DSNB170TC0711R 
(PL068/069) 

DDEEPP AA RR TTMM EENN TT  SS TT OO RR EESS   NN AA TTII OO NN AA LL   BB AA NNKK  CCRREEDDII TT  CCAA RRDD    AA GG RR EEEEMM EENN TT  

IInntteerreesstt  RRaa tteess  aa nn dd  IInntteerreesstt  CChh aarr ggeess  

AAnnnn uu aall  PPeerrcceenntt aa ggee  RRaa ttee  
((AAPPRR))  ffoorr  PP uurrcchh aasseess  

HHoo ww  tt oo   AAvvooiidd  PP aayyiinn gg  
IInntteerreesstt  

2244..5500%%  

This APR will vary with the market based on Prime Rate. 

For Revolving Account Purchases, your due date is at least 25 days after the close of each billing period. We will 
not charge you interest if you pay the Revolving balance in full by the due date each billing period. 
For Major Purchase Account Purchases, your due date is at least 25 days after the close of each billing period. 
We will not charge you interest on those Purchases if you pay the Major Purchase Account balance in full by 
the due date each billing period. 

MMiinniimmuumm  IInntteerreesstt  CChh aarr ggee  

If you are charged interest, the charge will be no less than $2. 

FFoorr  CCrreeddiitt  CCaarr dd   TTii ppss  ffrroomm  
tt hhee  FFeeddeerraall  RReesseerrvvee  BBoo aa rr dd  

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Federal Reserve Board at hhtttt pp::////ww ww ww ..ffeeddeerr aallrreesseerrvvee..gg oovv//ccrreeddiittccaarr dd. 

FFeeeess  

PPeenn aallttyy  FFeeeess  
• Late Payment 
• Returned Payment 

UUpp  tt oo    $$ 33 55   
UUpp  tt oo    $$ 33 55   

HHoo ww  WWee  WWiillll  CCaallccuull aattee  YY oo uurr  BBaall aa nnccee:: We use a method called “Average Daily Balance (including new Purchases).” 

You need not accept the credit card or pay any fee unless you use the card or have already used the card. 

This Credit Card Agreement contains the payment and credit terms for the Revolving Account, Major Purchase Account (“MPA”) and Club Account. Please note that 
some of the terms differ depending on the account type. (These terms supersede any previous or existing advertised rate disclosures.) 
In this Department Stores National Bank (“DSNB”) Credit Card Agreement (“Agreement”), the words “you” and “your” mean any person who has requested and is 
issued a DSNB Credit Card (“credit card”), or is authorized to use the DSNB Credit Account (“Account”), that is established at your request, the terms of which 
appear in this  Agreement. The words “we”, “us”, and “our” mean Department Stores National Bank, 701 E 60th St. N, Sioux Falls, SD 57104, and any person to 
whom this Agreement or the indebtedness created under this Agreement may be assigned. 
11..   UU ss ee   ooff  YYoouurr   AA cc ccoouunntt  aanndd   CCaa rrdd:: Your Account and Card may only be used to purchase goods and services for personal, family and household use. 
22..  PPrroo mm ii ss ee   ttoo  PPaayy:: In return for extending credit to you on this Account from time to time, you promise to pay us for Purchases that you make on this Account 
from time to time at retailers authorized to accept our credit card. You also promise to pay us all other charges mentioned below, in accordance to the terms of this 
Agreement. 
33..  TTyyppee ss  ooff   CChhaa rrggeess :: There are three types of charges (“Account Type”) under your Account: Revolving charges, Major Purchase Account charges and Club 
charges.    You  may  make  a  Revolving  charge  for  any  merchandise  or  service  offered  by  retailers  authorized  to  accept  our  credit  card  without  any  minimum 
purchase  requirements.    You  may  make  a  Major  Purchase  charge  for  qualifying  purchases  in  certain  designated  categories,  subject  to  a  minimum  purchase 
requirement.  You may make a  Club charge for  selected merchandise, as permitted by us,  subject to a minimum purchase  requirement.  Your desire to charge 
purchases to your Major Purchase or Club Account must be indicated at the time of purchase.  
44..     NNoo   IInntteerree sstt   CChhaarrggee   FF eeaattuurree   ((CC lluubb  AAcc ccoouunntt)):: No Interest Charge will be assessed on your Club Account as long as you do not make a late payment; 
otherwise, we may begin to assess Interest Charges as calculated in Section 6 after any notice required by law. 
55..   HHooww  ttoo  AA vvooiidd  PPaayyiinngg  IInntteerree sstt  oonn  tthhee   RRee vvoo llvv iinngg  aanndd  MMaajjoorr  PPuurrcchhaassee    AA cc ccoouunntt  TTyyppeess::  If you make Purchases during a billing period when 
there is no Previous Balance or the sum of payments and credits (excluding credits for returns of Purchases made during the billing period) is at least equal to the 
Previous Balance (these purchases are “New Purchases”), no Interest Charges are added to that Account Type for that billing period for the New Purchases.  If you 
pay the New Balance for that billing period by the Payment Due Date, you can avoid Interest Charges for the New Purchases during the next billing period.  If you 
pay less than the New Balance for that billing period, you can avoid Interest Charges on that portion of the Account Type balance paid but we will assess Interest 
Charges on any unpaid portion until you pay the full balance you owe on that Account Type.  If you make a Purchase during a billing period with an unpaid Previous 
Balance,  we  assess  Interest  Charges  on the Purchase  from the  date  it  is  added to the  balance.   We  continue to  assess  Interest  Charges  until  you  pay the full 
balance you owe on that Account Type.  

The allocation of payments and credits may affect how you may avoid Interest Charges.  Payments and credits are applied to Account Types at our discretion and 

in accordance with law.  The method of assessing Interest Charges described in this section may result in a statement with only an Interest Charge. 
66..    IInnttee rree sstt   CChhaa rrggee  ––  BBaallaanncc ee   CC oo mmppuuttaattiioonn  MMeetthhoodd::  An Interest Charge will be imposed on each balance within each Account Type that is subject to 
Interest Charges by applying a Daily Periodic Rate, multiplied by the number of days in the billing period, to the Average Daily Balance for Purchases (including new 
transactions), which appears  on  your  Statement as the Balance  Subject to Interest  Rate, and by assessing certain fees  which are explained below.  To get the 
Balance  Subject to  Interest  Rate for  each  Account  Type,  we  take the beginning  balance  of  each  Account  Type  each  day,  add  any  new  Purchases,  any  Interest 
Charges applied to the previous day’s balance, and new fees, and subtract any new payments and credits.  This gives us the daily balance.  Then, we add up all the 
daily balances for the billing period and divide the total by the number of days in the billing period.  This gives us the Balance Subject to Interest Rate. (This results 
in daily compounding of Interest Charges.) 
77..     CC oo sstt  ooff   CC rreeddiitt::  The cost of credit is determined as follows: 
AA..  The Daily Periodic Rate applicable to Purchases for the billing period is 1/365th of the Annual Percentage Rate (regardless of leap years) in effect for the billing 
period  as  disclosed  below,  rounded  to  five  decimal  places.    The  Annual  Percentage  Rate  may  be  changed  quarterly.    It  will  be  calculated  by  taking  the  rate 

  
disclosed as the “Prime Rate” in the “Money Rates” section of The Wall Street Journal on the 15th day of March, June, September and December of each year (or 
the next business day if the 15th day falls on a weekend or holiday) and adding 21.25% to that rate. As of July 1, 2011, the AANN NN UU AA LL   PPEERR CC EE NNTT AA GGEE   RR AATTEE so 
calculated is 2244..5500%%, which corresponds to a Daily Periodic  Rate of .06712%.  The variable  Annual Percentage Rate may increase.  Any change in the  Annual 
Percentage Rate will go into effect on the first day of the billing period that begins after the first day of the next calendar quarter and may result in an increase or 
decrease in the Interest Charge imposed on your Account and in the Minimum Payment Due.  
BB..    There  will  be  a  Minimum IINNTTEERREESSTT   CC HH AA RR GGEE  of $2.00  in  any  billing  period  in  which  the  IINNTTEERREESSTT  CC HH AA RR GGEE  resulting from  application  of the  Daily 
Periodic Rate would be less than $2.00.   
CC ..    TThhee   iinnffoorrmm aattiioonn   aabboouutt   tthhee   ccoosstt   ooff   tthhee   ccaa rrdd   ii ss   aa cc ccuurraattee   aa ss   ooff   JJuullyy   11 ,,   22001111..      TThhiiss   iinnffoorrmm aattiioonn   mmaa yy   hhaavvee    cchhaannggeedd   aafftteerr   tthhaatt  
ddaattee..    TToo  ffiinndd  oouutt  wwhhaatt   mmaayy   hhaavvee   cchhaannggeedd,,  ww rriittee  uuss  aatt  PP..OO..    BBoo xx  88005511,,  MMaassoonn,,   OO HH  4455004400..  
88..    MMiinnii mmuu mm   PPaayy mm eenntt::  
AA..     MMiinnii mmuu mm   PPaayy mm eenntt  DDuuee:: Each month, for each Account Type with a balance, you agree to pay at least the Minimum Payment Due, which is the sum of a 
Monthly Minimum plus all unpaid Late Payment Fees, any credit protection charges (if enrolled) applied that month and any delinquent Monthly Minimums, by the 
Payment Due Date. The Monthly Minimum for each Account Type is calculated as follows: 

11..  RR ee vvooll vviinngg  AAcc ccoouunntt  TTyyppee:: The greater of $25.00 or 3.25% of the New Balance, rounded up to the next whole dollar amount, or the entire New Balance if 

it is under $25.00.  

22..  MMaajjoorr  PPuurrcchhaassee   AA cc ccoouunntt  TTyyppee::  The greater  of $25.00 or 3.25% of the New  Balance,  rounded up to the next whole dollar  amount, or the entire New 

Balance if it is under $25.00.  

33..  CC lluubb  AAcc ccoouunntt  TTyyppee:: The greater of $25.00 or 1/12th of the highest New Balance of your Club Account since it last had a $0 balance, rounded up to the 

next whole dollar amount, or the entire New Balance if it is under $25.00. 

BB..    LL eevv ee ll  PPaayy mm eennttss:: Since the Minimum Payment for Club Accounts is based on the highest New Balance in the Account Type until paid in full, the Minimum 
Payment for Club Accounts will not decrease as the New Balance decreases, even if you pay more than the Minimum Payment required. Your Minimum Payment 
will increase, however, if a new purchase increases the New Balance in the Club Account above a previous high.  
CC ..    AAddddiittiioonnaall  PPaayy mm eenntt  IInnffoorrmm aattiioonn:: You may pay all or part of your  account balance at any time. However,  you must pay, by the Payment Due Date, at 
least the Minimum Payment Due as calculated above. If you pay more than the Minimum Payment Due and there is still a balance due, you must continue to make 
your Minimum Payment Due in future months. Payments in excess of the Minimum Payment Due will be applied in accordance with law, and payments less than the 
Minimum Payment Due and credits will be applied at our discretion. If we accept any late payment or partial payment, whether or not marked as payment in full, it 
will not affect the due date of any payment due under this Agreement, it will not act as an extension of time or a waiver of any amount then remaining unpaid, and it 
will not affect any of our rights under this Agreement including our right to declare the entire balance in your Account to be due. Returns and credits are not applied 
toward your Minimum Payment Due. 
DD..    FFoo rr mm   ooff  PPaayy mm eenntt:: You agree to make your payment by check, money order or  similar instrument payable in U.S. Dollars drawn on a financial institution 
located in the United States.  
99..    SSppeecciiaall   PPaayy mm eenntt  PPllaannss:: We may offer you promotional terms from time to time 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 the Credit Card Agreement, in accordance with law.  They may include the 
Special Event and the No Interest offers described below.  Your promotional terms may end if you make a late payment.  (a) Special Event:  Interest Charges will 
accrue but will be deferred during the promotional period, and will not be imposed on this balance if you pay the balance in full by the end of the promotional period.  
We will impose Interest Charges on this balance if you do not pay the balance in full by the end of the promotional period or the promotional terms are terminated.  
We will impose these Interest Charges from the date of purchase until the balance is paid in full.  The promotional offer will specify any minimum purchase amount 
and the amount of any minimum payment required on this balance.  (b)  No Interest:  No Interest Charges are imposed on this balance during the promotional period.  
The promotional offer will specify any minimum purchase amount and the amount of any minimum payment required on this balance. 
1100..   RReettuurrnneedd  PPaayy mm eenntt::  We may  add  a  returned  check fee for  a  returned  payment.   A  returned  payment  is  an  electronic  debit,  payment  check,  or  similar 
payment instrument, which 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 $25; or $35 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. 
1111..  LLaattee  PPaayy mm eenntt  FFee ee ::  We may add a late payment fee for each billing cycle in which you have a past due payment.  For late payment fee purposes, you have 
a past due payment any time you fail to pay the Minimum Payment Due by the Payment Due Date.  The fee will be $25; or $35 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.  
1122..  PPaayy--bbyy--PPhhoonnee  FFee ee :: We may allow you to make payments by authorizing us over the telephone to transfer funds from a deposit account to your  Account. 
We will  charge a Pay-by-Phone Fee for each  such transfer, if permitted by  applicable law. The amount of the Fee  will be disclosed at the time you request this 
optional payment service. 
1133..   DDooccuu mm eenntt  PPrroodduuccttiioonn  FFee ee:: We may charge  you a fee of $3.00 per item if you request copies of previously provided records,  such as Statements and 
sales checks. We will not charge you for documents produced in connection with a Billing Error investigation. 
1144..  FF ee ee ss:: For all fees, we reserve the right to waive all or part of any fee in certain cases without losing our right to impose such fee in future billing periods. 
1155..   DDeeffaauulltt// CCoo llll ee ccttiioonn   CCoo ssttss:: If we fail to receive any Minimum Payment Due, if you declare bankruptcy, or if you die, it will be a default, and, subject to any 
right you may have under state law to receive notice of and to cure such default, we may declare the entire unpaid balance in the Account due and payable. If your 
Account is referred to an attorney who is not our salaried employee and we prevail in a suit against you to collect the amount you owe, in addition to the full amount 
owed and any court costs, you agree to pay our reasonable attorney’s fees, to the extent permitted by law. If your Account is referred to a collection agency, we 
may  charge  you  a  collection fee,  if  permitted  by  applicable  law.  No  attorney’s  fees  or  collection  costs  will  be  imposed  in  any  state,  or  in  any  amount,  unless 
permitted by law. To the extent permitted by law, after we declare the entire unpaid balance due, we may impose Interest Charges on the outstanding balance due 
each month until we obtain a court judgment for the amount you owe. 
1166..  IInncc rreeaass iinngg  oo rr  LL ii mm iittiinngg  YYoouurr   CC rreeddiitt:: We may  increase  or  decrease  your  line  of  credit from time to time. We  have  the  right  at  any  time to  limit  or 
terminate the use of your  Account without giving you notice in advance, unless  we are  required to give  you notice by law. If requested, you agree to return any 
credit card issued to you. You agree to notify us promptly if any credit card we issue to you is lost or stolen. 
1177..   CChhaannggee  IInn  TTeerr mm ss // CChhaannggee  IInn  AAddddrree ss ss:: We may change any term of this Agreement or add a new term at any time, including changes to the minimum 
payment schedule(s) or the Interest Charge rates, and may apply the new terms to any unpaid balances, as well as to any future balances, unless prohibited by law. 
When required by law, we will mail you prior notice of the change(s). You agree to notify us promptly in writing if you move. Until we receive written notice of your 
new address, we will continue to send Statements and other notices to the address in our records.  
1188..   CC rreeddiitt   IInnvveessttiiggaattiioonn::   You  give  us  permission  to  investigate  your  credit  history  by  obtaining  consumer  reports  and  by  making  direct  inquiries  of 
businesses where you have accounts and where you work. We may request a consumer report from consumer reporting agencies in considering your application 
for this Account and later in connection with an update, renewal, extension of credit, or in connection with the collection of this Account. Upon your request we will 

tell you whether or not a consumer report was requested and the name and address of any consumer reporting agency that furnished the report. 
1199..   DDii ssppuutteedd  AAcc ccuurraa cc yy  ooff   CC rreeddiitt  RR eeppoorrtt:: We may report information about your  Account to credit reporting agencies. Late payments, missed payments, 
or other defaults on  your  Account may appear  on your credit report. If you request cards  on your  Account for others,  we may  report account information in the 
names of those other people as well.  If you think we reported erroneous information to a credit reporting agency, write to: Credit Bureau Dispute Verification, P.O. 
Box 8218, Mason, OH 45040-8218. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit 
report that includes the inaccurate information, please send a copy of that report to us as well. We will promptly investigate the matter and notify you in writing of 
the results.  If we agree with you, we will contact each credit reporting agency to which we reported and request a correction.  
2200..   GGoo vvee rrnniinngg  LLaaww::   YYoouu  uunnddeerrssttaanndd  aanndd  aaggrree ee  tthhaatt  tthhiiss   AA ggrree ee mm eenntt  ii ss   eenntteerreedd  iinnttoo  bbeettwweeeenn  yyoouu  aanndd  uuss  iinn  SSoouutthh  DDaakkoottaa  aanndd  aannyy  
cc rreeddiitt   wwee   ee xxtteenndd   ttoo   yyoouu   iiss    ee xxtteennddeedd   ffrroo mm    SSoouutthh   DDaakkoottaa..   YYoouu   ffuurrtthhee rr   uunnddeerrssttaanndd   aanndd   aaggrree ee    tthhaatt   tthhiiss   AAgg rreeee mm eenntt   iiss    ggoovvee rrnn eedd  
oonnllyy   bbyy   aapppplliiccaabbllee   ffeeddee rraall   llaaww   aanndd   tthhee   llaaww   ooff   tthhee   SSttaattee   ooff   SSoouutthh   DDaakkoottaa,,   wwhheetthheerr   oo rr   nnoott   yyoouu   lliivv ee    iinn   SSoouutthh   DDaakkoottaa   aanndd   wwhheetthheerr   
oorr  nnoott  yyoouu  uussee   yyoouu rr   cc rreeddiitt  ccaa rrdd  iinn  SSoouutthh  DDaakkoottaa..  
2211..  IIddeennttiiffyyiinngg  IInnffoorrmm aattiioonn:: 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 DSNB, Macy’s, Inc. and their affiliates. 
2222..   AAss ss iiggnn mm eenntt:: We may  assign  your  Account  and  any  of  our  rights  under this  Agreement to  our  affiliates  or  some  other  entity  without prior  notice to  you. 
Following such assignment, that entity will take our place in this Agreement. 
2233..   DDii ssppuutteedd  AA mmoouunnttss::  All communications concerning disputed amounts, including any check or other payment instrument in an amount less than the full 
amount due that you send to us marked “paid in full”, or which you otherwise tender as full satisfaction of a disputed amount, must be sent to us at the address for 
billing inquiries shown below in the section regarding your right to dispute billing errors under federal law. 
2244..  TTee ll eepphhoonnee  MMoonniittoorriinngg::  We treat every customer call confidentially. To ensure that you receive accurate and courteous customer service, on occasion, 
your call may be monitored by a second employee. 
NN OOTTII CCEESS  TTOO    AAPPPPLLII CC AA NNTT:: 
The applicant, if married, may apply for a separate account.  After credit approval, each applicant shall have the right to use this Account to the extent of any credit 
limit set by the creditor and each applicant may be liable for all amounts of credit extended under this Account to any joint applicant. 

YY oouu rr    BB ii ll ll iinngg   RR iigghhttss ::    KK eeeepp   tthhii ss   DDooccuummeenntt  ffoorr    FF uuttuurree    UU ssee  
TThhiiss  nnoottiiccee  tteell llss    yyoouu  aabboouutt  yyoouurr   rriigghhttss  aanndd  oouurr   rree ssppoonnssiibbiilliittiiee ss   uunnddee rr  tthhee   FFaaii rr   CC rreeddiitt  BBii llll iinngg  AAcctt..  
WWhhaatt  TToo  DDoo  IIff  YYoouu  FFiinndd  AA  MMiissttaakkee  OOnn  YYoouurr  SSttaattee mm eenntt  
If you think there is an error on your statement, write to us at: 
  Department Stores National Bank 
  P.O. Box 8066 
  Mason, OH  45040 
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. 
WWhhaatt   WW iill ll   HHaappppeenn  AAfftteerr   WW ee    RR ee cc ee iivv ee   YYoouurr   LL eettttee rr  
WWhh eenn  wwee    rree cc eeii vv ee   yyoouu rr   ll eetttteerr,,  ww ee    mmuu sstt  ddoo  ttwwoo  tthhiinnggss::  

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. 

WWhh iill ee   wwee   iinnvv ee ssttiiggaattee  wwhheetthheerr  oo rr  nnoott  tthheerree  hhaass  bbee eenn  aann  ee rrrroo rr::  

•  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. 

AAfftteerr  ww ee  ffiinniisshh  oouurr  iinnvv ee ssttiiggaattiioonn,,  oonnee  ooff  ttwwoo  tthhiinnggss  wwii llll   hhaappppeenn::  

•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
•  If we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and fees.  We will send you a statement of 

the amount you owe and the date payment is due.  We may then report you as delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.  If you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill.  We must tell you the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
YYoouurr   RRiigghhttss  IIff  YYoouu  AA rree   DDiiss ssaattiissffiieedd   WW iitthh  YYoouurr   CC rreeddiitt   CCaa rrdd   PPuurrcchhaassee ss   
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 
  P.O. Box 8066 
  Mason, OH  45040 
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. 

NN oott ii cc ee   ttoo   WWiiss cc oo nnssii nn  RReessii dd eennttss::  You must promptly provide your spouse’s name and address to us by calling 1-800-243-6552.