Diners Club®  
Credit Card 
Cardmember 
Agreement 

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  we issue that allows you or an authorized 
user to obtain credit under this Agreement. It also means any 
other access device that allows you or an authorized user to 
obtain credit, including your account number. 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. Subject to applicable law, we may reduce your 
credit limit at any time.

Your account may also include a cash limit, which will be a 
percentage of and subject to your credit limit. 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 cash limit. We may reduce your cash limit at 
any time, and we may limit the frequency and amount of cash 
withdrawals you may make in any time period.  

We will notify you of any new credit or cash limit either by 
sending you a notice or through your billing statement. A 
change to your cash or credit limits 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 your 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 last 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 (your New Balance less any new interest charges and 
any new Late Fee) plus the amount of your billed interest 
charges and any applicable late fee; we then round this 
number down to the nearest dollar; 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. Although we credit your 
payments as described on your billing statement, we may 
not make credit available on your Account in the amount 
of your payment right away. 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 
Online Payments. 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. 

In-Branch Payments. If you have a Diners Club branded card, 
you may deliver your payment during normal business hours 
to a Customer Service Representative at any bank branch 
identified by the BMO Harris name, brand or logo. We will 
credit such payments on the day we receive them.

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.

10055379  (04/16)