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 identifies 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 CREDIT CARD ACCOUNT OPENING DISCLOSURE TABLE, APR, FEE, AND OTHER IMPORTANT INFORMATION 

Interest Rates and Interest Charges

Annual Percentage Rate  
(APR) for 
Nordstrom Purchases 

Penalty APR and When  
It Applies

25.15% This APR will vary with the market based on the Prime Rate.

32.15%
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.

How to Avoid Paying Interest 
on Purchases

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. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau

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.

Fees

Annual Fee

Penalty Fees 
      • Late Payment
      • Returned Payment

None

Up to $38. 
Up to $25.

How We Will Calculate Your Balance: We use a method called “daily balance.” See your Cardmember Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.

Notice to Members of the Armed Forces and Their Dependents: Federal law provides important protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. See your Cardmember Agreement for more details. You may also call 888.246.8731.

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. 

The information about the costs of the card described in this application and the enclosed Credit Card Agreement are accurate as of January 15, 2019. This 
information may have changed after that date. To find out what may have changed, call us at 1.800.964.1800 or write to us at: Nordstrom, P.O. Box 6555, 
Englewood, CO 80155-6555.

 
NORDSTROM VISA PLATINUM® AND NORDSTROM VISA SIGNATURE® ACCOUNT OPENING DISCLOSURE TABLE APR, FEE AND OTHER IMPORTANT INFORMATION 

Interest Rates and Interest Charges

Annual Percentage Rate  
(APR) for 
Nordstrom Purchases 

13.15% to 25.15% 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

17.15% to 25.15% 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 temporary card you receive when you open your account.

APR for Cash Advances

29.15%
This APR will vary with the market based on the Prime Rate.

Penalty APR and When  
It Applies

32.15%
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

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau

Fees

Annual Fee

Transaction Fees 
      • Cash Advance

Penalty Fees 
      • Late Payment
      • Returned Payment

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.

None

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Up to $38. 
Up to $25.

How We Will Calculate Your Balance: We use a method called “daily balance.” See your Cardmember Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.

Notice to Members of the Armed Forces and Their Dependents: Federal law provides important protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. See your Cardmember Agreement for more details. You may also call 888.246.8731.

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.

The information about the costs of the card described in this application and the enclosed Credit Card Agreement are accurate as of January 15, 2019. This 
information may have changed after that date. To find out what may have changed, call us at 1.800.964.1800 or write to us at: Nordstrom, P.O. Box 6555, 
Englewood, CO 80155-6555.

 
NORDSTROM CREDIT CARD AGREEMENT

4. AUTHORIZED USERS. 

In this Nordstrom Credit Card Agreement (“Agreement”) “we,” “us,” “our,” and “TD 
Bank” mean TD Bank USA, N.A., a national bank with its main office located in Delaware, 
and its successors and assignees. The terms “I,” “my,” “me,” “you,” and “your” 
mean each person who has signed or otherwise submitted an application or other forms 
when opening or requesting a Nordstrom credit card account (a “Nordstrom credit 
card account,” “Nordstrom Visa Platinum,” “Nordstrom Visa Signature,” or collectively, 
the “Credit Card Account”) and each person who is liable to pay for amounts owed 
under the Credit Card Account. By applying for and using a Nordstrom Credit Card, you 
acknowledge and agree that you are providing, and you direct the recipient to provide, 
information from your application (and updates you provide to this information) to both 
TD Bank for its credit card banking purposes, and to Nordstrom, Inc. (“Nordstrom”) 
for its retail purposes. Please keep in mind that TD Bank shares information about you 
to Nordstrom and its affiliates for use in connection with the Nordstrom Credit Card 
program and as otherwise permitted by law. Please see the Nordstrom Credit Card 
Privacy Notice for more information. 

We have engaged Nordstrom Card Services, an affiliate of Nordstrom, as our service 
provider for the Nordstrom Credit Card program and your Credit Card Account. When 
you call or write to us, you will be contacting Nordstrom Card Services for Credit Card 
Account servicing.  

Part I of this Agreement sets forth the terms and conditions applicable to all Credit 
Card Accounts. Part II of this Agreement provides consumer disclosure statements 
addressing Credit Card Accounts Billing Rights Summary. 

PART I — CREDIT CARD ACCOUNTS TERMS AND CONDITIONS 

1. ACCEPTANCE OF AGREEMENT.

This Agreement governs the use of my Nordstrom Credit Card Account. 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 sent 
with my Credit Card Account are part of and are incorporated into this Agreement. 
My signature on the application I submitted requesting a credit card represents my 
signature on this Agreement and each use of the Credit Card Account 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 my 
application is approved, or the date that I am allowed to use my Credit Card Account, 
as evidenced by a signed sales slip, memorandum, or otherwise. If my application is 
approved and I am issued a credit card, I agree to pay 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) TD 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, 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 owed in connection with 
my Credit Card Account at the time of the change. Subject to applicable law, I will be 
given written notice before the effective date of any such change. 

I understand and agree that if I authorize or permit other persons to use my Credit 
Card Account, TD Bank will be unable to determine whether any particular purchase 
charged to my Credit Card Account 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 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 by another person, I must 
call 1.800.964.1800, or provide written notification to Nordstrom at P.O. Box 6555, 
Englewood, CO 80155, and recover and destroy any such credit card in such person’s 
possession.  

5. LOST OR STOLEN CARDS.

If any credit card is lost or stolen, or if I think that someone is using my Credit Card 
Account or credit card without my permission, I will immediately call 1.800.964.1800, or 
provide written notification to Nordstrom at P.O. Box 6555, Englewood, CO 80155. 

6. MISREPRESENTATION.

In the event that any information given to TD Bank in connection with my application 
or any future transaction involving my Credit Card Account is false or misleading, TD 
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, TD Bank has the right at any time to terminate my Credit Card Account and this 
Agreement as it relates to future purchases or cash advances, or to limit or cancel 
my Credit Card Account and credit card privileges. I may terminate this Agreement, 
by providing notice in writing to Nordstrom at P.O. Box 6555, Englewood, CO 80155, 
and destroying my credit card(s). Termination of this Agreement, or any limitation or 
cancellation of my Credit Card Account or credit 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 according to the terms of this Agreement. 
TD Bank specifically reserves the right to close my current Credit Card Account based on 
the delinquency of any of my other Credit Card Accounts. 

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 Delaware (without regard to any Delaware conflict of law 
principles). For example, for Credit Card accounts, this Agreement is made in Delaware 
and credit is extended to me from Delaware, so the Credit Card terms of this Agreement 
are governed by Delaware law, regardless of where I reside or where I use my account.

I agree that if a dispute arises and I file suit against TD Bank, service of process may 
be made only at TD Bank’s main office in Cherry Hill, New Jersey. 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 Delaware do not apply, this Agreement is governed by Title 12, 
Subtitle 9 of the Maryland Commercial Law Article.

3. PROMISE TO PAY. 

9. RESERVATION OF RIGHTS.

I agree to pay in U.S. Dollars for all purchases and cash advances, (including applicable 
Interest Charges for Credit Card Accounts) and Fees (as defined in paragraphs 20 and 21 
of Part I, below) incurred by me or anyone I authorize or permit to use my Credit Card 
Account or credit card, even if I do not notify TD Bank that others are using my Credit 
Card Account or credit card. All checks must be drawn on funds on deposit in the United 
States. If my Credit Card Account is a joint account, all cardmembers agree to be liable 
individually for the entire amount owed on the Credit Card Account. We can accept late 
payments or partial payments or checks and money orders marked “payment in full” 
without losing our right to receive the full amount owing on your Credit Card Account 
or any of our other rights under this Agreement. I understand that I may pay the 
unpaid balance in whole, or in part, at any time. I agree to address all communications 
concerning disputed debts, including instruments tendered as full satisfaction of debt, 
to the following address: Nordstrom, P.O. Box 13589, Scottsdale, AZ 85267.  

We reserve 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, we will not have 
waived our right to assess such fee or other amounts or exercise other rights under this 
Agreement in the future. We reserve 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 I, paragraph 16, below. 

10. CREDIT REPORTING; INACCURATE INFORMATION.

I hereby authorize TD Bank at its discretion to furnish information concerning my Credit 
Card Account to consumer reporting agencies and others who may properly receive 
such information. I may provide written notification by writing to Nordstrom at P.O. 
Box 6555, Englewood, CO 80155, if I believe TD Bank has information about me that is 
inaccurate, or that TD 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 will require prior authorization, 
and I may be asked to provide identification. If our authorization system is not working, 
we may not be able to authorize a transaction, even if your Credit Card Account has 
sufficient available credit. TD Bank will not be liable to me if any of these events happen. 
TD Bank is not responsible for the refusal of anyone to accept or honor my credit card.  

12. ASSIGNMENT.

I may not sell, assign, or transfer my Credit Card Account without first obtaining TD 
Bank’s prior written consent. TD Bank may sell, assign or transfer my Credit Card 
Account and TD 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 only for personal, family 
and household purposes, and I may not use my Credit Card Account for any illegal 
purpose. Joint cardmembers shall have the right to use the Credit Card Account to the 
extent of any available credit limits. 

14. CHANGE OF RESIDENCE.

If I move, I agree to promptly notify TD Bank of my new address by calling 
1.800.964.1800, or by writing to Nordstrom at P.O. Box 6555, Englewood, CO 80155. 

15. TELEPHONE COMMUNICATIONS.

You agree that we, and our representatives on our behalf, may monitor and/or record 
your calls for quality assurance and other appropriate purposes, unless, at the 
commencement of each telephone conversation, you advise the representative assisting 
you that you do not wish the call to be monitored and/or recorded. You authorize us 
and our representatives to make telephone calls to you or send you text messages at 
any telephone number you have given to us and our representatives or from which you 
have telephoned, including, without limitation, cellular or mobile phones. You authorize 
us and our representatives to make such telephone calls and/or leave prerecorded 
messages, using automatic telephone dialing devices at any telephone number you 
have given to us and our representatives, for any purpose related to your Credit Card 
Account. 

16. 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 the Current Due and any past due 
amount. The Current Due is calculated as shown under Paragraph 17, below (“MINIMUM 
MONTHLY PAYMENTS”), and may include “Fees.” 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 
at the address shown on my monthly billing statement. Any payment received by 
Nordstrom 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.

17. MINIMUM MONTHLY PAYMENTS.

The Current Due each month will be the greater of $38 or 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 $38, the Current Due will be my New Balance.

18. SPECIAL PAYMENT OPTIONS.

From time to time TD Bank may reduce my Annual Percentage Rate or interest charge, 
or allow me to take advantage of other options that may be made available. We may end 
the special payment option and apply the Penalty APR if your minimum payment is not 
received within 60 days of your due date. Qualifying promotional balances are included 
in the calculation of your minimum payment due. Other restrictions and details of these 
special programs will be provided to me at the time they are offered.

19. 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, HauteLook, through 
Nordstrom catalogs and for purchases of Nordstrom gift cards through CashStar®. “ 
Non-Nordstrom Purchases” are purchases I charge to my Nordstrom Visa card that are 
not Nordstrom Purchases. I understand at this time the Nordstrom retail credit card 
cannot be used to make purchases at Nordstrom stores located in Canada.

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 19.B, 
TD 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 19.C only applies to Credit Card 
Accounts that have a Cash Advance feature. 

D. Daily Balance Method for Computation of the Balances Subject to Interest 
Charges.

The interest charge is figured by applying the periodic rate (as described below in 
paragraph 19.E) to the “daily balance” of my account for each day in the billing cycle. 
To get the “daily balance” of a Balance Category, we take the beginning balance of that 
Balance Category each day, add any new transactions or charges and subtract 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.

We 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, we will consider your 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 paragraph 19.F) and 
the “Penalty ANNUAL PERCENTAGE RATE” (described in paragraph 19.H). 

F. Standard ANNUAL PERCENTAGE RATES.

Nordstrom Credit Card Accounts. 

The Standard ANNUAL PERCENTAGE RATE for Nordstrom Purchases is the Prime Rate plus 
a Margin of 19.65 percentage points. As of January 15, 2019, this ANNUAL PERCENTAGE 
RATE was 25.15% (Daily Periodic Rate of 0.06890%).

Nordstrom Visa Platinum and Nordstrom Visa Signature Accounts.

The Standard ANNUAL PERCENTAGE RATE(S) that apply to Purchases are based on 
my creditworthiness and described below in Tiers I through IV. TD Bank will tell me 
the Standard ANNUAL PERCENTAGE RATE(S) that apply to Nordstrom Visa Platinum or 
Nordstrom Visa Signature before I use my account.

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, 2019, this 
ANNUAL PERCENTAGE RATE was 13.15% (Daily Periodic Rate of 0.03603%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the Prime 
Rate plus a Margin of 11.65 percentage points. As of January 15, 2019, this ANNUAL 
PERCENTAGE RATE was 17.15% (Daily Periodic Rate of 0.04699%).

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, 2019, this 
ANNUAL PERCENTAGE RATE was 17.15% (Daily Periodic Rate of 0.04699%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the Prime 
Rate plus a Margin of 15.65 percentage points. As of January 15, 2019, this ANNUAL 
PERCENTAGE RATE was 21.15% (Daily Periodic Rate of 0.05795%).

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, 2019, this 
ANNUAL PERCENTAGE RATE was 21.15% (Daily Periodic Rate of 0.05795%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the Prime 
Rate plus a Margin of 19.65 percentage points. As of January 15, 2019, this ANNUAL 
PERCENTAGE RATE was 25.15% (Daily Periodic Rate of 0.06890%).

Tier IV Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom Purchases 
and Non-Nordstrom Purchases is the Prime Rate plus a Margin of 19.65 percentage 
points. As of January 15, 2019, this ANNUAL PERCENTAGE RATE was 25.15% (Daily 
Periodic Rate of 0.06890%). 

G. Cash Advance ANNUAL PERCENTAGE RATE.

The Cash Advance ANNUAL PERCENTAGE RATE is the Prime Rate plus a Margin of 23.65 
percentage points. As of January 15, 2019, this ANNUAL PERCENTAGE RATE was 
29.15% (Daily Periodic Rate of 0.07986%). This paragraph 19.G only applies to Credit 
Card Accounts that have a Cash Advance feature.

H. 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 26.65 percentage points. 
As of January 15, 2019, this ANNUAL PERCENTAGE RATE was 32.15% (Daily Periodic 
Rate of 0.08808%).

I. 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. 

20. CASH ADVANCE FEE.

For each Cash Advance on my Credit Card Account (including advances to me directly or 
to someone else at my direction), TD Bank will assess a Cash Advance Fee in an amount 
equal to 5% of the amount of the Cash Advance or $10, whichever is greater. This 
paragraph 20 only applies to Credit Card Accounts that have a Cash Advance feature. 

21. PENALTY FEES. 

A. Late Payment Fee.

My Credit Card Account will be subject to a Late Payment Fee of up to $38 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, TD Bank 
may charge me and I agree to pay a Returned Payment Fee of up to $25. TD 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. TD Bank does not have to attempt to 
collect any payment more than once. 

22. CREDIT LIMIT.

I agree that TD 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 TD Bank may change my 
credit line from time to time based upon TD Bank’s evaluation of changes in my credit 
capacity. If I exceed my credit line, TD Bank has the right to refuse further purchases 
or advances, and to suspend or cancel my account under the terms of this Agreement. 
TD Bank will identify any subsequent changes to my credit line on my periodic billing 
statements.

23. AVAILABLE CREDIT.

After a payment or credit is posted to my Credit Card Account, or after TD 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.

24. APPLICATION OF PAYMENTS.

Unless otherwise required by applicable law, TD 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). TD 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. 

25. DEFAULT.

Subject to applicable law, TD 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 TD 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, TD Bank 
may require that I pay the entire balance on my account immediately, at any time, even 
though TD 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 TD Bank refers my Credit Card Account for collection 
to an attorney other than a salaried employee of TD 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 TD Bank Credit 
Card Account(s). 

26. 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.

NOTICE TO MEMBERS OF THE ARMED FORCES AND THEIR DEPENDENTS

The following important notice applies if you are a member of the Armed Forces or a 
dependent of one at the time your account is established. 

Federal law provides important protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an 
annual percentage rate of 36 percent. This rate must include, as applicable to the credit 
transaction or account: the costs associated with credit insurance premiums; fees 
for ancillary products sold in connection with the credit transaction; any application 
fee charged (other than certain application fees for specified credit transactions or 
accounts); and any participation fee charged (other than certain participation fees for a 
credit card account).

If you would like more information, please call 888.246.8731.

STATE-SPECIFIC INFORMATION

California Residents:

If you are married, you may apply for credit in your own name.

Florida Residents:

PART II — CONSUMER DISCLOSURE STATEMENTS

CREDIT CARD ACCOUNTS 

I agree that, should TD Bank obtain a judgment against me, a portion of my disposable 
earnings may be attached or garnished (paid to TD Bank by my employer), as provided 
by Florida and federal law.

Your Billing Rights: Keep This Notice For Future Use 

This notice contains important information about your rights and our responsibilities 
under the Fair Credit Billing Act. 

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:

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 
P.O. Box 6555  
Englewood, CO 80155

I understand that reasonable attorneys’ fees will be awarded to me if I prevail in any 
action or suit brought by TD Bank. Also, if I successfully assert a partial defense or 
counterclaim to an action brought by TD Bank, the court may withhold from TD Bank the 
entire amount or such portion of the attorneys’ fees as the court considers equitable.

In your letter, give us the following information: 

•  Account information: Your name and account number.

•  Dollar amount: The dollar amount of the suspected error.

New Jersey Residents:

•  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.

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. 

You must contact us: 

•  Within 60 days after the error appeared on your statement.

New York Residents:

New York residents may contact the New York State Department of Financial Services 
by telephone or visit its website for free information on comparative credit card 
rates, fees, and grace periods. New York State Department of Financial Services: 
1.800.342.3736 or http://www.dfs.ny.gov.

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.

Rhode Island and Vermont Residents:

A consumer credit report may be ordered in connection with this application, or 
subsequently for purposes of review or collection of the account, increasing the credit 
line on the account, or other legitimate purposes associated with the account. If you 
are a Vermont resident, you consent to the obtaining of such reports by signing or 
otherwise submitting a credit application. 

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 at P.O. Box 6555, Englewood, CO 80155.

•  At least 3 business days before an automated payment is scheduled, if you want to 

stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we 
are not required to investigate any potential errors and you may have to pay the amount 
in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. 

We will also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain to 

you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that 

amount.

•  The charge in question may remain on your statement, and we may continue to 

charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest 
or other fees related to 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 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 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 
P.O. Box 6555 
Englewood, CO 80155

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.

CUSTOMER SERVICE

For questions or assistance, just give us a call at 1.800.964.1800, seven days a week,  
24 hours a day.

Thanks for being one of our most valued customers!

Revised 01/19