Diners Club®
Carte Blanche® Card

Cardmember Agreement

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

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

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

We can delay in enforcing or fail to enforce any of our rights under this Agreement

card to us upon request.

Refusal of the Card

can verify the activity.

Changing this Agreement 

required by law. 

Enforcing this Agreement

without losing them.

Assignment

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

•   The charge in question may remain on your statement, and we may continue to

amount.

charge you interest on that amount.

remainder of your balance.

•   While you do not have to pay the amount in question, you are responsible for the

•   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

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.)

qualify.

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

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, Carte Blanche and 

Club Cash are registered trademarks of Diners Club International Ltd.

®* MasterCard is a registered trademark of MasterCard International Incorporated.

10055377  (04/16)

We may assign any or all of our rights and obligations under this Agreement to a third

amount you question even if your bill is correct.

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
successor 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, which may appear on your statement as a spend 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 also be used to obtain
cash through any bank or automated teller machine that accepts the card, subject to
your credit 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.
Annual Membership Fee
The annual membership fee is $300 for the primary card and $150 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.

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 $80.00. The fee will not exceed

Claims Covered 

•    What Claims are subject to arbitration? All Claims relating to your account, a

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

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

surcharge that the ATM owner imposes. 

Credit Balance 

applicable law.

Other Fees

fees:

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

To the extent permitted by applicable law, your Account will be subject to the following

•    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.

For each purchase made in a foreign currency, we add to your account an additional fee

Lost or Stolen Cards or Account Numbers

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 according to its procedures then in effect. MasterCard

uses a 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

Payments

Each month you must pay the Total Due that is shown on your billing statement. Your

Total Due equals the New Balance. 

You must pay the Total Due shown on each statement 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

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

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

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 awarded for 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

ARBITRATION

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.

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

“Claims”).

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

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 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.

•    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

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

successor 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, which may appear on your statement as a spend 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 also be used to obtain

cash through any bank or automated teller machine that accepts the card, subject to

your credit 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

The annual membership fee is $300 for the primary card and $150 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

this Agreement.

Annual Membership Fee

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 according to its procedures then in effect. MasterCard
uses a 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 shown on each statement 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
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
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 $80.00. The fee will not exceed

Claims Covered 

•    What Claims are subject to arbitration? All Claims relating to your account, a

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

fees:

To the extent permitted by applicable law, your Account will be subject to the following

•    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 awarded for 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

ARBITRATION

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.

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

“Claims”).

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

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 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.

•    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

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

successor 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, which may appear on your statement as a spend 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 also be used to obtain

cash through any bank or automated teller machine that accepts the card, subject to

your credit 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

The annual membership fee is $300 for the primary card and $150 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

this Agreement.

Annual Membership Fee

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 according to its procedures then in effect. MasterCard

uses a 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.

Each month you must pay the Total Due that is shown on your billing statement. Your

Total Due equals the New Balance. 

Total Due

Payments

You must pay the Total Due shown on each statement 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

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

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 $80.00. 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 awarded for 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. 

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

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 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.

•    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

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

successor 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, which may appear on your statement as a spend 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 also be used to obtain

cash through any bank or automated teller machine that accepts the card, subject to

your credit 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

The annual membership fee is $300 for the primary card and $150 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

this Agreement.

Annual Membership Fee

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.

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 $80.00. The fee will not exceed

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

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

surcharge that the ATM owner imposes. 

Credit Balance 

applicable law.

Other Fees

fees:

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

To the extent permitted by applicable law, your Account will be subject to the following

•    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.

For each purchase made in a foreign currency, we add to your account an additional fee

Lost or Stolen Cards or Account Numbers

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 according to its procedures then in effect. MasterCard

uses a 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.

Each month you must pay the Total Due that is shown on your billing statement. Your

Total Due equals the New Balance. 

Total Due

Payments

You must pay the Total Due shown on each statement 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

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

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

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 awarded for 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

ARBITRATION

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.

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

“Claims”).

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 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 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.
•    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

Diners Club®

Carte Blanche® Card

Cardmember Agreement

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

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

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

We can delay in enforcing or fail to enforce any of our rights under this Agreement

card to us upon request.

Refusal of the Card

can verify the activity.

Changing this Agreement 

required by law. 

Enforcing this Agreement

without losing them.

Assignment

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

•   The charge in question may remain on your statement, and we may continue to

•   While you do not have to pay the amount in question, you are responsible for the

amount.

charge you interest on that amount.

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

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.)

qualify.

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

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, Carte Blanche and 

Club Cash are registered trademarks of Diners Club International Ltd.

®* MasterCard is a registered trademark of MasterCard International Incorporated.

10055377  (04/16)

We may assign any or all of our rights and obligations under this Agreement to a third

amount you question even if your bill is correct.

Diners Club®

Carte Blanche® Card

Cardmember Agreement

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.

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

•   The charge in question may remain on your statement, and we may continue to

•   While you do not have to pay the amount in question, you are responsible for the

amount.

charge you interest on that amount.

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.)

qualify.

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

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, Carte Blanche and 

Club Cash are registered trademarks of Diners Club International Ltd.

®* MasterCard is a registered trademark of MasterCard International Incorporated.

10055377  (04/16)

Diners Club®

Carte Blanche® Card

Cardmember Agreement

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

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

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

card to us upon request.

Refusal of the Card

can verify the activity.

Changing this Agreement 

required by law. 

Enforcing this Agreement

without losing them.

Assignment

party.

Applicable Law

We can delay in enforcing or fail to enforce any of our rights under this Agreement

We may assign any or all of our rights and obligations under this Agreement to a third

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.

®  Diners Club, Diners Club International with the Split Circle Device, Carte Blanche and 

Club Cash are registered trademarks of Diners Club International Ltd.

®* MasterCard is a registered trademark of MasterCard International Incorporated.

10055377  (04/16)