Credit Cards 

CREDIT CARD 
APR, Fee, and Other Important Information p. 1 
Nordstrom Credit Card Agreement p. 2–11

REWARDS INFORMATION
Nordstrom Rewards Terms and Conditions p. 12-18

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 

APR for 
Non-Nordstrom Purchases

 Tier I

 Tier II                      Tier III                      Tier IV

11.15%          15.15%         19.15%         23.15%

Your APR will be assigned 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.

 Tier I

 Tier II                       Tier III
 15.15%          19.15%         23.15%        23.15%

 Tier IV

Your APR will be assigned 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 reverse of the card 
carrier letter you will receive with your credit card.

APR for Cash Advances

27.15%
This APR will vary with the market based on the Prime Rate.

Interest Rates and Interest Charges

Annual Percentage Rate

(APR) for

Nordstrom Purchases

APR for

Non-Nordstrom Purchases

Tier I                        Tier II                      Tier III                      Tier IV

11.15%

15.15%

19.15%

23.15%

Your APR will be assigned 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.

Tier I                         Tier II                       Tier III                     Tier IV

15.15%

19.15%

23.15% 23.15%

Your APR will be assigned 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 reverse of the card

carrier letter you will receive with your credit card.

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 $37 
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 and the enclosed Credit Card Agreement are accurate as of March 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: Nordstrom, P.O. Box 6555, Englewood, CO 80155-6555.

When you submit a credit card application, you are applying for both the Visa card and Nordstrom card. If you are approved for the Visa, you can select the card you want; 
otherwise, upon approval you will receive the Nordstrom card.

Please turn the page for the Nordstrom Credit Card Agreement.

05/16

NORDSTROM CREDIT CARD AGREEMENT
In this Nordstrom Credit Card Agreement (“Agreement”) “we,” “us,” 
“our,” and “TD Bank” mean TD Bank USA, N.A., a national bank with its 
main office located in Delaware, and its successors and assignees. The 
terms “I,” “my,” “me,” “you,” and “your” mean each person who 
has signed or otherwise submitted an application or other forms when 
opening or requesting a Nordstrom credit card account (a “Nordstrom 
account,” or “Visa Signature,” or collectively, the “Credit Card Account”) 
and each person who is liable to pay for amounts owed under the Credit 
Card Account. By applying for and using a Nordstrom Credit Card, you 
acknowledge and agree that you are providing, and you direct the  
recipient to provide, information from your application (and updates you 
provide to this information) to both TD Bank for its credit card banking 
purposes, and to Nordstrom, Inc. (“Nordstrom”) for its retail purposes. 
Please keep in mind that TD Bank shares information about you to 
Nordstrom and its affiliates for use in connection with the Nordstrom 
Credit Card program and as otherwise permitted by law. Please see the 
enclosed Nordstrom Credit Card Privacy Notice for more information. 

We have engaged Nordstrom as our service provider for the Nordstrom 
Credit Card program and your Credit Card Account. When you call or write 
to us, you will be contacting Nordstrom for Credit Card Account servicing. 

Part I of this Agreement sets forth the terms and conditions applicable 
to all Credit Card Accounts. Part II of this Agreement provides consumer 
disclosure statements addressing Credit Card Accounts Billing  
Rights Summary. 

PART I — CREDIT CARD ACCOUNTS TERMS AND CONDITIONS 

1. ACCEPTANCE OF AGREEMENT. This Agreement governs the use of my 
Nordstrom Credit Card Account. I have read and kept this Agreement for 
my records. The application I signed or otherwise submitted (including the 
accompanying federal and state notices) and the card carrier sent with my 
Credit Card Account are part of and are incorporated into this Agreement. 
My signature on the application I submitted requesting a credit card 
represents my signature on this Agreement and each use of the Credit Card 
Account confirms my agreement to the terms and conditions stated in this 
Agreement, as they may be amended from time to time. This Agreement 
begins on the earlier of the date that my application is approved, or the 
date that I am allowed to use my Credit Card Account, as evidenced by a 
signed sales slip, memorandum, or otherwise. If my application is approved 
and I am issued a credit card, I agree to pay all amounts owed under  
this Agreement. 

2. CHANGE IN TERMS. Subject to the governing law (provision described 
below in Part I, paragraph 8 of this Agreement), (a) TD Bank has the right 
to change any term of this Agreement at any time, including, without 
limitation, any Annual Percentage Rate, any other rates and fees, and may 
add or delete fees and other provisions relating to my Credit Card Account, 
and to the nature, extent and enforcement of the rights and obligations I 
may have under this Agreement; and (b) the change may be applied to any 
amount owed in connection with my Credit Card Account at the time of the 
change. Subject to applicable law, I will be given written notice before the 
effective date of any such change. 

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 20 and 21 of Part I, below) incurred by me 
or anyone I authorize or permit to use my Credit Card Account or credit card, 
even if I do not notify TD Bank that others are using my Credit Card Account or 
credit card. All checks must be drawn on funds on deposit in the United States. 
If my Credit Card Account is a joint account, all cardholders agree to be liable 
individually for the entire amount owed on the Credit Card Account. We can 
accept late payments or partial payments or checks and money orders marked 
“payment in full” without losing our right to receive the full amount owing on 
your Credit Card Account or any of our other rights under this Agreement. I 
understand that I may pay the unpaid balance in whole, or in part, at any time. 
I agree to address all communications concerning disputed debts, including 
instruments tendered as full satisfaction of debt, to the following address: 
Nordstrom, P.O. Box 13589, Scottsdale, AZ 85267.  

4. AUTHORIZED USERS. I understand and agree that if I authorize or permit 
other persons to use my Credit Card Account, TD Bank will be unable to 
determine whether any particular purchase charged to my Credit Card Account 
by an authorized user was in fact authorized by me or made for my benefit, and 
I specifically agree that I will pay for all purchases charged to my Credit Card 
Account by an authorized user, whether or not such purchases were specifically 
authorized by me or made for my benefit. If I want to cancel the authorized 
or permitted use of my Credit Card Account by another person, I must call 
1.800.964.1800, or provide written notification to Nordstrom at P.O. Box 6555, 
Englewood, CO 80155, and recover and destroy any such credit card in such 
person’s possession.  

5. LOST OR STOLEN CARDS. If any credit card is lost or stolen, or if I think that 
someone is using my Credit Card Account or credit card without my permission,  
I will immediately call 1.800.964.1800, or provide written notification to 
Nordstrom at P.O. Box 6555, Englewood, CO 80155. 

6. MISREPRESENTATION. In the event that any information given to TD Bank 
in connection with my application or any future transaction involving my Credit 
Card Account is false or misleading, TD Bank reserves the right to terminate this 
Agreement and take any and all legal action available under applicable law. 

7. CANCELLATION. For any reason not prohibited by applicable law and with only 
such notice as is required by law, TD Bank has the right at any time to terminate 
my Credit Card Account and this Agreement as it relates to future purchases 
or cash advances, or to limit or cancel my Credit Card Account and credit card 
privileges. I may terminate this Agreement, by providing notice in writing to 
Nordstrom at P.O. Box 6555, Englewood, CO 80155, and destroying my credit 
card(s). Termination of this Agreement, or any limitation or cancellation of my 
Credit Card Account or credit privileges, will not affect my liability with respect to 
all outstanding balances, and I will still be responsible for paying any outstanding 
balance or other amounts I owe according to the terms of this Agreement. TD 
Bank specifically reserves the right to close my current Credit Card Account 
based on the delinquency of any of my other Credit Card Accounts. 

8. GOVERNING LAW; ENFORCEABILITY. I understand that this Agreement, each 
term of this Agreement, and any amendment to this Agreement are governed by 
and construed in accordance with United States federal law and the laws of the 
state of Delaware (without regard to any Delaware conflict of law principles). For 
example, for Credit Card accounts, this Agreement is made in Delaware and credit 

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is extended to me from Delaware, so the Credit Card terms of this Agreement are 
governed by Delaware law, regardless of where I reside or where I use my account.

I agree that if a dispute arises and I file suit against TD Bank, service of process  
may be made only at TD Bank’s main office in Cherry Hill, New Jersey. If any part 
of this Agreement becomes unenforceable, it will not make any other part of this 
Agreement unenforceable.

For Maryland residents with a Credit Card Account, to the extent federal law and 
the laws of the State of Delaware do not apply, this Agreement is governed by Title 
12, Subtitle 9 of the Maryland Commercial Law Article.

9. RESERVATION OF RIGHTS. We reserve the right not to assess part or all of 
any fee or other amounts, or not to exercise any other of its rights under this 
Agreement, and, by doing so, we will not have waived our right to assess such  
fee or other amounts or exercise other rights under this Agreement in the future. 
We reserve the right to reject, or refuse to accept, payments or credits, for any 
reason, including based on the frequency or amount of the transaction, or as  
set forth in Part I, paragraph 16, below. 

10. CREDIT REPORTING; INACCURATE INFORMATION. I hereby authorize TD 
Bank at its discretion to furnish information concerning my Credit Card Account 
to consumer reporting agencies and others who may properly receive such 
information. I may provide written notification by writing to Nordstrom at P.O. Box 
6555, Englewood, CO 80155, if I believe TD Bank has information about me that is 
inaccurate, or that TD Bank has reported or may report to a consumer reporting 
agency information about me that is inaccurate. 

11. AUTHORIZATIONS. Some purchases made with my Credit Card Account 
will require prior authorization, and I may be asked to provide identification. 
If our authorization system is not working, we may not be able to authorize a 
transaction, even if your Credit Card Account has sufficient available credit. 
TD Bank will not be liable to me if any of these events happen. TD Bank is not 
responsible for the refusal of anyone to accept or honor my credit card.  

12. ASSIGNMENT. I may not sell, assign, or transfer my Credit Card Account 
without first obtaining TD Bank’s prior written consent. TD Bank may sell, assign 
or transfer my Credit Card Account and TD Bank’s rights under this Agreement 
without prior notice to me.  

13. USE OF CARD. I understand and agree that I may use my Credit Card Account 
only for personal, family and household purposes, and I may not use my Credit 
Card Account for any illegal purpose. If I am later added as a joint account holder, 
I shall have the right to use the Credit Card Account to the extent of any available 
credit limits, and each cardholder may be liable for all amounts owed under  
this Agreement. 

14. CHANGE OF RESIDENCE. If I move, I agree to promptly notify TD Bank 
of my new address by calling 1.800.964.1800, or by writing to Nordstrom at  
P.O. Box 6555, Englewood, CO 80155. 

15. TELEPHONE COMMUNICATIONS. You agree that we, and our representatives 
on our behalf, may monitor and/or record your calls for quality assurance and 
other appropriate purposes, unless, at the commencement of each telephone 
conversation, you advise the representative assisting you that you do not wish the 
call to be monitored and/or recorded. You authorize us and our representatives to 
make telephone calls to you or send you text messages at any telephone number 
you have given to us and our representatives or from which you have telephoned, 

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including, without limitation, cellular or mobile phones. You authorize us and 
our representatives to make such telephone calls and/or leave prerecorded 
messages, using automatic telephone dialing devices at any telephone number 
you have given to us and our representatives, for any purpose related to your 
Credit Card Account. 

16. MONTHLY PAYMENTS. Each month, I agree to pay at least the Minimum 
Payment Due shown on my monthly billing statement no later than the payment 
Due Date shown on the monthly billing statement. The Minimum Payment Due 
is the sum of the Current Due and any past due amount. The Current Due is 
calculated as shown under Paragraph 17, below (“MINIMUM MONTHLY PAYMENTS”), 
and may include “Fees.” I may at any time pay more than the Minimum Payment 
Due, or pay off my entire Credit Card Account balance in full without incurring 
any additional charge. All payments must be mailed or delivered to Nordstrom 
at the address shown on my monthly billing statement. Any payment received by 
Nordstrom at this address after 5:00 p.m. Mountain Standard Time (Arizona) on 
any business day will be credited to my Credit Card Account on the next business 
day. I must include my payment stub, and not send cash. If any payment does not 
conform to these requirements, the payment may not be credited to my Credit 
Card Account for up to five (5) days, or may be rejected. I understand that a credit 
may not be treated as a payment and will not satisfy the Minimum Payment Due, 
and that there may be a delay in the posting of a credit on my Credit Card Account.

17. MINIMUM MONTHLY PAYMENTS. The Current Due each month will be the 
greater of $38 or the sum of all Interest Charges and Fees imposed during the 
current billing cycle plus 1% of my New Balance, rounded to the next higher whole 
dollar amount; provided, that if the New Balance shown on my monthly billing 
statement is less than $38, the Current Due will be my New Balance.

18. SPECIAL PAYMENT OPTIONS. From time to time TD Bank may reduce my  
Annual Percentage Rate or interest charge, or allow me to take advantage of  
other options that may be made available. Details of these special programs  
will be provided to me at the time they are offered.

19. INTEREST CHARGES.

A. Balance Categories. Interest charges are calculated separately for Purchases 
and Cash Advances. “Purchases” are purchases of goods or services from a 
Nordstrom or other merchant location. “Cash Advances” are advances from an 
automated teller machine (ATM); through a convenience check, home banking,  
a financial institution, casino, hotel, or similar location; by making a wire transfer, 
balance transfer, or bill payment; by acquiring a money order, traveler’s check, 
lottery ticket, casino chip, or similar item; or other similar transactions.

Interest Charges will be calculated separately for Nordstrom and Non-Nordstrom 
Purchases. “Nordstrom Purchases” are purchases I make using my Nordstrom 
retail or Nordstrom Visa card at Nordstrom locations, including Nordstrom 
full-line stores, Nordstrom Rack stores, nordstrom.com, nordstromrack.com, 
HauteLook, and through Nordstrom catalogs. “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.

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B. When Interest Charges Begin to Accrue on Purchases. My due date is at 
least 25 days after the close of each billing cycle. In order to be eligible for a grace 
period on Purchases for the current billing cycle, I must pay my New Balance in 
full by the payment Due Date shown on that billing statement. If I do not pay the 
entire amount of the New Balance by that date, there will be an interest charge 
on each Purchase from the date the Purchase is made. For purposes of this 
paragraph 19.B, TD Bank will consider credits to my Credit Card Account resulting 
from an exchange or return of a Purchase included in my Previous Month’s New 
Balance only when determining whether I have paid the entire New Balance shown 
on my monthly billing statement by the payment Due Date.

C. When Interest Charges Begin to Accrue on Cash Advances. There is no 
“grace period” for Cash Advances. The interest charge on any Cash Advance 
begins on the date of the transaction. This paragraph 19.C only applies to Credit 
Card Accounts that have a Cash Advance feature. 

D. Daily Balance Method for Computation of the Balances Subject to  
Interest Charges. The interest charge is figured by applying the periodic rate  
(as described below in paragraph 19.E) to the “daily balance” of my account for 
each day in the billing cycle. To get the “daily balance” of a Balance Category, 
we take the beginning balance of that Balance Category each day, add any new 
transactions or charges and subtract any credits or payments (or portions 
thereof) that are applicable to that Balance Category. This gives us the daily 
balance for each Balance Category.

Each day’s interest charge on a Balance Category is added to the daily balance  
of that Balance Category to get the beginning balance for the next day and will be 
part of the Balance Category on which future interest charges are assessed until 
paid. The total interest for a billing cycle is equal to the sum of the daily interest 
for each day in the billing cycle.

Late Payment Fees and/or Return Payment Fees are prorated and allocated to the 
Balance Categories based on the balances of my Balance Categories on the day I 
incurred the Late Payment Fee or Return Payment Fees. Miscellaneous fees will be  
added to my Nordstrom Purchase Balance Category on the day I incurred the fee.

We will round daily interest charge calculations for a Balance Category to the 
nearest whole cent. If I paid in full the New Balance shown on my previous month’s 
billing statement by the specified payment Due Date, we will consider your daily 
balance of Nordstrom Purchases and Non-Nordstrom Purchases to be zero for 
each day of the current month’s billing cycle. A credit balance on a Balance 
Category is considered to be zero for purposes of calculating the balance  
subject to interest charges. 

E. Interest Charge Rates. The Daily Periodic Rate for a Balance Category is 
determined by dividing the ANNUAL PERCENTAGE RATE for the Balance Category 
by 365. The ANNUAL PERCENTAGE RATE for a Balance Category is determined by 
adding a percentage rate (called a “Margin”) to the Prime Rate for a billing cycle.

The ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) for a Balance Category 
may vary from billing cycle to billing cycle if the Prime Rate for a billing cycle 
changes. The “Prime Rate” is the highest prime rate published in the “Money 
Rates” section of The Wall Street Journal print edition on the 15th day of a month, 
or the next business day if the 15th is not a business day. The Prime Rate for a 
billing cycle is the Prime Rate most recently available as of the beginning of  
the billing cycle.

Any change in the ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) will take 
effect on the first day of the next billing cycle following a change in the Prime 
Rate and will apply to any outstanding balance on my Credit Card Account. If the 
ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) increases, the amount of the 
interest charges and the Current Due may increase.

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The ANNUAL PERCENTAGE RATES that may apply to a Balance Category are the 
“Standard ANNUAL PERCENTAGE RATES” for the Balance Category (described 
in paragraph 19.F) and the “Penalty ANNUAL PERCENTAGE RATE” (described in 
paragraph 19.H). 

F. Standard ANNUAL PERCENTAGE RATES. The Standard ANNUAL PERCENTAGE 
RATE that applies to Purchases will depend on the Tier placement of my Credit 
Card Account. TD Bank will tell me the Tier in which my Credit Card Account has 
been placed before I may use my Nordstrom Credit Card or Visa Credit Card.  
The Standard ANNUAL PERCENTAGE RATES that apply to Purchases for Credit  
Card Accounts in Tiers I through IV are described below.

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  
March 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 March 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  
March 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 March 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  
March 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 March 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 March 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 March 15, 2016, this ANNUAL PERCENTAGE RATE was 27.15% (Daily 
Periodic Rate of 0.07438%).

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 March 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. 

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20. CASH ADVANCE FEE. For each Cash Advance on my Credit Card Account 
(including advances to me directly or to someone else at my direction), TD Bank 
will assess a Cash Advance Fee in an amount equal to 5% of the amount of the 
Cash Advance or $10, whichever is greater. This paragraph 20 only applies to 
Credit Card Accounts that have a Cash Advance feature. 

21. PENALTY FEES. 

A. Late Payment Fee. My Credit Card Account will be subject to a Late Payment 
Fee of up to $37 for any late or missed Minimum Payment Due. 

B. Returned Payment Fee. If any payment on my Credit Card Account (such 
as a check, draft, or similar instrument, or any electronic fund transfer) is 
uncollectible or is dishonored for any reason, TD Bank may charge me and I  
agree to pay a Returned Payment Fee of up to $25. TD Bank may assess this 
fee the first time any one of my payment(s) is not honored or paid, even if such 
payment is later paid following resubmission. TD Bank does not have to attempt 
to collect any payment more than once. 

22. CREDIT LIMIT. I agree that TD Bank may establish credit limits and that  
my credit purchases and cash advances at any one time will not exceed my credit 
limits. I will be advised of my initial credit line at the time I receive my credit card. 
I agree that TD Bank may change my credit line from time to time based upon TD 
Bank’s evaluation of changes in my credit capacity. If I exceed my credit line, TD 
Bank has the right to refuse further purchases or advances, and to suspend or 
cancel my account under the terms of this Agreement. TD Bank will identify any 
subsequent changes to my credit line on my periodic billing statements.

23. AVAILABLE CREDIT. After a payment or credit is posted to my Credit Card 
Account, or after TD Bank learns my payment has been dishonored and attempts 
to resubmit my payment, it may take up to 21 days before my total available  
credit is restored in an amount equivalent to the payment or credit amount.  
For example, if I pay my account balance in full, it may take up to 21 days after  
my payment is made before that payment is considered in determining the 
amount I can borrow on my account.

24. APPLICATION OF PAYMENTS. Unless otherwise required by applicable law, 
TD Bank will apply payments up to the Minimum Payment Due, to amounts owing 
on my Credit Card Account in the following order: interest charges, fees, old 
cash advances, old purchases (when applicable, to Purchase Balance Categories 
with higher Standard ANNUAL PERCENTAGE RATES first), new cash advances, 
and new purchases (when applicable, to Purchase Balance Categories with 
higher Standard ANNUAL PERCENTAGE RATES first). TD Bank will apply payments 
in excess of the Minimum Payment Due to amounts owing on my Credit Card 
Account in a manner specified by federal law. 

25. DEFAULT. Subject to applicable law, TD Bank may, at its option, declare  
me to be in default if I fail to comply with any provision of this Agreement, 
including failing to make a required payment when due or exceeding my Credit 
Card Account credit limit, or if I file for bankruptcy or am otherwise insolvent, 
or if TD Bank determines, in its sole discretion, that the prospect of payment on 
my Credit Card Account has become significantly impaired. If I am in default, (a) 
unless otherwise prohibited by applicable law, TD Bank may require that I pay the 
entire balance on my account immediately, at any time, even though TD Bank did 
not require me to pay the entire balance on any previous occasion when I was 
in default, and (b) I will pay all collection costs, including reasonable attorneys’ 
fees and legal costs, if TD Bank refers my Credit Card Account for collection to an 
attorney other than a salaried employee of TD Bank or the holder of the account, 
to the extent not prohibited by applicable law. Balances in default on my Credit 

8

Card Account may be set-off against any credit balances on any of my 
other TD Bank Credit Card Account(s). 

26. CURRENCY CONVERSION RATE. If a charge or cash advance made 
outside of the U.S. is converted into U.S. Dollars, Visa will select either (1) 
a rate from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate 
Visa itself receives, or (2) a government-mandated rate in effect for the 
applicable central processing date.

STATE-SPECIFIC INFORMATION

California Residents: If you are married, you may apply for credit in your 
own name.

Florida Residents: I agree that, should TD Bank obtain a judgment 
against me, a portion of my disposable earnings may be attached or 
garnished (paid to TD Bank by my employer), as provided by Florida and 
federal law.

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 
TD Bank. Also, if I successfully assert a partial defense or counterclaim 
to an action brought by TD Bank, the court may withhold from TD Bank 
the entire amount or such portion of the attorneys’ fees as the court 
considers equitable.

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. 

New York Residents: New York residents may contact the New York 
State Department of Financial Services by telephone or visit its website 
for free information on comparative credit card rates, fees, and grace 
periods. New York State Department of Financial Services: 1.800.342.3736 
or http://www.dfs.ny.gov.

Ohio Residents: The Ohio laws against discrimination require that all 
creditors make credit equally available to all creditworthy customers and 
that credit reporting agencies maintain separate credit histories on each 
individual upon request. The Ohio Civil Rights Commission administers 
compliance with this law.

Rhode Island and Vermont Residents: A consumer credit report may be 
ordered in connection with this application, or subsequently for purposes 
of review or collection of the account, increasing the credit line on the 
account, or other legitimate purposes associated with the account. If you 
are a Vermont resident, you consent to the obtaining of such reports by 
signing or otherwise submitting a credit application. 

Wisconsin Residents: No provision of a marital property agreement, 
a unilateral statement under section 766.59 Wis. Stats, or a court 
decree under section 766.70 Wis. Stats. adversely affects the interest 
of the creditor unless the creditor, prior to the time credit is granted, is 
furnished a copy of the agreement, statement, or decree, or has actual 
knowledge of the adverse provision when the obligation to the creditor is 
incurred. Married Wisconsin residents must furnish their account number,  

9

and spouse’s name and address, to Nordstrom at P.O. Box 6555, Englewood,  
CO 80155.

PART II — 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 
P.O. Box 6555  
Englewood, CO 80155

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 

10

report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning 
your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has  
been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of 
the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount due on  
the purchase. 

To use this right, all of the following must be true:

1.  The purchase must have been made in your home state or within 100 miles 
of your current mailing address, and the purchase price must have been 
more than $50. (Note: Neither of these is necessary if your purchase was 
based on an advertisement we mailed to you, or if we own the company that 
sold you the goods or services.)

2.  You must have used your credit card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses your credit card 
account do not qualify.

3. You must not yet have fully paid for the purchases. 

If all of the criteria above are met and you are still dissatisfied with the purchase, 
contact us in writing at:

Nordstrom 
P.O. Box 6555 
Englewood, CO 80155

While we investigate, the same rules apply to the disputed amount as discussed 
above. After we finish our investigation, we will tell you our decision. At that 
point, if we think you owe an amount and you do not pay, we may report you  
as delinquent.

11

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•

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 either 
the Nordstrom Credit Card Agreement (“Credit Card Agreement”) or the  
Nordstrom Bank Debit Card Agreement; Consumer Disclosures  
(“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 a 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 

12

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 

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, and 
through Nordstrom catalogs (“Net Purchases at Nordstrom”). These locations are 
individually and together referred to, below, as “Nordstrom.” Trunk Club, Inc. and 
Just Jeffrey, Inc. (Jeffrey Boutiques) do not participate in the Program and any 
purchases made at these stores 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 Credit Card Agreement and/or Nordstrom Bank Agreement, 
as the case may be.  

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 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) where Visa credit cards are accepted. 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. 

1,3

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. 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 alterations 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.

14

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 (1) 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 any Louis Vuitton purchases 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 Program 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 Credit Card Agreement and/or Nordstrom Bank Agreement, 
as the case may be.  

15

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 Program 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 Credit Card Agreement and/or Nordstrom 
Bank Agreement, as the case may be. If your Nordstrom Card is closed or you 
have not complied with your obligations under the Credit Card Agreement and/or 
Nordstrom Bank Agreement, as the case may be 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 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 Credit Card 
Agreement or 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.

16

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.

17

CUSTOMER SERVICE

For questions or assistance, just give Nordstrom 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 05/16

C0110