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 w e  
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. 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. 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 
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. 

12/14 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 
Interest Calculations
Purchases 
Cash Advances 

APR as of 
12/31/2014 

Daily Periodic Rate 
As of 12/31/2014 

For variable rates: 
Prime Rate Plus 

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

.0360273 
.0360273 to .0609315 

9.9% 
9.9% to 18.99% 

(v) = Variable rate 

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.