (See details on page 8)



6
                 Membership
                 aaa premier/rv® benefits
                       For the most personal service

AAA Premier/RV includes all of the above plus…
                   ®

Towing - Up to 200 miles towing on
one of four allowable service calls per
year. 100 miles of towing still applies
on the remaining three allowable
calls per year.
Complimentary Rental Car -
Standard-class rental available for
one day at no charge if member’s ve-
hicle is towed in the Western & Central New York area on one of the
four allowable service calls per year and transportation is needed. (See
details on page 8).
Trip Interruption - Protection up to $1000. (See details on page 8)
Same rules and regulations apply to both AAA Plus/RV® and AAA Pre-
mier/RV® Trip Interruption.
Fee Free Travel Planning and Booking - AAA Travel Experts will
book your flights, cruises, or tour packages – as well as provide all kinds
of travel advice – with no service fees charged to Premier members. This
can save you $25 - $50 with every booking!
Travel Discount - Up to $100 travel discount per year on tour/cruise
package purchased through AAA WCNY travel agent. (See details on
page 9)
Free Hertz #1 Club Gold Membership - One year membership of-
fering enhanced service at 42 major airports in 22 countries. (See details
on page 9)
Concierge Travel Services - Exclusive toll-free number at
1-888-222-3666 for services such as: en-route travel directions, sport-
ing/theater/dinner tickets and reservations, free international maps and
guidebooks, golf tee times and reservations, and more...
Used Car History Info - Receive up to two free vehicle history “Car
Fax” reports annually.
Accident Assist - Help contacting family members, locating accommo-
dations/restaurants out of town following an accident or breakdown.
Discounts - Periodic discounts available in our AAA Travel Store, AAA
Driving Academy and classes, extended automobile warranties, special
travel packages, and more...
Mechanical Questions - ASE-certified personnel available to answer
questions on performance, diagnosis of problems and to verify or esti-
mate repairs.

   The extended coverages of AAA Plus/RV® and AAA Premier/RV® also
include motorcycles, motor homes, and pickup trucks with a camper and
travel trailers - in addition to private passenger cars.
   Memberships can be updated at any time by calling 1-800-836-CLUB, visiting
any of our Travel and Insurance Centers listed on the back cover or by managing
your own account on AAA.com.
   Note: AAA Plus/RV® benefits begin ten days after receipt of Plus dues. AAA Plus/
RV® and AAA Premier/RV® service will not be rendered for pre-existing problems.

                                                                                 7
               Membership
    Trip interruption protection - up to $350
   In the event an auto trip* is delayed or canceled due to mechanical
disablement, a collision causing disablement or theft of your eligible
vehicle, AAA Plus/RV® provides reimbursement up to $350 for food
and lodging OR a car rental (AAA Premier/RV® allows for reimburse-
ment allowance of up to $1000). At the member’s option, a rental car
can be secured to continue the trip or return home OR seek temporary
lodging and food while waiting for repairs (NOT BOTH). All cover-
ages cease upon returning home. Coverage for food and lodging ceas-
es when vehicle is repaired. Members must provide dated, itemized
receipts and proof of disablement for reimbursement consideration.
Miscellaneous expenses, such as telephone charges and car rental
insurance options, are not covered. One claim allowed per incident.
Delays due to extreme weather conditions are not reimbursable in the
absence of specific mechanical failure. Food/Lodging receipts must be
for establishments in the same vicinity as the breakdown.
Note: AAA Plus/RV® benefits begin ten days after receipt of Plus dues.
*Definition of Trip: Travel beyond 50 miles from permanent residence with a
 qualified disablement involving an overnight delay.



              complimentary rental car
   AAA Premier/RV® provides a rental car for one day per membership
year in the event of a breakdown within the Western & Central New
York area in which transportation is needed. AAA Premier/RV® mem-
bers will be required to contact AAA WCNY in the event of a roadside
service issue. Upon determination that a vehicle tow is required, AAA
WCNY will contact Enterprise and must provide a Corporate Class ID
at the time of reservation for the rental to qualify for the terms of this
agreement.

Liability Protection:
   Premier Members will be required to protect themselves, Enterprise
and AAA WCNY from liability exposure. Liability will be carried by, and
maintained at the members expense on their personal auto policy or
by purchasing supplemental coverage from Enterprise. The member
assumes full financial responsibility for damage or loss to the rental
vehicle.
   In the event that the rental term exceeds one day (portion covered
by AAA Premier Program) the member will be responsible for the cost
of the rental for any time period beyond the first day, including all li-
ability/collision/comprehensive protection.
   Vehicles under these terms will be available at any Enterprise loca-
tion in Western or Central New York during regular business hours.
After business hours, reservations may be made in order to acquire
a vehicle immediately at the open of business the next day. Members

8
                Membership
may pick up the vehicle at the rental office or may take advantage of
the Enterprise free pick-up service if available.
   This offer is available to renters/members ages 25 and up with a
valid credit card in their name. Those under age 25 are subject to sur-
charges payable to Enterprise.
   Arrangements can also be made directly with Enterprise for renters
who do not possess a credit card in their name.
AAA Premier/RV® will cover the cost of a mid-size vehicle for a period of one
24 hour day. Maximum reimbursement is $45.00. Members may upgrade the
vehicle taken at their own expense. AAA is not responsible for Enterprise hours
of operation, locations, inventory or service.



                  premier Travel Discount
  AAA Premier/RV® members receive a travel discount of up to $100
on tour, cruise, or group packages and booked through AAA.

             TRIP COST                        PREMIER DISCOUNT
              $3,000+                                 $100.00
        $2,000 - $2,999.99                            $50.00
        $1,000 - $1,999.99                            $25.00

One discount per membership year per household. One discount per
trip. Automatic void of benefit upon downgrade. Membership must
be at Premier status at time of travel booking. Not valid on purchase
of airline tickets. Discount must be redeemed through a AAA Western
and Central New York travel agent and currently not available with
online bookings. Discount cannot be combined with any other dis-
count program or travel coupons.



          hertz #1 club Gold Membership
  Your AAA Premier/RV® membership entitles you to one year of free
membership in the Hertz #1 Club Gold, a time-saving benefit for travelers
and a $60 value. Basic and Plus/RV® members may join at a 50% discount.

Benefits of Hertz #1 Club Gold Membership
• Speed and expedited service
• By-pass the rental counter and go straight to your vehicle
• Instant vehicle return

How to enroll
• Basic, Plus/RV®, and Premier/RV® Members can enroll online at
  AAA.com/Hertz.
• Premier/RV® members who are already enrolled in the #1 Club Gold
  program may call Hertz at 800-CAR-GOLD and advise that you are
  a AAA member entitled to a fee-waived membership for one year.
  Hertz will verify and authorize the fee waiver.

                                                                             9
                Membership
   Premier members who rent a car at least four times during the initial
introductory year may continue to enjoy this service at no charge. If that
level usage is not maintained, members will revert to a 50% discounted
#1 Club Gold enrollment fee.

               Membership refund policy
   Members will receive a refund if the membership is canceled within
thirty days of the renewal date or join date. Entrance fees will not be re-
funded. If road service, travel, or attraction discounts are used within thirty
days, the cost of service or discount will be deducted from the refund.

                automatic Dues renewal
   Authorize your AAA dues to be charged each year to your AAA/
Visa® or another credit card (Visa®, MasterCard or Discover) to prevent
any lapse in your AAA membership coverage.

                     Membership review
   AAA Western and Central New York is a not-for-profit organization.
Annual membership dues fund the member services. It is the responsibility
of the organization to monitor individual member expenses in order to
maintain reasonable membership dues for all members.
   During this annual monitoring, all memberships that have service
expenses significantly exceeding generated revenue will be reduced to
the Basic level of membership the next membership year.

                   Membership renewal
   If payment is late and received within 90 days after the due date, the
original expiration date of your membership will not be changed, unless
you request otherwise. If requested, the revised membership will com-
mence upon payment and will expire the following year on the last day
of the month in which payment was received. In that event, additional
fees will apply as follows:
   • Entrance fee
   • 10-day wait for AAA Plus/RV® or AAA Premier/RV® road service
   • Your membership tenure will not be affected

                       code of conduct
   AAA Western and Central New York is a member organization that
proudly relies upon the partnership between our members and our
associates. As a place of business, we expect both parties to communi-
cate in a professional and courteous manner and cannot accommodate
disruptive and unprofessional behavior toward our associates or other
members. Management reserves the right to cancel membership for
inappropriate behavior.


10
    AAA Car Care Plus®




                            aaa car care plus®
     Members find honest repairs by expert technicians at AAA Car Care
  Plus®, state-of-the-art auto repair facilities owned and operated by
  AAA Western and Central New York.
     At AAA Car Care Plus®, professional service advisors explain com-
  plex automotive issues in simple terms, and they are committed to
  giving you the information you need to make smart choices about your
  vehicle’s maintenance.

      As a AAA member, you will get great rates, PLUS:
      • An unprecedented, industry-leading warranty on parts and labor
        (2 years, 24,000 miles)*
      • Free diagnostic brake, alignment, and suspension test on the
        most technically advanced scanner in the area
      • Free vehicle report card
      • PLUS: Free shuttle service, interior vacuum, and
                Delta Sonic car wash
                                                             *Most vehicles
  To make an appointment
  Visit one of our two locations, call or click AAA.com/CarCarePlus


                                    AMHERST           CLARENCE
                                  2131 Eggert Road   8120 Main Street
                                   716-362-0562       716-932-3900
Membership • Travel • Insurance

                                                                       11
  AAA Car Care Plus®
                AAA Members Get a
          Free Safety Scan at Car Care Plus®
   AAA Car Care Plus® has invested in state-of-the-art technology
to provide AAA members with the diagnostic tools to help prevent




breakdowns. The AAA Safety Scanner uses world class Hunter tech-
nology to provide you with a comprehensive computerized test of
your vehicle’s brakes, alignment and suspension.

     How does it work?
     • A service advisor will drive your vehicle over the machine.
     • You’ll receive a full color computer printout of any problem
       areas.
     • Our expert service advisors will provide a full explanation of
       areas of concern, as well as things that need to be addressed
       immediately.

   The AAA Safety Scan is free for AAA members, and is included with
each visit. To schedule your free safety scan, call one of our Car Care
Plus locations or click AAA.com.




12
Approved Auto Repair




                 approved auto repair
   Over 30 years ago, AAA recognized that the repair process was
stressful for drivers who may not have known whom they could trust
with their automotive repairs and maintenance. Since its launch in
1975, AAA’s Approved Auto Repair program has been the answer to
that common problem.
   AAA’s Approved Auto Repair facilities have been thoroughly in-
spected and are tested annually to ensure they meet AAA’s demanding
quality service criteria. These shops are judged not just by the services
they provide, but also by their community reputation, appearance, staff
qualifications, and equipment.
   When you choose a AAA Approved Auto Repair facility, you can feel
confident that your car will cared for by reliable technicians who can
take care of all your auto maintenance and repair needs.
To locate an Approved Auto Repair facility near you,
CALL: (800) 836-CLUB or VISIT: AAA.com/Auto.

The AAA Approved Auto Repair Advantage
  • Free maintenance inspections
  • Written estimates
  • A 12-month or 12,000-mile warranty on repairs
  • Dispute resolution




                                                                     13
   Roadside Assistance




         emergency roadside assistance
   Emergency Roadside Assistance is available 24 hours a day, 7 days
a week and is designed to assist you in an emergency when the vehicle
you are either driving or riding in becomes disabled. Service will not
be provided for pre-existing problems. Your membership coverage ap-
plies to those emergency and towing services listed in this handbook.
Service will be provided to any member driving or riding in an eligible
vehicle when it becomes disabled.



           eligible vehicles - basic service
   Service applies to all properly licensed four-wheeled motor vehicles
of the passenger, pleasure or recreational type (vans, campers and mo-
tor homes) regardless of license plate designation--if those services
can be safely delivered.
   Dual-wheeled campers/motor homes are eligible for all services ex-
cept towing, extrication/winching and tire service. Dual-wheeled un-
loaded pickup trucks are eligible for all services. Dual-wheeled vans,
utility, boat and snowmobile trailers are not eligible for service. Rent-
ed passenger vehicles and commercial vehicles are eligible for service,
with the exception of limousines.
AAA Plus/RV® and AAA Premier/RV® members receive extended vehicle cover-
age for all services to include motorcycles, all motor homes, pickup trucks with
campers and travel trailers.



                     emergency services
   The following emergency services will be provided to place your ve-
hicle in a drivable condition. If these attempts are unsuccessful after a
reasonable effort by the service provider, the towing service provision
will apply.
14
  Roadside Assistance
Mechanical Adjustments
  Minor/temporary adjustments will be made in an attempt to enable
your vehicle to operate safely under its own power.


Towing Services
   When your vehicle cannot be safely driven after attempting any of
the listed emergency services, your vehicle will be towed to the ERS
facility rendering the service, to the closest AAA Approved Auto Repair
facility, or a maximum of five miles in any direction from the point of
disablement at no charge. In instances when your vehicle becomes
disabled while towing a light-duty trailer, service will be provided for
the trailer (excludes fifth-wheel trailers). You will be required to pay for
trailer towing. Flatbed service may require an additional fee if it is re-
quested but not required. Towing is limited to one tow per breakdown.
Tows exceeding the allowed mileage will pay a discounted rate for
each additional mile, payable at the time of service.
AAA Plus/RV® provides up to 100 miles of free towing in any direction from
the point of disablement to the destination of your choice. AAA Premier/RV®
provides up to 200 miles of towing on one of your four allowable service calls,
and up to 100 miles of towing on the three remaining allowable calls.



Tire Change
   Your spare will be installed to replace a flat tire. For safety reasons,
the rim should be free of rust and the tire inflated and serviceable. If
the spare cannot be safely installed, the towing provision will apply.


Locksmith Service
   If your keys are locked inside the vehicle, service will be sent to gain
entrance. If the key that operates or provides access to the passenger
compartment of the vehicle is lost or broken or the service provider
cannot gain entrance to your vehicle, locksmith service up to $50 or
reimbursement for commercial locksmith service up to $50 will be pro-
vided. In cases where the vehicle cannot be made operable, towing
services will be provided in accordance with the towing provision.
AAA Plus/RV® and AAA Premier/RV® provide added coverage or reimbursement
up to $100 in parts and labor for locksmith service if such service is required to
unlock your vehicle or make it operable.



Battery Service
   A battery boost will be provided in an attempt to start your vehicle.
All inclusive mobile battery testing and replacement service (at a mem-
ber discounted rate) is also available to members in many areas. Please
contact us for additional information.

                                                                              15
  Roadside Assistance
Extrication/Winching
   Your vehicle will be extricated/winched when it can be safely reached
from a normally traveled or established thoroughfare. If special equip-
ment, more than one truck or more than one person is required, the
associated costs may be at your expense.
AAA Plus/RV® and AAA Premier/RV® provide coverage to include the delivery of
services by a second truck and operator for one hour at the scene.



Fuel Delivery
   A limited supply of fuel will be delivered to your disabled vehicle to
enable you to reach the nearest service station. Specific brands or oc-
tane ratings cannot be promised. AAA Basic® Members will be charged
the current pump price for the fuel.
AAA Plus/RV® and AAA Premier/RV® provide, at no additional cost, a sufficient
amount of fuel to enable you to reach the nearest service station.


                       scope of service
   Under your membership, Emergency Roadside Assistance will be pro-
vided without charge from the nearest available AAA contract facility.
Your service call will include AAA’s operator/truck traveling to the dis-
abled vehicle, where the service operator will attempt to make your ve-
hicle operable.
   When your vehicle cannot be made operable upon providing the
services listed in this handbook, we will assist you in finding the near-
est open place of repair. If a repair facility cannot be located, we will
assist you in obtaining lodging or alternative transportation.
   A $25 surcharge will be assessed for members in need of roadside
assistance in the same day as joining AAA.
   Charges for service that exceed the benefits listed will be at pre-
vailing hourly or mileage rate of the region where service is provided.
Payment is due at the time of service by cash, check or credit card.
   Roadside Assistance is provided by AAA owned fleets as well as
a nationwide network of independent contractors. We welcome com-
ments concerning your experience and will work with you to resolve
any concerns. Call us 24/7 at 1-800-AAA-HELP.

                how to obtain
         emergency roadside assistance
   Call 1-800-222-4357 (1-800-AAA-HELP). You may also place your
service request or check the status of your service request by visiting
AAA.com. For those members who have a hearing impairment and use
a TTY device or relay service, please refer to the telephone numbers on
page 4 of this handbook. Some cellular phone users may dial *AAA or
*AAA1 for a free call (check with your carrier).


16
  Roadside Assistance
   Service will be provided to any member driving or riding in an eli-
gible vehicle when it becomes disabled.
   When you place your call, please give all information asked for by
the operator. Be prepared to give your name, address, membership
number, vehicle description, location of vehicle and probable trouble.
This information is required for us to properly service you. If you have a
physical disability that requires special transportation or needs please
let us know at the time of call placement.
   When the service provider arrives, you will be requested to present
your driver’s license or other photo ID and a valid membership card in
order to obtain service.


                  stay with Your vehicle
   You should remain at or near your car to receive service. Unattended
vehicles cannot be put in running order, since they may be stolen or
need additional starting if the engine is turned off. Of course, excep-
tions will be made in extenuating circumstances.


                                safety
   If you do not feel safe, let our call receiver know. We will notify the
proper authorities and expedite your service.


                       canceling calls
   If your car starts or you remedy your problem before the service
provider arrives, please call to cancel your request so service can be
expedited for others and to assure the call won’t count against your
usage.


            When services Do Not apply
   Emergency Roadside Assistance will not be rendered to any vehicle
when towing is requested other than for mechanical breakdown or
accidents.


                   Unavoidable Delays
   Because of our geographic location, calls for service can number
well over 3,000 per day on especially severe winter days, with every
piece of equipment in use around the clock. In these circumstances,
long delays cannot be avoided. We appreciate your patience and as-
sure you that you will receive service as quickly as possible.




                                                                       17
  Roadside Assistance
                       alternate service
   If you have followed the procedure outlined to obtain ERS and AAA
service is not available or AAA contractor access is restricted (toll roads,
limited-access highways), the Club will provide reimbursement for cov-
ered services at the prevailing commercial rate for the region. Full re-
imbursement for covered services will be provided for police-ordered
tows and where AAA access is legally restricted.
   If AAA service was available but not requested, reimbursement may
be limited to the amount the Club would normally have paid for the
covered service.
   AAA Plus/RV® and AAA Premier/RV® provide reimbursement at pre-
vailing commercial rates for covered AAA Plus/RV® and AAA Premier/
RV® benefits if service is requested but is not available.
   You must submit the original receipt within sixty days of service for
consideration. The Club may adjust or deny reimbursement for service
provided by individuals or companies not normally engaged in provid-
ing ERS.
   For lockout reimbursement, see information under Lockout Service
on page 15.

     emergency repair check acceptance
   Your personal check for up to $250 will be accepted by any inde-
pendent contract facility providing emergency road services or repairs
for AAA members. A valid membership card and identification must be
presented at the time of payment. The name on the check must match
the member name.

                     ers call allowance
   In an effort to increase the quality of AAA Emergency Roadside As-
sistance and decrease delays, each member will be entitled to a maxi-
mum of four free service calls per year. After the four free calls, there will
be a surcharge payable at the time of service. AAA Plus/RV® and AAA
Premier/RV® benefits cease after the fourth service call.

                      service comments
   It is our goal to make your AAA membership invaluable. All AAA
Clubs maintain the highest quality Emergency Roadside Assistance
available throughout the continental United States, Alaska, Hawaii and
Canada. Certain benefits may vary from Club to Club. Please help us
to maintain these high standards of ERS. Any comments you may have
will enable us to continually improve our services.
   We welcome any comments you have regarding our products or
services. Please address them to: AAA Western and Central New York,
Member Relations Department, 100 International Drive, Williamsville,
NY 14221.
18
TripTiks, TourBooks, & Maps
                   ®                                ®




            Member service counselors
   Whether you need a TripTik® routing or a rental car reservation, AAA’s
team of Member Service Counselors can save you time and money. To
get started, call 800-836-CLUB or visit your local AAA.


         Free Maps and TripTik® routings
   A TripTik® is a set of personalized directions that highlights the best
route to your destination. Choose whether you want the most direct
route, or if you prefer a more scenic trip designed around points of
interest. In addition to your specific route, we keep in stock dozens of
regional, state, and city maps.
   Please allow two weeks’ notice for material you wish to have mailed
to you, and seven days’ notice for pre-ordered information you plan to
pick up at one of our Travel and Insurance Centers.


            internet TripTik® Travel planner
   AAA has launched a first-of-its-kind online mapping tool, AAA’s Trip-
Tik® Travel Planner. At AAA.com/TripTik, you can select specific roads to
customize your route and find attractions, hotels, restaurants, and more
along the way. Once you are satisfied with your route, you can easily
print out your maps with turn-by-turn directions.




                                                                      19
TripTiks, TourBooks, & Maps
                   ®                                ®




             Domestic Tourbook® Guides
   Whether you are going on a weekend getaway or an extended vaca-
tion, AAA TourBook® guides and maps are a great resource for in-depth
travel information for destinations across the United States, Canada,
Mexico, and the Caribbean. Accommodations and restaurants rated in
AAA’s TourBook® guides are rigorously inspected at least once a year
and meet or exceed AAA’s exacting standards for quality. The 26 re-
gional TourBook® guides are are free to AAA members.


                   campbook® Guides
   No matter how adventurous you are, you don’t want to delve into
the great outdoors without AAA CampBook® guides. Outlining camp-
ground rates, geography, climate, and local laws along your route, these
guides are an essential tool for planning your next adventure. Updated
yearly and free to members, AAA CampBooks® are your guide to the
outside.


                 reservation assistance
   AAA’s Member Service Counselors can make confirmed reservations
for you at hotels, motels, and vacation resorts. And if you need a rental
car along the way, they can make that reservation for you, too.
   If you choose to make your own reservations, look for AAA’s Show
Your Card & Save® partners to receive the lowest guaranteed rates for
AAA members. You must specifically request the AAA rate when making
reservations. For the best value, always check for exclusive AAA pack-
ages with your AAA Travel Consultant, who frequently can find the best
discounts and value-added deals that just cannot be found elsewhere.


                        Travel agency
   No other travel provider offers the range of services available through
AAA Travel, the largest leisure travel organization in North America.
AAA’s travel experts are the most professional group in the industry,
with an average of 11 years experience each. They are ready to help
you choose a destination and will tailor their recommendations to your
personal preferences and budget – whether you are traveling by planes,
trains, automobiles…or cruise ships.




20
           Travel Agency




          10 reasons to Travel with aaa
1. The most professional group of travel experts in the industry,
   with an average of 11 years experience each.

2. 13 AAA Travel and Insurance Centers to serve you, including
   on-site travel stores for passport photos, luggage and travel
   accessories.

3. Exclusive benefits for members and extraordinary values that
   AAA’s National buying power provides.

4. AAA.com, your one-stop travel website with easy online booking.

5. 24/7 toll-free access to AAA’s travel service.

6. AAA’s Best Price Guarantee promises travelers THE best price
   for their cruise or vacation – guaranteed!

7. AAA Referral Rewards Program allows current AAA Travelers
   to earn money on future travel by referring family and friends to
   AAA.

8. AAA Solo Travelers Club provides like-minded single travelers
   the value, peace of mind, fun, and convenience of group travel at
   an affordable price.

9. AAA Travel Assurance provides customized coverage to protect
   travelers.

10. The all-new AAA Traveler Rewards program thanks you for
    choosing AAA!

                                                                  21
             Travel Agency
          aaa.com powered by expedia®
   As a AAA member, you can experience the convenience of Expedia®
with all the advantages of AAA when you book flights, hotel rooms,
rental cars, and travel packages at AAA.com, now powered by Expedia.
Create your own travel package, and enjoy significant savings and
greater flexibility. You can choose a flight that fits your schedule and a
hotel and rental car that fit your lifestyle – all from the comfort of your
home or office.




                special Member benefits
   AAA’s exclusive relationship with preferred cruise, car and tour sup-
pliers provide value-added features for clients of AAA Travel.


Cruise:                                 Starwood Hotels & Resorts
Azamara Club Cruises                    Worldwide
Carnival Cruise Lines                     • aloft • element • Four Points
Celebrity Cruises                         • Le Meridien • Sheraton
Cruise West                               • St. Regis • The Luxury Collection
Crystal Cruises                           • Westin • W Hotels
Cunard Line
Disney Cruise Line                      Tour Packages:
Holland America Line                    AAA Member Choice Vacations
Princess Cruises                        Adventures by Disney
Regent Seven Seas Cruises               ATI
Royal Caribbean International           Avanti Destinations
Uniworld Boutique River Cruise          Brendan Vacations
Collection                              Canada a la Carte
                                        Contiki Holidays
Hotels:                                 General Tours
Best Western International              Grand Canyon Railway
Hampton Inn & Suites                    Insight Vacations
Hilton Hotels                           Pleasant Holidays
  • Embassy Suites • DoubleTree         Rail Europe
  • Conrad • Hilton                     Tauck World Discovery
  • Hilton Garden Inn                   Trafalgar Tours
  • Homewood Suites                     Travel Bound
  • Waldorf Astoria Collection          Travel Impressions
Hyatt Hotels & Resorts                  Universal Parks & Resorts Vacations
  • Andaz • Hyatt Place                 Walt Disney Travel Co.
  • Hyatt Summerfield Suites
Marriott Hotels & Resorts               Car Rental:
  • Courtyard • Fairfield Inn           Hertz
  • Marriott • Renaissance
  • Residence Inn • Springhill Suites   Travel Services:
  • TownePlace Suites                   Travisa Passport & Visa Service



22                                                                        21
            Travel Agency
                              cruises
   AAA has preferred partnerships with most cruise lines, which means
that real savings are passed down to our members. With AAA Travel, you
can enjoy an intimate river cruise on the Danube, go whale-watching
on an Alaskan dream cruise, or experience the Caribbean in the newest
megaship, Royal Caribbean’s Oasis of the Seas.


                          Group Travel
    Traveling with AAA’s Specialty Group Services department is a simple
solution to avoid the work associated with travel planning. From day
trips on a luxury motorcoach to two-week European river cruises, our
menu of group tour options will satisfy the most discerning travel tastes.
Call (800) 242-4244 or click AAA.com/GroupTours for the most up-to-
date list of scheduled tours and cruises.
    Or, if you are coordinating travel for a group of 10 or more, AAA’s
group travel experts can assist with all the details including free travel
for you. All you have to do is sit back, relax…and enjoy your vacation!




                 business Travel services
   For transportation management, meetings and incentive travel,
AAA’s team of business travel experts will develop a customized solu-
tion that fits your needs and your company culture. What makes AAA
unique is its ability to provide companies with benefits such as lower
airfares, a loyalty program, foreign currency, and a variety of corporate
membership discounts. To learn more, call (800) 937-1222 or click
AAA.com/BusinessTravel.




                                                                      23
            Travel Agency
                  aaa Travel assurance
   Even the most carefully planned trips can be complicated by lost lug-
gage, cancelled flights, or a medical emergency. AAA Travel Assurance
from Access America provides insurance coverage for trip cancellation
and interruption, emergency medical and dental, a 24-hour assistance
hotline, and it may also cover existing medical conditions that other
plans won’t.


          Digital passport photo services
    This convenient service, discounted for AAA members, is available at
all AAA Travel and Insurance Centers. These two color photographs may
also be used to obtain an international driving permit.


            international Driving permits
   When traveling overseas, you should carry an international driving
permit—even if you’re not planning to drive. If you need to commu-
nicate with foreign authorities, this recognizable form of identification
can help you get on your way more quickly. AAA is one of only two
authorized sources in the United States for obtaining this permit.
   • Available at all AAA Travel and Insurance Centers
  • Member cost: $15
  • Two passport photos are needed, which can be taken at all AAA
    Travel and Insurance Centers
  • Must be 18 years or older with a valid U.S. driver’s license


          Foreign Maps and Tour Guides
   Informative guides on the Bahamas, the Caribbean, Mexico, and Cen-
tral America, plus European maps are available free of charge to AAA
members. European TravelBook® and City guides are offered to members
at reduced rates.
   Likewise, AAA.com has partnered with TripAdvisor to provide a wealth
of worldwide travel information 24 hours a day at AAA.com/Travel.




24
                  AAA.com
                           aaa.com
     Get all the Information you need online
   Click on AAA.com for all your
membership, travel, insurance,
financial and automotive-related
services. AAA.com offers a wide
selection of travel advice, as well
as deals on lodging, car rentals,
cruises, and vacation packages and
other travel news and information.
In addition, as a member you can
check out a comprehensive list of
AAA member savings programs on our
Show Your Card & Save® link.


                self serve on aaa.com
    Just a few of the things you can do online
• Member Services: Join, renew, or upgrade
• Manage your Membership: Sign up for auto-renew or add
  an associate
• Mapping Products: Create and print your own TripTik®
• Emergency Roadside Assistance: Request road service online
  any time, day or night
• Research Travel: Plan and book your vacation to over 5,000 cities
• Insurance: Get your no-obligation quote
• Search for Discounts: Find out where you can
  Show Your Card & Save®
• Defensive Driving: Take AAA’s point-and-insurance-reduction
  course online!


   Do it yourself TripTik® online at aaa.com
   In addition to TripTik® routings that can be requested through our
offices, the TripTik® travel planner on AAA.com offers you another way
to get maps or plan an entire trip — wherever and whenever.
   We’ve used AAA’s premier mapping technology and travel informa-
tion to provide the best online travel planner. Whether you need lo-
cal maps, turn-by-turn directions, or a complete vacation, start with
a quick trip to the AAA.com TripTik® travel planner. This online travel
planner also features the ”Modify Route” tool that allows you to cus-
tomize your route to fit your specific preferences. Access more than
400,000 listings for lodgings, restaurants, attractions, events, repair
stations, and member discounts.

                                                                   25
          Driver Training




                     aaa Driver Training
   AAA’s driver training programs are taught by specially trained instruc-
tors that provide highly interactive driving lessons whether in the class-
room, in car or online. Plus, AAA communicates the most up to date
laws and regulations for motorists to ensure your safety on the road.


           aaa Defensive Driving course
   The six-hour defensive driving course is offered in classroom loca-
tions throughout Western and Central New York. Plus, the course is now
available online at AAA.com. Benefits include:
   • 10% discount on collision, liability and no-fault portions of Auto
     Insurance for 3 years
   • Reduce up to 4 points on your driving record (for violations occur-
     ring in the last 18 months)


                  Teen Driver education
   As the largest driving school in New York State, AAA is well-equipped
with a variety of programs to help teach your teen to drive safely.
Products offered include:

  • Licensed to Learn: 40-hour comprehensive training program includ-
    ing 30 hours of classroom and 10 hours of in car evaluation. Includes
    free one-year AAA basic membership upon completion of course.

  • In School Driver Education: AAA partners with schools across
    Western and Central New York to offer our Licensed to Learn

26
        Driver Training
   curriculum in their community. Includes free one-year AAA basic
   membership upon completion of course.

 • In Car Lessons: AAA offers a variety of lesson packages if you
   would like a little extra help teaching your teen to drive.

 • 5-Hour Pre-licensing Course: AAA offers this course separately,
   or included with the Licensed to Learn program. This course pro-
   vides the MV-278 certificate, a requirement for teens to schedule
   their road test.


                     other offerings
 • Senior Driving Assessments: Certified driving instructors assist
   in evaluating and monitoring driving ability.

 • In Car Rehabilitative Training: Designed for drivers with a dis-
   ability or limited mobility. AAA provides modified vehicles and the
   training needed to learn to operate them.

 • Adult Driver Education: Program tailored for adults learning to
   drive for the first time. Includes free one-year AAA basic member-
   ship upon completion of course.

 • Basic Mechanics: Two-hour course teaching you the basic work-
   ings of your vehicle.

       To register for any of these courses or to learn more:
Visit: Your local AAA | CAll: (800) 836-2582 | CliCk: AAA.com




                                                                   27
                     Insurance




         Why choose aaa for insurance?
 • Our experienced agents provide the personal service you have come
   to expect from AAA.
 • We will give you a thorough review of your current coverage and
   make suggestions that may offer additional protection.
 • If you need to file a claim, AAA is always there to help you.
 • And, of course, members save up to 15% when insuring your home
   and auto together.

                        auto insurance
 AAA Auto Insurance is flexible and affordable with customized cover-
age options. Our agents will sit with you and review your current policy
and your individual needs so we can tailor a policy that fits your lifestyle.


     how can i save on my auto insurance?
 Discount             Description
 AAA Member           Save up to 5%.
 Multi-policy         Save up to 10%.
 Multi-vehicle        Save when you insure multiple vehicles
                      on your policy.
 Defensive            Take a 6-hour course and save up to 10%.
 driving course       Online courses available.
 Distant student      Save when your student goes away to school.
 Full payment         Save when you pay your premium in full.



28
                   Insurance
                     home insurance
 AAA Home Insurance offers comprehensive coverage for your home,
personal property, and other attached and detached structures. Plus, we
offer an exclusive home protection package that includes:
 • Enhanced replacement coverage
 • Water back-up coverage
 • Identify fraud coverage
 • Mortgage payment protection coverage


  how can i save on my home insurance?
 Discount           Description
 AAA Member         Save up to 10%.
 Multi-policy       Save up to 15%.
 New home           Save if your home is less than 10 years old.
 New loan           Save if you are purchasing a home and
                    obtaining a new mortgage.




                                                                    29
                    Insurance
                         life insurance
  Because life insurance is intended to meet your family’s future finan-
cial needs in unforeseen circumstances, it may be one of the most im-
portant purchases you ever make. But choosing the right plan does not
have to be a difficult process.
  Your licensed AAA Insurance agent will sit down with you one-on-one
to explain and discuss the options and help you find the right coverage
from a wide range of products, including:
  • Term insurance
  • Permanent, or Whole Life, Insurance
  • Guaranteed Issue Life Insurance
  • Long Term Care Insurance
  • Annuities


What does AAA life insurance cover?
  Life Insurance is intended to help provide financial security for your
loved ones in the event of your passing. Each individual situation is
different, so we recommend that you speak with one of our licensed
agents who will review your individual needs. Your agent will discuss
product options and help you decide what is best to provide the finan-
cial protection you need.


               other insurance offerings
 • Personal Liability (“Umbrella”)
 • Renters, Condo, or Townhouse
 • Rental Property
 • Motorcycle
 • Boat/Watercraft
 • ATV/RV/Trailer
 • Snowmobile
 • Antique/Classic Car


           aaa insurance claims service
  Trust AAA to handle your claims efficiently and effectively. From initial
response through final resolution, AAA provides fast, caring service. You
may report your claim by calling (800) 207-3618, available 24 hours a
day, 365 days a year.



      To learn more about AAA Insurance or request a quote:
Visit: Your local AAA | CAll: (866) 874-7AAA | CliCk: AAA.com



30
                    Financial




                            Financial
   As a AAA member, there are several programs to help you make
smart choices with your hard-earned dollars. From “member-only”
rates on CDs, to a AAA line of credit, your membership can get you
where you want to go faster than you may think.

                  aaa visa® Gift cards
   AAA Visa® Gift Cards are available for instant issue at AAA Travel
and Insurance Centers. They can be loaded with any amount from $10
to $750 and can be used just like a credit card at over 14 million Visa®
merchants world-wide and are a safe and secure way to complete on-
line shopping.

            aaa visa® with Worldpoints®
   For every dollar you spend on your AAA Visa® with WorldPoints®,
you will earn one point redeemable for cash, travel, merchandise, gift
cards, and more.




                                                                    31
                   Financial
                    aaa Travel Money
   When visiting another country, consider carrying a combination of
cash, travelers checks, and cards. Here are some options available at
your local AAA Travel and Insurance Center:




  • CashPax contain foreign currency in small bills and coins, and are
    a great way to keep small denominations handy for taxi fares, tips,
    and meals.

  • American Express Travelers Cheques are easy to use and safer
    than cash. Plus, they are available fee-free to AAA members.
  • A pre-paid, re-loadable AAA Visa TravelMoney® card is a conve-
    nient way to travel in areas with abundant ATMs and merchants
    accepting credit or debit cards.

  For your convenience, you may also purchase these items online at
AAA.com/Financial, or by calling 1-866-339-3378.

             Member Deposit program
   You can receive some of the best rates when you open a Certificate
of Deposit, IRA, Money Market or checking account through Discover
Bank, plus:
   • AAA members-only rates
   • Low balance requirements
   • Convenience
   • Superior customer service


          To open an account or to get more information:
      CALL: 1-888-204-8990 and mention priority code JA05V
        CLICK: AAA.com/Financial | VISIT: Your local AAA


32
    Savings & Benefits




                show Your card & save®
   AAA members can save 10-50% through exclusive discounts and
offers at local and national businesses in the travel, entertainment, re-
tail and service industries – just by presenting their membership card!
Save money on everything from hotel reservations to car rentals, from
eyeglasses to theme park admissions and from truck rentals to online
books and gifts. Look for the Show Your Card & Save® logo at partici-
pating business at home or on the road.
   See on the following pages for a few samples of the many places
you can save every day – including our newest partners: Gap Outlet
and Banana Republic Factory Store, where you can save 10% on all
purchases, including sale merchandise (except gift cards).
   Call our Member Service Center at 1-800-836-2582 or visit us at
AAA.com/save for a complete listing of participating businesses.
   AAA Members saved over $1.6 billion last year through the Show
Your Card & Save® Program. Visit AAA.com for a complete list and
details on savings.




                                                                     33
     Savings & Benefits




34
Savings & Benefits




          ®




                     35
     Savings & Benefits
                 aaa pharmacy benefit
   AAA offers an easy solution for prescription drug costs with the AAA
Prescription Savings program. Choosing the right plan is important, to
help you make an informed decision, here are answers to some of the
questions AAA members are asking. This program is free with your
AAA membership. Members do not have to meet a deductible or pay a
co-pay to receive the benefit. You simply present your AAA Prescription
Savings card at a participant pharmacy to receive a discount on your
prescription. You can even use your AAA Prescription Savings Card for
many pet medications filled at your pharmacy.
   Access benefit information and pharmacy locations by clicking
AAA.com/prescriptions or calling 1-866-AAA-SAVE (1-866-222-7283).

               Movie, car Wash and
             amusement park Discounts
   The Club sells discounted cinema passes to AMC, Regal, Dipson and
more; discounted car wash and car detailing tickets from Delta Sonic
are available in Buffalo, Rochester and Syracuse metropolitan offices,
as well as other local car washes. Local and nationwide amusement
park tickets, such as Walt Disney World, Universal Orlando, and Busch
Entertainment Group properties are available at a discount to mem-
bers. Visit AAA.com or call the nearest Travel and Insurance Center for
prices and further information. Select tickets also available online at
AAA.com. Tickets can be ordered by phone or mail by using AAA/Visa®,
MasterCard, Discover, or American Express. A shipping and handling
fee will be added to mail orders.

                          Travel store
   Located in each of our AAA Travel and Insurance Centers, the Travel
Stores offer new, exciting, innovative and affordable merchandise for
whatever trip you are planning. Luggage travel accessories, car orga-
nizers, converters and much more! Digital passport photo service also
available!

     $5,000 bail bond/ $1,000 arrest bond
   In the event of your arrest or detention anywhere in the United
States by reason of any violation of a motor vehicle law, except viola-
tion of national or state prohibition or narcotic acts, your membership
will provide a bail bond in any amount not exceeding $1,000. To get
bail, call the nearest AAA Club.
   In most jurisdictions, where the amount of bail is $500 or less, your
membership card will be accepted in lieu of an executed bond. Your
Club will redeem your card by paying the set bail and will expect remit-
tance of the bail amount before returning the card to you.

36
    Savings & Benefits
   This benefit is not available under the following circumstances:
violations involving driving while under the influence of intoxicating
liquors, drugs or narcotics; failure to appear for violations; driving on
a suspended/revoked driver’s license; hit and run; failure to present
evidence of insurance; illegal use or falsification of license or registra-
tion; engaging in a felony; attempting to elude/eluding police; or while
driving a vehicle used for commercial purposes.

                      anti-Theft reward
   Your Club pays a $500 reward for civilian information leading to the
arrest and conviction of anyone anywhere stealing a member’s car. This
protection discourages professional thieves from stealing a member’s car.


                        hit-run reward
   The Club offers a $500 reward for civilian information leading to the
arrest and conviction of hit-run drivers in cases where personal injury
or death is involved. This is one more effort the Club makes to promote
safety on streets and highways.


                     aaa Going places
   Going Places is a lifestyle-focused magazine written and distributed
exclusively for AAA members. Look for informative articles about AAA
news, events, and member benefits, plus a variety of feature stories
highlighting popular travel destinations near and far. You will receive
six issues each year.




                                                                       37
             AAA Promise
                      The aaa promise
Safety
AAA consistently works to improve driver safety by raising awareness
of the dangers of distracted driving, behind-the-wheel inexperience,
speed, and alcohol-related driving. The association also continues to
bolster driver education requirements, life-long driver training, and
stronger improvements to the licensing process. Assisting senior drivers
stay mobile as long as safely possible has also been a long-maintained
goal for the association.

Environment
AAA believes the right to travel carries the responsibility of protecting
natural resources, while helping preserve and enhance the environ-
ment for the enjoyment of present and future generations. Decades
ago, AAA was among the first organizations to teach motorists to
properly dispose of used motor oil, tires and batteries, and maintain
ignition systems to reduce vehicle emissions and conserve fuel.
Today, the association continues to educate travelers about respon-
sible mobility, alternative fuel options, and the importance of driving a
well-maintained vehicle. AAA also maintains its advocacy efforts for a
national energy strategy and viable transportation funding policies to
ensure individual mobility is protected and sustained.

Community
As part of its commitment to community, AAA also awards annual
college scholarship funds to local high school students; encouraging
higher education in the areas of automotive technology, safety, and
community service through the Ford/AAA Student Auto Skills Compe-
tition and the AAA Insurance Scholarship for Community Excellence.


Read More Online
AAA’s safety and advocacy endeavors are highlighted on the AAA Ex-
change, a website dedicated to the safety and security of all motorists
and travelers.

                    More information is available:
                  CLICK: www.AAApublicaffairs.com




38
                 Privacy Notice
    YOUR PRIVACY IS IMPORTANT TO US: The foundation of a business is based on trust; AAA
Western and Central New York (AAA WCNY) realizes that. To maintain that trust, AAA WCNY is com-
mitted to maintaining the privacy of its members’ Non public Personal Information (“NPI” or “Member
Information”). AAA WCNY would like to take this opportunity to inform you of how we are committed to
protecting your member information.
    PRIVACY COMPLIANCE: Recent federal legislation requires that all financial institutions provide
customers with a statement outlining the policies and practices related to the sharing of NPI. At AAA
WCNY, we have always been committed to protecting your privacy and are providing this notice to you to
demonstrate our commitment to you. If you decide to terminate your relationship with AAA WCNY or your
membership lapses, we will continue to abide by the practices described in this notice and any amend-
ments to this notice.
    WHY WE COLLECT INFORMATION: AAA WCNY collects information about you in order to protect
your membership from unauthorized access, to better understand your needs as a member, to improve
and develop new products, provide services that may be of value and to inform you of special promotions,
services and benefits. We also collect information necessary to administer your account and to process
services associated with your membership. We maintain this information to provide the highest possible
quality of service.
    INFORMATION WE COLLECT: We collect member information about you on applications or other
forms we receive from you, information about your transactions with us or others, information we receive
from consumer reporting agencies, from other companies we work with, from companies providing mar-
keting and demographic information and information obtained to protect against insurance fraud and
identity theft.
    HOW WE KEEP INFORMATION SECURE: Your member information is only available to authorized
individuals responsible for providing AAA WCNY products and services. We maintain physical, electronic
and procedural safeguards that comply with legal requirements to protect member information.
    INFORMATION WE MAY DISCLOSE: We may disclose the following kinds of NPI about you:
    • Information we receive from you on applications or other forms, such as your name and address;
    • Information about your transactions with us or others--such as your account balance, payment his-
       tory, parties to transactions and credit card usage; and
    • Information we receive from a consumer reporting agency, from other companies we work with and
       from providers of marketing and demographic information, such as your purchasing preferences.
    WHO WE DISCLOSE INFORMATION TO: We may disclose member information about you to the
    following:
    • Financial institutions with whom we have joint marketing agreements or who provide marketing
       services on our behalf; and
    • Financial service providers, such as banks and insurance companies.

GLOSSARY
      “Affiliate” means any company that controls, is controlled by or is under common control with AAA
WCNY.
      “Financial Institution” means any institution the business of which is engaged in financial activities
as described in section 4(k) of the Bank Holding Company Act.
      “Non public Personal Information” means personally identifiable financial information about an
individual provided to a financial institution in order to obtain a financial product or service.
      “Nonaffiliated Third Party” means any person except an affiliate of a financial institution or a joint
employee of a financial institution and a third party.
      Opt-out: If you prefer AAA WCNY not disclose your member information to nonaffiliated third par-
ties (except as permitted or required by law) you may exercise your right to opt out of such disclosure by
filling out the form below and mailing it to us. By opting out you will be precluded from receiving notice of
special promotions offered through AAA WCNY which may benefit you. We may still include notices and
information about other products and services when communicating with you about your account and
related products and services. You will also still receive the AAA Going Places magazine six times per year.
Opting out will not prevent you from receiving solicitations from other companies obtaining information
about you from other sources.

               PRIVACY NOTICE OPT OUT
                            PLEASE MAIL TO:
         AAA Western and Central New York • Attention: Privacy
       Post Office Box 9006 • Williamsville, New York 14231-9006
Name: ______________________________________________________________________________________

Membership #: ________________________________________________________________________________

Address: ____________________________________________________________________________________

City:________________________________________ State:_____________ Zip Code: _____________________

Signed: _____________________________________________________________________________________


                                                                                                        39
           AAA Travel And
          Insurance Centers
                 Amherst
                 100 International Drive • 716-633-9860

                 Clarence
     Western



                 8120 Main Street • 716-932-3900

                 Dunkirk/Fredonia
                 3963 Vineyard Drive • 716-366-3599

                 Ken-Ton
                 1737 Sheridan Drive • 716-873-0111

                 Orchard Park
                 3475 Amelia Drive, Quaker Crossing • 716-675-4900


                 Greece
     Rochester




                 3160 West Ridge Road, Lowe’s Plaza • 585-227-9600

                 Penfield
                 2156 Penfield Road • 585-377-8500

                 Pittsford
                 3240 Monroe Avenue • 585-249-1390


                 Camillus
                 5103 West Genesee Street • 315-487-2700

                 Cicero
                 5663 East Circle Drive, Suite 300 • 315-452-3282
     Central




                 DeWitt
                 3460 Erie Blvd. East • 315-446-3134

                 Ithaca
                 1284 Dryden Road • 607-257-2515

                 Watertown
                 19482 US Route 11 • 315-788-5250




                 I choose AAA


 ViSit: Your local aaa | CALL: 1-800-836-clUb | CLiCK: aaa.com
WC6078                           1350-09                             4/10

				
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