Terms and Conditions for Diners Club Card／TRUST CLUB Card Membership■Revision Contents
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Article 1. (Members)
Article 1. (Members)
1. A "Principal Member" refers to an individual 1. "Principal Member" refers to an individual who
who applies to the Sumitomo Mitsui Trust Club applies to the Sumitomo Mitsui Trust Club Co.,
Co., Ltd. ("Trust Club") for membership in the Ltd. ("Trust Club") for membership in the credit
credit card transaction system, satisfies the card, satisfies the criteria prescribed by Trust
criteria prescribed by Trust Club on age, annual Club on age, annual income, etc. and is admitted
income, etc. (in principle, at least 27 years old to the membership by Trust Club. Principal
for Diners Club Card and at least 22 years old Member as a general rule must reside in Japan.
for TRUST CLUB Card) and is admitted to the If Principal Member moves overseas, Trust Club
membership by Trust Club. Principal Member as may reexamine his/her membership eligibility.
a general rule must reside in Japan. If Principal
Member moves overseas, Trust Club may
reexamine his/her membership eligibility.

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2. A“Family Member”refers to an individual 2.“Family Member”refers to an individual with
with permission by Principal Member to use the permission by Principal Member to use thelatter’s card and to whom Principal Member latter’s card and to whom Principal Member
agrees to assume any and all liabilities that the agrees to assume any and all liabilities that the
Family Member owes to Trust Club (including Family Member owes to Trust Club (including
paying card charges) if his/her membership is paying card charges) if his/her membership isapproved by Trust Club.
approved by Trust Club. Principal Members
shall comply with the Terms and Conditions, etc.
prescribed in Article 2, be obligated to ensurethat Family Members will comply with the Terms
and Conditions, etc., and be liable for any
damages (including attorneys’fees and is not
limited to direct damage) incurred by Trust Clubdue to a Family Member’s failure to comply with
the Terms and Conditions, etc.

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3. Members shall use and keep custody of their 3. Members shall use and keep custody of theirCards with the care of a good manager to Cards with the care of a good manager toprevent anyone other than the Members from prevent anyone other than the Members fromusing the Card. In particular, Members shall using the Card. In addition, Principal Members
agree in advance that acts such as the following shall manage the Cards of Family Members in
may constitute a Card management breach of the same manner to prevent anyone other thanthe Family Members from using their Cards. In
duty:(1) to leave the Card at any location at risk for particular, Members shall agree in advance thatacts such as the following may constitute a Cardtheft or unauthorized use by a third party;(2) to present or use the Card when the management breach of duty:
Members are in a state that makes it difficult for (1) to leave the Card at any location at risk for
him/her to make sound judgment due to alcohol theft or unauthorized use by a third party;(2) to present or use the Card when the
consumption, etc.;(3) to reply to an e-mail from a stranger, etc. Members are in a state that makes it difficult foror voluntarily enter his/her Card information, him/her to make sound judgment due to alcohol
etc. when accessing an unknown website, etc. consumption, etc.;
via SMS or social media such as social network (3) to reply to an e-mail from a stranger, etc.
or voluntarily enter his/her Card information,
services; or(4) to delegate the custody of the Card to a third etc. when accessing an unknown website, etc.
party (including members of the family; same via SMS or social media such as social network
services; orapplies hereinafter), regardless of the reasons.
(4) to delegate the custody of the Card to a third
party (including members of the family; same
applies hereinafter), regardless of the reasons.

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2. The Members shall manage his/her PIN 2. A Member shall manage and use his/her PIN
with the care of a good manager to prevent its with the care of a good manager to prevent its
disclosure to others. Principal Member shall be disclosure to others. Principal Member shall be
liable to pay any and all obligations, losses, etc. liable to pay any and all obligations, losses, etc.
arising from any Card activity by the Members arising from any Card activity by the Member
or any third party upon entering the registered or any third party upon entering the registered
PIN, except where attributable to Trust Club.
PIN, except where attributable to Trust Club.

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Article 18. (Acceleration)
Article 18. (Acceleration)
1. If any of the following applies to Principal 1. If any of the following applies to Principal
Member, all of Principal Member's outstanding Member, all of Principal Member's outstanding
obligations under the Terms and Conditions, etc. obligations under the Terms and Conditions, etc.
shall be accelerated and become immediately shall be accelerated and become immediately
payable by Principal Member:payable by Principal Member:(1) Principal Member fails to the Agreed (1) Principal Member fails to the Agreed
Payment Obligations (other than those listed Payment Obligations (other than those listed
in the following item.) on the relevant Payment in the following item.) on the relevant Payment
Date once or more;
Date once or more;(2) Principal Member fails to pay the Repayment (2) Principal Member fails to pay the Repayment
Amounts in respect of a revolving payment, or Amounts in respect of a revolving payment, orthe amount payable in respect of a payment the amount payable in respect of a payment
in installments, payment in two installments, in installments, payment in two installments,and one lump-sum payment at bonus time, and and one lump-sum payment at bonus time, andin spite of a demand in writing by Trust Club in spite of a demand in writing by Trust Club
specifying a reasonable period of 20 days or specifying a reasonable period of 20 days ormore for payment, Principal Member fails to more for payment, Principal Member fails to
make the payment within such period;
make the payment within such period;(3) a note or check drawn by Principal Member (3) a note or check drawn by Principal Member
is dishonored or if Principal Member suspends is dishonored or if Principal Member suspends
payments in general;
payments in general;(4) a petition for attachment, provisional (4) a petition for attachment, provisional
attachment, or provisional disposition is filed attachment, or provisional disposition is filed
against the Principal Member, or if the Principal against the Principal Member, or if the Principal
Member becomes subject to a coercive tax Member becomes subject to a coercive tax
collection or preservative attachment;collection or preservative attachment;(5) a petition for commencement of bankruptcy (5) a petition for settlement, mediation, or
proceedings, civil rehabilitation proceedings, alternative dispute resolution procedures for
special liquidation, or corporate reorganization arrangement is filed;proceedings, or any other similar statutory (6) Principal Member receives notice that an
insolvency proceeding is filed against or filed by attorney, legal professional corporation, judicial
Principal Member; or
scrivener, judicial scrivener corporation, or(6) the whereabouts of Members become any other person has been authorized to makeunknown due to any reason attributable to the arrangements;
Members.
(7) a petition for commencement of bankruptcy
proceedings, civil rehabilitation proceedings,
special liquidation, or corporate reorganization
proceedings, or any other similar statutory
insolvency proceeding is filed against or filed by
Principal Member; or(8) the whereabouts of Members become
unknown due to any reason attributable to theMembers.

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Article 26. (Amendments to Terms and Article 26. (Amendments to Terms andConditions)
Conditions)
If required for Trust Club to respond to If required for Trust Club to respond tofluctuations in the social conditions or economic fluctuations in the social conditions or economic
conditions or to the amendment or repeal of conditions or to the amendment or repeal of
any law or regulation, for Trust Club to change any law or regulation, for Trust Club to change
its operations or systems, or for any other its operations or systems, or for any otherreason, Trust Club may amend the Terms and reason, Trust Club may amend the Terms andConditions by making it known to the Members Conditions by making it known to the Members
beforehand in accordance with the provisions of beforehand in accordance with the provisions of
the Civil Code that the Terms and Conditions the Civil Code that the Terms and Conditions
will be amended, the details of such amendment, will be amended, the details of such amendment,
and when such amendment will take effect by and when such amendment will take effect by
publishing such details on Trust Club’s website publishing such details on Trust Club’s websiteor through other appropriate means. If there or through other appropriate means. If there areare any special agreements or provisions that any special agreements or provisions that areare inconsistent with the Terms and Conditions, inconsistent with these Terms and Conditions,etc., such special agreements or provisions such special agreements or provisions shall
shall prevail. If there are Japanese and English prevail. If there are Japanese and English
versions, the Japanese version shall prevail.
versions, the Japanese version shall prevail.

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Article 32. (Defense for Withholding Payment)
Article 32. (Defense for Withholding Payment)
1. If any of the following events occur in relation 1. If any of the following events occur in relation
to a Members' use of his/her Card in revolving to a Members' use of his/her Card in revolving
payment, payment in two installments, payment payment, payment in two installments, payment
in installments, or one lump-sum payment at in installments, or one lump-sum payment atbonus time, the Members may withhold paying bonus time, the Members may withhold paying
for goods, rights, or services related to such for goods, rights, or services related to such
event until the event is resolved:
event until the event is resolved:(1) the goods, rights, or services were not (1) the goods, rights, or services were notdelivered;delivered;(2) the goods are damaged, soiled, broken, or (2) the delivered goods, transferred rights, orotherwise defective; orprovided services are inconsistent with the(3) the Members has other grounds for such agreement in terms of their type, quality, or
defense against the Merchant with respect to quantity; or
the sale of goods or right, or provision of service. (3) the Members has other grounds for suchdefense against the Merchant with respect tothe sale of goods or right, or provision of service.

Consent Clause and Important Matters Regarding Handling of Personal Information■Revision Contents
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Article 1. (Collection, Holding, Use and Provision Article 1. (Collection, Holding, Use and Provisionof Personal Information)of Personal Information)
1. Members and membership applicants 1. Members and membership applicants“Members,(etc.”) agree to the collection, “Members,(etc.”) agree to the collection,
holding, use and provision by Trust Club holding, use and provision by Trust Clubof the information set forth in the following of the information set forth in the following
items concerning themselves (the“Personal items concerning themselves (the“Personal
Information”), for the purposes of making credit Information”), for the purposes of making credit
decisions, management after extending credit, decisions, management after extending credit,
provision of Supplementary Services, and provision of Supplementary Services, andhandling of administration including but not handling of administration including but notlimited to the processing of Account Transfers, limited to the processing of Account Transfers,
etc., upon taking necessary protection measures. etc., upon taking necessary protection measures.
Management after extending credit shall include Management after extending credit shall include
the confirmation of Card use, notification to the confirmation of Card use, notification toMembers of charges for Card use (including Members of charges for Card use (including
any payment request in case of delinquency), any payment request in case of delinquency),
confirmation of contact details, and use for debt confirmation of contact details, and use for debt
collection.
collection.
(1) Particulars of Members, etc. including but (1) Particulars of Members, etc. including but
not limited to name, age, date of birth, address, not limited to name, age, date of birth, address,
telephone number, e-mail address, employer, telephone number, e-mail address, employer,
office telephone number, occupation, purpose of office telephone number, occupation, purpose oftransaction, code/number of a driver’s license, transaction, code/number of a driver’s license,
etc., assets, income, debts, status of residential etc., assets, income, debts, status of residential
circumstances that the Member etc. notifies circumstances, information on the status of
to Trust Club at the time of membership residence that the Member etc. notifies to Trust
application; particulars that a Member, etc. Club at the time of membership application;
notifies to Trust Club such as documents that particulars that a Member, etc. notifies to Trust
are submitted; particulars that a Member, etc. Club such as documents that are submitted;
notifies to Trust Club pursuant to these Terms particulars that a Member, etc. notifies to Trustand Conditions; and matters that become known Club pursuant to these Terms and Conditions;to Trust Club through telephone inquiries or by and matters that become known to Trust Clubany other means;through telephone inquiries or by any other(2) Matters concerning the agreement between means;
Trust Club and a Member, etc., such as the date (2) Matters concerning the agreement betweenof membership application, date of contract, and Trust Club and a Member, etc., such as the datecredit line;of membership application, date of contract, and(3) The Card activities and status of payments credit line;
by Members and information concerning credit (3) The date of application for use by Members,line management;
date of contract, name of Merchant, name of(4) Records of card use and payments, etc. by goods, contract amount, number of payments,
Members, etc. collected by Trust Club;ID or any other identifying information, etc.,(5) Identification documents that Members, etc. Card activities and status of payments bysubmit to Trust Club pursuant to the Act on Members and information concerning credit
Prevention of Transfer of Criminal Proceeds line management (including information thatand the identification procedures prescribed by Trust Club lawfully obtains from Merchants, etc.
Trust Club, and the matters stated therein;
accepting the credit cards);(6) Matters stated in a document issued by a (4) Records of card use and payments, etc. by
public organization that Trust Club lawfully Members, etc. received by Trust Club from theor properly obtains from a Member, etc. or the personal credit information agencies prescribedpublic organization;
in Article 2;(7) Information disclosed to the general public by (5) Identification documents that Members, etc.
means including but not limited to the Internet, submit to Trust Club pursuant to the Act on
official gazettes (Kampo), or employee lists; andPrevention of Transfer of Criminal Proceeds(8) Status of personal identification by Trust Club and the identification procedures prescribed byor a financial institution, etc. at which a Payment Trust Club, and the matters stated therein;
Account is opened.
(6) Matters stated in a document issued by apublic organization that Trust Club lawfully
or properly obtains from a Member, etc. or the
public organization;(7) Status of personal identification by TrustClub or a financial institution, etc. at which a
Payment Account is opened; and(8) In addition to the above, information obtained
through the use of Trust Club ’s website,
information disclosed to the general public bymeans including but not limited to the Internet,
official gazettes (Kampo), or employee lists,
and any other information (including individualrelated information) that Trust Club obtains in an
appropriate manner.

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Article 5. (Use/Provision of Personal Information Article 5. (Use/Provision of Personal Information
when Agreement Is Not Concluded)
when Agreement Is Not Concluded or when
Even if the agreement between Trust Club and Agreement Is Terminated)
a Member, etc.
Even if the agreement between Trust Club andfails to conclude, Trust Club may use and a Member, etc. fails to conclude, Trust Club
provide the fact that the Member, etc. applied may use and provide the fact that the Member,to Trust Club for the membership for a certain etc. applied to Trust Club for the membership
period of time pursuant to Article 1 and Article pursuant to Article 1 and Article 2.2 regardless
2.2 regardless of the reason for the failure of the of the reason for the failure of the agreementagreement to conclude. Trust Club shall not, to conclude. Trust Club shall not, however,
however, use or provide the fact in any other use or provide the fact in any other mannermanner whatsoever.
whatsoever. Similarly, even if the agreement
is terminated, Trust Club may use and provide
personal information in the same manner
regardless of the reason for the termination.
■Please contact the following for any request ■Please contact the following for any request
for disclosure or suspension of use of Personal for disclosure or suspension of use of Personal
Information:
Information:<Customer Service><Customer Service>
Triton Square Building X, 1-8-10 Harumi, Chuo- Triton Square Building X, 1-8-10 Harumi, Chuoku, Tokyo 104-6035
ku, Tokyo 104-6035
Telephone: 03-6770-2820
Telephone: 03-6852-0935
If the above line is busy, please call the following If the above line is busy, please call the following
Call Center number:Call Center number:◆ Diners Club
◆ Diners Club
Toll Free: 0120-074-024
Toll Free: 0120-074-024◆ TRUST CLUB Card
◆ TRUST CLUB Card
Toll Free: 0120-003-081
Toll Free: 0120-003-081＊Please have your Card number and PIN at ＊Please have your Card number and PIN at
hand when you call.
hand when you call.
LC-3099-202404

SKTC005-TA