Employee Card Application Disclosures 
APR, Fee, and Other Important Information     

Cardholder Agreement
Privacy Notice

  
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 VISA SIGNATURE® AND NORDSTROM CREDIT CARD ACCOUNT OPENING DISCLOSURE TABLE, APR, FEE, AND OTHER IMPORTANT INFORMATION

Interest Rates and Interest Charges

Annual Percentage Rate  
(APR) for 
Nordstrom Purchases 

11.15% to 23.15% 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

15.15% to 23.15% 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

27.15%
This APR will vary with the market based on the Prime Rate.

Penalty APR and  
When It Applies

30.15%
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 Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

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 is accurate as of  August 15, 2016. 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 P.O. Box 13589, Scottsdale, AZ 85267.

Nordstrom Bank is a trade name of Nordstrom fsb, a wholly owned subsidiary of Nordstrom, Inc. 

10/16

 
NORDSTROM BANK CARDHOLDER AGREEMENT; CONSUMER 
DISCLOSURES; NORDSTROM REWARDS TERMS AND CONDITIONS 
(NORDSTROM EMPLOYEES)
In this Nordstrom Bank Cardholder Agreement; Consumer Disclosures; 
Nordstrom Rewards Terms and Conditions the term “Nordstrom Bank” 
includes its successors and assignees. Nordstrom Bank is a trade name of 
Nordstrom fsb, a wholly owned subsidiary of Nordstrom, Inc. Throughout 
the Nordstrom Bank Cardholder Agreement; Consumer Disclosures; 
Nordstrom Rewards Terms and Conditions, which includes the terms and 
conditions governing Credit Card Accounts and Nordstrom debit cards, 
together with the “Nordstrom Debit Card Error Resolution Notice,” the 
“Credit Card Billing Rights Notice,” and the “Nordstrom Rewards Terms 
and Conditions,” collectively will be referred to as the “Agreement.” As 
used in Parts I, II, and III of the Agreement, the terms “I,” “my,” and “me” 
mean each person who has signed or otherwise submitted an application 
or other forms when opening or requesting either a Nordstrom Bank 
credit card account (each individually a “Nordstrom account,” or “Visa 
Signature,” or collectively, the “Credit Card Account”) or the Nordstrom 
Bank debit card (the “Nordstrom debit card”), as applicable, and each 
person who is liable to pay Nordstrom Bank for amounts owed under 
the Credit Card Account or due to use of the Nordstrom debit card (as 
applicable). As used in Parts IV and V of the Agreement, the terms “you” 
and “your” mean each person who has signed or otherwise submitted an 
application or other forms when opening or requesting either a Credit Card 
Account or a Nordstrom debit card, as applicable, and each person who 
is liable to pay Nordstrom Bank for amounts owed under the Credit Card 
Account or due to use of the Nordstrom debit card (as applicable), and the 
terms “we,” “our,” and “us” mean Nordstrom Bank. By applying for and 
using a Nordstrom credit or debit 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 Nordstrom Bank for its banking purposes, and to Nordstrom, Inc. 
(“Nordstrom”) for its retail purposes.

Part I of this Agreement sets forth the general terms and conditions 
applicable to all Credit Card Accounts and Nordstrom debit cards. Part II of 
this Agreement sets forth the specific terms and conditions applicable to 
Nordstrom Bank Credit Card Accounts. Part III of this Agreement includes 
specific terms and conditions applicable to all Nordstrom debit cards. Part 
IV of this Agreement provides consumer disclosure statements addressing 
Credit Card Accounts Billing Rights Summary and Nordstrom Debit Card  
Error Resolution Notice. Part V sets forth the terms and conditions of the 
Nordstrom Rewards program. 

PART I — GENERAL TERMS AND CONDITIONS 

1. ACCEPTANCE OF AGREEMENT. This Agreement governs the use of 
my Credit Card Account and/or my Nordstrom debit card. I have read and 
kept this Agreement for my records. The application I signed or otherwise 
submitted (including the accompanying federal and state notices) and 
the card carrier Nordstrom Bank sends with my Credit Card Account or 
Nordstrom debit card (as applicable) are part of and are incorporated into 
this Agreement. My signature on the application I submitted to Nordstrom 
Bank requesting a credit card or Nordstrom debit card (as applicable) 
represents my signature on this Agreement and each use of the Credit 
Card Account and/or Nordstrom debit card confirms my agreement to the 
terms and conditions stated in this Agreement, as they may be amended 
from time to time. This Agreement begins on the earlier of the date that 
Nordstrom Bank approves my application, or the date that Nordstrom 
Bank allows me to use my Credit Card Account or Nordstrom debit card 
(as applicable), as evidenced by a signed sales slip, memorandum, or 

otherwise. If Nordstrom Bank approves my application and issues a credit card 
or Nordstrom debit card to me, I agree to pay Nordstrom Bank all amounts owed 
under this Agreement. 

2. CHANGE IN TERMS. Subject to the governing law (provision described below 
in Part I, paragraph 8 of this Agreement), (a) Nordstrom Bank has the right to 
change any term of this Agreement at any time, including, without limitation, any 
Annual Percentage Rate, any other rates and fees, and may add or delete fees 
and other provisions relating to my Credit Card Account or Nordstrom debit card, 
and to the nature, extent and enforcement of the rights and obligations I may 
have under this Agreement; and (b) the change may be applied to any amount I 
owe Nordstrom Bank in connection with my Credit Card Account or Nordstrom 
debit card at the time of the change. Subject to applicable law, Nordstrom Bank 
will give me written notice before the effective date of any such change. 

3. PROMISE TO PAY. I agree to pay in U.S. Dollars for all purchases and cash 
advances, (including applicable Interest Charges for Credit Card Accounts) and 
Fees (as defined in paragraphs 5 and 6 of Part II, below) incurred by me or anyone 
I authorize or permit to use my Credit Card Account, credit card, or Nordstrom 
debit card, even if I do not notify Nordstrom Bank that others are using my Credit 
Card Account, credit card, or Nordstrom debit card. All checks must be drawn on 
funds on deposit in the United States. If my Credit Card Account or Nordstrom 
debit card is a joint account, all cardholders agree to be liable individually for 
the entire amount owed on the Credit Card Account or the Nordstrom debit card. 
Nordstrom Bank can accept late payments or partial payments or checks and 
money orders marked “payment in full” without losing its right to receive the  
full amount owing on my Credit Card Account or Nordstrom debit card or any  
of its other rights under this Agreement. I understand that I may pay the unpaid 
balance in whole, or in part, at any time. I agree to address all communications 
concerning disputed debts, including instruments tendered as full satisfaction  
of debt, to the following address: Nordstrom Bank, P.O. Box 13589,  
Scottsdale, AZ 85267. 

4. AUTHORIZED USERS. I understand and agree that if I authorize or permit 
other persons to use my Credit Card Account or Nordstrom debit card, 
Nordstrom Bank will be unable to determine whether any particular purchase 
charged to my Credit Card Account or made with my Nordstrom debit card 
by an authorized user was in fact authorized by me or made for my benefit 
and I specifically agree that I will pay for all purchases charged to my Credit 
Card Account or made with my Nordstrom debit card by an authorized user, 
whether or not such purchases were specifically authorized by me or made 
for my benefit. If I want to cancel the authorized or permitted use of my Credit 
Card Account or my Nordstrom debit card by another person, I must telephone 
Nordstrom Bank at 1.800.964.1800 (Credit Card Accounts) or 1.866.445.0426 
(Nordstrom debit card), or provide written notification to Nordstrom Bank at P.O. 
Box 13589, Scottsdale, AZ 85267, and recover and destroy any such credit card or 
Nordstrom debit card in such person’s possession.  

5. LOST OR STOLEN CARDS. If any credit card or Nordstrom debit card is lost 
or stolen, or if I think that someone is using my Credit Card Account, credit card, 
or Nordstrom debit card without my permission, I will immediately telephone 
Nordstrom Bank at 1.800.964.1800 (Credit Card Accounts) or 1.866.445.0426 
(Nordstrom debit card), or notify Nordstrom Bank in writing to Nordstrom Bank 
at P.O. Box 13589, Scottsdale, AZ 85267.

6. MISREPRESENTATION. In the event that any information given to Nordstrom 
Bank in connection with my application or any future transaction involving my 
Credit Card Account or Nordstrom debit card is false or misleading, Nordstrom 
Bank reserves the right to terminate this Agreement and take any and all legal 
action available under applicable law. 

7. CANCELLATION. For any reason not prohibited by applicable law and with only  
such notice as is required by law, Nordstrom Bank has the right at any time to 

terminate my Credit Card Account or Nordstrom debit card and this Agreement as 
each relates to future purchases or cash advances, or to limit or cancel my Credit 
Card Account and credit card or Nordstrom debit card privileges. I may terminate 
this Agreement by notifying Nordstrom Bank in writing and destroying my credit 
card(s) and/or my Nordstrom debit card(s). Termination of this Agreement, or 
any limitation or cancellation of my Credit Card Account or credit privileges or 
Nordstrom debit card privileges, will not affect my liability with respect to all 
outstanding balances, and I will still be responsible for paying any outstanding 
balance or other amounts I owe Nordstrom Bank according to the terms of this 
Agreement. Nordstrom Bank specifically reserves the right to close my current 
Nordstrom Bank Credit Card Account or to cancel my Nordstrom debit card based 
on the delinquency of any of my other Nordstrom Bank Credit Card Accounts or 
Nordstrom debit card.  

8. GOVERNING LAW; ENFORCEABILITY. I understand that this Agreement, each 
term of this Agreement, and any amendment to this Agreement are governed by 
and construed in accordance with United States federal law and the laws of the 
state of Arizona (without regard to any Arizona conflict of law principles). For 
example, for Credit Card accounts, this Agreement is made in Arizona and credit 
is extended to me from Arizona, so the Credit Card terms of this Agreement are 
governed by Arizona law, including Arizona Revised Statutes Section 44-1205(C), 
regardless of where I reside or where I use my account. 

I agree that if a dispute arises and I file suit against Nordstrom Bank, service of 
process on Nordstrom Bank may be made only at Nordstrom Bank’s main office in 
Scottsdale, Arizona. If any part of this Agreement becomes unenforceable, it will 
not make any other part of this Agreement unenforceable. 

For Maryland residents with a Credit Card account, to the extent federal law and 
the laws of the State of Arizona do not apply, this Agreement is governed by Title 
12, Subtitle 9 of the Maryland Commercial Law Article.

9. RESERVATION OF RIGHTS. Nordstrom Bank reserves the right not to assess 
part or all of any fee or other amounts, or not to exercise any other of its rights 
under this Agreement, and, by doing so, Nordstrom Bank will not have waived 
its right to assess such fee or other amounts or exercise other rights under this 
Agreement in the future. Nordstrom Bank reserves the right to reject, or refuse to 
accept, payments or credits for any reason, including based on the frequency or 
amount of the transaction, or as set forth in Part II, paragraph 1, below. 

 10. CREDIT REPORTING; INACCURATE INFORMATION. I hereby authorize 
Nordstrom Bank at its discretion to furnish information concerning my Credit Card 
Account and Nordstrom debit card transactions to consumer reporting agencies 
and others who may properly receive such information. I may provide written 
notification to Nordstrom Bank at P.O. Box 13589, Scottsdale, AZ 85267, if I believe 
Nordstrom Bank has information about me that is inaccurate, or that Nordstrom 
Bank has reported or may report to a consumer reporting agency information 
about me that is inaccurate.  

11. AUTHORIZATIONS. Some purchases made with my Credit Card Account or 
Nordstrom debit card will require Nordstrom Bank’s prior authorization, and I may 
be asked to provide identification. If Nordstrom Bank’s authorization system is 
not working, it may not be able to authorize a transaction, even if my Credit Card 
Account has sufficient available credit, and even if the Deposit Account accessed 
by my Nordstrom debit card has sufficient funds in it. Nordstrom Bank will not be 
liable to me if any of these events happen. Nordstrom Bank is not responsible for 
the refusal of anyone to accept or honor my credit card or Nordstrom debit card. 

12. ASSIGNMENT. I may not sell, assign, or transfer my Credit Card Account, or 
Nordstrom debit card, without first obtaining Nordstrom Bank’s prior written 
consent. Nordstrom Bank may assign my Credit Card Account or Nordstrom  
debit card and Nordstrom Bank’s rights under this Agreement without prior  
notice to me. 

13. USE OF CARD. I understand and agree that I may use my Credit Card Account 
and/or Nordstrom debit card only for personal, family, and household purposes, 
and I may not use my Credit Card Account or Nordstrom debit card for any illegal 
purpose. Joint account holders shall have the right to use the Credit Card account 
or Nordstrom debit card (as applicable), to the extent of any credit limits for Credit 
Card Accounts or daily spending limits for debit cards. 

14. CHANGE OF RESIDENCE. If I move, I agree to promptly notify Nordstrom Bank  
of my new address. 

15. TELEPHONE COMMUNICATIONS. Nordstrom Bank treats all customer calls 
as confidential per Nordstrom Bank’s Privacy Notice. I agree that my telephone 
conversations with representatives of Nordstrom Bank may be monitored  
and/or recorded for quality assurance and other appropriate purposes, unless, 
at the commencement of each telephone conversation, I advise the Nordstrom 
Bank representative that I do not wish the call to be monitored and/or recorded. 
I authorize Nordstrom Bank to make telephone calls to me or to send me text 
messages at any telephone number I have given to Nordstrom Bank or from 
which I have telephoned Nordstrom Bank, including, without limitation, cellular 
or mobile phones. I authorize Nordstrom Bank to make such telephone calls and/
or leave prerecorded messages, using automatic telephone dialing devices at any 
telephone number I have given to Nordstrom Bank for any purpose related to my 
Credit Card Account or Nordstrom debit card. 

STATE-SPECIFIC INFORMATION

Florida Residents: I agree that, should Nordstrom Bank obtain a judgment 
against me, a portion of my disposable earnings may be attached or garnished 
(paid to Nordstrom Bank by my employer), as provided by Florida and federal law.

New Jersey Residents: Because certain provisions of this Agreement are subject 
to governing law, they may be void, unenforceable, or inapplicable in some 
jurisdictions. None of these provisions are void, unenforceable, or inapplicable 
within New Jersey. 

PART II — CREDIT CARD ACCOUNTS 

1. MONTHLY PAYMENTS. Each month, I agree to pay at least the Minimum 
Payment Due shown on my monthly billing statement no later than the payment 
Due Date shown on the monthly billing statement. The Minimum Payment Due 
is the sum of the Current Due and any past due amount. The Current Due is 
calculated as shown under Part II, paragraph 2, below (“MINIMUM MONTHLY 
PAYMENTS”) and includes any “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 Bank at the address shown on my monthly billing statement. Any 
payment received by Nordstrom Bank at this address after 5:00 p.m. Mountain 
Standard Time (Arizona) on any business day will be credited to my Credit Card 
Account on the next business day. I must include my payment stub, and not send 
cash. If any payment does not conform to these requirements, the payment 
may not be credited to my Credit Card Account for up to five (5) days, or may be 
rejected. I understand that a credit may not be treated as a payment and will not 
satisfy the Minimum Payment Due, and that there may be a delay in the posting of 
a credit on my Credit Card Account. I also understand that, at Nordstrom Bank’s 
discretion, funds processed through a money transfer program may be rejected 
or accepted and posted to my Credit Card Account as a payment or a credit.

2. MINIMUM MONTHLY PAYMENTS. 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. 

3. SPECIAL PAYMENT OPTIONS. From time to time Nordstrom Bank may permit 
me the flexibility to reduce my Annual Percentage Rate or interest charge, or take 
advantage of other options Nordstrom Bank may make available. Nordstrom Bank 
will provide me details of these special programs at the time they are offered.  

4. INTEREST CHARGES. 

A. Balance Categories. Interest charges are calculated separately for Purchases 
and Cash Advances. “Purchases” are purchases of goods or services from a 
Nordstrom or other merchant location. “Cash Advances” are advances from an 
automated teller machine (ATM); through a convenience check, home banking, a 
financial institution, casino, hotel, or similar location; by making a wire transfer, 
balance transfer, or bill payment; by acquiring a money order, traveler’s check, 
lottery ticket, casino chip, or similar item; or other similar transactions. 

Interest Charges will be calculated separately for Nordstrom and Non-Nordstrom 
Purchases. “Nordstrom Purchases” are purchases I make using my Nordstrom 
retail or Nordstrom Visa card at Nordstrom locations, including Nordstrom 
full-line stores, Nordstrom Rack stores, nordstrom.com, nordstromrack.com, 
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 4.B, 
Nordstrom Bank will consider credits to my Credit Card Account resulting from an 
exchange or return of a Purchase included in my Previous Month’s New Balance 
only when determining whether I have paid the entire New Balance shown on my 
monthly billing statement by the payment Due Date.  

C. When Interest Charges Begin to Accrue on Cash Advances. There is no  
“grace period” for Cash Advances. The interest charge on any Cash Advance 
begins on the date of the transaction. This paragraph 4.C applies only to Credit 
Card Accounts that have a Cash Advance feature. 

D. Daily Balance Method for Computation of the Balances Subject to 
Interest Charges. Nordstrom Bank figures the interest charge by applying the 
periodic rate (as described below in Part II, paragraph 4.E) to the “daily balance” 
of my account for each day in the billing cycle. To get the “daily balance” of a 
Balance Category, Nordstrom Bank takes the beginning balance of that Balance 
Category each day, adds any new transactions or charges, and subtracts any 
credits or payments (or portions thereof) that are applicable to that Balance 
Category.  
This gives us the daily balance for each Balance Category. 

Each day’s interest charge on a Balance Category is added to the daily balance of 
that Balance Category to get the beginning balance for the next day and will be 
part of the Balance Category on which future interest charges are assessed until 
paid. The total interest for a billing cycle is equal to the sum of the daily interest 
for each day in the billing cycle. 

Late Payment Fees and/or Return Payment Fees are prorated and allocated to the 
Balance Categories based on the balances of my Balance Categories on the day I 
incurred the Late Payment Fee or Return Payment Fees. Miscellaneous fees will be  
added to my Nordstrom Purchase Balance Category on the day I incurred the fee. 

Nordstrom Bank will round daily interest charge calculations for a Balance 
Category to the nearest whole cent. If I paid in full the New Balance shown on  
my previous month’s billing statement by the specified payment Due Date,  
Nordstrom Bank will consider my daily balance of Nordstrom Purchases and Non-
Nordstrom Purchases to be zero for each day of the current month’s billing cycle. 
A credit balance on a Balance Category is considered to be zero for purposes of 
calculating the balance subject to interest charges. 

E. Interest Charge Rates. The Daily Periodic Rate for a Balance Category is 
determined by dividing the ANNUAL PERCENTAGE RATE for the Balance Category 
by 365. The ANNUAL PERCENTAGE RATE for a Balance Category is determined by 
adding a percentage rate (called a “Margin”) to the Prime Rate for a billing cycle. 

The ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) for a Balance Category 
may vary from billing cycle to billing cycle if the Prime Rate for a billing cycle 
changes. The “Prime Rate” is the highest prime rate published in the “Money 
Rates” section of The Wall Street Journal print edition on the 15th day of a month, 
or the next business day if the 15th is not a business day. The Prime Rate for a 
billing cycle is the Prime Rate most recently available as of the beginning of  
the billing cycle. 

Any change in the ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) will take 
effect on the first day of the next billing cycle following a change in the Prime 
Rate and will apply to any outstanding balance on my Credit Card Account. If the 
ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) increases, the amount of the 
interest charges and the Current Due may increase. 

The ANNUAL PERCENTAGE RATES that may apply to a Balance Category are the 
“Standard ANNUAL PERCENTAGE RATES” for the Balance Category (described in 
Part II, paragraph 4.F) and the “Penalty ANNUAL PERCENTAGE RATE” (described in 
Part II, paragraph 4.H). Nordstrom Bank will tell me the current Standard ANNUAL 
PERCENTAGE RATE for Nordstrom Purchases on the temporary shopping card I 
receive if I open my Credit Card Account in a Nordstrom store location. All of the 
Standard ANNUAL PERCENTAGE RATES (and Daily Periodic Rates) applicable to my 
Credit Card Account will be disclosed in the supplement to this Agreement I will 
receive with my Nordstrom credit card or Visa credit card.

F. Standard ANNUAL PERCENTAGE RATES. The Standard ANNUAL PERCENTAGE 
RATE(S) that apply to Purchases are based on my creditworthiness and described 
below in Tiers I through IV.  Nordstrom Bank will tell me the Standard ANNUAL 
PERCENTAGE RATE(S) that apply to my Nordstrom Credit Card 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  
August 15, 2016, this ANNUAL PERCENTAGE RATE was 11.15% (Daily Periodic  
Rate of 0.03055%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the 
Prime Rate plus a Margin of 11.65 percentage points. As of August 15, 2016, this 
ANNUAL PERCENTAGE RATE was 15.15% (Daily Periodic Rate of 0.04151%).

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  
August 15, 2016, this ANNUAL PERCENTAGE RATE was 15.15% (Daily Periodic  
Rate of 0.04151%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the 
Prime Rate plus a Margin of 15.65 percentage points. As of August 15, 2016, this 
ANNUAL PERCENTAGE RATE was 19.15% (Daily Periodic Rate of  0.05247%).

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  
August 15, 2016, this ANNUAL PERCENTAGE RATE was 19.15% (Daily Periodic  
Rate of  0.05247%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the 
Prime Rate plus a Margin of 19.65 percentage points. As of August 15, 2016, this 
ANNUAL PERCENTAGE RATE was 23.15% (Daily Periodic Rate of  0.06342%). 

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 August 15, 2016, this ANNUAL PERCENTAGE RATE was 
23.15% (Daily Periodic Rate of 0.06342%).

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 August 15, 2016, this ANNUAL PERCENTAGE RATE was 27.15% (Daily 
Periodic Rate of  0.07438%). This paragraph 4.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 August 15, 2016, this ANNUAL PERCENTAGE RATE was 30.15% (Daily 
Periodic Rate of  0.08260%).

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. 

5. CASH ADVANCE FEE. For each Cash Advance on my Credit Card Account 
(including advances to me directly or to someone else at my direction), Nordstrom 
Bank will assess a Cash Advance Fee in an amount equal to 5% of the amount of 
the Cash Advance or $10, whichever is greater. This paragraph 5 applies only to 
Credit Card Accounts that have a Cash Advance feature. 

6. PENALTY FEES. 

A. Late Payment Fee. My Credit Card Account will be subject to a Late Payment 
Fee of up to $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, Nordstrom Bank may charge me, and I agree to 
pay a Returned Payment Fee of up to $25. Nordstrom Bank may assess this fee the 
first time any one of my payment(s) is not honored or paid, even if such payment 
is later paid following resubmission. Nordstrom Bank does not have to attempt to 
collect any payment more than once. 

7. CREDIT LIMIT. I agree that Nordstrom Bank may establish credit limits and that 
my credit purchases and cash advances at any one time will not exceed my credit 
limits. I will be advised of my initial credit line at the time I receive my credit card. 
I agree that Nordstrom Bank may change my credit line from time to time based 
upon Nordstrom Bank’s evaluation of changes in my credit capacity. If I exceed my 
credit line, Nordstrom Bank has the right to refuse further purchases or advances, 
and to suspend or cancel my account under the terms of this Agreement. 
Nordstrom Bank will identify any subsequent changes to my credit line on my 
periodic billing statements.

8. AVAILABLE CREDIT. After a payment or credit is posted to my Credit Card 
Account, or after Nordstrom Bank learns my payment has been dishonored and 
attempts to resubmit my payment, it may take up to 21 days before my total 
available credit is restored in an amount equivalent to the payment or credit 
amount. For example, if I pay my account balance in full, it may take up to 21 days 
after my payment is made before that payment is considered in determining the 
amount I can borrow on my account.

9. APPLICATION OF PAYMENTS. Unless otherwise required by applicable law, 
Nordstrom Bank will apply payments, up to the Minimum Payment Due, to amounts 
owing on my Credit Card Account in the following order: interest charges, fees, old 
cash advances, old purchases (when applicable, to Purchase Balance Categories 
with higher Standard ANNUAL PERCENTAGE RATES first), new cash advances, and 
new purchases (when applicable, to Purchase Balance Categories with higher 
Standard ANNUAL PERCENTAGE RATES first). Nordstrom Bank will apply payments 
in excess of the Minimum Payment Due to amounts owing on my Credit Card 
Account in a manner specified by federal law. 

10. DEFAULT. Subject to applicable law, Nordstrom Bank may, at its option, 
declare me to be in default if I fail to comply with any provision of this Agreement, 
including failing to make a required payment when due or exceeding my Credit 
Card Account credit limit, or if I file for bankruptcy or am otherwise insolvent, or 
if Nordstrom Bank determines, in its sole discretion, that the prospect of payment 
on my Credit Card Account has become significantly impaired. If I am in default, 
(a) unless otherwise prohibited by applicable law, Nordstrom Bank may require 
that I pay the entire balance on my account immediately, at any time, even though 
Nordstrom Bank did not require me to pay the entire balance on any previous 
occasion when I was in default, and (b) I will pay all collection costs, including 
reasonable attorneys’ fees and legal costs, if Nordstrom Bank refers my Credit 
Card Account for collection to an attorney other than a salaried employee of 
Nordstrom Bank or the holder of the account, to the extent not prohibited by 
applicable law. Balances in default on my Credit Card Account may be set-off 
against any credit balances on any of my other Nordstrom Bank Credit  
Card Account(s). 

11. CURRENCY CONVERSION RATE. If a charge or cash advance made outside 
of the U.S. is converted into U.S. Dollars, Visa will select either (1) a rate from the 
range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa itself receives, or (2) a 
government-mandated rate in effect for the applicable central processing date.

STATE-SPECIFIC INFORMATION

California Residents: If you are married, you may apply for credit in your  
own name.

Maine Residents: We may obtain a consumer report in connection with your 
application for credit. You may ask whether a consumer report was obtained by us, 
and we will tell you the name and address of the consumer reporting agency,  
if a report was obtained.

New Hampshire Residents: I understand that reasonable attorneys’ fees will be 
awarded to me if I prevail in any action or suit brought by Nordstrom Bank. Also, 
if I successfully assert a partial defense or counterclaim to an action brought by 
Nordstrom Bank, the court may withhold from Nordstrom Bank the entire amount 
or such portion of the attorneys’ fees as the court considers equitable.

New York Residents: 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 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.

Wisconsin Residents: No provision of a marital property agreement, a unilateral 
statement under section 766.59 Wis. Stats, or a court decree under section 766.70 
Wis. Stats. adversely affects the interest of the creditor unless the creditor, prior  
to the time credit is granted, is furnished a copy of the agreement, statement,  
or decree, or has actual knowledge of the adverse provision when the obligation  
to the creditor is incurred. Married Wisconsin residents must furnish their account 
number, and spouse’s name and address, to Nordstrom Bank at P.O. Box 13589, 
Scottsdale, AZ 85267. 

PART III — NORDSTROM DEBIT CARD

1. ELECTRONIC FUNDS TRANSFER TYPES AND LIMITATIONS. 

A. Electronic Funds Transfers Generally. Whenever I use (or allow someone 
else to use) my Nordstrom debit card, I authorize Nordstrom Bank to initiate an 
electronic funds transfer for the full amount of the transaction, and any related 
fees (see Part III, paragraph 3, below) I may owe to Nordstrom Bank in connection 
with my use of the Nordstrom debit card (hereinafter, a “Nordstrom debit card 
EFT”), from my designated deposit account at another financial institution (“my 
Deposit Account”). I understand that Nordstrom Bank may limit the type of 
deposit account I may designate. I represent and warrant to Nordstrom Bank that 
I am an owner of my Deposit Account and I am authorized to make withdrawals 
from my Deposit Account. I understand and agree that Nordstrom Bank may 
aggregate multiple transactions into a single Nordstrom debit card EFT from my 
Deposit Account and such Nordstrom debit card EFT may occur several business 
days after my transaction(s) has occurred, and after the date shown on my 
transaction receipt(s) (if applicable). I acknowledge and agree that I shall not 
use my Nordstrom debit card to make purchases pursuant to this Agreement for 
amounts in excess of available funds I have in my Deposit Account, including, as 
applicable, any available overdraft line of credit I may have in connection with 
my Deposit Account as of the date the financial institution holding my Deposit 
Account receives and processes the Nordstrom debit card EFT request from 
Nordstrom Bank. 

Nordstrom Bank may resubmit a Nordstrom debit card EFT request one or more 
times, at Nordstrom Bank’s option and in Nordstrom Bank’s sole discretion, if the 
financial institution holding my Deposit Account has not sent funds equal to the 
total previously requested Nordstrom debit card EFT amount.

B. Point of Sale (POS) Purchases. I may only use my Nordstrom debit card to 
pay for goods and services at participating Nordstrom and Nordstrom-affiliated 
retail stores in the United States, in person, by telephone, at Nordstrom websites, 
and on the Nordstrom gift card website hosted by CashStar®. I understand at this 
time the Nordstrom debit card cannot be used to make purchases at Nordstrom 
stores located in Canada. If I make an exchange of an item previously purchased 
through my Nordstrom debit card for another item, and the purchase price of 
the new item is less than that of the item exchanged, my Deposit Account will be 
credited only for the difference in the purchase price. If the purchase price of 
the item is more than that of the item exchanged, Nordstrom Bank will initiate 
a Nordstrom debit card EFT for the difference in the purchase price. I may be 
required to present my Nordstrom debit card if I wish to use it to pay for goods 
or services in person. At Nordstrom’s discretion, I may be allowed to make POS 
purchases without presenting my debit card by providing other information 
acceptable to Nordstrom. If I wish to use my Nordstrom debit card in connection 
with a telephone or Nordstrom website purchase, I may be required to provide 
a security code or personal identification number, in addition to the number 
printed on the back of my Nordstrom debit card, and/or other personal identifying 
information.

C. Purchase Limitations. When I use my Nordstrom debit card, I will be limited 
by the amount of funds in my Deposit Account and any available overdraft line 
of credit that I may have in connection with my Deposit Account (if applicable), 
as of the date the financial institution holding my Deposit Account receives and 
processes a Nordstrom debit card EFT request. (See also subparagraph D, below, 
for additional transaction limitations.) 

D. Other Transaction Limitations. For security reasons, and to reduce the risk 
of fraud, Nordstrom Bank may limit the number of times I may use my Nordstrom 
debit card, and the total dollar amount of purchases that I may make with my 
Nordstrom debit card, during any business day and/or during any 24-hour 
time period. For example, Nordstrom Bank may limit the total dollar amount 
of purchases I may make with my Nordstrom debit card to $300 a day (or any 
higher or lower dollar amount determined by Nordstrom Bank). For security and 
antifraud reasons, I understand and agree that the exact dollar limit on (and the 
limit on the number of) Nordstrom debit card EFTs in any 24-hour time period or 
during any business day may change from time to time without any notice to me. I 

understand and agree that the daily dollar limit on my Nordstrom debit card may 
be less than the dollar amount of available funds in my Deposit Account. 

I cannot use my Nordstrom debit card at an automated teller machine (ATM) or at 
non-participating retail stores or anywhere outside the United States. 

I cannot use my Nordstrom debit card to obtain cash back in connection with a 
Nordstrom debit card purchase transaction. I cannot use my Nordstrom debit card 
to authorize recurring preauthorized payments from my Deposit Account.

2. UNPAID NORDSTROM DEBIT CARD EFTS. The financial institution holding my 
Deposit Account may return as unpaid a Nordstrom debit card EFT if, for example, 
my Deposit Account does not have sufficient available funds in it to cover the 
full amount of the Nordstrom debit card EFT, or my Deposit Account is closed, 
or for other reasons. Additionally, if I receive a credit to my Deposit Account 
from Nordstrom Bank due to a suspected Nordstrom debit card EFT error, and 
Nordstrom Bank later determines there was no error, Nordstrom Bank may deem 
such Nordstrom debit card EFT as unpaid. In the event a Nordstrom debit card 
EFT is returned and/or deemed unpaid, such funds owed to Nordstrom Bank will 
become immediately due and payable to Nordstrom Bank. I agree to pay in U.S. 
Dollars the full amount of the unpaid Nordstrom debit card EFT, and any applicable 
Returned Payment Fees, described in Part III, paragraph 3, below (collectively, 
the “Total Now Due”). I further acknowledge and agree that Nordstrom Bank 
may suspend my use of my Nordstrom debit card until Nordstrom Bank receives 
payment in full of the Total Now Due. 

3. NORDSTROM DEBIT CARD FEES. 

A. Returned Payment Fee. Nordstrom Bank may charge me and I agree to pay 
a Return Payment fee of up to $25, or the amount allowed by applicable law, if 
a Nordstrom debit card EFT is returned unpaid for any reason by the financial 
institution holding my Deposit Account. I authorize Nordstrom Bank to initiate an 
electronic fund transfer for such Returned Payment Fee from my Deposit Account 
automatically, after Nordstrom Bank receives notice of an unpaid Nordstrom debit 
card EFT. Nordstrom Bank may charge me and I agree to pay a Return Payment 
fee of up to $25, or the amount allowed by applicable law, if any payment to 
Nordstrom Bank for amounts I owe in connection with my Nordstrom debit card 
(such as a check, draft, or similar instrument) is uncollectible or is dishonored 
for any reason. Nordstrom Bank may assess this fee the first time any one of my 
payment(s) is not honored or paid, even if such payment is later paid following 
resubmission. Nordstrom Bank does not have to attempt to collect a payment 
more than once. 

B. Other Fees. When I complete a Nordstrom debit card POS purchase, I may 
be charged a fee by the financial institution holding my Deposit Account. The 
financial institution holding my Deposit Account will retain this fee. 

4. NORDSTROM DEBIT CARD RECEIPTS, STATEMENTS,  
AND TRANSACTIONAL QUESTIONS. 

A. Receipts. I will receive a receipt at the time I make any POS purchase in person 
with my Nordstrom debit card. I may not receive receipts in connection with 
telephone or Nordstrom website purchases made with my Nordstrom debit card. 

B. Transaction Questions. ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH 
MY NORDSTROM DEBIT CARD MUST BE DIRECTED TO NORDSTROM BANK, AND 
NOT TO THE FINANCIAL INSTITUTION HOLDING MY DEPOSIT ACCOUNT. Nordstrom 
Bank is responsible for the Nordstrom debit card and for resolving any errors in 
transactions made with the Nordstrom debit card. Nordstrom Bank will not send 
me a periodic statement listing transactions that I make using my Nordstrom 
debit card. The transactions will appear only on the statement issued by the 
financial institution holding my Deposit Account. I WILL SAVE THE RECEIPTS I AM 
GIVEN WHEN I USE MY NORDSTROM DEBIT CARD, AND CHECK THEM AGAINST THE 
ACCOUNT STATEMENT I RECEIVE FROM MY FINANCIAL INSTITUTION. If I have any 
questions about one of these transactions, I will call or write Nordstrom Bank as 
described more fully in Part III, paragraph 5, below, and Part IV, Nordstrom Debit 

Card Error Resolution Notice. Nordstrom Bank offers electronic statements,  
and I may visit nordstromcard.com to learn more about the availability of  
electronic statements.  

5. UNAUTHORIZED NORDSTROM DEBIT CARD EFTS AND LOST OR STOLEN 
NORDSTROM DEBIT CARDS. 

A. Consumer Liability. I will tell Nordstrom Bank AT ONCE if I believe my 
Nordstrom debit card or Nordstrom debit card number or security code or 
personal identification number (if applicable) has been lost or stolen. Telephoning 
Nordstrom Bank is the best way of keeping my possible losses  
down. I could lose all the money in my Deposit Account (plus, if applicable, my 
maximum overdraft line of credit) that can be accessed by the Nordstrom debit 
card. If I tell Nordstrom Bank within four (4) business days, I can lose no more than 
$50 if someone used my Nordstrom debit card or Nordstrom debit card number 
or security code or personal identification number (if applicable) without my 
permission. If I do NOT tell Nordstrom Bank within four (4) business days after 
I learn of the loss or theft of my Nordstrom debit card or Nordstrom debit card 
number or security code or personal identification number (if applicable), and 
Nordstrom Bank can prove that Nordstrom Bank could have stopped someone 
from using my Nordstrom debit card or Nordstrom debit card number without  
my permission if I had told Nordstrom Bank, I could lose as much as $500. 

Also, if I receive a statement from the financial institution holding my Deposit 
Account that shows Nordstrom debit card EFTs that I did not make, I must tell 
Nordstrom Bank at once. If I do not tell Nordstrom Bank within 90 days after 
the financial institution mailed the statement, I may not get back any money I 
lost after the 90 days if Nordstrom Bank can prove that Nordstrom Bank could 
have stopped someone from taking the money if I had told Nordstrom Bank in 
time. If a good reason (such as a long trip or a hospital stay) kept me from telling 
Nordstrom Bank, Nordstrom Bank will extend the time periods. 

B. Contact in Event of Unauthorized Transfer. If I believe my Nordstrom debit 
card and/or security code or personal identification number (if applicable) has 
been lost or stolen or that someone has used or may use my Nordstrom debit card 
without my permission, I will call Nordstrom Bank toll-free at 1.866.445.0426, or 
write: Nordstrom Bank, P.O. Box 13589, Scottsdale, AZ 85267. 

6. DEFAULT. Nordstrom Bank may, at its option, declare me to be in default if I fail  
to comply with any provision of this Agreement, including, without limitation,  
if Nordstrom Bank receives notice of an unpaid Nordstrom debit card EFT, or if I 
file for bankruptcy or am otherwise insolvent, or if Nordstrom Bank determines, in 
its sole discretion, that the prospect of payment of what I owe in connection with 
my Nordstrom debit card has become significantly impaired. 

If I am in default, (a) Nordstrom Bank may terminate my Nordstrom debit card 
and my ability to use my Nordstrom debit card, and require that I pay the entire 
amount I owe in connection with my Nordstrom debit card in full, immediately, 
at any time and without notice (subject to any restrictions under applicable law), 
even though Nordstrom Bank did not require me to pay the entire amount I owe 
on any previous occasion when I was in default, and (b) I will pay all collection 
costs, including reasonable attorneys’ fees and court costs, if Nordstrom Bank 
refers what I owe in connection with my Nordstrom debit card for collection to  
an attorney other than a salaried employee of Nordstrom Bank or the holder of 
the Nordstrom debit card, to the extent not prohibited by applicable law. Any 
past due amounts I owe in connection with my Nordstrom debit card may be set-
off against any credit balances on any of my other Nordstrom Bank Credit Card 
Account(s).

7. APPLICATION OF PAYMENTS. Unless otherwise required by applicable law, 
Nordstrom Bank will apply my Nordstrom debit card EFT or other forms of 
payment in the following order: Returned Payment Fees; old Nordstrom debit card 
purchases; and new Nordstrom debit card purchases. 

8. BUSINESS DAYS. For purposes of this Part III and Part IV Nordstrom debit card 
Error Resolution Notice, Nordstrom Bank’s “Business Days” are Monday through 
Friday, excluding Saturdays, Sundays, and federal holidays.  

9. NORDSTROM BANK’S LIABILITY. If Nordstrom Bank does not process a 
Nordstrom debit card EFT from my Deposit Account in a timely manner or in the 
correct amount according to this Agreement, Nordstrom Bank will be liable for my 
losses or damages. However, there are some exceptions. Nordstrom Bank will not 
be liable, for instance: 

•  If, through no fault of Nordstrom Bank, I do not have enough money in my 
Deposit Account to cover the Nordstrom debit card EFT on the date the 
financial institution holding my Deposit Account receives and processes the 
Nordstrom debit card EFT; or

•  If I have an overdraft line of credit associated with my Deposit Account, and 
the Nordstrom debit card EFT would go over the credit limit; or

•  If the POS terminal or system used to process Nordstrom debit card EFTs was 
not working properly and I knew about the breakdown when I started the 
Nordstrom debit card purchase transaction; or

•  If circumstances beyond Nordstrom Bank’s control (such as fire, flood, or 
power failure) prevent the processing of the Nordstrom debit card EFT, 
despite reasonable precautions that Nordstrom Bank has taken; or

•  There may be other exceptions stated in this Agreement.

10. CONFIDENTIALITY. 

Nordstrom Bank will disclose information to third parties about my Deposit 
Account or the Nordstrom debit card EFTs I make: 

• Where it is necessary for completing Nordstrom debit card EFTs; or

•  In order to verify the existence and condition of my Deposit Account or 

Nordstrom debit card for a third party, such as a credit bureau or merchant; 
or

• In order to comply with government agency or court orders; or

• If I give Nordstrom Bank written permission; or

• As otherwise provided in Nordstrom Bank’s Privacy Notice.

I agree to Nordstrom Bank’s collection, use, and sharing of information about  
my Nordstrom debit card EFTs as provided in Nordstrom Bank’s Privacy Notice,  
which I will receive with my Nordstrom debit card

Christopher E. Owen, President 
Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267

PART IV — CONSUMER DISCLOSURE STATEMENTS 

CREDIT CARD ACCOUNTS 

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. 

What To Do If You Find A Mistake On Your Statement 

If you think there was an error on your statement, write to us at: 

Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267

In your letter, give us the following information: 

• Account Information: Your name and account number.

• Dollar Amount: The dollar amount of the suspected error.

• Description of Problem: If you think there is an error on your bill,  
  describe what you believe is wrong and why you believe it is a mistake.

You must contact us: 

• Within 60 days after the error appeared on your statement.

• At least 3 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. 

 
 
For errors involving POS transactions, we may take up to 90 days to investigate  
your complaint or question. We will tell you the results within three business days 
after completing our investigation. If we decide that there was no error, we will 
send you a written explanation. You may ask for copies of the documents that we 
used in our investigation. 

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 Bank 
P.O. Box 13589 
Scottsdale, AZ 85267 

While we investigate, the same rules apply to the disputed amount as discussed 
above. After we finish our investigation, we will tell you our decision. At that  
point, if we think you owe an amount and you do not pay, we may report you  
as delinquent. 

NORDSTROM DEBIT CARD

ERROR RESOLUTION NOTICE 

In Case of Errors or Questions about Nordstrom debit card EFTs:

Telephone Nordstrom Bank toll-free at 1.866.445.0426 or write Nordstrom Bank at: 

Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267

as soon as you can, if you think your Nordstrom debit card statement or 
Nordstrom debit card receipt is wrong, or if you need more information about a 
Nordstrom debit card EFT listed on the statement or receipt. We must hear from 
you no later than 90 days after the FIRST deposit account statement from the 
financial institution holding your deposit account on which the problem or  
error appeared. 

1. Tell us your name and Nordstrom debit card number.

2.  Describe the error or the Nordstrom debit card EFT you are unsure about,  
and explain as clearly as you can why you believe it is an error or why you 
need more information.

3. Tell us the dollar amount of the suspected error. 

If you tell us orally, we may require that you send us your complaint or question in 
writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear 
from you, and will correct any error promptly. If we need more time, however, we 
may take up to 45 days to investigate your complaint or question. If we decide to 
do this, we will credit your Deposit Account within 10 business days for the amount 
you think is in error, so that you will have the use of the money during the time 
it takes us to complete our investigation. If we ask you to put your complaint or 
question in writing and we do not receive it within 10 business days, we may not 
credit your Deposit Account. 

,

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PART V — NORDSTROM REWARDS CARDHOLDER TERMS AND CONDITIONS 

Definitions

The Nordstrom Rewards Program (the “Program”) is offered exclusively by 
Nordstrom, Inc. (“Nordstrom”). By activating or using your Nordstrom credit or 
debit card account (“Nordstrom Card”) you agree to the Nordstrom Rewards 
Cardholder Terms and Conditions (“Rewards Terms and Conditions”) as they may 
change from time to time. You acknowledge that you have read these Rewards 
Terms and Conditions and agree to be bound by them. These Rewards Terms 
and Conditions take effect on the earlier of the date that your application for a 
Nordstrom Card is approved, or the date you are able to use your Nordstrom Card 
to make purchases or obtain cash advances.

In these Rewards Terms and Conditions, the phrase “Net Purchases” means 
purchases less returns, “we”, “our,” and “us” mean Nordstrom, and “you”  
and “your” mean each person issued a Nordstrom Card pursuant to the 
Nordstrom Bank Cardholder Agreement; Consumer Disclosures (the  
“Nordstrom Bank Agreement”). 

General Terms & Conditions 

We reserve the right to change these Rewards Terms and Conditions or the 
Program at any time and in any way (including our right to discontinue or change 
the benefits or change the expiration date of Rewards points received under the 
Program, or to adjust the number of Rewards points received for each dollar in 
Net Purchases), as we explain further below. We will give you notice if we end the 
Program or make any major change to it.

We reserve the right to cancel your participation in the Program, in the event  
of fraud, abuse of Rewards privileges, or violation of these Rewards Terms  
and Conditions. 

You are responsible for any tax liability related to your participation in and/or 
your purchase of any of the benefits associated with the Program. 

These Rewards Terms and Conditions will be governed by the laws of the State 
of Washington, without regard to any conflict of law provisions. If any part of 
these Rewards Terms and Conditions is found to be void or unenforceable under 
applicable law, all other parts of the Rewards Terms and Conditions will still apply.

Many of the benefits associated with the Program are offered exclusively through 
Nordstrom. In many cases, we may contract with independent contractors to 
administer these benefits, including, but not limited to, the issuance of travel 
documentation, administrative services, and travel reservations. We do not own 
or control the independent contractors used to administer these benefits. Neither 
we, nor these independent contractors, nor our respective subsidiaries maintain 
control over the independent suppliers used to provide accommodations and/or 
services as part of fulfilling these benefits. We and our independent contractors 
do not assume responsibility for any travel or other services provided by any 
independent supplier. You release us, our independent contractors, and our 
respective subsidiaries from any responsibility and/or liability for any loss, 
injury, damage, accident, delay, inconvenience, or irregularity that you or any 
other person may suffer due to any cause relating to the Program or the use of 
any facilities, services, or goods in connection with any travel or other service 
provided by any independent supplier. 

In order to access certain benefits associated with the Program, you agree that 
you may be asked to provide personal information about yourself, such as your 
shipping address, your Nordstrom Card information, and billing address, and that 
the information you provide will be disclosed to merchants and other third parties 
as necessary to obtain these benefits. We and our independent contractors have 
no control over, and no responsibility or liability for, the use by any merchants 
or other third parties of your personal information or any other information that 
such parties independently obtain from you or that is given to such parties to 
process your transactions or fulfill your benefits. You should check their privacy 
policies before entering into any transaction with them to obtain these benefits. 
We will protect your information as set forth in the “Your Privacy Rights” link 
found at nordstrom.com.

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Who is eligible?

When you are approved for your Nordstrom Card, you are automatically  
enrolled in Level 1 of the Program and will receive Rewards points for Net 
Purchases made with your Nordstrom Card as described below. Your eligibility 
for Levels 2, 3, and 4 of the Program will be reviewed quarterly and will be based 
on your Net Purchases made using your Nordstrom Card at Nordstrom retail 
locations in the U.S. and Canada, including Nordstrom full-line stores in the  
U.S. and Canada, Nordstrom Rack stores in the U.S., nordstrom.com,  
nordstromrack.com, HauteLook, through Nordstrom catalogs and on the 
Nordstrom gift card website hosted by CashStar® (“Net Purchases at Nordstrom”). 
These locations are individually and together referred to, below, as “Nordstrom.” 
Purchases at Trunk Club, Inc. are eligible for Rewards points but  are not eligible 
for any other benefits associated with the Program. Just Jeffrey, Inc. (Jeffrey 
Boutiques) does not participate in the Program and any purchases made at these 
boutiques are not eligible for any benefits associated with the Program.

To be eligible for Level 2 of the Program, you must use your Nordstrom Card to 
purchase an annual minimum of $2,000 in Net Purchases at Nordstrom; to be 
eligible for Level 3 of the Program, you must use your Nordstrom Card to purchase 
an annual minimum of $5,000 in Net Purchases at Nordstrom; and to be eligible 
for Level 4 of the Program, you must use your Nordstrom Card to purchase an 
annual minimum of $10,000 in Net Purchases at Nordstrom. Except as described 
below, once you reach the qualifying Net Purchases at Nordstrom for Levels 2, 
3, or 4, your benefits at each level include all of the benefits associated with the 
preceding Level(s) of the Program. Your Net Purchases at Nordstrom will be reset 
to zero annually at the beginning of each calendar year.

You are eligible to receive Rewards points and the benefits associated with Level 
1, 2, 3, or 4 (subject to the qualifying Net Purchases at Nordstrom stated above) as 
long as your Nordstrom Card remains open and you have complied with all of your 
obligations under the Nordstrom Bank Agreement.  

Purchases by Nordstrom employees, including purchases made by employees 
using an employee discount, are eligible to receive Rewards points for Net 
Purchases made with a Nordstrom Card, but will not be eligible for any other 
benefits associated with Levels 1, 2, 3, and 4 of the Program. 

How can you receive Nordstrom Rewards points?

You will receive two Rewards points for every dollar in Net Purchases at 
Nordstrom and Trunk Club, Inc. made using your Nordstrom Card. You will receive 
one Rewards point for every dollar in Net Purchases made with your Nordstrom 
Visa Card at merchants (other than Nordstrom and Trunk Club, Inc.) where Visa 
credit cards are accepted. Nordstrom Rewards points are not transferable.

When will you receive Nordstrom Notes?

You will receive $20 in Nordstrom Notes for every 2,000 Rewards points you 
receive. We will update your Rewards points balance monthly and Nordstrom 
Notes will be automatically issued to you a short time after that. 

How do you use Nordstrom Notes?

Nordstrom Notes may be redeemed for purchases at any full-line Nordstrom 
store in the U.S. or Canada or at Nordstrom Rack stores in the U.S., and online at 
nordstrom.com, nordstromrack.com or HauteLook. Nordstrom Notes may not 
be used as payment on your Nordstrom Card. The value of Nordstrom Notes will 
be applied against the total purchase price, including applicable taxes and fees. 
Nordstrom Notes will be denominated in U.S. Dollars and are subject to a currency 
exchange rate when redeemed at a Nordstrom store located in Canada. The U.S. 
Dollar to Canadian Dollar exchange rate that will be applied to your Nordstrom 
Note redemption in Canada will be the previous day’s online closing rate (rounded 
to two decimal places) in the Historical Exchange Rates section of www.USForex.
com/forex-tools/historical-rate-tools. All dollar amounts referred to in these 
Rewards Terms and Conditions are in U.S. Dollars.

How can you redeem other Program benefits?

Once you reach the level of qualifying dollars in Net Purchases at Nordstrom to 
move to the next Rewards Level, we will send you a notice that you have reached 
Nordstrom Rewards Levels 2, 3, or 4, as the case may be. At that time, we will also 
send you information about the benefits associated with your Rewards Level and 
how to redeem those benefits.

From time to time, we may also send you information about additional benefits. 
Some benefits may have restrictions associated with them, may require you to 
purchase the benefit, may have limited availability, or may be subject to other 
restrictions. We will explain any restrictions that apply together with information 
about the benefit.

What is the Nordstrom alterations benefit?

To be eligible for a Nordstrom alterations benefit, you must purchase the item 
being altered at Nordstrom using your Nordstrom card. You must also pay for the 
alteration fee with your Nordstrom Card and you must purchase the alteration 
service at a Nordstrom or Nordstrom Rack store located in the U.S. The alterations 
benefit is not available for Nordstrom purchases made in Canada or Nordstrom 
international online orders. Not all Nordstrom full-line or Nordstrom Rack stores 
offer alterations services. Purchases made at HauteLook are not eligible for the 
alterations benefit.

The alterations benefit has a maximum value associated with it for cardholders 
of Levels 1, 2, and 3 of the Program. When you are a Level 1, 2, or 3 cardholder, 
you are eligible to receive a Nordstrom Note for the lesser of the amount of the 
eligible alteration service or the remaining maximum amount of the alteration 
benefit tied to your respective level of the Program. Please note, the alterations 
benefit is not cumulative as you progress through the levels of the Program. This 
means, for example, if you are at a level where the maximum alterations benefit 
is $100 and you have used $100, when you progress to a level that provides for a 
maximum benefit of $300, you will have $200 in alteration services left to use. We 
will calculate the amount of eligible alterations monthly and Nordstrom Notes will 
be automatically issued to you a short time after that. 

Level 4 cardholders will receive a refund equal to the alteration amount at 
the time of your purchase or you will receive a credit on the Nordstrom  
Card billing statement or your deposit account statement that includes the 
alteration purchase.

When are Rewards points and/or benefits forfeited?

You will forfeit all accumulated and unused Rewards points, as well as access to 
all of the benefits associated with Levels 1, 2, 3, and 4 of the Program, if you fail to 
pay two or more consecutive monthly payments due on your Nordstrom Card or if 
your Nordstrom Card is closed and you are unable to make purchases using your 
Nordstrom Card.

When do Rewards points and/or benefits expire?

Rewards points received but not yet used to issue a Nordstrom Note to you will 
expire on the earlier of three (3) years from the last day of the year in which the 
points were received, or when your Nordstrom Card is closed. Nordstrom Notes 
expire one year after issue, and other Program benefits not used expire at the  
end of the current calendar year.

Personal Triple Points Days and Bonus Points Events

The Personal Triple Points Day benefit allows you to select a day to receive triple  
points on all Net Purchases at Nordstrom using your Nordstrom Card. As you 
progress to different Rewards Levels, you are only entitled to the number of 
Personal Triple Points Days for the new Level and not the cumulative total of 
Personal Triple Points Days of the previous Level and the new Level. This means, 
for example, if your Personal Triple Points benefit is one (1) day, and you progress 
to a level that provides for three (3) days, and you‘ve already used one (1) day, you 

will have two (2) days left. Periodically we may offer you opportunities to receive 
bonus points on your Nordstrom purchases. You cannot combine a Personal Triple 
Points Day with a bonus points event. This means if you schedule your Personal 
Triple Points Day during a bonus points event, you will receive the amount of the 
bonus points in lieu of the triple points. Personal Triple Points and bonus points 
do not apply to Last Chance purchases. Bonus points are capped at 10 points 
per net dollar. Christian Louboutin purchases at our Aventura, Michigan Avenue 
and Vancouver, B.C. stores, and purchases of Louis Vuitton and Hermès at any 
Nordstrom store location, will receive double points in lieu of triple or any other 
bonus points multiplier. 

Extraordinary Experiences [Level 3 and Level 4 cardholders only]

The purchase price of any Extraordinary Experience is exclusive of taxes and fees; 
additional surcharges and handling fees may apply to individual components of 
each Extraordinary Experience. Unless otherwise stated, packages do not include 
airfare, lodging accommodations, transportation, or parking. All incidentals 
incurred during the Extraordinary Experience are the responsibility of the guest. 
A detailed itinerary will be provided to Nordstrom cardholders who purchase 
an Extraordinary Experience. Once any tickets that are part of an Extraordinary 
Experience have been issued to a cardholder, we are not responsible for the 
theft, loss, delay, destruction, or misplacement of any tickets mailed, delivered 
by courier or other express delivery, or left at will-call, hotel front desks, and 
concierge desks. Unless otherwise stated, Extraordinary Experiences must be 
canceled no later than thirty (30) days prior to scheduled arrival date in order 
to receive a full refund, with the exception of theater tickets, which are non-
refundable once booked. The costs of the Extraordinary Experience, incidentals, 
and merchandise purchased directly from the merchant using your Nordstrom 
Visa Card will receive one Rewards point for every dollar in Net Purchases made. 
Extraordinary Experiences and individual components of the Extraordinary 
Experiences are non-transferable. You must be a Nordstrom cardholder to 
purchase an Extraordinary Experience, and you must purchase and conclude 
your trip by the date specified or end of the current calendar year if no date 
restrictions are stated. A Nordstrom cardholder must be at least 21 years of 
age to purchase any Extraordinary Experience, and minors participating in an 
Extraordinary Experience must be accompanied by a parent or guardian who is 
a Nordstrom cardholder. You remain eligible to purchase the specified benefit as 
long as your Nordstrom Card remains open and you have complied with all of your 
obligations under the Nordstrom Bank Agreement.  

VIP Access to In-Store Events [Level 4 cardholders only]

Level 4 cardholders will receive VIP access to exclusive shopping experiences, 
benefits, or events at selected Nordstrom stores. Exclusive shopping experiences 
and events are not predetermined and are developed throughout the Program 
benefit year at our sole discretion. Participation in an exclusive shopping 
experience or event is not guaranteed due to limited dates, times, and locations. 
VIP access to an exclusive shopping experience or event may have other 
limitations and/or be subject to other restrictions. Complete details for exclusive 
shopping experiences and events will be sent to eligible Nordstrom cardholders 
prior to the experience or event in an invitation or other communication. 
VIP Access has no cash value and is non-transferable. You remain eligible to 
participate in this benefit as long as your Nordstrom Card remains open and you 
have complied with all of your obligations under the Nordstrom Bank Agreement. 
If your Nordstrom Card is closed or you have not complied with your obligations 
under the Nordstrom Bank Agreement as of the day of an experience or event, 
your VIP Access will be canceled.

Arbitration

Please read this arbitration provision carefully. Unless you send us the 
rejection notice described in this document, this provision will apply to you 
and, as a result, either one of us can elect to subject any Rewards Dispute 
between us to individual arbitration. This means that: (1) a court or jury will 
not resolve the Rewards Dispute; (2) you will not be able to participate in a 

class action or similar proceeding to resolve the Rewards Dispute; and (3) 
your appeal rights during and after arbitration will be limited. 

As used in this arbitration provision, a “Rewards Dispute” means any claim or 
controversy between us that in any way arises from or relates to the Program, 
including, but not limited to, these Nordstrom Rewards Terms and Conditions, 
the issuance or redemption of Nordstrom Notes, Nordstrom Rewards points, 
other services, and events access. Rewards Dispute has the broadest possible 
meaning, and includes, without limitation, disputes based upon contract, tort, 
consumer rights, fraud and other intentional torts, agency, statute or constitution, 
regulation, ordinance, common law and equity (including any claim for injunctive 
or declaratory relief). Rewards Dispute includes claims, counterclaims, cross-
claims, and third-party claims, and it includes disputes in the past, present, or 
future. It also includes disputes about the validity, enforceability, or scope of this 
arbitration provision. Rewards Dispute does not include any dispute arising out of 
the Nordstrom Bank Agreement, such as the collection of any balance owing on 
your Nordstrom Card. 

If one of us elects to arbitrate a Rewards Dispute, it will be resolved by mandatory 
binding arbitration. The electing party must notify the other party in writing. To 
make an election to arbitrate, you must send a written notice to Nordstrom Bank 
at P.O. Box 13579, Scottsdale, AZ 85267; ATTN: ARBITRATION DEMAND, or we must 
send a written notice to you at the most current address we have on file for you. 
This notice can be given at any time before or after the beginning of a lawsuit by 
either party and may be included in papers filed in the lawsuit. The party seeking 
arbitration must select as the arbitration administrator either the American 
Arbitration Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019,  
adr.org, 1.800.778.7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 
10018, jamsadr.com, 1.800.352.5267. You can contact the AAA or JAMS to find  
out more information on how to commence an arbitration proceeding. 

The arbitrator(s) will be appointed in accordance with the procedures of the 
arbitration administrator, and must be a lawyer with at least 10 years of legal 
experience. The arbitration will take place in the federal judicial district where 
you reside and either one of us may elect to appear by telephone. We will pay the 
arbitration filing fee and consider requests to advance additional costs and fees 
on your behalf. If you receive a favorable award from the arbitration proceeding, 
we will reimburse you for the reasonable costs and fees of arbitration (but this 
does not include fees of attorneys, experts, or consultants, unless applicable law 
provides you a right to recover those fees). 

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A CLASS ACTION, 
REPRESENTATIVE ACTION, OR SIMILAR PROCEEDING IN COURT OR ARBITRATION. YOU 
ALSO AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US ON BEHALF OF ANY 
OTHER PERSON, AND YOU AGREE THAT NO OTHER PERSON MAY BRING A REWARDS 
DISPUTE AGAINST US ON YOUR BEHALF. YOU MAY NOT JOIN A REWARDS DISPUTE IN A 
SINGLE ARBITRATION WITH A REWARDS DISPUTE OF ANY OTHER PERSON. IF YOU TRY 
TO ASSERT ANY REWARDS DISPUTES IN A CLASS ACTION OR SIMILAR PROCEEDING, 
WE CAN REQUIRE THAT IT BE RESOLVED IN INDIVIDUAL (NON-CLASS) ARBITRATION. 
THIS PARAGRAPH IS REFERRED TO AS THE “CLASS ACTION PARAGRAPH.” 

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A PRIVATE ATTORNEY 
GENERAL ACTION IN COURT OR ARBITRATION. 

If you do not want this arbitration provision to apply, you must reject it in writing 
by mailing us a written rejection notice containing your name legibly printed, the 
last four digits of your Nordstrom Card number, a statement that you reject the 
arbitration provision, and your signature. The rejection notice must be sent by 
you to us at Nordstrom Bank, P.O. Box 13579, Scottsdale, AZ 85267. Your rejection 
notice is effective only if it meets the above requirements, is signed by you, and 
we receive it within sixty (60) calendar days after the date we first provide you 
with the Rewards Terms and Conditions containing the arbitration provision. 
Subsequent republications or delivery of the Rewards Terms and Conditions will 
not trigger another right to reject the arbitration provision. Your rejection of this 
arbitration provision will not affect any other provision of the Rewards Terms  
and Conditions. 

This arbitration provision is governed by the Federal Arbitration Act (the “FAA”).  
The arbitrator(s) must follow: (1) the FAA; (2) all other applicable substantive law 
(except when contradicted by the FAA); (3) any applicable statute of limitations; 
and (4) rules as to valid claims of privilege. Further, the arbitrator(s) shall issue a 
written decision including the reasons for the award upon either party’s request. 
The decision of the arbitrator(s) will be final and binding, except for any appeal 
right under the FAA. 

This arbitration provision will survive the termination of the Rewards Terms and 
Conditions or your relationship with us. If any part of this arbitration provision 
is found to be void or unenforceable under applicable law, all other parts of this 
arbitration provision and of the Rewards Terms and Conditions will still apply; 
except that if the Class Action Paragraph is found to be void or unenforceable in 
any way, this entire arbitration provision shall be deemed void and shall not apply, 
but all other parts of the Rewards Terms and Conditions will still apply. 

CUSTOMER SERVICE 

For questions or assistance, just give Nordstrom Bank 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 10/16

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