Diners Club® Charge 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  the  amount  of  any  membership  fee.    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.  and  its  successors  and  assigns,  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 and may not be used to purchase goods or services for resale. 

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  also  be  used  to  obtain  cash  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 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. 

Annual Membership Fee 
The  annual  membership  fee  is  $95  for  the  primary  card  and  $35  for  each 
additional card.  The fee is non-refundable unless you notify us that you wish to 
cancel  your  account  within  30  days  from  the  mailing  or  delivery  date  of  the 
billing statement on which the fee is billed 

Billing 
Your  billing  statement  shows  the  total  due,  any  interest  charges  and  fees 
imposed during the billing cycle, 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  you  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 and 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. 

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 add an additional charge of 4.0% of the advance, but not less than $4.  The 
amount  of  the  cash  advance  may  include  a  surcharge  that  the  ATM  owner 
imposes. 

Credit Balance 
You may not maintain a credit balance 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  add  to  your  account  an 
additional fee of 3.0% of the amount of the purchase after its conversion into 
U.S. dollars. 

Information on Foreign Currency Conversion Procedures 
Any purchase you make in a foreign currency or any cash advance you obtain 
in a foreign currency will be charged to your account in U.S. dollars after being 
converted  by  MasterCard®*.    MasterCard  will  act  in  accordance  with  its 
procedures then in effect.  MasterCard uses a MasterCard conversion rate in 
effect on the day the purchase or cash advance transaction is processed.  The 
MasterCard  conversion  rate  is  either  a  government-mandated  rate  or  a 
wholesale  market  rate.  The  foreign  currency  conversion  rate  in  effect  on  the 
processing date for a transaction may differ from the rate in effect on the sale 
or posting date on your billing statement for that transaction. If a transaction is 
converted  by  a  third  party  prior  to  that  transaction  being  processed  by 
MasterCard, the foreign currency conversion rate for that transaction will be the 
rate selected by that third party. 

Total Due 
Each  month  you  must  pay  the  Total  Due  that  is  shown  on  your  billing 
statement.  Your Total Due equals the New Balance. 

Payments 
You must pay the Total Due by the payment due date. 

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 Services 
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 
Any portion of the Total Due from a previous billing period that remains unpaid 
will  appear  as  a  Past  Due  balance  on  the  current  card  billing  statement.    In 
addition, we will impose a late fee of up to $35.  If you do not pay a Past Due 
amount for two consecutive billing cycles we will assess a late fee of up to $35 
or 2.5% of the entire Past Due balance each time any portion of a Total Due 
balance is included in a Past Due balance and the Past Due Balance is more 
than $80.  The fee will not exceed the amount permitted by applicable law. 

Returned Payment Fee 
Subject to applicable law, we may add a fee of up to $29 to the account 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 
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 
(non-class,  non-
representative) Claim. 

individual 

How Arbitration Works 
  How  does  a  party  initiate  arbitration?  The  party  filing  an  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 (toll free) 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 

take  reasonable  steps 

  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 
to  protect  customer  account 
arbitrator  will 
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 line 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.    We  will  then  tell 
you if we agree or disagree with you.  If we agree, we will contact each credit 
reporting agency to which 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 or over the 
phone.  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 or account number 
at any time.  You must return the card 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  suspend  your  credit 
privileges until we can verify the activity. 

Changing this Agreement 
We may change the rates, fees, and terms of this Agreement from time to 
time as permitted by law.  Changing terms includes adding, replacing, or 
deleting  provisions  of  this  Agreement.    These  changes  are  binding  on 
you.  Subject to applicable law, we will give you advance written notice of 
the changes and a right to opt out to the extent required by law. 

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. 

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. 

® 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. 

10043171(05/13)

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 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Table 

Payment Information 

All charges made on this charge card are due and payable when you receive your periodic statement. 

Fees 

Annual Membership Fee 

Primary Card Fee $95 

Additional Card Fee $35 

Transaction Fees 

  Transaction Fee for Club 

Cash® Advances 

Either $4.00 or 4% of the amount of each cash advance, 
whichever is greater 

  Foreign Purchase 
Transaction Fees 

Penalty Fees 

  Late Payment Fees 

3% of each purchase transaction in U.S. dollars 

Up to $35.  If you do not pay a Past Due amount for two 
consecutive billing cycles, your fee will be up to $35 or 2.5% of 
the total Past Due amount. 

  Returned Payment Fee 

Up to $29