DEPARTMENT STORES NATIONAL BANK AMERICAN EXPRESS® CREDIT CARD AGREEMENT 

AMEXTC0711R 
(AM014) 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Federal Reserve Board 
Fees 
Transaction Fees 
• Cash Advances  
• Foreign Transaction 

Penalty Fees 
• Late Payment 
• Returned Payment 
• Returned Convenience Check 

24.50%  

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

24.50%  

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

For 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 Purchase balance in full by the due date each billing period. 

For Cash Advances, we will begin charging interest on the transaction date. 
If you are charged interest, the charge will be no less than $2. 
To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 

Either $5 or 4% of the amount of each cash advance, whichever is greater. 
3% of the U.S. dollar amount of each purchase made outside the U.S. and its territories, whether or 
not the transaction is in U.S. dollars.* 

Up to $35 
Up to $35 
Up to $35 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new Purchases).” 
*1% of the U.S. dollar amount is paid to American Express as an international transaction charge. 

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

11..   DDeeffiinn iitt iioonnss:: This Department Stores National Bank (“DSNB”) American Express Credit Card Agreement (“Agreement”) is between 
Department  Stores  National  Bank,  701  E  60th  St.  N,  Sioux  Falls,  SD  57104,  (“we,”  “us,”  or  “our”)  and  each  person  who  signs  the 
application or otherwise requests a DSNB American Express Card Account (“you” or “your”). This Agreement contains the terms which 
govern  the  use  of  your  DSNB  American Express  Card (“Card”) and  your DSNB American Express Card Account  (“Account”). Please 
read this Agreement and keep it for future reference. 
22..   PP rroomm iissee   ttoo    PPaayy:: In return for extending credit to you on this Account from time to time, you promise to pay us in U.S. Dollars with 
an instrument drawn on a financial  institution located in the  United States (“payment”) for all purchases of goods and services and all 
cash advances, incurred by you or anyone you authorize to use this Account or Card, according to the terms of this Agreement. 
33..   AAcccceeppttaannccee   oo ff   TThhiiss   AAgg rreeeemmeenn tt:: The use of this Account or Card by you or anyone you authorize means that you accept this 
Agreement and agree to be bound by its terms. 
44..   BBii lllliinngg   SS ttaa tteemmeenntt :: We will send you a monthly billing statement (“Statement”) after each monthly billing period at the end of which 
you have a debit or credit balance of more than $1.00. Your payment is due at the address shown on your Statement on or before the 
Payment Due Date shown on that Statement. 
55..  UUssee   ooff   YYoouurr  AAccccoouunntt   aanndd   tthhee   CCaarrdd :: Your Account and the Card may be used for the following transactions: 
AA..  To  purchase  or  rent  goods  and  services  for  personal,  family  or  household  use  (collectively  referred  to  in  this  Agreement  as 
“Purchases”) from participating establishments that accept the Card. 
BB.. To obtain cash advances from financial institutions, automatic teller machines or others that accept the Card as a substitute for cash, 
or by writing a convenience check/cash advance check that we may provide to you (collectively referred to in this Agreement as “Cash 
Advances”). 
Your Account and Card may not be used for any illegal transactions, which may include gambling in certain states. 
66..   MMiinn iimmuumm   PPaayymmeenntt   DDuuee ::  Each  month,  you  agree  to  pay  at  least  the  Minimum  Payment  Due,  which  is  the  sum  of  a  Monthly 
Minimum  plus  any  amounts  which  exceed  your  credit  limit,  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 is calculated as follows: 

• 

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.  

77..   AAddddiitt iioonnaall    PPaayymmeenn tt   IInnffoo rrmmaa ttiioonn ::  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. 

 
 
 
 
 
 
 
 
 
 
 
88..   HHooww   ttoo   AAvvooiidd   PPaayy iinngg   IInn tteerreess tt   oonn   PPuurrcchhaasseess ::  If  you  make  Purchases  during  a  billing  period  with  no  previous  balance  or 
where the sum of payments and credits  is at  least equal to the Previous Balance, no Interest Charges are added to your account for 
that billing period. If you pay the Total New Balance on that statement by the Payment Due Date, you can avoid Interest Charges for 
those Purchases during the next billing period. However, if you pay less than the full balance, you still avoid Interest Charges on that 
portion of the balance paid. 

If you make a Purchase during a billing period with an unpaid previous balance, we will begin charging interest on the Purchase 
from the date it is added to the balance and continue to accrue interest until payment in full is credited to your account. You can avoid 
Interest Charges on new Purchases that appear on your current billing statement if you pay your Total New Balance by the Payment 
Due Date on your current statement. 
99..   PPaayyiinngg   IInnttee rreesstt   oonn   CCaasshh   AAddvvaanncceess::  We will begin  charging interest on Cash Advances on the transaction date. We reserve 
the  right to waive  all  or  part  of  any  Interest  Charge  in  certain  cases  without  losing  our  right  to  impose  such  Interest  Charge  in  future 
billing periods.   
1100..   IInnttee rreesstt   CChhaa rrggee   --   BBaallaannccee   CCoommppuuttaa ttiioonn   MMee tthhoodd :: An Interest Charge will be imposed on your Account by applying a Daily 
Periodic  Rate  or  Rates,  multiplied  by  the  number  of  days  in  the  billing  period,  to  the  Average  Daily  Balance  for  Purchases  and  the 
Average  Daily  Balance  for  Cash  Advances and  by  assessing  certain  fees  which  are  explained  below.  The  Average  Daily  Balance for 
Purchases and the Average Daily Balance for Cash Advances are calculated separately. 
The Interest Charge for Purchases is computed by applying the Daily Periodic Rate for Purchases, multiplied by the number of days in 
the  billing  period,  to  the  Balance  Subject  to  Interest  Rate,  which  appears  on  your  Statement.  To  get  the  Balance  Subject  to  Interest 
Rate for Purchases, we take the beginning balance of your Purchases 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 of 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 for Purchases. (This results in daily compounding of Interest Charges.) 
The Interest Charge for Cash Advances is computed by applying the Daily Periodic Rate for Cash Advances, multiplied by the number 
of days in the billing period, to the Balance Subject to Interest Rate for Cash Advances, which appears on your Statement. To get the 
Balance Subject to Interest Rate  for Cash Advances, we  take the beginning balance of your Cash Advances each day, add any new 
Cash  Advances,  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 for Cash Advances. (This results in daily compounding 
of Interest Charges.) 
1111..  CCooss tt  oo ff   CCrreedd iitt - Cost of credit is determined as follows: 
AA..  The  Daily  Periodic  Rates  applicable  to  Purchases  and  Cash  Advances  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  down  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 AANNNNUUAALL   PPEE RRCCEENNTT AAGGEE   RRAATTEE  
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 IINNTTEERREESS TT   CCHHAARRGGEE  of $2.00 in any billing period in which the IINNTTEE RREESSTT   CCHHAARRGG EE resulting from 
application of the Daily Periodic Rate would be less than $2.00.  
CC.. We charge a Cash Advance Fee for each Cash Advance posted to your Account. This Fee will be the greater of $5.00 or 4% of the 
amount of your Cash Advance.  
DD..   IInnttee rrnnaatt iioonnaall    TTrraannssaacctt iioonn   FFeeee :: We will charge an International Transaction Fee for each transaction (including, but not limited 
to,  a  Purchase  or  Cash  Advance)  processed  to  your  American  Express  Account  by  a  merchant  outside  the  United  States  and  its 
territories, whether or not the transaction is in U.S. Dollars.  This fee will be equal to 3% of the transaction amount in U.S. Dollars.  A 
portion of that fee, 1% of the transaction amount in U.S. Dollars, is paid to American Express as an international transaction charge. 
EE..   TThhee   iinnffoo rrmmaa ttiioonn    aabboouutt   tthhee   ccooss tt   oo ff   tthhee    ccaarrdd    iiss   aacc ccuurraattee   aass    ooff   JJuu llyy   11 ,,   22001111..       TThh iiss   iinn ffoorrmmaatt iioonn   mmaayy    hhaa vvee   cchhaannggeedd  
aaffttee rr   tthhaatt   ddaattee ..     TToo   ff iinndd  oouu tt  wwhhaa tt   mmaayy  hhaavvee   cchhaannggeedd,,  ww rrii ttee  uuss   aatt   PP ..OO..   BBooxx   88005511,,   MMaassoonn,,   OOHH   4455004400..  
1122..   CCrreeddii tt   LLii mmii tt:: The amount of your credit available will be shown on your Statement. You agree not to go over this “credit limit”. We 
may refuse to authorize any transaction on your Account which would exceed your credit limit. If you owe more than your credit limit, we 
can require you to immediately pay the excess. We can increase or decrease your credit limit at any time without giving you notice in 
advance unless required by law. We may also, from time to time, establish limits on the amount of Cash Advances that may be charged 
to your Account.  
1133..   LLaattee   PPaayymmeenn tt   FFeeee::  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. 
1144..   RReettuu rrnneedd   PPaayymmeenntt ::  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. 
1155..   RReettuu rrnneedd   CCoonnvveenniieennccee   CChheecckk::  We may add a returned check fee for a returned convenience check.  A returned convenience 
check is any convenience check we do not honor.  We may not honor these checks if the amount of the check would cause the balance 
to  go  over  the  cash  advance  limit  or  credit  limit.    We  also  may  not  honor  these  checks  if  you  default;  if  you  do  not  comply  with  our 
instructions regarding the check; if your account has been closed; or for other  reasons. The fee will be $25; or $35 for any additional 
returned convenience check during the next six billing cycles after a returned convenience check.  However, the fee will not exceed the 
amount permitted by law. 

 
1166..   PPaayy--bbyy--PPhhoonnee   FFeeee:: 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 law.  The amount of the Fee will 
be disclosed at the time you request this optional payment service. 
1177..   DDooccuummeenn tt   PP rroodduucctt iioonn   FFeeee::   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. 
18.  Fees: 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. 
1199..   FFoorreeiiggnn   CCuurrrreennccyy   CCoonnvveerrssiioonn ::  When  your  American  Express  Account  is  used  to  initiate  any  transaction  (including,  but  not 
limited to a Purchase, Return or Cash Advance) in a currency other than U.S. Dollars, it will be converted into U.S. Dollars on the date it 
is processed by American Express or its agents. Unless a particular rate is mandated by applicable law,  the conversion rate used by 
American  Express  will  be  no  greater  than  (a)  the  highest  interbank  conversion  rate  identified  by  American  Express  from  customary 
banking sources or (b) the official conversion rate published by a government agency, on the conversion date or the prior business day. 
This conversion rate may differ from the rate  in effect on the date of your  transaction. A merchant  (such as an airline)  may convert a 
transaction into U.S. Dollars before sending it to American Express. In that case, the merchant selects the conversion rate. 
2200..   DDeeffaauu lltt //CCooll lleecctt iioonn   CCoossttss :: 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 your 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.  No attorney’s  fees  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 continue to impose Interest 
Charges under the terms set forth in this Agreement each month until we obtain a court judgment for the amount you owe. 
2211..   CCaanncceell iinngg   oorr   LLiimm iitt iinngg   YYoouu rr   CC rreeddii tt:: 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 Card issued to you. You 
agree to notify us promptly if any Card we issue to you is lost or stolen. 
2222..   NNoo   WWaaiivvee rr   bbyy   UUss::   We  reserve  the  right,  at  any  time  and  in  our  sole  discretion,  not  to  impose  part  or  all  of  any  fee  or  other 
amount imposed pursuant to this Agreement or not to exercise any right as set forth in this Agreement and in doing we will not waive 
our  right  to  impose  any  such  fee  or  exercise  any  such  right  in  the  future.  Without  limiting  the  foregoing,  we  may,  at  our  option:  (a) 
accept late or partial payments or checks or money orders whether or not marked as payment in full or tendered with other conditions 
or limitations, (b) agree to extend the due date of any payment due under this Agreement for any length of time, and/or (c) release any 
other person responsible under this Agreement, without notifying you and without releasing you from your obligation to pay all amounts 
owing under this Agreement in full, or to otherwise perform the terms and conditions of this Agreement.  
2233..   CChhaannggee   IInn   TTee rrmmss //CChhaannggee   IInn   AAddddrreessss:: 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. 
2244..   CCrreeddii tt   IInnvveesstt iiggaatt iioonn:: 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.  
2255..   DDiissppuutteedd   AAccccuu rraaccyy   ooff   CC rreeddii tt   RReeppoorrtt::  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 8222, Mason, OH 45040-8222. 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 also contact each credit reporting agency to which we reported and request a 
correction. 
2266..   AAssssiiggnnmmeenntt :: We may assign your Account and any of our rights under this Agreement to an affiliate or some other entity without 
your consent or advance notice to you. Following such assignment, that entity will take our place in this Agreement.  
2277..   DDiissppuutteedd   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 notice regarding your right to dispute billing 
errors under federal law. This address will also appear on each Statement. 
2288..   TTeelleepphhoonnee   MMoonnii ttoorriinngg::   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. 
2299..   GGoovveerrnn iinngg   LLaaww::   YYoouu   uunnddeerrss ttaanndd   aanndd   aaggrreeee   tthhaa tt   tthhiiss   AAgg rreeeemmeenn tt   iiss   eennttee rreedd   iinn ttoo   bbeettwweeeenn   yyoouu   aanndd   uuss   iinn   SSoouutthh   
DDaakkoottaa   aanndd   aannyy   ccrreeddiitt   wwee   eexxtteenndd   ttoo   yyoouu   iiss   eexxtteennddee dd   ffrroomm   SSoouu tthh   DDaakkoottaa..      YYoouu   ffuu rrtthheerr   uunnddeerrss ttaanndd   aanndd   aaggrreeee   tthhaatt   
tthhiiss   AAgg rreeeemmeenn tt   iiss   ggoovveerrnneedd   oonn llyy   bbyy   aappppll iiccaabbllee   ffeedd eerraall   llaaww   aanndd   tthhee   llaaww   oo ff   tthhee   SS ttaa ttee   ooff   SSoouu tthh   DDaakkoo ttaa,,    wwhheetthheerr   oo rr  
nnoott  yyoouu   lliivvee   iinn   SSoouutthh   DDaakkoo ttaa  aanndd   wwhheetthhee rr  oo rr  nnoott   yyoouu  uussee  yyoouurr  ccrreedd iitt   ccaarrdd   iinn   SSoouu tthh  DDaakkoo ttaa..  
3300..   IIddeenntt iiffyyiinngg   IInnffoo rrmmaa ttiioonn :: 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. 

YYoouurr  BB iill lliinngg   RRiigghh ttss::      KKeeeepp   tthhiiss   DDooccuummeenntt    ffoorr  FFuuttuu rree   UUssee  
TThhiiss  nnoott iiccee   tteell llss  yyoouu   aabboouutt   yyoouurr  rriigghhttss   aanndd  oouu rr   rreesspp oonnssiibbiill iitt iieess  uunnddee rr   tthhee  FFaa iirr  CC rreeddii tt  BB iill lliinngg   AAcctt ..  
WWhhaatt  TToo  DDoo   II ff  YYoouu  FF iinndd  AA   MM iissttaakkee   OOnn  YYoouu rr  SSttaa tteemmee nntt  

  
If you think there is an error on your statement, write to us at: 

Department Stores National Bank 
P.O. Box 8097 
Mason, OH  45040 

In your letter, give us the following information: 

AAccccoouunntt  iinn ffoo rrmmaatt iioonn:: Your name and account number. 

• 
•  DDoollllaa rr  aa mmoouunntt ::  The dollar amount of the suspected error. 
•  DDeessccrriipp ttiioonn   oo ff   pp rroobbllee mm::  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 iillll   HHaappppeenn   AAffttee rr   WWee  RReeccee iivvee  YYoouu rr  LLee ttttee rr  
WWhheenn  wwee   rreeccee iivvee  yyoouu rr   lleetttteerr,,  wwee  mmuuss tt  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. 

WWhhiillee   wwee   iinnvveessttiiggaattee   wwhhee tthheerr  oorr  nnoott    tthheerree   hhaass  bbeeeenn    aann  eerrrroorr::  

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

•  We cannot try to collect the amount in question, or report you as delinquent 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. 

AAffttee rr   wwee   ffiinn iisshh  oouu rr   iinnvveessttiiggaa ttiioonn ,,  oonnee   ooff   tt wwoo   tthhiinnggss    wwiill ll  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  RR iigghhttss   II ff   YYoouu  AA rree   DDiissssaatt iissff iieedd   WWii tthh  YYoouu rr  CCrreedd iitt   CCaarrdd   PPuu rrcchhaasseess  
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 8097 
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. 

NNoottiiccee   ttoo   WW iissccoonnssiinn  RReess iiddeennttss ::  You must promptly provide your spouse’s name and address to us by calling 1-800-243-6552. 

American  Express  Account  refers  to  all  purchase  activity  outside  of  Bloomingdale’s  stores  and  bloomingdales.com  on  the 
Bloomingdale’s American Express Card or outside of Macy’s stores and macys.com on the Macy’s American Express Card.  This credit 
card  program  is  issued  and  administered  by  Department  Stores  National  Bank.    American  Express  is  a  federally  registered  service 
mark of American Express and is used by Department Stores National Bank pursuant to a license.