IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW 
ACCOUNT: To help the government fight the funding of terrorism and money 
laundering activities, Federal law requires all financial institutions to obtain, verify, and 
record information that indentifies each person who opens an account. What this means 
for you: When you open an account, we will ask for your name, address, date of birth, 
and other information that will allow us to identify you. We may also ask to see your 
driver's license or other identifying documents.  

NORDSTROM VISA SIGNATURE® AND NORDSTROM CREDIT CARD ACCOUNT 
OPENING DISCLOSURE TABLE; APR, FEE AND OTHER IMPORTANT 
INFORMATION  

INTEREST RATES AND INTEREST CHARGES 

Annual 
Percentage 
Rate (APR) for 
Nordstrom 
Purchases 

TIER I 
10.90% 

TIER II 
14.90% 

TIER III 
18.90% 

TIER IV 
22.90% 

Your APR will be assigned when you open your account, based 
on your creditworthiness. After that, your APR will vary with the 
market based on the Prime Rate. The APR assigned to your 
account for Nordstrom Purchases will be printed on the 
temporary card you receive when you open your account. 

APR for Non-
Nordstrom 
Purchases and 
Cash 
Advances 

TIER I 
14.90% 

TIER II 
18.90% 

TIER III 
22.90% 

TIER IV 
22.90% 

Your APR will be assigned when you open your account, based 
on your creditworthiness. After that, your APR will vary with the 
market based on the Prime Rate. The APR assigned to your 
account for Non-Nordstrom Purchases will be printed on the 
reverse of the card carrier letter you will receive with your credit 
card. 

27.90% 

Penalty APR 
and When It 
Applies 

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

This APR may be applied to your account if your minimum 
payment is not received within 60 days of your due date. 

 
 
How Long Will the Penalty APR Apply?: If your APRs are 
increased for this reason, the Penalty APR will apply until you 
make six consecutive minimum payments when due. 

Paying Interest 

Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you 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 

For Credit 
Card Tips from 
the Consumer 
Financial 
Protection 
Bureau 

FEES 

If you are charged interest, the charge will be no less than 
$0.50. 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Annual Fee 

None 

Transaction 
Fees 
Cash Advance 

Penalty Fees 
Late Payment 
Returned 
Payment 

  Cash Advance: Either $5 or 3% of the amount of each 

cash advance, whichever is greater. 

  Late Payment: Up to $35 
  Returned Payment: $25 

How We Will Calculate Your Balance: We use a method called "daily balance." See 
your Cardholder Agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise 
those rights is provided in your Cardholder Agreement. 
WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral 
statement under section 766.59, Wis. Stats., or a court decree under section 766.70, 

Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the 
time credit is granted, is furnished a copy of the agreement, statement or decree or has 
actual knowledge of the adverse provision when the obligation to the creditor is 
incurred. 

Notice: We may report information to credit bureaus about this account with 
respect to all approved applicants and all authorized users. Late payments, 
missed payments, or other defaults on this account may be reflected in your 
credit report and that of your authorized user's credit report. If you do not want 
the status of this account to be reported to your authorized user's credit bureau 
file, do not list an authorized user. 

Nordstrom Bank is a trade name of Nordstrom fsb, a wholly owned subsidiary of 
Nordstrom, Inc. 

NORDSTROM BANK 
CARDHOLDER AGREEMENT 
CONSUMER DISCLOSURES 
NORDSTROM REWARDS™ TERMS AND CONDITIONS  

In this Nordstrom Bank Cardholder Agreement; Consumer Disclosures; Nordstrom 
Rewards Terms and Conditions the term "Nordstrom Bank" includes its successors 
and assignees. Nordstrom Bank is a trade name of Nordstrom fsb, a wholly owned 
subsidiary of Nordstrom, Inc. Throughout, the Nordstrom Bank Cardholder Agreement; 
Consumer Disclosures; Nordstrom Rewards Terms and Conditions, which includes the 
terms and conditions governing Credit Card Accounts and Nordstrom debit cards, 
together with the "Nordstrom Debit Card Error Resolution Notice," the "Credit Card 
Billing Rights Notice," and the "Nordstrom Rewards Terms and Conditions," collectively 
will be referred to as the "Agreement." As used in Parts I, II, and III of the Agreement, 
the terms "I", "my", and "me" mean each person who has signed or otherwise 
submitted an application or other forms when opening or requesting either a Nordstrom 
Bank credit card account (each individually a "Nordstrom account", or "Visa Signature", 
or collectively, the "Credit Card Account") or the Nordstrom Bank debit card (the 
"Nordstrom debit card"), as applicable, and each person who is liable to pay Nordstrom 
Bank for amounts owed under the Credit Card Account or due to use of the Nordstrom 
debit card (as applicable). As used in Parts IV and V of the Agreement, the terms 
"you", and "your" mean each person who has signed or otherwise submitted an 
application or other forms when opening or requesting either a Credit Card Account or a 
Nordstrom debit card, as applicable, and each person who is liable to pay Nordstrom 
Bank for amounts owed under the Credit Card Account or due to use of the Nordstrom 
debit card (as applicable) and the terms "we", "our", and "us" mean Nordstrom Bank.  

Part I of this Agreement sets forth the general terms and conditions applicable to all 
Credit Card Accounts and Nordstrom debit cards. Part II of this Agreement sets forth the 
specific terms and conditions applicable to Nordstrom Bank Credit Card Accounts. Part 
III of this Agreement includes specific terms and conditions applicable to all Nordstrom 
debit cards. Part IV of this Agreement provides consumer disclosure statements 
addressing Credit Card Accounts Billing Rights Summary and Nordstrom Debit Card 

Error Resolution Notice. Part V sets forth the terms and conditions of the Nordstrom 
Rewards program.  

PART I — GENERAL TERMS AND CONDITIONS  

1. ACCEPTANCE OF AGREEMENT. This Agreement governs the use of my Credit 
Card Account and/or my Nordstrom debit card. I have read and kept this Agreement for 
my records. The application I signed or otherwise submitted (including the 
accompanying federal and state notices) and the card carrier Nordstrom Bank sends 
with my Credit Card Account or Nordstrom debit card (as applicable) are part of and are 
incorporated into this Agreement. My signature on the application I submitted to 
Nordstrom Bank requesting a credit card or Nordstrom debit card (as applicable) 
represents my signature on this Agreement and each use of the Credit Card Account 
and/or Nordstrom debit card confirms my agreement to the terms and conditions stated 
in this Agreement, as they may be amended from time to time. This Agreement begins 
on the earlier of the date that Nordstrom Bank approves my application, or the date that 
Nordstrom Bank allows me to use my Credit Card Account or Nordstrom debit card (as 
applicable), as evidenced by a signed sales slip, memorandum, or otherwise. If 
Nordstrom Bank approves my application and issues a credit card or Nordstrom debit 
card to me, I agree to pay Nordstrom Bank all amounts owed under this Agreement.  
2. CHANGE IN TERMS. Subject to the governing law (provision described below in Part 
I, paragraph 8 of this Agreement), (a) Nordstrom Bank has the right to change any term 
of this Agreement at any time, including without limitation any Annual Percentage Rate, 
any other rates and fees, and may add or delete fees and other provisions relating to 
my Credit Card Account or Nordstrom debit card, and to the nature, extent and 
enforcement of the rights and obligations I may have under this Agreement; and (b) the 
change may be applied to any amount I owe Nordstrom Bank in connection with my 
Credit Card Account or Nordstrom debit card at the time of the change. Subject to 
applicable law, Nordstrom Bank will give me written notice before the effective date of 
any such change.  
3. PROMISE TO PAY. I agree to pay in US dollars for all purchases and cash 
advances, (including applicable Interest Charges for Credit Card Accounts) and Fees 
(as defined in paragraphs 5, and 6 of Part II below) incurred by me or anyone I 
authorize or permit to use my Credit Card Account or credit card, or Nordstrom debit 
card, even if I do not notify Nordstrom Bank that others are using my Credit Card 
Account, or credit card, or Nordstrom debit card. All checks must be drawn on funds on 
deposit in the United States. If my Credit Card Account or Nordstrom debit card is a joint 
account, all cardholders agree to be liable individually for the entire amount owed on the 
Credit Card Account or the Nordstrom debit card. Nordstrom Bank can accept late 
payments or partial payments or checks and money orders marked "payment in full" 
without losing its right to receive the full amount owing on my Credit Card Account or 
Nordstrom debit card or any of its other rights under this Agreement. I understand that I 
may pay the unpaid balance in whole, or in part, at anytime. I agree to address all 
communications concerning disputed debts, including instruments tendered as full 
satisfaction of debt, to the following address: Nordstrom Bank, P.O. Box 13589, 
Scottsdale, AZ 85267.  

4. AUTHORIZED USERS. I understand and agree that if I authorize or permit other 
persons to use my Credit Card Account or Nordstrom debit card, Nordstrom Bank will 
be unable to determine whether any particular purchase charged to my Credit Card 
Account or made with my Nordstrom debit card by an authorized user was in fact 
authorized by me or made for my benefit, and I specifically agree that I will pay for all 
purchases charged to my Credit Card Account or made with my Nordstrom debit card 
by an authorized user, whether or not such purchases were specifically authorized by 
me or made for my benefit. If I want to cancel the authorized or permitted use of my 
Credit Card Account or my Nordstrom debit card by another person, I must telephone 
Nordstrom Bank at 1.800.964.1800 (Credit Card Accounts) or 1.866.445.0426 
(Nordstrom debit card), or provide written notification to Nordstrom Bank, P.O. Box 
13589, Scottsdale, AZ 85267, and recover and destroy any such credit card or 
Nordstrom debit card in such person's possession.  
5. LOST OR STOLEN CARDS. If any credit card or Nordstrom debit card is lost or 
stolen, or if I think that someone is using my Credit Card Account, credit card or 
Nordstrom debit card without my permission, I will immediately telephone Nordstrom 
Bank at 1.800.964.1800 (Credit Card Accounts) or 1.866.445.0426 (Nordstrom debit 
card), or notify Nordstrom Bank in writing at Nordstrom Bank, P.O. Box 13589, 
Scottsdale, AZ 85267.  
6. MISREPRESENTATION. In the event that any information given to Nordstrom Bank 
in connection with my application or any future transaction involving my Credit Card 
Account or Nordstrom debit card is false or misleading, Nordstrom Bank reserves the 
right to terminate this Agreement and take any and all legal action available under 
applicable law.  
7. CANCELLATION. For any reason not prohibited by applicable law and with only 
such notice as is required by law, Nordstrom Bank has the right at any time to terminate 
my Credit Card Account or Nordstrom debit card and this Agreement as each relates to 
future purchases or cash advances, or to limit or cancel my Credit Card Account and 
credit card or Nordstrom debit card privileges. I may terminate this Agreement, by 
notifying Nordstrom Bank in writing and destroying my credit card(s) and/or my 
Nordstrom debit card(s). Termination of this Agreement, or any limitation or cancellation 
of my Credit Card Account or credit privileges or Nordstrom debit card privileges, will 
not affect my liability with respect to all outstanding balances, and I will still be 
responsible for paying any outstanding balance or other amounts I owe Nordstrom Bank 
according to the terms of this Agreement. Nordstrom Bank specifically reserves the right 
to close my current Nordstrom Bank Credit Card Account or to cancel my Nordstrom 
debit card based on the delinquency of any of my other Nordstrom Bank Credit Card 
Accounts or Nordstrom debit card.  
8. GOVERNING LAW; ENFORCEABILITY. I understand that this Agreement, each 
term of this Agreement, and any amendment to this Agreement are governed by and 
construed in accordance with United States federal law and the laws of the state of 
Arizona (without regard to any Arizona conflict of law principles). For example, for Credit 
Card accounts, this Agreement is made in Arizona and credit is extended to me from 
Arizona, so the Credit Card terms of this Agreement are governed by Arizona law, 
including Arizona Revised Statutes Section 44-1205(C), regardless of where I reside or 
where I use my account.  

I agree that if a dispute arises and I file suit against Nordstrom Bank, service of process 
on Nordstrom Bank may be made only at Nordstrom Bank's main office in Scottsdale, 
Arizona. If any part of this Agreement becomes unenforceable, it will not make any 
other part of this Agreement unenforceable.  

For Maryland residents with a Credit Card account, to the extent federal law and the 
laws of the State of Arizona do not apply, this Agreement is governed by Title 12, 
Subtitle 9 of the Maryland Commercial Law Article.  

9. RESERVATION OF RIGHTS. Nordstrom Bank reserves the right not to assess part 
or all of any fee or other amounts, or not to exercise any other of its rights under this 
Agreement, and, by doing so, Nordstrom Bank will not have waived its right to assess 
such fee or other amounts or exercise other rights under to this Agreement in the future. 
Nordstrom Bank reserves the right to reject, or refuse to accept, payments or credits, for 
any reason, including based on the frequency or amount of the transaction, or as set 
forth in Part II, paragraph 1 below.  
10. CREDIT REPORTING; INACCURATE INFORMATION. I hereby authorize 
Nordstrom Bank at its discretion to furnish information concerning my Credit Card 
Account and Nordstrom debit card transactions to consumer reporting agencies and 
others who may properly receive such information. I may provide written notification to 
Nordstrom Bank at P.O. Box 13589, Scottsdale, AZ 85267, if I believe Nordstrom Bank 
has information about me that is inaccurate, or that Nordstrom Bank has reported or 
may report to a consumer reporting agency information about me that is inaccurate.  
11. AUTHORIZATIONS. Some purchases made with my Credit Card Account or 
Nordstrom debit card will require Nordstrom Bank's prior authorization, and I may be 
asked to provide identification. If Nordstrom Bank's authorization system is not working, 
it may not be able to authorize a transaction, even if my Credit Card Account has 
sufficient available credit, and even if the Deposit Account accessed by my Nordstrom 
debit card has sufficient funds in it. Nordstrom Bank will not be liable to me if any of 
these events happen. Nordstrom Bank is not responsible for the refusal of anyone to 
accept or honor my credit card or Nordstrom debit card.  
12. ASSIGNMENT. I may not sell, assign, or transfer my Credit Card Account, or 
Nordstrom debit card without first obtaining Nordstrom Bank's prior written consent. 
Nordstrom Bank may assign my Credit Card Account or Nordstrom debit card and 
Nordstrom Bank's rights under this Agreement without prior notice to me.  
13. USE OF CARD. I understand and agree that I may use my Credit Card Account 
and/or Nordstrom debit card only for personal, family and household purposes, and I 
may not use my Credit Card Account or Nordstrom debit card for any illegal purpose. If 
my application is for a joint Credit Card Account or Nordstrom debit card (as applicable) 
after approval, each applicant shall have the right to use the Credit Card Account or 
Nordstrom debit card to the extent of any credit limits for Credit Card Accounts or daily 
spending limits for debit cards, and each applicant may be liable for all amounts owed 
under this Agreement to any joint applicant.  
14. CHANGE OF RESIDENCE. If I move, I agree to promptly notify Nordstrom Bank of 
my new address.  
15. TELEPHONE COMMUNICATIONS. Nordstrom Bank treats all customer calls as 
confidential per Nordstrom Bank's Privacy Notice. I agree that my telephone 

conversations with representatives of Nordstrom Bank may be monitored and/or 
recorded for quality assurance and other appropriate purposes, unless, at the 
commencement of each telephone conversation, I advise the Nordstrom Bank 
representative that I do not wish the call to be monitored and/or recorded. I authorize 
Nordstrom Bank to make telephone calls to me or to send me text messages at any 
telephone number I have given to Nordstrom Bank or from which I have telephoned 
Nordstrom Bank, including, without limitation, cellular or mobile phones. I authorize 
Nordstrom Bank to make such telephone calls and/or leave prerecorded messages, 
using automatic telephone dialing devices at any telephone number I have given to 
Nordstrom Bank for any purpose related to my Credit Card Account or Nordstrom debit 
card. 
STATE SPECIFIC INFORMATION: 
Florida Residents: I agree that, should Nordstrom Bank obtain a judgment against me, 
a portion of my disposable earnings may be attached or garnished (paid to Nordstrom 
Bank by my employer), as provided by Florida and Federal law. 
New Jersey Residents: Because certain provisions of this Agreement are subject to 
governing law, they may be void, unenforceable or inapplicable in some jurisdictions. 
None of these provisions are void, unenforceable or inapplicable within New Jersey.  

PART II — CREDIT CARD ACCOUNTS  

1. MONTHLY PAYMENTS. Each month, I agree to pay at least the Minimum Payment 
Due shown on my monthly billing statement no later than the payment Due Date shown 
on the monthly billing statement. The Minimum Payment Due is the sum of (i) the 
Current Due, calculated as shown under Part II, paragraph 2 below ("MINIMUM 
MONTHLY PAYMENTS"), which includes any "Fees", and (ii) any Past Due amount. I 
may at any time pay more than the Minimum Payment Due, or pay off my entire Credit 
Card Account balance in full without incurring any additional charge. All payments must 
be mailed or delivered to Nordstrom Bank at the address shown on my monthly billing 
statement. Any payment received by Nordstrom Bank at this address after 5:00 p.m. 
Mountain Standard Time (Arizona) on any business day will be credited to my Credit 
Card Account on the next business day. I must include my payment stub, and not send 
cash. If any payment does not conform to these requirements, the payment may not be 
credited to my Credit Card Account for up to five (5) days, or may be rejected. I 
understand that a credit may not be treated as a payment and will not satisfy the 
Minimum Payment Due, and that there may be a delay in the posting of a credit on my 
Credit Card Account. I also understand that, at Nordstrom Bank's discretion, funds 
processed through a money transfer program may be rejected or accepted and posted 
to my Credit Card Account as a payment or a credit.  
2. MINIMUM MONTHLY PAYMENTS. 
A. Visa Signature. (i) If my New Balance is less than my Revolving Credit Line, the 
Current Due each month will be the greatest of (a) $35, (b) 10% of my New Balance 
rounded to the next higher whole dollar amount (unless Nordstrom Bank permits me to 
pay 5% of my New Balance rounded to the next higher whole dollar amount, in which 
case, that amount will be the Current Due reflected on my monthly billing statement), or 
(c) the sum of all Interest Charges and Fees imposed during the current billing cycle 
plus 1% of my New Balance, rounded to the next higher whole dollar amount; provided, 

that if the New Balance shown on my monthly billing statement is less than $35, the 
Current Due will be my New Balance. (ii) If my New Balance exceeds my Revolving 
Credit Line and I have paid the Minimum Payment Due shown on my previous month's 
billing statement as specified in the "MONTHLY PAYMENTS" paragraph above, the 
Current Due each month will be the greater of (a) 10% of my total Revolving Credit Line 
rounded to the next higher whole dollar amount plus the full amount by which my New 
Balance exceeds my Revolving Credit Line (unless Nordstrom Bank permits me to pay 
5% of my total Revolving Credit Line rounded to the next higher whole dollar amount 
plus the full amount by which my New Balance exceeds my Revolving Credit Line, in 
which case, that amount will be the Current Due reflected on my monthly billing 
statement), or (b) the sum of all Interest Charges and Fees imposed during the current 
billing cycle plus 1% of my Revolving Credit Line, rounded to the next higher whole 
dollar amount. (iii) If my New Balance exceeds my Revolving Credit Line and I have not 
paid the Minimum Payment Due shown on my previous month's billing statement as 
specified in the "MONTHLY PAYMENTS" paragraph above, the Current Due each 
month will be the greater of (a) 10% of my total Revolving Credit Line rounded to the 
next higher whole dollar amount plus the full amount of all current billing cycle 
purchases and Fees which exceed my Revolving Credit Line (unless Nordstrom Bank 
permits me to pay 5% of my total Revolving Credit Line rounded to the next higher 
whole dollar amount plus the full amount of all current billing cycle purchases and Fees 
which exceed my Revolving Credit Line, in which case, that amount will be the Current 
Due reflected on my monthly billing statement), or (b) the sum of all Interest Charges 
and Fees imposed during the current billing cycle plus 1% of my Revolving Credit Line, 
rounded to the next higher whole dollar amount.  
B. Nordstrom Accounts. The Current Due each month will be the greatest of (i) $35, 
or (ii) 5% of my New Balance rounded to the next higher whole dollar amount, or (iii) the 
sum of all Interest Charges and Fees imposed during the current billing cycle plus 1% of 
my New Balance, rounded to the next higher whole dollar amount; provided, that if the 
New Balance shown on my monthly billing statement is less than $35, the Current Due 
will be my New Balance.  
3. SPECIAL PAYMENT OPTIONS. From time to time Nordstrom Bank may permit me 
the flexibility to skip one or more payments, reduce my Annual Percentage Rate or 
interest charge, or take advantage of other options Nordstrom Bank may make 
available. Nordstrom Bank will provide me details of these special programs at the time 
they are offered.  
4. INTEREST CHARGES 
A. Balance Categories. Interest charges are calculated separately for Purchases and 
Cash Advances. "Purchases" are purchases of goods or services from a Nordstrom or 
other merchant location. "Cash Advances" are advances from an automated teller 
machine (ATM); through a convenience check, home banking, a financial institution, 
casino, hotel, or similar location; by making a wire transfer, balance transfer, or bill 
payment; by acquiring a money order, traveler's check, lottery ticket, casino chip, or 
similar item; or other similar transactions.  

Interest Charges will be calculated separately for Nordstrom and Non-Nordstrom 
Purchases. “Nordstrom Purchases” are purchases I make using my Nordstrom retail or 
Nordstrom Visa card at Nordstrom locations, including Nordstrom full-line stores, 

Nordstrom Rack stores, nordstrom.com, nordstromrack.com, and through Nordstrom 
catalogs. “Non-Nordstrom Purchases” are purchases I charge to my Nordstrom Visa 
card that are not Nordstrom Purchases.  

In this Agreement, a separate balance for Nordstrom Purchases, Non-Nordstrom 
Purchases or Cash Advances is sometimes called a "Balance Category." My billing 
statement may show a single calculation of interest charges for multiple Balance 
Categories if the same Annual Percentage Rate applies to the Balance Categories.  

B. When Interest Charges Begin to Accrue on Purchases. My due date is at least 25 
days after the close of each billing cycle. In order to be eligible for a grace period on 
Purchases for the current billing cycle, I must pay my New Balance in full by the 
payment Due Date shown on that billing statement. If I do not pay the entire amount of 
the New Balance by that date, there will be an interest charge on each Purchase from 
the date the Purchase is made. For purposes of this paragraph 4 (B).,Nordstrom Bank 
will consider credits to my Credit Card Account resulting from an exchange or return of 
a Purchase included in my Previous Month's New Balance only when determining 
whether I have paid the entire New Balance shown on my monthly billing statement by 
the payment Due Date.  
C. When Interest Charges Begin to Accrue on Cash Advances. There is no "grace 
period" for Cash Advances. The interest charge on any Cash Advance begins on the 
date of the transaction. This paragraph 4 (C) applies only to Credit Card Accounts that 
have a Cash Advance feature.  
D. Daily Balance Method for Computation of the Balances Subject to Interest 
Charges. Nordstrom Bank figures the interest charge by applying the periodic rate (as 
described below in Part II, paragraph 4.E) to the "daily balance" of my account for each 
day in the billing cycle. To get the "daily balance" of a Balance Category, Nordstrom 
Bank takes the beginning balance of that Balance Category each day, adds any new 
transactions or charges and subtracts any credits or payments (or portions thereof) that 
are applicable to that Balance Category. This gives us the daily balance for each 
Balance Category.  

Each day's interest charge on a Balance Category is added to the daily balance of that 
Balance Category to get the beginning balance for the next day and will be part of the 
Balance Category on which future interest charges are assessed until paid. The total 
interest for a billing cycle is equal to the sum of the daily interest for each day in the 
billing cycle.  

Late Payment Fees and/or Return Payment Fees are prorated and allocated to the 
Balance Categories based on the balances of my Balance Categories on the day I 
incurred the Late Payment Fee or Return Payment Fees. Miscellaneous fees will be 
added to my Nordstrom Purchase Balance Category on the day I incurred the fee.  

Nordstrom Bank will round daily interest charge calculations for a Balance Category to 
the nearest whole cent. If I paid in full the New Balance shown on my previous month's 
billing statement by the specified payment Due Date, Nordstrom Bank will consider my 
daily balance of Nordstrom Purchases and Non-Nordstrom Purchases to be zero for 
each day of the current month's billing cycle. A credit balance on a Balance Category is 

considered to be zero for purposes of calculating the balance subject to interest 
charges.  

E. Interest Charge Rates. The Daily Periodic Rate for a Balance Category is 
determined by dividing the ANNUAL PERCENTAGE RATE for the Balance Category by 
365. The ANNUAL PERCENTAGE RATE for a Balance Category is determined by 
adding a percentage rate (called a "Margin") to the Prime Rate for a billing cycle.  

The ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) for a Balance Category 
may vary from billing cycle to billing cycle if the Prime Rate for a billing cycle changes. 
The "Prime Rate" is the highest prime rate published in the "Money Rates" section of 
The Wall Street Journal print edition on the 15th day of a month, or the next business 
day if the 15th is not a business day. The Prime Rate for a billing cycle is the Prime 
Rate most recently available as of the beginning of the billing cycle.  

Any change in the ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) will take 
effect on the first day of the next billing cycle following a change in the Prime Rate and 
will apply to any outstanding balance on my Credit Card Account. If the ANNUAL 
PERCENTAGE RATE (and Daily Periodic Rate) increases, the amount of the interest 
charges and the Current Due may increase.  

The ANNUAL PERCENTAGE RATES that may apply to a Balance Category are the 
"Standard ANNUAL PERCENTAGE RATES" for the Balance Category (described in 
Part II, paragraph 4.F) and the "Penalty ANNUAL PERCENTAGE RATE" (described in 
Part II, paragraph 4.G). Nordstrom Bank will tell me the current Standard ANNUAL 
PERCENTAGE RATE for Nordstrom Purchases on the temporary shopping card I 
receive if I open my Credit Card Account in a Nordstrom store location. All of the 
Standard ANNUAL PERCENTAGE RATES (and Daily Periodic Rates) applicable to my 
Credit Card Account will be disclosed in the supplement to this Agreement I will receive 
with my Nordstrom credit card or Visa credit card.  

F. Standard ANNUAL PERCENTAGE RATES. The Standard ANNUAL 
PERCENTAGE RATE that applies to a Balance Category will depend on the Tier 
placement of my Credit Card Account. Nordstrom Bank will tell me the Tier in which my 
Credit Card Account has been placed before I may use my Nordstrom credit card or 
Visa credit card. The Standard ANNUAL PERCENTAGE RATES that apply to Balance 
Categories for Credit Card Accounts in Tiers I through IV are described below.  
Tier I Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases is the Prime Rate plus a Margin of 7.65 percentage points. As of April 15, 
2014, this ANNUAL PERCENTAGE RATE was 10.90%. (Daily Periodic Rate of 
0.02986%).  
The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases and Cash 
Advances is the Prime Rate plus a Margin of 11.65 percentage points. As of April 15, 
2014, this ANNUAL PERCENTAGE RATE was 14.90%. (Daily Periodic Rate of 
0.04082%).  
Tier II Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases is the Prime Rate plus a Margin of 11.65 percentage points. As of April 15, 
2014, this ANNUAL PERCENTAGE RATE was 14.90%. (Daily Periodic Rate of 
0.04082%).  

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases and Cash 
Advances is the Prime Rate plus a Margin of 15.65 percentage points. As of April 15, 
2014, this ANNUAL PERCENTAGE RATE was 18.90%. (Daily Periodic Rate of 
0.05178%).  
Tier III Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases is the Prime Rate plus a Margin of 15.65 percentage points. As of April 15, 
2014, this ANNUAL PERCENTAGE RATE was 18.90%. (Daily Periodic Rate of 
0.05178%).  
The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases and Cash 
Advances is the Prime Rate plus a Margin of 19.65 percentage points. As of April 15, 
2014, this ANNUAL PERCENTAGE RATE was 22.90%. (Daily Periodic Rate of 
0.06274%).  
Tier IV Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases, Non-Nordstrom Purchases, and Cash Advances is the Prime Rate plus a 
Margin of 19.65 percentage points. As of April 15, 2014, this ANNUAL PERCENTAGE 
RATE was 22.90%. (Daily Periodic Rate of 0.06274%).  
G. Penalty ANNUAL PERCENTAGE RATE. If I do not pay at least the Minimum 
Payment Due by the payment Due Date shown on my monthly billing statement for two 
consecutive billing cycles, my Credit Card Account will be subject to a Penalty ANNUAL 
PERCENTAGE RATE (rather than a Standard ANNUAL PERCENTAGE RATE). A 
notice on my billing statement will reflect the date when this change will be effective. 
The Penalty ANNUAL PERCENTAGE RATE will apply to any outstanding balance and 
all future transactions on my Credit Card Account. The Penalty ANNUAL 
PERCENTAGE RATE is the Prime Rate plus a Margin of 24.65 percentage points. The 
Penalty ANNUAL PERCENTAGE RATE is subject to a maximum ANNUAL 
PERCENTAGE RATE of 29.99%. As of April 15, 2014, this ANNUAL PERCENTAGE 
RATE was 27.90%. (Daily Periodic Rate of 0.07644%).  
H. Minimum Interest Charge. A minimum interest charge of $0.50 will be assessed 
on my Credit Card Account for any billing cycle in which an interest charge of less than 
$0.50 is due.  
5. TRANSACTION FEES 
Cash Advance Fee. For each Cash Advance on my Credit Card Account (including 
advances to me directly or to someone else at my direction), Nordstrom Bank will 
assess a Cash Advance Fee in an amount equal to 3% of the amount of the Cash 
Advance or $5, whichever is greater. This paragraph 5 (B) applies only to Credit Card 
Accounts that have a Cash Advance feature.  
6. PENALTY FEES 
A. Late Payment Fee. My Credit Card Account will be subject to a Late Payment Fee of 
up to $35 for any late or missed Minimum Payment Due.  
B. Returned Payment Fee. If any payment on my Credit Card Account (such as a 
check, draft, or similar instrument, or any electronic fund transfer) is uncollectible or is 
dishonored for any reason, Nordstrom Bank may charge me and I agree to pay a 
Returned Payment Fee of $25. Nordstrom Bank may assess this fee the first time any 
one of my payment(s) is not honored or paid, even if such payment is later paid 
following resubmission. Nordstrom Bank does not have to attempt to collect any 
payment more than once.  

7. CREDIT LIMIT 
A. Visa Signature. I understand there is no pre-set spending limit for my Visa Signature 
Credit Card Account; however, Nordstrom Bank reserves the right to evaluate each 
charge based on my spending and payment patterns for this account, my other account 
relationships with Nordstrom Bank, my experience with other creditors, and my personal 
financial resources. In addition to Nordstrom Bank's rights granted under Part I, 
paragraph 11 of this Agreement ("AUTHORIZATIONS"), Nordstrom Bank reserves the 
right to decline any authorization request at any time for any reason. Nordstrom Bank 
may also ask me for additional information at any time to evaluate a transaction request 
or my use of this Visa Signature Credit Card Account generally. I agree that Nordstrom 
Bank will establish a Revolving Credit Line for this account and that this Revolving 
Credit Line shall be the maximum amount upon which I may defer payment, subject to 
the Minimum Monthly Payment calculation described in Part II, paragraph 2 above 
("MINIMUM MONTHLY PAYMENTS"). I agree that any purchases and Fees which 
cause my New Balance to exceed my Revolving Credit Line shall be due and payable 
by the payment Due Date specified on the billing statement identifying such charges 
and that Nordstrom Bank shall include such amount in the Current Due and Minimum 
Payment Due for that billing period as described in Part II, paragraph 2 above. I will be 
advised of my initial Revolving Credit Line at the time I receive my Visa Signature credit 
card. I agree that Nordstrom Bank may change my Revolving Credit Line from time to 
time and that Nordstrom Bank has the right to suspend or cancel my Nordstrom Visa 
Signature Credit Card Account under the terms of this Agreement. Nordstrom Bank will 
identify any subsequent changes to my Revolving Credit Line on my periodic billing 
statements.  
B. Nordstrom Accounts. I agree that Nordstrom Bank may establish credit limits and 
that my credit purchases and cash advances at any one time will not exceed my credit 
limits. I will be advised of my initial credit line at the time I receive my credit card. I agree 
that Nordstrom Bank may change my credit line from time to time based upon 
Nordstrom Bank's evaluation of changes in my credit capacity. If I exceed my credit line, 
Nordstrom Bank has the right to refuse further purchases or advances, and to suspend 
or cancel my account under the terms of this Agreement. Nordstrom Bank will identify 
any subsequent changes to my credit line on my periodic billing statements.  
C. Available Credit. After a payment or credit is posted to my Credit Card Account, or 
after Nordstrom Bank learns my payment has been dishonored and attempts to 
resubmit my payment, it may take up to 21 days before my total available credit is 
restored in an amount equivalent to the payment or credit amount. For example, if I pay 
my account balance in full, it may take up to 21 days after my payment is made before 
that payment is considered in determining the amount I can borrow on my account.  
8. APPLICATION OF PAYMENTS. Unless otherwise required by applicable law, 
Nordstrom Bank will apply payments up to the Minimum Payment Due, to amounts 
owing on my Credit Card Account in the following order: interest charges, fees, old cash 
advances, old purchases (when applicable, to Purchase Balance Categories with higher 
Standard ANNUAL PERCENTAGE RATES first), new cash advances, and new 
purchases (when applicable, to Purchase Balance Categories with higher Standard 
ANNUAL PERCENTAGE RATES first). Nordstrom Bank will apply payments in excess 

of the Minimum Payment Due to amounts owing on my Credit Card Account in a 
manner specified by federal law.  
9. DEFAULT. Subject to applicable law, Nordstrom Bank may, at its option, declare me 
to be in default if I fail to comply with any provision of this Agreement, including failing to 
make a required payment when due or exceeding my Credit Card Account credit limit, 
or if I file for bankruptcy or am otherwise insolvent, or if Nordstrom Bank determines, in 
its sole discretion, that the prospect of payment on my Credit Card Account has become 
significantly impaired. If I am in default, (a) unless otherwise prohibited by applicable 
law, Nordstrom Bank may require that I pay the entire balance on my account 
immediately, at any time, even though Nordstrom Bank did not require me to pay the 
entire balance on any previous occasion when I was in default, and (b) I will pay all 
collection costs, including reasonable attorneys' fees and legal costs, if Nordstrom Bank 
refers my Credit Card Account for collection to an attorney other than a salaried 
employee of Nordstrom Bank or the holder of the account, to the extent not prohibited 
by applicable law. Balances in default on my Credit Card Account may be set-off 
against any credit balances on any of my other Nordstrom Bank Credit Card Account(s).  
10. CURRENCY CONVERSION RATE. If a charge or cash advance made outside of 
the U.S. is converted into U.S. dollars, Visa will select either (1) a rate from the range of 
rates available in wholesale currency markets for the applicable central processing date, 
which rate may vary from the rate Visa itself receives, or (2) a government-mandated 
rate in effect for the applicable central processing date.  
STATE SPECIFIC INFORMATION: 
California Residents: If you are married, you may apply for credit in your own name. 
Maine Residents: We may obtain a consumer report in connection with your 
application for credit. You may ask whether a consumer report was obtained by us, and 
we will tell you the name and address of the consumer reporting agency, if a report was 
obtained. 
New Hampshire Residents: I understand that reasonable attorneys' fees will be 
awarded to me if I prevail in any action or suit brought by Nordstrom Bank. Also, if I 
successfully assert a partial defense or counterclaim to an action brought by Nordstrom 
Bank, the court may withhold from Nordstrom Bank the entire amount or such portion of 
the attorneys' fees as the court considers equitable. 
New York Residents: You may contact the New York state banking department (1-
877-226-5697 or http://www.dfs.ny.gov) to obtain a comparative listing of credit card 
rates, fees and grace periods. 
Ohio Residents: The Ohio laws against discrimination require that all creditors make 
credit equally available to all creditworthy customers and that credit reporting agencies 
maintain separate credit histories on each individual upon request. The Ohio Civil 
Rights Commission administers compliance with this law. 
Wisconsin Residents: No provision of a marital property agreement, a unilateral 
statement under section 766.59 Wis. Stats, or a court decree under section 766.70 Wis. 
Stats. adversely affects the interest of the creditor unless the creditor, prior to the time 
credit is granted, is furnished a copy of the agreement, statement or decree or has 
actual knowledge of the adverse provision when the obligation to the creditor is 
incurred. Married Wisconsin residents must furnish their account number and spouse’s 
name and address to Nordstrom Bank at PO Box 13589, Scottsdale, AZ 85267.  

PART III — NORDSTROM DEBIT CARD 

1. ELECTRONIC FUNDS TRANSFER TYPES AND LIMITATIONS 
A. Electronic Funds Transfers Generally. Whenever I use (or allow someone else to 
use) my Nordstrom debit card, I authorize Nordstrom Bank to initiate an electronic funds 
transfer for the full amount of the transaction, and any related fees (see Part III, 
paragraph 3, below) I may owe to Nordstrom Bank in connection with my use of the 
Nordstrom debit card (hereinafter, a "Nordstrom debit card EFT"), from my designated 
deposit account at another financial institution ("my Deposit Account"). I represent and 
warrant to Nordstrom Bank that I am an owner of my Deposit Account and I am 
authorized to make withdrawals from my Deposit Account. I understand and agree that 
Nordstrom Bank may aggregate multiple transactions into a single Nordstrom debit card 
EFT from my Deposit Account and such Nordstrom debit card EFT may occur several 
business days after my transaction(s) has occurred, and after the date shown on my 
transaction receipt(s) (if applicable). I acknowledge and agree that I shall not use my 
Nordstrom debit card to make purchases pursuant to this Agreement for amounts in 
excess of available funds I have in my Deposit Account, including, as applicable, any 
available overdraft line of credit I may have in connection with my Deposit Account as of 
the date the financial institution holding my Deposit Account receives and processes the 
Nordstrom debit card EFT request from Nordstrom Bank.  

Nordstrom Bank may resubmit a Nordstrom debit card EFT request one or more times, 
at Nordstrom Bank's option and in Nordstrom Bank's sole discretion, if the financial 
institution holding my Deposit Account has not sent funds equal to the total previously 
requested Nordstrom debit card EFT amount.  

B. Point of Sale (POS) Purchases. I may only use my Nordstrom debit card to pay for 
goods and services at participating Nordstrom and Nordstrom-affiliated retail stores in 
the United States, in person, by telephone, or at Nordstrom websites. If I make an 
exchange of an item previously purchased through my Nordstrom debit card for another 
item, and the purchase price of the new item is less than that of the item exchanged, my 
Deposit Account will be credited only for the difference in the purchases prices. If the 
purchase price of the item is more than that of the item exchanged, Nordstrom Bank will 
initiate a Nordstrom debit card EFT for the difference in the purchase prices. I may be 
required to present my Nordstrom debit card if I wish to use it to pay for goods or 
services in person. At Nordstrom's discretion, I may be allowed to make POS purchases 
without presenting my debit card by providing other information acceptable to 
Nordstrom. If I wish to use my Nordstrom debit card in connection with a telephone or 
Nordstrom website purchase, I may be required to provide a security code or personal 
identification number, in addition to the number printed on the back of my Nordstrom 
debit card, and/or other personal identifying information.  
C. Purchase Limitations. When I use my Nordstrom debit card, I will be limited by the 
amount of funds in my Deposit Account and any available overdraft line of credit that I 
may have in connection with my Deposit Account (if applicable), as of the date the 
financial institution holding my Deposit Account receives and processes a Nordstrom 
debit card EFT request. (See also subparagraph (D) below for additional transaction 
limitations.)  

D. Other Transaction Limitations. For security reasons, and to reduce the risk of 
fraud, Nordstrom Bank may limit the number of times I may use my Nordstrom debit 
card, and the total dollar amount of purchases that I may make with my Nordstrom debit 
card, during any business day and/or during any 24-hour time period. For example, 
Nordstrom Bank may limit the total dollar amount of purchases I may make with my 
Nordstrom debit card to $300 a day (or any higher or lower dollar amount determined by 
Nordstrom Bank). For security and anti-fraud reasons, I understand and agree that the 
exact dollar limit on (and the limit on the number of) Nordstrom debit card EFTs in any 
24-hour time period or during any business day may change from time to time without 
any notice to me. I understand and agree that the daily dollar limit on my Nordstrom 
debit card may be less than the dollar amount of available funds in my Deposit Account. 
I cannot use my Nordstrom debit card at an automated teller machine (ATM) or at non-
participating retail stores or anywhere outside the United States.  

I cannot use my Nordstrom debit card to obtain cash back in connection with a 
Nordstrom debit card purchase transaction. I cannot use my Nordstrom debit card to 
authorize recurring preauthorized payments from my Deposit Account.  

2. UNPAID NORDSTROM DEBIT CARD EFTS. The financial institution holding my 
Deposit Account may return as unpaid a Nordstrom debit card EFT if, for example, my 
Deposit Account does not have sufficient available funds in it to cover the full amount of 
the Nordstrom debit card EFT, or my Deposit Account is closed, or for other reasons. 
Additionally, if I receive a credit to my Deposit Account from Nordstrom Bank due to a 
suspected Nordstrom debit card EFT error, and Nordstrom Bank later determines there 
was no error, Nordstrom Bank may deem such Nordstrom debit card EFT as unpaid. In 
the event a Nordstrom debit card EFT is returned and/or deemed unpaid, such funds 
owed to Nordstrom Bank will become immediately due and payable to Nordstrom Bank. 
I agree to pay in US dollars the full amount of the unpaid Nordstrom debit card EFT, and 
any applicable Returned Payment Fees, described in Part III, paragraph 3 below, 
(collectively, the "Total Now Due"). I further acknowledge and agree that Nordstrom 
Bank may suspend my use of my Nordstrom debit card until Nordstrom Bank receives 
payment in full of the Total Now Due.  
3. NORDSTROM DEBIT CARD FEES 
A. Returned Payment Fee. Nordstrom Bank may charge me and I agree to pay a $25 
Returned Payment Fee, or the amount allowed by applicable law, if a Nordstrom debit 
card EFT is returned unpaid for any reason by the financial institution holding my 
Deposit Account. I authorize Nordstrom Bank to initiate an electronic fund transfer for 
such Returned Payment Fee from my Deposit Account automatically, after Nordstrom 
Bank receives notice of an unpaid Nordstrom debit card EFT. Nordstrom Bank may 
charge me and I agree to pay a $25 Returned Payment Fee, or the amount allowed by 
applicable law, if any payment to Nordstrom Bank for amounts I owe in connection with 
my Nordstrom debit card (such as a check, draft or similar instrument) is uncollectible or 
is dishonored for any reason. Nordstrom Bank may assess this fee the first time any 
one of my payment(s) is not honored or paid, even if such payment is later paid 
following resubmission. Nordstrom Bank does not have to attempt to collect any 
payment more than once.  

B. Other Fees. When I complete a Nordstrom debit card POS purchase, I may be 
charged a fee by the financial institution holding my Deposit Account. The financial 
institution holding my Deposit Account will retain this fee.  
4. NORDSTROM DEBIT CARD RECEIPTS, STATEMENTS AND TRANSACTIONAL 
QUESTIONS 
A. Receipts. I will receive a receipt at the time I make any POS purchase in-person with 
my Nordstrom debit card. I may not receive receipts in connection with telephone or 
Nordstrom website purchases made with my Nordstrom debit card.  
B. Transaction Questions ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH 
MY NORDSTROM DEBIT CARD MUST BE DIRECTED TO NORDSTROM BANK, AND 
NOT TO THE FINANCIAL INSTITUTION HOLDING MY DEPOSIT ACCOUNT. 
Nordstrom Bank is responsible for the Nordstrom debit card and for resolving any errors 
in transactions made with the Nordstrom debit card. Nordstrom Bank will not send me a 
periodic statement listing transactions that I make using my Nordstrom debit card. The 
transactions will appear only on the statement issued by the financial institution holding 
my Deposit Account. I WILL SAVE THE RECEIPTS I AM GIVEN WHEN I USE MY 
NORDSTROM DEBIT CARD, AND CHECK THEM AGAINST THE ACCOUNT 
STATEMENT I RECEIVE FROM MY FINANCIAL INSTITUTION. If I have any questions 
about one of these transactions, I will call or write Nordstrom Bank as described more 
fully in Part III, paragraph 5, below and Part IV, Nordstrom Debit Card Error Resolution 
Notice. Nordstrom Bank offers electronic statements, and I may visit nordstromcard.com 
to more about the availability of electronic statements.  
5. UNAUTHORIZED NORDSTROM DEBIT CARD EFTS AND LOST OR STOLEN 
NORDSTROM DEBIT CARDS 
A. Consumer Liability. I will tell Nordstrom Bank AT ONCE if I believe my Nordstrom 
debit card or Nordstrom debit card number or security code or personal identification 
number (if applicable) has been lost or stolen. Telephoning Nordstrom Bank is the best 
way of keeping my possible losses down. I could lose all the money in my Deposit 
Account (plus, if applicable, my maximum overdraft line of credit) that can be accessed 
by the Nordstrom debit card. If I tell Nordstrom Bank within 4 (four) business days, I can 
lose no more than $50 if someone used my Nordstrom debit card or Nordstrom debit 
card number or security code or personal identification number (if applicable) without 
my permission. If I do NOT tell Nordstrom Bank within 4 (four) business days after I 
learn of the loss or theft of my Nordstrom debit card, or Nordstrom debit card number or 
security code or personal identification number (if applicable), and Nordstrom Bank can 
prove that Nordstrom Bank could have stopped someone from using my Nordstrom 
debit card or Nordstrom debit card number without my permission if I had told 
Nordstrom Bank, I could lose as much as $500.  

Also, if I receive a statement from the financial institution holding my Deposit Account 
that shows Nordstrom debit card EFTs that I did not make, I must tell Nordstrom Bank 
at once. If I do not tell Nordstrom Bank within 90 days after the financial institution 
mailed the statement, I may not get back any money I lost after the 90 days if 
Nordstrom Bank can prove that Nordstrom Bank could have stopped someone from 
taking the money if I had told Nordstrom Bank in time. If a good reason (such as a long 
trip or a hospital stay) kept me from telling Nordstrom Bank, Nordstrom Bank will extend 
the time periods.  

B. Contact In Event Of Unauthorized Transfer. If I believe my Nordstrom debit card 
and/or security code or personal identification number (if applicable) has been lost or 
stolen or that someone has used or may use my Nordstrom debit card without my 
permission, call Nordstrom Bank toll free at 1.866.445.0426, or write: Nordstrom Bank, 
P.O. Box 13589, Scottsdale, AZ 85267.  
6. DEFAULT. Nordstrom Bank may, at its option, declare me to be in default if I fail to 
comply with any provision of this Agreement, including without limitation if Nordstrom 
Bank receives notice of an unpaid Nordstrom debit card EFT, or if I file for bankruptcy or 
am otherwise insolvent, or if Nordstrom Bank determines, in its sole discretion, that the 
prospect of payment of what I owe in connection with my Nordstrom debit card has 
become significantly impaired.  

If I am in default, (a) Nordstrom Bank may terminate my Nordstrom debit card and my 
ability to use my Nordstrom debit card, and require that I pay the entire amount I owe in 
connection with my Nordstrom debit card in full, immediately, at any time and without 
notice (subject to any restrictions under applicable law), even though Nordstrom Bank 
did not require me to pay the entire amount I owe on any previous occasion when I was 
in default, and (b) I will pay all collection costs, including reasonable attorneys' fees and 
court costs, if Nordstrom Bank refers what I owe in connection with my Nordstrom debit 
card for collection to an attorney other than a salaried employee of Nordstrom Bank or 
the holder of the Nordstrom debit card, to the extent not prohibited by applicable law. 
Any past due amounts I owe in connection with my Nordstrom debit card may be set-off 
against any credit balances on any of my other Nordstrom Bank Credit Card Account(s).  

7. APPLICATION OF PAYMENTS. Unless otherwise required by applicable law, 
Nordstrom Bank will apply my Nordstrom debit card EFT or other forms of payment in 
the following order: Returned Payment Fees, old Nordstrom debit card purchases; and 
new Nordstrom debit card purchases.  
8. BUSINESS DAYS. For purposes of this Part III and Part IV Nordstrom debit card 
Error Resolution Notice, Nordstrom Bank's "Business Days" are Monday through Friday, 
excluding Saturdays, Sundays, and federal holidays.  
9. NORDSTROM BANK'S LIABILITY. If Nordstrom Bank does not process a 
Nordstrom debit card EFT from my Deposit Account in a timely manner or in the correct 
amount according to this Agreement, Nordstrom Bank will be liable for my losses or 
damages. However, there are some exceptions. Nordstrom Bank will not be liable, for 
instance:  

If, through no fault of Nordstrom Bank, I do not have enough money in my 
Deposit Account to cover the Nordstrom debit card EFT on the date the financial 
institution holding my Deposit Account receives and processes the Nordstrom 
debit card EFT; or, 
If I have an overdraft line of credit associated with my Deposit Account, and the 
Nordstrom debit card EFT would go over the credit limit; or, 
If the POS terminal or system used to process Nordstrom debit card EFTs was 
not working properly and I knew about the breakdown when I started the 
Nordstrom debit card purchase transaction; or, 

 
 
 
If circumstances beyond Nordstrom Bank's control (such as fire, flood, or power 
failure) prevent the processing of the Nordstrom debit card EFT, despite 
reasonable precautions that Nordstrom Bank has taken; or, 

  There may be other exceptions stated in this Agreement. 

10. CONFIDENTIALITY. Nordstrom Bank will disclose information to third parties about 
my Deposit Account or the Nordstrom debit card EFTs I make:  

  Where it is necessary for completing Nordstrom debit card EFTs; or, 

In order to verify the existence and condition of my Deposit Account or 
Nordstrom debit card for a third party, such as a credit bureau or merchant; or, 
In order to comply with government agency or court orders; or, 
If I give Nordstrom Bank written permission; or, 

  As otherwise provided in Nordstrom Bank's Privacy Notice. 

I agree to Nordstrom Bank's collection, use, and sharing of information about my 
Nordstrom debit card EFTs as provided in Nordstrom Bank's Privacy Notice, which I will 
receive with my Nordstrom debit card.  

Christopher E. Owen, President 
Nordstrom Bank 
PO Box 13589 
Scottsdale, AZ 85267  

PART IV — CONSUMER DISCLOSURE STATEMENTS  

CREDIT CARD ACCOUNTS  

BILLING RIGHTS NOTICE — KEEP THIS NOTICE FOR FUTURE USE. This notice 
contains important information 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 was an error on your statement, write to us at:  
Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267.  

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 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 the 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.  

 
 
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD 
PURCHASES  

If you are dissatisfied with the goods or services that you 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.  

For Visa Credit Card Accounts, 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 is 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 purchases.  

If all of the criteria above are met and you are still dissatisfied with the purchase, contact 
us in writing at: 
Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267  

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.  

NORDSTROM DEBIT CARD  

ERROR RESOLUTION NOTICE  

In Case of Errors or Questions about Nordstrom debit card EFTs: 
Telephone Nordstrom Bank toll free at 1.866.445.0426 or write Nordstrom Bank at:  
Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267 
as soon as you can, if you think your Nordstrom debit card statement or Nordstrom 
debit card receipt is wrong, or if you need more information about a Nordstrom debit 
card EFT listed on the statement or receipt. We must hear from you no later than 90 
days after the FIRST deposit account statement from the financial institution holding 
your deposit account on which the problem or error appeared.  

(1) Tell us your name and Nordstrom debit card number. 
(2) Describe the error or the Nordstrom debit card EFT you are unsure about, and 
explain as clearly as you can why you believe it is an error or why you need more 
information. 
(3) Tell us the dollar amount of the suspected error.  

If you tell us orally, we may require that you send us your complaint or question in 
writing within 10 business days. We will determine whether an error occurred within 10 
business days after we hear from you, and will correct any error promptly. If we need 

more time, however, we may take up to 45 days to investigate your complaint or 
question. If we decide to do this, we will credit your Deposit Account within 10 business 
days for the amount you think is in error, so that you will have the use of the money 
during the time it takes us to complete our investigation. If we ask you to put your 
complaint or question in writing and we do not receive it within 10 business days, we 
may not credit your Deposit Account.  

For errors involving POS transactions, we may take up to 90 days to investigate your 
complaint or question. We will tell you the results within three business days after 
completing our investigation. If we decide that there was no error, we will send you a 
written explanation. You may ask for copies of the documents that we used in our 
investigation.  

PART V 
NORDSTROM REWARDS™ TERMS AND CONDITIONS  

For purposes of these Terms and Conditions, the phrase "net purchases" means 
purchases less returns. By participating in the Nordstrom Rewards program (also known 
as Nordstrom Fashion Rewards®), you agree to be bound by these Terms and 
Conditions. These Terms and Conditions are in addition to your Nordstrom Bank 
Cardholder Agreement; Consumer Disclosures.  

General Terms & Conditions  

We reserve the right to amend or modify these Terms and Conditions or the Nordstrom 
Rewards program at any time and in any way (including, our right to discontinue 
benefits or expire points, as explained more fully below, to change the benefits, or to 
adjust the number of points earned for each dollar in net purchases). We will give you 
notice if we discontinue this program or any material aspect of this program. Nordstrom 
Notes® may not be redeemed for international online orders. Nordstrom Notes may not 
be used as payment on your Nordstrom account. Value of Nordstrom Notes will be 
applied against total purchase price, including applicable taxes and fees.  

Nordstrom Bank reserves the right to cancel your participation in Nordstrom Rewards, in 
the event of fraud, abuse of rewards privileges, or violation of these Terms and 
Conditions.  

You are responsible for any tax liability related to your participation in and/or your 
purchase of any of the benefits associated with the Nordstrom Rewards program.  

These Terms and Conditions shall be construed and interpreted under the laws of the 
state of Arizona, without regard to any Arizona conflicts of law provisions.  

Many of the benefits associated with the Nordstrom Rewards program are offered 
exclusively through Nordstrom Bank or its parent company, Nordstrom, Inc. In many 
cases, Nordstrom, Inc. and/or Nordstrom Bank have contracted with independent 
contractors to administer these benefits, including, but not limited to the issuance of 
travel documentation, administrative services, and travel reservations. Nordstrom, Inc. 
and Nordstrom Bank do not own or control the independent contractors used to 
administer these benefits and Nordstrom, Inc., Nordstrom Bank or the independent 
contractors and their respective affiliates and subsidiaries do not maintain control over 

the independent suppliers used to provide accommodations and/or services as part of 
fulfilling these benefits. Nordstrom, Inc., Nordstrom Bank and its independent 
contractors do not assume responsibility in connection with any travel or other services 
provided by any independent supplier. You hereby release Nordstrom, Inc., Nordstrom 
Bank, its independent contractors, and/or any of their affiliates and subsidiaries from 
any responsibility and/or liability for any loss, injury, damage, accident, delay, 
inconvenience, or irregularity that any person may suffer due to any cause whatsoever 
relating to, arising out of or in connection with the Nordstrom Rewards program or the 
use of any facilities, services or goods in connection with any travel or other service 
provided by any independent supplier.  

In order to access certain benefits associated with Nordstrom Rewards, you understand 
and agree that you may be asked to provide personal information about yourself, such 
as your shipping address, credit card information, and billing address, and that the 
information you provide will be disclosed to merchants and other third parties as 
necessary to complete your transaction. Nordstrom, Inc., Nordstrom Bank and its 
independent contractors have no control over, and no responsibility or liability for, the 
use by any merchants or other third parties of personal information or any other 
information that such parties independently acquire from you or that is given to such 
parties to process your transactions or fulfill your benefits.  

Who is eligible? 
When we approve your Nordstrom Credit Card or Nordstrom debit card, you are 
automatically enrolled in Level 1 of the Nordstrom Rewards program and will receive 
rewards points for net purchases made with your Nordstrom Credit Card or Nordstrom 
debit card. Your eligibility for Levels 2, 3, and 4 of Nordstrom Rewards will be reviewed 
quarterly and will be based on your net purchases made using your Nordstrom Credit 
Card or Nordstrom debit card in Nordstrom retail locations and sites, including 
Nordstrom full-line stores, Nordstrom Rack, nordstrom.com, nordstromrack.com, and 
through Nordstrom catalogs (“net purchases at Nordstrom”). Level 2 requires an annual 
minimum of $2,000 in net purchases at Nordstrom; Level 3 requires an annual minimum 
of $5,000 in net purchases at Nordstrom; and Level 4 requires an annual minimum of 
$10,000 in net purchases at Nordstrom. Once you reach the qualifying net purchases at 
Nordstrom for Levels 2, 3, or 4, your benefits at each level include the category of 
benefits associated with the preceding level(s) of the Nordstrom Rewards program. You 
remain eligible to receive rewards points and the benefits associated with Level 1, 2, 3, 
or 4 (subject to the qualifying net purchases at Nordstrom stated above) as long as your 
Nordstrom account remains open and Nordstrom Bank has not revoked your charging 
or purchasing privileges. Nordstrom employees and Nordstrom purchases receiving an 
employee discount will earn rewards points for net purchases with a Nordstrom Credit 
Card or Nordstrom debit card, but will not be eligible for any other benefits associated 
with Levels 1, 2, 3, and 4.  
How do Rewards points accrue? 
You will receive two rewards points for every dollar in net purchases at Nordstrom made 
using your Nordstrom Credit Card or Nordstrom debit card. Visa credit cardholders will 
also receive one rewards point for every dollar in net purchases made with your 
Nordstrom Visa card every where Visa credit cards are accepted. For international 

orders placed on nordstrom.com, Visa credit cardholders will receive one rewards point 
for every dollar in net purchases.  
How are Rewards points and/or benefits redeemed? 
You will receive a $20 Nordstrom Note for every 2,000 rewards points. Rewards points 
are updated monthly and Nordstrom Notes are generated a short-time thereafter.  

You will receive notice that you have reached Nordstrom Rewards Levels 2, 3, or 4 after 
you have achieved the qualifying dollars in net purchases at Nordstrom. At that time, 
you will also receive information about the then current list of benefits associated with 
your Level and how to redeem those benefits. You may also receive additional 
information about more benefits from time to time.  

Some benefits may have restrictions associated with them, may require you to purchase 
the benefit, may have limited available quantities, may only be available while supplies 
last, and/or may be subject to other restrictions. We will explain applicable restrictions to 
you when you receive information about the benefit.  

The alterations benefit requires that you use your Nordstrom Credit Card or Nordstrom 
debit card to purchase the item associated with the alteration, and further requires you 
to charge the alteration fee to your Nordstrom Credit Card or Nordstrom debit card. You 
will then receive a Nordstrom Note for the total value of your alteration charges on a 
monthly basis up to the maximum amount of alterations allowed at your current level of 
Rewards. The alterations benefit is not cumulative as you progress through the 
Rewards levels. This means, for example, if you are at a level where the total alterations 
benefit is $100 and you have used $100, when you progress to a level that provides for 
$300, you will have $200 left to use. The alterations benefit is not available for 
international online orders.  

When are Rewards points and/or benefits forfeited? 
You will forfeit all accumulated and unused rewards points if you fail to pay two or more 
consecutive minimum payments due on your Nordstrom account or if a Nordstrom debit 
card EFT is returned unpaid for any reason from your bank. You will forfeit all access to 
all of the benefits associated with Levels 1, 2, 3, and 4 of Nordstrom Rewards when 
your Nordstrom Credit Card or Nordstrom debit card is closed and/or you fail to pay two 
or more consecutive minimum payments due on your Nordstrom account or if a 
Nordstrom debit card EFT is returned unpaid for any reason from your bank.  
When do Rewards points and/or benefits expire? 
Rewards points earned but not yet used to issue you a Nordstrom Note shall expire 
three (3) years from the last day of the year in which the points were earned, or when 
your account is closed.  
Personal Triple Points Days 
The Personal Triple Points Day benefit allows you to select a day to earn triple rewards 
points on all the net purchases made with a Nordstrom card at Nordstrom stores, 
Nordstrom.com, and Nordstrom Rack. As you progress to different Rewards levels, you 
will receive the level total of Personal Triple Points Days and not the cumulative total of 
Personal Triple Points Days. This means, for example, if your Personal Triple Points 
benefit is one (1) day, and you progress to a level that provides for three (3) days, and 
you already used one (1) day, you will have two (2) days left. Triple Points do not apply 

to Last Chance, HauteLook, nordstromrack.com, Louis Vuitton purchases, international 
orders or other rewards. Louis Vuitton purchases will receive double points in lieu of 
triple points. Points capped at 10 points per net dollar.  
Extraordinary Experiences [Level 3 and Level 4 members only] 
The purchase price of any Extraordinary Experience is exclusive of taxes and fees; 
additional surcharges and handling fees may apply to individual components of each 
Extraordinary Experience. Unless otherwise stated, packages do not include airfare, 
lodging accommodations, transportation, or parking. All incidentals incurred during the 
Extraordinary Experience are the responsibility of the guest. A detailed itinerary will be 
provided to Rewards members who purchase an Extraordinary Experience. Once any 
tickets that are part of an Extraordinary Experience have been issued to a member, 
Nordstrom is not responsible for the theft, loss, delay, destruction, or misplacement of 
any tickets mailed, express delivered, left at will-call, hotel front desks, and concierge 
desks. Unless otherwise stated, Extraordinary Experiences must be cancelled no later 
than thirty (30) days prior to scheduled arrival date in order to receive a full refund, with 
the exception of theater tickets, which are non-refundable once booked. Extraordinary 
Experiences and individual components of the Extraordinary Experiences are non-
transferable. You must be a Nordstrom Rewards member to purchase an Extraordinary 
Experience, and you must purchase and conclude your trip by the date specified or end 
of the current calendar year if no date restrictions are stated. A Nordstrom Rewards 
member must be at least 21 years of age to purchase any Extraordinary Experience, 
and minors participating in an Extraordinary Experience must be accompanied by a 
parent or guardian who is a Nordstrom Rewards member. You remain eligible to 
purchase the specified benefit as long as your Nordstrom account is open and 
Nordstrom Bank has not revoked your charging or purchasing privileges.  
VIP Access to In-Store Events [Level 4 members only] 
Level 4 members will receive VIP access to exclusive shopping experiences or events 
at selected Nordstrom stores. Exclusive shopping experiences and events are not 
predetermined and are developed throughout the Rewards benefit year at the sole 
discretion of Nordstrom. Participation in an exclusive shopping experience or event is 
not guaranteed due to limited dates, times, and locations. VIP access to an exclusive 
shopping experience or event may have other limitations and/or be subject to other 
restrictions. Complete details for exclusive shopping experiences and events will be 
sent to eligible members prior to the experience or event in an invitation or other 
communication. VIP Access has no cash value and is non-transferrable. You remain 
eligible to participate in this benefit as long as your Nordstrom account is open and 
Nordstrom Bank has not revoked your charging or purchasing privileges. If your 
Nordstrom account is closed and/or your charging or purchasing privileges have been 
revoked as of the day of an experience or event, your VIP Access will be cancelled.  

Arbitration 
Please read this arbitration provision carefully. Unless you send us the rejection 
notice described in this document, this provision will apply to you and, as a 
result, either one of us can elect to subject any Rewards Dispute between us to 
individual arbitration. This means that: (1) a court or jury will not resolve the 
Rewards Dispute; (2) you will not be able to participate in a class action or similar 

proceeding to resolve the Rewards Dispute; and (3) your appeal rights during and 
after arbitration will be limited.  

As used in this arbitration provision, a "Rewards Dispute" means any claim or 
controversy between us that in any way arises from or relates to the Nordstrom 
Rewards program, including, but not limited to, the Nordstrom Rewards Terms and 
Conditions, the issuance or redemption of Nordstrom Notes, Nordstrom Rewards points, 
other services and events access. Rewards Dispute has the broadest possible 
meaning, and includes, without limitation, disputes based upon contract, tort, consumer 
rights, fraud and other intentional torts, agency, statute or constitution, regulation, 
ordinance, common law and equity (including any claim for injunctive or declaratory 
relief). Rewards Dispute includes claims, counterclaims, cross-claims, and third-party 
claims, and it includes disputes in the past, present, or future. It also includes disputes 
about the validity, enforceability or scope of this arbitration provision. Rewards Dispute 
does not include any dispute arising out of the terms and conditions of your credit card, 
debit card, or check card agreement with Nordstrom Bank, such as the collection of any 
balance on your account.  

If one of us elects to arbitrate a Rewards Dispute, it will be resolved by mandatory 
binding arbitration. The electing party must notify the other party in writing. To make an 
election to arbitrate, you must send a written notice to Nordstrom Bank, P.O. Box 
13579, Scottsdale, AZ 85267; ATTN: ARBITRATION DEMAND or we must send a 
written notice to you at the most current address we have on file for you. This notice can 
be given at any time before or after the beginning of a lawsuit by either party and may 
be included in papers filed in the lawsuit. The party seeking arbitration must select as 
the arbitration administrator either the American Arbitration Association ("AAA"), 1633 
Broadway, 10th Floor, New York, NY 10019, adr.org, 1.800.778.7879, or JAMS, 620 
Eighth Avenue, 34th Floor, New York, NY 10018, jamsadr.com, 1.800.352.5267. You 
can contact the AAA or JAMS to find out more information on how to commence an 
arbitration proceeding.  

The arbitrator(s) will be appointed in accordance with the procedures of the arbitration 
administrator, and must be a lawyer with at least ten years of legal experience. The 
arbitration will take place in the federal judicial district where you reside and either one 
of us may elect to appear by telephone. We will pay the arbitration filing fee and 
consider requests to advance additional costs and fees on your behalf. If you receive a 
favorable award from the arbitration proceeding, we will reimburse you for the 
reasonable costs and fees of arbitration (but this does not include fees of attorneys, 
experts or consultants, unless applicable law provides you a right to recover those 
fees).  

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A CLASS 
ACTION, REPRESENTATIVE ACTION OR SIMILAR PROCEEDING IN COURT OR 
ARBITRATION. YOU ALSO AGREE NOT TO BRING A REWARDS DISPUTE 
AGAINST US ON BEHALF OF ANY OTHER PERSON, AND YOU AGREE THAT NO 
OTHER PERSON MAY BRING A REWARDS DISPUTE AGAINST US ON YOUR 
BEHALF. YOU MAY NOT JOIN A REWARDS DISPUTE IN A SINGLE ARBITRATION 
WITH A REWARDS DISPUTE OF ANY OTHER PERSON. IF YOU TRY TO ASSERT 

ANY REWARDS DISPUTES IN A CLASS ACTION OR SIMILAR PROCEEDING, WE 
CAN REQUIRE THAT IT BE RESOLVED IN INDIVIDUAL (NON-CLASS) 
ARBITRATION. THIS PARAGRAPH IS REFERRED TO AS THE "CLASS ACTION 
PARAGRAPH."  

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A PRIVATE 
ATTORNEY GENERAL ACTION IN COURT OR ARBITRATION.  

If you do not want this arbitration provision to apply, you must reject it in writing by 
mailing us a written rejection notice containing your name legibly printed, the last four 
digits of your Nordstrom card number, a statement that you reject the arbitration 
provision, and your signature. The rejection notice must be sent by you to us at 
Nordstrom Bank, P.O. Box 13579, Scottsdale, AZ 85267. Your rejection notice is 
effective only if it meets the above requirements, is signed by you and we receive it 
within sixty (60) calendar days after the date we first provide you with the Nordstrom 
Rewards Terms and Conditions containing the arbitration provision. Subsequent 
republications or delivery of the Nordstrom Rewards Terms and Conditions will not 
trigger another right to reject the arbitration provision. Your rejection of this arbitration 
provision will not affect any other provision of the Nordstrom Rewards Terms and 
Conditions.  

This arbitration provision is governed by the Federal Arbitration Act (the "FAA"). The 
arbitrator(s) must follow: (1) the FAA; (2) all other applicable substantive law (except 
when contradicted by the FAA); (3) any applicable statute of limitations; and (4) rules as 
to valid claims of privilege. Further, the arbitrator(s) shall issue a written decision 
including the reasons for the award upon either party's request. The decision of the 
arbitrator(s) will be final and binding, except for any appeal right under the FAA.  

This arbitration provision will survive the termination of the Nordstrom Rewards Terms 
and Conditions or your relationship with us. If any part of this arbitration provision is 
found to be void or unenforceable under applicable law, all other parts of this arbitration 
provision and of the Nordstrom Rewards Terms and Conditions will still apply; except 
that if the Class Action Paragraph is found to be void or unenforceable in any way, this 
entire arbitration provision shall be deemed void and shall not apply, but all other parts 
of the Nordstrom Rewards Terms and Conditions will still apply.  

CUSTOMER SERVICE: 1.800.964.1800. 
For customer service inquiries and assistance. 
Available seven days a week, 24 hours a day. 
TTY Service for the deaf and hard of hearing: 1.800.934.3898  

We appreciate your business.  

01/14  

PRICING ADDENDUM 
FOR NORDSTROM VISA AND NORDSTROM CREDIT CARD ACCOUNTS 
EFFECTIVE January 15, 2014  

INTEREST RATES AND INTEREST CHARGES  

Annual 
Percentage 
Rate (APR) for 
Nordstrom 
Purchases 

Tier I 

Tier II 

Tier III 

Tier IV 

10.90% 

14.90% 

18.90% 

22.90% 

Your APR will be assigned when you open your account, based on 
your creditworthiness. After that, your APR will vary with the market 
based on the Prime Rate. The APR assigned to your account for 
Nordstrom Purchases will be printed on the temporary card you 
receive when you open your account. 

APR for Non-
Nordstrom 
Purchases and 
Cash Advances 

Tier I 

Tier II 

Tier III 

Tier IV 

14.90% 

18.90% 

22.90% 

22.90% 

Your APR will be assigned when you open your account, based on 
your creditworthiness. After that, your APR will vary with the market 
based on the Prime Rate. The APR assigned to your account for 
Non-Nordstrom Purchases and Cash Advances will be printed on 
the reverse of the card carrier letter you will receive with your credit 
card. 

Penalty APR 
and When It 
Applies 

Variable Rate 
Information 

27.90% 

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

This APR may be applied to your account if your minimum payment 
is not received within 60 days of your due date. 

How Long Will the Penalty APR Apply?: If your APRs are 
increased for this reason, the Penalty APR will apply until you make 
six consecutive minimum payments when due, starting with your 
first payment due after your APR is increased. 

The ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) for a 
Balance Category may vary from billing cycle to billing cycle if the 
Prime Rate for a billing cycle changes. The "Prime Rate" is the 
highest prime rate published in the "Money Rates" section of The 
Wall Street Journal print edition on the 15th day of a month, or the 
next business day if the 15th is not a business day. The Prime Rate 
for a billing cycle is the Prime Rate most recently available as of the 
beginning of the billing cycle. 

INTEREST RATES AND INTEREST CHARGES  

Tier I Accounts: The Standard ANNUAL PERCENTAGE RATE for 
Nordstrom Purchases is the Prime Rate plus a Margin of 7.65 
percentage points. As of January 15, 2014, this ANNUAL 
PERCENTAGE RATE was 10.90% (Daily Periodic Rate of 
0.02986%). 
The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom 
Purchases and Cash Advances is the Prime Rate plus a Margin of 
11.65 percentage points. As of January 15, 2014, this ANNUAL 
PERCENTAGE RATE was 14.90% (Daily Periodic Rate of 
0.04082%). 
Tier II Accounts: The Standard ANNUAL PERCENTAGE RATE 
for Nordstrom Purchases is the Prime Rate plus a Margin of 11.65 
percentage points. As of January 15, 2014, this ANNUAL 
PERCENTAGE RATE was 14.90% (Daily Periodic Rate of 
0.04082%). 
The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom 
Purchases and Cash Advances is the Prime Rate plus a Margin of 
15.65 percentage points. As of January 15, 2014, this ANNUAL 
PERCENTAGE RATE was 18.90% (Daily Periodic Rate of 
0.05178%). 
Tier III Accounts: The Standard ANNUAL PERCENTAGE RATE 
for Nordstrom Purchases is the Prime Rate plus a Margin of 15.65 
percentage points. As of January 15, 2014, this ANNUAL 
PERCENTAGE RATE was 18.90% (Daily Periodic Rate of 
0.05178%). 
The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom 
Purchases and Cash Advances is the Prime Rate plus a Margin of 
19.65 percentage points. As of January 15, 2014, this ANNUAL 
PERCENTAGE RATE was 22.90% (Daily Periodic Rate of 
0.06274%). 
Tier IV Accounts: The Standard ANNUAL PERCENTAGE RATE 
for Nordstrom Purchases, Non-Nordstrom Purchases, and Cash 
Advances is the Prime Rate plus a Margin of 19.65 percentage 
points. As of January 15, 2014, this ANNUAL PERCENTAGE 
RATE was 22.90% (Daily Periodic Rate of 0.06274%). 
The Penalty ANNUAL PERCENTAGE RATE is the Prime Rate plus 
a Margin of 24.65 percentage points. The Penalty ANNUAL 
PERCENTAGE RATE is subject to a maximum ANNUAL 
PERCENTAGE RATE of 29.99%. As of January 15, 2014, this 
ANNUAL PERCENTAGE RATE was 27.90% (Daily Periodic Rate 
of 0.07644%). 

INTEREST RATES AND INTEREST CHARGES  

Paying Interest 
Charges 

Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you interest charges 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 
Charges 

FEES 

If you are charged interest charges, the charge will be no less than 
$0.50. 

Annual Fee 

None 

Transaction 
Fees 
Cash Advance 

Penalty Fees 
Late Payment 

Returned 
Payment 

Cash Advance: Either $5 or 3% of the amount of each cash 
advance, whichever is greater 

Late Payment: Up to $35. 
Returned Payment: $25 

How We Will Calculate Your Balance: We use a method called "daily balance". 
Nordstrom Bank figures the interest charge by applying the periodic rate to the "daily 
balance" of my account for each day in the billing cycle. To get the "daily balance" of a 
Balance Category Nordstrom Bank takes the beginning balance of that Balance 
Category each day, adds any new transactions or charges and subtracts any credits or 
payments (or portions thereof) that are applicable to that Balance Category. This gives 
us the daily balance for each Balance Category. Each day's interest charge on a 
Balance Category is added to the daily balance of that Balance Category to get the 
beginning balance for the next day and will be part of the Balance Category on which 
future interest charges are assessed until paid. Late Payment Fees and/or Return 
Payment Fees are pro rated and allocated to the Balance Categories based on the 
balances of my Balance Categories on the day I incurred the Late Payment Fee or 
Return Payment Fees. Miscellaneous fees will be added to my Nordstrom Purchase 
Balance Category on the day I incurred the fee. The total interest for a billing cycle is 
equal to the sum of the daily interest for each day in the billing cycle. Nordstrom Bank 
will round daily interest charge calculations for a Balance Category to the nearest whole 
cent. If I paid in full the New Balance shown on my previous month's billing statement by 
the specified payment Due Date, Nordstrom Bank will consider my daily balance of 
Nordstrom Purchases and Non-Nordstrom Purchases to be zero for each day of the 

 
current month's billing cycle. A credit balance on a Balance Category is considered to 
be zero for purposes of calculating the balance subject to interest charges.