DSNB170TC0614 
(PL068-069) 

DEPARTMENT STORES NATIONAL BANK CREDIT CARD DISCLOSURES 

Store Accounts 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

How to Avoid Paying 
Interest 

24.50%* for Revolving, Major Purchase and Special Event 
Accounts. 
This APR will vary with the market based on the Prime Rate. 
0% for Club Accounts 
For Revolving Account purchases, your due date is at least 25 days 
after the close of each billing cycle. We will not charge you interest on 
those purchases if you pay the Revolving Account balance in full by the 
due date each billing cycle. 

For Major Purchase Account purchases, your due date is at least 25 
days after the close of each billing cycle. 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 cycle. 

Minimum Interest Charge 

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

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

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

Fees 

Penalty Fees 
(cid:71)(cid:1)(cid:33)(cid:45)(cid:64)(cid:49)(cid:1)(cid:37)(cid:45)(cid:69)(cid:57)(cid:49)(cid:58)(cid:64) 
(cid:71)(cid:1)(cid:38)(cid:49)(cid:64)(cid:65)(cid:62)(cid:58)(cid:49)(cid:48)(cid:1)(cid:37)(cid:45)(cid:69)(cid:57)(cid:49)(cid:58)(cid:64) 

Up to $35 
Up to $35 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new 
Purchases).”  See your Credit Card Agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Credit Card Agreement. 

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

*The purchase APR is equal to the Prime Rate plus a margin of 21.25%. 

 
 
 
 
 
 
 
DEPARTMENT STORES NATIONAL BANK CREDIT CARD AGREEMENT 
This Credit Card Agreement ("Agreement") governs your open-end credit plan ("Credit Plan") which 
includes the following accounts to the extent you or a joint cardholder apply and are approved: the 
Revolving Account, the Major Purchase Account, the Club Account and the Special Event Account   
(each an "Account"). In this Department Stores National Bank ("DSNB") Credit Card Agreement, the 
words "you" and "your" mean any person who has requested and is issued a DSNB Credit Card ("credit 
card") and any other person responsible for complying with 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.  
1. Use of Your Card and Store Accounts: Your Card and each Store Account subject to the terms of 
this Agreement may only be used to purchase goods and services for personal, family and household 
use.  
2. Promise to Pay: In return for extending credit to you on one or more Accounts that are subject to the 
terms of this Agreement from time to time, you promise to pay us for all purchases that you make on any 
Account at retailers authorized to accept our credit card. You also promise to pay us for all other charges 
mentioned below, in accordance with the terms of this Agreement. 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 ("payment"). We also reserve the right to accept payments made in foreign currency 
and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency conversion 
rate. We will then credit your Account in U.S. dollars. 
3. Billing Statement: We will send you a monthly billing statement ("Statement") after each billing cycle 
at the end of which you have a debit or credit balance of more than $1.00. Purchases made on your 
Revolving Account, Major Purchase Account, Club Account and Special Event Account will appear on 
one Statement. Your payment is due at the address shown on your Statement on or before the Payment 
Due Date shown on that Statement. 
4. Types of Store Accounts: The types of Store Accounts that are subject to the terms of this 
Agreement are the Revolving Account, Major Purchase Account, Club Account and Special Event 
Account (each a "Store Account"). You may make a purchase on your Revolving Account for any 
merchandise or service offered by retailers authorized to accept our credit card without any minimum 
purchase requirements. You may make a qualifying purchase on a Major Purchase Account, Club 
Account or Special Event Account as permitted by us, subject to minimum purchase requirements. Your 
desire to charge purchases to a Major Purchase Account, Club Account or Special Event Account must 
be indicated at the time of purchase. Purchases made on a Major Purchase Account, Club Account or 
Special Event Account will be reflected on your sales receipt.  
5. How to Avoid Paying Interest on the Revolving and Major Purchase Account: If you make 
purchases during a billing cycle when there is no Previous Balance on the Statement or the sum of 
payments and credits (excluding credits for returns of purchases made during the billing cycle) is at least 
equal to the Previous Balance (these purchases are “New Purchases”), no Interest Charges are added to 
these Store Accounts for that billing cycle for the New Purchases.  If you pay the New Balance for that 
billing cycle by the Payment Due Date, you can avoid Interest Charges for the New Purchases during the 
next billing cycle. If you pay less than the New Balance for that billing cycle, you can avoid Interest 
Charges on that portion of that Store Account balance paid but we will assess Interest Charges on any 
unpaid portion until you pay the full balance you owe on that Store Account. If you make a purchase 
during a billing cycle 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 Store Account.   
The allocation of payments and credits may affect how you may avoid Interest Charges.  Payments and 
credits are applied to each Store Account 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.   
6. Interest Charge – Balance Computation Method:  An Interest Charge will be imposed on each 
balance within each Store Account that is subject to Interest Charges by applying a Daily Periodic Rate, 
multiplied by the number of days in the billing cycle, to the Average Daily Balance for purchases 
(including new transactions) for that Store Account, 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 Store Account, we take the beginning balance of each Store Account 
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 cycle and divide the total by the number of days in the billing cycle. This 
gives us the Balance Subject to Interest Rate. (This results in daily compounding of Interest Charges.) 
7. Cost of Credit - The cost of credit is determined as follows: 
A. the Daily Periodic Rate applicable to purchases for the billing cycle is 1/365th of the Annual 
Percentage Rate (regardless of leap years) in effect for the billing cycle 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 June 1, 2014, the ANNUAL 
PERCENTAGE RATE so calculated is 24.50%, 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 cycle 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 a Store Account and in the 
Minimum Payment Due.  
B. There will be a Minimum INTEREST CHARGE of $2.00 in any billing cycle in which the INTEREST 
CHARGE resulting from application of the Daily Periodic Rate would be less than $2.00. 
C. The information about the cost of the card is accurate as of June 1, 2014. This information may have 
changed after this date. To find out what may have changed, write to us at P.O. Box 8051, Mason, OH 
45040.  
8. Minimum Payment: 
A. Minimum Payment Due:  Each month, for each Store Account 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 Store Account is calculated as follows: 

1. Revolving Account:  The greater of $25.00 or 3.25% of the New Balance on your Statement for 
the Revolving Account, rounded up to the next whole dollar amount, or the entire New Balance for 
the Revolving Account if it is under $25.00. 

2. Major Purchase Account:  The greater of $25.00 or 3.25% of the New Balance on your 

Statement for the Major Purchase Account, rounded up to the next whole dollar amount, or the 
entire New Balance for the Major Purchase Account if it is under $25.00. 

3. Club Account:  The greater of $25.00 or 1/12 of the highest New Balance for the Club Account 
since it last had a $0 balance, rounded up to the next whole dollar amount, or the entire New 
Balance for the Club Account if it is under $25.00. 

4. Special Event Account:  The greater of $25.00 or 3.25% of the New Balance for the Special 

Event Account on your Statement, rounded up to the next whole dollar amount, or the entire New 
Balance for the Special Event Account if it is under $25.00. 

B. Level Payments: Since the Minimum Payment for a Club Account is based on the highest New 
Balance for the Club Account until the balance is paid in full, the Minimum Payment for a Club Account 
will not decrease as the New Balance for the Club Account decreases, even if you pay more than the 
Minimum Payment required for the Club Account. Your Minimum Payment will increase, however, if a 
new purchase increases the New Balance in the Club Account above a previous high.  
9. Additional Payment Information: 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 equal to or 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 for all Accounts to be due. Returns and credits are not applied toward your Minimum Payment 
Due. 

10. Promotions: 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 this Agreement, in accordance with law.  They may include the Special Event 
Account and Club Account offers described below.  Your promotional terms will end when the promotional 
period expires. (a) Special Event Account: No Interest Charges will be imposed on the Special Event 
Account balance if you pay the balance in full by the end of the promotional period for that Special Event 
Account balance.  We will impose Interest Charges on the Special Event Account balance from the date 
of purchase if you do not pay the balance in full by the end of the promotional period. If you have not paid 
a Special Event Account balance in full by the end of the promotional period, any remaining balance, 
including any Interest Charges for that balance, will be transferred to the Major Purchase Account and 
subject to the terms for the Major Purchase Account. The promotional offer will specify any minimum 
purchase amount. (b) Club Account: No Interest Charges will be assessed on your Club Account balance 
during the promotional period. The promotional offer will specify any minimum purchase amount.  
11. Late Payment Fee:  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.   
12. Returned Payment: 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. 
13. Document Production Fee: 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. 
14. Default/Collection Costs: 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 any or all Accounts due and 
payable. If an Account is referred to an attorney who is not our salaried employee and we prevail in a suit 
against you to collect the amount you owe, in addition to the full amount owed and any court costs, you 
agree to pay our reasonable attorney’s fees, to the extent permitted by law. No attorney’s fees will be 
imposed in any state, or in any amount, unless permitted by law. To the extent permitted by law, after we 
declare the entire unpaid balance due, we may continue to impose Interest Charges under the terms set 
forth in this Agreement each month until we obtain a court judgment for the amount you owe. 
15. Credit Limit: You agree not to go over the credit limit individually assigned to each Store Account. 
We may refuse to authorize any transaction on a Store 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 Store Accounts.  We can increase or decrease your credit limit at any time 
without giving you notice in advance unless required by law.  
16. Change In Terms/Change In Address: 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 applicable law. When required by applicable 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.  
17. Lost or Stolen Cards or Account Numbers: 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.   
18. Closing an Account: You may close an Account subject to the terms of this Agreement by notifying 
us in writing or over the phone. If you close your Revolving, Major Purchase, Club or Special Event 
Account, we will close all of your other Accounts.  If you close an Account, you must still repay the total 
balance in accordance with this Agreement. We may also close any of your Accounts 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.  
19. Credit Investigation: 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 one 
or more Accounts and later in connection with an update, renewal, extension of credit, or in connection 
with the collection of one or more Accounts. 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. 
20. Disputed Accuracy of Credit Report: We may report information about each of your Accounts to 
credit reporting agencies. Late payments, missed payments, or other defaults on an Account may appear 
on your credit report. If you request cards on your Credit Plan for others, we may report information on all 
Accounts under that Credit Plan 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. 
21. Governing Law: You understand and agree that this Agreement is entered into between you 
and us in South Dakota and any credit we extend to you is extended from South Dakota. You 
further understand and agree that this Agreement is governed only by applicable federal law and 
the law of the State of South Dakota, whether or not you live in South Dakota and whether or not 
you use your credit card in South Dakota. 
22. Identifying Information: 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. 
23. Assignment: We may assign the Credit Plan that is subject to the terms of this Agreement and any of 
our rights under this Agreement to our affiliates or some other financial institution or company without 
prior notice to you. Following such assignment, that entity will take our place in this Agreement. 
24. Acceptance of this Agreement: The use of this Credit Plan by you or anyone you authorize means 
that you accept this Agreement and agree to be bound by its terms. 
25. Disputed Amounts: 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. 
26. Telephone Monitoring: We treat every customer call confidentially. To ensure that you receive 
accurate and courteous customer service, on occasion, your call may be monitored and/or recorded.  
27. No Waiver by Us: We reserve the right, at any time and in our sole discretion, not to impose part or 
all of any fee or other amount imposed pursuant to this Agreement or not to exercise any right as set forth 
in this Agreement and in doing we will not waive our right to impose any such fee or exercise any such 
right in the future. Without limiting the foregoing, we may, at our option:  (a) accept late or partial 
payments or checks or money orders whether or not marked as payment in full or tendered with other 
conditions or limitations, (b) agree to extend the due date of any payment due under this Agreement for 
any length of time and/or  (c) release any other person responsible under this Agreement, without 
notifying you and without releasing you from your obligation to pay all amounts owing under this 
Agreement in full, or to otherwise perform the terms and conditions of this Agreement. 

Your Billing Rights:  Keep This Document For Future Use 
This notice tells you 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 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: 

(cid:71)(cid:1)Account information: Your name and account number. 
(cid:71)(cid:1)Dollar amount:  The dollar amount of the suspected error. 
(cid:71)(cid:1)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: 

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(cid:71)(cid:1)(cid:24)(cid:64)(cid:1)(cid:56)(cid:49)(cid:45)(cid:63)(cid:64)(cid:1)(cid:15)(cid:1)(cid:46)(cid:65)(cid:63)(cid:53)(cid:58)(cid:49)(cid:63)(cid:63)(cid:1)(cid:48)(cid:45)(cid:69)(cid:63)(cid:1)(cid:46)(cid:49)(cid:50)(cid:59)(cid:62)(cid:49)(cid:1)(cid:45)(cid:58)(cid:1)(cid:45)(cid:65)(cid:64)(cid:59)(cid:57)(cid:45)(cid:64)(cid:49)(cid:48)(cid:1)(cid:60)(cid:45)(cid:69)(cid:57)(cid:49)(cid:58)(cid:64)(cid:1)(cid:53)(cid:63)(cid:1)(cid:63)(cid:47)(cid:52)(cid:49)(cid:48)(cid:65)(cid:56)(cid:49)(cid:48)(cid:8)(cid:1)(cid:53)(cid:50)(cid:1)(cid:69)(cid:59)(cid:65)(cid:1)(cid:67)(cid:45)(cid:58)(cid:64)(cid:1)(cid:64)(cid:59)(cid:1)(cid:63)(cid:64)(cid:59)(cid:60)(cid:1)(cid:60)(cid:45)(cid:69)(cid:57)(cid:49)(cid:58)(cid:64)(cid:1)(cid:59)(cid:58)(cid:1)

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: 

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(cid:71)(cid:1)(cid:40)(cid:52)(cid:49)(cid:1)(cid:47)(cid:52)(cid:45)(cid:62)(cid:51)(cid:49)(cid:1)(cid:53)(cid:58)(cid:1)(cid:61)(cid:65)(cid:49)(cid:63)(cid:64)(cid:53)(cid:59)(cid:58) may remain on your statement, and we may continue to charge you interest 

on that amount. 

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balance. 

(cid:71)(cid:1)(cid:43)(cid:49)(cid:1)(cid:47)(cid:45)(cid:58)(cid:1)(cid:45)(cid:60)(cid:60)(cid:56)(cid:69)(cid:1)(cid:45)(cid:58)(cid:69)(cid:1)(cid:65)(cid:58)(cid:60)(cid:45)(cid:53)(cid:48)(cid:1)(cid:45)(cid:57)(cid:59)(cid:65)(cid:58)(cid:64)(cid:1)(cid:45)(cid:51)(cid:45)(cid:53)(cid:58)(cid:63)(cid:64)(cid:1)(cid:69)(cid:59)(cid:65)(cid:62)(cid:1)(cid:47)(cid:62)(cid:49)(cid:48)(cid:53)(cid:64)(cid:1)(cid:56)(cid:53)(cid:57)it. 
After we finish our investigation, one of two things will happen: 

(cid:71)(cid:1)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. 

(cid:71)(cid:1)If we do not believe there was a mistake:  You will have to pay the amount in question, along with 
applicable interest and fees.  We will send you a statement of the amount you owe and the date 
payment is due.  We may then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
us that you still refuse to pay.  If you do so, we cannot report you as delinquent without also reporting that 
you are questioning your bill.  We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question 
even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. 
To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing 

address, and the purchase price must have been more than $50.  (Note:  Neither of these 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. 

Notice to Wisconsin Residents: You must promptly provide your spouse’s name and address to us by 
calling 1-800-243-6552.