Diners Club® Credit Card 

Cardmember Agreement 

This  document  and  the  card  carrier  that  is  sent  with  the  card  together  make  up  your  Card  Agreement  and  throughout  this  document  are  referred  to  as 
Agreement or  Card Agreement. The  card  carrier  contains important account information, including  your  annual percentage rates  and  Facts about Interest and 
Fees. Please read  and  keep  these  documents for your  records.  This  Agreement  is binding  on  you  unless  you cancel  your  account within  30  days  after  receiving 
the  card and  you  have  not  used  or  authorized use of your  account. 

To  simplify  this  Agreement  for  you,  the  following  definitions will apply.  The  words  you, your, and  yours mean  all persons responsible for  complying  with  this 
Agreement, including  the person  who  applied  to  open  the  account and  the  person  to whom  we  address  billing  statements. The  word  card means one  or  more 
cards  or  other  access  devices,  such  as  account numbers, that we  have  issued  to  permit  you  to  obtain credit under  this  Agreement.  The  words  we,  us, and  our 
mean BMO  Harris Bank  N.A.,  the  issuer  of your  account. The words  authorized user mean  any  person  to  whom  you  give permission to  use your  account. 

Using Your Account and Your Credit Line 
The  card  must  be  signed  to  be  used.  Whether you  sign  the card  or  not,  you  are  fully responsible for  complying  with all  the  terms  of  this  Agreement, including 
the  obligation to  pay  us for  all balances  due  on  your  account as specified in this  Agreement.  Your  card  must  only  be used  for  lawful transactions. 

Your  card  can  be  used  to  buy  or  lease  goods  or  services wherever  the  card  is honored. Your  account has  a  credit  limit. The  full  amount of  the  credit  limit  is 
available  to  use  where the  card  is honored.  With  the  Club  Cash®  feature,  your  card can  be  used  for  cash  advances  through any  bank  or  automated teller 
machine  that  accepts  the  card  subject  to  your  credit limit.  Subject  to  applicable law,  we  may  reduce  your  credit limit  at  any  time.  We  will  notify  you  of  any 
new  limit  either  by  sending  you  a  notice  or  through  your  billing  statement.  A change  may  take  effect  before  you  receive  notification from us.  You  should 
always  keep  your  total  balance  below  the credit  limit.  However, if the  total  due  goes over  the  credit limit,  you  must  still pay  us. 

Additional Cards 
You  may  request  additional  cards  on  your  account  for  yourself  or  others  and  you  may  permit  an  authorized  user  to  have  access  to  the  card  or  account 
number.  However,  if  you  do,  you  must  pay  us  for  all  charges  made  by  those  persons,  including  charges  for  which  you  may  not  have  intended  to  be 
responsible. You  must  notify  us to  revoke  an  authorized user’s permission to  use your  account. If you  do  so,  we may  close the  account and  issue a new  card  or 
cards  with  a different account number. You  are  responsible for  the  use of each card  issued  on  your  account according to  the  terms  of this Agreement. 

Billing 
Your  billing  statement shows  the  New  Balance,  any  interest charges  or  fees imposed  during  the  billing  cycle,  the  minimum payment,   and  the  payment   due 
date.  It  also  shows  your  current  credit  limit;  an  itemized  list  of  current  charges,  payments  and  credits;  an  interest  charge  summary;  and  other  important 
information.  If  we  deem  your  account  uncollectible  or  if  we  institute  delinquency  collection  proceedings  by  sending  it  to  an  outside  collection  agency  or 
attorney for collection,  we may,  in our  sole discretion, stop  sending  billing statements, unless  otherwise prohibited by applicable law. 
You  must  notify  us of a change  in your  address  by contacting Customer Service by telephone or  mail.  We will mail  or deliver the  billing  statement to  only  one 
address. 

How  We Determine the Balance 
The  total  outstanding balance  (the  amount you  owe  us) appears as the  “New Balance”  on  the  billing  statement. To determine the  New  Balance,  we begin  with 
the  outstanding balance  on  your  account at  the  beginning  of each  billing period, called  the  “Previous Balance”  on  the  billing  statement. We add  any  purchases 
or  cash  advances  and  subtract  any credits  or  payments credited  as  of  that  billing  period.  We  then add  the  appropriate  Interest  charges  and  fees  and  make 
other applicable adjustments. 

Annual Percentage Rates for Purchases and Cash Advances 
Your  annual  percentage  rates  and  the  corresponding  daily  periodic  rates  appear  on  the  Facts  about  Interest  and  Fees  table.  A  daily  periodic  rate  is  the 
applicable annual percentage rate  divided  by  365.  Whether or  not  an  annual percentage rate is based  on  the  U.S. Prime  Rate  plus  a  margin  is indicated on the 
Facts about Interest and Fees table.  Please see the  section entitled  “Variable Annual  Percentage  Rates  for  Purchases  and Cash  Advances” for  details  relating  to 
how  these  rates  may change. 

Variable Annual Percentage Rates for Purchases and Cash Advances 
The  APR will vary  with  the  market based  on  the  Prime  Rate.  If any  annual percentage rate  is based  on  the  U.S. Prime  Rate plus a  margin, we will calculate  the 
rate  for  each  billing  period by  adding  the  applicable margin  that  appears on  the  Facts about  Interest and Fees table  to  the  U.S. Prime  Rate  published in  The 
Wall  Street  Journal on  the  25th  day  of each  month.  If the Wall  Street  Journal is not  published on  that  day  we will 
use  the  rate  published in  the  immediately preceding  edition. Any  increase  or  decrease  in  a  variable  annual percentage rate due  to  a  change  in  the  U.S. Prime 
Rate  takes  effect as of the  first day  of the  following  billing  period.  If The  Wall Street  Journal ceases publication or  to  publish  the  U.S. Prime Rate,  we may  use 
the  U.S.  Prime  Rate  published in  any  other  newspaper  of  general  circulation,  or  we  may  substitute  a similar  reference  rate  at  our  sole  discretion.   When  a 
change in an  applicable variable  annual percentage rate  takes  effect we will apply  it to  any  existing  balances,  subject  to  any promotional rate  that  may  apply. 

An increase  in the  variable  annual percentage rate  means you  will incur  a higher  interest  charge,  and  perhaps a higher minimum payment. 

Promotional Rate and Fee Offers 
At  our  discretion, we  may  offer  you  a  promotional annual percentage rate  for  all  or  a  part  of  any  balances.  We  may  also offer  you  a  promotional fee.  The 
period  of  time  for  which  the  promotional  rate  applies  may  be  limited.  Any  applicable  promotional  rate  or  fee,  the  corresponding  periodic  rates,  and  the 
period  of  time  during  which  it  is in  effect  will  appear on the  offer  or  card  carrier.  Any  promotional rate  or  fee offer  will be  subject  to  the  terms  of  the  offer 
and  this  Agreement. 

Interest Charges 
Interest  charges  for  purchases  and  cash  advances  will  begin  to  accrue  from  the  date  the  transaction  is  added  to  the  daily  balance,  as  described  below,  and 
continue to  accrue  until payment in  full  is credited  to  your  account. In  order  to  be eligible  for  a  grace  period  and  to  avoid  paying  additional interest  charges 
on  purchases,  you  must  pay  the  total  New Balance  listed  on  the  last  billing  statement by the  payment  due date  on  that  statement. 

We will calculate interest charges as follows 
•  We  figure  a  portion  of  the  interest  charge  on  your  account  by  multiplying  the  daily  balance  on  each  feature  (e.g.,  standard  purchases  and  standard 
advances)  by the  applicable daily  periodic  rate  and  separately adding together any  such  interest  charges  for  each  feature  for  each day  in the  billing  period. 
•  For  interest  charge  calculation purposes, the  billing  period begins  on  the  day  after  the  Statement/Closing Date  of  the previous  billing  period  and  includes 
the  Statement/Closing Date  of the  current billing  period.  The  number of days  in the  billing  period  may  vary. 
•  To  get  the  daily  balance,  we  take  the  beginning  balance  for  each  feature  every  day  (which  may  include  unpaid  interest  charges  from  previous  billing 

 
periods), add  any  new transactions, any  new  fees,  and  any  interest  charge  on  the previous  day’s  balance, subtract any  credits  or  payments credited  as  of  that 
day,  and  make  other  adjustments. A credit balance  is treated as a balance  of zero. 
•  We add  a new  purchase to  the  appropriate purchase balance  as of the  Transaction date  shown  on  your  billing statement. 
•  We  add  a new  cash  advance  to  the  appropriate purchase or advance  balance  as  of the  Post  date  shown  on  your  billing statement. The  Post  date  is the  date 
we receive your  request for  the  cash  advance.  

The  Balance  Subject  to  Interest  Rate  on  the  billing  statement are  the  averages  of  the  respective  daily  balances  during  the billing  period.  If you  multiply  this 
figure for  each  feature  by the  number of days  in the  billing  period  and  by the  applicable daily  periodic  rate,  the  result  will be the  periodic  rate  interest charges 
assessed  for  that  feature, except  for  minor  variations caused  by  rounding. This  method of  calculating the  balance subject  to  interest  charge  and  the  periodic 
rate  interest  charges results  in daily  compounding of interest  charges. 
Transaction Fee for Club Cash® Advances 
You  have  obtained a cash  advance  for  which  we assess a cash advance  transaction fee if you  obtain funds  from  an automated teller  machine  (ATM),  through 
home  banking, or through a financial  institution; make  a wire  transfer; acquire  a money  order, traveler’s  check,  lottery  ticket,  betting  or  casino chip,  or  similar 
item;  or  engage  in  another similar  transaction. For  each  cash  advance, we  may  add  an  additional fee in  the amount printed in  Facts About  Interest and Fees. 
The  amount of the  cash  advance  may  include  a surcharge that  the  ATM owner  imposes. 

Minimum Interest Charge 
If interest  charges  based  on  periodic  rates  are  being  added  to your  account, but  the  total  of such  interest  charges  for purchases and  cash  advances  is less than 
$.50,  we  assess  a minimum INTEREST CHARGE, of  $.50.  We  add  the  amount  to  the  feature  that  is being  assessed  an  interest  charge.  If more  than  one 
feature  is assessed  an  interest  charge,  we may add  the  minimum interest  charge  to  any  such  feature  at  our discretion. 

Credit Balance 
You  may  not  maintain a  credit  balance  on  your  account in excess  of  your  credit  limit.  We  will  return to  you  any  credit amount over  $1.00 if the  amount has 
been  on  your  account longer  than  six months.  You  may  request  a refund  of a credit balance  at  any  time.  We may  reduce  the  amount of any  credit balance  by 
the  amount of new  charges  billed  to  your  account. 

Transaction Fee for Purchases Made in Foreign Currencies 
For  each  purchase made  in a foreign  currency, we may  add  to your  account a transaction fee in the  amount printed in Facts About Interest and Fees. 

Information on Foreign Currency Conversion Procedures 
You  can  make  transactions  in  currencies  other  than  U.S.  dollars.      If  you  do,  MasterCard  will  convert  the  amount  of  the  transaction  to  U.S.  dollars.   
MasterCard uses either  (1) a rate  MasterCard selects from  the  range  of rates  available in wholesale  currency  markets for  the  applicable central processing  date, 
or  (2) a  rate  set by a  government for  the applicable central  processing  date.   The  conversion rate  may be  different  from  the  published rate  in  effect on  the  day 
that you  made  the  transaction or  that  we posted  the  transaction to your  Account.  If a transaction is converted by a third  party prior  to  that  transaction being 
processed, the  foreign  currency conversion rate  will be the  rate  selected  by that  third  party. 

Minimum Payment 
Each  month you  must  make  a Minimum Payment  that  is calculated as follows.  First,  we begin  with  the  greater  of any amount that  is past  due  or  any  amount 
in excess of your credit  limit.  Second,  we add  the  largest  of the  following: 
•  The  New  Balance  on  the  billing  statement if it is less than $20; 
•  $20  if the  New  Balance  is at  least  $20; 
•  1%  of  the  New  Balance  (which  calculation is rounded down  to  the  nearest  dollar)  plus  the  amount of  your  billed interest  charges  and  any  applicable late 
fee; or 
•  1.5% of the  New  Balance  (which  calculation is rounded down  to  the  nearest  dollar). 

However, the  Minimum Payment  will never  exceed  your New  Balance.  In  calculating the  Minimum Payment,  we  may subtract from  the  New  Balance  certain 
fees added  to  your account during  the  billing  period. 

Payments 
You  must  pay  at  least  the  Total  Minimum Payment  Due shown  on  each  statement by  the  payment due  date,  and you  may  pay  more  at  any  time  without a 
penalty.  The New  Balance  shown  on  your  billing  statement may  include amounts subject  to  different  periodic  rates.  Unless  otherwise required by  applicable 
law,  we  will allocate  the  amount equal to  your  Total  Minimum Payment  Due  and  credits  to  pay  off balances  at  low  periodic  rates  before  paying  off balances 
at higher  periodic  rates.  For  any  payment amount over  the  Total Minimum Payment  Due,  we  will  allocate  such  amounts to  pay off  balances  at  high  periodic 
rates  before  paying  off  balances at  lower  periodic  rates.  The  sooner  you  pay  the  New  Balance, the  less you  will  pay  in  interest  charges.  We  may  also  allow 
you  to  skip  a payment.  If we do,  we will notify  you.  If you choose  to  skip  a payment when  offered,  we will continue to assess interest  charges. 

Instructions for  making  payments are  on  your  billing statement.  In  order  to  be  credited  as  of  a  particular  day,  your  payment must  be  received  in  the  form 
specified,  and  by the  hour  specified,  in those  instructions. Do  not  send  cash payments.  We can  accept  late  or  partial payments, as well as payments that  reflect 
“paid in full”  or  other  restrictive endorsements, without losing  any  of  our  rights  under  this Agreement.  You  agree  to  pay  us in U.S. dollars  drawn on funds  on 
deposit  in the  United  States  using  a  payment check, similar  instrument, or  automatic debit  that  will be processed and  honored by  your  bank.   We reserve  the 
right  to  accept payments made  in  foreign  currency  and  instruments drawn on funds  on  deposit  outside  the  United  States.  If we do,  we  will select the  effective 
currency  conversion rate  at  our  discretion and  credit  your  account in U.S. dollars  after  deducting any fees or  costs  incurred in connection with  processing  your 
payment.  If such  fees or  costs  are  not  fully deducted at  the time  your  account is credited  for  a payment, we will bill you separately for  them. 

Optional  Payment Service 
You  may  pay  your  account online  or  you  may  request  to  make  your  payment by  phone  using  our  optional telephone payment service.  Subject  to  applicable 
law,  each  time  a  representative of  ours  helps  expedite  your  payment, you  agree  to  pay  us $14.95. Our  representatives are  trained to  tell  you  this amount if 
you  decide  to  use this  optional telephone payment service. 

Late Fee 
We  will  add  a  late  fee  to  the  standard  purchase balance  for  each  billing  period  you  fail  to  pay,  by  its  due  date,  the  Minimum  Payment.  The  late  fee  that 
applies  to  your  account is the  amount printed in Facts About Interest and Fees. The fee will not  exceed  the  amount permitted by applicable law. 

Returned Payment Fee 
We  may  add  a  fee  up  to  the  amount printed in  Facts About Interest  and  Fees when  a  payment check  or  similar  instrument is  not  honored,  when  we  must 
return it  because  it  cannot be processed, or  when  an  automatic  debit  is  returned  unpaid.  At  our  option, we  may  assess  this  fee  the  first  time  your  check  or 
payment is not  honored, even if it is honored upon resubmission. The  fee will not  exceed  the  amount permitted by applicable law. 

 
Other Fees 
To  the  extent  permitted by applicable law,  your  Account  will be subject  to  the  following  fees: 
•  Research Documentation  Fee: If you  request  a copy of a billing  statement, sales slip or  other  documents in connection with  your  account, you  account will 
be subject to  a charge  of $3.00. 

Lost or Stolen Cards or Account Numbers 
If  any  card  or  account number is  lost  or  stolen,  or  if  you  think  someone  used  or  may  use  them  without  your  permission,  notify  us  at  once  by  calling  the 
Customer Service telephone number shown  on  the  billing  statement or  the  number obtained by calling  toll-free  or  local  Directory Assistance.  We may  require 
you  to  provide  certain  information in  writing to  help  us  find  out  what  happened, and  to  comply  with  such procedures as  we may  require  in  connection with 
our investigation. Don’t  use the  card  or  account number after we’ve been  notified,  even if they  are  found  or  returned. You may  be liable  for  unauthorized use 
of the  account, but  not for  more  than  $50.  You  won’t  be liable  for  unauthorized purchases or  cash  advances  made  after  we’ve been  notified of the  loss or  the 
theft;  however, you  must  identify  for  us  the charges  on  the  billing  statement that  were  not  made  by you, or  someone  authorized by  you,  and  from  which  you 
received no  benefit. 

Default 
You  default  under  this  Agreement  if you  fail  to  pay,  by  its  due date,  the  Total  Minimum Payment  Due  listed  on  each  billing statement; file for  bankruptcy; 
pay  by  a  check  or  similar  instrument  that  is  not  honored  or  that  we  must  return because  it  cannot  be  processed;  pay  by  automatic  debit  that  is  returned 
unpaid; or  default  under  any  other  Card  Agreement  that  you have  with  us.  If you  default, we  may,  subject  to  applicable law, close  your  account and  demand 
immediate payment of  the total balance.  For  residents  of  New  Hampshire: Reasonable attorneys’ fees will be  rewarded to  you  if you  prevail  in  any action  or 
suit  brought by BMO  Harris Bank  N.A.  Also,  if you  successfully  assert  a partial defense  or  counterclaim to an action  brought by BMO  Harris Bank  N.A,  the 
court  may withhold from  BMO  Harris Bank  N.A.  the  entire  amount or  such  portion of the  attorneys’ fees as the  court  considers equitable. 

Preauthorized Charges 
If you  default, if the  card  is lost  or  stolen,  or  we change your account or  account number for  any  reason, we may suspend  automatic charges  on  that  account to 
third  party vendors  for  insurance premiums or  other  goods  or  services.  If  preauthorized charges  are  suspended, you  must  contact the third  party  vendor  to 
reinstate them.  You  are  responsible for making  direct  payment for  such  charges  until  you  reinstate automatic charges. 

Collection  Costs 
If we refer  collection  of  your  account to  a lawyer  who  is not our  salaried  employee,  to  the  extent  not  prohibited  by applicable law,  you  will  be liable  for  any 
reasonable attorney’s fees we incur,  plus  the  costs  and  expenses  of any  legal action. 

ARBITRATION 
PLEASE  READ THIS PROVISION OF THE  AGREEMENT CAREFULLY.  IT PROVIDES  THAT  ANY  DISPUTE MAY  BE RESOLVED  BY BINDING 
ARBITRATION.  ARBITRATION  REPLACES  THE  RIGHT  TO  GO  TO  COURT,  INCLUDING  THE  RIGHT  TO  A  JURY AND  THE  RIGHT  TO 
PARTICIPATE  IN  A  CLASS  ACTION  OR  SIMILAR  PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  AN  ARBITRATOR 
INSTEAD OF A JUDGE OR JURY. ARBITRATION  PROCEDURES ARE SIMPLER AND  MORE LIMITED THAN  COURT PROCEDURES. 

Agreement to Arbitrate 
Either  you  or  we  may,  without the  other’s  consent, elect mandatory, binding  arbitration for  any  claim,  dispute,  or controversy between  you  and  us  (called 
“Claims”). 

Claims Covered 
•  What  Claims  are  subject  to  arbitration?  All  Claims  relating  to  your  account,  a  prior  related  account,  or  our  relationship  are  subject  to  arbitration, 
including  Claims  regarding  the  application,  enforceability,  or  interpretation  of  this  Agreement  and  this  arbitration  provision.    All  Claims  are  subject  to 
arbitration, no  matter what  legal theory  they are  based  on  or  what  remedy  (damages, or  injunctive  or declaratory relief) they  seek.  This  includes  Claims  based 
on  contract, tort  (including  intentional tort),  fraud,  agency, your  or  our  negligence,  statutory or  regulatory  provisions, or any  other  sources  of  law;  Claims 
made  as  counterclaims,  cross-claims,  third-party  claims,  interpleaders  or  otherwise;  and  Claims  made  independently  or  with  other  claims.  A  party  who 
initiates  a proceeding in court  may  elect arbitration with  respect  to  any  Claim  advanced in  that proceeding by any  other  party.  Claims  and  remedies sought  as 
part  of a  class action,  private  attorney  general or  other  representative action  are  subject  to  arbitration on  an  individual  (non-class,  non-representative) basis, 
and  the  arbitrator may  award  relief only  on  an  individual (non-class,  non-representative) basis. 
•  Whose  Claims are subject to  arbitration?  Not  only  ours and  yours,  but  also  Claims  made  by  or  against  anyone connected  with  us  or  you  or  claiming 
through  us  or  you,  such  as  a  co-applicant  or  authorized  user  of  your  account,  an  employee,  agent,  representative,  affiliated  company,  predecessor    or 
successor,  heir,  assignee,  or  trustee  in bankruptcy. 
•  What time frame applies to Claims subject to arbitration? Claims  arising  in the  past,  present,  or  future, including Claims  arising  before  the  opening  of your 
account, are subject  to  arbitration. 
•  Broadest  interpretation. Any  questions about whether Claims  are  subject  to  arbitration shall  be  resolved  by interpreting this  arbitration provision in  the 
broadest way  the  law  will allow  it to  be enforced.  This  arbitration provision is governed  by the  Federal  Arbitration Act (the “FAA”). 
•  What about  Claims filed in Small Claims Court? Claims filed in  a  small  claims  court  are  not  subject  to  arbitration, so  long  as  the  matter  remains  in  such 
court  and  advances only  an  individual  (non-class,  non-representative) Claim. 

How  Arbitration Works 
•  How  does  a  party  initiate  arbitration?  The  party  filing  arbitration  must  choose  one  of  the  following  two  arbitration  firms  and  follow  its  rules  and 
procedures for  initiating and  pursuing an  arbitration:  American Arbitration  Association or  JAMS.  Any  arbitration hearing  that  you  attend will  be  held  at  a 
place  chosen  by the  arbitration firm  in  the  same  city  as  the  U.S. District Court closest  to  your  then  current billing  address, or  at some  other  place  to  which 
you  and  we agree  in writing. 

You  may  obtain copies  of  the  current rules  of  each  of  the arbitration firms  and  forms  and  instructions for  initiating an  arbitration by  contacting them  as 
follows: 

American  Arbitration  Association 
800-778-7879 (toll  free) Website:  www.adr.org 

JAMS 
800-352-5267 Website:  www.jamsadr.com 

At  any  time  you  or  we  may  ask  an  appropriate court  to compel  arbitration of  Claims,    or  to  stay  the  litigation of Claims  pending  arbitration, even  if such 
Claims  are  part  of a  lawsuit,  unless  a  trial  has  begun  or  a  final  judgment has been  entered.  Even if a  party  fails  to  exercise  these  rights  at any  particular time, 

 
 
 
 
or  in connection with  any  particular Claims,  that  party  can  still require  arbitration at  a later time or  in connection with  any  other  Claims. 
•  What procedures and law are applicable in arbitration? A single,  neutral arbitrator will resolve  Claims.  The  arbitrator will be  either  a  lawyer  with  at  least 
ten  years  experience  or a  retired  or  former  judge,  selected  in  accordance  with  the rules  of  the  arbitration firm.  The  arbitration will  follow procedures and 
rules  of  the  arbitration firm  in  effect  on the  date  the  arbitration is filed unless  those  procedures and  rules  are  inconsistent with  this  Agreement, in  which case 
this  Agreement  will  prevail.  Those  procedures and rules  may  limit  the  discovery  available  to  you  or  us.  The arbitrator will  take  reasonable steps  to  protect 
customer  account  information  and  other  confidential  information  if  requested  to  do  so  by  you  or  us.  The  arbitrator  will  apply  applicable    substantive  law 
consistent  with  the  FAA and  applicable  statutes  of  limitations, will  honor  claims of  privilege  recognized  at  law,  and  will  have  the  power  to award  to  a  party 
any  damages  or  other  relief  provided  for under  applicable  law.  You  or  we  may  choose  to  have  a hearing  and  be  represented by  counsel.  The  arbitrator  will 
make  any  award in writing  and,  if requested by you  or  us, will provide  a brief  statement of the  reasons  for  the  award. An award in arbitration shall  determine 
the  rights  and obligations between  the  named  parties  only,  and  only  in respect  of  the  Claims  in  arbitration, and  shall  not  have  any bearing  on  the  rights  and 
obligations of any  other  person, or  on  the  resolution of any  other  dispute. 
•  Who  pays? Whoever  files the  arbitration pays  the  initial filing fee. If we  file, we  pay;  if you  file, you  pay,  unless  you get  a  fee waiver  under  the  applicable 
rules  of the  arbitration firm.  If you  have  paid  the  initial  filing fee and  you  prevail, we will reimburse you  for  that  fee. If there  is a hearing, we will pay  any  fees 
of  the  arbitrator and  arbitration  firm  for  the  first  day  of  that  hearing.    All  other  fees  will  be  allocated  as  provided by  the  rules  of  the  arbitration firm  and 
applicable law.  However, we will advance  or  reimburse your  fees if the  arbitration firm or  arbitrator  determines there  is good  reason  for  requiring us to  do  so, 
or  if you ask  us  and  we  determine there  is good  reason  for  doing  so. Each  party  will  bear  the  expense  of  that  party’s  attorneys, experts,  and  witnesses,  and 
other  expenses,  regardless  of which  party  prevails,  but  a  party  may  recover  any  or  all expenses  from  another party  if the  arbitrator,  applying applicable law, 
so determines. 
•  Who  can  be  a  party?  Claims  must  be  brought  in  the  name  of  an  individual  person  or  entity  and  must  proceed  on  an  individual  (non-class,  non-
representative) basis.  The arbitrator will  not  award relief  for  or  against  anyone who is not  a  party.  If you  or  we  require  arbitration of  a Claim,  neither  you, 
we,  nor  any  other  person  may  pursue the  Claim  in  arbitration as  a  class  action, private  attorney general  action  or  other  representative action, nor  may  such 
Claim  be  pursued  on  your  or  our  behalf  in  any  litigation  in  any  court.    Claims,  including  assigned  Claims,  of  two  or  more  persons  may  not  be  joined  or 
consolidated in the  same  arbitration. However, applicants,  co-applicants, authorized users  on  a  single  account and/or related accounts, or  corporate affiliates 
are  here  considered as one person. 
•  When is an arbitration award final? The  arbitrator’s award is final  and  binding  on  the  parties  unless  a  party appeals  it  in  writing  to  the  arbitration firm 
within  fifteen  days  of  notice  of  the  award.    The  appeal  must  request  a  new  arbitration  before  a  panel  of  three  neutral  arbitrators  designated  by  the  same 
arbitration firm.  The  panel  will consider  all factual  and  legal issues anew,  follow  the  same rules  that  apply  to  a proceeding using  a single arbitrator, and  make 
decisions  based  on  the  vote  of the  majority. Costs  will be allocated in the  same  way  they  are  allocated for  arbitration before  a single arbitrator. An award by a 
panel  is final  and  binding  on  the  parties  after  fifteen  days has  passed.  A final  and  binding  award is subject  to  judicial review  and  enforcement as  provided by 
the  FAA or  other applicable law. 

Survival and Severability of Terms 
This  arbitration  provision  shall  survive:  (i)  termination  or  changes  in  the  Agreement,  the  account,  or  the  relationship  between  you  and  us  concerning  the 
account;  (ii)  the  bankruptcy  of  any  party;  and  (iii)  any  transfer,  sale  or  assignment  of  your  account,  or  any  amounts  owed  on  your  account,  to  any  other 
person  or  entity.  If any  portion of  this arbitration provision is deemed  invalid  or  unenforceable, the  entire  arbitration provision shall  not  remain  in  force. No 
portion of this  arbitration provision may  be amended, severed,  or  waived  absent  a written agreement between  you and  us. 

Credit Reporting 
We may report information  about  your account  to  credit bureaus. Late payments, missed payments, or other defaults on  your account  may be reflected on 
your credit report. If you request  additional cards  on  your  account for  others, you understand that  we may  report account information in your name  as well as 
in  the  names  of  those  other  people.  We  may  also  obtain  follow-up  credit  reports  on  you  (for  example,  when  we  review  your  account  for  a  credit  limit 
increase). If you  wish  to  know  the  names  of the  agencies  we have contacted, write  us  at  the  Customer Service address  listed  on the  billing  statement. We  will 
try  to  notify  you  by  telephone or  by  mail  of  any  legal  process  served  on  us  in  order  to  give you  an  opportunity to  object  to  it,  unless  the  law  prohibits the 
notice.  If you  think  we reported erroneous information to  a  credit  reporting agency,  write  us  at  the  Customer Service address  listed  on  the  billing  statement. 
We  will  promptly investigate  the  matter and  if our  investigation shows  you  are right,  we  will  contact each  credit  reporting agency  to  whom we  reported and 
will request  they  correct  the  report.  If we disagree  with  you  after  our  investigation, we will tell  you  in writing  or  by telephone and  instruct you  how  to  submit 
a statement of  your  position to  those  agencies.  Your  statement will  become  a  part  of  your  credit  record  with  them.  As required by  Utah  law,  you  are  hereby 
notified  that  a negative credit  report reflecting on  your  credit  record  may  be submitted to  a credit  reporting agency  if you  fail to  fulfill the  terms  of your  credit 
obligations. 

Telephone  Monitoring  and Recording 
From  time  to  time  we may  monitor and  record  your  telephone calls regarding your  account with  us to  assure  the  quality  of our service. 

Closing Your Account 
You  may  close  your  account at  any  time  by  notifying  us  in writing.  However, you  remain  responsible to  pay  the  total balance  according to  the  terms  of  this 
Agreement.  We  may close  your  account or  suspend  your  account privileges  at  any time  for  any  reason  not  prohibited by  applicable law  without prior  notice. 
We may  also  reissue  a different  card,  account number, or  different  checks  at  any  time.  You  must  return the card  or  the  checks  to  us upon  request. 

Refusal of the Card 
We  are  not  responsible if a  transaction on  your  account is not approved, either  by  us  or  by  a  third  party, even  if you  have sufficient  credit  available.  We  may 
limit  the  number of transactions that  may  be  approved in  one  day.  If we  detect unusual or  suspicious  activity  on  your  account, we  may temporarily suspend 
your  credit  privileges  until  we can  verify the  activity. 

Changing this Agreement 
We may change the rates, fees,  and terms of  this Agreement at any time for any reason. These  reasons may be based on information  in your credit report, 
such as your failure to  make payments to  another creditor when  due,  amounts  owed  to other creditors, the number of  credit accounts  outstanding, or the 
number of  credit inquiries. These  reasons  may  also  include  competitive  or  market-related  factors.  Changing  terms  includes  adding,  replacing, or  deleting 
provisions relating to your account and to  the nature, extent,  and enforcement of the rights and obligations  you or we may have relating to this Agreement. 
These changes are binding on you. However, if the change will cause a fee, rate, or minimum payment to increase, we will mail you written notice, subject to 
applicable law,  or at least 45  days before the beginning of the billing period in which  the change becomes  effective. If you  do  not  agree to  the change, you 
must  notify  us  in  writing  prior  to  the  effective  date  of  the  change  and  pay  us  the  total  balance,  either  at  once  or  under  the  terms  of  the  unchanged 
Agreement. Unless we notify you otherwise, use of the card after the effective date of the change shall be deemed acceptance of the new terms. 

Enforcing this Agreement 
We can  delay  in enforcing  or  fail to  enforce  any  of our  rights under  this  Agreement  without losing  them. 

Assignment 
We may  assign  any  or  all of our  rights  and  obligations under this  Agreement  to  a third  party. 

Applicable Law 
The  terms  and  enforcement  of  this  Agreement  shall  be  governed  by  federal  law  and  the  law  of  Illinois,  where  we  are  located.  This  Agreement  and  your 
account are  governed  by, to  the  extent  that  state  law  applies,  the  law  of  Illinois  without regard  to  its  conflict  of  law  principles.    Further, this  Agreement is 
made  in Illinois  and  credit  is extended to  you  from  Illinois, regardless  of where  you  live or  use your  account. 

For  Maryland residents  only,  to  the  extent  federal  law  and  the laws  of the  State  of  Illinois  do  not  apply,  this  Agreement  is governed  by  Title  12,  Subtitle  9  of 
the  Maryland Commercial Law  Article. 

New  Jersey Residents 
Because  certain  provisions of  this  Agreement  are  subject  to  governing  law,  they  may  be  void,  unenforceable  or  inapplicable in  some  jurisdictions.  None  of 
these  provisions are  void,  unenforceable or  inapplicable with  New  Jersey. 

Your Billing Rights: Keep this Document  for Future Use 
This  notice  tells you  about your  rights  and  our  responsibilities under  the  Fair  Credit  Billing Act 

What To  Do  If You Find a Mistake On Your Statement If you  think  there  is an  error  on  your  statement, write  to  us at the  address  for  billing  inquiries 
and  correspondence shown  on the  front  of your  statement. 

In your  letter,  give us the  following  information: 
•  Account information: Your  name  and  account number. 
•  Dollar amount: The  dollar  amount of the  suspected  error. 
•  Description of problem: If you  think  there  is an  error  on your  bill, describe  what  you  believe is wrong  and  why  you believe it is a mistake. 

You  must  contact us: 
•  Within  60  days  after  the  error  appeared on  your  statement. 
•  At least  3 business  days  before  an  automated payment is scheduled,  if you  want  to  stop  payment on  the  amount you think  is wrong. 

You  must  notify  us  of  any  potential errors  in writing. You may  call  us,  but  if you  do  we  are  not  required to  investigate any  potential errors  and  you  may 
have  to  pay  the  amount in question. 

What Will Happen After We Receive Your Letter 
When  we receive your  letter,  we must  do  two  things: 

1.  Within  30  days  of receiving  your  letter,  we must  tell you that we received  your  letter.  We will also  tell you  if we have already  corrected the  error. 
2.  Within  90  days  of receiving  your  letter,  we must  either correct  the  error  or  explain  to  you  why  we believe the  bill is correct. 

While  we investigate  whether or  not  there  has  been  an  error: 
•  We cannot try  to  collect  the  amount in question, or  report you  as delinquent on  that  amount. 
•  The  charge  in question may  remain  on  your  statement, and we may  continue to  charge  you  interest  on  that  amount. 
•  While  you  do  not  have  to  pay  the  amount in question, you are  responsible for  the  remainder of your  balance. 
•  We can  apply  any  unpaid amount against  your  revolving credit  limit. 

After  we finish our  investigation one  of two  things  will happen: 
•  If we made a mistake: You  will not  have  to  pay  the  amount in question or  any  interest  or  other  fees related  to  that amount. 
•  If  we  do  not  believe  there was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a 
statement of the  amount you owe  and  the  date  payment is due.  We may  then  report you as delinquent if you  do  not  pay  the  amount we think  you owe. 

If you  receive our  explanation but  still believe  your  bill  is wrong,  you  must  write  to  us  within  10  days telling  us  that you  still refuse  to  pay.  If you  do  so,  we 
cannot report you  as delinquent without also  reporting that  you  are  questioning your  bill.  We must  tell  you  the  name  of anyone  to  whom we reported you  as 
delinquent, and  we must  let those organizations know  when  the  matter has  been  settled  between us. 

If  we  do  not  follow  all  the  rules  above,  you  do  not  have  to  pay  the  first  $50  of  the  amount  you  question  even  if  your  bill  is  correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you  are  dissatisfied  with  the  goods  or  services that  you  have purchased with  your  credit card,  and  you  have  tried  in  good faith  to  correct  the  problem with 
the  merchant, you  may have  the  right  not  to  pay  the  remaining amount due  on  the purchase. 

To  use this  right,  all of the  following  must  be true: 
1.  The  purchase must  have  been  made  in  your  home  state  or within  100  miles  of  your  current mailing  address, and  the purchase price  must  have  been  more 
than  $50.  (Note:  Neither of  these  are  necessary  if your  purchase was  based  on  an advertisement we  mailed  to  you,  or  if we  own  the  company that  sold  you 
the  goods  or  services.) 
2.  You  must  have  used  your  credit  card  for  the  purchase. Purchases  made  with  cash  advances  from  an  ATM  or  with  a check  that  accesses  your  credit  card 
account do  not  qualify. 
3.  You  must  not  yet have  fully paid  for  the  purchase. 

If all of the  criteria  above  are  met  and  you  are  still dissatisfied with  the  purchase, contact us in writing at  the  address  for billing  inquiries  and  correspondence 
shown  on  the  front  of your  statement.  

While  we investigate, the  same  rules  apply  to  the  disputed amount as discussed  above.  After  we  finish our  investigation, we  will tell  you  our  decision.  At that 
point, if we think  you owe  an  amount and  you  do  not  pay,  we may  report you  as delinquent. 

®/TM Diners Club, Diners Club International with the Split Circle Device and Club Cash are registered trademarks of Diners Club International Ltd. 

® * MasterCard is a registered trademark of MasterCard International Incorporated. 

10050608 (05/14) 

 
 
 
 
Pricing Information Table 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

APR for Cash Advances 

Paying Interest 

13.15% 
This APR will vary with the market based on the Prime Rate. 

13.15% for Diners Club Credit Card 
22.24% for Diners Club Card Premier and Diners Club Card Elite 
This APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle.  We 
will not charge you any interest on purchases if you pay your entire balance 
by the due date each month.  We will begin charging interest on cash 
advances [and balance transfers for Diners Club Credit Card] on the 
transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than 50 cents. 

Method of Computing the 
Balance 

Daily Balance (including current transactions) 

Fees 
Annual Fee 

$0 for Diners Club Credit Card. 
$95 primary card and $35 additional card for Diners Club Card Premier. 

$300 primary card and $150 additional card for Diners Club Card Elite. 

Transaction Fees 

  Cash Advance 

Either $4 or 4% of the amount of each cash advance, whichever is greater. 

  Foreign Purchase 
Transaction 

3% of each purchase transaction in US dollars for Diners Club Credit Card. 
None for Diners Club Card Premier and Diners Club Card Elite. 

Penalty Fees 

  Late Payment 

Diners Club Credit Card: 

Up to $15 on balances up to $100, 
Up to $29 on balances of $100 up to $1000, and 
Up to $35 on balances of $1,000 and over.  

Up to $37 for Diners Club Card Premier and Diners Club Card Elite. 

  Returned Payment 

Up to $29 for Diners Club Credit Card. 
Up to $37 for Diners Club Card Premier and Diners Club Card Elite. 

Details About Your  
Interest Rates and  
Interest Calculations 
Purchases 
Interest Calculations 
Cash Advances 

APR as of 
9/30/2014 

Daily Periodic Rate 
As of 9/30/2014 

13.15%   (v) 
13.15% to 22.24% (v) 

.0360273 
.0360273 to .0609315 
(v) = Variable rate 

For variable rates: 
Prime Rate Plus 

9.9% 
9.9% to 18.99% 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the 
Prime Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to 
increase.  If the Prime Rate decreases, it will cause the APR to decrease.  For each billing period we use the 
Prime Rate published in The Wall Street Journal on the 25th day of each month.  If the Wall Street Journal is 
not published on that day, we will use the rate published in the immediately preceding edition.  If the Prime 
Rate causes an APR to change, we put the new APR into effect as of the first day of the billing period for 
which we calculate the APR.  We apply the new APR to any existing balances, subject to any promotional 
rate that may apply.  If The Wall Street Journal does not publish the Prime Rate, we will use a similar 
published rate. 

Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may 
increase as well. 
Daily Balance.  We use the daily balance method (including current transactions) for each of your different 
balances.  We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in 
the billing period. To get the daily balance, we take the beginning balance for each feature every day (which 
may include unpaid interest charges), add any new transactions, any new fees, and any interest charge on 
the previous day’s balance, subtract any credits or payments credited as of that day, and make other 
adjustments.