b'IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money\nlaundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.\nWe may also ask to see your driver\xe2\x80\x99s license or other identifying documents.\nNORDSTROM CREDIT CARD ACCOUNT OPENING DISCLOSURE TABLE, APR, FEE, AND OTHER IMPORTANT INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for\nNordstrom Purchases\n\n25.90% This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you\npay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $40.\nUp to $29.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See your Nordstrom Credit Card Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Nordstrom Credit Card Agreement.\nNotice to Members of the Armed Forces and Their Dependents: Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. See your Nordstrom Credit Card Agreement for more details. You may also call 888.246.8731.\nNotice: We may report information to credit bureaus about this account with respect to all approved applicants and all authorized users.\nLate payments, missed payments, or other defaults on this account may be reflected in your credit report and that of your authorized user\xe2\x80\x99s credit\nreport. If you do not want the status of this account to be reported to your authorized user\xe2\x80\x99s credit bureau file, do not list an authorized user.\nThe information about the costs of the card described in this application and the enclosed Nordstrom Credit Card Agreement are accurate as of August 24,\n2020. This information may have changed after that date. To find out what may have changed, call us at 1.800.964.1800 or write to us at: Nordstrom, P.O. Box\n6555, Englewood, CO 80155-6555.\n\n08/20\n\n\x0cNORDSTROM VISA PLATINUM\xc2\xae AND NORDSTROM VISA SIGNATURE\xc2\xae ACCOUNT OPENING DISCLOSURE TABLE APR, FEE, AND OTHER IMPORTANT INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for\nNordstrom Purchases\n\nAPR for\nNon-Nordstrom Purchases\n\n18.90% to 25.90% when you open your account, based on your creditworthiness. After that, your APR will\n\nvary with the market based on the Prime Rate. The APR assigned to your account for Nordstrom Purchases will be printed\non the temporary card you receive when you open your account.\n\n18.90% to 25.90% when you open your account, based on your creditworthiness. After that, your APR will\n\nvary with the market based on the Prime Rate. The APR assigned to your account for Non-Nordstrom Purchases will be\nprinted on the temporary card you receive when you open your account.\n\nAPR for Cash Advances\n\n26.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you\npay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction\ndate.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $40.\nUp to $29.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See your Nordstrom Credit Card Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Nordstrom Credit Card Agreement.\nNotice to Members of the Armed Forces and Their Dependents: Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. See your Nordstrom Credit Card Agreement for more details. You may also call 888.246.8731.\nNotice: We may report information to credit bureaus about this account with respect to all approved applicants and all authorized users.\nLate payments, missed payments, or other defaults on this account may be reflected in your credit report and that of your authorized user\xe2\x80\x99s credit\nreport. If you do not want the status of this account to be reported to your authorized user\xe2\x80\x99s credit bureau file, do not list an authorized user.\nThe information about the costs of the card described in this application and the enclosed Nordstrom Credit Card Agreement are accurate as of August 24,\n2020. This information may have changed after that date. To find out what may have changed, call us at 1.800.964.1800 or write to us at: Nordstrom, P.O. Box\n6555, Englewood, CO 80155-6555.\n\n08/20\n\n\x0cNORDSTROM CREDIT CARD AGREEMENT\n\n4. AUTHORIZED USERS.\n\nIn this Nordstrom Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cTD\nBank\xe2\x80\x9d mean TD Bank USA, N.A., a national bank with its main office located in Delaware,\nand its successors and assignees. The terms \xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cmy,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d \xe2\x80\x9cyou,\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean each person who has signed or otherwise submitted an application or other forms\nwhen opening or requesting a Nordstrom credit card account (a \xe2\x80\x9cNordstrom credit\ncard account,\xe2\x80\x9d \xe2\x80\x9cNordstrom Visa Platinum,\xe2\x80\x9d \xe2\x80\x9cNordstrom Visa Signature,\xe2\x80\x9d or collectively,\nthe \xe2\x80\x9cCredit Card Account\xe2\x80\x9d) and each person who is liable to pay for amounts owed\nunder the Credit Card Account. By applying for and using a Nordstrom Credit Card, you\nacknowledge and agree that you are providing, and you direct the recipient to provide,\ninformation from your application (and updates you provide to this information) to both\nTD Bank for its credit card banking purposes, and to Nordstrom, Inc. (\xe2\x80\x9cNordstrom\xe2\x80\x9d)\nfor its retail purposes. Please keep in mind that TD Bank shares information about you\nto Nordstrom and its affiliates for use in connection with the Nordstrom Credit Card\nprogram and as otherwise permitted by law. Please see the Nordstrom Credit Card\nPrivacy Notice for more information.\n\nI understand and agree that if I authorize or permit other persons to use my Credit\nCard Account, TD Bank will be unable to determine whether any particular purchase\ncharged to my Credit Card Account by an authorized user was in fact authorized by me\nor made for my benefit, and I specifically agree that I will pay for all purchases charged\nto my Credit Card Account by an authorized user, whether or not such purchases\nwere specifically authorized by me or made for my benefit. If I want to cancel the\nauthorized or permitted use of my Credit Card Account by another person, I must\ncall 1.800.964.1800, or provide written notification to Nordstrom at P.O. Box 6555,\nEnglewood, CO 80155, and recover and destroy any such credit card in such person\xe2\x80\x99s\npossession.\n\nWe have engaged Nordstrom Card Services, an affiliate of Nordstrom, as our service\nprovider for the Nordstrom Credit Card program and your Credit Card Account. When\nyou call or write to us, you will be contacting Nordstrom Card Services for Credit Card\nAccount servicing.\n\n6. MISREPRESENTATION.\n\nPart I of this Agreement sets forth the terms and conditions applicable to all Credit\nCard Accounts. Part II of this Agreement provides consumer disclosure statements\naddressing Credit Card Accounts Billing Rights Summary.\n\nPART I \xe2\x80\x94 CREDIT CARD ACCOUNTS TERMS AND CONDITIONS\n1. ACCEPTANCE OF AGREEMENT.\nThis Agreement governs the use of my Nordstrom Credit Card Account. I have read and\nkept this Agreement for my records. The application I signed or otherwise submitted\n(including the accompanying federal and state notices) and the card carrier sent\nwith my Credit Card Account are part of and are incorporated into this Agreement.\nMy signature on the application I submitted requesting a credit card represents my\nsignature on this Agreement and each use of the Credit Card Account confirms my\nagreement to the terms and conditions stated in this Agreement, as they may be\namended from time to time. This Agreement begins on the earlier of the date that my\napplication is approved, or the date that I am allowed to use my Credit Card Account,\nas evidenced by a signed sales slip, memorandum, or otherwise. If my application is\napproved and I am issued a credit card, I agree to pay all amounts owed under this\nAgreement.\n2. CHANGE IN TERMS.\nSubject to the governing law provision (described below in Part I, paragraph 8 of this\nAgreement), (a) TD Bank has the right to change any term of this Agreement at any time,\nincluding, without limitation, any Annual Percentage Rate (as defined below), any other\nrates and fees, and may add or delete fees and other provisions relating to my Credit\nCard Account, and to the nature, extent and enforcement of the rights and obligations\nI may have under this Agreement; and (b) the change may be applied to any amount\nowed in connection with my Credit Card Account at the time of the change. Subject\nto applicable law, I will be given written notice before the effective date of any such\nchange.\n3. PROMISE TO PAY.\nI agree to pay in U.S. Dollars for all purchases and cash advances, (including applicable\nInterest Charges for Credit Card Accounts) and Fees (as defined in paragraphs 20 and 21\nof Part I, below) incurred by me or anyone I authorize or permit to use my Credit Card\nAccount or credit card, even if I do not notify TD Bank that others are using my Credit\nCard Account or credit card. All checks must be drawn on funds on deposit in the United\nStates. If my Credit Card Account is a joint account, all cardmembers agree to be liable\nindividually for the entire amount owed on the Credit Card Account. We can accept late\npayments or partial payments or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nwithout losing our right to receive the full amount owing on your Credit Card Account\nor any of our other rights under this Agreement. I understand that I may pay the\nunpaid balance in whole, or in part, at any time. I agree to address all communications\nconcerning disputed debts, including instruments tendered as full satisfaction of debt,\nto the following address: Nordstrom, P.O. Box 6555, Englewood, CO 80155.\n\n5. LOST OR STOLEN CARDS.\nIf any credit card is lost or stolen, or if I think that someone is using my Credit Card\nAccount or credit card without my permission, I will immediately call 1.800.964.1800, or\nprovide written notification to Nordstrom at P.O. Box 6555, Englewood, CO 80155.\n\nIn the event that any information given to TD Bank in connection with my application\nor any future transaction involving my Credit Card Account is false or misleading, TD\nBank reserves the right to terminate this Agreement and take any and all legal action\navailable under applicable law.\n7. CANCELLATION.\nFor any reason not prohibited by applicable law and with only such notice as is required\nby law, TD Bank has the right at any time to terminate my Credit Card Account and this\nAgreement as it relates to future purchases or cash advances, or to limit or cancel\nmy Credit Card Account and credit card privileges. I may terminate this Agreement,\nby providing notice in writing to Nordstrom at P.O. Box 6555, Englewood, CO 80155,\nand destroying my credit card(s). Termination of this Agreement, or any limitation or\ncancellation of my Credit Card Account or credit privileges, will not affect my liability\nwith respect to all outstanding balances, and I will still be responsible for paying any\noutstanding balance or other amounts I owe according to the terms of this Agreement.\nTD Bank specifically reserves the right to close my current Credit Card Account based on\nthe delinquency of any of my other Credit Card Accounts.\n8. GOVERNING LAW; ENFORCEABILITY.\nI understand that this Agreement, each term of this Agreement, and any amendment to\nthis Agreement are governed by and construed in accordance with United States federal\nlaw and the laws of the state of Delaware (without regard to any Delaware conflict of law\nprinciples). For example, for Credit Card accounts, this Agreement is made in Delaware\nand credit is extended to me from Delaware, so the Credit Card terms of this Agreement\nare governed by Delaware law, regardless of where I reside or where I use my account.\nI agree that if a dispute arises and I file suit against TD Bank, service of process may\nbe made only at TD Bank\xe2\x80\x99s main office in Cherry Hill, New Jersey. If any part of this\nAgreement becomes unenforceable, it will not make any other part of this Agreement\nunenforceable.\nFor Maryland residents with a Credit Card Account, to the extent federal law and the\nlaws of the State of Delaware do not apply, this Agreement is governed by Title 12,\nSubtitle 9 of the Maryland Commercial Law Article.\n9. RESERVATION OF RIGHTS.\nWe reserve the right not to assess part or all of any fee or other amounts, or not to\nexercise any other of its rights under this Agreement, and, by doing so, we will not have\nwaived our right to assess such fee or other amounts or exercise other rights under this\nAgreement in the future. We reserve the right to reject, or refuse to accept, payments or\ncredits, for any reason, including based on the frequency or amount of the transaction,\nor as set forth in Part I, paragraph 16, below.\n10. CREDIT REPORTING; INACCURATE INFORMATION.\nI hereby authorize TD Bank at its discretion to furnish information concerning my Credit\nCard Account to consumer reporting agencies and others who may properly receive\nsuch information. I may provide written notification by writing to Nordstrom at P.O.\nBox 6555, Englewood, CO 80155, if I believe TD Bank has information about me that is\ninaccurate, or that TD Bank has reported or may report to a consumer reporting agency\ninformation about me that is inaccurate.\n\n\x0c11. AUTHORIZATIONS.\n\n19. INTEREST CHARGES.\n\nSome purchases made with my Credit Card Account will require prior authorization,\nand I may be asked to provide identification. If our authorization system is not working,\nwe may not be able to authorize a transaction, even if your Credit Card Account has\nsufficient available credit. TD Bank will not be liable to me if any of these events happen.\nTD Bank is not responsible for the refusal of anyone to accept or honor my credit card.\n\nA. Balance Categories.\n\n12. ASSIGNMENT.\nI may not sell, assign, or transfer my Credit Card Account without first obtaining TD\nBank\xe2\x80\x99s prior written consent. TD Bank may sell, assign or transfer my Credit Card\nAccount and TD Bank\xe2\x80\x99s rights under this Agreement without prior notice to me.\n13. USE OF CARD.\nI understand and agree that I may use my Credit Card Account only for personal, family\nand household purposes, and I may not use my Credit Card Account for any illegal\npurpose. Joint cardmembers shall have the right to use the Credit Card Account to the\nextent of any available credit limits.\n14. CHANGE OF RESIDENCE.\nIf I move, I agree to promptly notify TD Bank of my new address by calling\n1.800.964.1800, or by writing to Nordstrom at P.O. Box 6555, Englewood, CO 80155.\n15. TELEPHONE COMMUNICATIONS.\n\nInterest charges are calculated separately for Purchases and Cash Advances.\n\xe2\x80\x9cPurchases\xe2\x80\x9d are purchases of goods or services from a Nordstrom or other merchant\nlocation. \xe2\x80\x9cCash Advances\xe2\x80\x9d are advances from an automated teller machine (ATM);\nthrough a convenience check, home banking, a financial institution, casino, hotel,\nor similar location; by making a wire transfer, balance transfer, or bill payment; by\nacquiring a money order, traveler\xe2\x80\x99s check, lottery ticket, casino chip, or similar item; or\nother similar transactions.\nInterest Charges will be calculated separately for Nordstrom and Non-Nordstrom\nPurchases. \xe2\x80\x9cNordstrom Purchases\xe2\x80\x9d are purchases I make using my Nordstrom retail\nor Nordstrom Visa card at Nordstrom locations, including Nordstrom full-line stores,\nNordstrom Rack stores, nordstrom.com, nordstromrack.com, HauteLook, through\nNordstrom catalogs and for purchases of Nordstrom gift cards through CashStar\xc2\xae. \xe2\x80\x9c\nNon-Nordstrom Purchases\xe2\x80\x9d are purchases I charge to my Nordstrom Visa card that are\nnot Nordstrom Purchases. I understand at this time the Nordstrom retail credit card\ncannot be used to make purchases at Nordstrom stores located in Canada.\nIn this Agreement, a separate balance for Nordstrom Purchases, Non-Nordstrom\nPurchases or Cash Advances is sometimes called a \xe2\x80\x9cBalance Category.\xe2\x80\x9d My billing\nstatement may show a single calculation of interest charges for multiple Balance\nCategories if the same Annual Percentage Rate applies to the Balance Categories.\n\nYou agree that we, and our representatives on our behalf, may monitor and/or record\nyour calls for quality assurance and other appropriate purposes, unless, at the\ncommencement of each telephone conversation, you advise the representative assisting\nyou that you do not wish the call to be monitored and/or recorded. You authorize us\nand our representatives to make telephone calls to you or send you text messages at\nany telephone number you have given to us and our representatives or from which you\nhave telephoned, including, without limitation, cellular or mobile phones. You authorize\nus and our representatives to make such telephone calls and/or leave prerecorded\nmessages, using automatic telephone dialing devices at any telephone number you\nhave given to us and our representatives, for any purpose related to your Credit Card\nAccount.\n\nB. When Interest Charges Begin to Accrue on Purchases.\n\n16. MONTHLY PAYMENTS.\n\nThere is no \xe2\x80\x9cgrace period\xe2\x80\x9d for Cash Advances. The interest charge on any Cash Advance\nbegins on the date of the transaction. This paragraph 19.C only applies to Credit Card\nAccounts that have a Cash Advance feature.\n\nEach month, I agree to pay at least the Minimum Payment Due shown on my monthly\nbilling statement no later than the payment Due Date shown on the monthly billing\nstatement. The Minimum Payment Due is the sum of the Current Due and any past due\namount. The Current Due is calculated as shown under Paragraph 17, below (\xe2\x80\x9cMINIMUM\nMONTHLY PAYMENTS\xe2\x80\x9d), and may include \xe2\x80\x9cFees.\xe2\x80\x9d I may at any time pay more than the\nMinimum Payment Due, or pay off my entire Credit Card Account balance in full without\nincurring any additional charge. All payments must be mailed or delivered to Nordstrom\nat the address shown on my monthly billing statement. Any payment received at this\naddress will be posted in a timely manner as required by law. The back of my statement\ncan be referenced for payment instructions. I must include my payment stub, and not\nsend cash. If any payment does not conform to these requirements, the payment may\nnot be credited to my Credit Card Account for up to five (5) days, or may be rejected.\nI understand that a credit may not be treated as a payment and will not satisfy the\nMinimum Payment Due, and that there may be a delay in the posting of a credit on my\nCredit Card Account.\n17. MINIMUM MONTHLY PAYMENTS.\nThe Current Due each month will be the greater of $40 or the sum of all Interest Charges\nand Fees imposed during the current billing cycle plus 1% of my New Balance, rounded\nto the next higher whole dollar amount; provided, that if the New Balance shown on my\nmonthly billing statement is less than $40, the Current Due will be my New Balance.\n18. SPECIAL PAYMENT OPTIONS.\nFrom time to time TD Bank may reduce my Annual Percentage Rate or interest charge,\nor allow me to take advantage of other options that may be made available. We may end\nthe special payment option if your minimum payment is not received within 60 days of\nyour due date. Qualifying promotional balances are included in the calculation of your\nminimum payment due. Other restrictions and details of these special programs will be\nprovided to me at the time they are offered.\n\nMy due date is at least 25 days after the close of each billing cycle. In order to be\neligible for a grace period on Purchases for the current billing cycle, I must pay my New\nBalance in full by the payment Due Date shown on that billing statement. If I do not pay\nthe entire amount of the New Balance by that date, there will be an interest charge on\neach Purchase from the date the Purchase is made. For purposes of this paragraph 19.B,\nTD Bank will consider credits to my Credit Card Account resulting from an exchange\nor return of a Purchase included in my Previous Month\xe2\x80\x99s New Balance only when\ndetermining whether I have paid the entire New Balance shown on my monthly billing\nstatement by the payment Due Date.\nC. When Interest Charges Begin to Accrue on Cash Advances.\n\nD. Daily Balance Method for Computation of the Balances Subject to Interest\nCharges.\nThe interest charge is figured by applying the periodic rate (as described below in\nparagraph 19.E) to the \xe2\x80\x9cdaily balance\xe2\x80\x9d of my account for each day in the billing cycle.\nTo get the \xe2\x80\x9cdaily balance\xe2\x80\x9d of a Balance Category, we take the beginning balance of that\nBalance Category each day, add any new transactions or charges and subtract any\ncredits or payments (or portions thereof) that are applicable to that Balance Category.\nThis gives us the daily balance for each Balance Category.\nEach day\xe2\x80\x99s interest charge on a Balance Category is added to the daily balance of that\nBalance Category to get the beginning balance for the next day and will be part of the\nBalance Category on which future interest charges are assessed until paid. The total\ninterest for a billing cycle is equal to the sum of the daily interest for each day in the\nbilling cycle.\nLate Payment Fees and/or Return Payment Fees are prorated and allocated to the\nBalance Categories based on the balances of my Balance Categories on the day I\nincurred the Late Payment Fee or Return Payment Fees. Miscellaneous fees will be added\nto my Nordstrom Purchase Balance Category on the day I incurred the fee.\nWe will round daily interest charge calculations for a Balance Category to the nearest\nwhole cent. If I paid in full the New Balance shown on my previous month\xe2\x80\x99s billing\nstatement by the specified payment Due Date, we will consider your daily balance of\nNordstrom Purchases and Non-Nordstrom Purchases to be zero for each day of the\ncurrent month\xe2\x80\x99s billing cycle. A credit balance on a Balance Category is considered to be\nzero for purposes of calculating the balance subject to interest charges.\n\n\x0cE. Interest Charge Rates.\n\nB. Returned Payment Fee.\n\nThe Daily Periodic Rate for a Balance Category is determined by dividing the ANNUAL\nPERCENTAGE RATE for the Balance Category by 365. The ANNUAL PERCENTAGE RATE for a\nBalance Category is determined by adding a percentage rate (called a \xe2\x80\x9cMargin\xe2\x80\x9d) to the\nPrime Rate for a billing cycle.\n\nIf any payment on my Credit Card Account (such as a check, draft, or similar instrument,\nor any electronic fund transfer) is uncollectible or is dishonored for any reason, TD\nBank may charge me and I agree to pay a Returned Payment Fee of up to $29. The\namount of the Returned Payment Fee will be determined in accordance with applicable\nlaw. Therefore, the fee generally will not exceed the amount of the applicable Minimum\nPayment Due. TD Bank may assess this fee the first time any one of my payment(s) is\nnot honored or paid, even if such payment is later paid following resubmission. TD Bank\ndoes not have to attempt to collect any payment more than once.\n\nThe ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) for a Balance Category may\nvary from billing cycle to billing cycle if the Prime Rate for a billing cycle changes. The\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d is the highest prime rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of\nThe Wall Street Journal print edition on the 15th day of a month, or the next business day\nif the 15th is not a business day. The Prime Rate for a billing cycle is the Prime Rate most\nrecently available as of the beginning of the billing cycle.\n\n22. CREDIT LIMIT.\n\nThe ANNUAL PERCENTAGE RATES that may apply to a Balance Category are the \xe2\x80\x9cStandard\nANNUAL PERCENTAGE RATES\xe2\x80\x9d for the Balance Category (described in paragraph 19.F).\n\nI agree that TD Bank may establish credit limits and that my credit purchases and cash\nadvances at any one time will not exceed my credit limits. I will be advised of my initial\ncredit line at the time I receive my credit card. I agree that TD Bank may change my\ncredit line from time to time based upon TD Bank\xe2\x80\x99s evaluation of changes in my credit\ncapacity. If I exceed my credit line, TD Bank has the right to refuse further purchases\nor advances, and to suspend or cancel my account under the terms of this Agreement.\nTD Bank will identify any subsequent changes to my credit line on my periodic billing\nstatements.\n\nF. Standard ANNUAL PERCENTAGE RATES.\n\n23. AVAILABLE CREDIT.\n\nNordstrom Credit Card Accounts.\n\nAfter a payment or credit is posted to my Credit Card Account, or after TD Bank learns\nmy payment has been dishonored and attempts to resubmit my payment, it may take\nup to 21 days before my total available credit is restored in an amount equivalent to\nthe payment or credit amount. For example, if I pay my account balance in full, it may\ntake up to 21 days after my payment is made before that payment is considered in\ndetermining the amount I can borrow on my account.\n\nAny change in the ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) will take effect on\nthe first day of the next billing cycle following a change in the Prime Rate and will apply\nto any outstanding balance on my Credit Card Account. If the ANNUAL PERCENTAGE RATE\n(and Daily Periodic Rate) increases, the amount of the interest charges and the Current\nDue may increase.\n\nThe Standard ANNUAL PERCENTAGE RATE for Nordstrom Purchases is the Prime Rate plus\na Margin of 22.65 percentage points. As of August 24, 2020, this ANNUAL PERCENTAGE\nRATE was 25.90% (Daily Periodic Rate of 0.07096%).\nNordstrom Visa Platinum and Nordstrom Visa Signature Accounts.\nThe Standard ANNUAL PERCENTAGE RATE(S) that apply to Purchases are based on my\ncreditworthiness and described below in Tiers I and II. TD Bank will disclose the Standard\nANNUAL PERCENTAGE RATE(S) that apply to Nordstrom Visa Platinum or Nordstrom Visa\nSignature before I use my account.\nTier I Accounts: The Standard ANNUAL PERCENTAGE RATE for both Nordstrom and NonNordstrom Purchases is the Prime Rate plus a Margin of 15.65 percentage points. As of\nAugust 24, 2020, this ANNUAL PERCENTAGE RATE was 18.90% (Daily Periodic Rate of\n0.05178%).\nTier II Accounts: The Standard ANNUAL PERCENTAGE RATE for both Nordstrom and\nNon-Nordstrom Purchases is the Prime Rate plus a Margin of 22.65 percentage points. As\nof August 24, 2020, this ANNUAL PERCENTAGE RATE was 25.90% (Daily Periodic Rate\nof 0.07096%).\nG. Cash Advance ANNUAL PERCENTAGE RATE.\nThe Cash Advance ANNUAL PERCENTAGE RATE is the Prime Rate plus a Margin of 23.65\npercentage points. As of August 24, 2020, this ANNUAL PERCENTAGE RATE was\n26.90% (Daily Periodic Rate of 0.07370%). This paragraph 19.G only applies to Credit\nCard Accounts that have a Cash Advance feature.\nH. Minimum Interest Charge.\nA minimum interest charge of $0.50 will be assessed on my Credit Card Account for\nany billing cycle in which an interest charge of less than $0.50 is due.\n20. CASH ADVANCE FEE.\nFor each Cash Advance on my Credit Card Account (including advances to me directly or\nto someone else at my direction), TD Bank will assess a Cash Advance Fee in an amount\nequal to 5% of the amount of the Cash Advance or $10, whichever is greater. This\nparagraph 20 only applies to Credit Card Accounts that have a Cash Advance feature.\n21. PENALTY FEES.\nA. Late Payment Fee.\nMy Credit Card Account will be subject to a Late Payment Fee of up to $40 for any late or\nmissed Minimum Payment Due. The amount of the Late Payment Fee will be determined\nin accordance with applicable law. Therefore, the fee generally will not exceed the\namount of the applicable Minimum Payment Due. The first Late Payment Fee will not\nexceed $29. A subsequent Late Payment Fee assessed within six billing cycles will not\nexceed $40.\n\n24. APPLICATION OF PAYMENTS.\nUnless otherwise required by applicable law, TD Bank will apply payments up to the\nMinimum Payment Due, to amounts owing on my Credit Card Account in the following\norder: interest charges, fees, old cash advances, old purchases (when applicable,\nto Purchase Balance Categories with higher Standard ANNUAL PERCENTAGE RATES\nfirst), new cash advances, and new purchases (when applicable, to Purchase Balance\nCategories with higher Standard ANNUAL PERCENTAGE RATES first). TD Bank will apply\npayments in excess of the Minimum Payment Due to amounts owing on my Credit Card\nAccount in a manner specified by federal law.\n25. DEFAULT.\nSubject to applicable law, TD Bank may, at its option, declare me to be in default if I fail\nto comply with any provision of this Agreement, including failing to make a required\npayment when due or exceeding my Credit Card Account credit limit, or if I file for\nbankruptcy or am otherwise insolvent, or if TD Bank determines, in its sole discretion,\nthat the prospect of payment on my Credit Card Account has become significantly\nimpaired. If I am in default, (a) unless otherwise prohibited by applicable law, TD Bank\nmay require that I pay the entire balance on my account immediately, at any time, even\nthough TD Bank did not require me to pay the entire balance on any previous occasion\nwhen I was in default, and (b) I will pay all collection costs, including reasonable\nattorneys\xe2\x80\x99 fees and legal costs, if TD Bank refers my Credit Card Account for collection\nto an attorney other than a salaried employee of TD Bank or the holder of the account,\nto the extent not prohibited by applicable law. Balances in default on my Credit Card\nAccount may be set-off against any credit balances on any of my other TD Bank Credit\nCard Account(s).\n26. CURRENCY CONVERSION RATE.\nIf a charge or cash advance made outside of the U.S. is converted into U.S. Dollars,\nVisa will select either (1) a rate from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate\nVisa itself receives, or (2) a government-mandated rate in effect for the applicable\ncentral processing date.\nSTATE-SPECIFIC INFORMATION\nCalifornia Residents:\nIf you are married, you may apply for credit in your own name.\n\n\x0cFlorida Residents:\n\nPART II \xe2\x80\x94 CONSUMER DISCLOSURE STATEMENTS\n\nI agree that, should TD Bank obtain a judgment against me, a portion of my disposable\nearnings may be attached or garnished (paid to TD Bank by my employer), as provided\nby Florida and federal law.\n\nCREDIT CARD ACCOUNTS\n\nMaine Residents:\n\nThis notice contains important information about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\nWe may obtain a consumer report in connection with your application for credit. You\nmay ask whether a consumer report was obtained by us, and we will tell you the name\nand address of the consumer reporting agency, if a report was obtained.\nNew Hampshire Residents:\nI understand that reasonable attorneys\xe2\x80\x99 fees will be awarded to me if I prevail in any\naction or suit brought by TD Bank. Also, if I successfully assert a partial defense or\ncounterclaim to an action brought by TD Bank, the court may withhold from TD Bank the\nentire amount or such portion of the attorneys\xe2\x80\x99 fees as the court considers equitable.\nNew Jersey Residents:\nBecause certain provisions of this Agreement are subject to governing law, they may be\nvoid, unenforceable or inapplicable in some jurisdictions. None of these provisions are\nvoid, unenforceable or inapplicable within New Jersey.\nNew York Residents:\nNew York residents may contact the New York State Department of Financial Services\nby telephone or visit its website for free information on comparative credit card\nrates, fees, and grace periods. New York State Department of Financial Services:\n1.800.342.3736 or http://www.dfs.ny.gov.\nOhio Residents:\nThe Ohio laws against discrimination require that all creditors make credit equally\navailable to all creditworthy customers and that credit reporting agencies maintain\nseparate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nRhode Island and Vermont Residents:\n\nYour Billing Rights: Keep This Notice For Future Use\n\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there was an error on your statement, write to us at:\nNordstrom\nP.O. Box 6555\nEnglewood, CO 80155\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to\nstop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we\nare not required to investigate any potential errors and you may have to pay the amount\nin question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter.\nWe will also tell you if we have already corrected the error.\n\nA consumer credit report may be ordered in connection with this application, or\nsubsequently for purposes of review or collection of the account, increasing the credit\nline on the account, or other legitimate purposes associated with the account. If you\nare a Vermont resident, you consent to the obtaining of such reports by signing or\notherwise submitting a credit application.\n\n2. Within 90 days of receiving your letter, we must either correct the error or explain to\nyou why we believe the bill is correct.\n\nWisconsin Residents:\n\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\nNo provision of a marital property agreement, a unilateral statement under section\n766.59 Wis. Stats, or a court decree under section 766.70 Wis. Stats. adversely affects\nthe interest of the creditor unless the creditor, prior to the time credit is granted, is\nfurnished a copy of the agreement, statement, or decree, or has actual knowledge of\nthe adverse provision when the obligation to the creditor is incurred. Married Wisconsin\nresidents must furnish their account number, and spouse\xe2\x80\x99s name and address, to\nNordstrom at P.O. Box 6555, Englewood, CO 80155.\nNOTICE TO MEMBERS OF THE ARMED FORCES AND THEIR DEPENDENTS\nThe following important notice applies if you are a member of the Armed Forces or a\ndependent of one at the time your account is established.\nFederal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an\nannual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: the costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nIf you would like more information, please call 888.246.8731.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest\nor other fees related to the amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount\nyou owe and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you\nas delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your\ncredit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase.\n\n\x0cTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of\nyour current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these is necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do\nnot qualify.\n3. You must not yet have fully paid for the purchases.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing at:\nNordstrom\nP.O. Box 6555\nEnglewood, CO 80155\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think\nyou owe an amount and you do not pay, we may report you as delinquent.\nCUSTOMER SERVICE\nFor questions or assistance, just give us a call at 1.800.964.1800, seven days a week,\n24 hours a day.\nThanks for being one of our most valued customers!\n\nRevised 08/20\n\n\x0c'