Diners Club�
Carte Blanche� Card
Cardmember Agreement Cardmember Agreement
This document and the card carrier that is sent with the card together make 
up your Card Agreement and throughout this document are referred to as 
Agreement  or Card Agreement . The card carrier contains important account 
information including the amount of any membership fee. Please read and keep 
these documents for your records. This Agreement is binding on you unless you 
cancel your account within 30 days after receiving the card and you have not 
used or authorized use of your account.
To simplify this Agreement for you, the following definitions will apply. The 
words you, your , and yours  mean all persons responsible for complying with 
this Agreement, including the person who applied to open the account and 
the person to whom we address billing statements. The word card means one 
or more cards or other access devices, such as account numbers, that we have 
issued to permit you to obtain credit under this Agreement. The words we, us , 
and our mean BMO Harris Bank N.A. and its successor and assigns, the issuer of 
your account. The words authorized user  mean any person to whom you give 
permission to use your account.
Disclosures for Active Duty Members of the Military and  
their Dependents
The following applies to members of the military and their dependents if, at 
the time you establish a covered account, you are an active duty member of 
the military or you are a dependent of an active duty member of the military 
(as set forth in the Military Lending Act, 10 U.S.C. 987 , and its implementing 
regulations). 
The Arbitration Provision of this Agreement does not apply to individuals covered 
by this section.
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.
Automatic Billing Updater Service
We participate in the Mastercard� Automatic Billing Updater (ABU) service.  When 
your card number or expiration date is updated, or your account is closed, we 
will provide the updated card information to merchants who participate in ABU 
with whom you have automatic billing arrangements (such as telephone, cable 
companies, insurance and health clubs).  Since not all merchants participate in 
ABU, you should notify each merchant with whom you have automatic billing 
arrangements of the updated card information to ensure your payments are not 
interrupted. If you do not want us to provide your card updates through ABU, 
please call the customer service number on the back of your charge card and 
allow 60 days for your opt out to take effect.
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 may add an additional 
fee in the amount printed in Facts About Fees . Pricing terms are also available in 
the specific product Pricing Tables at www.bmoharris.com/us/about/legal . 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 Payment Fee
We will add a Late Payment Fee to the standard purchase balance for each 
billing period you fail to pay, by its due date, the Minimum Payment. The Late 
Payment Fee that applies to your account is the amount printed in Facts About 
Fees . Pricing terms are also available in the specific product Pricing Tables 
at www.bmoharris.com/us/about/legal . The fee will not exceed the amount 
permitted by applicable law.
Returned Payment Fee 
We may add a Returned Payment Fee up to the amount printed in Facts About 
Fees . Pricing terms are also available in the specific product Pricing Tables at 
www.bmoharris.com/us/about/legal . A Returned Payment Fee may be charged 
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.   Fees Disclosed at Time of Request 
Unless prohibited by law, we also may charge you other fees from time to time. 
If a fee applies to your account, we will tell you the amount of the fee at the 
time you request the service.
Some fees that may apply to your account include:
1. A Replacement Card Fee  if you request a replacement card;
2.  An Expedited Delivery Fee  (in addition to any other applicable fees) if you 
ask us to send a card by expedited delivery;
3.  A  Dual Statement Fee  if you ask us to send your Statements in both paper 
and electronic form;
4.  A  Document Fee  if you ask us to provide copies of documents, such as sales 
slips and receipts; and
5.  An Expedited Payment Fee  if a representative of ours helps expedite 
your payment.
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.  
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 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. 
Consent to Telephone Calls and Monitoring
You authorize us (which includes, for the purposes of this paragraph, our agents 
and representatives) to contact you using automatic telephone dialing systems, 
artificial or prerecorded voice message systems, email and text messaging 
systems in order to provide you with information regarding your account, 
including information about missed payments, the suspected misuse of your 
card, or general servicing items. You authorize us to make such contacts using 
any telephone numbers (including wireless, landline and Voice Over Internet 
Protocol numbers) you have supplied or will supply to us in connection with 
your account or any other account you may have or will establish with us. You 
understand that anyone with access to your telephone may listen to or read the 
messages we leave or send you, and you agree that we will have no liability for 
anyone accessing such messages. You further understand that, when you receive 
a telephone call or text message, you may incur a charge from the company that 
provides you with telecommunications, wireless and/or data services, and you 
agree that we will have no liability for such charges. You expressly authorize us 
to monitor and record your calls with us. You agree that you are the owner and/
or primary user of any telephone number or email address you provide to us and 
that you will notify us if this is no longer true as to any such telephone number 
or email address.
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 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.
Banking products and services are subject to bank and credit approval and are provided by  
BMO Harris Bank N.A. Member FDIC.
�  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.
� 2021 BMO Harris Bank N.A. All Rights Reserved. 
F03-W757-9-0921 50367885  09/21-2363