DSNB179PRV0819
                                                                       Rev. 08/19
                         WHAT DOES DEPARTMENT STORES NATIONAL BANK (�DSNB�) DO 
        FACTS            WITH YOUR PERSONAL INFORMATION?
        Why?             Financial companies choose how they share your personal information. Federal law 
                         gives consumers the right to limit some but not all sharing. Federal law also requires 
                         us to tell you how we collect, share, and protect your personal information. Please 
                         read this notice carefully to understand what we do.
        What?            The types of personal information we collect and share depend on the product or 
                         service you have with us.  
                         This information can include:
                         � Social Security number and income
                         � account balances and employment information
                         � credit history and transaction history
        How?             All ?nancial companies need to share customers� personal information to run their 
                         everyday business. In the section below, we list the reasons ?nancial companies can 
                         share their customers� personal information; the reasons DSNB chooses to share; and 
                         whether you can limit this sharing.
                                                                 Can you limit  
        Reasons we can share your personal information Does DSNB share?
                                                                 this sharing?
        For our everyday business purposes �  
        such as to process your transactions, maintain 
                                                  Yes               No
        your account(s), respond to court orders and legal 
        investigations, or report to credit bureaus
        For our marketing purposes �  
                                                  Yes               No
        to offer our products and services to you
        For joint marketing with other ?nancial companies Yes       No
        For our af?liates� everyday business purposes � 
                                                  Yes               No
        information about your transactions and experiences
        For our af?liates� everyday business purposes � 
                                                  Yes               Yes
        information about your creditworthiness
        For our af?liates to market to you        Yes               Yes
        For nonaf?liates to market to you         Yes               Yes
        To limit         �  Call the number below � our menu will prompt you through your choice(s):
                         Bloomingdale�s 1-888-922-7026 (TDD/TTY: 1-800-281-0820)
        our sharing
                         Macy�s    1-800-830-3087 (TDD/TTY: 1-800-281-0820)
                         Please note: 
                         If you are a new customer, we can begin sharing your information 30 days from the 
                         date we sent this notice. When you are no longer our customer, we continue to share 
                         your information as described in this notice. 
                         However, you can contact us any time to limit our sharing.
        Questions?       Call the Customer Service number on the back of your credit card or on your billing 
                         statement.
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        Who we are
        Who is providing   You are receiving this notice from Department Stores National Bank, the bank 
        this notice?       that issues your credit card.
        What we do
        How does DSNB protect  To protect your personal information from unauthorized access and use, we 
        my personal information? use security measures that comply with federal law. These measures include 
                           computer safeguards and secured ?les and buildings.
        How does DSNB collect  We collect your personal information, for example, when you
        my personal information? � Provide account information or give us your contact information
                           � provide employment information or apply for a loan
                           � use your credit or debit card
                           We also collect your personal information from others, such as credit bureaus, 
                           af?liates, or other companies.
        Why can�t I limit all  Federal law gives you the right to limit only
        sharing?           � sharing for af?liates� everyday business purposes � information about your 
                            creditworthiness
                           � af?liates from using your information to market to you
                           � sharing for nonaf?liates to market to you
                           State laws and individual companies may give you additional rights to limit 
                           sharing. See below for more on your rights under state law.
        What happens when I limit  Your choices will apply to everyone on your account.
        sharing for an account I 
        hold jointly with someone 
        else?
        De?nitions
        Af?liates          Companies related by common ownership or control. They can be ?nancial and 
                           non?nancial companies. 
                           � Our af?liates include companies with a Citi name, including Citibank, N.A., and 
                            Macy�s and Bloomingdale�s.
        Nonaf?liates       Companies not related by common ownership or control. They can be ?nancial 
                           and non?nancial companies.
                           � Nonaf?liates we share with can include companies engaged in direct marketing 
                            and the selling of consumer products and services.
        Joint marketing    A formal agreement between nonaf?liated ?nancial companies that together 
                           market ?nancial products and services to you.
                           � Our joint marketing partners can include other ?nancial service companies.
        Other important information
        For Vermont Residents: We will not share information we collect about you with nonaf?liated third parties, except 
        as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will 
        not share information about your creditworthiness with our af?liates except with your authorization.
        For California Residents: We will not share information we collect about you with nonaf?liated third parties, 
        except as permitted by California law, such as to process your transactions or to maintain your account.
        We may share your personal information, as permitted by law, with the retailer whose name appears on your 
        card. You cannot limit this sharing.
        To limit our af?liates from marketing to you, you must limit our sharing of information with them. Do not limit this 
        sharing if you want to receive af?liate marketing based on our sharing of your information.
        DSNB acquires and uses services provided by third parties that collect and analyze customer data. This information 
        may be used to service your accounts and for marketing purposes. For additional information about our privacy 
        practices please go to onlineprivacy.DSNB.accountonline.com.
                             Important Information about Credit Reporting
        We may report information about your account to credit bureaus. Late payments, missed payments or other 
        defaults on your account may be re?ected in your credit report.