DSNB170TC0912 
(PL068/069) 

DDEEPPAARRTTMMEENNTT  SSTTOORREESS  NNAATTIIOONNAALL  BBAANNKK  CCRREEDDIITT  CCAARRDD  AAGGRREEEEMMEENNTT  

IInntteerreesstt  RRaatteess  aanndd  IInntteerreesstt  CChhaarrggeess  

AAnnnnuuaall  PPeerrcceennttaaggee  RRaattee  
((AAPPRR))  ffoorr  PPuurrcchhaasseess  

HHooww  ttoo  AAvvooiidd  PPaayyiinngg  
IInntteerreesstt  

2244..5500%%  

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

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

MMiinniimmuumm  IInntteerreesstt  CChhaarrggee  

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

FFoorr  CCrreeddiitt  CCaarrdd  TTiippss  ffrroomm  
tthhee  CCoonnssuummeerr  FFiinnaanncciiaall  
PPrrootteeccttiioonn  BBuurreeaauu  

FFeeeess  

PPeennaallttyy  FFeeeess  
• 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 hhttttpp::////wwwwww..ccoonnssuummeerrffiinnaannccee..ggoovv//lleeaarrnnmmoorree. 

UUpp  ttoo  $$3355  
UUpp  ttoo  $$3355  

HHooww  WWee  WWiillll  CCaallccuullaattee  YYoouurr  BBaallaannccee:: We use a method called “Average Daily Balance (including new Purchases).” 

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

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

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

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

  
period  as  disclosed  below,  rounded  to  five  decimal  places.    The  Annual  Percentage  Rate  may  be  changed  quarterly.    It  will  be  calculated  by  taking  the  rate 
disclosed as the “Prime Rate” in the “Money Rates” section of The Wall Street Journal on the 15th day of March, June, September and December of each year (or 
the next business day if the 15th day falls on a weekend or holiday) and adding 21.25% to that rate. As of September 1, 2012, the AANNNNUUAALL   PPEERRCCEENNTTAAGGEE  
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 IINNTTEERREESSTT   CCHHAARRGGEE of $2.00 in any billing period in which the IINNTTEERREESSTT   CCHHAARRGGEE resulting from application of the Daily 
Periodic Rate would be less than $2.00.   
CC..   TThhee   iinnffoorrmmaattiioonn   aabboouutt   tthhee   ccoosstt   ooff   tthhee   ccaarrdd   iiss   aaccccuurraattee   aass   ooff   SSeepptteemmbbeerr   11,,   22001122..      TThhiiss   iinnffoorrmmaattiioonn   mmaayy   hhaavvee   cchhaannggeedd   aafftteerr  
tthhaatt  ddaattee..    TToo  ffiinndd  oouutt  wwhhaatt  mmaayy  hhaavvee  cchhaannggeedd,,  wwrriittee  uuss  aatt  PP..OO..  BBooxx  88005511,,  MMaassoonn,,  OOHH  4455004400..  
88..    MMiinniimmuumm  PPaayymmeenntt::  
AA..    MMiinniimmuumm  PPaayymmeenntt  DDuuee:: Each month, for each Account Type with a balance, you agree to pay at least the Minimum Payment Due, which is the sum of a 
Monthly Minimum plus all unpaid Late Payment Fees, any credit protection charges (if enrolled) applied that month and any delinquent Monthly Minimums, by the 
Payment Due Date. The Monthly Minimum for each Account Type is calculated as follows: 

11..  RReevvoollvviinngg  AAccccoouunntt  TTyyppee:: The greater of $25.00 or 3.25% of the New Balance, rounded up to the next whole dollar amount, or the entire New Balance 

if it is under $25.00.  

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

Balance if it is under $25.00.  

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

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

BB..   LLeevveell   PPaayymmeennttss:: Since the Minimum Payment for Club Accounts is based on the highest New Balance in the Account Type until paid in full, the Minimum 
Payment for Club Accounts will not decrease as the New Balance decreases, even if you pay more than the Minimum Payment required. Your Minimum Payment 
will increase, however, if a new purchase increases the New Balance in the Club Account above a previous high.  
CC..   AAddddiittiioonnaall   PPaayymmeenntt   IInnffoorrmmaattiioonn:: You may pay all or part of your account balance at any time. However, you must pay, by the Payment Due Date, at 
least the Minimum Payment Due as calculated above. If you pay more than the Minimum Payment Due and there is still a balance due, you must continue to 
make your Minimum Payment Due in future months.  Payments in excess of the Minimum Payment Due will be applied in accordance with law, and payments 
less than the Minimum Payment Due and credits will be applied at our discretion.  If we accept any late payment or partial payment, whether or not marked as 
payment in full, it will not affect the due date of any payment due under this Agreement, it will not act as an extension of time or a waiver of any amount then 
remaining unpaid, and it will not affect any of our rights under this Agreement including our right to declare the entire balance in your Account to be due. Returns 
and credits are not applied toward your Minimum Payment Due. 
DD..   FFoorrmm   ooff   PPaayymmeenntt:: You agree to make your payment by check, money order or similar instrument payable in U.S. Dollars drawn on a financial institution 
located in the United States.  
99..    SSppeecciiaall  PPaayymmeenntt  PPllaannss:: We may offer you promotional terms from time to time for all or a part of any balances.  Any promotional terms may apply for a 
limited period of time.  They will be governed by the terms of the promotional offer and the Credit Card Agreement, in accordance with law.  They may include the 
Special Event and the No Interest offers described below.  Your promotional terms may end if you make a late payment.  (a) Special Event:  Interest Charges will 
accrue but will be deferred during the promotional period, and will not be imposed on this balance if you pay the balance in full by the end of the promotional 
period.  We will impose Interest Charges on this balance if you do not pay the balance in full by the end of the promotional period or the promotional terms are 
terminated.  We will impose these Interest Charges from the date of purchase until the balance is paid in full.  The promotional offer will specify any minimum 
purchase amount and the amount of any minimum payment required on this balance.  (b)  No Interest:  No Interest Charges are imposed on this balance during 
the promotional period.  The promotional offer will specify any minimum purchase amount and the amount of any minimum payment required on this balance. 
1100..   RReettuurrnneedd   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. 
1111..   LLaattee   PPaayymmeenntt   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.  
1122..   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 applicable law. The amount of the Fee will be disclosed at the time you request this 
optional payment service. 
1133..   DDooccuummeenntt   PPrroodduuccttiioonn   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. 
1144..  FFeeeess:: For all fees, we reserve the right to waive all or part of any fee in certain cases without losing our right to impose such fee in future billing periods. 
1155..   DDeeffaauulltt//CCoolllleeccttiioonn   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 the Account due and payable. If 
your Account is referred to an attorney who is not our salaried employee and we prevail in a suit against you to collect the amount you owe, in addition to the full 
amount owed and any court costs, you agree to pay our reasonable attorney’s fees, to the extent permitted by law. 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 impose Interest Charges on 
the outstanding balance due each month until we obtain a court judgment for the amount you owe. 
1166..   CCrreeddiitt   LLiimmiitt::   You  agree  not  to  go  over  the  credit  limits  individually  assigned  to  each  of  the  Account  Types  on  your  Store  Account.  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. Available credit cannot be moved between Account Types. We can increase or decrease your credit limit at any time without giving you notice in advance 
unless required by law. 
1177..  LLoosstt  oorr  SSttoolleenn  CCaarrddss  oorr  AAccccoouunntt  NNuummbbeerrss::    You must call us if any card or account number is lost or stolen. You must also call us if you 
think someone used or may use them without permission. When you call, we may require you to provide information to help our investigation. We may 
require  you  to  provide  this  information  in  writing.  For  example,  we  may  ask  you  to  identify  any  charges  that  were  not  made  by  you  or  someone 
authorized by you. We may also ask you to confirm that you received no benefit from those charges.  
1188..   CClloossiinngg   YYoouurr   AAccccoouunntt::      You  may  close  your  account  by  notifying  us  in  writing  or  over  the  phone.  If  you  close  your  Account,  you  must  still 
repay the total balance in accordance with this Agreement.  We may also close your Account or suspend account privileges at any time for any reason. 

We may do this without prior notice to you unless required by law. You must return any card to us upon request.    
1199..   CChhaannggee   IInn   TTeerrmmss//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.  
2200..   CCrreeddiitt   IInnvveessttiiggaattiioonn::   You  give  us  permission  to  investigate  your  credit  history  by  obtaining  consumer  reports  and  by  making  direct  inquiries  of 
businesses where you have accounts and where you work. We may request a consumer report from consumer reporting agencies in considering your application 
for this Account and later in connection with an update, renewal, extension of credit, or in connection with the collection of this Account. Upon your request we 
will tell you whether or not a consumer report was requested and the name and address of any consumer reporting agency that furnished the report. 
2211..  DDiissppuutteedd  AAccccuurraaccyy  ooff  CCrreeddiitt  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 8218, Mason, OH 45040-8218. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the 
credit report that includes the inaccurate information, please send a copy of that report to us as well. We will promptly investigate the matter and notify you in 
writing of the results.  If we agree with you, we will contact each credit reporting agency to which we reported and request a correction.  
2222..   GGoovveerrnniinngg   LLaaww::   YYoouu   uunnddeerrssttaanndd   aanndd   aaggrreeee   tthhaatt   tthhiiss   AAggrreeeemmeenntt   iiss   eenntteerreedd   iinnttoo   bbeettwweeeenn   yyoouu   aanndd   uuss   iinn   SSoouutthh   DDaakkoottaa   aanndd  
aannyy   ccrreeddiitt   wwee   eexxtteenndd   ttoo   yyoouu   iiss   eexxtteennddeedd   ffrroomm   SSoouutthh   DDaakkoottaa..   YYoouu   ffuurrtthheerr   uunnddeerrssttaanndd   aanndd   aaggrreeee   tthhaatt   tthhiiss   AAggrreeeemmeenntt   iiss  
ggoovveerrnneedd   oonnllyy   bbyy   aapppplliiccaabbllee   ffeeddeerraall   llaaww   aanndd   tthhee   llaaww   ooff   tthhee   SSttaattee   ooff   SSoouutthh   DDaakkoottaa,,   wwhheetthheerr   oorr   nnoott   yyoouu   lliivvee   iinn   SSoouutthh   DDaakkoottaa  
aanndd  wwhheetthheerr  oorr  nnoott  yyoouu  uussee  yyoouurr  ccrreeddiitt  ccaarrdd  iinn  SSoouutthh  DDaakkoottaa..  
2233..  IIddeennttiiffyyiinngg  IInnffoorrmmaattiioonn:: 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. 
2244..   AAssssiiggnnmmeenntt:: We may assign your Account and any of our rights under this Agreement to our affiliates or some other entity without prior notice to you. 
Following such assignment, that entity will take our place in this Agreement. 
2255..   DDiissppuutteedd   AAmmoouunnttss:: All communications concerning disputed amounts, including any check or other payment instrument in an amount less than the full 
amount due that you send to us marked “paid in full”, or which you otherwise tender as full satisfaction of a disputed amount, must be sent to us at the address 
for billing inquiries shown below in the section regarding your right to dispute billing errors under federal law. 
2266..   TTeelleepphhoonnee   MMoonniittoorriinngg::   We treat every customer call confidentially. To ensure that you receive accurate and courteous customer service, on occasion, 
your call may be recorded or monitored by a second employee. 
NNOOTTIICCEESS  TTOO  AAPPPPLLIICCAANNTT:: 
The applicant, if married, may apply for a separate account.  After credit approval, each applicant shall have the right to use this Account to the extent of any 
credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this Account to any joint applicant. 

YYoouurr  BBiilllliinngg  RRiigghhttss::  KKeeeepp  tthhiiss  DDooccuummeenntt  ffoorr  FFuuttuurree  UUssee  
TThhiiss  nnoottiiccee  tteellllss  yyoouu  aabboouutt  yyoouurr  rriigghhttss  aanndd  rreessppoonnssiibbiilliittiieess  uunnddeerr  tthhee  FFaaiirr  CCrreeddiitt  BBiilllliinngg  AAcctt..   
WWhhaatt  TToo  DDoo  IIff  YYoouu  FFiinndd  AA  MMiissttaakkee  OOnn  YYoouurr  SSttaatteemmeenntt  
If you think there is an error on your statement, write to us at: 
  Department Stores National Bank 
  P.O. Box 8066 
  Mason, OH  45040 
In your letter, give us the following information: 

•  Account information: Your name and account number. 
•  Dollar amount:  The dollar amount of the suspected error. 
•  Description of problem:  If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing.  You may call us, but if you do we are not required to investigate any potential errors and you may have to pay 
the amount in question. 
WWhhaatt  WWiillll  HHaappppeenn  AAfftteerr  WWee  RReecceeiivvee  YYoouurr  LLeetttteerr  
WWhheenn  wwee  rreecceeiivvee  yyoouurr  lleetttteerr,,  wwee  mmuusstt  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  wwhheetthheerr  oorr  nnoott  tthheerree  hhaass  bbeeeenn  aann  eerrrroorr::  

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 

AAfftteerr  wwee  ffiinniisshh  oouurr  iinnvveessttiiggaattiioonn,,  oonnee  ooff  ttwwoo  tthhiinnggss  wwiillll  hhaappppeenn::  

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

statement of the amount you owe and the date payment is due.  We may then report you as delinquent if you do not pay the amount we think you owe. 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.  If you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill.  We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
YYoouurr  RRiigghhttss  IIff  YYoouu  AArree  DDiissssaattiissffiieedd  WWiitthh  YYoouurr  CCrreeddiitt  CCaarrdd  PPuurrcchhaasseess  
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the 

merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more 
than $50.  (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you 
the goods or services.) 

2. You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or with a check that accesses your credit card 

account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
  Department Stores National Bank 
  P.O. Box 8066 
  Mason, OH  45040 
While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell you our decision.  At that 
point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
___________________________________________________________________________________________________________ 
NNoottiiccee  ttoo  WWiissccoonnssiinn  RReessiiddeennttss:: You must promptly provide your spouse's name and address to us by calling 1-800-243-6552.