(BA922TC062222MCY-  
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                   DEPARTMENT STORES NATIONAL BANK CREDIT CARD DISCLOSURES 
                                                    �
                          FOR THE MACY�S AMERICAN EXPRESS  ACCOUNT 
           Interest Rates and Interest Charges 
           Annual Percentage Rate 
                               26.74%* 
           (APR) for Purchases 
                               This APR will vary with the market based on the Prime Rate. 
           APR for Cash Advances  26.74%* 
                               This APR will vary with the market based on the Prime Rate. 
           Paying Interest     Your due date is at least 25 days after the close of each billing cycle. 
                               We will not charge you any interest on purchases if you pay your entire 
                               balance by the due date each month. We will begin charging interest 
                               on cash advances on the transaction date. 
           Minimum Interest Charge  If you are charged interest, the charge will be no less than $2. 
           For Credit Card Tips from  To learn more about factors to consider when applying for or 
           the Consumer Financial  using a credit card, visit the website of the Consumer Financial 
           Protection Bureau   Protection Bureau at http://www.consumerfinance.gov/learnmore. 
           
           Fees 
           Transaction Fees     
           � Cash Advance      Either $5 or 4% of the amount of each cash advance, whichever is 
                               greater. 
           � Foreign Transaction  3% of each purchase transaction in U.S. dollars.** 
           Penalty Fees         
           � Late Payment      Up to $40 
           � Returned Payment  Up to $40 
          How We Will Calculate Your Balance: We use a method called �Daily Balance (including current 
           transactions)�. See your Credit Card Agreement for more details. 
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
          provided in the Credit Card Agreement. 
           
          *The purchase and cash advance APRs are equal to the Prime Rate plus a margin of 21.99%.  
           
          **1% of the U.S. dollar amount is paid to American Express as a foreign currency conversion fee. 
           
          Protections for Active Duty Service Members and their Dependents: Please see the section of the 
           Credit Card Agreement entitled �Protections for Active Duty Service Members and their Dependents.� 
            
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                  Department Stores National Bank American Express Credit Card Agreement 
           
          This Credit Card Agreement is your contract with us.  It governs the use of your card and account.  
           Please read this Agreement carefully. Keep it for your records. 
            
                                       Definitions 
                                            
           account means the relationship established between you and us by this Agreement. 
           APR means an annual percentage rate. 
           authorized user means any person you allow to use your account. 
           card means one or more cards or other access devices that we give you to get credit under this 
           Agreement.  This includes account numbers. 
           we, us, and our mean Department Stores National Bank, the issuer of your account.  Department Stores 
           National Bank is located in Sioux Falls, SD. 
           you, your, and yours mean the person who applied to open the account.  It also means any other person 
           responsible for complying with this Agreement.   
            
                                      Your Account 
            
           You agree to use your account in accordance with this Agreement.  You must pay us for all amounts due 
           on your account.  This Agreement is binding on you unless you close your account within 30 days after 
           receiving the card and you have not used or authorized use of the card.  Your account must only be used 
           to purchase goods and services for personal, family and household use.  Your account must only be used 
           for lawful transactions.   
            
           Authorized Users.  You may request additional cards for authorized users.  You must pay us for all 
           charges made by authorized users.  You must pay us even if you did not intend to be responsible for 
           those charges.  You must notify us to withdraw any permission you give to an authorized user to use your 
           account. 
            
           Joint Accounts.  If this is a joint account, each of you is responsible individually and together for all 
           amounts owed.  Each of you is responsible even if the account is used by only one of you.  You will 
           continue to be liable for the entire balance of the account, even if your co-applicant is ordered by a court 
           to pay us.  You will remain liable to us if your co-applicant fails to pay as ordered by the court.  Your 
           account status will continue to be reported to the credit bureau under each of your names.  The delivery 
           of notices or billing statements to either of you serves as delivery to each of you.  We may rely on 
           instructions given by either of you.  We are not liable to either of you for relying upon such instructions. 
            
           Credit Limit.  Your initial credit limit is on the card carrier. After that, your credit limit appears on your 
           billing statement. The full amount of your credit limit is available to use where the card is honored.  We 
           may reduce or increase your credit limit at any time for any reason as permitted by law.  We will notify you 
           of any change, but the change may take effect before you receive the notice.  We may, from time to time, 
           establish limits on the amount of cash advances that may be charged to your account. You should always 
           keep your total balance below the credit limit.  However, if the total balance goes over your credit limit you 
           still must pay us.  If your account has a credit balance, we may reduce the credit balance by any new 
           charges on your account.  You may not maintain a credit balance in excess of your credit limit.   
            
           Checks.  We may provide you with convenience checks.  When we do, any use will be a cash advance 
           transaction even if you use the check to make a payment to another creditor.  You may not use 
           convenience checks to pay an amount owed to us under this Agreement or to pay another account with 
           us or an affiliate.   We do not certify these checks or return any checks that have been paid.  
            
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          Billing Statement.  Your billing statement shows the New Balance.  This is the total amount you owe us 
           on the Statement Closing Date.  To determine the New Balance, we begin with the total balance at the 
           start of the billing cycle.  We add any purchases or cash advances.  We subtract any credits or payments.  
           We then add any interest charges or fees and make other adjustments.  
            
           Your billing statement also shows your transactions; the Minimum Payment Due and payment due date; 
           your credit limit; and your interest charges and fees.  
            
           We deliver a billing statement to only one address.  You must notify Customer Service of a change in 
           address.  We may stop sending you statements if we deem your account uncollectible or start collection 
           proceedings; but we may continue to add interest and fees as permitted by law.   
            
                                         APRs  
            
           Variable APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (�Prime Rate�), the APR 
           will equal the Prime Rate plus an additional amount.  If the Prime Rate increases, it will cause the APR to 
           increase.  If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use 
           the Prime Rate published in The Wall Street Journal two business days before the Statement Closing 
           Date.   If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of 
           the billing cycle for which we calculate the APR.  We apply the new APR to any existing balances, subject 
           to any promotional rate that may apply.  If The Wall Street Journal does not publish the Prime Rate, we 
           will use a similar published rate. 
            
           APR for Purchases.  There is a variable regular purchases APR.  It equals the Prime Rate plus 21.99%.  
           As of June 22, 2022, this Annual Percentage Rate is 26.74%.  This APR equals a daily periodic rate of 
           0.07326%. 
            
           APR for Cash Advances.  There is a variable regular cash advance APR. It equals the Prime Rate plus 
           21.99%.  As of June 22, 2022, this Annual Percentage Rate is 26.74%.  This APR equals a daily periodic 
           rate of 0.07326%.   
            
           Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may 
           increase as well.   
            
                                       Promotions 
                                            
           We may offer promotional terms for all or a part of any balances.  Any promotional terms may apply for a 
           limited period of time.  They will be governed by the terms of the promotional offer and this Agreement.  
           They may include the Special Event and Club Plan offers described below.  We may offer other 
           promotional offers from time to time.  Your promotional terms will end when the promotional period 
           expires. 
            
           Special Event offers.  If a promotional offer is a Special Event offer, interest is deferred, which means no 
          interest charges will be imposed on the Special Event balance if you pay the balance in full by the end of 
           the promotional period for that Special Event balance. We will impose interest charges on the Special 
           Event balance at the APR for regular purchases from the date of purchase if you do not pay the balance 
           in full by the end of the promotional period. 
            
           Club Plan offers. If a promotional offer is a Club Plan offer, no interest charges will be imposed on the 
          Club Plan balance. 
           
                                            
                                Interest Charges Based on APRs  
           
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          Interest Charges.  We impose interest charges when we apply APRs to your account balances.   We do 
           this every day by using a daily periodic rate.  To get a daily periodic rate, we divide the APR by 365.  
            
           When Interest Charges Begin.  We begin to impose interest charges the first day we add a charge to a 
           daily balance.   The charges we add to a daily balance include purchases and cash advances.  They also 
           include interest charges and fees.  We continue to impose interest charges until we credit your account 
           with full payment of the total amount you owe us.  This method of assessing interest charges described in 
           this section may result in a billing statement with only an interest charge. 
            
           Grace Period on Purchases.  You can avoid interest charges on purchases, but not on cash advances 
           or excluded promotional balances.   This is called a grace period on purchases.  The grace period is at 
           least 25 days.  To get a grace period on purchases, you must pay the New Balance by the payment due 
           date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for 
           two billing cycles in a row.  
            
           If you have a balance subject to a Special Event promotion and that promotion does not expire before the 
           payment due date, that balance (an �excluded promotional balance�) is excluded from the amount you 
           must pay in full to get a grace period on a purchase balance. In addition, if you have a Club Plan balance, 
           that balance (an �excluded promotional balance�) is excluded from the amount you must pay in full to get 
           a grace period on a purchase balance.  However, you must still pay any separately required payment on 
           the excluded promotional balance.  In billing cycles in which payments are allocated to Special Event 
           balances first, the Special Event balance will be reduced before any other balance on the account.  
           However, you will continue to get a grace period on purchases, so long as you pay the New Balance (less 
           any excluded promotional balance plus any separately required payment on an excluded promotional 
           balance) in full by the payment due date each billing cycle. 
            
           Other promotional offers not described above may also allow you to have a grace period on purchases 
           without having to pay all or a portion of the promotional balance by the payment due date.  If either is the 
           case, the promotional offer will describe what happens. 
            
           Calculation of Interest Charges � Daily Balance Method (Including Current Transactions).  We 
           calculate interest charges each billing cycle.  To do this: 
           �  We start with each of your different balances.  These balances include, for example, regular 
             purchases, regular cash advances, and different promotional balances.   (When we calculate interest 
             charges, we treat each Special Event transaction separately even if it has the same terms as another 
             Special Event transaction.)  
           �  We calculate the daily balance for each of your different balances.  To get a daily balance, we start 
             with the balance as of the end of the previous day.  We add any interest charge on the previous day�s 
             balance.  (This results in daily compounding of interest charges.)  We add any new charges.   We 
             then subtract any new credits or payments.   
           �  We multiply each daily balance by the daily periodic rate that applies to it.  We do this for each day in 
             the billing cycle.  This gives us the daily interest charges for each of your different balances.   
           �  We add up all the daily interest charges.  The sum is the total interest charge for the billing cycle.  
           �  You authorize us to round interest charges to the nearest cent. 
            
           When we calculate daily balances, we add a purchase or cash advance as of the Transaction Date.  (The 
           Transaction Date for a cash advance is the date we get a request to complete a transaction.  When you 
           send a convenience check directly to someone, the Transaction Date is the date we receive the check for 
           payment. The Transaction Date is on the billing statement.) We add a transaction fee to the same 
           balance as the transaction.  We generally add other fees to the regular purchase balance. We subtract a 
           payment or credit as of the day it is credited to the account and then make other adjustments.  We treat a 
           credit balance as a balance of zero.    
            
           Minimum Interest Charge.  If we charge you interest, the charge will be no less than $2.  We add the 
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          charge to the regular purchase balance or allocate it among one or more of the balances that accrues 
          interest. 
           
          Balance Subject to Interest Rate.  Your statement shows a Balance Subject to Interest Rate.  It shows 
          this for each different balance.  The Balance Subject to Interest Rate is the average of the daily balances 
          during the billing cycle.  A billing cycle begins on the day after the Statement Closing Date of the previous 
          billing cycle.  It includes the Statement Closing Date of the current billing cycle. 
            
                                         Fees 
                                            
           Transaction Fee for Cash Advances.   You take a cash advance if you use a cash advance 
           convenience check; get money through an automated teller machine (ATM); or get money through home 
           banking or a financial institution.  For each cash advance we add a transaction fee of 4% of the amount of 
           the cash advance, but not less than $5. 
            
           Transaction Fee for Purchases in Foreign Currency.  We charge you a fee of 3% of the U.S. dollar 
           amount of each purchase made in a currency other than U.S. dollars, regardless of where the transaction 
           takes place or who the merchant is.  1% of the U.S. dollar amount is paid to American Express as a 
           foreign currency conversion fee.    
            
           Late Fee.  We may add a late fee for each billing cycle in which you have a past due payment.  For late 
           fee purposes, you have a past due payment any time you fail to pay the Minimum Payment Due (less the 
           Amount Over Credit Limit shown on your billing statement) by the payment due date.  The fee will be $29; 
           or $40 for any additional past due payment during the next six billing cycles after a past due payment.  
           However, the fee will not exceed the amount permitted by law.  We add this fee to the regular purchase 
           balance.   
            
           Returned Payment Fee.  We may add a returned payment fee for a returned payment. A returned 
           payment is an electronic debit, payment check, or similar payment instrument, that is returned unpaid.  
           We may add this fee the first time your payment is returned, even if it is not returned upon resubmission. 
           The fee will be $29; or $40 for any additional returned payment during the next six billing cycles after a 
           returned payment.  However, the fee will not exceed the amount permitted by law.  We add this fee to the 
           regular purchase balance.   
            
           Returned Convenience Check Fee.  We may add a returned convenience check fee for a returned 
           convenience check.  A returned convenience check is any convenience check we do not honor.  We may 
           not honor these checks if the amount of the check would cause the balance to go over the cash advance 
           limit or credit limit.  We also may not honor these checks if you default; if you did not comply with our 
           instructions regarding the check; if your account has been closed; or for other reasons.  The fee will be 
           $29; or $40 for any returned convenience check during the next six billing cycles after a returned 
           convenience check.  However, the fee will not exceed the amount permitted by law.  We add this fee to 
           the regular purchase balance. 
            
                            Information on Foreign Currency Conversion  
                                            
           Our network provider is American Express.  American Express converts transactions in foreign currencies 
           into U.S. dollars.  American Express follows its own procedures to do so.  These may change from time to 
           time without notice.  Currently, American Express uses any conversion rate required by applicable law.  If 
           there is none, it uses the highest interbank rate it selects on the business day before the day it processes 
           the transaction.  A third party may convert a transaction into U.S. dollars or another currency before 
           sending it to our network provider.  In these cases, the third party selects the conversion rate.  In all 
           cases, the conversion rate you get is the one used on the transaction�s processing date.  This may be 
           different from the one in effect on the Transaction Date or posting date for the transaction. 
            
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                                        Payments 
           
          Making Payments.  You may pay all or part of your account balance at any time. However, you must pay 
           at least the Minimum Payment Due by the payment due date each billing cycle.  The sooner you pay the 
           New Balance, the less you will pay in interest charges.   
            
           We calculate the Minimum Payment Due as follows.  We begin with any past due amount. We add any 
           amount in excess of your credit limit.  We add the amount due on each Club Plan balance.  We add any 
           amount required by the Promotion Calculation.  We also add the largest of the following: 
           �  The Calculated New Balance if it is less than $29; 
           �  $29 if the Calculated New Balance is at least $29; or 
           �  1% of the Calculated New Balance (the result is rounded up to the nearest dollar) plus the amount of 
             your billed interest charges on that balance, any minimum interest charge allocated to that balance, 
             and any applicable late fee.  However, we subtract interest charges that accrued during prior billing 
             cycles on a Special Event balance that ended during the billing cycle covered by the statement.  
            
           The Calculated New Balance equals the New Balance on the billing statement less any balances subject 
           to a Club Plan or the Promotion Calculation.  
            
           The amount due on a Club Plan balance is the smaller of: 
           �  1/12th of the Club Plan�s Highest Balance plus any credit protection or credit insurance fee allocated 
             to that balance.  (The result is rounded up to the nearest dollar.) Or 
           �  The Club Plan�s balance on the Statement Closing Date. 
            
           For each Club Plan balance, the Highest Balance is the highest Club Plan balance on a Statement 
           Closing Date, less any credit protection or credit insurance fee allocated to that balance for that cycle, 
           since the last time that balance was zero.  The balance is zero at account opening. 
            
           If you have a Special Event balance subject to the Promotion Calculation, the Promotion Calculation will 
           equal 1% of this balance during the promotion period. (The result is rounded up to the next nearest cent.) 
           After the promotion period, any remaining Special Event balance will be included in the Calculated New 
           Balance. The Promotion Calculation will apply if, based on the amount of the Special Event transaction as 
           shown on the first statement that displays the transaction and the dollar amount in the Minimum Payment 
           Due calculation in effect at the time of the transaction, we determined that paying such dollar amount 
           each billing cycle would result in repayment of the Special Event balance before the end of the promotion 
           period.   
            
           The Minimum Payment Due may reflect adjustments to the New Balance.  The Minimum Payment Due is 
           never more than the Calculated New Balance plus the Promotion Calculation plus the amount due on a 
           Club Plan balance.  
            
           Application of Payments.  Payments in excess of the Minimum Payment Due are applied in accordance 
           with law. This means that we will generally apply payments in excess of the Minimum Payment Due to 
           higher APR balances first. However, excess payments received before a Special Event promotion expires 
           are applied to the Special Event promotional balance first in the last two billing cycles of the promotional 
           period. And, if the expiration date of a Special Event promotion is before the payment due date in the 
           billing cycle in which the Special Event promotion expires, excess payments received before the Special 
           Event promotion expires are applied to the Special Event promotional balance first in the last three billing 
           cycles of the promotional period. Payments equal to or less than the Minimum Payment Due and credits 
           are applied at our discretion and you authorize us to apply payments and credits in a way that is most 
           favorable or convenient for us.  This may include applying such payments and credits to lower APR 
           balances first and to balances with longer promotional periods first. 
            
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          Payment Instructions.  We credit your payments in accordance with our payment instructions on the 
          billing statement.  You must pay us in U.S. dollars.  To do so, you must use a check, similar instrument, or 
           electronic debit that is drawn on and honored by a bank in the U.S.  Do not send cash.  We can accept 
           late or partial payments, or payments that reflect �paid in full� or other restrictive endorsements, without 
           losing our rights.  We also reserve the right to accept payments made in foreign currency and instruments 
           drawn on funds on deposit outside the U.S.  If we do, we select the currency conversion rate.  We will 
           then credit your account in U.S. dollars after deducting any costs incurred in processing your payment.  
           Or we may bill you separately for these costs.   
            
                                      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 in your credit report.  We may report account information 
           in your name and the names of authorized users.  We may also obtain follow-up credit reports on you.     
            
           If you think we reported incorrect information to a credit bureau, write us at the address shown on the 
           back of your billing statement in the section titled �Disputed Accuracy of Credit Report�.  We will 
           investigate the matter.  We will then tell you if we agree or disagree with you.  If we agree with you, we 
           will contact each credit bureau to which we reported and request a correction.  If we disagree with you, 
           we will tell you that.  
            
                                    Information Sharing   
                                            
           You authorize us to share information about you as permitted by law.  This includes information we get 
           from you and others.  It also includes information about your transactions with us.  Please see our Privacy 
           Notice for details about our information sharing practices. The identifying information you provided in your 
           credit application (including name, address, telephone number, email address and social security 
           number) as well as any updates to that information is provided to us, Macy�s, Inc. and their affiliates. 
            
                                  Changes to this Agreement 
                                            
           We may change the rates, fees, and terms of this Agreement from time to time as permitted by 
           law.  The changes may add, replace, or remove provisions of this Agreement.  We will give you 
           advance written notice of the changes and a right to opt out to the extent required by law. 
            
                                         Default   
            
           You default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over 
           your credit limit; pay by a check or similar instrument that is not honored or that we must return because it 
           cannot be processed; pay by electronic debit that is returned unpaid; file for bankruptcy; or fail to comply 
           with the terms of this Agreement.  If you default, we may close your account and, to the extent permitted 
           by law, demand immediate payment of the total balance.   
            
                       Refusal of the Card, Closed Accounts, and Related Provisions   
            
           Refusal of the Card.  We do not guarantee approval of transactions.  We are not liable for transactions 
           that are not approved.  That is true even if you have enough credit.  We may limit the number of 
           transactions approved in one day.  If we detect unusual or suspicious activity, we may suspend your 
           credit privileges.   
            
           Preauthorized Charges.   We may suspend any automatic or other preauthorized card charges you 
           arrange with a third party.  We may do this if you default; if the card is lost or stolen; or we change your 
           account for any reason.  If we do this, you are responsible for paying the third party directly if you wish to 
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          do so.  You are also responsible for reinstating the preauthorized charges if you wish to do so and we 
          permit it.   
          Lost or Stolen Cards, Account Numbers, or Convenience Checks.  You must call us if any card, 
          account number, or check is lost or stolen.  You must also call us if you think someone used or may use 
          them without permission.  When you call, we may require you to provide information to help our 
          investigation.  We may require you to provide this information in writing.  For example, we may ask you to 
          identify any charges that were not made by you or someone authorized by you.  We may also ask you to 
          confirm that you received no benefit from those charges. 
           
          Closing Your Account.  You may close your account by notifying us in writing or over the phone. If you 
          close your account, you must still repay the total balance in accordance with this Agreement.  We may 
          also close your account or suspend account privileges at any time for any reason.  We may do this 
           without prior notice to you.  We may also reissue a different card at any time.  You must return any card to 
           us upon request. 
            
                     Protections for Active Duty Service Members and their Dependents 
            
           Protections. Federal law provides important protections to members of the Armed Forces and their 
           dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a 
           member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 
           percent. This rate must include, as applicable to the credit transaction or account: The costs associated 
           with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; 
           any application fee charged (other than certain application fees for specified credit transactions or 
           accounts); and any participation fee charged (other than certain participation fees for a credit card 
           account). You are entitled to these protections if you are a Covered Borrower, as defined below.  
            
           Covered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we 
           determine you are an active duty member of the Armed Forces (including active Guard and Reserve duty) 
           or a dependent of an active duty member. You will cease to be a Covered Borrower if we determine you 
           are no longer an active duty member of the Armed Forces (including active Guard and Reserve duty) or a 
           dependent of an active duty member.  
            
           Oral Disclosures. If you are a Covered Borrower, you may obtain information related to your account, 
           including information about these protections and your payment obligation, by calling 1-877-625-6379. 
           TTY: Use 711 or other Relay Service. 
            
           Arbitration. The section of the Credit Card Agreement entitled �ARBITRATION� does not apply if 
           you are a Covered Borrower at the time your account is opened. 
            
                                      ARBITRATION 
           
          PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.  
           
          THIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION. 
          ARBITRATION REPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR 
          PARTICIPATE IN A CLASS ACTION. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN 
          ARBITRATOR, NOT A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE 
          LIMITED THAN IN COURT. THIS ARBITRATION PROVISION IS GOVERNED BY THE FEDERAL 
          ARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE BROADEST WAY THE LAW 
          WILL ALLOW. 
           
          Covered claims  
          �  You or we may arbitrate any claim, dispute or controversy between you and us arising out of or 
             related to your account, a previous related account or our relationship (called �Claims�). 
           
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          �  If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim 
             in court or have a jury trial on that Claim.  
           
          Except as stated below, all Claims are subject to arbitration, no matter what legal theory they�re based on 
          or what remedy (damages, or injunctive or declaratory relief) they seek, including 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; Claims made regarding past, present, or future conduct; and Claims made 
          independently or with other claims. This also includes Claims made by or against anyone connected with 
          us or you or claiming through us or you, or by someone making a claim through us or you, such as a co-
          applicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company. 
           
          Arbitration limits 
          �  Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays 
             in small claims court.  
              
          �  We won�t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim 
             against us. If you assert a Claim against us, we can choose to arbitrate, including actions to collect a 
             debt from you. You may arbitrate on an individual basis Claims brought against you, including Claims 
             to collect a debt. 
                
          �  Claims brought as part of a class action, private attorney general or other representative action can 
             be arbitrated only on an individual basis. The arbitrator has no authority to arbitrate any claim on a 
             class or representative basis and may award relief only on an individual basis. If arbitration is chosen 
             by any party, neither you nor we may pursue a Claim as part of a class action or other representative 
             action. Claims of 2 or more persons may not be combined 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. 
           
          How arbitration works 
          �  Arbitration shall be conducted by the American Arbitration Association (�AAA�) according to this 
             arbitration provision and the applicable AAA arbitration rules in effect when the claim is filed (�AAA 
             Rules�), except where those rules conflict with this arbitration provision. You can obtain copies of the 
             AAA Rules at the AAA�s website (www.adr.org) or by calling 800-778-7879. TTY: Use 711 or other 
             Relay Service. You or we may choose to have a hearing, appear at any hearing by phone or other 
             electronic means, and/or be represented by counsel. Any in-person hearing will be held in the same 
             city as the U.S. District Court closest to your billing address. 
           
          �  Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has 
             begun or a final judgment entered. Neither you nor we waive the right to arbitrate by filing or serving a 
             complaint, answer, counterclaim, motion, or discovery in a court lawsuit. To choose arbitration, a 
             party may file a motion to compel arbitration in a pending matter and/or commence arbitration by 
             submitting the required AAA forms and requisite filing fees to the AAA. 
              
          �  The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and 
             the AAA Rules, which may limit discovery. The arbitrator shall not apply any federal or state rules of 
             civil procedure for discovery, but the arbitrator shall honor claims of privilege recognized at law and 
             shall take reasonable steps to protect account information and other confidential information of either 
             party if requested to do so. The arbitrator shall apply applicable substantive law consistent with the 
             FAA and applicable statute of limitations, and may award damages or other relief under applicable 
             law. 
              
          �  The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief 
             statement of the reasons for the award. An arbitration award shall decide the rights and obligations 
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             only of the parties named in the arbitration, and shall not have any bearing on any other person or 
             dispute. 
            
           Paying for arbitration fees   
           �  We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are 
             unrelated to debt collection. Otherwise, arbitration fees will be allocated according to the applicable 
             AAA Rules. If we prevail, we may not recover our arbitration fees, unless the arbitrator decides your 
             Claim was frivolous. All parties are responsible for their own attorney�s fees, expert fees and any 
             other expenses, unless the arbitrator awards such fees or expenses to you or us based on applicable 
             law. 
            
           The final award  
           �  Any award by an arbitrator is final unless a party appeals it in writing to the AAA within 30 days of 
             notice of the award. The arbitration appeal shall be determined by a panel of 3 arbitrators. The panel 
             will consider all facts and legal issues anew based on the same evidence presented in the prior 
             arbitration, and will make decisions based on a majority vote. Arbitration fees for the arbitration 
             appeal shall be allocated according to the applicable AAA Rules. An award by a panel on appeal is 
             final. A final award is subject to judicial review as provided by applicable law. 
            
           Survival and Severability of Terms   
           This arbitration provision shall survive changes in this Agreement and termination of the account or the 
           relationship between you and us, including the bankruptcy of any party and any sale of your account, or 
           amounts owed on your account, to another person or entity. If any part of this arbitration provision is 
           deemed invalid or unenforceable, the other terms shall remain in force, except that there can be no 
           arbitration of a class or representative Claim. This arbitration provision may not be amended, severed or 
           waived, except as provided in this Agreement or in a written agreement between you and us. 
            
           Rules for rejecting this arbitration provision 
           You may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, 
           St. Louis, MO 63179. Your rejection notice must be mailed within 45 days of account opening. Your 
           rejection notice must state that you reject the arbitration provision and include your name, address, 
           account number and personal signature. No one else may sign the rejection notice. Your rejection notice 
           will not apply to the arbitration provision(s) governing any other account(s) that you have or had with us. 
           Rejection of this arbitration provision won�t affect your other rights or responsibilities under this 
           Agreement, including use of the account. 
            
                        Governing Law, Enforcing our Rights and Call Monitoring 
           
          Governing Law.   Federal law and the law of South Dakota, where we are located, govern the terms and 
           enforcement of this Agreement.   
            
           Enforcing this Agreement.  We will not lose our rights under this Agreement because we delay in 
          enforcing them or fail to enforce them.   
           
          Collection Costs.  To the extent permitted by law, you are liable to us for our legal costs if we refer 
           collection of your account to a lawyer who is not our salaried employee.  These costs may include 
           reasonable attorneys� fees.  They may also include costs and expenses of any legal action.   
            
           Assignment.   We may assign any or all of our rights and obligations under this Agreement to a third 
           party. 
            
           Call Monitoring.  We may monitor and record any calls between you and us. 
            
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                                   For Further Information 
                                            
           Call us toll-free at 1-866-470-8613 for further information. TTY: Use 711 or other Relay Service. 
            
          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: 
           Department Stores National Bank  
           PO Box 6781  
           Sioux Falls, SD 57117-6781  
            
           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 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 
                                          11 
                                            
          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 of 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:  
          Department Stores National Bank 
          PO Box 6781  
          Sioux Falls, SD 57117-6781 
           
          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. 
            
           The Macy�s American Express Card program is issued and administered by Department Stores National 
          Bank. American Express is a federally registered service mark of American Express and is used by 
          Department Stores National Bank pursuant to a license. 
           
          Notice to Wisconsin Residents: You must promptly provide your spouse�s name and address to us by 
          calling 1-800-243-6552. TTY: Use 711 or other Relay Service. 
            
           � 2022 Department Stores National Bank  
           BA922TC062222MCY-SL 
            
            
                                          12 
                                            
                                                                    DSNB179PRV0621 
                                                                        Rev. 06/21 
                                                                               
                        WHAT DOES DEPARTMENT STORES NATIONAL BANK (�DSNB�) 
         FACTS 
                        DO WITH YOUR PERSONAL INFORMATION? 
           
                        Financial companies choose how they share your personal information. Federal law 
         Why? 
                        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. 
          
                        The types of personal information we collect and share depend on the product or 
         What? 
                        service you have with us.  
                        This information can include: 
                        �  Social Security number and income 
                        �  account balances and employment information 
                        �  credit history and transaction history 
          
                        All financial companies need to share customers� personal information to run their 
         How? 
                        everyday business. In the section below, we list the reasons financial companies can 
                        share their customers� personal information; the reasons DSNB chooses to share; and 
                        whether you can limit this sharing. 
            
         Reasons we can share your              Does DSNB        Can you limit  
         personal information                     share?         this sharing? 
         For our everyday business purposes � such as to 
         process your transactions, maintain your account(s), 
                                                   Yes              No 
         respond to court orders and legal investigations, or 
         report to credit bureaus 
         For our marketing purposes � to offer our products 
                                                   Yes              No 
         and services to you 
         For joint marketing with other financial companies  Yes    No 
         For our affiliates' everyday business purposes � 
                                                   Yes              No 
         information about your transactions and experiences 
         For our affiliates' everyday business purposes � 
                                                   Yes              Yes 
         information about your creditworthiness 
         For our affiliates to market to you       Yes              Yes 
         For nonaffiliates to market to you        Yes              Yes 
          
                        � Call the number below � our menu will prompt you through your choice(s): 
         To limit  
                        Bloomingdale�s 1-888-922-7026 (TTY: Use 711 or other Relay Service.) 
         our sharing 
                        Macy�s    1-800-830-3087 (TTY: Use 711 or other Relay Service.) 
                        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. 
          
           
                        Call the Customer Service number on the back of your credit card or on your billing 
         Questions? 
                        statement (TTY: Use 711 or other Relay Service.). 
           
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         Who we are 
         Who is providing this  You are receiving this notice from Department Stores National Bank, the bank that 
         notice?        issues your credit card. 
                         
         What we do 
         How does DSNB  To protect your personal information from unauthorized access and use, we use 
         protect my personal  security measures that comply with federal law. These measures include computer 
         information?   safeguards and secured files and buildings. 
         How does DSNB  We collect your personal information, for example, when you 
         collect my personal  �  provide account information or give us your contact information 
         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, 
                        affiliates, or other companies. 
         Why can't I limit all  Federal law gives you the right to limit only 
         sharing?       �  sharing for affiliates� everyday business purposes � information about your 
                           creditworthiness 
                        �  affiliates from using your information to market to you 
                        �  sharing for nonaffiliates 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  Your choices will apply to everyone on your account. 
         limit sharing for an 
         account I hold jointly 
         with someone else? 
           
         Definitions 
         Affiliates     Companies related by common ownership or control. They can be financial and 
                        nonfinancial companies. 
                        �  Our affiliates include companies with a Citi name, including Citibank, N.A., FDS 
                           Bank and Macy's and Bloomingdale's. 
         Nonaffiliates  Companies not related by common ownership or control. They can be financial and 
                        nonfinancial companies. 
                        �  Nonaffiliates we share with can include companies engaged in direct marketing 
                           and the selling of consumer products and services. 
         Joint marketing  A formal agreement between nonaffiliated financial companies that together market 
                        financial products and services to you. 
                        �  Our joint marketing partners can include other financial service companies. 
           
         Other Important Information 
         For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will 
         not disclose your personal information, financial information, credit report, or health information to nonaffiliated 
         third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those 
         disclosures. For additional information concerning our privacy policies call Bloomingdale�s 1-888-922-7026 or 
         Macy�s 1-800-830-3087. For TTY: Use 711 or other Relay Service. 
         For California Residents: We will not share information we collect about you with nonaffiliated 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 affiliates from marketing to you, you must limit our sharing of information with them. Do not limit this 
         sharing if you want to receive affiliate 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 reflected in your credit report. 
                                                                               
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